50 results about "Payment gateway" patented technology

The invention relates to a knowledge sharing and realization system based on a social network, and belongs to the technical field of information. The system adopts a three-layer framework including a bottom layer, a middle layer and a top layer. And the bottom layer comprises a social relation graph construction module, a behavior analysis module and a multi-terminal interaction module. And the middle layer comprises a database module, an intelligent recommendation module, a security verification module and a payment gateway module. And the top layer is used for realizing interaction between a user and the system, and comprises a transaction collection module, a knowledge sharing module and a personal information module. According to the method, the knowledge exchange and realization requirements of the college students are met, the learning efficiency and practical ability of the college students are improved, the development of knowledge economy of the college students is effectively promoted, optimal configuration and efficient utilization of educational resources are promoted, and the method has important social value and wide market prospects. Important practical significance and market prospects are realized.

The invention relates to the technical field of intelligent payment, in particular to an intelligent payment mode recommendation method based on transaction context, and the method comprises the following steps: a payment gateway obtains information from a current payment request, distributes a corresponding reference risk score for each piece of information according to a preset reference score table, and generates a quantitative risk factor vector; in a payment request initiating stage, a quantitative risk factor vector is generated by extracting geographic position anomaly, time anomaly, amount anomaly, merchant risk level, equipment credibility and network environment state directly associated with a transaction environment in real time, and numerical mapping is carried out on each state in combination with a reference score, so that a payment result is obtained. And high-dimensional quantification of the transaction background is realized. In the construction process of the risk index, the risk potential energy of each risk factor is bound with the historical transaction state, the transaction risk index is formed in a dynamic accumulation mode, and the continuity and sensitivity of risk description are enhanced.

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 system and method for processing digital payments using a smart chip payment acceptance module associated with an Internet of Things (IoT) or vending device via a virtual EMV terminal process for cloud-based digital payment transactions. A short-range communication channel is provided between a mobile user device and the payment acceptance module. The mobile user device includes a wallet application with an integrated merchant application used to create a payment transaction. An unlock device enables digital secure remote payments (DSRP). A smart chip server connected to a payment gateway can generate an encrypted proof of payment (POP) message indicating completion of the payment transaction. The user can complete the payment transaction using the integrated wallet application within the user device in an online or offline mode of the vend device for seamless interaction with the system by a new user as well as improved flexibility for merchants and consumers.

The invention provides a payment routing control method, an intelligent payment routing system, a program product and a device. The payment route control method comprises the following steps: collecting time sequence data in real time through an Agent component deployed in a payment gateway, wherein the time sequence data comprises user behavior data, transaction data, account data and environment data; analyzing the time series data through a risk analysis engine, and generating a risk identification result from multiple dimensions including user behaviors, transaction features and account history; selecting a first payment channel from the plurality of payment channels according to the risk identification result; and payment is executed through the first payment channel.

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.

This invention discloses an intelligent self-service recharge system and its security optimization method, belonging to the field of communication technology. It includes a main application server, an event bus cluster, a NAS storage device, an API gateway, a payment gateway server, an anomaly detection server, a LAN switch, a self-service terminal, a card reader, a firewall gateway, and an external payment system interface. It solves the technical problems of providing modular services, improving system flexibility and scalability, enhancing data security, and optimizing event handling mechanisms. It is easy to expand and maintain, improves data interaction efficiency, has efficient event handling, enhanced data security, an intelligent recommendation engine, and an innovative user experience. It seamlessly integrates identity verification, payment, photo upload, and feedback processes, significantly improving system usability. It also introduces a social recommendation mechanism to enhance employee interaction and consumption experience.

A QR code-based bill-linked PG service system and service method for enabling a payer to check a QR code-based bill with his or her smartphone and make payment through a PG linked to the bill. The system includes a service terminal for receiving billing information and requesting generation of an open bill in form of a QR code, a payment server generating the requested open bill and providing the requested open bill to the service terminal, and a smartphone-type payer terminal scanning the open bill displayed on the service terminal. The payment server verifies a payment bill linked to the open bill when the payer terminal scans the open bill, and then allows a mobile PG service to be displayed on the payer terminal such that a payer is able to make mobile payment using a service of a payment company desired by the payer.

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.

Systems and methods linking a first party with a plurality of second parties via a single platform executing multiple applications are disclosed herein. In an embodiment, the system includes a memory storing a second party database, a processor programmed to cause generation of a graphical user interface prioritizing data from the second party database and enabling the first party to select a second party as a service provider, and an application programming interface configured to define how the processor communicates with a plurality of external sources via a routing gateway. The processor is programmed to communicate with the external sources via the routing gateway for generation of the graphical user interface, and to communicate with a third-party payment gateway via the application programming interface to cause a common application section of the graphical user interface to accept payment from the selected service provider using the third-party payment gateway.

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.

