27 results about "Issuing bank" patented technology

The invention discloses an SAM card control system and method, the system comprises a to-be-controlled SAM card module, a device terminal and a card issuing bank background server, and the module comprises an SAM card and an NFC unit; when the relative distance condition is met, the equipment terminal establishes near field communication connection with the NFC unit and sends a record reading command; the module determines the NDEF file according to the command and feeds back the NDEF file to the equipment terminal; based on the NDEF file, the device terminal generates an unlocking request and sends the unlocking request to the issuing bank background server when judging that the operation type is an unlocking type, so that the issuing bank background server generates an unlocking ciphertext according to a preset mode and transmits the unlocking ciphertext when verifying that the unlocking request meets an unlocking condition; and when receiving the unlocking ciphertext, the equipment terminal generates an unlocking command and sends the unlocking command to the module based on the preset NFC unit label read-write software and the unlocking ciphertext, so that the module updates the authorization information of the SAM card according to the unlocking command. And through an online unlocking mode, the processing time and the money cost are saved.

Systems and methods are provided for accessing records using derivative locators. An open financial transaction may be initiated by a consumer at a merchant. The merchant may provide transaction information to the acquiring bank, which may provide transaction to the global financial network, which may provide transaction information to an issuing bank. One or more requesting party (e.g., one or more of the acquiring bank, global financial network, or issuing bank) may formulate a derivative locator based on the transaction information received. The derivative locator may function as an index through which records in the repository may be accessed by the requesting party. A time comparison may be made in assisting with accessing the correct record in the repository. The requesting party may determine whether to accept or decline the transaction, optionally with the aid of the information accessed from the repository.

The disclosed system and method can manage real-time transactions using a blockchain ledger. A processor can create a fractionalized risk pool for a property, comprising asset tokens and an occupancy token. The processor can receive title information and can update the blockchain ledger with this information, a timestamp, and / or a property valuation. Upon receiving a transaction from a credit card network and / or issuing bank, the processor can determine a user's real-time equity.

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.

This invention relates to systems and methods for authenticating transactions using a mobile device based primarily on the introduction of a layer of middleware and wherein the Payment Networks, Merchants, Issuing Banks, Credit Reporting Bureaus, Insurance Companies, Healthcare Providers may customize the implementation of the services based on individual strategy and consumer preferences.

The present invention discloses a SAM card control system and method. The system includes: a SAM card module to be controlled, a device terminal, and an issuing bank's back-end server. The module includes a SAM card and an NFC unit. When the device terminal meets the relative distance condition, it establishes a near-field communication connection with the NFC unit and sends a read record command, causing the module to determine the NDEF file according to the command and feedback it to the device terminal. Based on the NDEF file, when the operation type is an unlocking type, the device terminal generates an unlocking request and sends it to the issuing bank's back-end server. When the back-end server verifies that the unlocking request meets the unlocking conditions, it generates an unlocking ciphertext according to a preset method and transmits it. When the device terminal receives the unlocking ciphertext, it generates an unlocking command based on a preset NFC unit tag reading and writing software and the unlocking ciphertext and sends it to the module, causing the module to update the authorization information of the SAM card according to the unlocking command. Through the online unlocking form, the processing time and money costs are saved.

The invention discloses a resource transfer method and device, equipment, a storage medium and a program product. The method is applied to a resource transfer system, and comprises the following steps: in a process of performing resource transfer by using a POS machine, receiving an entity card number acquisition request of a target resource transfer party sent by an acquiring system; determining a target entity card number corresponding to a target virtual card number in the entity card number acquisition request based on a mapping relationship between the virtual card number and the entity card number, the mapping relationship including a first mapping relationship between the virtual card number generated by the card issuing bank system and the entity card number; the target entity card number is returned to the acquiring system, so that the acquiring system initiates a real name authentication request and a resource transfer request to the resource transfer system based on the target entity card number; and under the condition that the real-name authentication results of the resource transfer-out party and the resource transfer-in party both pass the authentication, resource transfer is carried out. According to the embodiment of the invention, the method can improve the convenience when a user carries out the resource collection through the financial management POS.

1. Name of the product in this design: Financial Card Issuing Box. 2. Purpose of this design: This design is used for financial equipment that issues bank cards, social security cards, and other similar cards. 3. The key point of the design of this product lies in its shape. 4. The picture or photo that best illustrates the design points: three-dimensional picture.

