73results about "Debit schemes" patented technology

The invention discloses a cross-transaction system accounting function separation method based on a rule engine, and belongs to the technical field of financial accounting, in the method, the accounting function of a traditional transaction system is decoupled through the rule engine, and the agility and compliance capability of financial transaction processing are effectively improved. A core accounting rule is abstracted as an independent execution unit, so that a bottom layer system does not need to be reconstructed in business operations such as rate adjustment and account division strategy change, and the new rule online period is compressed from a week level to an hour level. The multi-level rule architecture supports a mixed processing mode of real-time transaction and batch correction, can meet millisecond-level liquidation requirements in a cross-border payment scene, can automatically adapt to dynamic compliance strategies of different supervision jurisdictions, and realizes parallel computing and accurate matching of global regional transaction rules. The continuity of key transactions is guaranteed by a geo-fence routing and intelligent traffic segmentation mechanism.

Systems and methods for conducting transactions using hybrid credit / charge financial instruments are disclosed. A method may include a transaction processing computer program: establishing a hybrid account comprising a pay-in-full portion and a revolving balance portion, the pay-in-full portion having a pay-in-full portion limit, and the revolving balance portion having a revolving balance portion limit; receiving a transaction for a transaction amount involving the hybrid account from a point of transaction device; applying rule(s) to the transaction to identify a pay-in-full amount of the transaction amount for the pay-in-full portion and / or a revolving balance amount of the transaction amount for the revolving balance portion; debiting the pay-in-full portion for pay-in-full amount and / or the revolving balance portion for the revolving balance amount; monitoring the pay-in-full portion and the revolving balance portion for balances and payments; and adjusting the pay-in-full portion limit and / or the revolving balance portion limit based on the monitoring.

The disclosed embodiments include computer-implemented systems and processes that provision, in real-time, targeted digital content associated with an initiated data exchange based on structured messaging data. For example, an apparatus may receive a message associated with a real-time payment requested from a first counterparty by a second counterparty. The message may include elements of message data disposed within corresponding message fields, and based on at least the elements of message data, the apparatus may generate product data characterizing a product available to the first counterparty and transmit first notification data including digital content associated with the available product and with the data exchange to a first device operable by the first counterparty. Based on response data generated by the first device, the apparatus may perform operations that provision the available product to the first counterparty in accordance with the product data.

A payroll service can receive, from an employee's device, a request for early payment of earned wages for work performed for an employer. The payroll service can determine that the employee is eligible for the early payment of payroll funds. The payroll service facilitates transfer of a portion of the earned wages from a financial account of the payroll service to a financial account of the employee. The employer can then provide the payroll service payroll funds for a current pay period, and based on receiving the payroll funds, another portion of the earned wages is paid by the payroll service to the employee.

Disclosed are systems, methods, and techniques for purchasing and activating a decoupled gift card. A system can include: a first gift card component of a first type having a first identifier, a second gift card component of a second type separate from the first component and having a second identifier, the second component being configured to attach to the first component to form a decoupled gift card purchasable during a checkout process, a point of sale (POS) terminal that scans the first and second identifiers during checkout, and a remote computer system that can activate the decoupled gift card while the checkout process is performed. The remote system can receive the scanned identifiers, identify a gift card number corresponding to the first scanned identifier, identify an access token corresponding to the second scanned identifier, and associate the gift card number with the access token to activate the decoupled gift card.

Systems and methods are disclosed for providing a payment authorization to a real-time payment (RTP) network to initiate an RTP between a customer financial institution account and a merchant financial institution account. One method performed by a payment facilitator device includes, based on a user device of a customer and a point-of-sale (POS) device of a merchant performing a direct communication regarding a transaction, receiving a payment request for a transaction amount of the transaction and receiving a customer authorization for the transaction. The payment facilitator then provides a payment authorization to an RTP network to initiate an RTP for the transaction amount of the transaction from a customer financial institution account to a merchant financial institution account, based on receiving the customer authorization for the transaction.

