129 results about "CreditCard" patented technology

In some examples, a method is included for converting and exchanging loyalty points. The method includes generating, by a computing system, records that include relationship information linking a credit card of a credit card issuer to loyalty rewards program entities. The method includes converting card issuer points of the issuer to loyalty rewards program points of one loyalty rewards program entity of the program entities according to a point conversion rule. The loyalty rewards program points can be issued by the one loyalty rewards program entity to a corresponding loyalty rewards program account of a cardholder of the card after the conversion and according to the point conversion rule. And, the conversion of the card issuer points to the loyalty rewards program points can include a two-step conversion including converting the card issuer points to intermediate points and then converting the intermediate points to the loyalty rewards program points.

A neck scarf or shawl formed of a cylindrical of fabric. The transverse width and the circumference of the tubular body are sized to permit the scarf to be worn by an adult person and to cover the upper arms and upper body of the person in a fully deployed position. The cylinder of fabric has upper and lower circular edges with first and second elastic sections. A closeable pouch is secured on the inside of the fabric cylinder between the elastic edge sections. An open pocket may be provided on the surface of the pouch. The elastic sections allow the pouch and its contents to be secured by twisting the panel so that the pouch it is secured inside a double-wrapped layer of fabric. The pouch may be lined with RFID blocking material to prevent surreptitious reading of credit cards or other magnetic data media inside the pouch.

Methods for an electronic token-based payment system includes providing a deferred-payment service by a network-accessible deferred-payment server that performs the steps of processing authorization of digital content purchases for a user account without requiring payment at time of purchase, monitoring a total outstanding purchase balance associated with the user account, and transmitting a settlement request signal to a computer server associated with the financial institution having a credit card account associated with the user for settlement of at least a part of the total outstanding purchase balance when the total outstanding balance exceeds at least one of a predetermined threshold amount and / or accrued over a time that exceeds a predetermined time interval. The transmitted settlement request signal includes information indicative of the total outstanding purchase balance owed, and the electronic token associated with the user of the user account. The electronic token being obtained from a user information database containing electronic tokens associated with corresponding respective user accounts, each token being unique with respect to both a user account of the deferred-payment service for a user, and with respect to a credit card account issued by the financial institution for such user. The token including encrypted information of a characteristic of a user who is associated with the user account, in absence of any information of the user account identification or the credit card account identification, wherein the deferred-payment service has not been provided with, nor has access to, the credit card account identification.

A garment or article of clothing made of a resilient / elastomeric material includes at least a waist portion, a first leg portion, and a second leg portion. The waist portion further includes a pocket on the rear of the garment, where the pocket is defined by a backing panel, a first flap, and a second flap. The first flap is at least partially disposed over the second flap to secure contents between the backing panel and the second panel, and thus, within the pocket. When the waist portion is stretched, the tensile forces imparted onto the waist portion by the resilient / elastomeric material causes the first flap to at least partially overlie the second flap. The pocket is sized and shaped to receive smartphones and other small personal items, such as keys, money, credit cards, identifications, etc.

To provide an information processing device, an information processing method, and a program capable of appropriately selecting affiliated stores that permit the use of a prepaid card. [Solution] An information processing device comprising: an acquisition unit that acquires at least a credit card payment history performed at one or more credit card affiliated stores; and a generation unit that generates, based on the payment history, list information that identifies affiliated stores among the one or more affiliated stores that will or will not allow the use of a prepaid card that performs payment processing using the electronic money balance of an electronic payment service charged by the user.

A methodological technical approach is proposed herein that utilizes historical data to employ a heuristic optimization algorithm for data message routing. While not specifically limited to the banking sector and financial institutions, as a practical example, the approach can utilize historical data relating to patterns of transactions for analyzing customer behavior and detecting fraudulent activities. For example, trajectory mining can be used to analyze the transaction patterns of credit card users, or behavioural patterns of mobile banking users, such as checking account balance, transferring funds and paying bills.

The invention discloses a credit card transaction anomaly detection method and device and a medium, and the method comprises the steps: obtaining credit card transaction data, and executing data preprocessing and spatial-temporal feature coding; based on a variational auto-encoder, constructing a reference mode of normal transaction through unsupervised learning, and analyzing credit card transaction data to obtain a corresponding reconstruction error; and based on a deep reinforcement learning model, optimization is carried out through a trial and error learning optimization detection strategy, credit card transaction data is analyzed, and abnormal actions are marked. The dynamic adaptability is enhanced, autonomous discovery of a novel fraud mode is realized, and a traditional method depends on a static rule or a fixed model and is difficult to deal with quickly evolved fraud means (such as zero-day attack and cross-border collaborative fraud fraud). Through the DRL-VAE collaborative architecture, the unsupervised reconstruction error of the variational auto-encoder is used as an internal reward signal, and the reinforcement learning agent is driven to actively explore the unknown abnormal mode.

