70 results about "Micropayment" patented technology

A method of enabling anonymous Internet users to publish and manage extensive, non-identifying personal data, including demographic, psychographic, needs, wants, interests, propensities, means to purchase, credibility and other data which in turn, enables a marketplace wherein such users, advertisers, websites, and other third-parties can mutually benefit from the commercial exploitation of such data. Advertisers can directly use the data to segregate the users into highly differentiated anonymous audiences for the purposes of targeting them with individualized marketing campaigns and then monitor user responses in near real-time. Websites can individualize their content to the profiles of visiting users. Users can share surface and deep web links with other users having similar profiles. Consumers participating in good faith are proportionately rewarded via revenue sharing, which they may withdraw from the marketplace or use to purchase and rent digital content offered in the marketplace's micropayment-enabled storefronts by other users and third-party content providers.

A protocol for protected email transmission using micropayments and a segregated inbox in which protected emails are displayed. The protocol also involves authentication of the sender to defeat phishers and an opt out protocol which can be used to block protected emails from sources from which the user no longer wishes to receive emails even if the source has made a micropayment. Branded email is also taught wherein a sender of protected emails can pay extra to have a miniature version of its brand logo or trademark displayed with its email in the segregated inbox. A white list is maintained on the protected email server (along with the opt out black list) so that recipients can designate specific senders who may send email to that recipient without paying a micropayment and still have the protected email displayed in the segregated inbox.

A method for managing micropayment transactions includes receiving a purchase request from a customer, where the purchase request includes a purchase item and a purchase price, and comparing the purchase price to a micropayment threshold to determine if the purchase request is a micropayment request. Then, if the purchase request is not a micropayment request, the method includes completing the purchase request as a credit transaction with a credit account. Alternatively, if the purchase request is a micropayment request, the method includes completing the purchase request as a micropayment transaction. In the latter case, completing the purchase request a micropayment transaction includes: maintaining a value account for the customer, adding a value increment to the value account from the credit account if the value account is insufficient for the purchase price, and completing the purchase request with the value account.

A mobile phone intelligent card with radio frequency communication function is featured as on one hand using control software of CPU in card to carry out short distance data communication in no contact mode by utilizing its radio frequency function and its auxiliary unit, on the other hand using APDU protocol to control mobile phone i.e. using STK function of mobile phone to control screen and keyboard of mobile phone to let mobile phone be used as no contact IC card for realizing application such as penny payment and so on.

The present invention relates to a system and method for merchant's benefit-focused electronic coupon distribution business. The invention provides an online platform connecting merchants to targeted consumers without sales people. The online platform provides merchants with profile pages where the merchants can manage and sell coupon offerings. Consumers can search and purchase one-time use coupons based on the coupon offerings. Each one-time use coupon carries unique identification number and code, and the coupon is tracked to provide information back to registered merchants. This invention minimizes the risk and marketing promotion cost by shifting the burden of marketing cost to the consumers' side. Instead of paving for marketing costs upfront, merchants receive micropayments from consumers through coupon offerings and selling one-time use coupons. This invention creates a get-paid-to-participate-marketing for merchants, and ways to access more discounts from more local businesses for consumers.

A method and a system facilitate micropayments between a plurality of parties. A first plurality of micropayment commitments made by a first party are registered, the first plurality of payment commitments contributing towards a total commitment payable value for the first party. A second plurality of payment commitment made to a second party is registered, the second plurality of payment commitments contributing towards a total commitment receivable value for the second party. The total commitment receivable value for the second party is calculated utilizing a risk indication. The total commitment receivable value for the second party is identified as being satisfiable by the total commitment payable value for the first party. Responsive to this determination, a payment process, for payment of the total commitment receivable value by the first party to the second party, is initiated.

An electronic transactions system suitable for payment services wherein certain merchants needing to accept online micro-payments from holders of mainstream payment cards are equipped with an online Point Of Service system capable of communicating directly with an operator acting on behalf of the issuer of the cards of the payers via a dedicated data communication protocol to obtain an authorization for micro-payments without transiting through a separate acquirer and interchange network, whereas the card-holder payer needs only to fund a single account for both micro-payments with those certain merchants and regular payments with all other merchants where their card is accepted.

