43 results about "Payment protocol" patented technology

A method, system, and computer readable code for enabling use of smart cards by consumer devices for Internet commerce. This is achieved by integrating an existing “Integrated Circuit Card Specification for Application Payment Systems” standard (commonly known as the “EMV” standard) with an augmented version of the Four-Party Credit / Debit Payment Protocol which was disclosed in U.S. Pat. No. 6,327,578. The result of the integration allows a consumer to use a smart card from a personal computer system for credit or debit transactions, while preserving the level of security and other features required by the credit card associations and banks. No modifications are required to the existing EMV standard or existing EMV smart cards.

A method, system, program, and method of doing business are disclosed for electronic commerce that includes the feature of a “thin” consumer's wallet by providing issuers with an active role in each payment. This is achieved by adding an issuer gateway and moving the credit / debit card authorization function from the merchant to the issuer. This enables an issuer to independently choose alternate authentication mechanisms without changing the acquirer gateway. It also results in a significant reduction in complexity, thereby improving the ease of implementation and overall performance.

A method, system, and computer readable code for extending payment protocols to include information related to the television context of commercial activity between a consumer using a television (or a set-top box) and a merchant, thereby enabling “TV commerce” to generate additional revenue streams which may include payments to the operator of the television system, as well as to various other parties (such as a cable or satellite provider who is providing the broadcast, the ad agency responsible for creating the advertisement from which the consumer made his purchase, etc.) involved with television advertisements and programs. A number of different payment protocols may be used for these TV commerce transactions, where the protocol messages are then augmented according to the present invention to include TV context data. Upon receiving the funds for a TV commerce purchase, the revenue is allocated and distributed to one or more parties associated with the television program or advertisement the consumer was viewing at the time of his purchase.

Methods, systems, and devices are disclosed for using a payment processing network as an authorization engine to access secure physical areas, such as college dormitories, office buildings. A keycard with a cryptogram generator is presented by a user to an access device, and the access device or associated computer sends an access request message formatted like a payment authentication request message to an aggregator / acquirer and payment processing network. The payment processing network validates the cryptogram and returns an access response message, again formatted like a payment authorization response message, indicating that the keycard is authentic. The gate, door, turnstile, or other barrier is then temporarily unlocked to let the user through.

Online commerce is often conducted in a network including buyer computers, seller computers, financial institution computers and a payment management computer, which provides payment management services to sellers. Payment management software makes use of a generic framework including Payment Instruction, Capture, Refund, Account and Batch data structures. The generic framework is extended to support transactions which conform to uncommon payment protocols, for example, by shipping the merchandise Collect On Delivery or COD. The Payment Instruction data structure is modified to include two seller-definable fields, each of which can be written with data required for the particular type of transaction being modeled. The Account data structure is modified to include a field for receiving data identifying the particular type of transaction being modeled..

A system for bankcard payments, wherein payments are peer-to-peer transactions between the cardholder and merchant without participation from any third party. The system uses standard bankcards and supports both debit and credit card payments. For authorization of payments the system uses a special, global, distributed, append-only, and secure public bankcard ledger. The entries in the ledger are virtual accounts used for bankcard payments, organized into account chains. The system provides security, privacy, anonymity, and untraceability for cardholders and their transactions. The system allows for various users of the system to participate in transactions using preexisting payment systems. In one embodiment, specially designed mobile software modules and an innovative payment protocol all for transactions to be made between users.

A payment system for accessing Internet content is located within an Internet service providers network. The system includes an access controller (106) and a payment authority (108). When an end-user makes a request for a URL, the access controller terminates the request and determines whether the requested URL is one for which a charge for accessing the content referenced by that URL is required. That determination is made by comparing the requested URL with a set of rules that are supplied by all the content providers for which the service provider supports payment. If no match is found, the request is forwarded to the content provider. If a rule is found that matches the requested URL, the end-user is identified and the request is forwarded to the payment authority where a payment policy associated with the matched rule is applied. If the end-user fulfills the requirements of this payment policy, then access to the content is granted. The end-user may fulfill the requirements of the payment policy, for example, through a current subscription to a content provider's site, through an auto-payment agreement in which all charges of less than an agreed upon amount are automatically accepted, or by specifically accepting and agreeing to pay an indicated charge for accessing the requested content. In accepting any such payment arrangement, the end-user's account with the service provider is debited for the appropriate charge and the content provider's account is credited for the end-user's access.

