254 results about "Payment card number" patented technology

An electronic commerce process that facilitates online transactions among multiple participants, that prevents consumer fraud due to pirated payment card numbers, with calculated risk, involving at least one trusted payment card host (3), where buyer's payment card number is registered and corresponding secret keys are set up. The buyer (1b) initiates an online transaction by selecting a host from a list of hosts that served by the seller's web server (2a). Then, the buyer participant (1a) sends an order online (4), SSL encrypted. The seller participant (2a) receives and decrypts the order, confirms the availability of ordered items, assigns an orderID to the order, and sends a response (5a), SSL encrypted, to the buyer participant (1a) with the assigned orderID. The buyer participant (1a) encrypts and notifies the selected host (3) of this order and orderID, and authorizes the payment (6a) using secret keys. At the same time, the seller participant also encrypts and sends payment approval request (7) for this orderID through the host. The host (3) decrypts and matches up the orderID, retrieves the secret keys, and hashes to obtain the corresponding payment card number. The host then encrypts and send for payment authorization (8a) from the payment card issuer with the payment card number, through payment clearing network. Upon receiving and decrypting the response (9) back from the payment card issuer, the host (3) encrypts and notifies (10a) the seller participant (2a) of the card issuer's response (9) for the orderID. After fulfilling the order (11,12), the seller participant encrypts and sends for payment capturing (13a) for this order with orderID, through the host and payment network (14a,15,16).

Methods and systems are disclosed for the generation and use of merchant-customizable token formats that define tokens that represent credit card and other payment numbers in online transactions. The tokens, which are used instead of the card numbers themselves for security, can be specified by the token format to have a certain number of characters, have certain fields reserved for major card identifiers, use encryption and/or randomization, be alphanumeric, and have other formatting. The customized tokens can be used with legacy equipment that uses longer or shorter card numbers than the standard sixteen-digit payment card number format and can be less likely to be recognized as related to card numbers by identify thieves.

End-to-end user anonymity is provided in electronic commerce or other types of online transactions through the use of an intermediary. An intermediary machine, which may be implemented in the form of a set of servers or other type of computer system, receives communications from a consumer or other user, and generates and maintains an alias for that user. Connections between the user machine and any online vendor or other web site are implemented through the intermediary using the alias. When the user desires to make a purchase from a given online vendor, the intermediary may present the user with a number of options. For example, the user may be permitted to select a particular payment card number and real destination address as previously provided to the intermediary. The intermediary then communicates with the online vendor and supplies intermediary payment information, e.g., a payment card number associated with the intermediary rather than the user, along with appropriate authorizing information and an alias destination address, e.g., a third party physical shipping address for deliverable goods, an alias electronic address for downloadable material, etc. The online vendor charges the purchase to the intermediary, and redirects the delivery of the goods or services to the destination address provided by the intermediary. The intermediary charges the payment card number of the user, and arranges for the redirection of the delivery to the real user address. In this manner, the invention provides complete end-to-end anonymity for the user, even when the user desires to enter transactions involving purchase and receipt of deliverable goods and services.

The invention provides a method of payment utilizing a virtual card to enhance payment safety and a system thereof, wherein, the method of payment includes the following steps : a third-party payment platform is provided; after receiving the application request of virtual card of a user, the third-party payment platform obtains the information of bank card of the user and sends the request of virtual card application to a corresponding issuing bank; the third-party payment platform returns the information of virtual card number sent by the issuing bank to the user; and when the issuing bank receives the request of payment including the information of virtual card number and payment amount, payment is successfully done, provided that the virtual card meets the service regulations of the virtual card and monetary amount on the corresponding bank card is no less than the payment amount. As the payment of the invention is carried out by the virtual card number, information security of the card can be enhanced when the bank card number and password are directly input.

Methods and systems are provided for secure transaction processing. A secure processor may include an integrated wireless card reader and optionally a secure memory. When a request for payment information associated with an on-line transaction is received, the integrated wireless card reader reads data from the payment card. The secure processor may retrieve a set of transaction identifiers from the payment card issuer or optionally a trusted third party. The secure processor transmits one of the retrieve transaction identifiers to the on-line merchant instead of payment card data. The on-line merchant communicates the transaction identifier to the payment card issuer or the trusted third party for validation. Alternatively, the secure processor may encrypt the read payment card data utilizing the payment card number as the shared secret required by the cryptographic algorithm. The secure processor then forwards the encrypted payment card data to the on-line merchant.

Embodiments of the invention relate to security features to prevent one from trying to enter multiple different payment card number combinations into a payment request form for an online transaction in an effort to probe for the accurate payment information.

Payment using a payment card for goods and/or services ordered online via an information network such as the Internet is implemented in a notably secure manner without the need to transmit the client's payment card number over the data transmission network. A separate confirmation for effecting the payment for an order is requested from the client. The information to be confirmed is transmitted to the terminal device of the client, such as a mobile station, by means of which the client confirms the order by digitally signing the confirmation request. The digitally signed confirmation and the electronic identity information associated with the client are then returned to the payment service equipment, which verifies the client's identity, checks the validity of the client's payment card, and then transmits the necessary payment information to the payment system.

