295results about "Electronic credentials" patented technology

A machine comprising a transceiver, one or more processors, and memory performs communications operations via one or more user devices. The communications operations include establishing via the transceiver a connection with a first user device, and transmitting first information to the first user device. Upon not receiving an acknowledgement that the first information was received by a server, the machine maintains the first information in the memory and establishes, via the transceiver, a connection with a second user device, appends the first information to second information, and transmits the first and second information to the second user device. Upon receiving acknowledgement that the first and second information were received by a server, the offline retail machine deletes the first and second information.

Techniques are described, as implemented by computing devices, to control access to transactions through use of cosigning based on tokenized reputation scores. This is performed by leveraging a blockchain such that tokenized reputation scores are generated based on amounts of cryptographic reputation tokens associated with blockchain account addresses associated with applicant and co-signer service provider accounts. Transactional functionality is made available to an applicant service provider account having an insufficient tokenized reputation score by using a co-signer service provider account having a sufficient tokenized reputation score to at least partially back an obligation of the applicant service provider for a transaction.

Disclosed are systems and methods for generating encoded instruments that implement electronic transfers. The system converts instruments to an electronic format using an imaging source or optical code detection device. The image data is processed to decode encoded components of the image data and to determine content elements and segments of the electronic transfer instrument and to extract transfer data. The transfer data is validated to facilitate secure, accurate execution of the electronic transfer.

This disclosure relates to creating a connection between two devices without using a UUID and / or MAC address. For example, a first device can store a private key for creating a secure connection. A second device may request that a user log into an account associated with the first device (e.g., a customer account, a financial account, an employee account, and / or the like) in order to initiate the wireless connection. The second device user can enter login credentials via the second device, which may then be transmitted to a backend system. The backend system can receive and validate the login credentials and, in response, transmit a public key to the second device. The second device can use the public key to perform a public / private key handshake in order to validate the first device.

An integrated selling system platform includes a point-of-sale application and middleware to perform global tokenization orchestration, that in combination, provide credit card reading device agnostic global token and provisioning operations. The middleware includes communication interfaces, each of which corresponds to a particular communication protocol. The middleware receives a token create request from the point of sale application and directly communicates, via one of the communication protocols, to a point-of-interaction payment device, to receive and securely encrypt the credit card number, then transmit that information to a hosted network token provisioning system to request a network token. Upon receiving the network token, the middleware communicates directly, via one or more protocols, to a global merchant tokenization host, to create a merchant specific token, to be returned by the middleware back to the point-of-sale client to use as a card-on-file payment method.

An electronic device includes a slave interface configured for coupling to a machine controller of a machine via a multi-drop bus (MDB), a host interface configured for coupling to a first peripheral device of the machine, and memory storing one or more programs to be executed by the one or more processors and comprising instructions for: registering the electronic device as a slave to the machine controller, registering the first peripheral device as a slave to the electronic device, receiving from a mobile device a request to access signals generated by the first peripheral device, validating the request, and sending a reset command to the first peripheral device via the host interface, the reset command including a directive to update a signal destination address of the first peripheral device from a controller address of the machine controller to a device address of the electronic device.

The disclosed systems and techniques discussed herein include a client device that offers a service to a customer in exchange for approval by customer to transfer customer data to a merchant system. The client device initiates a session with a merchant system to receive the customer data from a bank system and requests approval from the customer to transfer the customer data. By presenting a contactless card to the client device, the contactless card passes a message to the client device and the client device communicates the message with the bank system to validate the contactless card. After validation of the contactless card, the bank system communicates the customer data to the merchant system via a switchboard network to establish the service for the customer.

Systems and methods are disclosed for generating one or more smart contracts for deployment onto a blockchain. The systems and methods may include (1) receiving vehicle information related to a vehicle; (2) analyzing the vehicle information to identify one or more safety features installed in the vehicle; (3) generating, based upon the one or more safety features identified, a smart contract that may be configured to (i) maintain a set of indications related to whether safety features in the one or more safety features installed in the vehicle have been activated, and (ii) automatically execute on the blockchain based upon the maintained set of indications; and / or (4) deploying the smart contract at a particular address on the blockchain.