The invention provides a terminal NFC (Near Field Communication)-based PIN (Personal Identification Number) code updating method and device and a storage medium, and relates to financial science and technology or other related fields. According to the method, a communication channel is established between an application program and a chip card in terminal equipment through an NFC function on the card-holding user terminal equipment, after safety verification is carried out on a card-holding user, the card-holding user inputs a new PIN code in the application program and safely transmits the new PIN code to a core server side, the core server side calls a key management platform, and the key management platform carries out key management on the chip card. And generating an instruction message encrypted by the security key, and sending the instruction message to the chip card through the communication channel so as to update the off-line PIN of the chip card. Therefore, compared with an existing offline PIN updating scheme, the offline PIN updating method has the advantages that the situation that the user needs to reset and update the offline PIN code from an offline site to a card issuing bank outlet is avoided, so that the safety is guaranteed, the process is reduced, the consumed time is shortened, and the convenience and the service experience of the user are improved.

The invention belongs to the technical field of data processing, and relates to a data generation method and device, computer equipment and a storage medium, and the method comprises the steps: when a business handling request triggered by a user in a business interface is received, displaying an input box; receiving a bank card number input by a user in the input box; if the bank card number passes the format verification, when it is detected that the bank card number reaches a length threshold value, whether a specified bank card number matched with the bank card number exists in a cache database or not is judged; if not, performing bit-by-bit matching processing on the bank card number based on the Hash mapping table, and obtaining a target data value corresponding to the current target entry when the matching is successfully completed; and generating issuing bank information of the bank card number based on the target data value, and displaying the issuing bank information on the service interface. The issuing bank information can be stored in the block chain. According to the method and the device, the issuing bank information matched with the bank card number input by the user can be intelligently and accurately inquired, and the use experience of the user is improved.

A method and system for processing a transaction between a merchant and a consumer using a consumer mobile device wherein the consumer mobile device is in communication with a payment processing computing device having a memory are provided. The method includes receiving merchant data associated with the merchant, receiving a consumer alias associated with the consumer, receiving, a transaction request message from the consumer mobile device, the transaction request message including a merchant identifier, a transaction amount, a device identifier associated with the consumer mobile device, and consumer verification data, retrieving the account number based on the device identifier and the consumer verification data, retrieving the merchant data based on the merchant identifier, generating an authorization request message including the account number, the transaction amount, and the merchant data, and transmitting the authorization request message over a payment network to an issuer bank.

The application relates to the field of bank cross-bank cash withdrawal processing, and provides a cross-bank off-site no-card cash withdrawal processing method, device and system. The cross-bank off-site no-card cash withdrawal processing system receives a no-card cash withdrawal command and a card-issuing bank category selected by a customer through an automatic deposit and withdrawal device; a withdrawal bank server generates a corresponding pattern based on the no-card cash withdrawal command and the card-issuing bank category; a mobile terminal identifies the pattern to obtain corresponding pattern information; the withdrawal bank server authenticates the automatic deposit and withdrawal device according to the pattern information, and sends a success notification to the mobile terminal through a card-issuing bank server and a third-party server after the authentication is successful; the mobile terminal obtains corresponding withdrawal information based on the success notification; and the card-issuing bank server generates a withdrawal instruction based on the withdrawal information and the pattern information and sends the withdrawal instruction to the automatic deposit and withdrawal device, so that the automatic deposit and withdrawal device completes a withdrawal operation. The application can not only reduce the cost of an ATM machine, but also meet the needs of customers, thereby improving the user experience.

The invention relates to a credit card transmission method and system based on a block chain. The method comprises the following steps that: an issuing bank initiates a credit card issuing transaction, links credit card issuing transaction information, issues an issuing notification, and links issuing notification information; the notification bank sends out a sending transaction and links sending transaction information, and the issuing bank sends out receipt information and links the receipt information; the issuing bank issues an accepting transaction, accepting transaction information is linked up, the notification bank issues an accepting notification transaction, accepting notification transaction information is linked up, the issuing bank issues a payment transaction, payment transaction information is linked up, the issuing bank pays the notification bank, the notification bank issues payment state notification information, and payment state notification information is linked up; and the issuing bank receives the payment state notification information and initiates a closed transaction. According to the invention, an extensible block chain front-end system is introduced, and real-time writing, real-time reading and real-time verification of related transactions such as credit card issuing, bill sending, acceptance and payment on the chain are realized based on the block chain.

Various systems and methods for managing account-level control of game currencies and exchanges are described herein. A system for processing a transaction for a gaming deposit account at an issuing bank is configured to receive, from a payment network, an approval request message for a transaction related to an in-game asset; evaluate rules established by an accountholder of the gaming deposit account to approve or deny the approval request message, wherein the transaction includes a gaming platform identifier, a game identifier, or an in-game asset identifier, and wherein the rules to evaluate whether to approve or deny the approval request message are based on the gaming platform identifier, the game identifier, or the in-game asset identifier; and complete the transaction using the gaming deposit account when the approval request message is approved.

