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114 results about "Payment card" patented technology
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An ATM card is a payment card or dedicated payment card issued by a financial institution which enables a customer to access automated teller machines (ATMs). ATM cards are payment card size and style plastic cards with a magnetic stripe or a plastic smart card with a chip that contains a unique card number and some security information such as an expiration date or CVVC (CVV). ATM cards are known by a variety of names such as bank card, MAC (money access card), client card, key card or cash card, among others. Most payment cards, such as debit and credit cards can also function as ATM cards, although ATM-only cards are also available. Charge and proprietary cards cannot be used as ATM cards. The use of a credit card to withdraw cash at an ATM is treated differently to a POS transaction, usually attracting interest charges from the date of the cash withdrawal. Interbank networks allow the use of ATM cards at ATMs of private operators and financial institutions other than those of the institution that issued the cards.
Systems and methods facilitating connection of browsers having different transport layer security versions using a reverse proxy server
Aspects of the subject disclosure may include, for example, deploying a reverse proxy server in front of a first type of web servers and a second type of web servers, where the first type of web servers is compliant with a current version of payment card industry data security standard (PCI DSS) and supports a first version of a transport layer security (TLS) protocol, and where the second type of web servers supports one or more TLS protocols that are older than the first version of TLS protocol, detecting, using the reverse proxy server, a TLS protocol version used in an incoming request, and determining, using the reverse proxy server, routing of the incoming request to one of the first type of web servers and the second type of web servers at least based on the detected TLS protocol version. Other embodiments are disclosed.
Owner:AT&T INTELLECTUAL PROPERTY I L P
Processing a payment, by a secure computing system, from a payer to a payee operating a merchant computing system
Processing a payment transaction from a payer (operating a payer computing system) to a payee (operating a merchant computing system) by a secure computing system. The secure computing system outputs a financial account registration request form to the payer computing system (e.g., within a window or frame that is displayed within an ecommerce webpage provided by the merchant computing system) for the payer to provide sensitive financial account information, securely stores the sensitive financial account information, maintains compliance with an information security standard (e.g., a Payment Card Industry Data Security Standard), and provides a non-sensitive electronic data token representing the sensitive financial account information to the merchant computing system. The merchant computing system can then process the payment transaction using the sensitive financial account information represented by the non-sensitive electronic data token without actually receiving—and, therefore, having to secure—the underlying sensitive financial account information.
Owner:AUTOSCRIBE CORP
Biometric orchestration systems, platforms, and methods of facilitating biometric verification of individuals
PCT designated stageWO2026072845A1Cash registersDigital data authenticationBiologic AssaysBiometric data
Provided herein are systems and methods for authenticating users during payment transactions and other types of interaction events using biometric information. The disclosed systems involve a biometric orchestration platform that receives biometric data of a user from a biometric module or device, intelligently routes this data to a biometric verification service, and retrieves a positive identification if a match is found. This identification is then used in various ways, e.g., to retrieve a payment card token linked to the user's authorized payment method.
Owner:VERIFONE INC
Store proximity-based system for contactless transactions
Examples provide improved methods for authorizing contactless payment card transactions based on merchant proximity. Examples include identifying two historical card-present transactions that occur within a time interval using the same payment card and creating a merchant proximity pair that includes the two identified merchant locations. A first card-present payment card transaction using a first payment card at the first merchant location is authorized. After a contactless payment card transaction that uses the same payment card is received, this transaction is authorized if the first merchant location and the second merchant location are in a merchant proximity pair together, and if the contactless payment card transaction occurs within a time interval of the earlier transaction, thereby avoiding a decline of the contactless payment card transaction.
Owner:MASTERCARD INT INC
Dual-interface smart card
The present invention relates to a dual-interface smart card and / or payment card comprising a first antenna, a second antenna, a wire loop, various inlays, one or more metal layers, one or more printed PVC layers, and optionally one or more contact, non-contact, and / or integrated circuit chips. The first and second antennas are components of an antenna segment inlay designed to fit tightly within the outline of one or more metal layers.
Owner:PROTEC SECURE CARD +1
Card with magnet array
PendingUS20260111699A1Permanent magnetsRecord carriers used with machinesSoftware engineeringDriver's license
The present disclosure provides various cards (e.g., payment cards, identification cards, driver's license cards) that are removably attachable to a portable electronic device. In some aspects, the portable electronic device may include a charging coil, a ferromagnetic component disposed about the charging coil, and a ferromagnetic alignment component. The card can include a substrate and a magnet embedded the substrate. The magnet can magnetically couple to the ferromagnetic component disposed about the charging coil.
