16 results about "Payment protocol" patented technology

The invention relates to the technical field of intelligent commerce, in particular to an AI-based cross-border e-commerce intelligent website building system, which comprises a semantic analysis module, a template generation module, an inventory linkage module, a customs clearance pre-check module and a dynamic tuning module. According to the method, a dynamic keyword library is generated through semantic clustering based on multi-language social media texts, a self-matching payment environment is established in combination with payment protocol feature fusion and mobile terminal parameter mapping, multi-warehouse inventory and logistics nodes are coordinated through a path optimization algorithm, and target market customs clearance rules are matched based on commodity material features. The dynamic adaptation capability of a cross-border e-commerce platform in multi-country operation is improved, automatic compatibility of payment interfaces is realized, the exchange rate conversion error of multi-currency settlement is reduced, the cross-border logistics resource scheduling accuracy is optimized, the commodity compliance pre-check efficiency is enhanced, and the risk of customs clearance delay and operation interruption caused by policy differences is reduced.

The invention discloses a campus part-time job method and system integrating auditing and settlement, and belongs to the technical field of data processing, and the method comprises the steps: obtaining part-time job item information, carrying out the decomposition and verification, generating a structured task set and a dynamic payment protocol, and obtaining the synchronous signing confirmation of a student end and a merchant end for the dynamic payment protocol; in response to a delivery completion statement submitted by the student terminal and acceptance confirmation of the merchant terminal, generating a performance confirmation record, and updating the state of the associated payment instruction packet to be activated into a confirmed state; and monitoring the state of the payment instruction packet, and when a preset triggering condition for starting settlement is satisfied, initiating a salary settlement operation of the payment instruction packet. According to the method, the technical scheme of decomposing the part-time job project into the atomic sub-tasks and associating the atomic sub-tasks with the independent payment instruction packet, and confirming driving state updating and settlement triggering through automatic performance is adopted, so that fine management of the part-time job task, automatic auditing of the performance process and instant and safe settlement of the salary can be realized.

To provide a system, a method, an article, and a computer-readable medium for authenticating a user using a payment protocol for purposes other than payment.SOLUTION: An application 114 executed on a computer system initiates communication to verify the identity of a user or to verify a card using a third-party device, and as part of the communication utilizes near field communication (NFC) with a card associated with the user, and is activated by tapping a contactless card 101 on a user device, for example, a mobile device 110. The communication includes receiving multiple inputs (including an application transaction counter (ATC)) by the application and generating a cryptogram based on the multiple inputs and a symmetric key associated with the contactless card. The application then transmits the cryptogram and the ATC to an issuer, and the issuer provides a response that verifies the user's identity based on the transmitted cryptogram.SELECTED DRAWING: Figure 2A

The present disclosure provides a gateway payment method, which can be applied to the technical field of Internet or the technical field of financial technology. The method is applied to a first server configured in a settlement structure, and the method comprises: obtaining, based on a gateway, a payment request message and quick payment protocol number field information from a second server; analyzing the payment request message and verifying the quick payment protocol number field information; when the quick payment protocol number field information is verified, querying a user quick payment protocol list and registering user quick payment information based on a user quick payment protocol information table, including a user quick payment voucher identifier and a first terminal identifier associated with the user quick payment voucher; and sending first payment verification information to a second terminal based on the user quick payment information to perform payment verification, wherein the first terminal is a mobile terminal and the second terminal is a PC terminal. The present disclosure also provides a gateway payment system, equipment, a storage medium and a program product.

This disclosure provides a natural interaction method and system for AR glasses QR code payment scenarios, applied in the field of AR technology. The method includes: responding to a user's activation command, the AR glasses acquire an environmental image of the area to be collected; wherein the user's hand is placed in the area to be collected with a specific gesture; based on the specific gesture, a lightweight image recognition model is used to identify whether the user in the environmental image has payment intent; if so, the corresponding payment code is identified; it is determined whether the identified payment code conforms to the static payment protocol specification; if so, a voice monitoring module is activated to acquire environmental sound, and the amount information is obtained based on the environmental sound; payment is performed after the user confirms the amount information. This disclosure integrates the payment process with natural offline interpersonal interaction, avoids accidental triggering through precise pointing selection, and embeds the payment amount input into the necessary dialogue between the user and the merchant, eliminating the awkwardness of the user publicly reciting the amount; finally, authorization is completed through physical triggering.

