32 results about "Payment gateway" patented technology

The invention relates to the technical field of electronic payment, in particular to an automatic recharging system based on AI message recognition, which comprises an information extraction module, a screening composite message, a text construction character string, a decoding image construction gray matrix and a timestamp generation module, a voucher analysis module, an interception declaration numerical value and an account identifier, and a recharging module. An image generation voucher amount, a serial number and generation time are identified; a logic risk control module establishes an amount consistency and uniqueness mark; a verification instruction is generated based on a time interval and the mark; and an instruction execution module constructs a recharge message and sends the recharge message to a payment gateway. According to the method, the text and image features are independently extracted, the unstructured voucher is converted into calculable elements, the multi-dimensional risk control logic based on amount comparison, fingerprint retrieval and failure judgment is constructed, counterfeited or repeated requests are blocked without manual intervention, and automatic closed loop from message recognition to fund injection is achieved; and the accounting processing accuracy and security are improved.

A method is provided for an endogenous decentralized monetary system. The method comprises a governance token with limited issuance, a currency token with unlimited issuance, a target exchange rate between the currency token and a fiat currency, a standard interest rate credited to holders of the currency token, indicators of inflation or deflation of the currency token, compensation for merchants' exchange loss, mechanism for crisis detection and self-stabilization of the currency token. New currency tokens are originated from rewards to consumers, merchants, and payment gateways, whenever consumers transactions / consumption are performed. The money creation is endogenous to the consumption of widely distributed consumers and is separated from borrowing and lending activities. Smart contracts automatically adjust consumer reward percentages, merchant reward percentages, and the interest rate according to a predetermined policy cycle until inflation or deflation is stabilized within a 2% exchange rate range from the target exchange rate.

An email payment gateway may be configured to send emails to potential donors. The emails may include mailto hyperlinks. Each mailto hyperlink may be associated with one or more fundraising campaigns, and each mailto hyperlink describes an email message that may be generated when that hyperlink is selected. When a mailto hyperlink is selected, the generated email message may include one or more parameters related to the fundraising campaign associated with the hyperlink, such as an identifier of the fundraising campaign, donor identity or donation amount. The generated email message may then be transmitted to the email payment gateway. The email payment gateway may receive the message and, based on the parameters in the received message, process the donation on behalf of the donor.

A method for creating traceability within a network system includes receiving, from a first computing system, a first account request message; receiving, from a second computing system, a second account request message; creating first and second tagged blockchain accounts on a blockchain that runs in parallel with a payment gateway service maintained by the processing server; receiving, from the first computing system, a disbursement request that identifies (i) an account identifier associated with the first tagged blockchain account, (ii) an account identifier associated with the second tagged blockchain account, and (iii) an amount of tagged funds; transferring the amount of tagged funds from the first tagged blockchain account to the second tagged blockchain account; and creating a genesis block on the blockchain that includes a unique identifier tag assigned to the received disbursement request and disbursement details associated with the disbursement of the tagged funds.

The invention discloses a risk detection method, device and equipment for financial institution issuing items and a medium. The method comprises the following steps: calling an auxiliary platform data interface to obtain auxiliary service information according to a project identifier of a commanded item in response to the commanded item received from a payment gateway of a financial institution; synchronously acquiring associated business data for risk feature calculation; according to the auxiliary service information, performing compliance and authenticity verification on the issued item; if the verification is passed, taking a payer or a payee who issues the item on behalf as an analysis subject, and combining historical similar item records and associated business data of the analysis subject to generate multi-dimensional risk features; inputting the multi-dimensional risk features into a plurality of pre-constructed risk identification models, and generating corresponding risk signals; and according to the risk signal, generating risk alarm information of the issuing item. According to the embodiment of the invention, the intelligent, real-time and precise risk identification and early warning of the issuing items can be realized.

A system and method are provided for dynamically aggregating financial pledges from one or more contributors onto a single payment instrument compatible with standard payment networks. An organizer may create a purchasing fund and invite participants via a dynamic link. Participants may pledge contribution amounts and link payment methods, which are verified and pre-authorized upon fund activation. The system generates a virtual or physical payment instrument backed by the aggregated amount and enables transactions that are automatically allocated across contributors according to their pledges. The system supports real-time updates, post-activation participant additions, refund redistribution, and payment instrument regeneration. Refunds issued by merchants are proportionally allocated back to contributors. The system includes modules for fund management, transaction orchestration, notification delivery, fraud monitoring, and wallet integration, and may operate via cloud-based microservices interacting with secure datastores and external payment gateways.