Embodiments of the invention described herein use micropayments to make the payment for electrical consumption used to charge an EV. In one aspect, a mobile device such as a cellular telephone (“cell phone”) is used to make the payments. In one aspect, a method of payment for charges associated with charging an electric vehicle is described. This embodiment of a method comprises receiving electrical consumption information related to charging an electric vehicle at a charging station. The electrical consumption information is associated with a mobile device number. The electrical consumption information is authenticated. The cost for the authenticated electrical consumption information is included on an invoice for mobile device usage associated with the mobile device number.

The present invention relates to a mobile micropayment service system and method using a virtual caller ID. According to a micropayment service system and method of the present invention, a user can use mobile micropayment service not only without providing the personal information of the user to a mobile PG center but also by transmitting a short message, and each mobile network operator directly manages the bill particulars information with respect to the mobile micropayment without depending on the mobile PG center.

A transaction account based micro-payment system using blockchain is disclosed. The system may receive a micro-payment request including a payment address from a merchant system. The system may invoke an account holder account smart contract and a directory smart contract. The system may write a plurality of micro-payment transaction debits to a transaction account based micro-payment blockchain via a blockchain node. The system may generate a transaction clearance event based on the account holder account smart contract. The system may write a micro-payment transaction clearance credit to the transaction account based micro-payment blockchain.

The invention discloses a mobile data transmission method based on combination of SD (Secure Digital) encrypted card and a short-distance wireless communication technology, belonging to the field of communication. The method comprises the steps of: 1, acquiring consumption amount information; 2, checking whether the expense exceeds a micropayment limit, if so, skipping to a step 3, and if not, skipping to a step 4; 3, logging in a mobile terminal bank, and skipping to a step 5; 4, checking whether the micropayment remaining balance is sufficient or not, if so, skipping to a step 6; and if not, skipping to the step 3; and 5, carrying out business process by the mobile terminal bank, or step 6, carrying out micropayment and then completing the payment. The invention can effectively solve capitals floating on various cards so as to ensure that not only a certain interest income can be obtained on a bank card, but also the consumers are facilitated. Thus, a bank can cooperate with a mobile terminal operator for disintermediation so that the capital of the bank directly enters end consumption, a consumption information stream directly enters information system of the bank and information processing becomes more efficient.

The embodiment of the invention discloses a recharge method and device of a micro-payment card. After a recharge cipher, which is obtained according to a second preset algorithm in accordance with a transmission key session key, is decrypted and passes verification, recharge authentication data obtained according to a preset encryption mode in accordance with the recharge key session key passes the verification, and then recharge response authentication data and a response certificate corresponding to the recharge authentication data are acquired, so payment consumption can be performed by a cardholder of the micro-payment card at any time and any place and recharge can also be performed at any time and any place without considering the hardware problem of a card check terminal; the verification of the background recharge cipher is realized through only the micro-payment card with the recharge cipher; the technical problems of inconvenience in recharge of a user caused by fewer recharge websites in life and need of investing more money and human and material resources caused if more recharge websites are constructed are solved.

The invention requests to protect a side chain micropayment system based on zero knowledge proof. The side chain micropayment system includes a block chain main chain module, and also comprises a block chain side chain module and a zero knowledge proof encryption module. According to the side chain micropayment system, transaction payment is carried out through the side chain extended on the mainchain of the block chain, so that the transaction volume of the main chain is reduced, and the expandability of the main chain is enhanced. The side chain micropayment system increases the block output speed of the side chain, increases the transaction speed, generates a secret transaction address for an address initiating a transaction through zero knowledge proof, and carries out privacy protection on transaction information.

Methods and systems for performing micropayment transactions over communication networks is provided. These methods and systems enable ubiquitous micropayments by providing a seamless payment solution in which micropayment is one of a plurality of payments facilitated. In an embodiment, the transaction value may be compared to a predefined threshold, and processed as a micropayment if said value is less than said threshold, and otherwise processed using a second processing system. In another embodiment, the transaction may be processed as a micropayment if the payee has previously been verified by the micropayment processing system. In a third embodiment, the transaction takes place using the payee's website.

