37 results about "Electronic purse" patented technology

Systems and methods for issuing and using dedicated tokens for rewards accounts are disclosed. In one embodiment, in a token service provider information processing apparatus comprising at least one computer processor, a method for issuing dedicated tokens for reward accounts may include: (1) receiving, from an electronic wallet, a request to provision a credit or debit-based token for a financial instrument and a dedicated reward-based token for rewards-based transactions associated with the financial instrument to an electronic wallet; (2) generating the credit or debit-based token and the dedicated reward-based token; and (3) providing the credit or debit-based token and the dedicated reward-based token to the electronic wallet and to the issuing bank.

A computer-implemented method includes: storing, by a payment application, payment device data including: first and second payment device identifiers and first and second wallet identifiers corresponding to first and second electronic wallets in which first and second payment device credentials of first and second payment devices are respectively stored; initiating a payment transaction with a merchant system; displaying the first and second payment device identifiers; receiving a user input from the user of the user device, the user input comprising a selection of the first payment device identifier; determining that the first electronic wallet includes the first payment device credentials of the first payment device; and facilitating a transfer of payment data between the merchant system and the first electronic wallet to initiate processing of the payment transaction.

The invention relates to an enterprise employee welfare issuing method and system, and belongs to the technical field of enterprise data management. According to the invention, the employees are divided into different subsidy personnel group lists according to the identity attributes of the employees, and the subsidy forms, subsidy quotas, subsidy use places and subsidy service lives enjoyed by the subsidy personnel group lists are determined, so that flexible and accurate configuration of subsidy crowds, subsidy standards, subsidy use places and subsidy service lives is effectively distinguished; and enterprise subsidy expenditure is effectively reduced, auditing risks are reduced, and transparent compliance management is realized. Meanwhile, for the virtual amount welfare fee, the electronic account is divided into an electronic wallet and an electronic coupon, and management and issuing of the virtual amount welfare fee are realized through association of the electronic wallet and welfare items and attribute setting of the electronic coupon, so that directional use and effective control of the virtual amount welfare fee are realized.

Computing devices and methods for facilitating electronic wallet payments using near field communication (NFC). In an example, the method includes receiving transaction information corresponding to a transaction and an identification of an electronic wallet payment application of an electronic wallet payment server from a point of sale (POS) terminal; sending the transaction information and the identifier of the electronic wallet payment application program to a server; establishing a uniform resource locator (URL) that addresses the server and identifies a first network resource that activates the electronic wallet payment application; generating, via a near field communication (NFC) tag controller, an NFC data exchange format (NDEF) message including the URL as a payload; and transmitting, via the NFC tag controller, an NFC signal corresponding to the NDEF message.

Embodiments of the present specification provide a kind of authorization of offline payment, offline payment, method and device for collecting money to offline device, the authorization method of offline payment is applied to server, comprising: when detecting that the current state of target electronic wallet account meets the preset certificate issue condition, obtain the wallet account information, current account balance and current credit information of target electronic wallet account;Based on current account balance and current credit information, determine the corresponding offline payment limit;Using server private key, sign the summary information, obtain electronic wallet signature, summary information includes, wallet account information, offline payment limit, signing time and effective duration;Based on summary information and electronic wallet signature, generate user certificate;User certificate is issued to the terminal device where target electronic wallet account is located, so that the offline account corresponding to target electronic wallet account can be based on user certificate within offline payment limit Offline payment.

A method for providing a product exchange voucher gifting service, according to the present invention, comprises the steps of: receiving an input of a query message including information about a product exchange voucher through an application pre-installed on a purchaser terminal; providing the purchaser terminal with a product list corresponding to the query message, which is output by inputting the query message into a query-response based artificial intelligence model; providing the purchaser terminal with a product site of a seller corresponding to a product selected from the purchaser terminal; receiving, from the purchaser terminal to a user terminal, a gifting input for a product exchange voucher; and issuing the product exchange voucher to the user terminal and a product right certificate corresponding to the product exchange voucher to an electronic wallet of the user terminal.

Systems and methods for data capture and verification of documents. One such system may include a processor configured to execute a verification system comprising initiation, collection, data extraction, contracting, data encryption, and authentication modules. Other such systems may include a software application comprising similar modules. The systems may further comprise disbursement modules, repository modules, and rewards modules. Further, the systems may be operative to create an electronic wallet configured to receive at least one asset. Moreover, some embodiments of the present invention include a method comprising receiving at least one instrument; extracting a first set of information from the same; generating at least one smart contract; encrypting the first set of information into the at least one smart contract; and verifying at least one individual's identity via a first verification step and a second verification step.

