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581 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.
Charge card knowledge chatbot
An example operation may include one or more of storing a database of payment card data, conversing with a user via a chatbot within a chat window of a software application, wherein the conversing comprises receiving a query from the user about a payment card during a chat session between the user and the chatbot, executing a large language model (LLM) on the query about the payment card and the database of payment card data to generate a chatbot response, and displaying the generated chatbot response via the chatbot within the chat window of the software application during the chat session.
Owner:THE TORONTO DOMINION BANK
Proactive benefit scan
An example operation may include one or more of receiving an identifier of a product from a digital wallet on a user device, identifying one or more payment cards stored within the digital wallet on the user device, determining benefits that will be obtained by using each of the one or more payment cards to purchase the product via execution of an LLM on the identifier of the product and a corpus of credit card documents, and displaying a chat message within a chat window on the user device with a description of the determined benefits that will be obtained.
Owner:THE TORONTO DOMINION BANK
GenAI LETTER OF CONFIRMATION OF BENEFITS
An example operation may include one or more of storing a data store of credit card documentation, conversing with a user via a chatbot within a chat window of a software application, wherein the conversing comprises receiving natural language inputs with requests for information about a payment card, identifying a benefit obtained by the user based on the conversation, executing a large language model (LLM) on the identified benefit and the data store of the credit card documentation to generate a letter of confirmation, and generating an electronic message with the letter of confirmation attached, and transmitting the electronic message to a user device.
Owner:THE TORONTO DOMINION BANK
Dynamic push notifications
An example operation may include one or more of storing a database of payment card data, receiving an identifier of a product from a digital wallet on a user device, identifying one or more payment cards stored within the digital wallet on the user device, determining the benefits that will be obtained by using each of the one or more payment cards to purchase the product via execution of an LLM on the identifier of the product and the database of payment card data; and displaying a chat message within a chat window on the user device with a description of the determined benefits that will be obtained.
Owner:THE TORONTO DOMINION BANK
Physical and Digital Card
Aspects of the disclosure relate to a method of generating a personalized payment card. In some arrangements, the generated payment card may include on board circuitry and architecture to prevent unauthorized use of the payment card. In some instances, the generated payment card may be a temporary payment card with a fixed transaction limit amount that may or may not be reloadable. The designed personalized payment card may be 3D printed and initialized by a card generating and alerting computing platform.
Owner:BANK OF AMERICA CORP
Systems and methods for monitoring fraud associated with temporary payment cards
Disclosed embodiments may include a system for monitoring fraud. The system may receive, via an automated teller machine (ATM), personally identifiable information associated with a user, may authenticate the user, and may generate a temporary account number. The system may dispense, via the ATM, a payment card associated with the temporary account number. The system may receive, via a merchant point of sale (POS) terminal, an attempted transaction associated with the payment card. The system may determine, using machine learning models (MLMs), a likelihood of fraud associated with the attempted transaction, wherein the MLMs are trained based on attempted transaction(s) associated with an identified plurality of previously generated payment cards each associated with a respective temporary account number generated responsive to authenticating a respective associated user. The system may determine whether the likelihood of fraud exceeds a threshold, and responsive to such determination, may approve the attempted transaction.
Owner:CAPITAL ONE SERVICES LLC
Dynamic push notifications
An example operation may include one or more of storing a database of payment card data, receiving an identifier of a product from a digital wallet on a user device, identifying one or more payment cards stored within the digital wallet on the user device, determining the benefits that will be obtained by using each of the one or more payment cards to purchase the product via execution of an LLM on the identifier of the product and the database of payment card data; and displaying a chat message within a chat window on the user device with a description of the determined benefits that will be obtained.
Owner:THE TORONTO DOMINION BANK
Hardware wallet for different host devices to perform digital payments
PendingUS20250299179A1Cryptography processingPoint-of-sale network systemsMicrocontrollerPayment system
A hardware wallet can enable management of digital assets. The hardware wallet includes a microcontroller and a non-volatile flash memory. The hardware wallet can authorize an electronic device to perform electronic payments with digital assets on a blockchain associated with keys of a digital wallet stored on the non-volatile flash memory. The electronic device is authorized to perform electronic payments in response to user input and while the electronic device hosts the hardware wallet. The hardware wallet can also enable a payment card to perform electronic payments with the digital assets while the hardware wallet is disposed on the payment card. As such, electronic payments are authorized based on a communication exchange between the hardware wallet and a remote server of a payment system via a point-of-sale (POS) system that accepts the payment card.
