63 results about "Debit card" patented technology

A third verification factor is introduced into the two-factor authentication process, thereby establishing a robust three-factor authentication system. Specifically, a One-Time Password (OTP) that is typically generated for authentication purposes undergoes an additional layer of security by utilizing the OTP in a data authentication scheme of a user's chip-enabled credit, debit, banking, or similar card. An enhanced OTP generator sends the OTP to the card, which encrypts either the OTP or a value derived from the OTP (e.g., such as a hash of the OTP) with a cryptographic key associated with the card to create an encrypted authentication token. The encrypted authentication token is then provided to the authenticating party. Also described is an enhanced OTP generation device in the form of a passbook.

The disclosure includes a system and method in which one or more virtual resources are presented to a secure element; and the one or more virtual resources are mapped to available resources based on a model architecture for the secure element in order to provide hardware abstraction, the available physical resources varying based on the model architecture and an associated host device, the virtual resources allowing consistent interaction with the virtual resources regardless of variation in the physical resources available and their location. The hardware abstraction increases the versatility of the secure element and may contribute to the secure element's functionality. The secure element providing functionality to replace most items carried in an individual's pockets, e.g., logical and physical keys, a thumb drive, identification, credit and debit cards, etc.

In a method of preventing fraudulent online financial transactions, a request to authorize an online, financial transaction may be received, where the transaction is associated with a debit or credit card account. A computing device at which information associated with the debit or credit card account was entered for the transaction may be identified, and a first geographic location at which the computing device resides may be determined. Based upon geolocation data indicating one or more geographic locations of the authorized cardholder, it may be determined that the authorized cardholder was at a second geographic location at a time of the transaction. If the second geographic location does not correspond to the first geographic location, the financial transaction may be prevented from being executed.

A system and method for conducting secure debit and credit card electronic financial transactions involving NFC card reading using a computer device includes the steps of identifying, by a computing system, a first payment source account held by a card holder; receiving, by computing system, transaction data associated with a transaction initiated by the cardholder with a merchant using the first payment source account, the transaction having a transaction amount; requesting, by a computing system, via a first network a first transfer of the transaction amount from the first payment source account within a predetermined time; determining a card status; storing the meta data associated with the transaction in a database wherein the meta data includes at least the card status; if the card status is card-present status, converting the card-present status into card-not-present status by virtue of the NFC card reading process using a computer device having an NFC card reading capabilities; and transferring the transaction amount to pay the merchant.

Various exemplary devices, systems, and methods relating to a payment management system for an electric vehicle (EV) charging station are provided. In general, an EV charging station controller is configured to control an operation of the EV charging station and initiate an EV charging transaction upon receiving an indication of approval of payment for delivery of electrical charge from the EV charging station using a credit card or a debit card via a point-of-sale (POS) terminal. In another embodiment, the EV charging station controller is configured to initiate an EV charging transaction upon receiving an indication of approval of payment for delivery of electrical charge from the EV charging station using a loyalty card via the POS terminal. The loyalty card can be associated with customer payment information locally stored in a database of the EV charging station.

A gift card system and method for purchasing both physical and digital gift cards at a kiosk, both physical and virtual, is disclosed. The system / method includes a gift card distribution kiosk located at a retail establishment or online that provides a user with access to a multitude of different forms of gift cards that may be purchased and printed onto a customizable card with a personalized message. The kiosk includes a kiosk processor interface, a gift card dispenser, a card reader and gift card management server connected to a network. The gift card management server, through the kiosk processor interface, provides vendor options to users to select and pay via the card reader. The kiosk may be used to redeem unused user gift cards for a reduced value user selected gift card, reduced cash value, full value store card, rewards points, bank debit, and / or electronic code user towards online purchases.

A proxy card used at an ATM, or at any vendor store, that has a legacy point of sale unit or at a store with the smart point of sale. In general, it can be used with any vendor and otherwise as any credit or debit card might be used. The point-of sale unit interacts with a multi-source processing system (MSPS) that, instead of servicing a single money source, interacts with more than one of a plurality of monetary sources that may be associated with the proxy card. The money transferred from credit or debit accounts of the user may be either transferred directly or indirectly via a proxy central account associated with the MSPS that a user maintains.

A system which allows credit or debit transactions to round up to a designated amount for investments. Cash back rewards, or a dollar amount from debit and credit card transactions are routed to the accumulating account, and one time or recurring debit card transfers to the accumulating investment account. The round up sum is then used to invest in precious metals, stocks, bonds, crypto, ETFs and the like.