The invention relates to a smart electronic system for automatically managing and activating discounts during payment. The system is based on linking consumer data (such as national identification number, mobile phone number, and bank card or digital wallet details) to central databases of banking and non-banking offers and discounts. An authentication engine matches the consumer data to the databases, then a smart comparison module selects the best available discount. The discount is automatically applied to the payment at points of sale or in electronic payment portals, and the consumer is immediately notified of the discount applied. The system can be integrated with banks, digital wallets, communications companies, loyalty programmes and work places, and also comprises data protection mechanisms using encryption and multifactor authentication. The invention enables maximum benefit from discounts without manual intervention by the consumer, which enhances the payment experience and the effectiveness of commercial offers for banks and businesses.

A system for managing digital assets held by digital wallets is provided. The system comprises an electronic device and an electronic wallet application stored at least in the device that when executed enables minting of at least one customer logo or facial recognition Non-fungible Token (NFT) as directed by user entries. The system lists the NFT on a DebitMyData platform, receives a message that the NFT has been sold in a transaction, and validates and logs the transaction on a blockchain. The platform integrates facial recognition technology with a blockchain-based NFT advertising model to allow users to place logos on NFTs and videos for sharing on social media and mobile devices. The platform pays users a percentage of advertising dollars spent by corporate sponsors and advertisers who use logos placed on NFTs by the users. The application tokenizes personal data into NFTs which are manageable and tradeable on the blockchain.

A processor implemented method for agricultural lien management includes setting up an electronic wallet interface in an agricultural lien management system for a user associating the user with a particular lien; receiving an agricultural delivery from the user at an agricultural facility; sending a notice from the agricultural lien management system to a lender that the user has delivered the agricultural product to the agricultural facility and the agricultural product is bound by the particular lien, the agricultural facility obligated to make a payment for the agricultural product; receiving a directive from the lender to distribute the payment between the user and the lender in response to the notice; and sending instructions from the agricultural lien management system to the electronic wallet interface on where to send the payment in response to the directive from the lender.

A method comprises receiving a request to add a stored-value card to an electronic wallet via interpreting an intelligent code which directs a user to a URL for an electronic wallet website; prompting a user for credentials to enter the electronic wallet website; determining whether the stored-value card already exists in the electronic wallet; and adding the stored-value card to the electronic wallet. A system comprises a computer device to receive a request to add a stored-value card to an electronic wallet via interpreting an intelligent code which directs a user to a URL for an electronic wallet website; to prompt a user for credentials to enter the electronic wallet website, to determine possession of the stored-value card, to determine whether the stored-value card already exists in the electronic wallet, and to add the stored-value card to the electronic wallet.

Systems and methods for associating a proxy card with an electronic wallet are disclosed. A computer implemented method may include receiving an authentication information of a proxy card, and associating the proxy card with an electronic wallet, wherein associating the proxy card with the electronic wallet allows secure access to the electronic wallet when the proxy card is presented at a point of sale. A system may include a proxy card comprising authentication information, and an electronic wallet associated with the proxy card, wherein the association of the electronic wallet with the proxy card allows secure access to the electronic wallet when the proxy card is presented at a point of sale. A wallet redemption card may comprise a rewriteable magnetic stripe, a smart chip, a wireless communicator operably connected to the smart chip, and an interface operably connected between the rewriteable magnetic stripe and the smart chip.

The application provides a real-time payment transaction routing decision method and system based on an electronic wallet, relates to the technical field of data processing, and comprises the following steps: calculating the vertical distance from each evaluation point to the straight line of the strategy boundary corresponding to the benchmark routing strategy based on the comparison and analysis of the dynamic optimization trajectory and the benchmark routing strategy, obtaining the distance evaluation parameter, and obtaining the routing correction parameter based on the distance evaluation parameter; calculating the multi-dimensional transaction feature set and the preset routing rule set, combining the routing correction parameter, and generating an adaptive payment path instruction; performing a payment operation according to the adaptive payment path instruction, performing the verification and cancellation operation of the receivables and payables after the payment is successful, generating processing state information, feeding back the processing state information to the user end, and saving the execution process and result as an operation record. The application improves the transaction success rate and processing efficiency.

Systems and methods for distributed ledger-based identity management are disclosed. In one embodiment, a computer-based method for managing attestations may include: (1) receiving, by a computer program executed by an electronic device for an identity consumer and from an identity provider, a notification from an identity provider server that an attestation is available, wherein the attestation may be generated by the identity provider based on authorization from a system operator and may include a chain of trust comprising an identification of the system operator and the identity provider; (2) requesting, by the computer program, the attestation from the identity provider; and (3) downloading, by the computer program, the attestation to an identity consumer electronic wallet for the identity consumer. The identity provider may commit the downloading of the attestation to a distributed ledger, wherein the distributed ledger maintains a current status for the attestation.

