302 results about "Payment terminal" patented technology

The invention discloses a payment method based on an NFC fusion channel, a terminal, a system and a medium, and belongs to the technical field of payment. The method comprises the steps of establishing a middle-long distance communication channel with a user terminal through a first middle-long distance communication module under the condition that the user terminal with a second middle-long distance communication module is sensed to enter a middle-long distance communication range of the payment terminal; a transaction confirmation instruction is sent to the user terminal through the middle and long distance communication channel; and under the condition that the user terminal confirms the transaction, transmitting APDU interaction data with the user terminal through the middle and long distance communication channel for interaction, and executing NFC payment. According to the embodiment of the invention, NFC payment between the user terminal and the payment terminal under the medium and long distance condition can be realized.

The invention relates to the technical field of financial science and technology and information security, in particular to a payment security identification system of a payment terminal, which comprises a transaction data acquisition module used for acquiring transaction request data of a current transaction; the basic risk assessment module is based on the transaction request data and user historical data; the dynamic environment risk assessment module is used for requesting data based on the transaction; the dynamic threshold generation module is used for generating a dynamic environment risk index; according to the system and the method, the user long-term behavior risk and the transaction instantaneous environment risk are decoupled and innovatively combined, the evolution of a user behavior mode can be adapted, novel fraud attacks can be resisted, and interference to normal user transactions is reduced while safety is guaranteed.

The invention relates to the technical field of mobile payment, in particular to a dynamic adjustment method for a mobile payment password-free limit, which comprises the following steps: when a payment terminal initiates a payment request, acquiring a network environment, an equipment unlocking mode, an SIM card state, system integrity and a discrete state of an application environment in real time, and establishing an equipment security state vector; according to the invention, multi-dimensional acquisition is carried out on the network environment, the equipment unlocking mode, the SIM card state, the system integrity and the discrete state of the application environment, and the security state vector is constructed, so that the equipment security can be subjected to structured description before the transaction is initiated, and the security fluctuation characteristics during the operation of the equipment are captured; by means of a security product attenuation value generated by a security state vector and in combination with a highest password-free quota reference value set by a user, a comprehensive equipment security score is output in a nonlinear function form, and quantitative filtering of equipment credibility is realized in a previous stage of quota calculation.

The present invention discloses a self-stirring fruit cup smoothie vending machine, comprising: a storage cabinet body, a control cabinet body, a spring-loaded shelving system, a lifting mechanism, a refrigeration system, a control system, a mixing system, and a self-service payment terminal. The control cabinet body is disposed adjacent to one side of the storage cabinet body. A refrigerated compartment is provided in the lower portion of the storage cabinet body, housing the refrigeration system. An inner cabinet body is arranged within the storage cabinet body, wherein an air outlet of the refrigeration system communicates with the inner cabinet body. The inner cabinet body incorporates a tiered spring-loaded shelving system configured to store product containers in a tilted orientation.

The invention discloses an NFC-based payment communication method and an application thereof in a payment transaction terminal, the scheme can be used for transaction interaction of the payment transaction terminal in a card reader mode and an NFC TAG mode, when the terminal is in the NFC TAG mode, different guides are provided by identifying an operating system of payment terminal equipment serving as card reading equipment, and the payment terminal equipment is more convenient to use. The convenience and intelligence of the application payment means are improved; according to the scheme, in combination with the characteristics of equipment operating system identification and equipment moving, corresponding voice or UI prompts are given when transaction is not completed for a long time and equipment which identifies an IOS system is subjected to transaction, in order to prevent a single order from being paid by multiple pieces of equipment, emptying is carried out after it is confirmed that the content of the NFC tag is completely read, and the payment efficiency is improved. And the transaction reliability and convenience are improved. And when the terminal is in the card reader mode, whether the transaction card is an entity card is distinguished according to the card searching instruction, and the transaction result is returned to the application layer, so that a self-adaptive security policy is provided.

