55 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.

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.

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 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 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.

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.

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 invention provides a cross-border non-contact payment method, device and system. The method comprises the following steps: receiving a cross-border payment binding request which is initiated by a user through an electronic wallet application and contains a target overseas non-contact payment scene identifier; generating a payment mark matched with the target overseas non-contact payment scene for the unique identity of the user, and binding the payment mark with an account associated with the unique identity; returning the payment mark and the virtual card generation parameter to the electronic wallet application; receiving an overseas non-contact payment transaction request initiated by the user through the virtual card, wherein the transaction request comprises a payment mark; performing de-marking processing on the payment mark, and analyzing to obtain a unique identity label of the user; the payment instruction containing the unique identity label is sent to a corresponding electronic wallet system, the electronic wallet system determines one or more accounts associated with the unique identity label to deduct money according to a preset money deduction rule or real-time selection of a user, and payment is completed.

The invention discloses an electronic wallet management method and device, equipment, a storage medium and a product, and relates to the technical field of data processing, and the electronic wallet management method comprises the steps: obtaining user group information and label information of an electronic wallet; determining a target classification wallet account capable of performing wallet merging according to the user group information and the label information; and managing the electronic wallet based on the target classification wallet account. As the target classification wallet accounts capable of being merged can be determined according to the user group information and the label information of the electronic wallet, compared with an existing mode that the configuration of each wallet can only be manually checked by a user and then merging operation is performed, the mode of the application can automatically screen the to-be-merged wallet, so that the user experience is improved. And the user experience is improved.

An electronic toll collection system terminal includes a communication interface configured to be connected to a vehicle network, a card IC chip configured to store a first card issued, and a controller configured to control the communication interface and the card IC chip. The controller is configured to generate initialization inter-sector electronic purse data of the first card, control the communication interface to transmit the initialization IEP data of the first card to a roadside equipment of the tollgate in response to the vehicle approaching a tollgate in a state where of new issuance of a second card is being requested, and control the communication interface to perform billing communication with the RSE using the first card and, in response to the vehicle passing the tollgate, control the communication interface to switch to the state where of new issuance of the second card is being requested.

The application is suitable for the technical field of electronic wallet, and particularly relates to an electronic wallet circuit and an electronic wallet, wherein the electronic wallet circuit comprises an NFC antenna, an electronic wallet chip, a battery, a switching-on and switching-off circuit, a button circuit, a main control circuit and a display screen; the electronic wallet chip feeds back transaction data to the main control circuit after transaction with a card reading terminal through the NFC antenna; the main control circuit is powered by the battery and displays the transaction data through the display screen, so that the display through the card reading terminal is not needed, the safety is improved, the operation is simple, and the user experience is improved.

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.

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.