The invention provides an authentication method and an authentication system based on an ATM. The authentication method based on an ATM comprises the following steps of: receiving a user-input appointed withdrawal request including a contract mobile telephone number, an authentication code, a withdrawal sum and a trading password; acquiring preset appointed withdrawal information including a bank card number, the authentication code, the withdrawal sum and the trading password from the mobile phone bank based on the contract mobile telephone number; and authenticating the received appointed withdrawal request based on the acquired appointed withdrawal information to output the sum which is the same with the withdrawal sum in the appointed withdrawal request when the authentication is successful. The invention can overcome the problem that the bank authentication is necessary for the ATM withdrawal in the prior art, thereby facilitating the user of withdrawing money from the ATM.

The invention relates to a mobile payment system based on a bank virtual card number. The mobile payment system based on the bank virtual card number comprises a payment device, a card issuing bank server, a third party payment server, a POS (machine point of sale machine), an acquiring bank server, a card organization server, a commercial tenant server and a BVA SP server, wherein the payment device generates the bank virtual card number used as a primary account number of a payment request or a transfer request, a payment request is sent to the card issuing bank server through transfer transmission of the POS, the acquiring bank server and the card organization server or a transfer request is sent to the card issuing bank server through transfer transmission of the BVA SP server, the card issuing bank server completes transfer or payment, and when the payment device uses a third party payment server for the payment, the card issuing bank server is communicated with the third party payment server through the transfer transmission of the BVA SP server, and completes the payment or the transfer after the payment request or the transfer request is verified. Compared with the prior art, the mobile payment system based on the bank virtual card number has the advantages of improving mobile payment safety, being strong in compatibility, facilitating operation of a user and the like.

A system and method for accelerating customer sales transactions in a retail store. A customer checkout accelerator provides a customer user interface to initiate a request for a preapproval amount for a sales transaction before reaching the point of sale terminal for completion of the purchase transaction. A card reader integrated into the customer checkout accelerator reads a customer payment card number when the payment card is swiped through the reader. A customer checkout accelerator server module resident on a store controller server determines a preapproval amount for the sales transaction and transmits the request to an external card services system for payment approval. The customer checkout accelerator also provides the ability to purchase additional promotional items in the checkout lane with this process integrated into the payment preapproval process. Once payment approval is obtained from the external card services system, an entry is placed in a preapproval database associated with the customer checkout accelerator server module on the store controller server. The server module forwards the approval notification to the point of sales terminal where it is placed in a preapproval cache for use in completing the actual sale transaction.

The invention relates to the technical field of information security, and provides a method and system for detecting sensitive information in a database. The method for detecting the sensitive information in the database comprises the steps of scanning a system view of the database to acquire all user tables, extracting a part of data from each field of each user table as a sample, and carrying out analysis and matching on the samples to judge whether the sensitive information exists. The system for detecting the sensitive information in the database comprises a system table, a scanning module, a judgment module and a display module, wherein the scanning module is connected with the database, and the judgment module is connected with a sensitive information feature base, the scanning module and the display module. According to the method and system for detecting the sensitive information in the database, based on the regular expression feature base, by carrying out scanning detection on the user data in the database through the feature base, the position of the sensitive information of mobile phone numbers, bank card numbers, ID numbers, e-mail addresses and the like can be found, a detailed scanning report can be provided, and then a database administrator can carry out key protection and auditing.

Techniques for processing of recurring payments are provided that allow a consumer to decide whether to update consumer account information at a merchant when a consumer is issued new account information for a payment card or the like. For example, a consumer may register with a payment processing network associated with the consumer's payment card. During registration, the consumer may indicate the payment card number and expiration date, the name of merchants that the consumer pays on a recurring basis using the payment card and the corresponding merchant website addresses, in what form the consumer would like to receive alerts (e.g. text message, email), and when to receive alerts (e.g. a particular number of days prior to the expiration date). The payment processing network sends the consumer an alert message based on the preferences indicated during registration, including the names and website links for each merchant indicated during registration. The consumer can use the alert message to access the merchant websites and update the account information for a new payment card.

A cell phone terminal onsite paying method and system based on mobile positioning service is provided; the method and system connects a cell phone terminal number with payment card information of a cell phone terminal user in advance, and registers the terminal payment equipment users to a server-side based on the mobile positioning service in advance; according to the cell phone position information obtained by the mobile positioning service, a terminal payment equipment user close to the cell phone terminal is selected from the registered terminal payment equipment users, and the select result is sent to the cell phone terminal so as to choose a transaction user; the server-side sends an authorization code to the cell phone terminal after the transaction user and transaction set information are received; the terminal payment equipment sends the authorization code and transaction related information to the server-side, and sends the transaction related information and payment card information connected with the cell phone terminal number to a card releasing party of the payment card after the authorization code is received, thereby facilitating follow up processing. The method and system can realize cell phone onsite payment without needing the cell phone terminal user to input a payment card number and a password, thereby improving safety.