A tamperproof diamond package comprises a package body; at least one chip embedded in the package body and at least one antenna configured to enable communication with the chip; anti-counterfeiting visual impressions on the package body; a diamond pouch formed at a predetermined section within the package body; and one or more diamonds located inside the diamond pouch and an outer covering encasing the package body and configured to reveal any tampering with the one or more diamonds located in the diamond pouch. The diamond package can be credit card shaped and also contains serial number and website information and be provided in nominal dollar values. An associated diamond exchange system utilizes the diamond packages and provides a registration server which stores unique identifying information that enable interrogating the individual diamond packages and checking their authenticity with the registration server.

The disclosed system and method can manage real-time transactions using a blockchain ledger. A processor can create a fractionalized risk pool for a property, comprising asset tokens and an occupancy token. The processor can receive title information and can update the blockchain ledger with this information, a timestamp, and / or a property valuation. Upon receiving a transaction from a credit card network and / or issuing bank, the processor can determine a user's real-time equity.

A system and method for making credit card to credit card payments. The system may include a processor, a network, a general ledger, a staging element with reconcilement capabilities, an institution account, and a clearing house account. The system may complete a credit card to credit card transaction by utilizing the credit available in a credit card account to reimburse funds utilized through the institution account. The clearing house ensures the transaction is satisfied by both the institution account and the credit card account. The operations may include providing an interface; using generative artificial intelligence to generate a prompt specific to an account associated with the interface; and displaying the prompt to a user of the account.

To provide a terminal capable of recognizing that settlement cannot be performed in a stage before trying the settlement by a settlement server when a user owns a credit card to be used for the settlement and another credit card in which a part of card face information is the same.SOLUTION: The device 10A includes a determination unit 113 that, when an operation of the user U instructing credit settlement using a first credit card is received, determines whether or not first information identical to first information relating to the first credit card is also stored in a storage device 12A storing first information that is a part of identification information uniquely identifying each of a plurality of credit cards that the user U can use for credit settlement, and a display control unit 114A that, when a determination result of the determination unit 113 is affirmative, displays, on a display, that credit settlement cannot be performed.SELECTED DRAWING: Figure 3

To improve convenience of a user.SOLUTION: An acquisition unit configured to acquire credit settlement information regarding a settlement transmitted in response to a user using a credit card at a member store of a credit card, and identify second user identification information managed in a service that provides a first benefit corresponding to first user identification information for identifying the user included in the credit settlement information; A processing unit configured to specify second member store identification information managed in the service corresponding to first member store identification information for identifying the member store included in the credit payment information, and apply the first privilege to the payment of the credit payment information when the first privilege applied to the payment of the credit card at the member store of the second member store identification information is associated with the second user identification information in the service.SELECTED DRAWING: Figure 1

The application discloses a method for processing data sets in credit card fraud transactions based on clustering down-sampling technology, and relates to the application of artificial intelligence field related algorithm. According to the nature of the transaction, the credit card transaction is divided into normal transaction and fraud transaction, and the K-Means clustering algorithm is used for clustering all normal transactions. For each credit card normal transaction cluster obtained by clustering, a new node is created to represent the cluster, and the new node represents the characteristics of the normal transactions with similar characteristics. These new nodes represent the representatives of normal transaction nodes with similar characteristics, and the new nodes of all clusters constitute a new normal transaction set. Finally, the new normal transaction set and the fraud transaction set are combined into a balanced training data set. The application solves the technical problem that the existing technology cannot effectively extract the characteristics of a specific group due to the imbalance of the data set in the credit card fraud detection, resulting in slow operation efficiency and low accuracy.

The invention relates to the field of machine learning, and particularly provides a financial fraud detection method and device, and the method comprises the following steps: S1, obtaining financial transaction transfer related information; s2, performing data preprocessing on the related information to obtain transfer risk feature data; and S3, according to the transfer risk feature data and a Stacking ensemble learning risk identification model, obtaining a corresponding transfer risk identification result in the transfer transaction. Compared with the prior art, the method has the advantages of being high in real-time performance, outstanding in anti-interference capability and good in expandability, and is suitable for financial risk control scenes such as credit card fraud prevention and money laundering prevention.

