20 results about "Payment service provider" patented technology

At a vending machine (1), ordering and dispensing products (4) occurs through interaction between the vending machine (1) and a user (7). Payment for the products (4) is processed through communication between the user (7) and a payment service provider (9), and between the payment service provider (9) and the vending machine (1). Registration of the user (7) at the vending machine (1) or a special app is not required.

This system provides comprehensive data-driven solutions to challenges in urban areas, such as frequent traffic congestion, excessive energy consumption, and a lack of efficient waste management. [Solution] A system comprising means for acquiring location information and search data from a location information service provider, means for acquiring payment data from an electronic payment service provider, means for integrating the acquired location information, search data, and payment data and performing data cleaning, means for applying a machine learning algorithm to predict pedestrian flow based on the integrated data, means for proposing optimization of transportation operations based on pedestrian flow predictions, means for performing demand forecasting in commercial facilities and adjusting energy-saving measures, means for collecting wide-area data using a high-altitude platform and evaluating disaster risk, and means for providing personalized action guidelines to users.

The issue is that we are not able to provide convenient payment services using cryptocurrencies. [Solution] A program used in an information processing system consisting of a user terminal that can be operated by a user and a server, the program executing the following steps: a storage step in which the server stores crypto assets in a specified user wallet associated with the user; an allocation step in which the server assigns a contract related to the payment destination to the specified user wallet; a payment step in which the server makes a payment to a system provided by a payment service provider in response to receiving a payment request made by the user terminal; and a transfer step in which the server executes a process to transfer crypto assets corresponding to the payment from the user wallet based on the contract, without obtaining approval from the user for the withdrawal corresponding to the payment.

The application discloses a kind of high efficiency and privacy protection asynchronous payment method based on block chain, belong to the field of block chain privacy protection technology.This method supports the case where multiple transactions are generated in the system to protect user privacy.The signature of all transactions of the user is aggregated into a single aggregate signature for aggregate verification.This method extends the single verification of locally verifiable signature to subset verification.Later, without knowing all user transactions, the subset of transactions that need to be delayed can be decompressed from this aggregate signature.The method deploys a server to provide a time key so that the delayed payment service provider can only rewrite the on-chain transaction at a specific point in time.Follow-up changes to the transaction through the trapdoor of chameleon hashing only require node network verification, saving time and arithmetic capability compared to generating a new transaction.The method has practical security features and more acceptable efficiency in terms of computational complexity and communication overhead.

Embodiments described herein disclose a mobile device system for displaying contactless payment options to a user of a mobile device. A location of the device may be detected. The location may be transmitted to a payment services provider, and information indicating that the location corresponds to a merchant having contactless payment options may be received. In response, graphical depictions of payment options associated with a plurality of payment sources are displayed on a touch-sensitive display of the mobile device. A selection of one of the graphical depictions is received, and in response, one or more transceivers of the mobile device, such as one or more NFC transceivers, may be activated. The activation may cause the transceivers to transmit a personal account number to a point-of-sale terminal. Thus, the user is presented with contactless payment options based on a geographical location, and may be presented with a suggested payment source.

We provide technology that streamlines the payment process for hometown tax donations at stores based in local governments, thereby increasing hometown tax donations and revitalizing local communities. [Solution] A cashless payment method is used for hometown tax donations, which include donations from customers to local governments and the provision of return gifts from local stores to customers, by a payment service provider using a payment device. The method involves calculating the total expenses obtained by multiplying the customer's donation amount by a predetermined total expense rate, depositing the amount obtained by subtracting the total expenses from the donation amount to the local government, calculating the value of the return gifts obtained by multiplying the donation amount by a predetermined return rate, depositing the value of the return gifts from the total expenses to the store after the provision of return gifts from the store to the customer is completed, and depositing a kickback amount obtained by multiplying the donation amount by a predetermined back rate from the payment expenses, which are the amount obtained by subtracting the value of the return gifts from the total expenses, to the person who introduced the store to the payment service provider.

The present disclosure relates to a method for performing an account-to-account payment transaction, the method comprising: transmitting, by a recipient payment service provider (PSP) server (206) to a payment platform (210), a payment request for authorization comprising an electronic agreement token; transmitting, by the payment platform (210), a payment request for authorization to a consumer PSP server (208); verifying, by the consumer PSP server (208), whether the payment can be accepted and sending a payment authorization response to the payment platform, which means a payment guarantee from the consumer PSP server (208); transmitting, by the recipient PSP (PSP) server (206) to the consumer PSP server (208) via the payment platform (210), a payment request for the capture, the payment request for the capture requesting to perform a payment; and making a response by the consumer PSP server (208) by confirming that the payment will proceed.