The disclosed computer-implemented method for utilizing a browser extension to encrypt online payment information may include (i) detecting, utilizing the browser extension, a payment form provided by an online merchant during a customer transaction session, (ii) determining a record in a payment service provider database that identifies the online merchant, (iii) receiving, by the one or more computing devices, payment information for completing the payment form, and (iv) performing a security action that protects against a potential malware attack by encrypting the payment information in the payment form for validation by a payment gateway provider and completing the customer transaction session. Various other methods, systems, and computer-readable media are also disclosed.

Embodiments provide methods and systems for enabling interoperability between different Fast Identity Online (FIDO) service providers. A method performed by the server system includes receiving a mismatch resolution request including authentication information from a payment gateway for a FIDO authentication of a user. The method includes extracting a template associated with the second FIDO service provider from a plurality of templates. The method includes mapping, by a rule-based model, the authentication information on the template and transmitting a FIDO authentication request message including the template to the second FIDO service provider. Upon receiving a FIDO authentication response message including an authentication successful flag from the second FIDO service provider, the method includes transmitting an authentication successful message to the payment gateway.

A method, system, and computer program product for dynamically ensuring SDK integrity load, at a merchant system, a software development kit (SDK) wrapper from a payment gateway system via a merchant webpage associated with the merchant system; execute the SDK wrapper, the SDK wrapper loading an SDK core when executed; determine an integrity of the SDK core; in response to determining the integrity of the SDK core, perform a handshake between the SDK wrapper and the SDK core and overload a real function exported by the SDK wrapper; and provide, from the merchant system via the SDK core, a secure payment container request to a payment gateway system.

A system (100) and method (200) for facilitating frictionless and secure electronic transactions between registered users is disclosed. A payment application (102), executable on user electronic devices (10a, 10b), enables user registration, transaction initiation, and confirmation through interfaces (104). A registration module captures personal and financial details, which are converted into tokens by a tokenization platform and stored in a first memory (106a). Tokens of previously transacted users are stored in a second memory (106b) to enable seamless repeat transactions. A transaction server (108) generates a time-bound verification code via a verification code generation module (110), validates the code through a verification code checking module (112), and authorizes payment through an authorization module (112c). Upon approval from the first user's bank (40) or a payment gateway, funds are transferred to the second user bank (30), and a notification module (118) confirms the transactions

The invention discloses a web crawler defense method based on an http protocol version, and particularly relates to the technical field of web crawler defense. The method comprises the following steps: performing data acquisition and clustering on network requests entering a server to form an original request sample data set, extracting an HTTP protocol version number and TLS negotiation information based on the original request sample data set, comparing a UA identifier with version consistency, calculating version consistency parameters, and determining the version consistency of the server according to the version consistency parameters. The method comprises the following steps: extracting communication characteristics of third-party service callback, mobile terminal sharing and payment gateway requests in combination with server service logs, establishing an HTTP protocol version distribution model, constructing a joint identification matrix of HTTP protocol versions and service characteristics, calculating version abnormality scores, performing dynamic classification to identify suspicious crawler requests, generating abnormal request identification data, and sending the abnormal request identification data to a server; and finally, triggering a multi-layer interception mechanism based on the white list and gray level defense. According to the invention, the accuracy of web crawler detection and the flexibility of defense are effectively improved.

Implementing transaction reversals through (AI) simulations based on set theoretic properties is provided. The method receives a user request including user identification of a plurality of target recipient accounts. A discrete level of trust exists between the user and each of the target recipient accounts. The method further includes receiving a user specification of a transaction. A target recipient account is auto-selected based on the level of trust. The method derives identification information from the user request. The identification information includes user identity, recipient identity, and recipient know-your-customer information. The method leverages AI to perform a simulation of the transaction. When the simulation obtains greater than a threshold of trust between the user and the recipient, the method validates the transaction and forwards the transaction to a payment gateway. When the service is not confirmed, the method reroutes the transaction from the payment gateway for transaction denial, and sends alerts.