The invention discloses a credit card management method and device, equipment, a storage medium and a product. The specific scheme is as follows: verifying at least one locking code of a plurality of credit cards according to a preset management constraint condition of a plurality of credit card management levels to obtain a target control parameter corresponding to each credit card; when it is detected that the received target transaction data belongs to credit card transaction, target credit card information is determined, and a target control parameter corresponding to the target credit card information is called; and when the target transaction data and the target control parameter meet a preset condition, returning transaction completion response data indicating that the target transaction corresponding to the target transaction data is completed. According to the method, the locking code and the target control parameter are adopted, effective risk management and control of credit card transaction are realized, and the credit card use experience of a user is improved.

1. Name of the product in this design: Interface main body of a graphical user interface for displaying the rights and interests of electronic devices. 2. Intended use of this design: for use in an electronic device. 3. The key design feature of this product is its graphical user interface. 4. The picture or photo that best illustrates the key design points: Design 1 front view. 5. Design 1 is designated as the basic design. 6. Purpose of the graphical user interface: The overall and partial purpose of this design is to display card benefits information, such as credit card benefits. 7. Human-computer interaction method of graphical user interface: In Design 1, when the user clicks the “Limited-time bonus gift” module in the main view of Design 1, he / she can view the details of the benefits, as shown in the reference figure of the interface usage status of Design 1. The human-computer interaction methods of Designs 2 to 8 are the same as those of Design 1, and will not be described again. 8. Other situations requiring explanation: The text and numerical content in each design interface does not limit the scope of protection of this design. The dashed lines in the interface represent parts that do not require protection.

1. Name of the design product: bank card. 2. Use of the design product: used as a bank card, such as a credit card or a debit card. 3. Design points of the design product: in the pattern. 4. Picture or photo that best indicates the design points: front view. 5. The design product is a thin product, and the left view, right view, top view, and bottom view are omitted.

The invention relates to the technical field of block chains, and discloses a block chain-based card surface pattern information management method and device, a medium and equipment, and the method comprises the steps: storing a digital file of a credit card surface pattern into a distributed storage system, and obtaining a corresponding content identifier; performing NFT casting by using the smart contract of the block chain, generating an unallocated card surface NFT, and recording the unallocated card surface NFT in the block chain; after the application of the user credit card is passed, the card surface NFT is bound with the user credit card, and then the state of the card surface NFT is updated to be allocated; and making an entity credit card based on the digitized file corresponding to the allocated card surface NFT, and transferring the ownership of the card surface NFT to the block chain address of the corresponding user after the entity credit card is activated. According to the method, the card surface pattern is bound with the life cycle of the credit card, so that the card surface pattern is converted from a static pattern to a digital asset which is synchronous with the physical card state, and the digital value bearing capacity of the credit card is improved.

The application provides a gift recommendation method, device and equipment and a storage medium; the method in the application comprises the following steps: receiving a gift recommendation request, extracting a target user corresponding to the gift recommendation request and user attribute characteristics of the target user; extracting historical user comments of the target user according to the user attribute characteristics, and performing sentiment tendency analysis on the historical user comments to obtain positive user comments; obtaining evaluation commodities corresponding to the positive user comments and target gift categories corresponding to the evaluation commodities, obtaining candidate gifts corresponding to the target gift categories in a preset gift database; obtaining historical gift comments of the candidate gifts, determining target gifts to be recommended according to the historical gift comments and the positive user comments, and recommending the target gifts to the target user. The target gifts that the target user is interested in are determined according to the historical user comments of the target user, and the recommendation accuracy of credit card gifts is improved.

Flexible switching of authentication methods depending on the user's status. [Solution] A credit card payment management system for managing payments by credit card, comprising: an information management unit that manages information of credit card users using a storage unit; and an authentication processing unit that, when it receives notification from an electronic payment service management device provided by a business other than the credit card business operator that the user has registered the credit card as a means of payment for an electronic payment service provided by a business other than the credit card business operator, sends back a list of authentication methods to the management device, wherein the authentication processing unit changes the list of authentication methods according to the user information stored in the storage unit.

The invention provides a credit card application processing method and device, equipment, a medium and a product, relates to the field of artificial intelligence, and can be applied to the field of financial science and technology. Comprising the steps that credit card information of a target user is acquired, and the target user is a user who fills in credit card application information but does not submit the credit card application information; the credit card information of the target user is analyzed by adopting a caching technology and a data matching algorithm, intra-bank credit card information of the target user is determined, and the intra-bank credit card information is used for indicating that an intra-bank credit card is held or not held; if the intra-bank credit card information represents that the target user does not hold the intra-bank credit card, target feature information in the credit card information is extracted according to an auto-encoder algorithm; according to the target feature information and the matrix decomposition algorithm, the first service information is pushed to the target user, the first service information is information of at least one target credit card determined according to the demand of the target user, the application efficiency of the credit card is improved, and the satisfaction degree of credit card application of the user is improved.