A computer-implemented method for subscription authorization includes, in response to a subscription application initiated by a user in the target client, activating, by a software development kit, an intermediate page provided by a third party, where a subscription application is used to apply for authorization to bind a first account of the user in a target electronic wallet to a second account of the user in a serving party. To obtain a subscription request number, the intermediate page uses an intermediate server corresponding to the third party to initiate a subscription request to a system server corresponding to the serving party. The intermediate page initiates a first request carrying the subscription request number to a wallet client of the target electronic wallet, which initiates a binding request to the system server, triggers the system server to interact with the wallet server, and completes the binding request.

The block chain-based electronic wallet driving method of the electronic wallet system is characterized by comprising the following steps that: sender equipment transmits assets from an encrypted asset account of a sender to a token manager of a management device through the Internet; after a consensus confirmation process is carried out in the management device, the token manager transmits a mother token to the sender equipment through the Internet; the sender device is endowed with the authority of the mother token and generates at least one child token having a value lower than that of the mother token; any sub token is transmitted from the sender device to a receiver device through a short-distance wireless communication network; the receiver device transmits the sub-token to the token manager through the Internet, and the token manager searches the mother token for the sub-token, deletes the mother token on the block chain, and redistributes the authority of the mother token to the sub-token; and transmitting assets to an encrypted asset account of a receiver after the token manager performs a consensus confirmation process for the sub-token.

The present invention relates to a method for processing a digital transaction comprising: receiving, by an issuer system in electronic communication with a smart contract, a transfer notification comprising a user's public blockchain address associated with the user's electronic wallet, a service provider's public blockchain address associated with the service provider's electronic wallet, and a transaction amount;the issuer system in electronic communication with the smart contract receiving the x first token(s) corresponding to the transaction amount from the user's electronic wallet and sending the transaction amount in form of an amount of y second token(s) corresponding to the transaction amount to the service provider's electronic wallet.

The invention relates to conducting financial transactions using fiat currencies as payment. In the claimed method for conducting financial operations, a secure electronic file containing encrypted information, including information about the nominal value of the money promised by the secure electronic file and information about a principal financial organization and a financial organization, is transmitted from an electronic wallet of one user to an electronic wallet of another user either in an online mode via the Internet, with authentication at the level of the user, the financial organization and the principal financial organization, or in an offline mode by a wired or wireless transmission of data from an electronic device of the one user to an electronic device of the other user, with authentication at the user level. Upon subsequent connection to the Internet, authentication is carried out at the level of the financial organization and the principal financial organization. The invention makes it possible to conduct secure payments in both online and offline modes.

A software development kit(SDK)allow a user to be able purchase a gift card through an offer wall and, in return, the user can receive a reward in game currency,such as coins, diamonds, tokens or the like. Most mobile apps offer their users a way to purchase coins, diamonds, tokens, or the like, which is also known as an in-app purchase. The gift card offer wall can allow the game player to purchase a gift card from a choice of vendors, and, in return, obtain the desired game currency as a bonus. The system can include three elements-the SDK for various platforms, an electronic wallet application and servers that communicate with both the SDK and the wallet application. The SDK is something that the app publisher can add to their own mobile application that will launch the gift card offer wall for the user.

According to an embodiment of the present disclosure, a security control system for protecting and authenticating identity information may include threshold signature parties including a user terminal configured to drive an electronic wallet, a trusted third party (TTP) server, and a backup server, and the user terminal may generate, through the electronic wallet, a private key of a user as a distributed key including a plurality of key shares according to a threshold signature technique, and store one of the generated key shares in the user terminal and transmits the other key shares to the TTP server and the backup server.

Embodiments of the present application provide a tax payment automatic processing method and a bank system. The method comprises: paying a deduction amount from an electronic wallet to an account designated by a tax system based on a deduction request; determining a real-time risk level of the deduction operation based on input parameters based on a preset dynamic risk assessment model to generate a risk level; generating a tax payment voucher containing a risk assessment report, a blockchain storage number, and a sub-account verification result in combination with the risk level; and synchronizing the tax payment voucher to a tax system, a core database to which the electronic wallet belongs, and a local storage module of a mobile terminal, respectively. Therefore, the problem of low efficiency of online payment in related technologies is solved.

Systems, methods, and machine-interpretable data representing executable instruction sets and / or other products for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of payment transactions and other secure data processes. Some embodiments provides secure means for the authorization of sensitive and other data processes subject to controlled access. Such processes include the creation, administration, authorization, virtualization, storage, and other manipulation or processing of electronic data representing characteristics of, instructions for, and information associated with consumer, business, and other payment accounts, and other forms of secure payment elements, such as payment tokens; and data useful in processing transactions using such accounts and elements. Information associated with particular payment means, such as accounts or payment tokens, can be stored in a data set, usually secure, sometimes referred to as a virtual or electronic wallet, or a secure payment token.