This application provides a billing method and apparatus based on agent-managed payment. The method includes: collecting resource usage data from an agent performing a task and reporting it to a billing server in real time to determine the corresponding agent service fee; after the agent locks onto a task target, generating a one-time payment token application based on the task target transaction information, including the transaction target, transaction object, and transaction amount, sending the payment application to the billing server and forwarding it to the payment gateway, so that the payment gateway generates a one-time payment token, the payment authority of which is restricted by the information in the one-time payment token application; the agent initiates a payment request with the one-time payment token, and after successful payment, the agent determines the task execution fee based on the payment amount and the agent service fee and sends the task execution fee to the user. This application can improve the security of agent-managed payment and the efficiency of billing generation.

Embodiments provide methods and systems for enabling interoperability between different Fast Identity Online (FIDO) service providers. A method performed by the server system includes receiving a mismatch resolution request including authentication information from a payment gateway for a FIDO authentication of a user. The method includes extracting a template associated with the second FIDO service provider from a plurality of templates. The method includes mapping, by a rule-based model, the authentication information on the template and transmitting a FIDO authentication request message including the template to the second FIDO service provider. Upon receiving a FIDO authentication response message including an authentication successful flag from the second FIDO service provider, the method includes transmitting an authentication successful message to the payment gateway.

The invention relates to the technical field of artificial intelligence, and discloses an intelligent accounting system based on a cross-border e-commerce enterprise, and the system comprises a data collection module, an intelligent processing module, an accounting execution module and a central control module. The system is also integrated with a risk early warning unit. The data acquisition module acquires heterogeneous transaction data from a plurality of cross-border e-commerce platforms and payment gateways in real time, and performs data deduplication and format standardization, so that the integrity and consistency of an original data set are ensured, reliable input is provided for subsequent intelligent processing, and the user experience is improved. Meanwhile, through cooperative work of the platform interface unit, the data cleaning unit and the storage management unit, automatic data collection, verification and safe storage are achieved, and the efficiency and reliability of data collection are improved.

The application discloses a payment transaction encryption verification system of multi-factor identity authentication, relates to the technical field of payment security authentication, and comprises a registration management, real-time data acquisition, risk decision, multi-factor authentication, token generation and transaction verification module. When the payment transaction is initiated, the system dynamically calculates an environmental risk index by analyzing network environment characteristics in real time, and selects a required authentication factor combination for verification in real time according to the index. The system uses an encryption synthesis algorithm to fuse and calculate a plurality of generated independent authentication results and transaction plaintext information, generates an encrypted payment token, and sends the token to a payment gateway to complete decryption and comparison verification. The authentication strength is intelligently and dynamically adjusted according to the environmental risk, the identity authentication evidence is deeply bound with the transaction information by using cryptography, and the security and reliability of the transaction process are improved.

The invention discloses a security arrangement for a financial transactional platform including a 3rd step in authentication for an online electronic fund transferring platform or in app authentication for transactions on mobile devices or web-based platforms, and adapted to be utilised by a client and / or user, which includes at least one of the following means to activate and / or trigger duress mode during the login process; while logged in to the FTP under normal conditions; on a third-party mobile phone / device; and / or duress mode can be triggered on the client's / user's device while transacting at an ATM, POS or payment gateway.

The invention relates to the technical field of electronic payment, and discloses an electronic evidence storage method and system for transaction security, and the method comprises the steps: injecting a payment request as an evidence storage identifier into transaction data of a payment gateway, and generating evidence storage transaction data; and extracting transaction key elements and binding the transaction key elements with the user payment identity credential to form a structured evidence storage instruction. And performing hash operation on the evidence storage effective load of the instruction to obtain a digital digest. And constructing a credible evidence storage data packet in combination with the timestamp and the digital digest. And generating an evidence storage completion receipt by taking the evidence storage identifier as the main body associated index information. Performing digital signature on the receipt to finally obtain a digital evidence storage voucher; according to the invention, the evidence effectiveness of the electronic certificate for transaction security can be enhanced.