The present disclosure discloses a system (100) and method (200) for secure transaction processing. The system (100) comprises a payment application (102), a memory (106), and a transaction server (108) hosting the application (102). The application (102) facilitates a registered user to generate a request for initiating a payment transaction. The memory (106) stores a list of identifiers associated with registered users and registration details corresponding to each user. The transaction server (108) generates a first one-time verification code / PIN based on the transaction request and sends it to the application (102). The transaction server (108) receives a second verification code / PIN via a second user interface (20), compares the two codes / PINs, and sends transaction data to the issuing bank (30) of the first user, via an acquirer bank (40), for the completion of the payment transaction when the codes / PINs match. The system (100) enables users to carry out payment transactions without entering their sensitive financial accounts.

The invention relates to the technical field of intelligent card data storage, and discloses a method and system for optimizing the service life and performance of a FLASH storage type IC card, and the method comprises the steps: in a preprocessing stage, receiving a configuration instruction, analyzing a function identification parameter in the configuration instruction, determining functions supported by the IC card and data needing to be synchronously updated, and distributing the storage space in which the data needs to be synchronously updated in the same transaction to the same or adjacent FLASH storage pages. In the data writing stage, aiming at the data written in the personalization stage, a differentiation strategy is adopted according to the synchronous updating attribute and the length variability of the data: a storage space of the synchronous updating data is created in the preprocessing stage, a storage space of the asynchronous updating data is created when a writing instruction is received, and variable-length data needs to record a current storage length value; storage utilization can be optimized, performance and service life of the IC card are improved, cost of a card issuing bank is reduced, and use experience of clients is improved.

The invention relates to the technical field of electronic commerce transaction security, and discloses a credit card payment refusal early-warning, anti-distinguishing and claim processing method, which can inform a merchant about payment refusal before the payment refusal is initiated through a payment refusal early-warning technology of a trade company, so that the merchant has enough time to process, payment refusal is eliminated through active refund, and the payment refusal efficiency is improved. By stopping delivery, interrupting transaction and avoiding loss, automatically collecting information required for defense by a trade company through a technical means, identifying a payment refusal reason and combining with understanding of card group rules and card issuing bank defense requirements, a set of complete and professional defense materials is arranged for merchants, so that the defense complaint rate is greatly improved, and the risk of disqualification is reduced. A trade company cooperates with an insurance company to provide services such as merchant responsibility judgment and merchant loss pricing for the insurance company, and a payment refusing insurance scheme based on a payment refusing process is designed for the insurance company, so that the merchant obtains collection safety through insurance buying.

The present application relates to the field of Internet financial technology, and provides a method and system for signing a quick payment agreement, and a computer-readable storage medium, wherein the method includes: the issuing bank APP receives the card number and partner institution selected by the customer for signing, and selects a signing method that does not require jumping to the partner institution APP during the signing of the quick payment agreement; the issuing bank service end receives the customer information and partner institution name uploaded by the issuing bank APP; the issuing bank service end completes the pre-signing with the clearing institution and the partner institution service end, and displays the partner institution's account number to the customer through the issuing bank APP; the issuing bank service end completes the signing with the clearing institution and the partner institution service end. The above scheme solves the problem that the existing signing process is cumbersome due to the need to jump to the partner institution APP for signing, and the high requirements for user equipment, and achieves the technical effect of simply and efficiently realizing the signing of a quick payment agreement.

An electronic currency system including an issue bank server and a financial institution server, wherein the issue bank server includes a currency issue certificate issue unit that generates a currency issue certificate and transmits the generated currency issue certificate to the financial institution server, and a currency issue unit that adds a signature to a currency issue message in a predetermined electronic currency unit and transmits the currency issue message to the financial institution server, and the financial institution server includes a currency issue certificate issue reception unit that receives issue of the currency issue certificate from the issue bank server, and a currency issue reception unit that receives the currency issue message from the issue bank server, verifies the signature of the received currency issue message based on the currency issue certificate, and storing the issued currency in an unused currency storage unit.

The present application relates to a method, apparatus, computer device, storage medium, and computer program product for feedback of a request for transaction details. The method includes: receiving a request for transaction details sent by a target issuing bank; wherein the request for transaction details is determined by the target issuing bank according to the service requirements of a target user; using the target service information corresponding to the request for transaction details to determine a target feedback method corresponding to the request for transaction details; wherein the feedback methods include card organization feedback, blockchain feedback of transaction details, and manual feedback of transaction details, and the target feedback method is one of the feedback methods; determining feedback information corresponding to the request for transaction details according to the target feedback method, so that the target issuing bank can obtain the feedback information. According to different target service information, the present method uses the corresponding target feedback method to give feedback on the request for transaction details. Therefore, on the basis of being able to give feedback on the request for transaction details, the present method can ensure the security of retrieving the purchase receipt using the blockchain.