The invention belongs to the technical field of fraud detection, and relates to a payment terminal real-time anti-fraud decision-making method based on machine learning, and the method comprises the steps: carrying out the time-space slicing of a payment transaction flow through a sliding window, injecting abnormal features through combining with a generative adversarial network, and enhancing the tensor of the time-space features; a three-dimensional dynamic adversarial graph is constructed by using a spatial topology layer, a transaction association layer and a device fingerprint layer, and a complex relationship of transaction data is deeply mined through weight fusion of an attention mechanism; carrying out convolution operation on the deformable space-time convolution and then carrying out multi-dimensional space-time fingerprint fusion so as to generate a space-time fingerprint and a hidden group clustering result of each terminal device; finally, real-time fraud decision making is carried out in combination with the space-time fingerprints of the terminal equipment and the current context, and dynamic and real-time monitoring and blocking of payment fraud behaviors are achieved. The accuracy and timeliness of fraud detection are remarkably improved, the adaptive capacity of the system to novel fraud behaviors is enhanced, and the safety and defense capacity of the payment system are improved.

The present disclosure generally relates to the use of loyalty accounts, private label payment accounts, and general payment accounts using an electronic device with an electronic wallet. Various accounts are linked to the electronic device. In some examples, the electronic device is NFC-enabled. The electronic device may be used to provide loyalty account information and payment account information to a payment terminal, such as an NFC-enabled payment terminal.

The invention discloses a self-adaptive identification and dynamic drive loading method and device for a password keyboard of a self-service payment machine. According to the system, VID, PID, firmware version, SN number and instruction fingerprint four-dimensional features of a keyboard are captured in parallel through a hardware detection engine, model matching is completed by using a hash table of O (1) time complexity, and online feature collection and block chain evidence storage updating are started when matching fails; and then, dynamically loading the driving module signed by the TPM, and realizing zero-interruption hot injection of the key through a double-buffering mechanism. Compared with the prior art, plug-and-play adaptation of any USB / serial port password keyboard can be completed within one second, a secret key can be updated without restarting equipment, meanwhile, an instruction fingerprint verification and block chain trusted link is provided, the development and maintenance cost is remarkably reduced, the safety is improved, and the method is suitable for ATM, POS and various self-service payment terminals.

The invention relates to a transaction method comprising the steps of: during a payment transaction between a customer and a merchant (ML1), establishing a communication link between a payment terminal (TP1) of the merchant and a mobile terminal (MT1) of the customer; acquiring, via the payment terminal (TP1), a payment device identifier (CI1); transmitting transaction data to a server (PSRV); transmitting, via the server, to the customer's terminal an access link (PNLK) to an application (WP); upon activation of the access link, transmitting, via the mobile terminal, to the server, an access request to the application containing the access link and the payment device identifier; upon receipt of the access request, generating and transmitting, via the server, a progressive web application to the mobile terminal; and receiving and executing the application via the mobile terminal. Figure 2

The invention relates to a financial payment terminal intelligent management system based on signal processing, and the system comprises a data application device which is disposed in an automatic selling cabinet body, and is used for intelligently analyzing the 3D size corresponding to a cargo based on multiple pieces of visual information of the cargo to be stored at present; and the information matching component is connected with the data application device and is used for sending a volume mismatching signal indicating that the volume of the currently stored goods is not matched with the volume of the set storage grid body when the 3D size corresponding to the intelligently analyzed goods is greater than the maximum storage volume of the set storage grid body. According to the invention, the 3D size corresponding to the goods can be intelligently analyzed based on multiple pieces of visual information of the goods to be stored at present, and whether the volume mismatching signal indicating that the volume of the goods to be stored at present is not matched with the volume of the set storage grid body is sent or not is further determined; therefore, intelligent identification of whether the volume of the goods to be stored in front of the set storage grid body is matched with the volume of the set storage grid body is realized.

Methods and systems are disclosed for providing Near Field Communications. In certain embodiments, an Android mobile operating system based mobile device is configured with software that, when executed by one or more processors, determines whether the mobile device is to perform an NFC communication with a contactless payment terminal (CPT) using a secure element associated with an NFC controller included in the mobile device. Based on the determination, the mobile device is configured to execute software that performs communications with the CPT using the NFC controller.

