343 results about "Mobile payment" patented technology

A mobile consumer device with a display, processor(s), and memory: identifies a merchant device in proximity to the consumer device based on broadcasted information transmitted by the first merchant device, the broadcasted information including a first identifier corresponding to the first merchant device; transmits the first identifier to a server and receives from the server an electronic communication including identification and transaction information associated with the merchant; displays the identification information, receives user selection of the merchant identification information; and in response, displays the merchant transaction information, receives supplemental user information, and transmits the supplemental transaction information to the server for completion of the transaction.

Disclosed herein are multispace parking pay stations comprising: at least one processor, a memory, a communications element, a printer, and a computer program including instructions executable by the at least one processor to create an application comprising: a software module receiving a unique identifier associated with a parking customer, the parking customer having executed a mobile payment for parking in a space associated with the pay station; a software module transmitting the unique identifier to a central parking management server and querying the central parking management server with the unique identifier to identify the parking customer and verify the mobile payment; and a software module generating and sending instructions to the printer to print a payment verification for the parking customer.

The invention discloses a mobile payment encryption system based on a data random algorithm, and the system comprises a collection module which is used for collecting multi-modal data, and constructing a cross-modal entropy source pool; the random seed generation module is used for extracting feature vectors from the cross-modal entropy source pool and generating initial random seeds; the time sequence self-adaptive random chain module is used for generating a random factor sequence based on the initial random seed recursion and forming a random chain structure; the encryption module is used for jointly encoding the random factor sequence and transaction data to be encrypted, generating a dynamic encryption parameter set and encrypting the transaction data; and the chain type updating module is used for collecting network environment parameters, updating the time sequence self-adaptive random chain and generating a new dynamic encryption parameter set so as to form a chain type evolved encrypted data sequence. According to the method, the cross-modal entropy source and the time sequence random chain are utilized to realize dynamic encryption of the mobile payment data, and the method has the advantages of high entropy randomness, strong attack resistance and high transmission security.

In examples, the claimed techniques comprise a point-of-sale (POS) application monitoring a POS device for an indication that a transaction has been initiated; contextually associating the POS device with a mobile payment application executing on a customer device to cause receiving an indication of the transaction initialized between the customer device and the POS device; the mobile payment application receiving at least a portion of transaction data generated by the POS application; the mobile payment application generating a payment-ready message that is configured for processing the transaction by the mobile payment application instead of the POS application and that includes at least the portion of the transaction data; and the mobile payment application presenting, on a display of the customer device, user interface element(s), at least one of which selectable to complete the processing of the transaction.

An intelligent system for interactive processes and experiences in the store, consisting of: a network of IoT sensors, including RFID readers, computer vision cameras, LiDAR sensors and environmental sensors, configured to capture real-time data on customer movements, product interactions and store conditions; an AI-powered analytics engine configured to process real-time and historical sensor data using machine learning models, customer behavior analysis, and forecasting techniques to generate dynamic insights into customer preferences, purchasing patterns, and inventory optimization; a real-time advertising module that is operationally connected to the AI-supported analysis engine, whereby the module dynamically generates and delivers personalized advertising content via digital signage, mobile applications, interactive kiosks or AI-supported smart carts based on individual customer profiles, customer traffic analyses and product demand trends; a subsystem for inventory management that includes RFID-based tracking, computerized shelf monitoring and predictive analytics, and is configured to automate inventory level detection, trigger replenishment alerts and optimize product placement in the store; an AI-driven workforce management module configured to dynamically allocate store staff based on real-time customer density, service demand, and predicted workload distribution, with staff assignments adaptively updated using AI-driven planning techniques; an interactive checkout subsystem that includes RFID-based automatic product identification, mobile payment integration, and AI-powered fraud detection; a cloud-integrated data processing server that communicates with the IoT sensor network and the AI-powered analytics engine, with the server performing distributed computing tasks to refine machine learning models, store historical data, and synchronize operational parameters across multiple retail locations; and a user interface system consisting of mobile applications, AR-enabled shopping assistants and voice-interactive kiosks, configured to provide customers with guided navigation, product recommendations and virtual try-on features based on real-time store interactions and AI-driven engagement models.

