180 results about "Payment transaction" patented technology

Systems and methods for purchasing (typically under a factoring model but other models are still possible), on a selected basis, declined payment transactions; receive, for assessment, the failed payment transaction via API; enrich the data received for the failed transaction with external and internal data; define, via one or more predictive models, the expected cause of payment failure; define, via the one or more predictive models the probability of successfully process in the following days the transactions successfully, calculating the associated cost of risk; interact in real-time with the customer where needed; confirm to the party invoking the service, for each transaction sent for assessment, the purchase or not of the failed payment transaction.

Embodiments provide artificial intelligence methods and systems for evaluating vulnerability risks of issuer authorization system. Method performed by a server system includes accessing a set of payment transaction data including subset of fraudulent transaction data. Method includes generating via a machine learning model, set of synthetic transaction data based on the subset of fraudulent transaction data. Method includes accessing set of historical card velocity features and collating the set of synthetic transaction data and the set of historical card velocity features to generate set of enriched synthetic transaction data. Method includes extracting via a classifier, subset of feasible fraudulent transaction data from the set of enriched synthetic transaction data. Method includes generating simulated authorization model based on the set of payment transaction data. Method includes classifying via simulated authorization model, each enriched synthetic transaction from the subset of feasible fraudulent transaction data as one of fraudulent transaction and non-fraudulent transaction.

The embodiment of the invention provides a transaction method and transaction system based on a digital currency hard wallet, and the method comprises the steps: an industry terminal transmits a feature negotiation request to an interactive hard wallet; in response to the fact that the hard wallet receives a successfully matched feature negotiation result determined by the hard wallet according to the feature negotiation request and the features of the hard wallet, the industry terminal generates a first authentication key by using a security algorithm; the industry terminal initiates bidirectional authentication verification with the hard wallet, information sent by the hard wallet is verified by using the first authentication key, and information sent by the industry terminal is verified by the hard wallet by using a second authentication key generated by a security algorithm; and in response to a result that the bidirectional authentication verification is passed, the industry terminal executes an industry data rewriting operation on the hard wallet and completes the transaction service, and after the transaction service is completed, the industry terminal sends the transaction data to the hard wallet. And the transaction information is sent to the associated operation mechanism system through the industry background system, so that the associated operation mechanism system carries out payment transaction processing according to the transaction information.

Processing a payment transaction from a payer (operating a payer computing system) to a payee (operating a merchant computing system) by a secure computing system. The secure computing system outputs a financial account registration request form to the payer computing system (e.g., within a window or frame that is displayed within an ecommerce webpage provided by the merchant computing system) for the payer to provide sensitive financial account information, securely stores the sensitive financial account information, maintains compliance with an information security standard (e.g., a Payment Card Industry Data Security Standard), and provides a non-sensitive electronic data token representing the sensitive financial account information to the merchant computing system. The merchant computing system can then process the payment transaction using the sensitive financial account information represented by the non-sensitive electronic data token without actually receiving—and, therefore, having to secure—the underlying sensitive financial account information.

Systems and methods are described related to using flexible circuitry in a payment device. In one embodiment, a payment device comprises a computing device and a memory. The computing device is configured to store a biometric identifier associated with a transaction account. The computing device is configured to at least receive, by the antenna, an interrogation signal from a point of sale (POS) device in order to activate the payment device for a payment transaction. The computing device is configured to determine a scanned fingerprint identifier of a user based at least in part on the interrogation signal activating the payment device and authenticate the scanned fingerprint identifier by matching the scanned fingerprint identifier to the biometric identifier. The transaction account is transmitted to the POS device for processing the payment transaction based at least in part on the authentication of the scanned fingerprint identifier.

The invention provides a mobile payment end-to-end encryption communication method based on anti-quantum computing, and the method comprises the steps: obtaining payment transaction data of a client, splitting the payment transaction data according to payment fields, binding a corresponding user operation behavior tag for each payment field, and generating a field behavior pair; encrypting by using an anti-quantum encryption algorithm to generate a disturbance encryption ciphertext set; combining the disturbance encryption ciphertext set with the user operation behavior label and the channel number to form a structured ciphertext unit, and transmitting the structured ciphertext unit to a server; and determining whether the decrypted payment field and the user operation behavior tag conform to a predefined legal transaction process, if so, executing the transaction, and otherwise, refusing the transaction. Through the collaborative design of coding, replacement, encryption, label verification and inverse replacement decryption, anti-quantum security and transaction behavior control are deeply fused, the deployability and reproducibility of the scheme are ensured, and the overall security level of mobile payment is remarkably improved under the existing hardware condition.

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.

A system and method authenticate payment transactions using risk based analysis modeling when multiple payment accounts are identified by input biometric data. An authentication request includes the biometric data associated with a user. Multiple user payment accounts associated with the biometric data are identified. A confidence score is generated for each of the multiple user payment accounts based on context data associated with the payment transaction. The payment account with the highest confidence score is selected. The selected payment account is authenticated for use in processing the payment transaction to ensure payment transactions are performed on the correct payment account.

Provided herein are systems and methods for authenticating users during payment transactions and other types of interaction events using biometric information. The disclosed systems involve a biometric orchestration platform that receives biometric data of a user from a biometric module or device, intelligently routes this data to a biometric verification service, and retrieves a positive identification if a match is found. This identification is then used in various ways, e.g., to retrieve a payment card token linked to the user's authorized payment method.

This product is used in POS machines for financial payment and can support the processing of financial payment transactions such as scan code, unconnected cards, IC cards, and magnetic stripe cards.