Near field communication circuit and payment terminal are disclosed. The circuit comprises: a first type of near field communication chip for outputting a first differential signal and a second differential signal; a second type of near field communication chip for outputting a third differential signal and a fourth differential signal; a first radio frequency switch for receiving the first differential signal, the third differential signal and a control signal, and selecting the first differential signal or the third differential signal as a first output signal based on the control signal; a second radio frequency switch for receiving the second differential signal, the fourth differential signal and the control signal, and selecting the second differential signal or the fourth differential signal as a second output signal based on the control signal; and a near field communication antenna module for receiving the first output signal and the second output signal to realize communication between the two types of near field communication chips and an external near field communication device. The circuit makes different types of near field communication chips share the same antenna, reduces hardware cost and improves the integration and compatibility of the payment terminal.

The application discloses an enterprise account payment method, a server, a system and a storage medium, and belongs to the field of data processing. The method comprises the following steps: receiving an order transaction message sent by an order receiving server, wherein the order transaction message comprises order information and transaction party information; sending the order transaction message to a payment resource server, so that the payment resource server sends an order review request message to a payment terminal device; in the case that the payment resource server deducts transaction money from a payment account in response to an order review determination message, receiving a payment message sent by the payment resource server in response to the order review determination message, wherein the payment message comprises the order information and the transaction party information; and sending the payment message to a payee resource server indicated by payee information, so that the payee resource server transfers the transaction money indicated by the order information into a payee account. According to the embodiment of the application, the efficiency of enterprise payment can be improved.

The embodiment of the invention provides a credit-based transaction processing method and device, and the method comprises the steps: obtaining an access instruction which is submitted by a payee and aims at a credit transaction service of an application program, submitting a service access request to a server, and then receiving a credit transaction page returned by the server, the method comprises the following steps: receiving a credit transaction page of a payee, submitting transaction parameters input by the payee based on the credit transaction page to a server, receiving and displaying a transaction identifier for carrying out credit transaction returned by the server, scanning the transaction identifier by a payment terminal of a payer carrying out credit transaction with the payee, and submitting a credit transaction request to the server to carry out credit transaction detection; and finally, acquiring a credit transaction result returned by the server after credit transaction determination based on the transaction parameters under the condition that the credit transaction detection is passed, thereby realizing transaction processing between the payee and the payer based on the credit transaction detection.

Methods, system and devices for managing loyalty incentive schemes are provided. In particular, payment terminals are provided that each comprise an electronic screen for displaying information to a user relating to a payment transaction, data input means, including at least one payment instrument interface for interfacing with a customer payment instrument, and at least one telecommunication module. A terminal management server is provided for managing the operation of the payment terminals. An incentive management server is also provided, for managing incentives to be applied at the payment terminals.

The embodiment of the invention discloses a payment method and device and electronic equipment, and the method comprises the steps: recognizing payment information from a payment account corresponding to a payment user when there is no network connection, and enabling the payment information to reflect payment authorization information; generating a payment authorization certificate according to the payment information; the payment authorization voucher is stored in a system memory, so that in a network connection state, the payment authorization voucher is used for requesting a server to deduct money from the payment account, and the system memory is a system memory of a collection terminal where the collection application is located.

The invention relates to the technical field of product oil retail, and provides a product oil retail system, which comprises an on-site service terminal deployed in a gas station site, a gas station management node arranged locally, a cloud data server connected remotely and a user mobile terminal, the field service terminal integrates an oiling machine, a payment terminal and a vehicle identification and environment monitoring module, executes oiling operation and collects data; the gas station management node gathers and processes data to realize inventory, sales and safety monitoring; the cloud data server aggregates multi-station data and is equipped with an energy efficiency evaluation module, a replenishment decision module, a data analysis module and a member management module. The system has the advantages that by constructing the field service terminal, the gas station management node and the cloud data server, the problem of data islands existing in a traditional system is effectively solved, and inventory dynamic early warning, accurate sales prediction, multi-mode payment, member management and three-dimensional safety monitoring are achieved; and the operation efficiency, the energy utilization rate and the user experience are remarkably improved.