Systems and methods for automatically and dynamically adjusting credit limits associated with secured payment instruments in real-time as available balances corresponding to user accounts associated with mobile payment services change occur are provided. As transactions using a user account associated with a mobile payment service occur, the systems and methods provided obtain in real-time corresponding updates to the available balance associated with the user account. The systems and methods provided dynamically adjust the credit limit associated with a linked secured payment instrument in real-time according to the updates to the available balance.

A mobile device presents representations of payment accepting unit events on a display, by identifying a payment accepting unit that is available to accept payment, displaying a visual indication of the payment accepting unit, and accepting user input to receive selection of the payment accepting unit and trigger payment, establishing a wireless communication path including the mobile device and the payment accepting unit, enabling user interaction with the user interface to complete the transaction, exchanging information with the available payment accepting unit via the one or more radio transceivers in conjunction with the transaction, and displaying an updated user interface of the mobile payment application.

The invention relates to the technical field of information security and random number generation, and particularly discloses a method and a system for generating a random number by utilizing mobile phone holding micro-vibration and touch pressure, and the random number is generated by collecting physical behavior characteristics when a user holds a mobile terminal within preset time and combining sensor signal processing and a randomness extraction algorithm. The random number generation does not need external hardware support, the randomness is higher, the operation is simple and convenient, and the problems of insufficient randomness and complex operation caused by dependence on an external noise source or specific input in the prior art are solved. According to the method, the dependence on the external environment or additional hardware is avoided, the security, unpredictability and practicability of random number generation are remarkably improved through a multi-level security protection mechanism, reliable technical support is provided for the field of modern information security, and the method has the advantages of being easy to implement, low in cost and high in security and has wide application prospects. The method is suitable for popularization and application in multiple fields of mobile payment, Internet of Things, games and the like.

The invention provides a mobile payment transaction behavior analysis method based on spatial data, and the method comprises the steps: obtaining time series data of transaction amounts in different geographic regions, carrying out the feature extraction, and forming a transaction amount fluctuation feature set; correcting a weight value of spatial-temporal heterogeneity according to the fluctuation period, the adjacent region sensitivity and spatial-temporal change characteristics of the inter-region transaction intensity, and determining an adaptive spatial weight matrix; acquiring a historical distribution mode of the potential abnormal region set transaction data, analyzing a deviation degree between the current fluctuation amplitude and the historical mode, judging the authenticity of an abnormal signal, and determining an abnormal event list; and calculating the influence diffusion degree of the abnormal events on the surrounding area to obtain the variance expansion degree, adjusting the abnormal detection parameters according to the abnormal event list, optimizing the detection rule, and determining the spatial dependency relationship network.

The invention discloses a non-inductive payment method, device and equipment and a storage medium, and relates to the technical field of mobile payment, and the method comprises the steps: transmitting a Bluetooth signal of a gate to a mobile device when the gate detects the Bluetooth signal of the mobile device; the mobile device receives the Bluetooth signal sent by the gate, and activates the uwb chip according to the Bluetooth signal of the gate and the Bluetooth signal of the mobile device; the gate sends uwb chip information to the mobile device; the mobile device receives the uwb chip information sent by the gate, and obtains a riding two-dimensional code according to the uwb chip information of the mobile device and the uwb chip information of the gate; and the riding two-dimensional code is sent to a card reader of the gate machine, and the card reader carries out non-inductive payment of the riding two-dimensional code to pass the gate. According to the method, the uwb technology, the two-dimensional code technology and the information processing technology are fused, the problem that a user who opens a two-dimensional code to take a bus still needs to take out a mobile phone to punch the two-dimensional code every time and then scan the code at a gate machine code scanning position to pass through the gate to take the bus is solved, and the travel experience of passengers is improved.