In some implementations, an identity verification device may receive a request to verify an identity associated with a user accessing a social media account to share information on a social media platform. The identity verification device may generate, based on the request, a virtual credential linked to a primary credential associated with a financial account belonging to a holder of the social media account. The virtual credential may be used in an identity verification transaction to prove that the user accessing the social media account has access to the financial account associated with the social media account holder. The identity verification device may store a record indicating that the virtual credential was used to conduct the identity verification transaction and may provide, to the social media platform, information to verify the identity associated with the user accessing the social media account based on the record.

The subject system may be implemented by a processor circuit configured to receive a payment credential request from a user device, wherein the payment credential request comprises a requested amount and indicates a product type, provision, in response to the payment credential request and based at least in part on the product type, a payment credential and a payment account corresponding to the payment credential, wherein the payment account is associated with a balance corresponding to the requested amount, receive, from a merchant system, an indication of an authorization amount and the payment credential, authorize, based at least in part on the balance associated with the payment account, payment of the authorization amount to the merchant system, in response to receiving the indication, and update the balance associated with the payment account based at least in part on the authorization amount, in response to authorizing the payment.

A method is disclosed. The method includes transmitting a verification request comprising a wallet account identifier associated with a digital wallet to a smart contract on a blockchain network or a smart contract application associated with the smart contract. The smart contract or the smart contract application verifies the wallet account identifier using a blockchain on the blockchain network. The method also includes receiving from the smart contract on the blockchain network or the smart contract application, a verification response verifying the wallet account. The method further includes initiating transmitting to an authorizing entity computer, an authorization request message comprising a credential associated with the wallet account identifier.

Methods and apparatus for secure registration to enable transactions between a first user and a vendor that is facilitated by a payment server are disclosed. The method may comprise storing a form soliciting customer information including a plurality of fields, wherein at least one of the plurality of fields is associated with an attribute. The method including receiving a copy of the form including customer data in all of the plurality of fields and transmitting a first subset of the customer data based on the attribute associated with the first subset of the customer data. The method including receiving a token in response to the transmission of the first subset of customer data and transmitting the token and a second subset of the customer data, wherein the second subset is based on the attribute associated with the second subset of customer data.

Disclosed herein is a technique for mitigating errors tied to software applications. According to some embodiments, the technique can be implemented by a server device, and include the steps of (1) identifying at least one error associated with a user of a software application, (2) identifying at least one client device associated with the user and on which the software application is installed, and (3) providing, to the at least one client device, an indication of the at least one error to cause the software application to, in conjunction with being loaded and / or displayed on the at least one client device: display a user interface that includes information derived from the indication, wherein the user interface is sandboxed from the software application in a manner that prevents the software application from observing activity that occurs within the user interface.

A method and apparatus for processing a transaction between a merchant system and a customer system, the customer system associated with a customer of the merchant are described. The method may include receiving, at a commerce platform, a transaction request from the merchant system, wherein the transaction request is generated by the merchant system and comprises a card identifier and encrypted payment card data, wherein the card identifier is determined from card data for a payment card used in the transaction and the encrypted payment card data comprises at least an encryption of a payment account number. The method may also include decrypting, by the commerce platform, the encrypted payment card data using an encryption key selected based on the card identifier, the encryption key associated with the commerce platform. Furthermore, the method may include authorizing, by the commerce platform in communication with one or more authorization systems, the transaction using the decrypted payment card data.

Embodiments of the present specification provide a payment interaction processing method and device, wherein a payment interaction processing method comprises: receiving a payment request submitted by a member terminal of a target member in a member group of an institution; the payment request is generated after triggering a payment interface configured by the member group; performing payment processing on payment information carried by the payment request to obtain a payment bill; generating a payment interaction message for each institution member in the member group according to the member authority of each institution member, the payment interaction message carries an interaction tag of the corresponding institution member; if a payment interaction request submitted by any institution member based on the interaction tag is received, performing payment interaction processing on the payment interaction request.