The invention discloses an anonymous payment protocol based on a USIM card, and relates to the technical field of electronic payment. Comprising the steps of constructing an anonymous transaction environment and executing a payment protocol; the construction of the anonymous transaction environment specifically comprises the following steps: a user terminal initiates an anonymous payment request E to a bank node; a traceable anonymous transaction environment is established after the bank verifies the request; the payment protocol is specifically executed as follows: a payment path is confused by setting a forwarding node and identity replacement; wherein the forwarding node determines message forwarding based on the probability evaluation result until the total communication path meets the preset secret level, and triggers the USIM server to complete payment. The information security of the payer is ensured, and the information of the receiver is held by the USIM instead of the payer, so that the information security of the payee is ensured, and the payment efficiency is improved. And the UISM server records the information of key transaction initiators and receivers, so that the traceability of the information is realized.

The invention relates to systems and methods for executing a digital-asset transaction using a dual-tier messaging architecture. A central messaging server provides tamper detection and message-integrity verification while routing bilateral messages between transacting devices. A permissioned-blockchain channel manages a smart-contract escrow that holds digital assets in cold storage. A fiat-rail channel integrates a real-time payment protocol to obtain bank or rail confirmation that fiat funds are credited to a seller account. Upon receipt of settlement evidence and a validated session state, the escrow releases the digital asset from a seller cold-storage wallet to a buyer cold-storage wallet. Embodiments may capture a seller opt-in via a banking application, generate a dual-ledger audit trail across permissioned and public blockchains, and emit transaction identifiers for cross-system reconciliation. The approach improves compliance, reduces counterparty risk, and provides verifiable audit artifacts for regulated settlement of digital-asset transfers.

Various embodiments generally relate to authenticating a user for non-payment purposes with a payment protocol, a computer device, and a contactless card. The payment protocol can be in compliance with EMV standards. An application can determine that authentication or verification of a user can require access to a non-payment feature of another application associated with the user and the computer device. The application can then receive and / or facilitate the transmission of encrypted data from a communication interface of a contactless card associated with an account and do so with offline or online techniques. The offline or online techniques can include one or more operations that can verify the identity of the user and / or authorize the user to access various aspects of the other application.

An identity verification system and method includes downloading a software layer to access an identifier from payment cards and cause a reader device to translate payment protocol data from the payment cards to security key protocol data. A request to access a computing resource may be received and the user may be prompted to cause an interaction between the payment card and the reader device. The software layer may translate data received from the payment card from a payment protocol to a security key protocol such that an identifier is identified in the security key protocol data. The user may be granted access to the computing resource of the application when the identifier is associated with the user.

The invention relates to a block chain communication method and system for bone tumor data security sharing, and particularly relates to the field of payment protocols and security transactions for business management, and the scheme realizes verification of the accuracy and foresight of node screening by constructing a dynamic evaluation system fusing node behavior prediction and mechanism situational trust, thereby improving the security of bone tumor data. The method greatly reduces verification delay, effectively avoids resource redundancy and waste based on an elastic verification scale mechanism of a trust state and a transaction risk, remarkably improves consensus efficiency, introduces real-time performance monitoring and double-loop feedback adjustment, enables the system to have a continuous self-optimization capability, can dynamically adapt to node behavior change and network fluctuation, and improves the reliability of the system. Therefore, efficient and reliable intelligent collaborative verification is achieved while high security of bone tumor data sharing transaction is guaranteed.

