146 results about "Debit card" patented technology

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.

A bank account can be authenticated or confirmed by a user providing an account number and a debit card number. The payment provider then obtains user account information from the bank through a debit card network. The payment provider authenticates the account if the account numbers match. In another embodiment, authentication further requires a portion of a current bank balance in the account provided by the user to match the current balance received from the bank.

A system and method for extending a firm offer of credit without regard to the credit risk profile of the credit applicant is disclosed. Using seller-defined and / or system and method provider configured business rules and related payment computations, the system derives a series of initial payments representing a “down payment.” After the down payment is collected, the goods or services are delivered. The purchaser may elect upfront from a plurality of payment options, including the automatic collection through recurring pre-authorized electronic funds transfers to a deposit account or via authorized and settled credit or debit card authorization(s). A purchaser using either of these options has the option, upon receipt of the goods or services, to pay the remaining balance through the continuation of electronic funds transfers or, at any point prior to completion of payments using a “one-time authorized amount for the balance due” alternative form of payment like cash, credit or debit card, to pay off the remaining balance.

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.

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.

Systems and methods discussed herein relate to a system for detecting and preventing fraudulent transactions through collecting requests for website access, stored-card trades and sales, and transactions using physical or electronically issued credit, debit, stored-value, and other cards. The fraud detection system not only flags individual transactions, but is also configured to dynamically track and update banned / watch lists associated with request artifacts and cards in order to catch and prevent individual actors as well as BOTs, at least by adjusting the thresholds used to evaluate risk scores and what is placed on the banned / watch lists based upon requests received as well as information from financial institutions, merchants, government agencies, and watchdog groups. The system is also configured to provide information to those groups.

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.

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.

To provide a method for improving embedded card reader security.SOLUTION: Provided is a method that includes temporally and / or spatially separating personal account number (PAN) data read from a payment instrument such as a credit card or debit card from personal identification number (PIN) data utilized to complete a payment transaction. Temporal separation includes removing the PAN data from a merchant device 102 before requesting the PIN data. Spatial separation includes utilizing trusted execution environments, separated embedded card reader (ECR) applications, intermediary applications, and / or trust routines of trust applications to enable different components of a merchant device and / or components of other devices and systems to handle the PAN data and the PIN data.SELECTED DRAWING: Figure 1A

To provide a novel unmanned sales system for reducing burdens of introduction in introduction destinations such as stores where neither vending machines nor ticket vending machines are installed or stores where either one is installed.SOLUTION: A settlement method of an unmanned sales system with printing means allowing a user to replenish paper without opening an outer door provided in a housing, employs any one type or more of settlement means of: settlement processing means using coins inserted into the unmanned sales system; settlement processing means using money bill inserted into the unmanned sales system; settlement processing means using electronic money cards; settlement processing means using smartphone applications; settlement processing means using a communication function with smartphones; settlement processing means by debit cards; settlement processing means using image codes; settlement means having electronic functions; settlement means using settlement permission cards; and settlement means using settlement permission coins.SELECTED DRAWING: Figure 1

A system for an expandable trading platform that includes the following: a core module for commerce, configured for managing product catalogs, shopping carts, order processing and customer profiles; a service-oriented architecture (SOA) configured to enable the integration of third-party applications and services via modular APIs and plug-in frameworks, allowing the platform to be dynamically adapted and extended without interrupting ongoing operations; a payment gateway integration module configured to support multiple payment methods, including credit / debit cards, digital wallets, and cryptocurrencies; a customer relationship management (CRM) module configured for managing customer profiles and automating marketing campaigns; an analytics module for artificial intelligence (AI) and machine learning (ML) that is configured to provide personalized recommendations and predictive analytics based on customer behavior; a blockchain-based transaction ledger configured for secure and transparent transactions; an omnichannel integration module configured to synchronize product information, orders and customer data across webshops, mobile applications, social media platforms and physical stores; a marketing and advertising module for managing discounts, loyalty programs and personalized offers; a data analytics module that provides real-time insights into sales performance, customer retention, and operational efficiency; and a security and compliance module for implementing data encryption, two-factor authentication, and compliance with global data protection regulations.

The invention relates to the technical field of big data, and particularly discloses an account conversion method and device, computer equipment, a computer readable storage medium and a computer program product. The method comprises the following steps: determining a plurality of target cash households to be processed, and adding the target cash households to a change list; respectively acquiring account types of the target cash owners; determining a management strategy of an account service according to the account type of the target cash account; the management strategy of the account business is used for indicating business rules of all account businesses of the target cash account; based on the change list, automatically converting the target cash households into convergent households in batches to obtain converted convergent households; and according to the management strategy of the account business, changing the converted business rule of the convergent account, so that the converted convergent account is compatible with the business rule of the cash account. Therefore, the conversion efficiency of the account can be remarkably improved, a foundation is laid for integrated management of the cash account and the exchange account, the management process of the private deposit account and the private debit card account is optimized, and the risk during business processing is reduced.

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.

1. The name of the product of this design: Bank Card (National Style Series). 2. Purpose of the product of this design: used as a credit card, debit card or savings card, etc. 3. The design key point of this appearance design product lies in the combination of shape and pattern. 4. The picture or photo that best illustrates the key points of the design: main view. 5. This appearance design product is a thin product, and the left view, right view, top view and bottom view are omitted.

The invention discloses a credit card recommendation method and device, electronic equipment and a computer readable storage medium. The method comprises the following steps: acquiring multi-dimensional customer data of debit card stock customers through a first business channel of a financial institution; credit card customer group information is obtained through a second business channel of the financial institution, the credit card customer group information comprises credit card customer group classification information and a credit card recommendation strategy corresponding to each credit card customer group, and the first business channel and the second business channel are different business channels of the financial institution; determining a credit card customer group to which the debit card stock customer belongs according to the credit card customer group classification information and the multi-dimensional customer data; and obtaining a credit card recommendation strategy corresponding to the credit card customer group, and recommending a credit card to the corresponding debit card stock customer according to the credit card recommendation strategy corresponding to the credit card customer group.

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.

Various embodiments are generally directed to techniques to facilitating delivery of a package or sensitive item to a user, where the package or sensitive item can be a credit card or debit card. Various techniques, methods, systems, and apparatuses include utilizing one or more factors for determining an optimal delivery location or path in relation to the user obtaining the sensitive package or item. Various embodiments can provide the user or the delivery courier with an interface that maps or otherwise indicates, by a color-scheme or other suitable scheme, one or more of demand and availability of the sensitive item or package in relation to a receiving or delivery location, where in various embodiments, the mapping or scheme associated with demand and availability can be based in whole or in part on the one or more factors associated with optimal delivery.

Credit Cards, Debit Cards, Bank Cards

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

The present invention relates to a device and method for carrying out financial transactions, wherein the device is provided with means that allow said financial transactions to be carried out by reading cards, such as credit and debit cards. The device of the present invention has a compact design, resulting in a lower production cost and less use of materials, making said device and associated method of financial transactions more advantageous. The device of the present invention remains in the ownership or possession of a user / buyer and is configured to guarantee interoperability with different merchants and acquirers via electronic means. The method of the present invention is especially adapted to the device and allows financial transactions to be carried out using said device on e-commerce or financial institution applications or websites.

Credit Cards, Debit Cards, Bank Cards

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.