235 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.

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.

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.

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 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 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 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.

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.

Various exemplary methods and devices for product dispenser electronic communication with a mobile device are provided. In general, a mobile device can request a secure connection with a product dispenser detected in the proximity of the mobile device. The mobile device can transmit request data to a network cloud server to authorize a mobile payment application executed on the mobile device, and can 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. The mobile device and the product dispenser establish a secure connection using a secure key included in the response data, regardless of whether or not the product dispenser has established a connection with a network cloud server.

The invention provides a resource processing method and device, equipment and a storage medium, and is applied to the technical fields of cloud computing, mobile payment, resource processing and the like, and the method comprises the steps that terminal equipment displays a resource transaction interface in response to a selection operation of a resource holder on a target resource product, a hiding strategy input by the resource holder in a hiding strategy input box displayed on the resource transaction interface is received, a resource hiding transaction request is sent to the resource transaction server, and the resource hiding transaction request comprises the hiding strategy. And the resource transaction server generates a target resource transaction order based on the resource hiding transaction request, hides the target resource transaction order, and performs hiding removal processing on the target resource transaction order when detecting that the transaction information of the target resource transaction order meets the hiding strategy. According to the method, the target resource transaction order is hidden and displayed when the hiding strategy is met, so that the processing effect of the resource transaction can be improved.

The utility model relates to a shading device for mobile payment equipment of a toll lane. The shading device for the toll lane mobile payment equipment comprises a bottom plate and further comprises two sliding rails symmetrically arranged on the upper end face of the bottom plate, sliding blocks are slidably connected into the sliding rails, and the upper end faces of the sliding blocks are connected with a shading plate; the miniature electric push rod is arranged on the upper end face of the bottom plate and located between the two sliding rails, and the movable end of the miniature electric push rod is fixedly connected with the shading plate. The movable end of the miniature electric push rod is controlled to extend to push the light shielding plate to move, the light shielding plate drives the sliding block to slide in the sliding rail in the axial direction of the sliding rail, the position of the light shielding plate is changed, the light shielding plate shields sunlight perpendicular to the mobile payment camera, and the camera can smoothly complete code scanning payment action; therefore, the problem of payment failure caused by overexposure is avoided. In this way, the toll collector can complete payment without stretching out of the sentry box to shield sunlight, and the problem of large potential safety hazards is avoided.

A QR code-based bill-linked PG service system and service method for enabling a payer to check a QR code-based bill with his or her smartphone and make payment through a PG linked to the bill. The system includes a service terminal for receiving billing information and requesting generation of an open bill in form of a QR code, a payment server generating the requested open bill and providing the requested open bill to the service terminal, and a smartphone-type payer terminal scanning the open bill displayed on the service terminal. The payment server verifies a payment bill linked to the open bill when the payer terminal scans the open bill, and then allows a mobile PG service to be displayed on the payer terminal such that a payer is able to make mobile payment using a service of a payment company desired by the payer.

The charging pile with the mobile payment function comprises a charging device, a limiting frame is arranged on the inner wall of the front end of a fixed base plate, an intelligent payment device is arranged in the limiting frame, fixed grooves are formed in the inner walls of the two ends of the charging device, an annular base body is arranged between the inner walls of the fixed grooves, and a mobile payment device is arranged in the annular base body. A driving rod is arranged at the output end of the micro motor, an annular mounting piece is arranged on the inner wall of the side end of the driving rod, and cooling fan blades are arranged on the inner wall of the side end of the annular mounting piece. According to the charging pile with the mobile payment function, heat dissipation meshes and heat dissipation fan blades are used in cooperation, cooling and heat dissipation can be carried out on workpieces in the charging pile, the phenomena of short circuit and the like of the charging pile caused by high temperature are prevented, and the charging pile is convenient to install through a limiting frame convenient to install. And a worker can conveniently install and use the device workpiece, later installation and disassembly are facilitated, and the use convenience of the device is improved.