The invention discloses a micropayment system, which comprises a safety control module, an authentication and certification module, an authentication and certification result storage module, a sampling probability real-time adjusting module and a micropayment module, wherein a sampling probability module is arranged in the safety control module, and is used for setting sampling probabilities of different authentication and certification manners of each micropayment request accessed to a trade company, carrying out probabilistic sampling on the micropayment requests, and entering the authentication and certification module for carrying out micropayment authentication and certification when a request to be authenticated and certified exists; the authentication and certification result storage module is used for storing the authentication and certification result of the authentication and certification module; the sampling probability real-time adjusting module is used for correspondingly adjusting the sampling probability of the trade company authentication and certification in the sampling probability module according to the accumulated authentication and certification result; and the micropayment module is used for carrying out micropayment after the user authentication and certification is successful. In addition, the invention also discloses an implementation method of the system. According to the invention, the micropayment safety is improved on the premise that the convenience and quick payment experience of the user are not influenced.

Disclosed are systems, media, and methods for providing pay-per-access micropayment-based web browsing and server applications. In one aspect, disclosed herein are computer-implemented systems comprising a digital processing device comprising at least one processor, an operating system configured to perform executable instructions, a memory, and a computer program including instructions executable by the digital processing device to create a pay-per-access micropayment-based server application.

Methods, systems, platforms, and software utilizing a unique addressable URI mapping to physical addresses to provide educational resources, registered electronic messaging, hyperlocal forums, micropayments, and user identity verification.

Methods and systems for micropayment support to blockchain-incentivized, decentralized data streaming and delivery are disclosed. To receive a blockchain-based payment for streaming a data resource to multiple users, a caching node first joins a payment-authorized peer group and is notified upon the creation of a micropayment pool. After delivering a portion of the data resource to each user, a service receipt signed by the recipient user is obtained, and submitted to a payment server together with a payment authentication certificate. An updated off-chain transaction is obtained from the payment server, for later submission to the blockchain to claim a total payment from the micropayment pool.

The invention discloses a field off-line payment transaction system and method based on a portable terminal universal interface. In the payment transaction process, a consumer users a portable terminal under the off-line situation, the unique fund payment pay order code information of a platform signature downloaded from a payment platform in advance is transmitted to a consumption payment terminal of a merchant in one direction through a voice frequency earphone interface and other universal interfaces commonly used in a PDA, a POS machine verifies the information authenticity for the payment platform online, the payment platform executes the payment and clearance, and confirmation information is returned to the POS machine. When the field off-line payment transaction system is used for transaction, the PDA does not need to be networked, it is only needed to transmit information to the POS machine in one direction while the POS machine does not need to return transmitted information to the PDA, and the transaction can be achieved by adopting the voice frequency earphone interface arranged in ordinary intelligent terminals. Especially, a password does not need to be input under the situation of frequent micropayment, potential safety hazards caused by revealing of an account and a password of the consumer in the public place are prevented, and the transaction process is convenient and fast.

A method for completing a transaction including receiving a credit card payment request at a card reader. The payment request can include a payment amount and a micropayment account identification identifying a pre-pay account or a post-pay account. In the event the payment request is for a pre-pay type of account and the payment amount is greater than a balance associated with the account, then a credit card account associated with the micropayment account is charged with a top off amount plus the difference between the payment amount and the remaining balance. In the event, the payment request is for a post-pay type of account and the payment amount is greater than the balance associate with the account, then a credit account associated with the micropayment account is charged with an amount equal to a credit limit plus the difference between the payment amount and the remaining credit.

An apparatus for and method of transacting business over a network, such as the Internet. The technique is applicable to a number of e-commerce applications, but the low transaction cost permits its use with microsales involving micropayments of less than one U.S. dollar. An Internet user requests a purchase from a content provider via the user's Internet Service Provider. The Internet service provider records the transaction in a transaction log. The content provider records the transaction in an invoice log. At the end of a billing cycle, a transaction reconciler performs a reconciliation of all transaction logs from all Internet service providers with all invoice logs from all content providers. After correction of any errors found, each Internet service provider is billed by the transaction reconciler for all purchases made by its subscribing users during the purchase period. The payments are collected by the transaction reconciler and paid over to the content providers on the basis of the reconciled invoice logs.