Owner:VISA INTERNATIONAL SERVICE ASSOCIATION
Systems and methods for end to end encryption utilizing a commerce platform for card not present transactions
ActiveUS12586077B2Cryptography processingElectronic credentialsEnd-to-end encryptionComputer network
A method and apparatus for processing a transaction between a merchant system and a customer system, the customer system associated with a customer of the merchant are described. The method may include receiving, at a commerce platform, a transaction request from the merchant system, wherein the transaction request is generated by the merchant system and comprises a card identifier and encrypted payment card data, wherein the card identifier is determined from card data for a payment card used in the transaction and the encrypted payment card data comprises at least an encryption of a payment account number. The method may also include decrypting, by the commerce platform, the encrypted payment card data using an encryption key selected based on the card identifier, the encryption key associated with the commerce platform. Furthermore, the method may include authorizing, by the commerce platform in communication with one or more authorization systems, the transaction using the decrypted payment card data.
Owner:STRIPE LLC
Digitization of payment cards for Web 3.0 and metaverse transactions
Systems and techniques for digitization of payment cards for Web 3.0 (“Web3”) and metaverse transactions are provided. The described systems and techniques allow for the use of non-fungible tokens (NFTs) to represent a payment token for making a payment inside a Web3 and Metaverse environment. Indeed, the described systems and techniques provide a financial NFT enabled representation of a payment card account as a token in a blockchain network, which can then be used to facilitate Web3 payments with real-time fiat to crypto exchanges.
Owner:MASTERCARD ASIAPACIFIC PTE LTD
Systems and methods for transaction authorization
ActiveUS12602690B2Character and pattern recognitionApparatus for dispensing fluids/granular materialsService provisionTransaction data
A set of user accounts are maintained, each associated with a corresponding mobile device. Each user account comprises a set of user-identifying features, including at least one of: an image of a user-identifying asset, and information that is derivable from an image of a user-identifying asset. Each user account also comprises the location of the associated mobile device and transactional data, such as payment card data, for performing a transaction. An image of a user-identifying asset is captured at a known service location, and a match is determined with one of the user accounts dependent on image and location similarity. The use of transactional data from the matched user account is therefore authorized, and so service provision at the service location is permitted.
Owner:TYTONICAL LTD
Booking management system
Secure authentication and delayed transaction processing for booking management systems is provided. Third-party services partner with booking management systems to aggregate and list offerings of the third-party services in a digestible display on a one-stop platform. A booking management system can manage the authentication of payment card information on behalf of any number of such third-party services. The booking management system can maintain and process authentication information associated with traveler payment cards, and provide virtual payment information to the third-party services for payment following chargeable events. The third-party services may later initiate a transactions using the virtual payment information, without being required to perform authentication processing on the traveler payment card information maintained by the booking management system.
Owner:EXPEDIA INC
Context-aware image generation system and method therefor
In some embodiments, a computer-implemented method, includes capturing, for a payment network associated with a payment card of a user of a digital platform, context-aware image generation data; generating, at the payment network associated with the payment card, a context-based personalized prompt based upon the context-aware image generation data, the context-based personalized prompt being associated with the user of the digital platform; utilizing the context-based personalized prompt to generate a context-aware image, the context-aware image being a transformer-based context aware image; and providing the context-aware image to the digital platform for dynamic view by the user of the digital platform. In some embodiments, the computer-implemented method further includes transforming the context-based personalized prompt into a context-based text embedding in order for the context-aware image to serve as the transformer-based context aware image.
Owner:VISA INTERNATIONAL SERVICE ASSOCIATION
Method for producing a value document and value document
The invention relates to a method for producing value documents (1), such as banknotes, checks, credit cards or other payment cards, identity cards or the like. A substrate body (2) having a front side (3) and a rear side (4) is provided, and a printing layer (6) is printed onto the front side (3) of the substrate body (2) using a first ink (5) and a second ink (15). The magnetically orientable pigment is orientated using a magnet device (11), and then the magnetically orientable pigment is fixed by a curing matrix in the orientated state using a curing device (13). At least the first ink (5) is printed in a digital printing process by means of a first print head (7) which releases the first ink (5) in a dot grid in the form of drops such that the printed layer (6) forms a digital printed layer at least with respect to the first ink (5), the first ink (5) and the second ink (15) having two different colors, and the magnetically orientable pigments each comprise a multi-layer composite structure comprising at least a magnetic layer.