Owner:SOLANA MOBILE INC
Occasion-based proxy transaction account groups
Disclosed are various embodiments for creating a proxy transaction account for a group of members (e.g., consumers) to use when sharing occasion-based expenses (e.g., trip expense, party expenses, etc.). In various examples, a proxy transaction account for a group of members can be created and a payment instrument (e.g., a physical or virtual payment card) associated with the proxy transaction account can be presented to a merchant to pay for the goods or services associated with a transaction. According to various examples, the transaction amount for the transaction can be split and the respective split amount can be applied to each member payment account of the group of members or the transaction amount can be applied to one or more selected member payment account(s) of the group of members in order to maximize reward offers associated with the transaction.
Owner:AMERICAN EXPRESS TRAVEL RELATED SERVICES CO INC
Representation of payment cards in metaverse
A computer system for implementing a non-fungible token (NFT) as a payment object in a metaverse space. The system includes one or more processors and non-transitory computer-readable storage media encoding instructions which, when executed by the one or more processors, causes the computer system to create: a mint engine programmed to generate an NFT having a unique visual appearance, the NFT being associated with a currency account and including an authorization credential for the currency account; a ledger engine programmed to maintain the NFT on a ledger; a wallet engine programmed to generate a presentation of the NFT in response to a user request, wherein the presentation includes the visual appearance of the NFT to provide a visual representation of the authorization credential; and a transaction engine programmed to access the currency account, based on the authorization credential, in response to a payment request.
Owner:WELLS FARGO BANK NA
Dynamic customized incentives for installment payment plans
Examples provide dynamic incentives for installment payment plans. A request for a dynamic incentive associated with an installment payment plan is received. An incentives manager analyzes transaction data, associated with a transaction performed on a merchant application or a website, using a set of user-configured rules to generate dynamic incentives in real-time. The incentives are customized for each user such that two users presented with the same installment payment plan are offered different incentives based on their previous transaction history, merchant preferences, dynamic market trends data, and / or payment card data. The incentives can be prioritized using scores and / or rankings enabling the system to present the highest priority incentives to the user. The customized incentives are presented to the user with the installment payment plans in real-time during completion of the transaction. By offering incentives to the user, user stay on the merchant application or the website is extended.
Owner:MASTERCARD INT INC
Payment cards with activated information displays
Payment cards with activated information displays are described. In one embodiment, a payment card may include: a first layer; a second layer comprising an elastic material; an actuator; and an information layer between the first layer and the second layer, comprising: a plurality of information voids; and a microfluidic channel that communicates the plurality of information voids with the actuator. A fluid may be provided in the microfluidic channel such that when the actuator is depressed, fluid flows into the information voids making the information voids visible through the second layer, and when the actuator is released, the fluid flows out of the information voids making the information voids substantially invisible through the second layer.
Owner:JPMORGAN CHASE BANK NA
Computer-based system for providing touchless transactions at automated teller machines
Techniques are described for providing touchless ATM transactions based on receipt of a pre-staged transaction initiated by an authenticated user via an online banking system of a bank and subsequent receipt of a cryptogram of the user's payment card at an ATM. A server device receives transaction data for the pre-staged transaction from a user computing device via a user interface of an application associated with the online banking system. The server device associates the pre-staged transaction with a bank account including one or more payment cards of the user. The server device later receives a cryptogram of a payment card from an ATM and, based on identification information included in the cryptogram, determines that the payment card at the ATM is one of the payment cards of the bank account associated with the pre-staged transaction. In response, the server device authorizes performance of the pre-staged transaction at the ATM.
Owner:WELLS FARGO BANK NA
Systems and methods for authentication based on personal network
A financial institution computing system includes a network circuit exchanging information over a network, a customer database storing financial information, and a transaction circuit. The transaction circuit receives a transaction request associated with a user computing device. The transaction request specifies a financial account. The transaction circuit receives payment card location information indicative of a location of a payment card with respect to the user computing device. The payment card location information indicates that the payment card is within a threshold distance of the user computing device. The transaction circuit authenticates the transaction request using the payment card location information and by determining whether the payment card is associated with an authorized user of the financial account. The transaction circuit authorizes the transaction request based on whether the transaction request is authenticated and transmits a confirmation to a transaction terminal over the network via the network circuit.
Owner:WELLS FARGO BANK NA
Systems and methods for session-scoped virtual identities bound to compliance jurisdiction tokens
A system for privacy-preserving communication and compliance enforcement is disclosed. The invention introduces Virtual Identities (VIs) and Virtual Numbers (VNs) cryptographically bound to Compliance Jurisdiction Tokens (CJTs) generated in secure enclaves. Each CJT carries session identifiers, expiry, consent artifacts, and jurisdictional codes covering GDPR (EU), CCPA (US), HIPAA, PSD2, PCI-DSS, FATF AML, the Digital Personal Data Protection Act (India), and the Personal Information Protection Law (China). Forwarding of calls, payments, or data packets is blocked unless VI–CJT validation and ledger anchoring succeed. Unlike tokenization, the system enforces real-time consent revocation, immutable regulator-verifiable audit, cross-border adequacy validation, and dual cryptographic signatures (RSA / ECC with post-quantum upgrade). Industrial use spans telecom, finance, healthcare, e-commerce, SaaS, and IoT, ensuring privacy-by-design and data protection obligations are enforced at protocol level.
