6 results about "Payment service provider" patented technology

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.

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.

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).

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.