Owner:GIESECKE & DEVRIENT CURRENCY TECHNOLOGY GMBH
Systems and methods for account matching based on partial profile data
Systems and methods for account matching based on partial profile data are disclosed. According to one embodiment, in an information processing apparatus comprising at least one computer processor, a method for account matching based on partial profile data may include: (1) receiving, from a merchant, partial payment card information for a merchant customer, wherein the merchant customer is also a financial institution customer; (2) querying a database to identify a plurality of payment card accounts matching the partial payment card information; (3) requesting a transaction over a payment network for the plurality of payment card accounts matching the partial payment card information; (4) monitoring the payment network for the transaction involving one of the plurality of payment card accounts matching the partial payment card information; and (5) associating the payment card account involved in the transaction as the payment card account associated with the merchant customer.
Owner:JPMORGAN CHASE BANK NA
Information processing methods, devices, readable storage media and program products
In some cases, an information processing method, apparatus, readable storage medium, and program product are provided. The method includes: in response to a first operation on first issuer information or a first control, outputting information of a plurality of first payment cards; wherein the first payment cards are associated with a first user; the plurality of first payment cards are associated with at least one issuer; receiving a second operation, the second operation instructing the selection of at least two second payment cards from the plurality of first payment cards; and in response to the first user confirming the association of the at least two second payment cards with a first payment account, triggering the association of the at least two second payment cards with the first payment account; wherein the first payment account is associated with the first user.
Owner:BEIJING ZITIAO NETWORK TECH CO LTD
Multi-factor user authentication
A system for multi-factor user authentication for payment card-based transactions are described. The multifactor authentication may be based on a one-time passcode / password (OTP) as sent by an authentication server. A user device may, based on receiving the OTP, send an authentication code. The authentication code may be generated / determined based on the OTP. The authentication code may be augmented biometric identifier (ID) of a user associated with the user device. The authentication server may validate a transaction based on the authentication code.
Owner:BANK OF AMERICA CORP
Identification method, device, and corresponding program
The invention relates to a method for identifying a user to access a good or service. [0002] According to the invention, said method comprises: - a step of presenting a payment card to a terminal by the user to be identified; - a step of executing a payment transaction by the terminal for a zero amount; - when said payment transaction is executed without error, a step of issuing an identification assertion that grants access to the good or service.
Owner:BANKS & ACQUIRERS INT HLDG SAS
Systems and methods for smart card online purchase authentication
PendingUS20260120065A1Cryptography processingProtocol authorisationUser deviceGraphical user interface
A method of authenticating a transaction includes receiving, by a computing system, an authentication request regarding the transaction including an authentication code from a user device and payment information regarding a payment card. The authentication code includes a cryptogram provided to the user device by a smart card via a first short-range wireless communication between the user device and the smart card. The user device receives the payment information by an input via a graphical user interface. The method includes authenticating the transaction by decoding the authentication code to reveal card information associated with the smart card and the cryptogram, validating the cryptogram by determining it was generated by the smart card, and verifying that the payment card is the smart card by determining that the payment information at least partially matches the card information. The method includes transmitting, based on authenticating the transaction, an authentication approval for the transaction.
Owner:WELLS FARGO BANK NA
Improved computer-implemented systems and methods for secure electronic transmissions
PendingCN122122612ACoded identity card or credit card actuationProtocol authorisationElectronic transmissionUser device
The present disclosure provides a solution to emulate a secure device, such as a payment terminal or a device / resource access controller on a user device. In a preferred embodiment, the user device is a commercial off-the-shelf device, such as a mobile phone, tablet or laptop, etc. Once a triggering event is detected, a software component provided on the user's device acquires configuration data that enables the emulation of the secure device within the secure part of the user device. The emulation is intended to acquire relevant data for the intended transaction between the user and the terminal owner (e.g. merchant), as well as data from the user, such as but not limited to authentication data (e.g. PIN code), payment card data, etc. The data acquired by the user device can be sent to the acquirer of the merchant to enable the transaction to proceed.