The invention discloses a trusted data value settlement method and system based on a block chain. The method comprises the steps of obtaining original data transaction requests of two data transaction parties, and generating data value evaluation information through a dynamic value quantification model; generating a credible data transaction smart contract for the data value evaluation information by adopting a multi-party security computing protocol; generating a data value settlement record by combining a smart contract with a dynamic game trust evaluation mechanism; and the settlement record is chained and stored to a block chain distributed account book through an anti-quantum encryption algorithm, and settlement is completed through a decentralized payment protocol. The system comprises a data acquisition module, a contract generation module, a transaction verification module and an uplink storage module. Through dynamic value quantification, multi-party security calculation and dynamic game trust evaluation, the problems of difficulty in data value quantification and malicious transaction are solved, transaction privacy protection and credible traceability are supported, and the scheme is remarkably different from an existing scheme.

Various embodiments are generally directed to authenticating a user for non-payment purposes utilizing a payment protocol, a computer device and a contactless card. The payment protocol may be consistent with an EMV standard. An application may determine that authorization or verification of a user may be required to access non-payment features of another application associated with the user and the computer device. The application may then receive and / or facilitate transmission of encrypted data from a communications interface of a contactless card associated with an account and utilizing either an offline or online technique to do so. The offline or online technique may involve one or more operations that can verify the identity of the user and / or otherwise authorize the user to have access to various aspects of the other application.

The embodiment of the invention provides a charging pile payment method, system and device, equipment, a storage medium and a product, and relates to the field of financial science and technology. The method comprises the following steps: acquiring identity information of a target vehicle, and sending a signing request to a user side based on the identity information; authorization information sent by the user side is received, a payment protocol is generated based on the authorization information, and the authorization information is generated by the user side according to the contract signing request; after charging of the target vehicle is completed, based on the payment protocol, sending a payment execution request to the user side, so that the user side responds to the payment execution request of the charging pile side, executes payment operation and obtains a payment operation result; and controlling the unlocking state of the charging pile corresponding to the target vehicle according to the payment operation result. According to the method, the charging payment process is simplified, so that the charging payment efficiency is improved, and the user experience is improved. Through the payment protocol and the unlocking state control, the phenomena of wrong fee deduction and fee evasion are avoided, and the safety of charging payment is improved.

Some aspects of the present technology relate to technologies for providing a self-learning apparatus to detect all possible financial fraud behavior within a payment processor. In accordance with some configurations, payment protocols are modeled as a graph and a model simulation exhaustively searches all possible states spaces. Invariants are checked at each step and invariant violations (i.e., exploits) are logged with the sequence of steps that led to a respective exploit. In some aspects, upon determining a fix for the exploit, the graph model is updated and the model simulation is run again to confirm the fix has eliminated the exploit. A policy update or code enhancement may be implemented to modify the payment protocol accordingly.

The present disclosure provides a method of implementing a payment service for one or more clients for transactions associated with a distributed ledger, such as the Bitcoin blockchain. The method comprises providing an alias for a client, associating the alias with a network in a directory and providing a location for a host computing resource responsible for the payment service, wherein the host computing resource is configured to facilitate identification of the client associated with the alias. The present disclosure also provides a method comprising creating a machine readable resource in a location associated with the payment service, wherein the machine readable resource comprises an endpoint identifier for the payment service, an entry associated with at least one capability supported by the payment service, and instructions and / or a specification for accessing a public address for facilitating transactions associated with the alias. The present disclosure also discusses a method of implementing a simplified payment protocol for clients associated with the payment service.

The invention discloses an automatic payment method based on a smart contract, and relates to the technical field of electronic transactions. The method comprises the steps of firstly obtaining and analyzing a payment protocol, performing separation processing on a payment amount, a payment condition and an external data source identifier, transmitting the payment amount to a payment smart contract for locking, digitizing the payment condition into an executable code, deploying the executable code to an arbitration management smart contract, and sending the data source identifier to a decentralized oracle network, then, the oracle machine network monitors the under-chain state data, judges whether the payment condition is met or not through a consensus mechanism, submits a verification certificate to the arbitration governance intelligent contract, sends an execution instruction to the payment intelligent contract after the verification certificate of the arbitration governance intelligent contract is valid, and finally automatically completes fund transfer through the payment intelligent contract. Therefore, through combination of the intelligent contract and the oracle machine technology, trustworthy payment with intermediary removal, condition triggering and real-time automation is realized, and the settlement efficiency, transparency and flexibility are remarkably improved.