The invention relates to a method for tracking customer journeys among merchants, comprising the steps of: during a first transaction between a customer and a first merchant (ML1), acquiring, via a payment terminal (TP1), a payment device identifier (CI1) of the customer, and presenting to the customer on a display screen a document associated with an identifier (ID2) of a second merchant (ML2); storing the data relating to the first transaction in a database (CB); during a second transaction between the customer and the second merchant, acquiring, via a payment terminal (TP2), the payment device identifier; storing in the database the data relating to the second transaction; and determining, using the database, that the customer viewed the document at the first merchant and made a purchase at the second merchant. Figure 2

The embodiment of the invention provides a digital currency transaction method and an acceptance terminal thereof. The acceptance terminal comprises: a storage module configured to store acceptance area data, the acceptance area data representing an authorized distance range between the acceptance terminal and an auxiliary positioning device when the acceptance terminal is allowed to execute a digital currency collection transaction; the communication module is configured to receive a broadcast signal sent by the auxiliary positioning equipment; the processing device is configured to determine the distance between the acceptance terminal and the auxiliary positioning equipment according to the broadcast signal when a digital currency collection transaction to the payment terminal is executed, and identify whether the acceptance terminal is in an acceptance area based on the distance and the acceptance area data; and controlling the digital currency collection function of the acceptance terminal to be available or unavailable according to the acceptance area identification result. According to the scheme, whether the digital currency collection transaction is allowed to be executed or not can be judged according to the position of the acceptance terminal, and a merchant can be prevented from violating or even violating the digital currency transaction to a certain extent.

When a payment terminal, a refrigerated raw material supply machine, and a beverage dispenser constitute a beverage supply system, ensure proper operation. [Solution] A control device applied to a beverage supply system 1 including a beverage dispenser 10 that supplies beverages produced in a beverage production unit 12 to cups C placed in a beverage supply unit 22, wherein the control device includes a beverage supply control unit 13 that, when the beverage supply system 1 includes at least one of a payment machine 50 that performs payment processing and a milk dispenser 30 that supplies raw milk to cups C as part of the beverage, allows at least one of the payment machine 50 and the milk dispenser 30 to be operated together with the beverage dispenser 10, subject to registration of a business license number from the relevant local government.

To provide a payment information management system and a payment information management method with which information on a payment made via a credit card is easily restored.SOLUTION: In a payment information management system 1, a payment terminal 10 obtains information on a credit card that has been used to make a payment, creates payment information according to the card information, sends the payment information and update request information for recording the payment information in ledger information, to a distributed management terminal, and stores the ledger information. The distributed management terminal 30 updates the stored ledger information according to the received update request information and payment information, and sends at least information on the update on the ledger information at least to a payment terminal 10 that differs from the payment terminal 10 via which the update request information has been sent.SELECTED DRAWING: Figure 1

The application discloses an unattended toll collection system based on main line gantry and ramp card fusion pre-toll, which comprises a front main line gantry, a ramp online pre-toll card mouth, a ramp special situation induction screen, a quick CPC card self-service toll lane and a toll platform; the front main line gantry is provided with a main line gantry module; the ramp online pre-toll card mouth comprises a ramp card mouth module and a pre-transaction platform, the pre-transaction platform is connected with the toll platform and a local database; the ramp special situation induction screen is provided with a dynamic induction module; the quick CPC card self-service toll lane is provided with an RFID card reader, a payment terminal and an abnormal processing unit. The system captures the vehicles entering the toll station by the ramp card mouth, performs online pre-toll in advance, identifies the transaction state of the vehicles entering the toll station in advance, completes the pre-toll processing, shortens the transaction time of the self-service vehicles through the pre-toll, and improves the passing efficiency of the self-service lane.

1. The name of the design product: tablet payment terminal. 2. The use of the design product: used in retail, supermarket, department store, hotel, catering, entertainment, logistics, warehouse, and other convenient services, supporting code scanning payment. 3. The design points of the design product: in shape. 4. The picture or photo that best indicates the design points: design 1 perspective view 1. 5. Design 1 is designated as the basic design.

