72 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 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 method, in different embodiments, is provided to construct on-line, off-line, or hybrid internet payment systems that allow a vendor to sell physical or digital products or services to a user. The embodiments reduce transaction costs, facilitate implementation, help prevent fraud and solve privacy, trust, accountability and liability issues, in ways that may be specially suited to on-line micropayment systems. In one embodiment a vendor makes available some payment information to a user (100) and provides a ways to secure the payment information (500). A payment transaction is initiated (102) and payment is performed with the participation of a broker. The vendor may grant access to content to the user (109).

A method is provided for a mobile telephone users to pay small individual fees for certain content when surfing the Internet using a mobile telephone terminal, for example, a WAP-enabled terminal. The method establishes a payment gateway which is accessible by the mobile telephone Internet user via the mobile telephone terminal and by a provider via a provider server. Customer data of the user is held securely in a database of the payment gateway and is not transmitted over the Internet or held in the mobile terminal. A micropayment account opened at a bank is synchronized continuously with the payment gateway. To provide payment of fees for content, a reservation of a certain amount is made in the payment account via the payment gateway and is authorized by the user to the provider allowing the provider to debit amounts against the reservation. Actual charges are transmitted from the provider to the payment gateway and allocated against the reservation debiting the amounts from the micropayment account, crediting the provider and canceling the reserved amount.

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 invention discloses a non-contact payment method, system and mobile terminal based on an electronic wallet. The method comprises the following steps: a point-of-sale (POS) terminal reads single-time consumption limit information stored in a mobile terminal, receives a payment request and identifies whether the consumption sum is greater than the single-time consumption limit, wherein the payment request includes the consumption sum information; if the consumption sum is not greater than the single-time consumption limit, the POS terminal interacts with a user identification module and performs transaction processing in accordance with the payment request; if the consumption sum is greater than the single-time consumption limit, the POS terminal produces and outputs a prompting message of inputting the payment password; the POS terminal receives the payment password and transmits a password verification request to the user identification module, wherein the password verification request includes the received payment password; and the user identification module verifies the payment password in the password verification request, interacts with the POS terminal after the payment password passes the verification and performs transaction processing in accordance with the payment request. Based on the condition that consumption based on the electronic wallet can meet small-payment transaction demands, the embodiment of the invention can effectively ensure the safety of the large payment.

Disclosed are a system and method for aggregating micropayment hash chains. An end user (the “payer”) cryptographically signs “commitments” and transmits then to a vendor. The commitments include an “accumulated count” field which tracks the total number of micropayments made thus far in the payment transaction between the payer and the vendor. The payer can also transmit payment tokens to the vendor. These payment tokens include micropayments verified by a hash chain. When the vendor seeks reimbursement from a broker, the vendor tells the broker the total number of micropayments in the payment transaction and sends verification information to the broker. The broker checks this information against a verification system established with the payer. If the information is verified to be correct, then the broker reimburses the vendor for the services provided and charges the payer. The verification information ensures that the payer and vendor cannot cheat each other.

The present invention provides a method for making anonymous micropayment in mobile environment and its authentication. It is characterized by that in the mobile micropayment the order message and quoted price message can be enciphered, then transferred into credit centre respectively by user and business unit, then the order message and the quoted price message can be deciphered by credit centre, and the identity of user and identity of business unit can be verified, so that the user and business unit can indirectly authenticate their mutual identities, and the business unit cannot know the true identity of the user. After that the user has enough funds to make payment is confirmed by liquidation centre, the confirmation message can be transferred into the credit centre, then the goods can be delivered to user by business unit, and the user can implement payment.

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.

A system, a method, and a computer readable medium for micropayment with varying denomination are disclosed. The method utilizes a secret value, a public information, a number base parameter, a bit parameter, and merged one-way hash chains to calculate a root for providing a certificate of a transaction among a customer, a merchant and a service device. Therefore, the purpose of varying denomination for micropayment system can be achieved and the trade safety and the efficiency during the transaction process can be enhanced as well.

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.

Various methods, apparatus, and systems are disclosed for improved micropayment arrangements that allow for versatile and efficient micropayments aggregation and distribution of funds. In accordance with one embodiment, a method of aggregating micropayments includes registering a plurality of seller accounts, each including content to be sold, and associating the content with a micropayment aggregation method, including pre-paid aggregation, post-paid aggregation, and time-delayed aggregation. The method further includes then charging a buyer account for purchases of content based on different micropayment aggregation methods associated with the content.

A method and a system for arranging for micropayment of transaction amounts related to micro-transactions transacted by a user are provided. In example embodiments, the method may include analyzing transaction conditions (e.g., availability of a stored value, a valid bank account, an Automated Clearing House (ACH) funding, a credit card account, or a transaction risk assessment result, associated with the user, and monetary value of the micro-transaction) and selecting a micropayment option for charging the transaction amount from a group of micropayment options, based on the transaction condition. The method may also include automatically applying the selected micropayment option for charging the transaction amount. According to example embodiments, the system may include a transaction analysis module and a payment processor.

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 method for payment with a limit code. On the basis of modern electronic equipment and electronic communication, a user generates an information code with the payment limit according to the payment requirement on a certified client side, and a merchant submits the electronic limit code and payment information of the user to a transaction settlement center for decryption, certification and settlement. The method has the characteristics that the user is not required to provide real cards such as bank cards and the like, the user can set the limit code freely, account information is encrypted, the payment limit is set, password inputting can be avoided for micropayment, a payment code is invalid after used once and the like, has the advantage of convenient payment of Quick Pass cards, and solves problems that the Quick Pass cards of banks are troublesome to recharge, the bank cards are stolen easily, unauthorized swiping and excessive swiping can occur, information is copied and the like. Thus, the method has very high value in aspect of convenient transaction payment as well as protection of user account and bank card security. The method is applicable to quick financial payment and settlement for on-the-spot transactions in fields such as supermarkets, shopping malls, traffic, parking lots and the like.

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.

A micropayment system and method is presented for a payor U to establish payment to payee M for a transaction T, which typically has a very low value TV. The micropayment scheme minimizes the bank's processing costs, while at the same time eliminating the need for users and merchants to interact in order to determine whether a given micropayment should be selected for payment. In one embodiment, the micropayment scheme includes time constraints, which require that an electronic check C for the transaction T be presented to a bank B for payment within a predetermined time / date interval. In another embodiment, the micropayment scheme includes a selective deposit protocol, which guarantees that a user is never charged in excess of what he actually spends, even within a probabilistic framework. In another embodiment, the micropayment scheme includes a deferred selection protocol, which provides the bank with control and flexibility over the payment selection process.

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.