283 results about "CreditCard" patented technology

An example operation may include one or more of training a large language model (LLM) to learn credit card data via execution of the LLM on content from one or more credit card documents, executing the LLM to generate a sequence of prompts which are output to a user via a chatbot within a chat window of a software application, receiving responses to the sequence of prompts for the user via the chat window of the software application, and retraining the LLM model to further learn credit card data via execution of the LLM on a combination of the sequence of prompts and the received responses.

To provide a credit card management apparatus which automatically determines a payment account according to how a credit card is used, without requiring a user of the credit card to designate the payment account when using the credit card.SOLUTION: A credit card management apparatus 10 includes: a management unit 111 which manages a card number of a credit card in association with a plurality of payment accounts; an acquisition unit 112 which acquires use information including the amount paid by using the credit card and the card number, use information relating to the use of the credit card; a classifying unit 113 which classifies modes of use of the credit card on the basis of the use information; a determination unit 114 which determines one of the payment accounts associated with the credit card, on the basis of the result classified by the classifying unit 113; and a settlement unit 115 which generates settlement information for withdrawing the amount paid from the one payment account.SELECTED DRAWING: Figure 2

A system for dynamically revising a merchant page by one or more processors communicatively coupled to webservers hosting merchant pages may be configured to receive from a webserver a transaction amount and a unique identifier of a user interacting with the page without an input of a credit card number of the user and without the webserver accessing the credit card number in a data storage, identify, using the unique identifier and without receiving personally identifiable information from the webserver, a user profile including at least one dataset corresponding to a credit card of the user, and upon identifying an attribute of an alternative payment option for the user based on the user profile, generate an instruction to the webserver to dynamically render the page by displaying at least one interactive element including the alternative payment option based on an indicator of the credit card of the user.

The challenge is that it is not possible to provide a convenient card payment service using crypto assets. [Solution] A program used in an information processing system consisting of a user terminal that can be operated by a user and a server, the program executing the following steps: a storage step in which the server stores crypto assets in a specified user wallet associated with the user; an allocation step in which the server assigns a settlement contract related to the payee to the specified user wallet; a settlement step in which, in response to receiving a request regarding a card payment made by the user terminal, the server makes a card payment to a card system provided by a card payment service provider; and a transfer step in which the server executes a process to transfer crypto assets corresponding to the card payment from the user wallet based on the settlement contract, without obtaining approval from the user for the withdrawal corresponding to the card payment.

1. The name of the product of this design: magnetic card holder. 2. Purpose of the product of this design: used to hold items such as banknotes and credit cards. 3. The design key point of this appearance design product lies in the shape. 4. The picture or photo that best illustrates the design points: Stereoscopic diagram 1.

A cybersecurity data loss prevention service stops users from stealing, or exfiltrating, sensitive data. An endpoint cybersecurity agent coordinates the installation of a browser extension. The browser extension adds content scripts to a web browser that monitor for exfiltration events. The exfiltration events represent a user's browser inputs (such as cut-n-paste or drag-n-drop) that can be used to exfiltrate usernames, passwords, credit card numbers, company secrets, and any other sensitive data. When the browser extension detects any exfiltration event, the browser extension intercepts and synchronously blocks the exfiltration event from the web browser. Moreover, the browser extension sends a duplicate copy of the exfiltration event to the cybersecurity agent for evaluation. If the cybersecurity agent determines that the user's browser inputs should have been allowed, then the browser extension is instructed to trigger the duplicate copy. The web browser thus asynchronously processes the user's browser inputs, albeit slightly delayed.

The embodiment of the invention provides a consumption scene preference prediction model training method and device, equipment and a medium. The method comprises the following steps: acquiring historical multi-dimensional information of a user; according to the historical multi-dimensional information, determining a consumption scene preference score of the user in a predefined consumption scene; screening out a target consumption scene with the maximum consumption scene preference score from the consumption scenes; constructing a model training sample according to the historical multi-dimensional information and the target consumption scene; and training based on the model training sample to obtain a consumption scene preference prediction model for consumption scene preference prediction. According to the embodiment of the invention, the marketing effect and the user satisfaction are improved, operation and resource configuration are optimized, precise marketing is realized, and numerous key scenes of credit card customer operation and marketing are covered.

A system for organizing tax information designed to assist a user with tax bookkeeping, tax form preparation, and electronic tax filing. The system links a plurality of personal and / or business accounts, credit cards, electronic calendars, and any non-profit accounts. These account records are continuously stored in a database of the overall system throughout a tax year and the system will access them and prepare a user's tax return by pulling the most current and correct tax forms from the IRS website using the account records. The prepared tax return is then filed directly or downloaded and shared with a tax professional for review. The system includes a non-transitory storage media having a plurality of instructions, data or programs used to operate the system and execute tax bookkeeping, tax form preparation, and electronic tax filing.

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.