The invention discloses a software interaction system and method for promoting virtual-real fusion landing of meta universe, and belongs to the technical field of virtual-real interaction. The method is realized by pure software, and supports two modes of exchanging virtual assets for entity commodities and automatically returning the virtual assets after the entity commodities are purchased. The system accesses a digital platform through a standardized interface to complete asset verification, cancel-after-verification and voucher generation, supports delivery modes such as logistics distribution, store cancel-after-verification and offline self-pick-up, can automatically return virtual assets when purchasing entity commodities, and does not need a user to upload a voucher. The method breaks through the interaction barrier between the digital world and the physical world, is suitable for platforms such as games, movies and televisions, music and cartoons, realizes virtual-real two-way automatic intercommunication, and has high practicability and commercial value.

Systems, methods and devices for enabling remote players to participate in live games alongside in-person participants. A proxy device can be positioned at a gaming location where a live in-person game is taking place. The proxy device communicates with a user device of a corresponding user. The user receives feedback data from the proxy device relating to the game. The user controls the operation of the proxy device through their user device. The proxy device thus participates in the live game on behalf of the user. This can allow a user to enjoy the entire gaming experience of participating in a live game alongside other participants and / or venue employees even while they are not actually present at the game location.

Computing devices and methods for facilitating electronic wallet payments using near field communication (NFC). In an example, the method includes receiving transaction information corresponding to a transaction and an identification of an electronic wallet payment application of an electronic wallet payment server from a point of sale (POS) terminal; sending the transaction information and the identifier of the electronic wallet payment application program to a server; establishing a uniform resource locator (URL) that addresses the server and identifies a first network resource that activates the electronic wallet payment application; generating, via a near field communication (NFC) tag controller, an NFC data exchange format (NDEF) message including the URL as a payload; and transmitting, via the NFC tag controller, an NFC signal corresponding to the NDEF message.

A secure transaction system and method is disclosed which uses a central service entity and central settlement entity to perform a payment transaction between a customer of a sending participant entity and a customer of a receiving participant entity. The central settlement entity is configured to create an earmark to secure and control the intended payment funds of the sending participant entity and to transfer the payment funds after the receiving participant entity confirms funds have been successfully credited to its customer.

The present invention pertains to an electronic money settlement method that is realized by an electronic money business operator system that provides an electronic money service. The method includes: managing, in an associated manner for each user who uses an electronic money service, an electronic money account of the user and a deposit account of the user; virtually setting the balance of the electronic money account so as to be synchronized with the balance of the deposit account; and making a request to a financial institution system for a remittance process such that an amount for settlement is, in response to the settlement using the electronic money, directly remitted from the deposit account associated with the electronic money account to a deposit account, at a financial institution, of a money recipient who is to receive the amount through the settlement.

The present disclosure relates to systems, non-transitory computer-readable media, and methods for generating and utilizing movement identifiers to identify transactions in a secured deposit network transaction chain. In particular, in one or more embodiments, the disclosed systems initiate a network transaction as a secured deposit network transaction chain comprising a first intermediate transaction from a secured deposit account to a debit account and a second intermediate transaction from the debit account to an additional account. Moreover, the disclosed systems intelligently display the network transaction in a user interface by displaying the network transaction as a transaction from the secured deposit account to the additional account.

Systems, methods, and devices for enabling a remote player to participate in a live game with a live player. The proxy device may be placed at a gaming site where the live game is being played. The proxy device communicates with a user device of a respective user. A user receives feedback data related to a game from a proxy device. And the user controls the operation of the proxy equipment through the user equipment. Thus, the proxy device participates in the live game on behalf of the user. This may allow the user to enjoy a complete game experience that participates in the live game with other participants and / or venue staffs, even if they are not physically at the game venue.

A method, a system, and a computer program product for using contactless cards and mobile applications for selecting and using methods of payment for transactions. An identifier associated with a transaction is received. The transaction is configured to be executed using at least one computing device. One or more virtual identifiers are generated using the received identifier. At least one virtual identifier is selected and assigned to the transaction. Execution of the transaction is triggered by the computing device using the assigned virtual identifier.