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 present invention relates to a method for initialising an electronic payment terminal (2) of a merchant, which method requires a 'domiciliation' (direct debit) card storing the merchant's identification information, the method being characterised in that it comprises the steps of: (a) receiving, by a server (3) comprising data storage means (32) storing the merchant's identification information uniquely associated with a mobile terminal (1) of the merchant, which server is connected, via a communication network (20), to the electronic payment terminal (2) and to the mobile terminal (1), a request to initialise the electronic payment terminal (2); (b) transmitting data required to initialise the electronic payment terminal (2) to the mobile terminal (1); (c) transmitting a message containing the data required to initialise the electronic payment terminal (2), from the mobile terminal (1) to the electronic payment terminal (2) via a proximity communication channel; (d) initialising the electronic payment terminal (2) using the received data.

The invention provides a card binding method, a payment method, a device, a system, equipment and a medium, and relates to the technical field of electronic payment. Comprising the steps that a card binding request of no-card payment is received, and the card binding request comprises a bank card number and a card binding mobile phone number; determining a bank card category corresponding to the bank card number according to the bank card number; if the bank card type is a debit card, obtaining at least one first reserved mobile phone number; matching the card binding mobile phone number with the at least one first reserved mobile phone number; if the card binding mobile phone number is one of the at least one first reserved mobile phone number, calling the debit card assembly to verify the bank card number; if the bank card category is a loan card, calling a loan card assembly to verify a bank card number and a card binding mobile phone number; and under the condition that both the bank card number and the card binding mobile phone number pass verification, a card-free payment protocol is generated and stored, and the card binding success rate of card-free payment can be improved.

A box 1 for a card, such as a credit or debit card, comprise a receptacle 3 for receiving a card; a processor for releasing the card and / or performing a transaction using the card in dependence on the

A technique for managing verification data, such identity information, membership information, and personal information, and the like, is provided. The verification data management system may receive an indication of a transaction and select a combination of a transaction card, such as a credit card, debit card, and the like, and / or multiple types of verification information for executing the transaction. Further, the verification data management system may generate a transaction output, which may include causing a display to display a graphical user interface that informs the user of the selected combination.

In a method of preventing fraudulent online financial transactions, a request to authorize an online, financial transaction may be received, where the transaction is associated with a debit or credit card account. A computing device at which information associated with the debit or credit card account was entered for the transaction may be identified, and a first geographic location at which the computing device resides may be determined. Based upon geolocation data indicating one or more geographic locations of the authorized cardholder, it may be determined that the authorized cardholder was at a second geographic location at a time of the transaction. If the second geographic location does not correspond to the first geographic location, the financial transaction may be prevented from being executed.

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.

Techniques and architecture are described for integrating radio frequency identification (RFID) reader functionality into mobile communication devices, e.g., smartphones. By integrating RFID reader functionality into smartphones, which already have much of the RF equipment (transmitter, receiver, (transceiver), antenna), processing power, and connectivity needed as a self-contained, contactless-enabled, RFID terminal, prior art RFID terminal peripherals would become unnecessary. For example, integrated RFID terminal capabilities in smartphones may be used to conduct mobile contactless transactions, such as by tapping a credit card or debit card on the smartphone screen, much like when making purchases in stores today.

The present application relates to systems, methods and automated transaction machines for performing automated transaction machine transactions. A method for performing a cardless ATM transaction includes the steps of: inputting, using a personal computing device, a plurality of data sets for creating a mobile wallet data set, wherein the inputted data sets include: i) a personal debit card data set including personal debit card data; and ii) a personal information data set including personal information data; pre-boarding an ATM transaction by using the personal computing device configured to pre-board the ATM transaction.

A method for authenticating the identity of a user who is attempting to access a website or conduct a transaction is described. The method involves receiving two geographical locations, and associated time stamps, of a mobile phone associated with the user, one of the locations being the location of the transaction or access attempt. The method determines whether the speed required to travel between the two geographical locations in the elapsed time is within acceptable limits. A confidence score, derived in part from this calculation, is taken into account when deciding whether to allow or deny the access or the transaction.

The invention provides a debit card cash withdrawal risk troubleshooting method, system, device and medium, the method comprises the following steps: collecting multi-dimensional data, including client information in the system, account information in the system and public security push data, the public security push data including involved person information, potential perpetrator information and potential victim information; adaptively adjusting a risk triggering threshold according to public security push data and the adjustable interval; when the counter or non-counter transaction data is obtained and a risk triggering threshold value is reached, automatically starting a risk assessment mechanism, performing risk assessment on the current transaction, and outputting a risk assessment result; the risk assessment result is pushed to a counter system or a handheld device of a non-counter manager, and the situation that the risk reaches a preset risk level is reported to a public security system; and auditing the risk business and the submission condition every day. According to the invention, automatic risk investigation and early warning can be realized, a problem account can be found in time for tracking and intervention, and personal account security is guaranteed.

