83 results about "Electronic purse" patented technology

The present disclosure generally relates to user interfaces for sharing and / or re-sharing an electronic key that is provisioned onto an electronic wallet of a computer system.

Method of transferring virtual asset between heterogeneous blockchains including first and second blockchain comprises receiving deposit of first stable coin from electronic wallets of multiple remittance agents of first blockchain in blockchain-based management system, and receiving deposit, in blockchain-based management system, of second stable coin from electronic wallets of multiple remittance agents of second blockchain in blockchain-based management system, wherein transfer detail of virtual asset transferred from transferor electronic wallet in first blockchain to electronic wallet of first remittance agent selected from among multiple remittance agents of first blockchain is recorded in blockchain-based management system. When transferring virtual asset is confirmed, virtual asset remaining after deducting first remittance agency fee from virtual asset, transfer of which has been identified, is transferred from electronic wallet of second remittance agent selected from among multiple remittance agents of second blockchain to remittance fee electronic wallet of second blockchain.

A method for displaying an NFT artwork, comprising: connecting to a user's electronic wallet; displaying the NFT artwork in the user's electronic wallet on a device; wherein the device displays an identification code corresponding to the NFT artwork. Through the method of displaying the NFT artwork, the user can display the NFT artworks in the user's electronic wallet on the device, thereby achieving the purpose of displaying the NFT artworks for viewers to appreciate and enhancing the feeling of actual connection to the NFT artwork. The viewers can also obtain relevant information corresponding to the NFT artwork through the identification code.

A method for identification and distribution of a personalized image. As disclosed, the method involves a processing server receiving an image request from a web server. The image request includes at least a device identifier and an originating address. The processing server electronically transmits a data request to a computing device associated with the device identifier, and receives a data file from the computing device. The data file includes one or more data values associated with an electronic wallet. The processing server executes a query to identify an image file based on the data values included in the received data file. Additionally, the processing server electronically transmits the identified image file to the web server in response to the received image request.

A mobile computing device configured to manage a digital wallet card within a mobile wallet on the device by communicating with a central server. The mobile computing device continually communicates with the central server that stores policy information for an account associated with the digital wallet card. If the central server detects an update to the digital wallet card then, based on such indication, the mobile computing device generates an alert such as a notification to be displayed on a user interface of the mobile computing device indicating the existence of the update. The mobile computing device displays concurrently the notification of an update and an embedded link that when selected triggers downloading the update and replacing the digital wallet card with an updated digital wallet card in the mobile wallet.

A blockchain-based electronic wallet driving method of an electronic wallet system, of the present invention, comprises steps in which: a sender device transmits a coin from an encrypted coin account of a sender to a token manager of a management device through an Internet network; the management device performs a mining process, and then the token manager transmits a parent token to the sender device through the Internet network; the sender device generates at least one child token having parent token rights and having a value smaller than the value of the parent token; any one child token is transmitted from the sender device to a recipient device through a short-range wireless communication network; the recipient device transmits the child token to the token manager through the Internet network, and the token manager finds the parent token for the child token so as to delete the parent token from a blockchain and reallocate the rights to the child token; and the token manager mines for the child token, and then transmits the coin to an encrypted coin account of a recipient.

There is provided a method to transfer funds from a user's financial institution account to an electronic wallet (e-wallet). The e-wallet is provided by an e-wallet provider. The method includes obtaining a message addressed to an email address from an interbank network. The message includes the email address and a transaction identifier (ID). The method further includes obtaining an e-wallet ID associated with the e-wallet. The transaction ID is provided to the interbank network and a hash salt of a security question is obtained from the interbank network. The hash salt of the security question, the security answer and the e-wallet ID are provided to cause the interbank network to authenticate the transaction and the amount of funds is transferred from the account at the financial institution to the e-wallet provider and an e-wallet balance of the e-wallet is updated.

The present disclosure generally relates to the use of loyalty accounts, private label payment accounts, and general payment accounts using an electronic device with an electronic wallet. Various accounts are linked to the electronic device. In some examples, the electronic device is NFC-enabled. The electronic device may be used to provide loyalty account information and payment account information to a payment terminal, such as an NFC-enabled payment terminal.

The present disclosure generally relates to user interfaces for sharing and / or re-sharing an electronic key that is provisioned onto an electronic wallet of a computer system.

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.

To provide a better non-storage type wallet management system, a method and a program which manage a non-storage type wallet.SOLUTION: A system: executes login processing to a user account of an information processing device by a user terminal; performs management processing for managing a transaction by a wallet account through the user account, on the basis of transaction information about the transaction performed by the wallet account; executes transaction processing based on transaction operation of a user associated with predetermined verification operation, when the transaction operation is performed; during the processing, after performing processing which confirms a predetermined user himself / herself, suppresses that a share more than a threshold value is held in a management account, by transmitting a third share in a mode in which at least the management account cannot be read, with respect to the user; allows only the user to perform authentication by electronic signature with respect to the transaction; and maintains non-storage property of an electronic wallet.SELECTED DRAWING: Figure 2

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.