Owner:DAS SANGAM
Systems and methods for smart card mobile device authentication
PendingUS20250165963A1Payment schemes/modelsProtocol authorisationData connectionPayment transaction
A method includes: offering, by a circuit of the mobile device, a mobile pay function, receiving, by the circuit, establishing, by the circuit via a near-field communication (NFC) data connection, a wireless communication between the mobile device and a payment card, receiving, by the circuit via the wireless communication, information of a first financial account associated with the payment card, and receiving, via the wireless communication, an authentication code from the payment card. The method includes transmitting, a transaction request for a payment transaction, receiving, by the circuit at, an authentication decision from the computing system based on the authentication request, and enabling, by the circuit, (1) the payment card for use with the mobile pay function of the mobile device to conduct a transaction and (2) an additional financial operation on the mobile device.
Owner:WELLS FARGO BANK NA
Blank card with dynamic data cluster encryption
Systems, methods, and apparatus for improving transaction security at a self-service kiosk are provided. A blank smart payment card may avoid storing sensitive identification data in an EMV chip or a magnetic stripe. The blank card may include a housing, with a wireless communication interface, microprocessor, and battery embedded in the housing. A card issuer may identify a dataset of sensitive information and apply dynamic clustering and encryption. The blank card may connect wirelessly to the issuer to obtain the encrypted clusters and store them in temporary storage. The blank card may self-authenticate to a kiosk by transmitting the encrypted clusters via a secure NFC connection. The kiosk may obtain a separate encryption key for each cluster from the issuer to decrypt and reconstruct the dataset. After every transaction, the issuer may apply new dynamic clustering to the dataset and replace the encrypted dataset stored on the blank card.
Owner:BANK OF AMERICA CORP
Systems and methods of encoding BNPL transactions for terminal devices
Systems, methods, and computer readable media may facilitate buy-now-pay-later (BNPL) transactions at brick-and-mortar locations of merchants that otherwise lack an ability to interface with financial institutions (FIs) that finance BNPL transactions. Likewise, the system may be used to conduct BNPL transactions for merchants that lack an electronic commerce presence. For example, a payment network used to process payment cards such as credit cards may be leveraged to communicate with user devices, merchant point of sale (POS) terminals, and BNPL servers operated by FIs to mediate BNPL transactions. In particular, the payment network may receive, from merchants, a list of items that are eligible for BNPL transactions and installment offers from FIs to pay for BNPL transactions. The payment network may match eligible items with installment offers, select the best installment offers for the buyer, and mediate exchanges between the parties to settle payments for the BNPL transaction.
Owner:MASTERCARD INT INC
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
Systems and methods for improved detection of network fraud events
A method and system for detecting fraudulent network events in a payment card network are provided. A plurality of scored payment card transaction authorization requests is received, originating from a plurality of merchants, and data structures for each of a plurality of merchant groups are generated. Each data structure sorts the scored authorization requests into fraud score range stripes. The data structures are parsed over a plurality of time periods, and at least one cumulative metric is calculated for each merchant group for each of the time periods in each fraud score range stripe. A plurality of ratio striping values is determined for each merchant group, and a set of feature inputs is generated using the ratio striping values. A second fraud detection model is applied to the scored authorization requests. Parameters of the second fraud detection model are configured to change based on the generated set of feature inputs.
Owner:MASTERCARD INT INC
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
Card on file enrolment method and system
PCT designated stage expiredWO2025006236A1Electronic credentialsProtocol authorisationEngineeringOperating system
A method of enrolling a payment card as a card on file by a payment processing platform. The method comprising the steps of: receiving, from a card issuer platform associated with the payment card, a registration request comprising data associated with the payment card; storing, on a secure storage means, the data associated with the payment card; sending, to the card issuer platform, a registration receipt; receiving, from a merchant platform, the registration receipt; generating a merchant token; and sending, to the merchant platform, the merchant token useable as a card on file.
Owner:MASTERCARD INT INC
Method of interlaying a metal core for a dual-layer electronic metal card
A method of interlaying a metal core for a dual-layer electronic metal payment card. The metal core includes a metal layer having one or more openings formed therein (such as to receive a payment module or another electronic component or aesthetic feature). To interlay the metal core, the metal layer is laminated with a heat activated film layer and a release liner, and the laminated structure is subsequently placed on a heating plate. A polymer is applied only to the one or more openings. Using a containment structure placed over the metal core layer and a combination of heat, vacuum pressure, and pressurized inert gas, the method includes adhering and curing the polymer to the heat activated film to complete the lamination process. After curing, excess polymer is removed via a finishing edge (such as a grinder, a sander, a milling machine, or as similar edge).