The present invention provides a garbage short message interception method based on the characteristic similarity, which realizes a garbage short message interception method capable of only determining whether a short message is group sending garbage information by tracking the appearance probability of specific similar characteristic information in short message contents at a period of time, includes two filtering algorithms respectively for two modes of appearing contact information (like a telephone number, a web address and a bank card number) of a communication person in the short message content and not appearing a contact information, intercepts communication contact person content and dynamic random short message content after the pretreatment for converting special characters in short message text, then performs similarity comparison with the contents in database and counting, and regards the short message with an exceeding number of corresponding content as garbage short message, and adds the short message content into garbage short message characteristic information content data, so that the method not only realizes the fuzzy matching text identification, but also possesses the intelligent learning identification garbage information function.

The invention discloses a system and a method for enterprise customers to make fund settlement and management. To solve the problem that in the prior art, a plurality of bank cards are mutually matched to make finance operation aiming at the multi-settlement account of the enterprise, a method for enterprise customers to make fund balance and management is provided. The invention is characterized in that: a multi-to-multi corresponding relation is established between a bank card number and a settlement account number of the enterprise, a file of the corresponding relation between the bank card number and the settlement account number is established; when the customer initiates a transaction request through the bank card, the information of at least one settlement account which has a corresponding relation with the bank card is returned to the customer for the customer to select a settlement account to be operated. The system and the method have the advantages that: the efficiency of financial work of the enterprise can be improved through the multi-to-multi matching mode between the bank card and the settlement account of the enterprise; the setting of the authority specifies the function range of financial personnel, which assures the safety of the account of the enterprise.

The invention discloses a highway tolling method based on license plate recognition; comprising the steps of: constructing a payment system, and the owner of the vehicle enters the user name, name, ID card, mobile phone number, bank card, vehicle type, license plate number and front photo of the vehicle in the payment system for archiving, And make the owner's vehicle license plate number bound with the owner's bank card account; bind the license plate recognizer at the entrance of the expressway with the entrance information and bind the license plate recognizer at the exit of the expressway with the exit information; through the license plate recognizer at the entrance of the expressway Scan the license plate number of the entering vehicle; transmit the scanned vehicle license plate number and entrance information to the payment system; scan the vehicle license plate number again through the license plate recognizer installed at the exit of the expressway; send the scanned vehicle license plate number and exit The information is transmitted to the payment system; the payment system calculates tolls based on the vehicle license plate number, entrance information and exit information, and automatically deducts the toll from the bank card account of the owner. Effect: the invention greatly reduces the cost and makes the use effect good.

Embodiments are directed to a mobile bank card number generator for digital wallet. Embodiments receive a request from a user to perform an ATM transaction on an account owned by the user; in response to the request to perform an ATM transaction, generate a one-time bank card number associated with the account owned by the user; generate a readable indicia based at least in part on the one-time bank card number; and initiate communication of the readable indicia to an ATM, wherein the ATM receives a user authentication credential from the user, a bank system validates the user authentication credential and in response to validating the user authentication credential, approves the ATM transaction for the user's account.

An anonymous and secure on-line payment system and method based on the partially blind signature cryptographic method with revocable anonymity. To this end, an Anonymity Server (SA) enables the Customer (C) to acquire on-line anonymous payment means on the basis of a protocol that does not enable the Anonymity Server to link the payment means to the Customer (C). The Payment Server (SdP) comprises means for opening an anonymous account using the anonymous payment means (50). A Customer (C) can make an on-line purchase from a Merchant Site (SM) without having to give a bank card number and remaining anonymous to the merchant and more generally to any entity present in the transaction or absent therefrom. However, this anonymity may be revoked by a trusted entity in the event of fraud on the Customer. Finally, a Customer can make payments when on the move.

The invention relates to a bank client transaction system and a method for making a transaction by using the client transaction system. The bank client transaction system comprises counter equipment or a self-service bank machine client program, a network system, a background processing system and a database, wherein a bank background database stores client fingerprint information, and the fingerprint information of each client uniquely corresponds to a back card number; the bank counter equipment or a self-service bank machine fingerprint recognizer reads the client fingerprint information; the client fingerprint information is processed by the client program and transmitted to a background through a network system; and the background processing system compares the fingerprint information with the client fingerprint information stored in the database by unpacking and deciphering, searches for a corresponding bank card number and relevant card information if the fingerprint information is accordant with the client fingerprint information and further verifies a password to finish a relevant transaction. The thought of the conventional card transaction safety is changed skillfully, and the fingerprint information is related to the card number, so that the conventional physical card is eliminated, and the bank card use safety of a client is greatly enhanced without making any change on the conventional client card.