309 results about "Electronic money" patented technology

When the encrypted content is provided from a service provider to a user device, a usage log including information of the content usage fee is created in the user device. The created usage log is then sent to the service provider. The service provider compares the content usage fee in the received usage log with a predetermined threshold. If the content usage fee is found to exceed the predetermined threshold, the service provider requests a clearing center to inquire about the electronic money balance of the user. If it is determined that it seems difficult to collect money from the user, the transmission of a content key to the user is suspended. The clearing center also creates an issue log in which the effective period and an allowable amount of money spent by the user are set, and performs settlement processing only when the payment of the content usage fee has been made within the effective period.

A electronic monetary system comprising a mobile communication unit as an electronic wallet for transactions including electronic payments, money transfer, and recharging the electronic account. The security of the electronic transactions is confirmed by circulating a confirmation number through a loop formed by an E-wallet managing server through the wireless network to the mobile communication unit of the user.

The present invention includes: a current position determination unit (101) that determines a current position of a user; a facility candidate search unit (103A) that specifies, as a candidate for a visited place, a facility that is located within a predetermined area including the current position determined by the current position determination unit (101); an electronic money unit (108) and a payment amount calculation unit (104) that detect a payment amount of the user; and a most-likely visited facility identification unit (105A) that identifies a most-likely visited place by selecting from a plurality of facilities a facility corresponding to the payment amount detected by the electronic money unit (108) and the payment amount calculation unit (104), when the plurality of facilities are specified by the facility candidate search unit (103A).

A system for open electronic commerce having a customer trusted agent securely communicating with a first money module, and a merchant trusted agent securely communicating with a second money module. Both trusted agents are capable of establishing a first cryptographically secure session, and both money modules are capable of establishing a second cryptographically secure session. The merchant trusted agent transfers electronic merchandise to the customer trusted agent, and the first money module transfers electronic money to the second money module. The money modules inform their trusted agents of the successful completion of payment, and the customer may use the purchased electronic merchandise.

An electronic money management method and system using a mobile phone is provided, which can be applied to electronic transactions. Upon receiving a request regarding electric money such as issuance, recharging, transfer, or balance checking, together with a mobile phone number and a password, from a user, an ARS server, an electronic money management web server, or an mobile communication service system transmits an authentication number to the user's mobile phone, compares the transmitted authentication number with one received from the user, and transmits the password and phone number to make the request if the authentication numbers are identical. The electronic money management server fulfills the request regarding electronic money, received from the one server or system, for an electronic money account identified by the password and mobile phone number, and transmits the fulfilled result and the account balance to the mobile phone through the one server or system.

A system and method for transferring fungible electronic money is disclosed. The system and method include two or more Central Banks that guarantee the electronic money within an electronic communications network, the electronic money being an authenticated and fungible currency capable of electronic transfer. The system and method further include registering a first user within the electronic services network, registering a second user within the electronic services network, receiving a request from the first user to transfer at least a portion of the electronic money to the second user, and electronically transferring the at least a portion of the electronic money to a mobile device belonging to the second user in response to the request received from the first user, wherein the electronic transfer occurs within the electronic communications network.

Electronic currency consists of data in a form suitable to be stored in a user's data storage medium, comprising information on the data value, identification of each specific set of data or data point, and authentication information suitable to verify that said data has been generated by a specific Currency Issuing Authority (CIA). A method and a system for effecting currency transactions between two users over the Internet or other communication network are also described.

The present invention provides a network transaction security system and method. The monitoring module monitors user input in real time so that the judging module can judge in real time whether the currently visited website is a phishing website, and the prompt module quickly sends a vigilant prompt to the user and informs the unknown URL of the currently visited website. Report for review to update to the black and white list database, which improves the correct rate of identifying phishing websites and blocking access, and greatly reduces the probability of huge losses caused by theft of the user's online banking account. It is applicable to various bank cards, credit cards, and social security cards. Anti-phishing for online transactions such as game point cards, recharge cards, shopping cards and electronic money, with wide coverage, multiple notification methods and channels, and high timeliness.

The invention provides a contactless card application management system and a management method; the system includes an application and offline accountant management platform (1), a mobile payment platform (2) and a mobile terminal (4); the application and offline accountant management platform (1) is mutually connected with the mobile payment platform (2); the mobile terminal (4) is connected with the application and offline accountant management platform (1) through a contactless induce-identify device (3); the mobile terminal (4) accesses to the mobile communication network of the mobile payment platform (2). The invention adopts the wireless communication device as the electronic currency of various electronic payment platforms so that the defect of carrying large quantities of different IC cards is solved for the users; the consumption behavior of the users can be analyzed; the precision consumption information is delivered to the users according to the consumption behavior and the interests of the users, so as to provide precision marketing bidirectional service for the merchants and users and further promote the development of the electronic payment mode.

The invention provides a self-service vehicle renting management system and a self-service vehicle renting management method. The management system is based on technologies in terms of GPS (global positioning system)/GSM (global system for mobile communication) positioning systems, mobile communication systems, the internet, IC (integrated circuit) cards and the like. Self-service vehicle renting is realized by the aid of the management system and the management method, a user can use a user IC card stored with information including an identity card, a driving license, fingerprints and pre-stored fee to rent, transfer and return any vehicle in any one renting and returning (parking) lot within a network coverage range at any time and in any places, electronic money real-time settlement and any-time recharging are realized, and accordingly vehicle renting, returning and settlement are convenient, fast, safe and reliable. The self-service vehicle renting management method can be carried out nationwide, the user can rent a vehicle, return the vehicle, recharge and settle accounts in management centers of various cities only by the aid of the user IC card, and accordingly the vehicles are rented and returned highly freely temporally and spatially.