Techniques described herein are directed to, among other things, enabling the use of contactless payment technology when customers and merchant are remote from one another by, for example, authorizing merchants to use payment hardware components residing on customer devices. For example, when a customer requests to purchase an item from a merchant via a ecommerce page of the merchant, a payment-processing service may authorize, at the request of the customer, the merchant to use an NFC reader residing on the customer device to accept payment information from a contactless card of the customer for satisfying a cost of the transaction.

1. The name of the design product: intelligent POS terminal (RP60-5.5 inches). 2. The use of the design product: the design product is used for financial POS terminal based on mobile payment scheme. 3. The design points of the design product: in shape. 4. The picture or photo that best indicates the design points: perspective view.

The invention discloses an NFC online travel method, a storage medium and a program product, relates to the technical field of mobile payment, and discloses an NFC online travel method comprising the following steps: obtaining user registration and login information; receiving and caching a user account number returned by an application end background according to the user registration and login information; reading a cached user last travel identifier according to the user account number; comparing the last journey identifier of the user with a journey identifier in the information tag of the equipment end, and judging the consistency of the journey identifiers; and performing user travel matching according to a judgment result of travel identifier consistency, and judging whether to execute asynchronous fee deduction operation or not according to a matching result. The information label configured at the device end is read through NFC, the application end is called, interconnection between the application end and the device is achieved, and an asynchronous payment online travel mode that a user takes a bus first and then pays is achieved through interaction with the background of the application end.

A mobile device presents representations of payment accepting unit events on a display, by identifying a payment accepting unit that is available to accept payment, displaying a visual indication of the payment accepting unit, and accepting user input to receive selection of the payment accepting unit and trigger payment, establishing a wireless communication path including the mobile device and the payment accepting unit, enabling user interaction with the user interface to complete the transaction, exchanging information with the available payment accepting unit via the one or more radio transceivers in conjunction with the transaction, and displaying an updated user interface of the mobile payment application.

The invention relates to the technical field of mobile payment, in particular to a dynamic adjustment method for a mobile payment password-free limit, which comprises the following steps: when a payment terminal initiates a payment request, acquiring a network environment, an equipment unlocking mode, an SIM card state, system integrity and a discrete state of an application environment in real time, and establishing an equipment security state vector; according to the invention, multi-dimensional acquisition is carried out on the network environment, the equipment unlocking mode, the SIM card state, the system integrity and the discrete state of the application environment, and the security state vector is constructed, so that the equipment security can be subjected to structured description before the transaction is initiated, and the security fluctuation characteristics during the operation of the equipment are captured; by means of a security product attenuation value generated by a security state vector and in combination with a highest password-free quota reference value set by a user, a comprehensive equipment security score is output in a nonlinear function form, and quantitative filtering of equipment credibility is realized in a previous stage of quota calculation.

The invention discloses a transaction monitoring method, device and system based on voice broadcast equipment. The method comprises the following steps: receiving a transaction success notification transmitted by a mobile payment device, and when the transaction amount is greater than the verification code broadcasting limit, encrypting the current transaction time and transaction amount by using a transaction symmetric key to obtain a transaction verification code, and sending the transaction verification code to the mobile payment device; the transaction verification code is pushed to a voice monitoring device bound with the merchant number, and the voice monitoring device monitors on-site voice of the voice broadcast device, analyzes the on-site voice, verifies the transaction verification code, and sends the verification code to the merchant number; and when the verification result indicates that the transaction verification code pushed by the acquirer transaction processing server is inconsistent with the transaction verification code obtained by analyzing the on-site voice, sending an alarm prompt to a target merchant indicated by the merchant number. According to the invention, the problem that money loss of merchants and low safety are easily caused when collection is carried out by adopting a voice broadcast sound box technology in the related technology is solved.