The invention discloses an electronic wallet anti-fraud method, an electronic payment system, an electronic wallet anti-fraud device and a medium, and the method specifically comprises the steps: in response to a payment request of payment equipment, the payment equipment executes risk pre-verification based on local data, and generates a preliminary risk score; performing environment consistency verification by the payment device to generate an environment consistency score; if the initial risk score reaches a risk threshold, triggering an enhanced verification process to generate an enhanced risk score; fusing the preliminary risk score, the environment consistency score and the optional enhanced risk score to generate a fused risk score; and performing grading processing on the payment request based on the risk grade to which the fusion risk score belongs. According to the electronic wallet anti-swiping method provided by the embodiment of the invention, while payment security is ensured, verification time delay and user disturbance are effectively controlled, and the optimal balance between security protection and payment efficiency is realized.

Systems and methods for data capture and verification of documents. One such system may include a processor configured to execute a verification system comprising initiation, collection, data extraction, contracting, data encryption, and authentication modules. Other such systems may include a software application comprising similar modules. The systems may further comprise disbursement modules, repository modules, and rewards modules. Further, the systems may be operative to create an electronic wallet configured to receive at least one asset. Moreover, some embodiments of the present invention include a method comprising receiving at least one instrument; extracting a first set of information from the same; generating at least one smart contract; encrypting the first set of information into the at least one smart contract; and verifying at least one individual's identity via a first verification step and a second verification step.

To provide a technique for realizing foreign remittance by creating an electronic wallet (wallet) dedicated to a foreign traveler in order to refund a consumption tax from a duty-free store to the foreign traveler.SOLUTION: A management server virtually divides a bank account for refunding a consumption tax received from a foreign traveler to the foreign traveler. The system includes wallet creation data reception means for receiving personal data from an inbound traveler for identifying the traveler, wallet creation means for using the personal data to virtually create a separate account for the inbound traveler associated with the personal data in a bank account associated with an administrator of a management server created in advance at a Japan financial institution, and wallet application transmission means for transmitting to a mobile terminal a wallet application that enables the mobile terminal associated with the inbound traveler to access the separate account.SELECTED DRAWING: Figure 6

The invention discloses an unattended shared warehouse access management system, and the system comprises an electronic logistics tray which is internally provided with a Bluetooth fixed-distance anti-disassembly module and is used for achieving the identity identification, positioning and anti-disassembly alarm; the at least one Bluetooth fixed-distance sensing card reader is mounted at the access of the shared warehouse and is used for reading tray signals; the infrared detector is used for detecting illegal entry; the main controller is connected with the card reader and the infrared detector; the AI camera and the buzzer are controlled by the main controller and are used for capturing images and giving an alarm; and the management background communicates with the main controller through a network and is provided with a user management module, a binding tray management module, a charging management module, an electronic wallet module and a data report module. According to the invention, through Bluetooth automatic identification, infrared detection, AI video review and intelligent linkage, the whole-process unmanned operation of warehouse entry and exit, charging and monitoring of goods is realized, the management efficiency and accuracy are significantly improved, and the labor dependence and dispute risk are reduced.

To provide a mechanism capable of settling a burden amount of a company and a burden amount of an individual in real time when paying a cost.SOLUTION: An information processing device 300 is an electronic wallet that acquires information on an amount of money to be paid by an employee to a store and a use purpose of the payment, and makes a payment with electronic money of the employee and points given by a company to which the employee belongs. Determining a part to be paid with the points and a part to be paid with the electronic money with respect to the acquired amount based on the acquired information on the purpose of use, storing identification information of the electronic wallet, a balance of the electronic money, and a balance of the points in association with each other in an electronic wallet information storage unit, and performing management to subtract the balance of the electronic money and the balance of the points stored in the electronic wallet information storage unit based on information on the determined part to be paid with the points and the determined part to be paid with the electronic money with respect to the amount to be paid by the employee to the store.SELECTED DRAWING: Figure 1

1. Name of the product in this design: Graphical User Interface for Wallet Management of Electronic Device and its Main Body. 2. Intended use of this design: for use in an electronic device. 3. The key design features of this product are its graphical user interface content. 4. The picture or photo that best illustrates the key design points: Design 1 front view. 5. Design 1 is designated as the basic design. 6. Purpose of the Graphical User Interface: The overall purpose of the interface is to display the e-wallet; the partial purpose of the interface is to guide different types of users to activate balance or bind cards according to their card type based on the current status of the e-wallet; Design 1's main view is the interface of an inactive e-wallet without a bound card; Design 2's main view is the interface of an activated e-wallet without a bound card; Design 3's main view is the interface of an activated e-wallet with a bound card; Design 4's main view is the interface of an inactive e-wallet with a bound card; In the above interfaces, "X" represents text or numbers, and dashed lines represent content that does not require protection.