Systems and methods are disclosed for dynamically valuing user-generated data assets and distributing compensation based on such valuation. A computing platform receives user data elements from disparate data sources and authenticates ownership of the data using a verification protocol. The authenticated data elements are unified into a user data profile, and a valuation score is calculated according to factors such as recency, completeness, uniqueness, and market demand. A digital token representing the user data profile is generated and stored on a distributed ledger, the token including metadata corresponding to the valuation score. Compensation to the user is automatically distributed in response to token valuation activity and third-party access transactions. In various embodiments, the valuation score is updated in real time, tokens may be bundled into composite data funds, and smart contracts control access rights, payout conditions, token expiration, and privacy-based revocation.

Systems and techniques for digitization of payment cards for Web 3.0 (“Web3”) and metaverse transactions are provided. The described systems and techniques allow for the use of non-fungible tokens (NFTs) to represent a payment token for making a payment inside a Web3 and Metaverse environment. Indeed, the described systems and techniques provide a financial NFT enabled representation of a payment card account as a token in a blockchain network, which can then be used to facilitate Web3 payments with real-time fiat to crypto exchanges.

In a system for verifying transactions, when a user with a portable communication device approaches a resource provider location, the portable communication device provides an indication of its proximity to the location to a transaction processing system. Subsequently, the portable communication device provides a universally unique identifier (UUID) of a base station of the resource provider to the transaction processing system, which generates a hash using the UUID and a primary account number (PAN) of a portable transaction device associated with the portable communication device. When the user transacts with the portable transaction device at the provider, the provider generates a separate hash from the UUID and the PAN and sends the hash to the transaction processing system. A match between the hashes is considered a positive indication that the transaction is not fraudulent and that the resource provider is in compliance with the system.

The invention is suitable for the technical field of multi-scene transaction payment, and particularly relates to a multi-scene transaction payment processing method and system based on digital certificates, and the method comprises the steps: receiving a creditor's right and debt relationship uploaded by a registrant, creating the digital certificates corresponding to the creditor's right and debt relationship one by one, and writing the digital certificates into a pre-constructed management platform, inserting a label generated by attribute data into the digital certificate, wherein the attribute data at least comprises a denomination, an effective range and an application scene; a service scene is configured, the service scene is composed of asset auction and commodity retail, and a payment routing engine is embedded into the management platform. Through distributed storage and Hash verification, the security and reliability of the digital certificate circulation and payment process in multiple transaction scenes are greatly enhanced, so that asset auction and commodity retail scenes are supported, subsequent expansion to other transaction scenes is facilitated, and the payment efficiency and the use scene of the digital certificate are further improved.

The embodiment of the invention discloses a medical insurance payment system, which is characterized in that non-accepting equipment responds to non-contact communication with a user terminal, acquires a medical insurance electronic certificate of a user from a medical insurance system, and sends the medical insurance electronic certificate to a medical service system; and the medical service system queries the medical service executed by the user and the corresponding amount to be paid according to the medical insurance electronic certificate, and performs settlement payment by adopting the medical insurance account of the user through the medical insurance system. Through the above system, the user only needs to use the user terminal of the user to carry out one-time non-contact communication with the non-accepting equipment, the medical service system and the medical insurance system can cooperate with each other, and based on the medical insurance electronic certificate of the user, the medical insurance account of the user is adopted to carry out settlement payment on the medical service executed by the user at this time. And the efficiency and convenience of medical insurance payment can be effectively improved.

Systems, methods, and computer program products are provided for processing e-commerce transactions using a computer-generated code. An example method includes: receiving a transaction request initiated by a user device; generating a code storing transaction data of the payment transaction and an identifier of the merchant; searching the user device for at least one payment application on the user device supporting processing of payment transactions using the code; based on the searching, identifying the at least one payment application; and redirecting the user device to the at least one payment application for completion of the payment transaction, the payment transaction completed by the at least one payment application using the code.

As disclosed herein, a token and / or a public / private key can be stored in a secure enclave that can be later used when a user logs into the payment provider's website. At that time, the user can simply swipe a fingerprint to complete a transaction. Thus, biometric authentication may be applied to complete the transaction. Moreover, the transaction can be completed across different browsers. In an implementation, a long-term token is not utilized. Instead, when a user opts into the disclosed implementation, a private and public key pair is generated on the client side device. The private key may be stored in the secure enclave and the public key may be sent to the payment provider. Thus, there may be no token involved to complete the transaction.

