37 results about "Debit card" patented technology

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.

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 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

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 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.

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.

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.

Systems and methods that utilize a pre-paid account associated with a pre-paid debit card to offer just-in-time funding to access funds maintained in one or more gaming establishment accounts associated with a user.

A payer initiates a payment transaction of a certain dollar amount through a user interface provided by their bank. The bank generates a hyperlink associated with the payment transaction. By managing a state of the transaction, the hyperlink can be given an expiration time and / or a counter of visits. The hyperlink is sent to a payment recipient in a text message or email, either by the payer or by the bank. Upon following the hyperlink, the recipient can enter their own debit card information to receive the money transfer to their debit account, without the need to set up an account login or account. A notification mechanism, such as a broadcast stream of payments, can be employed to inform different entities (such as those recording property payments or utilities payments) that a payment was made to the payment recipient.

Systems and methods that synchronize account restrictions between gaming establishment accounts and / or a gaming establishment account and a payment instrument, such as a debit card, employed to access funds associated with the gaming establishment account.

To provide funding mechanisms and alternatives for users while at gaming institutions, a coordinated communication system and mechanism allows for interaction with a virtual bank. This coordination will allow users to potentially request additional credit, or additional fund advances as desired or necessary. Because this request is being carried or handled by a virtual bank, nearly instantaneous credit decisions can be made using existing mechanisms and processes. In the manner much the same as any banking transaction, the financial institution itself with have access to credit information provided by the user, thereby allowing the creation of virtual credit accounts such as instant issue debit cards, or instant issue funds advances. Since the system allows for this secure communication, efficient and effective financial transactions can be easily completed.

The system enables one to securely recycle an electronic device in a publicly accessible location. In particular, the embodiment described may be used by a mobile phone owner to submit his / her mobile phone for recycling via an electronic kiosk and receive compensation in some form. The compensation might be dispersed via cash, voucher, credit or debit card, or other magnetic or electronic transaction methods.

Wallets for cryptocurrencies and other digital currencies combine multiple digital currency accounts into a wallet and manage multiple other wallets. The accounts include accounts for different cryptocurrencies, different distributed finance accounts, different credit or debit cards, and different bank accounts. Multiple other wallets may be managed from a master wallet with more limited instances of the accounts, rules for authorization, wallet activation, location tracking, copying, and destruction rules under control of specific wallets managed ultimately by the master wallet. These capabilities fit in secure storage devices for cold hard storage of the master. Different wallet copies are distributed for other cold hard storage, hot hard storage, cold soft storage or hot soft storage instances of these children wallets. With multiple wallets sharing subsets of functionality with respect to different wallet accounts, the usability, security, privacy, and versatility of wallets for digital currency is greatly improved over existing wallet offerings.

A point-of-sale (POS) transaction routing system and method for real-time electronic fiat currency payments without cryptocurrency conversion includes a POS interface with biometric scanner for receiving fiat instruments (credit / debit card, ACH, wire) and capturing fraud-preventive data; an API / middleware for routing transactions across blockchain for on-chain validation; a payment gateway for hashing and recording metadata on the ledger; and a smart contract-based settlement mechanism delivering fiat to merchant wallets in sub-seconds. The blockchain serves as a low-latency validation / settlement layer, integrating biometrics for security, bypassing traditional delays without crypto exchange, and minimizing batch processing delays through real-time, individual transaction routing.

A system and method for generating virtual financial accounts that may be used to consummate transactions when the mobile device is off-line. The virtual financial accounts are generated in mobile devices that are associated with financial institutions. The financial accounts may be credit card or debit card accounts. Each attempted financial transaction by the mobile device is treated as a unique event. An app running on the mobile device calculates a risk score for the attempted transaction based on factors such as GPS location and typical spending patterns for the financial account, and then approves or denies the transaction. In some cases, biometric verification devices (such as fingerprints, facial recognition or voice recognition) may be used by the app to further authenticate the transaction.

Systems and methods that enable indirect fund transfers between a gaming establishment account and an external account accessed in association with a payment instrument, such as a debit card.

Having an option for credit card users, at the time of sale, when paying with credit or debit card, to have the store receipt included with, their monthly statement and / or emailed to the email address(es) attached to their financial institution account, the method is comprised of a point-of-sale system that registers goods and / or services, comprising a receipt, and the credit card number of user, the point of sale systems sends data to the credit approval system, upon approval the point of sales information is either sent immediately to the server associated with the credit card, or is sent to who a local server who later sends the data to appropriate credit card server, the credit card server sends the data to the credit card's financial institution who saves the receipt under the credit card user's account, and then includes the receipt in the credit card users statements.

Shoppers install a software app on a mobile device and create a user profile. The shopper scans a fingerprint using a fingerprint sensor. Scanned fingerprint data is wirelessly transmitted to the shopper's mobile device for re-transmission over the Internet for storage in a secured server. The shopper can add payment methods (credit cards, debit cards, etc.) to the user's profile. Participating merchants registered with the payment system provide a fingerprint sensor at the point of sale. A shopper transacts purchases at a merchant's location by placing a finger on the fingerprint sensor. Scanned fingerprint data is transmitted over the Internet to confirm the identity of the shopper, and to complete the transaction. A shopper makes purchases online using the installed software app. Participating merchants integrate APIs with existing e-commerce platforms, allowing merchants to charge and / or request access to user payment accounts.

1. Name of the product in this design: Bank Card. 2. Intended use of this design: as a bank card, such as a credit card or debit card. 3. The key design feature of this product is its pattern. 4. The picture or photo that best illustrates the key design points: Design 1 front view. 5. This design is for a thin product, and the left, right, top, and bottom views of each design are omitted. 6. Design 1 is designated as the basic design. 7. Other situations requiring explanation: Other explanation: "8" in the view indicates a number or symbol content area. The white areas in the view represent the variable content of the screen.

The invention provides a transaction quota dynamic adjustment method and device, equipment, a medium and a product, and relates to the technical field of big data and internet finance. The method comprises the following steps: obtaining transaction limit data through branch data, customer group label type data, debit card limit limit type data, risk level source data, risk level data and a pre-training transaction limit dynamic adjustment model; obtaining effective transaction quota data according to the transaction quota data; obtaining account data corresponding to the specified risk level data according to the effective transaction quota data; according to the account data and the pre-trained neural network model, obtaining intra-row limit and limit-order type parameter values; customer group information is obtained through the account data and a pre-stored database; obtaining a corresponding rod lifting quota according to the effective transaction quota data, the parameter value and the customer group information; when the actual transaction amount exceeds the parameter value, whether a corresponding rod lifting limit exists or not is judged; if yes, taking the rod lifting quota as a transaction quota; and if not, taking the parameter value as the transaction limit. And refined management and control can be carried out on a specific business scene.