A service processing system comprises a unified payment system, at least one front end payment system and at least one channel system, wherein each front end payment is connected with a unified payment system respectively via unified request communication interface for receiving service request and sending the service request to the unified payment system; the unified payment system determines a channel system which is the service request attributed to, selects and executes the processing of the channel system. The service processing system adopts unified payment protocol and unified process control, to separate the payment systems, the channel system and the service system at the point of logics and processes, therefore, the modification on any system or the system increase will not affect the prior design or application of other systems, to reduce the dependence among systems, and effectively reduce application cost and maintenance cost. The invention further provides a service processing method.

A method, system, and computer readable code for extending payment protocols to include information related to the television context of commercial activity between a consumer using a television (or a set-top box) and a merchant, thereby enabling “TV commerce” to generate additional revenue streams which may include payments to the operator of the television system, as well as to various other parties (such as a cable or satellite provider who is providing the broadcast, the ad agency responsible for creating the advertisement from which the consumer made his purchase, etc.) involved with television advertisements and programs. A number of different payment protocols may be used for these TV commerce transactions, where the protocol messages are then augmented according to the present invention to include TV context data. Upon receiving the funds for a TV commerce purchase, the revenue is allocated and distributed to one or more parties associated with the television program or advertisement the consumer was viewing at the time of his purchase.

The invention provides a novel intelligent subway gate passing method. The method comprises the steps that a client of a mobile terminal receives a user voucher and account information sent by a server and generates a dynamically refreshed two-dimensional code; a gate receives two-dimensional code information sent by the client of the mobile terminal, wherein the two-dimensional code information comprises user account and travel information; the gate continuously scans the dynamic two-dimensional code information, and sends the two-dimensional code information extracted after scanning to the networking cloud for verification when any two continuous two-dimensional code information groups are acquired within one second and the two-dimensional code information groups pass direct verification locally; and the gate is opened for the user to pass after the two-dimensional code information passes verification performed by the networking cloud. According to the method, passengers need not to buy a ticket, and the fee is automatically deducted from the account balance or automatically paid through a signed small-sum password-free payment protocol after leaving the station and terminating the travel, thereby greatly saving the operating time and the queuing time of the passengers.

A system for bankcard payments, wherein payments are peer-to-peer transactions between the cardholder and merchant without participation from any third party. The system uses standard bankcards and supports both debit and credit card payments. For authorization of payments the system uses a special, global, distributed, append-only, and secure public bankcard ledger. The entries in the ledger are virtual accounts used for bankcard payments, organized into account chains. The system provides security, privacy, anonymity, and untraceability for cardholders and their transactions. The system allows for various users of the system to participate in transactions using preexisting payment systems. In one embodiment, specially designed mobile software modules and an innovative payment protocol all for transactions to be made between users.

The invention relates to the field of secure electronic payment, in particular to a secure electronic payment method based on four parties for an SET protocol. The electronic commerce payment refers to the activity of sending data to a bank to realize electronic payment in a secure manner by adopting a novel payment means, including a credit card, a debit card, an intelligent card and the like, among a consumer, a merchant and a financial institution, and is the core of realizing electronic commerce. The establishment of an SET-protocol-based secure electronic payment protocol which satisfies atomic transaction and comprises dispute handling rules is crucial. According to the secure electronic payment method, participants of the secure electronic payment protocol based on four parties include a client, a merchant, a payment institution and a fourth party; and in the secure electronic payment protocol, 3 dispute handling protocols are designed in consideration of possible dispute cases in transactions on the basis of a principle protocol of an electronic commerce payment protocol, and the 3 dispute handling protocols are a goods returning protocol when the client requires goods returning, a goods exchange protocol when the client requires goods exchange, and a dispute handling protocol when the goods received by the client is inconsistent with that of a client order.

