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209 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 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 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
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
Secure transaction authorization
Secure blockchain (BC)-based tokens are issued and linked to payment cards and / or devices of customers. Custom conditions associated with the tokens are stored in smart contracts on a BC. The tokens are stored in a cloud-based key vault and / or in the BC. Validation of a token for access a smart contract on the BC can only be made by a financial institution (FI) to the key vault. Real-time information for a transaction device, for transaction information, and / or for the customer is provided as input data to the smart contract for evaluation of the conditions. After the token is authenticated by the key vault, the real-time information is gathered and passed to the corresponding smart contract on the BC for evaluation. The FI receives transaction authorization or transaction denial based on the smart contract's evaluation of the conditions.
Owner:CARDTRONICS USA INC
Cross-platform system for secure digital transactions using integrated passkeys, user data tokens and cryptographic binding
A computer platform for securely performing an electronic purchase transaction, including: a user interface for receiving payment card data; a token generator configured for generating a payment card token corresponding to the payment card data; a passkey generator; a cryptographic binding system configured for cryptographically binding the payment card token to the passkey; and a payment processing system configured for sending the payment card data to a merchant after the user has used the passkey to unlock the payment card data in the payment card token.
Owner:NULLITI 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
Electronic reward offer management
Systems and methods for electronic reward offer management are disclosed. For instance, a system identifies, using a machine learning model, reward offer(s) for a user of a payment service. The system sends, to a client device of the user, a request to display the reward offer(s) together with a virtual payment card (associated with a payment account issued by the payment service to the user) in a user interface of an application for the payment service. The system receives, from the client device, a user input indicating assignment of a selected reward offer to the payment account, and updates data store(s) to include information associated with a connection between the payment account and the selected reward offer. The connection authorizes automatic redemption of the selected reward offer upon receiving a payment authorization request for a subsequent transaction using a payment card issued to the user by the payment service.
Owner:BLOCK INC
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
Leveraging Spatial Computing for Secure Multi-Event Point-of-Sale Device Interaction
Arrangements for securely processing events via a point-of-sale system are provided. A computing platform may receive, from a spatial computing device within a predefined proximity of a point-of-sale device, an indication of detection of the point-of-sale device and a communication session between the spatial computing device and point-of-sale device may be initiated. Transaction details may be rendered on a display of the spatial computing device. A user may tap a plurality of payment cards to the spatial computing device and identify portions of the transaction to process with each payment card. In response, a digital payment device corresponding to each payment card may be generated. The generated digital payment devices may be transmitted to the point-of-sale system which may cause the point-of-sale system to process each portion of the transaction with a payment processing entity associated with a corresponding payment card and using the corresponding digital payment device.
Owner:BANK OF AMERICA CORP
Browser provisioned virtual payment card for an authorized user
Disclosed embodiments pertain to provisioning a virtual payment card for an authorized user in a browser. A primary cardholder can request the addition of an individual as an authorized user on the primary cardholder's account. Further information regarding the individual can be solicited and utilized to compute a risk score associated with adding the individual as an authorized user. Further processing of the request, including whether to terminate or continue, can be based on comparing the risk score to a predetermined threshold. If processing is continued, a virtual payment card linked to the primary cardholder account is generated. Next, the virtual card can be added as a payment method to a browser profile of the individual on a network-accessible computing resource. Subsequently, the authorized user can access the virtual card to make online shopping payments with a web browser personalized with the browser profile.
Owner:CAPITAL ONE SERVICES LLC
Payment card of multiple payment chips
A set of smart card wallets with a set of smart chips for compact use comprising a body adapted to hold more than one smart chip and a set of coils associated with the set of smart chips for communicating information associated with an account from the set of smart chips.
Owner:MONCADA CAMILO
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
Dual-interface smart card
The invention relates to a smart card and / or payment card with dual interfaces. The smart card and / or payment card optionally comprises one or more of a first antenna, a second antenna, a wire loop, various inserts, one or more metal layers, one or more printed PVC layers and one or more contact, non-contact and / or integrated circuit chips. The first antenna and the second antenna are part of an antenna section insert designed to fit closely into the profile of the one or more metal layers.
