673 results about "Payment terminal" patented technology

The invention discloses a product defect detection method and system based on multispectral imaging, and the method comprises the steps: obtaining multispectral image data of a financial payment terminal product, and generating a first image set; performing de-noising filtering and contrast enhancement processing on the first image set to generate a second image set; performing feature extraction based on the second image set to generate a feature set; and constructing a special convolutional neural network model of the plastic shell and the metal circuit board according to the feature set, generating a model set adaptive to material difference through transfer learning, and determining a final detection model to perform defect detection on the real-time multispectral image to obtain a detection result. The accuracy and efficiency of financial payment terminal product quality detection are improved, data support is provided for production process optimization, the product defect rate is effectively reduced, and the product quality and reliability are improved.

Disclosed herein is a method and system to determine whether a payment terminal has been tampered with based on a comparison of attestation data received from the payment terminal, for example in an offline mode when an otherwise secure remote server cannot be reached. If the determination yields that the request has been approved, the terminal generates an attestation ticket having one or more validity conditions, wherein the validity conditions include expiration time that indicates the time after which the attestation ticket becomes invalid. The attestation ticket can be used as long as it is valid or until another trigger causes the ticket to be invalidated or regenerated.

Apparatuses, methods, computer program products, and systems are disclosed for payment processing. An apparatus includes one or more processors and one or more memories that store code executable by the one or more processors to exchange payment information for a transaction wirelessly between a mobile hardware computing device of a user and a hardware payment terminal for a merchant, to validate an availability of funds for the transaction using an electronic interface for an account for the user at a third-party institution, and to electronically transfer the funds directly from the account for the user to an account for the merchant to complete the transaction.

Systems and methods that utilize a cashless payment terminal to transfer, in accordance with a funding source, funds between an electronic gaming machine and a financial institution account.

There are provided systems and methods for correlating messages from asynchronous message queues using polling with exponential backoff and jitter. A service provider, such as an electronic transaction processor for digital transactions, may provide computing services to users, which may be used to engage in interactions with other users and entities including for electronic transaction processing. When utilizing these transaction processing services, merchant locations may utilize payment terminals, such as card and NFC readers, as well as point-of-sale devices, each of which may independently send transaction messages to the service provider. To correlate these messages from different queues, the messages may be stored when received in an intermediary storage independently and the other storage polled at intervals with exponential backoff to identify corresponding messages and data. Further, jitter may be introduced to the polling process to stagger polling events for different messages.

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.

Systems and methods that utilize a cashless payment terminal to transfer funds from an electronic gaming machine to a financial institution account.

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.

1. The name of the product of this design: Handheld smart POS machine (S6). 2. Purpose of the product of this design: A handheld intelligent POS machine, mainly used as a payment terminal device for various card consumption, commercial retail, etc. 3. The design key point of this appearance design product lies in the shape. 4. The picture or photo that best illustrates the design points: Stereoscopic diagram 1.

There are provided systems and methods for an acknowledgement process for message transmissions to connectable processing terminals for point-of-sale (POS) devices. A user may engage in a transaction with a merchant at a POS device, such as a purchase of items from a merchant at a physical merchant location and using payment terminals with the POS device. An online transaction processor may provide an acknowledgement process to determine if the payment terminal is online and receiving communications so that the user may view transaction details and complete transaction processing. This may be done through lookup of a previous connection of the payment terminal over a cloud computing system with the transaction processor and transmission of a request for acknowledgement over that connection. If the payment terminal responds with an acknowledgement, the transaction processor may then notify the POS device that data processing may proceed.

Various exemplary devices, systems, and methods for detecting debris in payment card readers are provided. In general, a card reader configured to read a card for payment and / or other purpose(s) includes a slot configured to receive the card therein. In an exemplary embodiment, a tester is configured to be inserted into the card reader slot and identify whether debris is present in the slot that would prevent the card reader from properly reading data from a card inserted into the slot, e.g., from reading a chip of the card, etc. The tester is configured to be inserted into the card reader slot with the card reader on site at its installed location, e.g., as part of a fuel dispenser or other payment terminal.