Method and system of performing transactions with a payment card in a managed integrated payment environment comprising an integrated circuit are disclosed comprising interacting with an integrated circuit on a received payment card to obtain card data by a payment terminal and determining whether full online transaction processing of the card data is required. If full online transaction processing of the card data is required, the card data is sent to a point-of-sale terminal, which sends the card data and a transaction total for the transaction to a merchant gateway, which obtains approval or denial of the transaction. The approval or denial is provided to the PIN pad by the merchant gateway via the point-of-service terminal. The PIN pad also receives transaction data and sends the transaction data and card data to a services processor to collect metadata, perform fraud and security checks, and / or encrypt the card data.

This product is a portable information terminal with multiple functions, including user authentication, electronic payment, unlocking / locking, information reading, information recording, and information display. As shown in "Reference Figure 1 showing usage," the user can perform user authentication, electronic payment, unlocking / locking, etc., by placing the authentication convex surface of this product on the corresponding authentication concave surface of another terminal or other device. For example, when performing electronic payment, as shown in "Reference Figure 2 showing usage," the user can perform electronic payment by placing the authentication convex surface of this product on the authentication concave surface of the payment terminal. This product can also read information by touching the authentication convex surface to text, maps, etc. Furthermore, the user can record information on this product by, for example, speaking the destination to the product. In addition, this product is equipped with a display unit that can display the amount of electronic payment, the time, and navigation based on the read and recorded information.

Provided herein are systems, devices, tools, and methods for protecting payment terminals from malicious card devices. More specifically, the tools, platforms, and methods of the present disclosure enable the detection card skimmers at point-of-interaction devices and offer proactive monitoring of managed point-of-interaction devices.

The invention relates to an antenna for an electronic payment terminal (2), comprising:-a support member (4) comprising a plurality of support elements (10), the overall shape of which is a straight cylinder having a concave bottom, the axial ends of which are hinged in pairs on a pivot connection (12) having parallel axes of rotation, each support element (10) having a receiving groove; and-an electrically conductive member (6) arranged to be received in the receiving groove.

Disclosed are various embodiments for an NFC-based self-checkout system. Embodiments can include a computing device comprising a near-field communication (NFC) reader. The computing device can obtain, via the NFC reader, a stock keeping unit (SKU) identifier for an item from an item NFC tag attached to the item. It can also obtain, via the NFC reader, a shopping cart identifier and a terminal identifier from a cart NFC tag attached to the shopping cart. It can then receive a user input indicating that a purchase of the item is to be completed. Subsequently, the computing device can establish a secure connection with a payment terminal service associated with the terminal identifier and send the SKU for the item, a payment instrument, and the shopping cart identifier to the payment terminal service.

The invention provides a secure payment method, device and equipment, and is applied to the technical field of data security. The method comprises the steps that when a user uses a user card to initiate a payment request to a payment terminal, the payment terminal receives verification information and a payment password and sends the payment password to a secure payment verification system; the user card generates a temporary public key under the condition that the payment password is received and passes verification, and sends the temporary public key to the payment institution; the payment terminal generates a first verification value according to the second temporary public key and the verification information; after the user card verifies the second temporary public key, a second verification value is generated according to the first temporary public key and the verification information, and a third verification value is generated according to the first verification value and the second verification value; and after the payment terminal verifies the third verification value, the payment terminal initiates a deduction request to a payment institution, so that the payment institution completes deduction operation on the payment request of the user. The problems of security vulnerabilities and limitations existing in the traditional payment technology can be solved.

This invention provides a Bus Rapid Transit (BRT) system and method based on onboard ticketing and inspection, comprising at least one BRT vehicle and at least one BRT station matching the operating route of the BRT vehicle; wherein, the BRT vehicle is equipped with at least one contactless payment terminal inside the vehicle for passengers to pay for their tickets after boarding; and, the BRT station does not include an enclosed concourse level for ticketing or inspection, allowing passengers to directly access the waiting platform level via an open passageway. This invention significantly reduces construction and operating costs, improves passenger experience, and enhances system flexibility.