A system, method, and computer program product are provided for multi-account access based on a single authentication information. An exemplary system includes at least one processor configured to receive an authentication request message associated with a transaction having a first account identifier. It is determined whether the transaction and / or the first account identifier is eligible for dynamic processing. At least one processing option available for dynamic processing of the transaction is identified. A modified authentication request message is sent to an issuing system indicating one or more processing options. An authentication response message is received from the issuing system having an authentication indicator and a funds source identifier corresponding to the selected processing option. The modified authentication response message is sent to an acquiring system based on the authentication indicator and the funds source identifier.

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.

The invention relates to a payment card (1) comprising at least one authentication code (3) on one side (10, 11), said authentication code (3) being unique and belonging to the payment card (1), said authentication code (3) being affixed to the payment card (1), said authentication code (3) forming a means for identifying the payment card (1) by optical recognition, said identification means being linked to a bank account to which the payment card (1) is linked. The invention also relates to a method for authenticating the payment card (1) and the bearer (100) of said payment card (1) in order to carry out secure operations on personal data of the bearer (100) of said payment card (1). Finally, the invention relates to the use of the authentication method for making remote payments using the payment card (1).

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.

The invention relates to the technical field of highway charging piles, in particular to a unified consumption linkage service system for highway charging piles, and the system comprises a user interaction module which is used for receiving user position data and a charging pile operation instruction submitted by a user; the charging pile data acquisition module is used for acquiring real-time operation data of each charging pile in the expressway service area; the scheduling verification module is used for generating a charging scheduling instruction; the order processing module is used for calculating the charging metering data of the charging pile corresponding to the target charging pile identifier; the payment management module is used for updating the payment state of the charging order data based on the payment confirmation information; and the invoice filing module is used for outputting charging pile filing information when the payment state of the target to-be-invoiced order is paid and the invoicing state in the to-be-invoiced order is not invoiced. According to the invention, unified consumption linkage service management can be carried out on a plurality of charging piles in the expressway service area, and the response efficiency to the charging request of the user is improved.

A computer-based system, method, and computer program product for permissioning private transactions on a public network. The system and method including a blockchain privacy network having a computer processor configured to execute a policy enforcement computing system by using at least one compliance zero-knowledge proof, enforcing compliance of a private transaction on a blockchain network with a predefined policy. The system and method controlling an identity by issuing a decentralized private credential (DPC) to a verified user, integrating an identity assertion into the decentralized private credential (DPC), the identity assertion associated with the verified user, and verifying the identity assertion by using a verification zero-knowledge proof.

Technologies for enhancing credit transactions include a point of sale computing system. The point of sale computing system receives payment vehicle data for a credit transaction associated with a purchase event. The point of sale computing system determines whether the credit transaction is an alternate routing candidate. The point of sale computing system routes an authorization request message to an issuer computing system via a payment card network in response to a determination that the credit transaction is not an alternate routing candidate. Alternatively, the point of sale computing system routes the authorization request message directly to the issuer computing system via a PIN debit network in response to a determination that the credit transaction is an alternate routing candidate. A corresponding authorization response message is received by the point of sale computing system via the payment card network or the PIN debit network. Other embodiments are described and claimed.

The invention relates to a method for carrying out a payment process for a product (14) in a motor vehicle (10), comprising the steps of: providing a user profile (22) of a user (20) for paying for products (14) in the motor vehicle (10) by means of an electronic computing device (18) of an assistance system (12), at least one identification character string for a real-time debit method (24) being provided for the user profile (22), and at least one online banking access (26) being linked to the user profile (22); detecting an intention of the user (28) to purchase the product (14) by means of a detection device (16) of the assistance system (12); establishing a connection (30) between the online banking access (26) by means of a communication device (20) of the assistance system (12); displaying an approval request (32) for a payment process via the online banking access (26) by means of a display device (34); and carrying out the payment process by means of the real-time debit method (24) by approving the user (28) via the display device (34). The invention also relates to a computer program product and to an assistance system (12).