Owner:伯班克软件有限公司
System and method for personalizing electronic payment systems, particularly through payment cards, and / or access to additional digital services
A system and method for personalising the content of a customer’s 20 restricted area or account of an electronic payment website comprises a user device 12 preparing a user identifier (ID) with a refe
Owner:MIFFIPAY LTD
System and computer-implemented method for generating tourism spend data
The present disclosure relates to a computer-implemented method (300), comprising: retrieving (302) data from a first dataset, wherein the first dataset comprises cross-border transaction data identifying transactions carried out using one or more payment cards, wherein the first dataset comprises data at a first level of time granularity; retrieving (304) data from a second dataset, wherein the second dataset comprises data identifying a total value of tourism-related transactions within a particular region, wherein the second dataset comprises data at a second level of time granularity that is lower than the first level of time granularity; and generating (306) a third dataset comprising data at the first level of time granularity by adjusting the data from the first dataset using the data from the second dataset.
Owner:MASTERCARD INT INC
Parking control system
PendingUS20260148591A1Ticket-issuing apparatusCharacter and pattern recognitionComputer hardwareControl system
A parking control system for authorizing parking of a vehicle within a geographic area includes: an integrated smart sign, including: a display configured to display information; at least one camera configured to receive image data, the image data including an imaged customer license plate number; communication circuitry configured to transmit signals to a remote processor; a near field communication (NFC) reader configured to receive a payment signal from one of a mobile device or a payment card, wherein the payment signal includes payment information; and a processor configured to communicate with the display, the at least one camera, and the communication circuitry, wherein the processor is configured to cause the display to display payment instructions including requesting a customer to enter an entered customer license plate number, and wherein the processor is configured to cause the communication circuitry to transmit the imaged customer license plate number, the entered customer license plate number, and the payment information to a remote processor.
Owner:MINDIT HOLDINGS LLC
Methods and systems for determining risk associated with tokenization of payment cards
Methods and systems for determining risk associated with tokenization of payment cards are disclosed. The method performed by a server system includes receiving a tokenization request message requesting for a tokenization of a payment card of a cardholder for a particular merchant from a token requester. The tokenization request message includes card credential information. Further, the method includes accessing a cardholder-token feature set corresponding to the cardholder and a token requester feature set corresponding to the token requester from a database associated with the server system based, at least in part, on the card credential information. Furthermore, the method includes generating, by a Machine Learning (ML) model associated with the server system, a risk score indicating a risk corresponding to a transaction associated with the tokenization request message based, at least in part, on the cardholder-token feature set, the token requester feature set, and scoring criteria.
Owner:MASTERCARD INT INC
Online authentication in access transactions
Embodiments of the invention are directed to access transactions. A gate access device may interact with a payment card such as a credit card. The gate access device may generate and transmit a first authorization request message to a payment processing network computer. The first authorization request message does not include an amount for the transaction, but only contains identification information. A first authorization response message is transmitted back to the gate access device. At a later point in time, a second authorization request message containing the transaction amount is transmitted from the gate access device to the issuer, and a response is received from the issuer.
Owner:VISA INTERNATIONAL SERVICE ASSOCIATION
Systems and methods for performing an action on a digital asset
A computer system comprises a communications module; a processor coupled to the communications module; and a memory coupled to the processor, the memory storing processor-executable instructions which, when executed, configure the processor to receive, via the communications module, a signal that includes an ownership key associated with a digital asset minted on a payment card network; store the ownership key associated with the digital asset in a digital wallet; send, via the communications module and to the payment card network, a signal that includes a request to perform an action on the digital asset using the ownership key; receive, via the communications module and from the payment card network, a signal that indicates permission for the action to be performed on the digital asset; and perform the action. Automatic anomaly detection may be performed.
Owner:THE TORONTO DOMINION BANK
Touch pre-provisioning device binding technique
Systems and methods of provisioning tokens for use by a digital wallet of a user device via tap provisioning and tap provisioning device binding techniques are disclosed. In one aspect, a computer-implemented method by a user device retrieves a payment card identity and a cryptogram of a payment card via communication between the user device and the payment card associated with a payment account. The user device also sends a token provisioning request to a service provider, the token provisioning request including the payment card identity, the cryptogram, and a device identity of the user device. Finally, the user device receives a token provisioning response from the service provider including a provisioned token, wherein the token provisioning response is based on the payment card identity and the cryptogram, and wherein the token provisioning response is cryptographically bound to the user device based on the device identity.