An electronic money system is directed to avoid unauthorized use of certificate-type electronic money. The electronic money system is provided with a management server, a verification sever, a remittance terminal, and a receptor terminal. In response to a request from the remittance terminal, the management server issues an inactive electronic certificate including a certificate ID and notifies the verification server of the certificate ID. The remittance terminal gives a group signature to the inactive electronic certificate to generate an active electronic certificate. The reception terminal verifies the active electronic certificate obtained from the remittance terminal on the basis of the group signature. The verification server matches the certificate ID notified from the management server with the certificate ID included in the active electronic certificate verified by the reception terminal to verify availability of the active electronic certificate.

A universal e-money system and corresponding method for financial transactions involving different online payment systems includes local brokerage accounts opened with each online payment system, and software modules programmed in a computer in communication with the online payment systems. The modules interface with a first online payment system to identify receipt from a user of the first online payment system of a first electronic money transfer to a first local brokerage account and credit a virtual account of the user with a related value of electronic money. The modules also interface with the user to receive a request to complete a payment to a vendor having an account on a second online payment system. The virtual account of the user is debited and the requested payment is effected within a second online payment system from the local brokerage account to the vendor account.

A computer-implemented method for processing a real-time money transfer with a screening payment network having a screening module communicatively coupled to a server computing device is provided. The method includes receiving a request to transfer funds from a payor account associated with an originating institution to a payee account associated with a receiving institution. The request includes money transfer data indicative of a payor's identifying information. The method also includes determining a sanction score based at least in part on the money transfer data, the sanction score indicative of the likelihood that the payor is on at least one sanctioned entity list. The method also includes transmitting the money transfer data and the sanction score to the receiving institution, and transmitting a response message to the originating institution, the response message indicating whether the receiving institution authorizes or denies the request to transfer the funds.

A voucher ticket system and method of use employing a bill validator installed into any suitable automated machine, including an Automated Teller Machine (ATM), a gaming machine, etc. The bill validator is integrated with a bill reader, a voucher ticket reader, a reader for acquisition of electronic voucher ticket information from a portable computing device, a printer, and other supporting peripheral devices. The voucher ticket system includes a secured communication link with a host account manager serving a plurality of electronic money accounts. The method includes steps of receiving a value of electronic money or identification information associated with the electronic voucher ticket with account information associated with the electronic money account and sending the received value of the electronic money or the identification information of the voucher ticket to an upper control section of the one of the gaming machine and the ATM for completion of a financial transaction.

An electronic system (1) is described to perform a purchase transaction of goods or services. The system includes a mobile electronic device (2) configured to receive (t₃) a second message (MSG2) carrying an authorization data field (AUT_D) dicating a valid or invalid authorization to use an electronic money for performing the purchase transaction, configured to store the content of the authorization data field into a non-volatile memory (160) inside the mobile electronic device and configured to transmit (t₅; t₇′) a third message (MSG3; MSG4′) carrying an electronic money identification data field (EM_ID) for indicating data identifying the electronic money used for performing the purchase transaction and carrying the authorization data field (AUT_D; AUT_D′). The system further includes a transaction server (4) configured to transmit (t₂) the second message (MSG2) carrying the authorization data field (AUT_D) and configured to receive (t₁₀) a fifth message (MSG5) carrying the electronic money identification data field (EM_ID) and carrying a bill amount field (BL_AM) indicating a bill amount to be paid for the selected goods or services and transmit (t₁₁) therefrom a sixth message (MSG6) carrying a settlement result field (RES_STL) for indicating if the value of the bill amount has been debited on the electronic money. The system further includes a Point-of-Sale device (6) configured to receive (t₆; t₈′) from the mobile electronic device the third message (MSG3; MSG4′) carrying the electronic money identification data field (EM_ID) and the authorization data field (AUT_D; AUT_D′) and transmit (t₉) therefrom the fifth message (MSG5) carrying the electronic money identification data field and the bill amount field (BL_AM), in case of a valid value of the content of the authorization data field.

Systems and methods are provided to provide enhanced business to business information within an electronic money exchange. Various types of information relating to a plurality businesses are collected from a variety of sources, including transaction information, rating information, offerings information and publicly available information, such as information from third-party websites. The collected information is analyzed to create various metrics that relate to business's reliability and creditworthiness and enhanced profiles are created for each of the plurality of businesses. Facilities are provided for querying businesses to search the enhanced profiles of the plurality of businesses using various search criteria and to establish relationships with selected businesses.

A user of a mobile phone photographs himself/herself, and sends a password to an authentication server. After the authentication server authenticates the user, the mobile phone stores the photographed image of the user in a memory accessible only by authentication software. When the authentication software detects a billing apparatus at the time the user makes a purchase, the image is read from the memory and displayed while an indicator is on. A store clerk can confirm whether the person carrying the mobile phone is the legitimate user by judging whether the face image matches the person and whether the indicator is on at the same time.