The invention discloses a method for determining the card number of a credit card of a user and a related device, and relates to the field of finance, and the method comprises the steps: dividing a sequence number range of the credit card into a plurality of fragments, and determining a current fragment corresponding to a non-optional user based on an identification code of the non-optional user and a bank identification code; inquiring whether a card number corresponding to the current number constructed based on the bank identification code and the current sequence number in the current fragment sequence number range exists in a preset card number library or not; if not, calculating the current card number, adding the current card number meeting a preset card number rule to a preset card number library, and determining the current card number not meeting the preset card number rule as the card number of the credit card of the user; if yes, the card number of the credit card of the user can be determined based on the current state of the card number corresponding to the current number; in the process, high-quality card numbers are dynamically identified and merged into the card number library, no-value card numbers are prevented from entering the library, lightweight management of the card number library is realized, and the utilization rate of the card numbers in the card number range of the credit card is improved.

This product is an integrated circuit card (IC card) used for credit cards, etc.

To provide a variety of transactions and timing of the use of points available to a user of a credit card.SOLUTION: A server of an accounting system includes the steps of: storing credit card spending limit of a user and points available for payment by a credit card of the user, and acquires settlement data including the amount settled regarding credit-card settlement of the user; referring to available credit card limit set to the user based on the settlement data, and determining whether to accept credit-card settlement; performing the credit-card settlement when the determination result permits the credit-card settlement; subtracting, for using the points offered to the user for the credit-card settlement, the points offered to the user and the amount to be withdrawn from a financial institution account related to the credit-card settlement, and generating data on the withdrawal from the financial institution account of the user; and transmitting the generated withdrawal data to a financial institution.SELECTED DRAWING: Figure 6

To provide a method that enables a cardholder to monitor fraudulent use (including fictitious charges) of a credit card.SOLUTION: A system of a card company includes: authority processing means that performs authorization of a credit card of a user based on a request from an affiliated store that accepts a payment by a credit card; affiliated store settlement processing means that performs settlement processing with the affiliated store based on sales data from the affiliated store; user declaration reception means that receives a use declaration of the credit card from the user; and user settlement means that performs settlement processing with the user on condition that the sales data from the affiliated store and the use declaration from the user are complete.SELECTED DRAWING: Figure 2

Automatic notification system that uses the user's geolocation to identify nearby stores and, through integration with APIs of credit card issuers and benefits programs, notifies users of available discounts in real time. The solution is completed with a digital wallet that allows direct payment from the application with the most convenient card. This system optimizes the user experience by centralizing benefits and simplifying the payment process.

In some examples, a method is included for converting and exchanging loyalty points. The method includes generating, by a computing system, records that include relationship information linking a credit card of a credit card issuer to loyalty rewards program entities. The method includes converting card issuer points of the issuer to loyalty rewards program points of one loyalty rewards program entity of the program entities according to a point conversion rule. The loyalty rewards program points can be issued by the one loyalty rewards program entity to a corresponding loyalty rewards program account of a cardholder of the card after the conversion and according to the point conversion rule. And, the conversion of the card issuer points to the loyalty rewards program points can include a two-step conversion including converting the card issuer points to intermediate points and then converting the intermediate points to the loyalty rewards program points.

Systems and methods for real-time account access, allowing access to accounts (such as deposit, credit, or debit accounts) through network processing infrastructures such as Electronic Funds Transfer (EFT). In some embodiments, consumers and / or merchants are able to effect transaction requests against accounts, using a pseudo-Identifier or other identifier, and without the need to provide an account number or card number. In other embodiments, payment networks are able to route and process transaction requests against accounts, without having a card number or account number. In other embodiments, account processing systems are able to determine an appropriate account based on transaction requests that do not contain card numbers or account numbers.

The present invention is directed toward a minimalistic card wallet similarly sized to the width and length dimensions of a credit card. The card wallet is designed interchangeably with an elastic band for expansion to provide the maximal amount of compartment space for card-like contents as well as paper currency. The card wallet is formed in a minimal profile and design that is snag-free, easy to use, and comfortable in pockets. The card wallet allows for ease of access to card-like contents by a pull strap and is encased in RFID blocking materials made from beveled aluminum metal and soft leather or carbon fiber for carrying comfort and simplicity.