This application discloses a method for transmitting payment information using a mobile terminal. The method includes transmitting the mobile payment card number (used for offline mobile payment) and the seller terminal ID from the user terminal to a payment information transmission server. The payment information transmission server then transmits a payment information transmission message, including the mobile payment card number, to the seller terminal. This allows for payment processing through a single user interface, even with various payment service providers offering different payment methods. This application also provides a corresponding payment information transmission system using a mobile terminal.

A system for AI-driven multi-bank payment orchestration with secure real-time transaction processing and regulatory compliance management, wherein the system (100) comprises: a transaction capture and normalization module (1) configured to receive transaction requests from a variety of banks, payment service providers, merchants, customer channels and enterprise interfaces and generate a normalized transaction profile that includes transaction amount, currency, originating bank, destination bank, sender's responsibility, recipient's responsibility, transaction time, payment channel availability and contextual metadata;a module (2) for monitoring the state of the multibank payment network, configured to maintain a dynamic representation of the participating banks, payment channels, settlement corridors, liquidity availability, processing costs, congestion levels, probability of default, and predicted settlement latency; a federated engine (3) for modeling fraud risk, configured to generate fraud risk assessments for combinations of transactions and routes by using privacy-compliant, cross-bank model learning without transferring raw transaction data between participating banks;an AI-based regulatory compliance check engine (4) configured to assess jurisdiction-specific regulatory requirements, sanctions restrictions, anti-money laundering thresholds, Know Your Customer status, payment route authorization rules, and policy version data prior to route execution; an augmented learning adaptive routing engine (5) configured to select an optimized payment route from the eligible routes based on settlement latency, costs, liquidity, fraud risk, and compliance risk; a secure real-time transaction execution controller (6) configured to execute the selected payment route through one or more banking interfaces and payment channels, enforcing authentication, encryption, authorization, and transaction status monitoring;and a blockchain-based audit and regulatory traceability layer (7) configured to generate immutable audit records corresponding to routing decisions, fraud checks, compliance checks, execution events and regulatory reporting events, with the fraud risk assessment and compliance eligibility output being used as active decision inputs for selecting the payment route prior to transaction execution.

A system and / or method may be provided to authenticate a user. An example method of authenticating a user includes receiving, by a merchant application, a user request to complete a transaction using a payment service provider. The method also includes in response to receiving the user request to complete the transaction, retrieving, by the merchant application, a browser cookie stored on a user device and associated with one or more user interactions with a browser included in the user device and the payment service provider. The method further includes in response to receiving the user request to complete the transaction, launching, by the merchant application, an instance of the browser that reads the browser cookie and authenticates the user based on the browser cookie.

To provide a program, an information processing device, and a method that facilitate confirmation of an advance purchase application.SOLUTION: In this purchase application management system for performing the settlement processing of payment to the application of purchase, a server stores purchase application data related with purchase, and as its function, when a payer who has performed payment related with purchase inputs, the program causes the computer to execute a step of receiving voucher information relating to payment using a credit card, a step S321 of acquiring usage details information using the credit card from a settlement company of the credit card, a step S323 of collating and associating the purchase application information, the voucher information, and the usage details information, a step S324 of presenting two or more of the associated purchase application information, voucher information, and usage details information to a user, and a step of performing settlement processing of the presented purchase application information according to an instruction input from the presented user.SELECTED DRAWING: Figure 9

Systems and methods are provided for enhanced biometric authentication, based on proximity of mobile devices. One example computer- implemented method includes, for a biometric-initiated transaction, receiving an authentication request from a first party, where the authentication request includes a biometric specific to a user and captured at a point-of-sale (POS) terminal at the first party and a listing of token(s) and identifier(s). The method also includes identifying a biometric template based on the identifier, and identifying a device ID of a mobile device based on the token(s). The method further includes verifying that the device ID is bound to the identifier(s), compiling a response to the authentication request, and providing a transaction payload for the transaction to a payment service provider (PSP).

Disclosed in the embodiments of the present invention are an integrated business identity verification and payment method, an apparatus, an electronic device and a computer-readable medium. The method comprises: receiving a business handling request sent by a requesting party terminal, the business handling request comprising a verifiable expression; on the basis of a requesting party distributed identity identifier, a verification party verifying the verifiable expression to generate a credential verification result; the verification party determining, on the basis of the credential verification result, that the verifiable expression has passed the verification, and sending payment information to the requesting party terminal; the requesting party confirming the payment information; the verification party receiving a payment confirmation response sent by the requesting party terminal, determining, on the basis of the payment confirmation response, that the requesting party has confirmed the payment information, and sending a payment request to a payment service provider on the basis of the requesting party distributed identity identifier and the payment information; and the payment service provider performing payment processing. While ensuring the security of identity information, the present invention realizes the integration of business handling and payment, and reduces secondary verification operations for users, thus improving user experience.