A mobile device is used to initiate and execute a transaction between a customer and a merchant. A mobile device is used to initiate a point of sale transaction, wherein a merchant ID is sent to a payment processing server. Responsive to receiving a communication from the mobile device, the payment processing server requests transaction information from the merchant, wherein the merchant is identified based on the provided merchant ID. The merchant can provide transaction information such as the total sale amount to the payment processing server. The payment processing server can authenticate the customer and initiate a purchase transaction with the appropriate financial institutions associated with the customer and the merchant. The payment processing server can send a confirmation of the executed transaction to the merchant and the mobile device.

The invention discloses an LK-LINK communication protocol system for game equipment, which is characterized in that a data frame structure design layer, an instruction definition layer and an interface layer are designed to establish a unified standard for communication between coin collectors and hosts of the game equipment, and the instruction definition layer defines an interaction instruction, so that the coin collectors and the hosts of different manufacturers follow the same rule for communication; the interface layer provides a standardized butt joint mode, can be seamlessly connected with various Internet of Things gateway devices, breaks the situation that manufacturers take measures independently, solves the problem of incompatibility of the devices, reduces the upgrading and replacing cost and difficulty of the devices, and improves the ecological compatibility and expansibility of the game devices. Meanwhile, the interface layer enables the coin collector and a host system to be accessed to a network, an operator can remotely manage game equipment, such as monitoring the state of the coin collector in real time, collecting revenue data, carrying out online firmware upgrading and integrating a mobile payment system, so that the operation efficiency is greatly improved, and the workload and cost of manual field operation are reduced; and the equipment operation condition can be timely mastered and responded.

The invention discloses a code scanning payment method, and relates to the technical field of mobile payment, and the method comprises the steps: receiving an image frame transmitted by a glasses end through a vehicle terminal; marking the two-dimensional code to be decoded in the image frame, and transmitting the marked image frame to a display module; after a two-dimensional code selection instruction input for the displayed image frame is received, determining a target two-dimensional code, and stacking the target two-dimensional code to a preset scanning area; and decoding the target two-dimensional code in the preset scanning area to obtain the to-be-verified payment information, and calling a payment application for payment after receiving a payment confirmation instruction. According to the invention, a user can visually observe and accurately select the target two-dimensional code through the vehicle-mounted terminal display module in a multi-two-dimensional code scene, the risk of scanning irrelevant codes by mistake is avoided, and the visual feedback defect of a glasses terminal without a light machine display module is made up by using the interactive display capability of the vehicle-mounted terminal. The accuracy and efficiency of code scanning payment through the AI glasses in the driving scene are improved.

To reduce the operational complexity generated when using services of multiple common carriers in a case of using a mobile terminal and the time and effort required for searching for and arranging necessary information.SOLUTION: A system that utilizes generative artificial intelligence installed in a mobile terminal and is linked with services of various common carriers, comprises a function which enables interaction through the operation of a dedicated button, and collectively performs processes of providing operational guidance, providing a consultation related to recommended videos in video-sharing sites, searching for stores that accept mobile settlement services, and arranging proxy services and taxis.SELECTED DRAWING: Figure 1

The invention provides a payment processing method and device, equipment and a storage medium, which can be applied to the technical fields of mobile payment, cloud computing, distributed systems, block chains and the like, and comprises the following steps: a public forwarding proxy server receives a first service request sent by terminal equipment; when the first URL of the first service request comprises the identification information of the first public gateway interface, a target payment server where the first public gateway interface is located is selected from N payment servers based on the identification information of the first public gateway interface, and the N payment servers are used for supporting different payment services; at least part of the public gateway interfaces configured on the N payment servers are obtained by splitting the public gateway interfaces of the first type; and sending the first service request to the target payment server, so that the target payment server processes the first service request through the first public gateway interface. Therefore, the management and maintenance reliability of the payment service is improved, and the payment processing performance and efficiency are improved.

A method, system and computer program product for integrating a mobile payment application with other mobile applications while preventing security exposures. A set of application programming interfaces of mobile applications that may possibly be utilized by a pass created by a mobile payment application is generated in response to receiving an indication that the pass was created. A “pass,” as used herein, refers to a form of mobile payment, such as a gift card. A selection of these application programming interfaces may then be received to interact with the created pass. In this manner, the existing mobile applications are seamlessly integrated with the features of passes. Furthermore, a virtual container is created for the created pass and the selected application programming interfaces to interface with the created pass. By creating such a container, the data to be exposed to the application layer can be controlled.