51results about "Debit schemes" patented technology

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.

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.

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.

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).

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.

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.

A method for initiating a provisioning of a payment account to a mobile wallet includes generating, by a provider computing system on an initiating device, a user interface configured to initiate the provisioning of one or more payment accounts; receiving, by the provider computing system via the user interface, authentication information, wherein the authentication information authenticates a user associated with the mobile wallet; retrieving, by the provider computing system and based on the authentication information, account information associated with the user regarding one or more eligible payment accounts for provisioning; displaying, by the provider computing system via the user interface, a list of the one or more eligible payment accounts provisioning; and receiving, by the provider computing system via the user interface, a selection of the payment account from the list for provisioning to the mobile wallet.

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.

To reduce the possibility of becoming impossible settlement due to a balance shortage of an account in transaction settlement.SOLUTION: A settlement method of a transaction between a first dealer and a second dealer makes a server device receive a request for validity confirmation of settlement means associated with a first dealer account from a first dealer device or a second dealer device S12, perform the validity confirmation of the settlement means on the basis of the request S13, instruct a first institution device for managing the first dealer account to transfer a secured amount from the first dealer account to a management account on the basis of a result of the validity confirmation S14, receive a determination notification notifying that a settlement amount of settlement is determined from the first dealer device or the second dealer device S22, calculate a difference between the secured amount and the determined settlement amount on the basis of the determination notification S23, execute adjustment processing of the difference, and instruct the management institution device to transfer the settlement amount from the management account to the second dealer account of the second dealer.SELECTED DRAWING: Figure 4

The embodiment of the invention discloses a payment method and a storage medium. The method comprises the following steps: in response to a payment request of a consumer, obtaining consumption data of the consumer, and caching the consumption data in an offline mode, the consumption data comprising a personnel identifier and consumption time; and in response to the data uploading request, in an online mode, aiming at each piece of currently cached consumption data, uploading the consumption data to a server, so that the server carries out fee deduction processing according to the received consumption time and the personnel identifier to complete the payment process of the consumer. According to the technical scheme of the embodiment of the invention, continuity and high efficiency of payment service can be kept.

The object of this present Patent of Invention application idealizes an autonomous payment system for amounts for use in transport infrastructures such as barrier or free-flow technologies, georeferencing, geolocation and license plate reading for information about any vehicle that crosses vehicle passage points (4), for monitoring or payment without user intervention (6) which will have the amounts debited from their wallet or through credit card.

Systems and methods are provided for providing application notifications for calculating application limits. A user may use a payment account and / or payment card, such as through a software application, to engage in a transaction with another user, such as purchasing goods, services, or other items from a merchant. An online transaction processor provides monitoring operations to apply electronic transaction processing limits and / or spending limits via the application to usage of one or more accounts. The limits may correspond to processing limits or restrictions that may restrict usage of a spending limit on the application to less than a maximum amount of allowable usage. When a limit is utilized, the online transaction processor may determine that the limit has been approved or violated, and may enable the user to set such limits via a slidable and / or adjustable application icon and interface.

The embodiment of the invention discloses an agent-based service execution method, which comprises the following steps that: an agent management system receives a state query call request sent by an agent when the agent is used by a first user, queries a subscription state of the first user, and returns the subscription state to the agent; receiving a subscription calling request returned by the agent when the agent determines that the first user does not have the use right, querying each subscription plan associated with the agent, sending the subscription plans to the first user, and when a payment request sent by the first user to a target subscription plan is received, sending the target subscription plan to the agent; and payment is carried out on the target subscription plan by adopting a payment account of the first user, and the subscription state of the first user is updated. Through the method, the intelligent agent does not need to have a function of maintaining the subscription state of each user, and does not need to have a function of providing payment service for the user who needs to subscribe to the intelligent agent, so that the workload required by an intelligent agent developer for developing the intelligent agent can be effectively reduced, and the development efficiency is improved.

The application relates to the technical field of lightning detection systems, and discloses an intelligent lightning detection system for traffic road conditions, which comprises a lightning sensor, a data acquisition module and a data processing server. The lightning sensor is arranged along the road, and the data acquisition module is connected with the lightning sensor through an electric signal. The data processing server of the application improves the decision-making efficiency. The application enables the data processing server to efficiently process large-scale data, supports decision-making through the analysis of historical and real-time data. This helps decision-makers to quickly understand the current situation, make wise strategies and policies to cope with the lightning risk on the road, thereby improving the decision-making efficiency. The big data analysis capability allows the server to timely detect the lightning activity risk and provide relevant warning and prediction information. This helps to improve the road safety, reduce the occurrence of lightning-related accidents, and protect the lives and property of drivers, passengers and road users.

A system, method, and device for enabling a remote player to participate in a live game together with in-person participants. A proxy device may be deployed at a gaming location where the live in-person game is being played. The proxy device communicates with a user device of a corresponding user. The user receives feedback data from the proxy device related to the game. The user controls the operation of the proxy device through the user's user device. Thus, the proxy device participates in the live game on behalf of the user. This may enable the user to enjoy the entire gaming experience of participating in a live game together with other participants and / or venue employees, even while the user is not physically present at the gaming location.