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14 results about "Payment card number" patented technology

A payment card number, primary account number (PAN), or simply a card number, is the card identifier found on payment cards, such as credit cards and debit cards, as well as stored-value cards, gift cards and other similar cards. In some situations the card number is referred to as a bank card number. The card number is primarily a card identifier and does not directly identify the bank account number/s to which the card is/are linked by the issuing entity. The card number prefix identifies the issuer of the card, and the digits that follow are used by the issuing entity to identify the cardholder as a customer and which is then associated by the issuing entity with the customer's designated bank accounts. In the case of stored-value type cards, the association with a particular customer is only made if the prepaid card is reloadable. Card numbers are allocated in accordance with ISO/IEC 7812. The card number is usually prominently embossed on the front of a payment card, and is encoded on the magnetic stripe and chip, but may be imprinted on the back of the card.

A sensitive data desensitization method for a banking service scenario

PendingCN122365587ABanking industryData field
The application discloses a sensitive data desensitization method for a bank service scene, and belongs to the technical field of data desensitization, and comprises the following steps: obtaining a query result set, and traversing fields in the query result set; identifying whether the fields belong to sensitive fields based on semantic features of the fields, wherein the sensitive fields at least include one or more types of a name field, a mobile phone number field, an ID number field, a bank card number field and an account number field; selecting corresponding desensitization rules from a preconfigured desensitization rule set according to types of the identified sensitive fields; performing field-level desensitization processing on the query result set, replacing sensitive data field by field according to the selected desensitization rules, and generating a desensitized result set. By identifying dynamically changing query result fields, desensitization omission caused by non-uniform field naming is avoided, and by using a differentiated desensitization strategy, sensitive information is protected while data service availability is retained.
Owner:EVERGROWING BANK CO LTD

Graphical User Interface for Consumer Finance Credit Applications for Electronic Devices

1. Name of the product in this design: Graphical User Interface for Consumer Finance Credit Application of Electronic Devices. 2. Purpose of this design: An electronic device. 3. The key design feature of this product is its graphical user interface. 4. The image or photograph that best illustrates the design's key features: the front view. 5. Purpose of the graphical user interface: This graphical user interface is designed specifically for consumer finance credit applications. The main view is the program's homepage. When the user clicks the "Continue to Get Credit" or "Go to Upload" button, they will be redirected to the interface change state shown in Figure 1. In the interface change state diagram 1, users need to upload images of the front and back of their ID card to complete real-name authentication. After clicking "Next", the system verifies the accuracy of the identity information. After successful verification, the interface will switch to the interface change state diagram 2. In the interface change state diagram 2, the user needs to enter bank card information. The user can enter the bank card number manually or by scanning. After the user clicks the "Next" button, the system will perform user four-factor verification. After the verification is successful, the system will jump to the interface change state diagram 3. In the interface change state diagram 3, users need to fill in contact information. Several convenient methods are provided: users can enter it manually, use the location function to automatically fill in the address, or quickly add contact information by accessing the address book. When the user clicks the "Next" button, the system will verify all information again. If the information is correct, the entire application process is complete. 6. Other situations requiring explanation: The numbers, amounts, card numbers, mobile phone numbers, names, etc. in the interface are "xxxxxx", which are variable or editable content and are not subject to the protection of this design.
Owner:HARBIN HARBIN CONSUMER FINANCE CO LTD

Card binding method, payment method, device, system, equipment and medium

The invention provides a card binding method, a payment method, a device, a system, equipment and a medium, and relates to the technical field of electronic payment. Comprising the steps that a card binding request of no-card payment is received, and the card binding request comprises a bank card number and a card binding mobile phone number; determining a bank card category corresponding to the bank card number according to the bank card number; if the bank card type is a debit card, obtaining at least one first reserved mobile phone number; matching the card binding mobile phone number with the at least one first reserved mobile phone number; if the card binding mobile phone number is one of the at least one first reserved mobile phone number, calling the debit card assembly to verify the bank card number; if the bank card category is a loan card, calling a loan card assembly to verify a bank card number and a card binding mobile phone number; and under the condition that both the bank card number and the card binding mobile phone number pass verification, a card-free payment protocol is generated and stored, and the card binding success rate of card-free payment can be improved.
Owner:CHINA CONSTRUCTION BANK +1