A point-of-sale (POS) transaction routing system and method for real-time electronic fiat currency payments without cryptocurrency conversion includes a POS interface with biometric scanner for receiving fiat instruments (credit / debit card, ACH, wire) and capturing fraud-preventive data; an API / middleware for routing transactions across blockchain for on-chain validation; a payment gateway for hashing and recording metadata on the ledger; and a smart contract-based settlement mechanism delivering fiat to merchant wallets in sub-seconds. The blockchain serves as a low-latency validation / settlement layer, integrating biometrics for security, bypassing traditional delays without crypto exchange, and minimizing batch processing delays through real-time, individual transaction routing.

A system and method for method for scoring a user transaction by monitoring contextual and temporal features is disclosed. The method includes receiving, from one or more client devices, transaction data associated with a digital transaction of a user. The method includes receiving, from a plurality of data sources, a set of contextual features. The method includes extracting, from an activity history of the user, a set of temporal features. The method includes generating a personalized temporal-context representation of the user based on the received set of contextual features and the extracted set of temporal features. The method includes detecting a deviation between the personalized temporal-context representation and a baseline behavioral signature of the user. The method includes computing a transaction-risk score. The method includes generating a decision output. The method includes transmitting, to a payment gateway, one or more of the transaction-risk score of the decision output.

System disclosed herein aims to provide users with an easy way to locate and support local vendors like taco trucks and tamale vendors. For a monthly fee, vendors can register and list their locations on an interactive map, making them easily accessible to users. The app includes a distress button that vendors and users can activate in emergencies to alert nearby app users and authorities. Core features include user registration with email verification, vendor registration with detailed business information, a searchable map interface for locating vendors, and an emergency alert system. Additionally, the app offers a sponsorship section where users can support their favorite vendors through yearly subscriptions and donations via a secure payment gateway. The professional and business-oriented homepage prominently displays the app's logo and name, enhancing brand recognition. Overall, Vendor Finder improves local vendor visibility, community safety, and user engagement.

A system and method for leveraging email to complete a checkout for registered and unregistered customers of the e-commerce system are disclosed. The system and method include receiving, by an email payment gateway, an email message comprising a customer email address and a token. The token includes transaction information for a transaction from a third party vendor. The system and method further include determining a registration status of a customer based on the customer email address, wherein the registration status is one of a registered customer of the e-commerce system or an unregistered customer of the e-commerce system. The system and method further include decoding the token and sending an email message to the customer email address based on the registration status and the decoded token.

This invention relates to the field of electronic payment technology, and discloses a method and system for electronic evidence preservation for transaction security. The method includes: injecting a payment request as an evidence preservation identifier into the transaction data of a payment gateway to generate evidence-preserving transaction data; extracting key elements of the transaction and binding them with the user's payment identity credentials to form a structured evidence preservation instruction; performing a hash operation on the evidence-preserving payload of the instruction to obtain a digital digest; constructing a trusted evidence preservation data packet by combining a timestamp and the digital digest; generating an evidence preservation completion receipt by associating index information with the evidence preservation identifier as the main body; and digitally signing the receipt to finally obtain a digital evidence preservation certificate. This invention can enhance the evidentiary effect of electronic evidence preservation for transaction security.

This invention discloses a cloud speaker payment interaction method and system supporting voice broadcast, belonging to the field of data processing. The cloud speaker payment interaction method supporting voice broadcast includes the following steps: receiving a payment success notification sent by the payment gateway, verifying the digital signature of the notification to confirm the legitimate source, parsing the transaction information, and retrieving the list of cloud speaker devices bound to the merchant in the database according to the merchant identifier. Compared with the prior art, the beneficial effects of this invention are: during peak transaction periods, this invention merges multiple transaction amounts occurring consecutively within a short period into a single broadcast text, avoiding the cloud speaker repeatedly broadcasting prefixes and suffixes at high frequency, thus reducing auditory fatigue; at the same time, the merged text clearly lists all amounts, enabling cashiers to grasp multiple transaction information at once, avoiding difficulties in transaction identification caused by frequent broadcasts obscuring content, thereby eliminating the risk of missed payments or incorrect billing caused by confusing broadcasts when consumers have not paid.