Owner:INTERACTIVE CARDS INC
Tokenization through offline contactless tap
Disclosed herein are system, method, and computer program product embodiments for tokenization in an offline environment. A tokenization system may initiate a tokenization transaction with a payment card. The tokenization system may acquire from the payment card a token primary account number, an account specific key, and tokenization data associated with the tokenization transaction. The tokenization system may store in a digital wallet an association between the token primary account number and a digitized version of the payment card.
Owner:AMERICAN EXPRESS SERVICES EUROPE LTD
Identifying transaction processing retry attempts based on machine learning models for transaction success
There are provided systems and methods for identifying transaction processing retry attempts based on machine learning models for transaction success. A service provider, such as an electronic transaction processor for digital transactions, may detect a failure of data processing for a transaction when processed with a separate data processing system, such as a card processing system for payment cards. In order to minimize cost and wasted resources for retrying transactions that are likely to further fail, a machine learning model may be implements that generates a predictive score for whether a failed transaction is likely to be successful if retried with the data processing system. The predictive score may be used to predict a probability of success, which may then be used with a cost function to determine a cost to retry the failed transaction and a cost to stop a retry of the failed transaction.
Owner:PAYPAL INC
Methods and systems for providing over-the-air updates of a virtual or physical card token
A system and method for enabling dynamic expiration dates in a payment card. An algorithm executes on a computing device to create a private blockchain that is controlled by an inquiry block exchange. A payment card holder (PCH) metablock is generated when a first payment card issuer creates a PCH profile. This PCH profile is maintained within a security zone on the network. The security zone comprises multiple modules. These modules include a dynamic smart contract (DSC) execution engine module for generating a DSC hash value that identifies the DSC for the PCH profile metablock. A hyper-ledger fabric module enables dynamic parameters to be stored as an asset in the DSCs. A metablock generator module creates a PCH profile metablock and hashes the data in a subscribed hashing algorithm. The hashed data includes private keys and cryptographic keys in a secured element section of the PCH profile metablock.
Owner:MASTERCARD INT INC
Connected payment card systems and methods
Methods and systems of managing payment cards are disclosed. A financial institution computing system includes a token database storing a plurality of tokens and token information, a network interface circuit enabling the financial institution computing system to exchange information over a network; and a token management circuit. The token management circuit enables a graphical user interface on a customer device over the network that can be used to generate new token requests, re-provision token requests, and management requests. The management requests enable and disable tokens, such that transactions against a payment card account using an enabled token are completed, and transactions against the payment card account using a disabled token are denied.
Owner:WELLS FARGO BANK NA
Detecting debris in payment card readers
PCT designated stage expiredWO2025085666A1Testing sensing arrangementsElectrical testingEngineeringCard reader
Various exemplary devices, systems, and methods for detecting debris in payment card readers are provided. In general, a card reader configured to read a card for payment and / or other purpose(s) includes a slot configured to receive the card therein. In an exemplary embodiment, a tester is configured to be inserted into the card reader slot and identify whether debris is present in the slot that would prevent the card reader from properly reading data from a card inserted into the slot, e.g., from reading a chip of the card, etc. The tester is configured to be inserted into the card reader slot with the card reader on site at its installed location, e.g., as part of a fuel dispenser or other payment terminal.
Owner:WAYNE FUELING SYSTEMS LLC
Systems and methods for data exchange using payment cards with universal reference numbers
Methods and systems of exchanging data using payment cards with universal reference numbers are disclosed. A merchant computing system includes a merchant input / output assembly receiving a universal reference number from a customer at a point of sale. A merchant database retrievably stores a plurality of universal reference numbers and customer information associated with each of the plurality of universal reference numbers. A transaction circuit receives the universal reference number from the merchant input / output assembly, retrieves customer information associated with the universal reference number, and provides an output relating to a transaction based on the customer information.
Owner:WELLS FARGO BANK NA
Detecting cloned payment cards
Aspects of the disclosure relate to a payment device to detect real-time suspicious payment cards. Prior to a transaction, a payment device detects suspicious payment cards based on captured images of the payment card. An alert may be generated upon detection of any suspicious or fraudulent payment card. In some arrangements, institutions may share information regarding suspicious payment cards to prevent fraud. The payment device may utilize machine learning models or machine learning capabilities to detect suspicious payment cards. A characterization score may be generated and used to determine if a payment card is suspicious. The characterization scores may be updated based on different card issuer criteria and transaction use of each payment card.
Owner:BANK OF AMERICA CORP