The present disclosure relates to a method for performing an account-to-account payment transaction, the method comprising: generating, by a consumer device, an electronic agreement token indicating at least a payment amount and / or a payment deadline, the electronic agreement token signed cryptographically and communicating the electronic agreement token to a recipient device (202) via a payment platform (210); initiating, by a recipient device (202) or by a recipient payment service provider (PSP) server (206), one or more account-to-account payments by transmitting a payment request for authorization to a consumer PSP server (208) via a payment platform (210), the payment request for authorization comprising an agreement token; and authorizing or unauthorizing, by the consumer PSP server (208), the payment request for the authorization based on the payment amount and / or payment deadline indicated by the agreement token.

A token associated with payment card data is received from a second system relating to a payment service provider. The payment card data identify a payment card used for a purchase of a product and are non-derivable from the token only. A unique identifier of the product is identified by scanning the product in connection with purchase, and an association of the identifier to the token is stored. On condition that a) an indication is received that the identifier has been identified in connection with the product having been returned or b) no indication is received within a predetermined time from purchase that the identifier has been identified at any return point, the token is identified by means of the stored association, and the token is sent to the second system to enable debiting or crediting the payment card used for the purchase of the product.

The present invention provides an electronic payment management device, a payment terminal, and an electronic payment management method that can prevent fraudulent payments. [Solution] The electronic payment system includes a payment terminal management server, a vending machine, a payment terminal, an information storage medium, a payment service provider server, and a user terminal. The payment terminal management server obtains payment terminal identification information and the price to be paid from the payment terminal via communication, and obtains information storage medium identification information read by the user terminal from the information storage medium via communication. The payment terminal management server verifies the correspondence between the payment terminal identification information and the information storage medium identification information, and only if the verification is successful does it enable the payment terminal to settle the price to be paid.

Performing secure payment transactions via Global Navigation Satellite System (GNSS) is provided. An input is received from a payer corresponding to a GNSS user device to initiate a payment transaction in a payment message format from the payer to a payee via a GNSS protocol of a GNSS satellite to a payment system server corresponding to a payment service provider. The payment transaction is sent in a selected GNSS message format via a secure satellite communication link to the GNSS satellite to be transmitted to the payment system server corresponding to the payment service provider for processing of the payment transaction for the payee.

The invention relates to a method for executing an electronic financial transaction by a user as an occupant of a vehicle (1), wherein the user uses a physical electronically readable identity card (3) or a virtual electronically readable identity card (3) displayed in a mobile device to identify and authenticate themselves to a reader (5) of the vehicle (1), wherein no identification of the vehicle takes place, wherein the reader (5) connects to a central computer (7) via the Internet and receives a security token from it after successful identification and authentication, which is transmitted together with payment data to a payment service provider (9), which then authorizes a financial transaction with reference to the payment data and / or forwards data about it.

We provide server equipment that enables system operators who operate systems providing age verification services and electronic payment service providers who use said age verification services to pay fees that are acceptable to them. [Solution] The server device comprises a storage means, a notification means, and a payment control means. The storage means stores the payment code in association with the result of the user's age verification. The notification means obtains the payment code issued to the payment applicant from the payment terminal. The notification means identifies the payment applicant based on the obtained payment code. Based on the result of the age verification of the identified payment applicant, the notification means notifies the payment terminal whether the store can sell the payment applicant products, etc., that have age restrictions on purchase. The payment control means calculates a first fee to be paid to a predetermined business operator based on the number of times such notifications have been made during a predetermined period, and controls the payment of the calculated first fee to the predetermined business operator.

The present invention provides an information processing device, an information processing method, and a program that can reduce the processing time when an application for advance payment of invoices is submitted to an advance payment service. [Solution] The information processing device, in an invoice advance payment service that advances the payment of invoices, comprises: an advance payment application information receiving unit that receives advance payment application information for a payment business to apply for advance payment of the amount to be paid to the invoiced business; a determination unit that determines whether or not the invoiced business is registered on another platform operated by the invoice advance payment service provider, which is different from the platform that provides the invoice advance payment service; and a review unit that reviews the invoiced business based on the result of the determination unit's determination of whether or not the invoiced business is registered.