A system used for realizing confirmed payment on network comprises data storage unit for storing network confirmed payment protocol and network confirmed transaction information; data processing unit for fetching information from data storage unit according to information received from transaction terminal and for carrying out sign and issue, ownership transfer and cashing of network confirmed payment according to fetched information. The method for carrying out confirmed payment on network is also disclosed.

The invention provides a dual gateway-based lightweight mobile payment protocol design method. According to a dual gateway-based secure payment protocol designed by the method, a user initiates a payment request, and a symmetric key system is used in a protocol process. The secure protocol provided by the invention meets a basic security requirement of the payment protocol, and comprises confidentiality, intactness, unforgeability and non-repudiation; meanwhile, in order to guarantee the privacies of the user and a merchant, the protocol is that the user and the merchant use dynamic IDs; and in each transaction process, a random pseudo ID is used, so that an anonymity of the user to the merchant and an anonymity of the merchant to an issuing bank of the user. The symmetric key system whichreduces the resource consumption of a mobile terminal in encrypting and decrypting processes is very light in weight and is applicable to a mobile payment system. In conclusion, the secure protocol provided by the invention provides all security attributes required by the mobile payment system, and is relatively high in execution efficiency.

The invention relates to an expressway barrier-free toll collection system based on 5G Internet of Vehicles technology. The system comprises a vehicle-mounted positioning communication device and an expressway base station system, the vehicle-mounted positioning communication device is composed of a satellite positioning module, a 5G signal module, a data storage device, a loudspeaker, a central processing unit and the like, and the device is placed in a vehicle and records the driving track and position of the vehicle; the expressway base station system is composed of a toll station 5G base station, a vehicle identification instrument, a plurality of portal frame 5G base stations and the like, and each 5G base station releases a 5G signal and is connected with the vehicle-mounted positioning communication device through the 5G signal. When the vehicle enters the entrance of an expressway toll station, the positioning module positions and records the entering position, each portal frame vehicle identification instrument along the expressway section verifies the vehicle information in real time, forms fee deduction information when the vehicle enters the exit of the expressway tollstation, a user binds payment software, a fee is automatically deducted according to a payment protocol, and if fee deduction is not successful, the user scan codes to pay in an unlimited time, the working efficiency of the expressway toll station is improved, and the congestion phenomenon of expressway ports is reduced.

Systems and methods of enabling a mobile computing device to perform a transaction using a first payment protocol and a second payment protocol, by executing a process on the mobile computing device, to communicate with a transaction platform executing a processor to associate a receipt of payment via the first payment protocol to the transaction platform with an account associated with the mobile computing device; receive from the transaction platform a temporary credential used for payment via the second payment protocol, the temporary credential funded based on the receipt of the payment to the transaction platform; contact a terminal via a communication protocol; and use the temporary credential to cause payment via the terminal.

The invention relates to a secure payment method for mobile electronic commerce based on 3-D secure, which transmits all transaction information and authentication information needed through one-way transmission, wherein sensitive user information is transmitted in an encrypted way, guaranteeing the security of personal information of a payer and reducing dependence on the security of a transmission network. Meanwhile, an identity is authenticated without establishing extra connections and a payment amount restriction is relaxed. The user can use a common mobile terminal for mobile payment without replacing the common mobile terminal with a new one and can use the method for mobile payment anytime and anywhere as long as a wireless communication network is available in an area. Compared with prior art, the method is better than prior payment protocols with respect to both security and performance, therefore the method is more suitable for current mobile payment business.