A system (100) for AI-driven data analysis of global banking transactions for dynamic credit risk assessment within a European regulatory framework, comprising: a data acquisition module (1) configured to capture transaction records from multiple jurisdictions, customer profiles, open banking feeds, negative media signals, sanctions lists and macroeconomic indicators; a regulatory policy engine (2) that stores machine-readable EU regulatory rules and restrictions; a data protection-compliant processing layer (3) configured to convert raw data into anonymized feature tensor values; a graph creation module (4) configured to create and maintain an entity-transaction graph that links counterparties, instruments, regions, channels, and ownership relationships; a model orchestration module (5) that hosts multiple AI models and runtime policies; an explainable risk assessor (6) configured to generate a time-dependent credit risk assessment and associated justification codes; a decision module (7) configured to calculate dynamic credit actions constrained by the regulatory policy engine (2); a tamper-proof audit ledger (8) that records data origin, model versions and decisions; a real-time interface (9) for transmitting assessments, reasons and actions to core banking systems and payment gateways; and a fairness and bias monitor (10) configured to continuously evaluate metrics with different impacts and to control the provision of model snapshots.

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.

The invention relates to the technical field of intelligent selling, and discloses a barreled water automatic selling system of an unmanned water changing cabinet, the system comprises an identity authentication module, an empty barrel recovery module, a full barrel water detection module, a full barrel confirmation module, a payment module and a water taking module, the identity authentication certificate of the unmanned water changing cabinet is generated according to an operation instruction; the recycling module is used for opening a recycling bin door of the unmanned water changing cabinet based on the identity authentication credential, detecting the weight of an empty barrel thrown by a user and generating a recycling credential; activating a depth camera and a weighing element of a full bin in the unmanned water changing cabinet, and synchronously obtaining a depth image and real-time weight data; verifying the state of the full water, and outputting a barrel body integrity identifier of the full water; when the barrel integrity identifier passes verification, a dynamic payment voucher generator is triggered, an encrypted payment instruction is generated in combination with the identity authentication voucher and the barrel integrity identifier, and the encrypted payment instruction is sent to a payment gateway; according to the invention, the accuracy of automatic vending of barreled water can be improved.

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.

A system for transferring funds to a gaming device is described. The system includes a mobile communication device with an application that receives a user instruction to transfer funds from a financial account to the gaming device. The gaming device is associated with a CMS and communicatively coupled to a payment gateway. The gateway is communicatively coupled to the account. The gateway transfers funds from the account to the gaming device associated with the CMS. The host system is communicatively coupled to the gaming device via a local network. The funds management portal is communicatively coupled to the host system and the gateway. The funds management portal receives a record of the funds transfer from the financial account and sends a plurality of instructions to the host system, which issues a credit to the gaming device.

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.

Disclosed is a system and method for facilitating digital notices relating to a real estate property and managing thereof. The system (100) comprises a web portal (10) for facilitating digital notices relating to a real estate property. A plurality of cloud computing platforms (60) is configured to host the web portal (10). The web portal (10) retrieves digital notices from a cloud (80) via an API gateway (1). A serverless computing platform (2) allows the user to file the new notice for already registered properties, view the Live notices, cancel the notices, and / or to make changes or correction in already filed notices. Additionally, the system facilitates third party integration with a plurality of external gateways such as i-Sarita, Aadhar gateway, a Payment gateway, Maharashtra Bhumi Abhilekh, and the like.

This invention provides a zero-trust digital RMB payment system and security protection method, including a payment APP, a zero-trust payment gateway, a mobile payment server, a zero-trust policy management system, and a risk information system. It identifies the terminal, person, account, and payment platform in mobile payment, and performs continuous and reliable verification of the identity in mobile payment. At the same time, it assumes that identity authentication credentials and payment messages are not trusted by default, and performs continuous and reliable verification on all of them. Even if the identity is completely forged, the content is controllable, and every link of the payment is trustworthy.

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 a test method and device for modifying payment amount, electronic equipment and a storage medium, and the method comprises the steps: intercepting a request stream initiated by a business system to a payment gateway through a mesher tool according to a preset first rule, and forwarding the request stream to a Monkey-Core service; under the condition that the Monkey-Core service determines that the request stream is matched with the second rule, the actual amount in the request stream is modified into the test amount; the modified request stream is sent to a payment gateway through a Monkey-Core service, so that the payment gateway completes payment according to the test amount; and in response to a payment result query request of the business system, restoring the test amount in the payment response result to an actual amount through the Monkey-Core service, and feeding back the actual amount to the business system. The method can improve the authenticity and effectiveness of the test result.

A system, method, and computer program product for automatically updating credentials are provided. The system includes at least one processor programmed or configured to: receive a migration request from a first issuer system, the migration request identifying an original account identifier, a new account identifier, and a credential request history associated with the original account identifier; analyzing the credential request history to identify at least one pre-provisioned credential associated with the original account identifier, the at least one pre-provisioned credential including at least one of a card archive merchant credential and a device token; and in response to identifying the at least one provisioning credential, automatically generating an update request configured to cause at least one of a merchant system, a payment gateway associated with the merchant system, a user device, or any combination thereof to update the at least one provisioning credential based on the new account identifier.

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.