Owner:VISA INTERNATIONAL SERVICE ASSOCIATION
Secure processing of central bank digital currency (CBDC) card payments
ActiveUS12591870B2Cryptography processingPoint-of-sale network systemsDigital currencyComputer network
Central bank digital currency (CBDC) tokens are used for payment in a transaction initiated by a payment card at an acquirer's point-of-sale. To facilitate these transactions, a card issuer node in a distributed ledger environment receives a payment message from a payment terminal. The payment message, comprising a request to conduct a CBDC-based transaction, contains a signature transmitted to the payment terminal by a payment card. The card issuer node generates a signature data structure that contains the signature. The card issuer node also generates a transaction message containing components of the transaction, such as a number of tokens to be transferred, a current owner of the tokens to be transferred, an intended acquirer of the tokens, a currency type of the tokens, and / or instructions for validating the transaction. The transaction is validated based at least in part on the signature data structure in the transaction message.
Owner:R3 LTD +1
Procedures for producing a security document and security document
The invention relates to a method for producing a security document (1), such as a banknote, a check, a credit or other payment card, an identification card, or the like. A substrate body (2) having a front (3) and a back (4) is provided, and a printing layer (6) is printed onto the front (3) of the substrate body (2) using a first ink (5) and a second ink (15), both comprising magnetically alignable pigments. The magnetically alignable pigments are aligned using a magnetic device (11) and subsequently fixed in the aligned state by curing a matrix using a curing device (13).-At least the first ink (5) is printed in a digital printing process by means of a first printhead (7) which dispenses the first ink (5) in droplet form according to a dot matrix, so that the printing layer (6) is formed as a digital printing layer at least with respect to the first ink (5), wherein the first ink (5) and the second ink (15) have two different colors, and the magnetically alignable pigments each comprise a multilayer composite which includes at least one magnetic layer.
Owner:GIESECKE & DEVRIENT CURRENCY TECHNOLOGY GMBH
Parking control system
PCT designated stageWO2026112636A1Ticket-issuing apparatusImage analysisComputer hardwareControl system
A parking control system for authorizing parking of a vehicle within a geographic area includes: an integrated smart sign, including: a display configured to display information; at least one camera configured to receive image data, the image data including an imaged customer license plate number; communication circuitry configured to transmit signals to a remote processor; a near field communication (NFC) reader configured to receive a payment signal from one of a mobile device or a payment card, wherein the payment signal includes payment information; and a processor configured to communicate with the display, the at least one camera, and the communication circuitry, wherein the processor is configured to cause the display to display payment instructions including requesting a customer to enter an entered customer license plate number, and wherein the processor is configured to cause the communication circuitry to transmit the imaged customer license plate number, the entered customer license plate number, and the payment information to a remote processor.
Owner:MINDIT HOLDINGS LLC
Systems and methods for contactless smart card authentication
Systems, methods, and computer-readable storage media of activating a card having a contactless chip are provided. One method includes receiving, from a mobile device via a wireless transmission from the card having the contactless chip to the mobile device, a cryptogram, and decrypting the cryptogram to reveal information. The method further includes comparing the revealed information regarding at least one of the card or the user to information in a customer database, confirming the revealed information, and updating the customer database to indicate that the revealed information regarding the at least one of the card or the user is confirmed. The method further includes activating the card for an initial card transaction based on updating the customer database, and providing, to the mobile device, a payment card token associated with the card as part of a mobile wallet transaction using the mobile device involving the card.
Owner:WELLS FARGO BANK NA
Payment card replacement device
PendingUS20260099833A1Payment architectureRecord carriers used with machinesEngineeringRadio frequency
Instant payment card replacement involves a computing device receiving a request to replace a user's payment card. The device receives and verifies identity information from a mobile wallet of the user. Upon verification, the device provisions and provides a physical payment card. The method may also include provisioning a digital payment method to the mobile wallet. Identity information can be received via Radio Frequency Identification or by scanning an encoded image, such as a QR code. The physical card can be printed from a blank card or an unallocated pre-printed card may be provided.
Owner:WELLS FARGO BANK NA