The invention relates to a multichannel POS (Point of Sale) machine system, which comprises a POS machine server, a communication module and a POS machine, and is characterized in that the POS machine is connected with the POS machine server through the communication module, the POS machine server has a payment protocol with a bank and a third-party payment system, and the POS machine server is responsible for cancellation of dealing accounts after verification between the local-end POS machine and the bank and the third-party payment system. The multichannel POS machine system converts one-machine-one-channel of the existing POS machine into one-machine-multi-channel through setting a multichannel information processing unit, so that payment means of a band card and third-party payment software can be integrated conveniently, the POS machine can generate a commodity price two-dimensional code automatically, and price payment for the commodity is realized through a two-dimensional code scanning payment technology of the third-party payment software, so that expenditure cost of merchants is reduced, existing mainstream payment means are integrated, the convenience of payment is improved, the service efficiency of the merchants is well improved, and the distance between the merchants and the customers is facilitated to be reduced.

The invention discloses a password-free signing method and device of a payment protocol, which can be used in the financial field or other fields. The method comprises the following steps: analyzing a protocol signing request sent by an application software client to obtain signing information, and generating an access request message, wherein the subscription information comprises a client card number; determining a card issuing bank according to the client card number, encrypting the access request message according to a preset encryption rule, and sending the encrypted access request message to a card issuing bank server; receiving scene admission information returned by the issuing bank server, and generating a contract signing request message according to the contract signing information and the scene admission information; and encrypting the signing request message according to a UnionPay encryption rule, and sending the signing request message to a UnionPay server. Through a pure message interaction mode, access verification and scene access information verification of a password-free signing scene are carried out, so that payment protocol signing is completed, interaction between a bank client and multiple systems is effectively reduced, and the business handling efficiency is improved.

The invention discloses a parking space sharing method. The method comprises: a first client issuing parking space sharing information in a shared parking space information network, and a second client issuing a parking space reservation request in the shared parking space information network; each transaction server obtaining parking space sharing information in the shared parking space information network and storing the parking space sharing information in respective transaction pools, when parking space reservation requests are obtained, determining shared transactions according to the parking space sharing information in the transaction pools, and issuing the determined shared transactions; and when the shared transaction is finished, triggering a payment protocol to automatically transfer the corresponding number of tokens from the second client to the corresponding first client. According to the method, the matching rate of shared transactions is improved, and the sharing experience of vehicle owners is improved. The service cost is public and transparent, so that the disordered charging phenomenon is avoided.

Under an agreement between a buyer and a supplier, the buyer agrees to a minimum purchase and receives a flexible early-payment rebate on each individual transaction between the two. Because of the purchase and early-payment agreement, the transaction services can be bundled with other services such as foreign exchange and insurance. This “bundling” may be performed electronically based on business rules and preferences, and is described as the “augmentation” of financial services with electronic payment services within a network including buyer and supplier. Thus, on a per-transaction basis, each transaction can receive a rebate, be covered by insurance, and receive the benefit of favorable foreign-exchange rates. The buyer can configure a system such that specific services are applied to specific transactions. The buyer or supplier can also generate reports that detail the rebates, as well as the savings associated with each transaction by service.

A cryptographic system (SYS) for data exchange and related methods. The System comprises a data controller (DC) to provide an encrypted asset (ED), a data receiver (DR) to receive the encrypted asset (ED); and a verifier module (VM). The verifier module (VM) is to receive input from the data controller. The input includes, a) an encrypted key ({M}_PB), wherein the key (M) is indicated as capable of decrypting the encrypted assert (ED), and b) a commitment (C[M]) indicated as computed for the key (M). The verifier module (VM) executes at least one pie-configured cryptographic proof based on the input to compute at least one verification result. The verifier module (VM) releases the encrypted key (E[M]) to the data receiver based on the verification result. The verification result is indicative of whether or not i) the encrypted key is a correct encryption of the key and / or, ii) the key (M) is capable of correctly decrypting the assert; and iii) the commitment (C[M]) is correct for the key (M).

