4results about "Debit schemes" patented technology

The disclosed embodiments include computer-implemented apparatuses and processes that provision, in real-time, targeted recommendations based on decomposed structured messaging data. For example, an apparatus receives a message that includes elements of message data disposed within corresponding message fields. The message data may characterizes an exchange of data requested by a first counterparty from a second counterparty and associated with a first product provisioned to the second counterparty by the first counterparty. Based on elements of message data, the apparatus determines a value of a parameter that characterizes at least one of the second counterparty or a relationship between the second counterparty and the first counterparty, and transmits digital content associated with the parameter value to a device operable by the second counterparty, which presents a portion of the digital content within a digital interface.

Systems, methods, and software are disclosed for provisioning tokens in a networked computing environment including merchants participating in payment networks. The method includes receiving, by a merchant processor, card account data of a purchase card from a cardholder. The method includes determining, by the merchant processor, that the card account data includes a multi-token enabled BIN. The method includes, in response to determining that the card account data includes the multi-token enabled BIN, receiving and storing, by the merchant processor and in a memory of the merchant, respectively, a primary token associated with a front-of-card brand of the purchase card. The method includes, in response to receiving the primary token, transmitting, by the merchant processor, a request for a secondary token. The method includes receiving and storing, by the merchant processor and in the merchant memory, respectively, the secondary token simultaneously with storing the primary token.

This device provides a secure method for authenticating transactions while inside a vehicle by combining voice biometric authentication with additional means for credit card payment processing. [Solution] The biometric authentication verification device 28 receives verification data 25, which includes an audio file, vehicle information, and an acoustic watermark, provided by the vehicle's in-vehicle diagnostic system 52, and telemetry data 50, which is provided by the vehicle to the telematics server 42. These are then used to verify each other before deciding whether to authenticate the presented transaction.

To improve user convenience. [Solution] A payment server comprising: an acquisition unit that acquires first information relating to a payment, including the first payment amount of the goods or services to be purchased by the user using the electronic payment service and user identification information for identifying the user, from either or both of a user terminal device operated by the user and a terminal device of a merchant of the electronic payment service, and second information indicating that the payment of the first information has been confirmed from the merchant's terminal device; and a processing unit that, when the first information is acquired, sends an instruction to a financial institution server to move the first payment amount from the bank account of the user identification information to a temporary receiving account for temporary receipt, thereby moving the first payment amount to the temporary receiving account, and when the second information is acquired, sends an instruction to a financial institution server to move the first payment amount from the temporary receiving account to the bank account of the electronic payment service, thereby moving the first payment amount to the bank account of the electronic payment service.