Decommissioned soldier authentication method and system based on multi-source data

The invention discloses a decommissioned soldier authentication method and system based on multi-source data, and the method comprises the following steps: S1, a user initiates an authentication request, the user clicks a decommissioned soldier authentication button on an authentication platform, and the authentication platform jumps to an authentication page, and prompts the user to prepare a decommissioned soldier preferential card bank card; s2, the user inputs six-element authentication information, wherein the six-element user information comprises a name, an identity card number, a preferential card associated bank card number, a bank reserved mobile phone number, a card validity period and a CVN2 code; and S3, multi-source data authentication is carried out, the system starts a verification process, the verification process is carried out in three paths, the first verification path is bank card six-element real-time verification, the second verification path is mobile phone number real-name consistency verification, and the third verification path is living body face recognition verification. The method solves the problems that an existing decommissioned soldier identity authentication method is high in data confidentiality, extremely high in barrier and high in technology docking cost, and the identity authentication difficulty is increased.
Owner:HUARONG DIGITAL (NANJING) INFORMATION TECHNOLOGY CO LTD

Method and system for blockchain payment solution for payment card with self-custody wallet

A method of processing a blockchain transaction using a payment card and a linked blockchain wallet includes: receiving an authorization request for a payment transaction initiated using the payment card, where the authorization request includes transaction data including at least a payment card number, a transaction amount, and a destination address; identifying the linked block chain wallet based on the association between the linked block chain wallet and the payment card number; verifying one or more usage restrictions of the linked blockchain wallet based at least on a transaction history and transaction data of the linked blockchain wallet; and executing a smart contract associated with the linked blockchain wallet stored on the blockchain of the blockchain network, wherein at least the transaction amount and the destination address are provided as inputs for the smart contract.
Owner:MASTERCARD INT INC

System and method for providing transaction cards to multiple merchants

Systems, methods, apparatus, and computer-readable media for providing transaction cards from a single access point to multiple merchants are described. For example, a method may include receiving a payment card number request, sending a contactless payment card upgrade authentication request to a user device, receiving encrypted authentication information obtained from a contactless payment card from the user device in response to the contactless payment card upgrade request, authenticating the encrypted authentication information received from the user device, and sending the authenticated encrypted authentication information to the user device. A token identifying a communication session established with a merchant is granted, which can enable continuous data exchange with the merchant, and using the token to identify a respective communication session established with the merchant, providing account information to the merchant to associate a respective merchant account with a user of the contactless payment card.
Owner:CAPITAL ONE SERVICES LLC

System and method for introduction of a transaction mechanism to an e-commerce website without necessitation of multiparty systems integration

In illustrative embodiments, systems and methods are disclosed by which a transaction offering that is not native to an e-commerce website may be added thereto. The addition may be performed by a script file loaded by the web browser that is rendering the e-commerce website. The script may add a user interface element to the e-commerce website that a user may click in order to initiate the added transaction offering. The script file may respond to the such a click event by presenting a user interface with which the user may interact in order to effectuate the transaction. The script may scrape information from the website to obtain information necessary for creation of the transaction, and may initiate creation of a payment card number for use in connection with the transaction.
Owner:RENT A CENTER WEST INC