A computer-implemented system for managing digital collectible transactions comprising a pack-value based repurchase architecture that provides guaranteed minimum returns based on original purchase price rather than volatile individual item valuations. The system implements a dual-transaction financial architecture wherein an initial purchase transaction through external payment gateways is followed by a separate repurchase transaction executed through an internal ledger system, providing immediate liquidity and regulatory advantages. Pack-level atomicity enforcement prevents fractured ownership by requiring all-or-nothing repurchase decisions for entire collectible item aggregates. Dynamic inventory management with real-time odds calculation and WebSocket-based communication provides transparent, synchronized user experiences across distributed client devices, addressing fundamental problems of financial risk, opacity, and liquidity in digital collectibles markets.

Embodiments of the invention may provide a technical solution by creating an interoperable or common transaction payment gateway with two-dimensional code so that legacy two-dimensional code payment platform may communicate with the more robust transaction payment platform. Aspects of the invention design a handle message, instead of the typical actual transaction message, encoded in the two-dimensional code such that merchants or consumers may transmit such handle to be further processed or decoded by the transaction handler. An advantage of embodiments of the invention may no longer need the consumer or merchant to upgrade its existing device to interpret the two-dimensional code to retrieve the handle and may no longer need to upgrade its payment processing network infrastructure. Embodiments of the invention bridge a gap between the legacy close loop two-dimensional code infrastructure and the robust and sophisticated payment transaction infrastructure.

We provide a billing device that allows for the simple and inexpensive implementation of code-based payment functionality. [Solution] The billing device of the present invention includes a code payment terminal that wirelessly communicates with an external payment gateway via a static MPM code containing identification information of the billing source, The system includes a billing control relay board that relays between the billing source and the code payment terminal, wherein the billing control relay board communicates serially with the programmable controller of the billing source, which controls the code payment terminal at a higher level, using a general-purpose communication protocol, and communicates serially with the code payment terminal using the JVMA communication protocol.

System and methods for contactless payment for hospitality services are described. User and / or remote service provider computing systems in point-of-sale, electronic reservation book, payment gateway computer(s) action / events related to the hospitality service are handled in accordance with the user's physical location within a geofence-defined area and / or within proximity of an RF module. Request one or more biometric authentication methods based on received location data of the user's physical location in proximity to the geofenced area and / or RF module. After successful authentication, a user and / or remote service provider computing systems in point-of-sale, electronic reservation book, payment gateway computer(s) within a hospitality venue performs actions / events handled by operational states of the systems / methods, which provide venue specific contactless hospitality ordering and payment.

The utility model provides a fixing structure for a payment gateway and the payment gateway, relates to the technical field of traffic equipment, and aims to solve the problems that the payment gateway is not fixed and is randomly placed in payment equipment, so that the payment gateway shakes and shifts, cables in the equipment are disordered, reasonable planning and layout of the internal equipment are influenced, and the service life of the payment equipment is prolonged. Space utilization is unreasonable, operation and maintenance are inconvenient, normal operation of the whole equipment is affected, fault risks are increased, and maintenance efficiency is reduced. A fixing structure is arranged and comprises a guide rail and a sliding block, and the sliding block is matched with the guide rail to slide on the guide rail; a first bottom plate, a first rib plate and a second rib plate in the guide rail are integrally fixed to form an inverted trapezoidal section; a third rib plate and a fourth rib plate in the sliding block are parallel to each other, are vertically connected to one side of the second bottom plate and are fixedly connected to form a T-shaped guide groove, and the payment gateway is clamped into a guide rail in the payment equipment through the sliding block, so that the payment gateway is fixed in the payment equipment, and the requirements of equipment use, layout and the like are better met.

A method is provided for an endogenous decentralized monetary system. The method comprises a governance token with limited issuance, a currency token with unlimited issuance, a target exchange rate between the currency token and a fiat currency, a standard interest rate credited to holders of the currency token, indicators of inflation or deflation of the currency token, compensation for merchants' exchange loss, mechanism for crisis detection and self-stabilization of the currency token. New currency tokens are originated from rewards to consumers, merchants, and payment gateways, whenever consumers transactions / consumption are performed. The money creation is endogenous to the consumption of widely distributed consumers and is separated from borrowing and lending activities. Smart contracts automatically adjust consumer reward percentages, merchant reward percentages, and the interest rate according to a predetermined policy cycle until inflation or deflation is stabilized within a 2% exchange rate range from the target exchange rate.