A system and method for conducting secure card-present debit and credit card electronic financial transactions involving no swiping or inserting or imprinting a card are provided. The method includes identifying, by a computing system, a first payment source account held by a card holder; receiving, by computing system, transaction data associated with a transaction initiated by the card holder with a merchant using the first payment source account, the transaction having a transaction amount; requesting, by a computing system, via a first network a first transfer of the transaction amount from the first payment source account within a predetermined time; determining a “card-present” status; storing the meta data associated with the transaction in a database wherein the meta data includes at least the card-present status; and transferring the transaction amount to pay the merchant.

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.

1. The name of the design product: dynamic graphical user interface for displaying the progress of financial card production of electronic equipment. 2. The use of the design product: for an electronic device. 3. The design points of the design product: in the graphical user interface. 4. The picture or photo that best indicates the design points: interface change state diagram 11. 5. The use of the graphical user interface: the present graphical user interface is used to view the production process display of bank credit cards, debit cards and other financial products. 6. The human-computer interaction mode of the graphical user interface: the main view is the state diagram of starting card production of the electronic device, and the interface change state diagram 1-11 is the dynamic change effect diagram of displaying the production progress.

The disclosure includes a system and method in which one or more virtual resources are presented to a secure element; and the one or more virtual resources are mapped to available resources based on a model architecture for the secure element in order to provide hardware abstraction, the available physical resources varying based on the model architecture and an associated host device, the virtual resources allowing consistent interaction with the virtual resources regardless of variation in the physical resources available and their location. The hardware abstraction increases the versatility of the secure element and may contribute to the secure element's functionality. The secure element providing functionality to replace most items carried in an individual's pockets, e.g., logical and physical keys, a thumb drive, identification, credit and debit cards, etc.

A proxy card used at an ATM, or at any vendor store, that has a legacy point of sale unit or at a store with the smart point of sale. In general, it can be used with any vendor and otherwise as any credit or debit card might be used. The point-of sale unit interacts with a multi-source processing system (MSPS) that, instead of servicing a single money source, interacts with more than one of a plurality of monetary sources that may be associated with the proxy card. The money transferred from credit or debit accounts of the user may be either transferred directly or indirectly via a proxy central account associated with the MSPS that a user maintains.

A technique for managing transaction data, such as universal cards to manage transactions or financial goals of a user, and the like, is provided. The transaction data management system may receive an indication of a potential transaction and select a transaction card, such as a credit card, debit card, and the like, for executing the transaction. Further, the transaction data management system may generate a transaction output, which may include cause a display to display a graphical user interface that informs the user of the selected transaction card, recommends a card to sign up for, and / or generates an indication of financial benefits associated with the selected card.

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.

Various embodiments of systems and methods for direct depositing funds (e.g., consumer coin value, paper cash value, etc.) into an account at a bank or other financial institution are disclosed herein. In some embodiments, the systems and methods described herein enable a consumer to pour a batch of loose coins into a coin counting kiosk and have the coin value deposited directly into one of the consumer's accounts at a financial institution (e.g., a debit card account, credit card account, savings account, checking account, etc.) by swiping their bank card through (or inserting their bank card into) a card reader at the kiosk and selecting the desired transaction.

The invention discloses a debit card marketing method, a debit card marketing device, debit card marketing equipment and a computer program product. The debit card marketing method comprises the following steps: acquiring multi-dimensional information of a single-side credit card customer; according to the multi-dimensional information and the multi-dimensional portrait condition of the high-potential customer group, identifying the high-potential customer group in the unilateral credit card customers; and for the high-potential customer group, a preset debit card marketing strategy is utilized to carry out marketing reaching so as to drive a single-side credit card customer to be converted into a double-card customer, and the preset debit card marketing strategy comprises a product reaching strategy and a channel reaching strategy. According to the method, the multi-dimensional information of the unilateral credit card customers is acquired, the high-potential customer groups are accurately identified, and the preset debit card marketing strategy is used for targeted marketing, so that the effect of marketing activities is improved, the individual requirements of different customer groups are better met, the conversion rate of the unilateral credit card customers is improved, and the marketing efficiency is improved. And therefore, the comprehensive use degree and loyalty of the customer on bank products can be improved.

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

Disclosed is a secure finger sensing contactless card developed to prevent unintentional and unannounced withdrawals from contactless credit card and contactless debit card users and to protect users from suffering unwanted situations such as theft. The secure finger sensing contactless card provides users with a safe use during shopping since the contactless credit cards and contactless debit cards do not make payment unless they detect the fingerprint of the person.