A mobile device case and a mobile device charging system are disclosed. The mobile device case is provided for a mobile device having at least one compartment closed by a mobile device door pivotable on a mobile device hinge. The mobile device case includes a protective shell and a mobile device case door. The protective shell is configured to surround and protect at least a portion of the mobile device. The mobile device case door is coupled to the protective shell via a mobile device case hinge. The mobile device case door is pivotable on the mobile device case hinge between a closed position and an open position. When the mobile device is accommodated within the protective shell, the at least one compartment is accessible by way of the mobile device door and the mobile device case door.

The invention provides a mobile payment end-to-end encryption communication method based on anti-quantum computing, and the method comprises the steps: obtaining payment transaction data of a client, splitting the payment transaction data according to payment fields, binding a corresponding user operation behavior tag for each payment field, and generating a field behavior pair; encrypting by using an anti-quantum encryption algorithm to generate a disturbance encryption ciphertext set; combining the disturbance encryption ciphertext set with the user operation behavior label and the channel number to form a structured ciphertext unit, and transmitting the structured ciphertext unit to a server; and determining whether the decrypted payment field and the user operation behavior tag conform to a predefined legal transaction process, if so, executing the transaction, and otherwise, refusing the transaction. Through the collaborative design of coding, replacement, encryption, label verification and inverse replacement decryption, anti-quantum security and transaction behavior control are deeply fused, the deployability and reproducibility of the scheme are ensured, and the overall security level of mobile payment is remarkably improved under the existing hardware condition.

The present invention generally relates to systems and methods for executing in-store payments using a third-party mobile wallet. More specifically, the present invention relates to systems and methods for executing in-store mobile payments with coupon and voucher redemptions automatically and in sequence. The invention can also be used in online and telephone-based payment transactions.

A mobile payment method, which includes steps of: starting a universal payment application; retrieving a mobile payment code, wherein the mobile payment code is a non-agreed payment code, and the non-agreed payment code is generated not corresponding to the universal payment application, and is not recognizable by the universal payment application; and the universal payment application providing a payment interface based on the retrieved mobile payment code. When the mobile payment code is the non-agreed payment code, the payment interface at least includes a financial transaction trigger link and / or a universal payment link. A mobile payment system applying the mobile payment method is also provided.

The invention relates to the technical field of mobile payment risk early warning, and discloses a mobile payment risk early warning and response system. The system collects vehicle information, ETC card information, toll station information, traffic conditions, transaction time and place and user behavior data in real time through a data collection unit, and a data analysis unit calculates transaction frequency, total transaction amount, transaction amount fluctuation rate, user account activeness and card balance change rate according to the transmission data. The risk early warning unit receives the mobile payment risk score and judges whether the mobile payment risk score exceeds a payment risk threshold value, if yes, early warning is triggered, an early warning signal is generated, and after the response management unit receives the early warning signal, a response mechanism is automatically started, transaction compliance is manually audited, and the mobile payment risk score is comprehensively calculated. And a processing result is recorded in a risk database for future analysis.

The utility model discloses a handheld mobile payment terminal which comprises a payment terminal body, a first groove is arranged on the front side wall of the payment terminal body and close to the lower side, an NFC assembly is installed at the bottom of the first groove, a second groove is arranged on the front side wall of the payment terminal body and close to the middle, and the NFC assembly is installed at the bottom of the second groove. A payment code recognition assembly is installed at the bottom of the second groove, a third groove is formed in the front side wall, close to the upper side, of the payment terminal body, and a camera shooting assembly is installed at the bottom of the third groove. According to the utility model, the NFC assembly can identify the NFC card or the NFC module, the payment code identification assembly can identify the payment code, and the camera assembly can identify the face of a payer, and the combination of the three components can effectively improve the payment effect of the payment terminal main body, meet the requirements of different consumers, and provide more convenient payment experience.