The invention belongs to the technical field of unmanned convenience stores, and particularly relates to a method and system for immediate taking and immediate taking based on RFID and face-scanning payment. The method comprises the following steps: S1, inputting face information, binding a signed payment protocol, recognizing the identity of a customer through face scanning, and enabling the customer to enter a store for release; S2, wherein each commodity comprises an RFID tag, and the commodity can be identified by identifying the tag; S3, triggering an infrared device RFID card reader in the identification area to read the current commodity information and judging the cost needing to be paid through the background; S4, scanning the face to confirm the identity of the user, and initiating a deduction request to the customer through third-party payment; and S5, opening an off-store channel for the customer to enable the customer to leave the store after determining that the deductionsucceeds. The concept that the unmanned convenience store can be taken away immediately in the true sense is achieved, the operation difficulty of customers is lowered, the shopping time of the customers is saved, the unmanned convenience store can truly achieve the capacity of providing service uninterruptedly for 24 hours, and a convenient and fast shopping concept is brought to the customers.

The embodiment of the invention discloses a payment method, device and equipment. The method comprises the steps of obtaining payment operation of a user on a target order by adopting a target bank card; obtaining state information of a quick payment protocol of the target bank card; when the state information shows that the quick payment protocol of the target bank card is in a failure state, generating first prompt information for prompting a user to rebind the target bank card; and receiving confirmation operation information which is input by the user based on the first prompt information and is used for confirming that a target bank card is rebound, rebinding the target bank card, and completing payment of the target order based on the rebound target bank card.

An artificial intelligence restaurant ordering system disclosed by the present invention comprises a front end, a local area network and a rear end, the front end comprises a CPU, a menu storage module, a man-machine interaction module A, an LCD A, a payment module, a payment protocol and a real-time communication module A. The front end is used for operating ordering, and the rear end is used for a restaurant kitchen to receive ordering information of the front end. The CPU is used for processing, calculating and executing all front-end commands, and the menu storage module is used for storing all dish information of a restaurant; according to the invention, main materials of dishes can be displayed, dishes easy to cause allergy can be marked, dish cooking techniques can be displayed, changeable seasonings can be marked, a user can conveniently set a seasoning proportion suitable for own taste, the user can timely communicate with the rear end through the front end. Meal requirement information can be conveniently and timely conveyed, and a kitchen can conveniently and timely make improvements.

The invention belongs to the field of payment systems, particularly relates to a parking lot scanned payment system based on an all-in-one machine, and aims to solve the problems that existing main scanning payment excessively depends on network signals, a vehicle owner needs to sign a non-inductive payment protocol in advance for non-inductive payment, and the deduction amount cannot be immediately known. The system comprises an identification module, a transmission module, a fee calculation module, a cache module, a code scanning module, a fee deduction module, a feedback module and a storage module, wherein the identification module is connected with the transmission module and the storage module, the transmission module is connected with the fee calculation module, the fee calculation module is connected with the cache module, the cache module is connected with the code scanning module. According to the invention, the defect that quick payment cannot be realized due to poor network signals of an underground garage can be alleviated, the uncertainty caused by the fact that consumption details of parking cannot be perceived in time by non-inductive payment can be eliminated, the payment time is shortened, the travel time of a vehicle owner is shortened, and carbon emission is reduced.

The invention discloses a medical information processing method, device and system based on a block chain and relates to the technical field of block chains. The method comprises steps of receiving medical service bill information generated based on medical service completion information, and the medical service bill information comprises medicine information; executing payment operation corresponding to the medical service bill information according to a pre-stored payment protocol; in response to successful execution of the payment operation, generating drug receiving information according to the drug information; and sending the medicine getting information to the user terminal, so that the user can get the medicine conveniently. According to the method, automatic circulation of variouslinks such as treatment, payment, medicine dispensing, medicine taking and the like of the user can be effectively realized, and the doctor-seeing experience and efficiency of the user are improved.