Third-party payment method and device, processor and electronic device

The application discloses a third-party payment method and device, a processor and an electronic device, relates to the field of financial technology, and the method comprises the following steps: a target financial institution receives payment information sent by a first target transaction object; according to binary data in the payment information, it is determined whether a bank card corresponding to a bank card number of a second target transaction object is a bank card issued by the target financial institution; if the bank card corresponding to the bank card number of the second target transaction object is the bank card issued by the target financial institution, and the target financial institution has the charge deduction authority for the bank card of the second target transaction object, then according to a payment amount and a payment currency, the payment amount is deducted from the bank card of the second target transaction object, and the payment amount is added to the bank card of the first target transaction object. Through the application, the problem of low third-party payment efficiency in the related art is solved.
Owner:INDUSTRIAL AND COMMERCIAL BANK OF CHINA

A bank card number generation method and device

Embodiments of the present application provide a bank card number generation method and device. The method comprises: determining whether first card number information with a self-selected tail number exists in the cache for the self-selected tail number of the bank card number; each card number information in the cache is loaded based on each card number information in the database; the database stores each card number information in a manner that each card number tail number corresponds to unique available card segment information; generating a bank card number based on the first card number information existing in the cache, and synchronously updating the first card number information in the cache and the database to second card number information; the second card number information has the same card number tail number and different card segment information as the first card number information, and the card segment information in the second card number information is in an available state. Without generating various bank card numbers in advance, the corresponding bank card number is generated quickly and in real time according to the current card selection demand of the user; the storage pressure of the database and the storage pressure of the cache are greatly reduced; and the speed of generating the bank card number is improved.
Owner:WEBANK (CHINA)

System and method enabling mobile near-field communication to update display on a payment card

Disclosed are a system and methods enabling updating of a card number of a payment card and thereby reissuing the payment card utilizing a reissue application associated with the payment card. The reissue application, when executed communicates with a service provider that manages the payment card. The payment card includes processing circuitry and a rewriteable visual display. Using cryptographic techniques, the reissue application and payment card are authenticated to the service provider. Upon verification, an updated card number is obtained and provided via near-field communication to the payment card. In response to the update payment card number received from the reissue application, the rewriteable visual display on the payment card is updated with the updated card number. Other information may also be presented on the rewriteable visual display of the payment card based on user preferences.
Owner:CAPITAL ONE SERVICES LLC

Information processing apparatus, information processing method, and program

To provide a user side with information which can be processed by a computer when a credit card is used.SOLUTION: An acquisition unit configured to acquire payment data including at least a payment card number used for payment from a terminal used in a member store where payment of the credit card has been performed; a specification unit configured to specify user identification information corresponding to the payment card number in the user information; and a transmission unit configured to transmit the user information to a user corresponding to the specified user identification information via the invoice network. And a transmission unit that transmits voucher data indicating that the transaction indicated by the settlement data has been performed.SELECTED DRAWING: Figure 2
Owner:FAST ACCOUNTING INC

Information processing apparatus, information processing method, and program

To provide a user side with information which can be processed by a computer when a credit card is used.SOLUTION: An acquisition unit configured to acquire payment data including at least a payment card number used for payment from a terminal used in a member store where payment of the credit card has been performed; a specification unit configured to specify user identification information corresponding to the payment card number in the user information; and a transmission unit configured to transmit the user information to a user corresponding to the specified user identification information via the invoice network. And a transmission unit that transmits voucher data indicating that the transaction indicated by the settlement data has been performed.SELECTED DRAWING: Figure 2
Owner:FAST ACCOUNTING INC

System and method for enabling mobile near field communication to update a display on a payment card

A system and method are disclosed that enable updating a payment card's card number and thereby reissuing the payment card with a reissue application associated with the payment card. The reissue application, when executed, communicates with a service provider that manages the payment card. The payment card includes processing circuitry and a rewritable visual display. Using cryptographic techniques, the reissue application and the payment card are authenticated to the service provider. Upon verification, an updated card number is obtained and provided to the payment card via near field communication. In response to the updated payment card number received from the reissue application, the rewritable visual display on the payment card is updated with the updated card number. Other information can also be presented on the rewritable visual display of the payment card based on user preferences.
Owner:CAPITAL ONE SERVICES LLC