Owner:TOPPAN HOGIER SAS
Protection method and device for sensitive information of payment switching system, equipment and medium
PendingCN120768534AKey distribution for secure communicationEncryption apparatus with shift registers/memoriesComputer networkEncoding algorithm
The invention discloses a protection method and device for sensitive information of a payment switching system, equipment and a medium, and belongs to the field of data protection. The method comprises the steps that a first payment message sent by an acquirer system is received, the first payment message comprises sensitive information, and the sensitive information comprises a payment card number and non-card-number information; generating a confusion factor by using a coding algorithm according to at least part of characters in the card number of the payment card; respectively processing the card number information and the non-card-number information of the payment card by using a confusion factor and a hash algorithm to obtain a first character string corresponding to the card number of the payment card and a second character string corresponding to the non-card-number information; and sending a second payment message comprising the first character string and the second character string to the payment switching system. According to the embodiment of the invention, the security of the sensitive information in the payment process can be improved.
Owner:CHINA UNIONPAY
System and method for card control
A system and method for card control includes a card control computing system configured to enforce a card control rule based upon transactions made with a payment card. The card control computing system includes a memory unit configured to store information associated with a card control dashboard, and a processing unit configured to identify that an attempted electronic transaction involving a merchant and a payment card of a user is an out-of-pattern transaction. The processing unit is further configured to generate a proposed card control rule responsive to identifying the out-of-pattern transaction and transmit the card control rule to a card control dashboard. The processing unit is further configured to receive a user input via the card control dashboard to activate or deactivate the proposed card control rule. Activating the card control rule restricts subsequent electronic transactions that violate the activated card control rule.
Owner:WELLS FARGO BANK NA
Managed EMV kernel for faster processing
Method and system of performing transactions with a payment card in a managed integrated payment environment comprising an integrated circuit are disclosed comprising interacting with an integrated circuit on a received payment card to obtain card data by a payment terminal and determining whether full online transaction processing of the card data is required. If full online transaction processing of the card data is required, the card data is sent to a point-of-sale terminal, which sends the card data and a transaction total for the transaction to a merchant gateway, which obtains approval or denial of the transaction. The approval or denial is provided to the PIN pad by the merchant gateway via the point-of-service terminal. The PIN pad also receives transaction data and sends the transaction data and card data to a services processor to collect metadata, perform fraud and security checks, and / or encrypt the card data.
Owner:STRIPE INC
Systems and Methods for Monitoring Stop Payment Orders
PendingUS20250335922A1Point-of-sale network systemsPayment schemes/modelsPayment orderFinancial transaction
Devices and methods are provided for identifying a financial transaction that has bypassed a stop payment request on a first payment rail system by using a second payment rail system. Such bypassed transactions may be identified using transactional event data associated with the original stop payment request on the previously-used network rail, and corrective action may then be undertaken. In particular, new transactional event data and the original stop payment request data may be analyzed to determine if the new payment card financial transaction matches a prior payment card financial transaction for which stop payment requests have been issued.
Owner:PNC FINANCIAL SERVICES GROUP INC
Leveraging Spatial Computing for Secure Point-of-Sale Device Interaction
Arrangements for securely processing events via a point-of-sale system are provided. A computing platform may receive, from a spatial computing device within a predefined proximity of a point-of-sale device, an indication of detection of the point-of-sale device and a communication session between the spatial computing device and point-of-sale device may be initiated. Transaction details may be rendered on a display of the spatial computing device. The user may tap a payment card device to the spatial computing device and, in response, a digital payment device based on payment details extracted from the payment card device may be generated. The generated digital payment device may then be transmitted to the point-of-sale system which may cause the point-of-sale system to process the transaction via a payment processing entity.
Owner:BANK OF AMERICA CORP
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
Handheld dual screen smart voice POS terminal (P23)
1. The name of the design product: handheld dual-screen intelligent voice POS terminal (P23). 2. The use of the design product: including but not limited to two-dimensional code payment, card payment, NFC payment, etc. Payment method of intelligent POS terminal with double screen display and cash register function. 3. The design points of the design product: in shape. 4. The picture or photo that best indicates the design points: perspective view 1.
Owner:SHANGHAI XIANGCHENG COMM TECH CO LTD +1
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
Case with Display Area
PendingUS20250341861A1Digital data processing detailsTelephone set constructionsComputer networkEngineering
A case that protects objects such as mobile devices and payment cards that includes a secure display area for displaying items of value such as trading cards.
Owner:TORRES SAMUEL
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