Systems and methods for payment token provisioning with variable risk evaluation are disclosed. In one embodiment, a method may include: an issuer backend: (1) receiving, from an electronic wallet application, a payload comprising an identification of a card to be provisioned to the mobile electronic device; (2) determining that the card is eligible for provisioning to the mobile electronic device; (3) generating a card payload and communicating the card payload to the payment network, wherein the payment network creates a payment token for the card comprising payment token origin information; (4) receiving the payment token from the payment network and generating a risk profile for the payment token; and (5) activating the payment token in response to the validation.

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 processor implemented method for agricultural credit tracking of a line of credit (LOC) grounded in the Farm Credit according to one disclosed non-limiting embodiment of the present disclosure includes setting up an electronic wallet interface in an agricultural credit tracking system for a user; verifying the user of the electronic wallet interface; associating the user with a line of credit (LOC) grounded in the Farm Credit System (FCS) through an Agricultural Credit Association (ACA) in the Farm Credit System (FCS); permitting access to the line of credit (LOC) via the electronic wallet; and allowing spending via the electronic wallet.

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 payment token provisioning with variable risk evaluation are disclosed. In one embodiment, a method may include: an issuer backend: (1) receiving, from an electronic wallet application, a payload comprising an identification of a card to be provisioned to the mobile electronic device; (2) determining that the card is eligible for provisioning to the mobile electronic device; (3) generating a card payload and communicating the card payload to the payment network, wherein the payment network creates a payment token for the card comprising payment token origin information; (4) receiving the payment token from the payment network and generating a risk profile for the payment token; and (5) activating the payment token in response to the validation.

The invention discloses a field detection-based card transaction method, which is characterized in that in a card searching stage, a time sequence among various modes of a terminal is reasonably set, various card payment scenes are compatible, the problem that the current terminal needs to switch different card identification interfaces for transaction is solved, and the transaction efficiency is improved by combining a field detection mode of LPCD detection. According to the method for judging whether a transaction object is a non-contact entity card, the polling time of an NFC Tag mode of equipment is prolonged for a transaction scene of the non-entity card, the payment success rate of an electronic wallet and application payment selectable transaction scene is improved, a strategy of generating load change by the NFC Tag of a switch terminal is provided for the mobile electronic equipment in an LPCD mode continuously, and the payment success rate of the mobile electronic equipment is improved. And the electronic equipment is guided to be switched from the LPCD mode to the card reader mode, so that the success rate of jumping to the payment application by the electronic equipment is increased. And finally, a card searching result is timely returned to a transaction layer, and payment is smoothly completed.

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.

The invention is titled "User Interfaces for Loyalty Accounts and Private Label Accounts for Wearable Devices". This disclosure generally relates to the use of loyalty accounts, private label payment accounts, and general payment accounts using a wearable electronic device having an electronic wallet. Various accounts are linked to the electronic device. In some examples, the electronic device supports NFC. The electronic device can be used to provide loyalty account information and payment account information to a payment terminal such as an NFC-enabled payment terminal.

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 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.

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.

The present invention relates to a content sharing system based on payment by means of a virtual currency distribution method, which distributes a dedicated virtual currency to a content provider as payment after content is shared, a part of the content being purchased only by means of the dedicated virtual currency as paid content, and which comprises: a member registration unit for registering a member to which the content provider pays the payment by means of the dedicated virtual currency; a registration unit that registers a content provider or a content consumer as a member and registers an electronic wallet of each member; a content management unit that uploads content in response to a request from the content provider and provides the uploaded content to the content consumer for sharing; a sharing amount collection unit that collects the sharing amount of each content; a dedicated currency management unit which issues a dedicated virtual currency (hereinafter referred to as dedicated currency) for transactions relating to the content, and which is only issued when a reward is paid in accordance with the sharing of the content; a shared reward calculation unit that calculates a reward amount for each piece of content on the basis of the shared amount of each piece of content; and a shared reward payment unit that pays the shared reward amount of each content to the content provider of the corresponding content by the dedicated currency on the basis of the calculated reward amount, and issues and pays the dedicated currency by the dedicated currency management unit. Through the system as described above, even if free content is shared, a dedicated virtual currency is issued to a content provider as a reward, and paid content can be purchased only by using the dedicated virtual currency, so that the economic burden of consumers is reduced, advertisements are not forcibly watched, the concentration degree of the content is improved, and the user experience is improved. And the reward is impartially provided with a transparent reward standard.

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.

1. The name of the design product: electronic wallet. 2. The use of the design product: a secure hardware wallet for digital currency. 3. The design points of the design product: in shape. 4. The picture or photo that best indicates the design points: perspective view.