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.

One or more embodiments of this specification provide a payment terminal and payment method based on near field communication. The payment terminal can be used as an extension device of a merchant's cash register device, and the payment information of the cash register device is sent to a payment terminal such as a consumer's smart phone based on near field communication, thereby triggering the payment terminal to complete the payment according to the payment information. In addition, the payment terminal reuses a part of its NFC antenna as part of the shell of the payment terminal, exposing it to the outside, and connects the NFC antenna to the rest of the shell of the payment terminal through a plastic connection to form the entire shell body of the payment terminal. The payment method is applied to the payment terminal, and the payment information sent by the external cash register device is sent to the payment terminal in the form of an electromagnetic signal through the near field communication component of the payment terminal, so that the payment terminal completes the payment according to the payment information.

Systems and methods that utilize a cashless payment terminal to transfer funds to an electronic gaming machine from a financial institution account.

The invention relates to the field of technical infrastructures that provide for performing financial transactions between economic entities, in particular to payment systems that provide for, on the one hand, convenience and simplicity of a payment process, and on the other hand its security.The claimed invention is a method for initiating performing a payment transaction and a system for implementing thereof, implementation of which ensures the achievement of a technical result, which consists in simplifying the process of installation, adjustment, debugging and maintenance of the system, reducing the likelihood of the occurrence of errors, failures and faults in its operation, allowing to accurately determine which of the users' mobile devices is closer to the payment terminal device than the rest in the conditions when the users queue up, as well as optimizing the set of software and hardware used for the task of initiating performing a payment transaction without having to pick up the mobile device.

The utility model discloses a handheld mobile payment terminal which comprises a payment terminal body, a first groove is arranged on the front side wall of the payment terminal body and close to the lower side, an NFC assembly is installed at the bottom of the first groove, a second groove is arranged on the front side wall of the payment terminal body and close to the middle, and the NFC assembly is installed at the bottom of the second groove. A payment code recognition assembly is installed at the bottom of the second groove, a third groove is formed in the front side wall, close to the upper side, of the payment terminal body, and a camera shooting assembly is installed at the bottom of the third groove. According to the utility model, the NFC assembly can identify the NFC card or the NFC module, the payment code identification assembly can identify the payment code, and the camera assembly can identify the face of a payer, and the combination of the three components can effectively improve the payment effect of the payment terminal main body, meet the requirements of different consumers, and provide more convenient payment experience.

The invention relates to a UnionPay payment terminal security algorithm verification method and system, and the method comprises the steps: carrying out the behavior monitoring of a payment terminal, and inputting the environment recognition security of a preset user when detecting that the preset user inputs a bank card number; after format verification is carried out on the input card number of the preset user, legality verification is carried out on the Hash value of the input card number, an identity verification stage is entered, and whether the identity of the card holder is matched with that of the preset user is confirmed through at least two combined verification modes based on the information of the bank card number; after identity matching is completed, entering a transaction fraud behavior identification stage, and identifying whether a current transaction has a fraud behavior or not through technical means such as machine learning or a rule engine and the like based on current transaction information of a preset user and a behavior identification model; and if the current transaction of the preset user is identified as normal, continuing to complete the payment process, so as to achieve the purposes of enhancing the tamper-proof and non-repudiation capabilities of transaction information and improving fraudulent transaction prevention.

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.

A method for electronic receipt transfer via ultra-wideband electronic (UWB) radio technology may include: causing, by a payment terminal computer program, an UWB radio to transmit a range request signal from a first antenna; receiving, by the payment terminal computer program and one or more customer electronic devices, a pair of replies to the range request signal, each comprising a first reply signal received at the first antenna and a second reply signal received at a second antenna; determining, by the payment terminal computer program, a distance between the UWB radio and each customer electronic device based on a time of flight; selecting, by the payment terminal computer program, the customer electronic devices having the distance that is closest to the UWB radio; and communicating, by the payment terminal computer program, an electronic receipt for a transaction to the selected customer electronic device.