The invention discloses a notarist mechanism-based exchange rate dynamic adjustable cross-chain method and a blockchain cross-chain system, and the method comprises the steps: enabling a transaction sender to exchange funds into cross-chain tokens at an asset manager at first when cross-chain initiation is carried out; and then the cross-chain token is transferred to a target chain in a cross-chain manner by using a Hash time lock contract through the assistance of a notary group. According to the invention, a traditional notarist-based cross-chain mechanism is improved, a new role-fund manager is introduced, and the exchange rate is endowed with a dynamic adjustment capability, so that external market changes can be dealt with in time; meanwhile, a chameleon hash function is used in the scheme, and under the condition that at least one honesty node exists in a payment path, the payment relationship between two transaction parties can be perfectly hidden, so that the relationship privacy of the user is well protected.

Methods, systems, and computer program products provide direct and in-network provisioning of tokens. A secure token exchange (STE) processor receives a direct token request from a token requestor prior to sending a payment transaction message or request for payment message. In-network token provisioning is performed during a transaction and also involves the STE processor. Data aggregation security is provided by verifying consumer information, tokenizing account data, and forwarding a token and consumer data to a data aggregator.

Systems and methods are directed to an improved fraud detection feature in Mobile Application Verification (MAV) device enrollment process. Systems and methods comprise a two-prong approach involving a strength factor evaluation of the authentication inputs provided during the initial enrollment process and a computation of a number of trust parameters values from archived transactional records. A computational model supplemented with machine learning is then used to determine a device stability period as a function of the strength factor associated with the user provided authentication data and the computed trust factors.

The invention discloses a cash access task processing method and equipment. The method relates to the field of financial science and technology, and comprises the steps of obtaining a target image of a target user under the condition that a task handling instruction of the target user is received; verifying the target image, and identifying whether the transaction voucher is abnormal or not under the condition that the verification result represents that the target image is correct; under the condition that the transaction voucher is not abnormal, first prompt information is displayed at a preset position of a display screen of the target financial equipment, and a fingerprint acquisition device is started; and after detecting that the target user inputs the fingerprint on the fingerprint acquisition film, turning off the fingerprint acquisition device, detecting the target fingerprint on the fingerprint acquisition film to obtain a detection result, and executing a cash access task according to the detection result. According to the method and the device, the problem of relatively low security of identity verification by inputting a password in the process of handling money depositing and withdrawing tasks in the related art is solved.

The present disclosure relates to a method for linking consumer payment credentials. The method includes storing, in a database, a first account identifier and a second account identifier, wherein the first account identifier is linked to the second account identifier in the database; receiving a first presentment request, wherein the first presentment request includes a first merchant identifier and the first account identifier; receiving a subsequent first presentment request, wherein the subsequent first presentment request includes a second merchant identifier and the second account identifier; determining, via the database, the first account identifier and the second account identifier are linked; generating a transaction link identifier, wherein the transaction link identifier identifies a link between the first presentment request and the subsequent first presentment request; and sending the transaction link identifier to an acquirer

The disclosure relates to the technical field of computers. Disclosed are a digital currency management method, apparatus and system. A specific implementation of the method includes: sending one or more first digital currencies to a first currency management apparatus corresponding to a first client, where the one or more first digital currencies belong to one or more second currency management apparatuses different from the first currency management apparatus; and receiving a second digital currency, which is generated by the first currency management apparatus according to the one or more first digital currencies, where the denomination of the second digital currency is equal to the sum of denominations of the one or more first digital currencies.

An exemplary communication device receives transaction data associated with an e-commerce transaction. The communication device provides, to a portable transaction device of a user, the transaction data via short range wireless communication. The portable transaction device generates a cryptogram based at least on the transaction data and a credential associated with an account. The communication device receives, from the portable transaction device, a payload including at least the cryptogram via the short range wireless communication; and transmits, to a token service computer, a token provisioning request message comprising the cryptogram. The communication device receives, from the token service computer, a token provisioning response message comprising a one-time use token associated with the credential upon validation of the cryptogram by a validation server; and transmits the one-time use token to a resource provider computer to finalize the e-commerce transaction.