A mobile device presents representations of payment accepting unit events on a display, by identifying a payment accepting unit that is available to accept payment from a mobile payment application executing on the mobile device, displaying a visual indication of the payment accepting unit and accepting user input to receive selection of the payment accepting unit and trigger payment, establishing a wireless communication path including the mobile device and the payment accepting unit, enabling user interaction with the user interface to complete the transaction, exchanging information with the available payment accepting unit via the one or more radio transceivers in conjunction with the transaction, and displaying an updated user interface of the mobile payment application.

The invention discloses a dynamic road toll charging method and system based on vehicle types and vehicle driving paths. The method comprises the steps that 1, a target vehicle owner inputs vehicle information into a database in advance; 2, related information of a target vehicle is collected at an entrance of a toll road, and after a camera at the entrance of the road captures a vehicle image, the vehicle image is uploaded to a rear-end processing system through a 5G network and a communication line, and accurate recognition and processing of a license plate number of the target vehicle are achieved; 3, according to cameras installed at important nodes in the toll road, the cameras capture vehicle images in real time when the target vehicle passes by, and the driving path of the vehicle is calculated in combination with known camera information; and 4, the driving path of the target vehicle is calculated, and the system carries out real-time fee deduction through a vehicle-mounted payment device or a mobile payment platform. According to the invention, license plate recognition and path tracking are carried out on a driving automobile, the driving mileage is calculated, and dynamic road toll collection is realized.

Transaction identification is described. A payment processing platform can receive (i) transaction data associated with a transaction between a merchant and a customer and (ii) a transaction code from a payment making platform. The payment processing platform can receive an indication of an interaction between a computing device of the customer and the transaction code, wherein the indication is associated with context data associated with the interaction. Based at least partly on comparing the transaction data with the context data, determining that the customer is associated with the transaction and causing an association between the customer and the transaction, wherein the association causes at least a portion of the transaction data to be provided to a mobile payment application, associated with the payment making platform, on the computing device of the customer.

Introduced is a technology for withdrawing cash from a cash transaction machine (CTM) by use of a mobile payment application installed on a mobile device of a consumer user (“the CTM technology”). Briefly described, the CTM technology enables a consumer user to identify one or more CTMs from which to withdraw cash by using his / her mobile device (e.g., a smartphone) as a “virtual” card. A particular CTM can be a conventional ATM or a POS system at a merchant's place of business. The user can use a mobile payment application installed on the user's mobile device to identify any nearby CTMs, request a withdrawal amount from a particular CTM from the identified nearby CTMs, receive a transaction code specific to that particular CTM, and physically obtain, or collect, the cash representative of the withdrawal amount at that particular CTM using the transaction code.

This product is used in POS machines for financial payment and can support the processing of financial payment transactions such as scan code, unconnected cards, IC cards, and magnetic stripe cards.

The present invention provides an offline payment financial system and method based on blockchain, including: when one or both of a payment communication terminal or a payment communication terminal are offline, the payment communication terminal establishes a connection with the payment communication terminal and communicates with the payment communication terminal, the payment communication terminal receives payment data and payment account information sent by the payment communication terminal, the payment communication terminal verifies transaction information based on the payment data and the payment account information, the payment communication terminal completes payment processing based on the transaction information verification conclusion and feeds back the payment result and payment account information to the payment communication terminal, by establishing offline short-range communication, receiving payment data and payment account information, completing the processing of transaction bills in the offline state, and uploading the bill information, payment account information, and payment account information to the blockchain system, completing mobile payment in the offline state, and ensuring the normal operation of mobile payment in the absence of a network.

A method and apparatus for mobile payment transactions with a product dispenser. Various exemplary methods and devices are provided for electronically communicating with a product dispenser of a mobile device. Generally, a mobile device may request a secure connection with a product dispenser detected in proximity to the mobile device. The mobile device may transmit request data to a network cloud server to authorize a mobile payment application executing on the mobile device, and may receive response data from the network cloud server indicating that the payment application has been authorized to process a payment for a product dispensable from the product dispenser. Both the mobile device and the product dispenser establish a secure connection using the security key included in the response data regardless of whether the product dispenser has established a connection with the network cloud server.