A system and method are disclosed in which a user engaging in an online or in-person transaction with a merchant may create automatic expiring transactions for a credit card. The user provides the credit card information to an online interface or a point-of-sale device but specifies an expiration date that is on or before the actual expiration date of the credit card, known as an artificial expiration date. A token for the merchant is generated with the artificial expiration date. The issuing bank will honor the transaction with the artificial expiration date using the merchant-specific token, and the token may continue to be used with the online merchant until the artificial expiration date.

The disclosed system and method can manage real-time transactions using a blockchain ledger. A processor can create a fractionalized risk pool for a property, comprising asset tokens and an occupancy token. The processor can receive title information and can update the blockchain ledger with this information, a timestamp, and / or a property valuation. Upon receiving a transaction from a credit card network and / or issuing bank, the processor can determine a user's real-time equity.

The invention provides a transaction processing method and device, electronic equipment, a storage medium and a program product. The method comprises the following steps: receiving a transaction message of a to-be-processed transaction through a first card organization network; the transaction message comprises a transaction ciphertext version number; the first card organization network is a card organization network of one of the plurality of card organizations; determining whether the transaction ciphertext version number is a transaction ciphertext version number corresponding to the first card organization network through the first card organization network; under the condition that the transaction ciphertext version number is not the transaction ciphertext version number corresponding to the first card organization network, the transaction message is sent to the issuing bank server through the first card organization network; and processing the to-be-processed transaction based on the transaction message through the issuing bank server. According to the invention, transaction processing failures can be reduced.

The invention provides an intelligent electronic bill arranging system and method, and relates to the technical field of bill management and financial intelligent equipment, and the system is used for automatically matching an optimal bill for a payment order, is configured to be capable of carrying out automatic or manual ballot on a single payment order, and limits that only one bill can be selected for payment for each bill payment order; the payment module is used for carrying out bill matching on the initiated payment order and completing payment based on a preset matching rule, the matching rule is composed of related information of the user payment order and an intelligent bill arrangement configuration mode, and direct connection bills and non-direct connection bills can be filtered and screened in the matching process; the intelligent ticket arrangement configuration module supports the autonomous configuration of a matching rule, including the configuration of a money arrangement and ticket allocation scheme, the bank based on bill endorsement payment, the deadline of stock tickets, the control of remaining tickets of ticket splitting endorsement, the compensation of the ticket splitting endorsement, and the preference setting of an endorsement scene; the payment mode of the new billing is bound with the bank through the supplier, and the set billing bank and account are preferentially selected.

The application relates to the technical field of smart card data storage, and discloses a method and system for optimizing the service life and performance of a FLASH storage type IC card. In a preprocessing stage, a configuration instruction is received, a function identification parameter in the configuration instruction is analyzed, the functions supported by the IC card and data needing to be synchronously updated are determined, and the storage spaces of the data needing to be synchronously updated in the same transaction are allocated to the same or adjacent FLASH storage pages. In a data writing stage, for the data written in a personalization stage, a differentiated strategy is adopted according to the synchronous updating attribute and length variability of the data: the storage space of the synchronously updated data is created in the preprocessing stage, the storage space of the non-synchronously updated data is created when a writing instruction is received, and the current storage length value of the variable length data needs to be recorded. The method can optimize storage utilization, improve the performance and service life of the IC card, reduce the cost of the card issuing bank, and improve the customer use experience.

Systems and methods enable customers to participate in transaction verification. A DH for network selection and management, ensures continuous and secure processing of transactions through dynamic network switching. A COPP establishes a fail-safe connection with alternate acquirers, providing flexibility and reliability in transaction processing. A RPDS is used to hold the transaction amount in reserve, releasing funds only upon customer validation of the transaction details received via a real-time notification on their mobile device. This process leverages the NDC standard for the exchange of transaction data across the network, enhancing communication between the POS terminal, the payment acquirer, and the issuing bank. The system provides a seamless, secure transaction experience for customers by giving them control over the approval of their purchases, thus reducing errors, enhancing trust, and streamlining the checkout process. It also offers merchants a strong, fraud-resistant transaction mechanism that integrates seamlessly with existing POS technology.

The invention is a method for authorizing a payment transaction involving a payment instrument (10) assigned to a first user (41) and issued by an issuing bank (50). During the payment transaction, a server (55) of the issuing bank receives transaction parameters (71). Upon receipt of the parameters, the server sends a decision request (72) comprising the parameters to a guardian device (30) assigned to a second user (42). The guardian device provides the parameters to the second user, determines an approval or a refusal of the second user for the payment transaction then sends to the server a decision response (73) reflecting the approval or refusal. The server generates a decision message (74) either authorizing the payment transaction to continue only in case of approval or refusing the payment transaction only in case of refusal; then send it to a payment terminal coupled to the payment instrument.