A ticketing device (10) includes a main body (10A) a thermal printer (13), and a code scanner (14). The thermal printer (13) is provided in the main body (10A). The code scanner (14) is provided in the main body (10A) and is capable of registering a plurality of pieces of commercial good information that are providable to a user of a first type. The thermal printer (13) is capable of attaching one selected from among the plurality of pieces of commercial good information registered in the code scanner (14) to a ticket and issuing the ticket.

The invention relates to a method for carrying out a payment transaction for a product (14) in a motor vehicle (10), comprising the steps of: providing a user profile (22) of a user (20) for paying for products (14) in the motor vehicle (10) by means of an electronic computing device (18) of a support system (12), wherein at least one identification string for a real-time direct debit procedure (24) is provided for the user profile (22), and wherein at least one online banking access (26) is linked to the user profile (22); capturing a purchase intention of the user (28) for the product (14) by means of a capture device (16) of the support system (12); establishing a connection (30) between the online banking access (26) by means of a communication device (20) of the support system (12); displaying a release request (32) for a payment transaction via the online banking access (26) by means of a display device (34);and carrying out the payment process using the real-time direct debit procedure (24) by the user's authorization (28) via the display device (34). The invention further relates to a computer program product and a support system (12).

A financial system and method designed to help individuals build or repair their credit history through the use of a debit card includes building a credit history by leveraging direct deposits from ones employer to establish a line of credit. The line of credit can then be reported to credit bureaus regularly, thus enhancing a user's credit score. In one specific form, the financial system and method first establishes a credit line based on a user's direct salary deposit. A line of credit is then specifically established based on the amount of the direct deposit amounts. Regular reporting of purchase activities and balances are reported to credit bureaus such as Experian every two weeks for example.

There are provided systems and methods for providing application notifications for computing application limitations. A user may engage in a transaction with another user, such as a purchase of goods, services, or other items a merchant using a payment account and / or payment card, such as through a software application. An online transaction processor may provide a monitoring operation to enforce an electronic transaction processing limit on use of one or more account and / or payment limitations via the application. This limit may correspond to a processing limit or throttle, which may limit use of a spending limit in the application below a maximum amount of usage allowed. When the limit is utilized, the online transaction processor may determine that the throttle is approved or violated and may allow a user to configure such limitation through slidable and / or adjustable application icons and interfaces.

[Problem] To provide a money transaction system, a computer program, and a money transaction method that make it possible to safely perform a money transaction even offline. [Solution] A first information terminal 20 includes: a first acquisition means 26 that acquires transaction amount data in a money transaction; a first money processing means 26 that increases or decreases first balance data on the basis of the transaction amount data; and a first display means 26 that displays image information including first security information or information based on the first security information when the increase or decrease of the balance in the first balance data is completed. A second information terminal 10 includes: a second acquisition means 16 that acquires the first security information or the information based on the first security information from the image information; and a second money processing means 16 that increases or decreases the balance in second balance data on the basis of the first security information or the information based on the first security information.

A method, system, and computer program product for selecting and using transactional payment methods using a contactless card and a mobile application. An identifier associated with a transaction is received. The transaction is configured to be performed using at least one computing device. One or more virtual identifiers are generated using the received identifiers. At least one virtual identifier is selected and assigned to the transaction. Performance of the transaction is triggered by the computing device using the assigned virtual identifier.

To realize a highly convenient electronic money service. [Solution] The present invention is an electronic money payment method implemented by an electronic money service provider system that provides electronic money services. The method includes: managing an association between a user's electronic money account and a user's deposit account for each user who uses the electronic money service; virtually setting the balance of the electronic money account to be linked to the balance of the deposit account; and, in response to an electronic money payment, requesting a financial institution system to process a transfer so that the amount for the payment is directly transferred from the deposit account associated with the electronic money account to the deposit account of the recipient at the financial institution who is to receive the amount through the payment.

A computer-implemented system is configured to provide data processing services to an entity; the system includes: (i) a data-analysis environment, which includes or accesses a data store that stores data and meta-data for one or more data objects that represent a store of value ('data objects'), such as data objects that are created by the entity; and (ii) an API layer that links the data-analysis environment to (a) a digital wallet publisher, and to (b) a service publisher that publishes data to, and receives data from, the data-analysis environment.