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315 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 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
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
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
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
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
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
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
Multi-factor user authentication using blockchain tokens
Aspects of the disclosure relate to multi-factor user authentication for card-based payment transactions using blockchain tokens. An computing platform may receive, from a computing device, transaction details associated with a card-based payment transaction corresponding to a user, wherein the transaction details comprise a card number of a payment card. The computing platform may determine, based on the card number, a user device associated with the user. The computing platform may send, to the user device, a one-time passcode (OTP). After sending the OTP, the computing platform may receive a security key. The security key may be generated based on the sent OTP and a blockchain token hash. The computing platform may, based on the received security key, send, to the computing device, a message indicating whether the transaction is approved or declined.
Owner:BANK OF AMERICA CORP
Confirming physical possession of plastic NFC cards with a mobile digital wallet application
In an example embodiment, an issuer system receives payment card information from a payment processing system, wherein the payment card information is received from a payment card via a user computing device using near field communication. The issuer system generates an unpredictable number for the payment card and communicates the unpredictable number to the payment card via the payment processing system and the user computing device. The payment card calculates a cryptographic checksum based on the unpredictable number and a shared secret and communicates the checksum to the issuer system via the user computing device and payment processing system. The issuer system verifies the checksum using the shared secret and the unpredictable number. The issuer system generates a token associated with the payment card and transmits the token to the user computing device via the payment processing system for use in an online transaction.
Owner:GOOGLE LLC
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
Temporary payment card security system
A temporary payment card security system includes one or more processors and a memory storing instructions executable by the one or more processors to cause the one or more processors to generate a payment card associated with the account of the user in response to receiving an indication that a user associated with an account is attempting to complete a transaction with a merchant. The instructions are also executable by the one or more processors to cause the one or more processors to provide a respective unique payment card number of the payment card to a payment transaction system associated with the merchant.
Owner:UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
User identity generation and account processing systems and methods
Systems and methods which generate and use user identities are described. A user account processing method comprises: receiving a connection request from a user device, the connection request comprising a user identifier of a user, a subscriber identity module number associated with the user, and a device identifier of a device associated with the user; sending a user identity generation request to a user identity management server; receiving a user identity for the user from the user identity management server; requesting payment card details associated with the user identity from a payment card management system; receiving payment card details associated with the user identity from the payment card management system; generating a payment request comprising the payment card details associated with the user identity; and receiving payment confirmation in response to the payment request.
Owner:MASTERCARD ASIAPACIFIC PTE LTD
Systems and methods for authenticating a requestor at a computing device
ActiveUS12393947B2Complete banking machinesAutomatic teller machinesEngineeringAuthentication information
An authentication computing device including at least one processor in communication with a memory is provided. The processor stores, within the memory, an authentication profile associated with an account holder. The authentication profile includes an account identifier associated with a payment account of the account holder and authentication information. The processor further receives an authentication request associated with the payment account and a payment card action request from a requestor for a payment card action to be performed through an automated teller machine (ATM). The processor also retrieves the stored authentication profile, generates an authentication challenge based on the authentication profile, transmits the authentication challenge to a client device and / or the ATM, receives an authentication response from the requestor, and determines an authentication result based, at least in part, on the authentication response. The authentication result indicates if the requestor is the authenticated account holder of the payment account.
Owner:MASTERCARD INT INC
Mobile device integrating virtual payment card
In some examples, a payment processing system may receive, via an application executing on a user computing device, payment instrument information of a payment instrument of a user. The payment processing system may send, to the user computing device, information that causes the application on the user computing device to present a user interface including information for a virtual payment card and an amount of financing available to the user through the virtual payment card. Based on receiving an indication of a purchase from a merchant and use the virtual payment card to pay for the purchase with at least a portion of the financing, the payment processing system, may determine that the user has selected, via the application, repayment of the financing according to a payment schedule including a plurality of payments, and may charge the payment instrument of the user for at least one of the payments.
Owner:BLOCK INC
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
Initiation of online payments using an electronic device identifier
Systems, methods, and computer-readable media for conducting payments are provided. In one example embodiment, a commercial entity system, in communication with a merchant subsystem and a payment electronic device, includes at least one processor component, at least one memory component, and at least one communications component, wherein the commercial entity system is configured to receive transaction request data from the merchant subsystem, wherein the transaction request data includes a payment device identifier of the payment electronic device and transaction information related to a transaction, transmit payment request data to the payment electronic device, wherein the payment request data includes at least a portion of the transaction information of the received transaction request data, receive payment card data from the payment electronic device based on the transmitted payment request data, and transmit at least a portion of the received payment card data to the merchant subsystem. Additional embodiments are also provided.
Owner:APPLE INC
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
Method and system for automatic insurance claim
A method performed by an automatic insurance system to automatically file insurance claim, including: accepting a purchase of an insurance and a registration of a payment card number from a customer; obtaining authorization from a payment card system to provide one or more payment records related to the payment card number during the insurance period; receiving the one or more payment records from the payment card system; and filing insurance claim for one or more events, in response to determining that the one or more events are involved by the one or more payment records and covered by the insurance. The proposed method is efficient and convenient to implement for automatic insurance claim.
Owner:MEDICONCEN LTD
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