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 a system for detecting the illicit use of a credit card on the basis of authorization data, in which a determination as to the illicit use is made by taking an action of a user not linked with the authorization data into consideration.SOLUTION: A payment management device for offering an electronic payment service to a user in cooperation with an application program which operates in a terminal device of the user, includes an acquisition unit that acquires, from the application program, operation information about an operation performed on the application program by the user, and a detection unit that detects a particular operation performed on the application program on the basis of the operation information. When detecting that the particular operation has been performed on the application program, the detection unit transmits information for recording the occurrence of the particular operation to a credit payment management device that manages a credit card recorded in the application program.SELECTED DRAWING: Figure 12

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.

Provided is an autonomous mobile vending robot for point-of-sale, last-mile delivery, card issuance and ticket issuance operations. The robot includes a secure storage compartment that is configurable for various applications. The secure storage compartment may be insulated and include a heating system or a refrigeration system for mobile vending and delivery of food or drink items. According to various embodiments, the robot may include sensors and a card reader configured to verify the identity and age of users to dispense restricted items (e.g., alcohol, tobacco, recreational drugs). For mobile card issuance operations, the storage compartment houses programmable credit / gift cards and card-writing components to activate and program the cards for dispensing to users. The storage compartment may house a secure printer and ticket paper for mobile issuance of lottery / raffle tickets.

The invention relates to a credit card fraud detection method based on an adaptive meta-aggregation strategy, and the method comprises the steps: distributing a working node for each subset divided in a credit card transaction data set in a meta-model, and initializing the weight of the working node and a local model parameter; independently carrying out model training on each working node in the training data based on a corresponding subset, accumulating historical gradient information by applying a momentum method, introducing an L2 regularization item and optimizing local model parameters by using an adaptive learning rate algorithm; the central node preliminarily updates global model parameters of the meta-model based on the local model parameters; aggregating the updated local model parameters of all the working nodes by adopting a weighted median aggregation method, and further updating global model parameters based on weighted median aggregation parameters; and inputting test data into the updated meta-model to obtain a credit card fraud prediction result. According to the method, the adaptive capacity and the detection precision of the model in a new fraud mode are remarkably improved.

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.

An online system receives financial account information for a user, such as debit card information, from a merchant system with which the user places an order. From the financial account information, the online system selects a virtual credit card providing one or more rewards, such as cashback, to the user. Based on characteristics of the order by the user, the online system identifies one or more offers, such as discounts or rebates, applicable to the order. The online system provides the virtual credit card information to the merchant system and stores the virtual credit card information, as well as information describing one or more identified offers for the order in association with the user and the virtual credit card, in an account maintained for the user. Rewards may be stored in the user's account at the online system for application when using the virtual credit card associated with the user.

The invention belongs to the technical field of financial industry transaction fraud detection, and relates to a self-adaptive label sensing graph neural network credit card fraud detection method, which comprises the following steps: acquiring credit card transaction data and inputting the credit card transaction data into a trained credit card fraud detection model to obtain a fraud detection result; the training process of the fraud detection model comprises the following steps: obtaining a credit card transaction record data set to construct an initial multi-relation heterogeneous graph; inputting the initial multi-relation heterogeneous graph into a plurality of graph aggregation layers which are sequentially connected in series; inputting the node features output by the last graph aggregation layer into a classification module to obtain a fraud detection result; updating model parameters according to a fraud detection result until a training credit card fraud detection model is obtained; according to the method, node features are aggregated for each relationship by using a graph attention mechanism in a graph aggregation layer, and different types of neighbors are further processed by using a conversion module, so that the nodes adaptively adjust information aggregated from the neighbors with different sex and the neighbors with same sex, and the capability of credit card fraud detection tasks is improved.

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.

The invention belongs to the technical field of financial industry transaction fraud detection, and relates to a residual aggregation enhanced neighborhood graph sampling credit card fraud detection method, which comprises the following steps: acquiring credit card transaction data and inputting the credit card transaction data into a credit card fraud detection model to obtain a fraud detection result; the training process of the credit card fraud detection model comprises the steps of obtaining credit card transaction data and constructing a multi-relation heterogeneous graph; inputting the multi-relation heterogeneous graph into a plurality of graph aggregation layers which are sequentially connected in series to obtain a multi-relation heterogeneous graph output by each graph aggregation layer; the node features of the multi-relation heterogeneous graph output by each layer are input into a shallow layer residual error aggregation module, and final node features are obtained; inputting the final node feature representation into a classification module to obtain a fraud detection result; updating model parameters according to a fraud detection result until a trained fraud detection model is obtained; according to the method, the node features are updated under each relation type in the graph aggregation layer, and the neighbor information of the node features in various relation types is fully utilized.

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.

To provide a card issuance application system capable of improving the performance of issuing credit cards to people who are qualified to hold credit cards. [Solution] A card issuance application system 1 allows an applicant to apply for the issuance of a credit card from a terminal connected via a network. The system includes a basic information acquisition unit 21 that prompts an applicant terminal 4 to input basic information for screening, a first screening instruction unit 23 that instructs the implementation of a first screening based on the basic information, and an additional information acquisition unit 24 that prompts the applicant terminal to input additional information when the result of the first screening indicates that a rescreening is required.