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 provides a campus consumption management method and a related device, and is applied to a campus payment system in a campus management system, and the method comprises the steps: responding to a deduction instruction sent by a payment terminal, and carrying out the deduction operation according to payment information and consumption information carried by the deduction instruction; if the deduction operation is executed successfully, updating consumption details of the student corresponding to the current consumption according to the consumption information; in response to a printing request message sent by the detail query terminal, determining target consumption details of the target student in the viewing time period according to request information carried by the printing request message; and controlling the detail query terminal to print the target consumption details. Thus, according to the deduction instruction and the printing request message, the consumption details of the students are updated and printed, a channel for checking the consumption details is provided for the students, the practicability and convenience of the campus payment system are improved, and the transparency of consumption activities of the students is improved.

The invention discloses a data processing method executed by a payment terminal, and the method comprises the steps: building data connection between the payment terminal with a printing function and a cash register through a printer module configured by the payment terminal, and when the payment terminal recognizes that transaction information included in a bill printing instruction corresponds to a first transaction task of to-be-completed payment, completing the payment; and generating a payment information acquisition event for acquiring the to-be-processed payment information, sending the to-be-processed payment information acquired based on the payment information acquisition event to a payment system to open a payment process of the first transaction task, and printing a payment completion receipt after feedback information is acquired from the payment system. Visibly, the payment terminal can identify the first transaction task needing payment from the bill printing instruction and start the payment process with the payment system to complete the payment task, so that the process of accessing the cash register to the electronic payment function is greatly simplified, plug and play in a real sense is realized, software and hardware modification of the cash register is not needed, and the cost is reduced. And the development cost and difficulty are effectively reduced.

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 discloses a riding method and device based on a riding code, equipment and a storage medium, and relates to the technical field of intelligent electronic payment, and the method comprises the steps: when a mobile terminal receives a near field communication (NFC) tag sent by a traffic payment terminal, generating riding code data according to tag information in the NFC tag; and returning the riding code data to the traffic payment terminal through the NFC channel, and finishing asynchronous fee deduction by the traffic payment terminal according to the riding code data. According to the scheme, the mobile device receives the NFC label sent by the traffic payment terminal, generates the riding code data based on the NFC label, and sends the riding code data to the traffic payment device through the NFC channel, so that the existing riding code scanning riding processing flow is reused, the riding can be realized by swiping the code without opening a riding APP, the improvement cost is low, and the riding efficiency is improved. And the problem of insufficient riding convenience of the riding code user is solved.

The utility model provides a payment terminal with a magnetic head waterproof structure, which relates to the field of financial transaction equipment and comprises a casing, one side of the casing is provided with a card swiping slot, one side in the casing close to the card swiping slot is provided with an installation slot used for installing a magnetic head assembly, the installation slot is provided with a sealing cover, and the sealing cover is inserted into the installation slot to form an isolation chamber. The magnetic head assembly is installed in the isolation chamber and comprises a connecting line, and the connecting line extends out of the isolation chamber and is electrically connected with the mainboard. The magnetic head assembly further comprises a magnetic head and a support, the magnetic head is installed on the support, the support comprises a top cover, the connecting line penetrates through the top cover, the top cover is provided with an annular protrusion around the connecting line, the top cover is provided with an insertion hole in a sealed insertion mode, and the annular protrusion is inserted into the insertion hole in a sealed mode. According to the utility model, the magnetic head assembly is isolated from the internal components of the device through the structure, the waterproof and dustproof effects of the financial transaction device are improved, the application scene of the device is expanded, and the service life of the device is prolonged.

In the field of payment terminals, a new generation of feature-rich payment terminals is emerging. These payment terminals are mass-produced and the level of security provided for data entry operations is low because the primary function of these communication terminals is not the entry of sensitive data. As a result, the data relating to payment transactions entered via these payment terminals are entered with a level of security that is not adequate as regards the sensitivity of the data entered. Accordingly, a communication terminal is provided, which secures data entered via a user interface of a communication terminal, by transmitting them among a stream of dummy data, and by encrypting all data, those actually entered by a user and the dummy data, before the transmission thereof to a secure data processing device.

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.