Disclosed in the present application are a social information pushing method, a related apparatus, a device and a storage medium. The method of the present application comprises: in response to a payment transaction request, acquiring a consumption feature vector corresponding to a target user account, the payment transaction request carrying the target user account and device location information; on the basis of the device location information and the consumption feature vector corresponding to the target user account, determining M user accounts; on the basis of the device location information, determining N pieces of recommended location information; and pushing social information to at least two terminals, the at least two terminals comprising a target terminal and at least one terminal, the target terminal having logged into the target user account, each of the at least one terminal having logged into one of the M user accounts, and the social information comprising the N pieces of recommended location information. The present application reduces the social cost of users and can also improve the accuracy of social matching.

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

A computer-implemented method of facilitating payments between multiple first parties and a second party, comprising: executing a respective payment channel between each respective first party and an intermediate party by: obtaining a channel opening transaction comprising an output locking a maximum value; obtaining one or more channel closing transactions including a final channel closing transaction, the final channel closing transaction comprising a first output and a second output, the first output locking a first amount of the maximum value, and second output locking a second amount of the maximum value; and generating a payment transaction, wherein the payment transaction comprises a plurality of inputs, each input referencing a second output of a final channel closing transaction, and an output locked to a public key of the second party, the output locking a value based on a total of the second amounts locked by the second outputs.

A computer-based network system and method for using a payment vehicle having an on and off function. The system comprises a payment vehicle comprising an on and off function to enable or to disable the payment vehicle in the computer-based network for processing an electronic payment transaction, a holder of the payment vehicle, and a computer payment network wherein the computer payment network comprises a transaction engine for enabling or for disabling the payment vehicle at a request of the holder of the payment vehicle.

The present application relates to the field of offline payment, and discloses a stereo garage offline payment method and system based on multi-scene recognition, comprising the following steps: based on multi-source recognition technology, analyzing the license plate number, parking time and position of the vehicle, and combining various algorithms to accurately calculate the parking fee of the vehicle. Vehicle information is preset in advance, and when the vehicle leaves, the vehicle information is retrieved in the database, offline payment is automatically performed, offline payment threat analysis and security optimization are performed during the offline payment transaction, and finally the offline payment transaction record is synchronized to the server for checking and correcting by the vehicle owner. The present application can calculate the fee of the vehicle parked in the stereo garage through multi-scene vehicle recognition, and perform offline payment and transaction monitoring and processing on the vehicle, thereby improving the use convenience of the stereo garage, ensuring the smooth payment in the case of network interruption, and improving the security of the transaction.

To provide a payment transaction management device, a payment transaction management method, and a payment transaction management program that can reduce the workload of the person in charge in payment transactions, regardless of whether the payment is paid or free of charge. [Solution] The supply transaction management device according to this embodiment includes a manufacturing instruction master 106c which registers the goods processed by the processor, the manufacturing destination which is the processor, the goods supplied to the processor, and a supply classification which specifies whether the goods are supplied free of charge or for a fee, and a supply performance calculation processing unit 102a which uses the goods supplied and the recipient of the supply performance data as keys to obtain the supply classification from the manufacturing instruction master 106c and update the supply classification in the supply performance data.

Various systems and methods of anonymously conducting a secured payment transaction between a consumer and a merchant are disclosed. The methods can be carried out at a transaction code computer in communication with an alias directory. According to the method a transaction code computer receives a request for a dynamic transaction code from a merchant computer. The request includes a merchant alias identifier. The transaction code computer queries an alias directory storing merchant information details. The transaction code computer validates the merchant with the alias directory based on the merchant alias identifier. The transaction code computer generates the dynamic transaction code and transmits a response to the request for the dynamic transaction code to the merchant computer.

Methods, systems, devices, and computer-readable media for a multi-party transaction decisioning system are provided. The system may analyze a purchase transaction associated with a first user and may identify that the transaction is associated with more than one party based on determining that an amount of the transaction is atypical for the first user. The system may identify a party associated with the multi-party transaction based on analyzing data associated with the first user. The system may generate a delegation request for a portion of the amount of the multi-party transaction to be delegated to the identified party and may transmit the delegation request to the identified party. Subsequently, the system may receive a payment transaction from the identified party, and the system may identify that the payment transaction is associated with the previously transmitted delegation request.

Technologies for managing payment authorization request messaging for payment transactions include a transaction management controller. The transaction management controller receives a transaction amount for a payment transaction from a business management engine and a payment transaction type from a point of interaction device. The transaction management controller initializes a transaction processing module that corresponds to the received payment transaction type. The transaction processing module defines payment processing parameters for processing payment transactions of the payment transaction type. One or more of the payment processing parameters are modified based on configuration data received from a remote configuration device. The transaction management controller processes the payment transaction as a function of the payment processing parameters. Other embodiments are described and claimed.

The invention discloses a non-contact card payment processing method and electronic equipment. The method is applied to a security chip in the electronic equipment, the electronic equipment comprises a processor and the security chip, the security chip is used for being connected with a non-contact card, and the method comprises the steps that an application file locator is obtained, and the application file locator is a list obtained from the non-contact card and used for locating transaction data; analyzing the application file locator, and generating a plurality of corresponding record reading instructions; continuously sending the plurality of record reading instructions to the non-contact card; and receiving and integrating record data returned by the non-contact card in response to the plurality of record reading instructions to form a unified result, and feeding back the unified result to the processor. According to the invention, a batch instruction continuous sending and data centralized processing mechanism dominated by the security chip is realized, file positioning is issued at one time, the security chip autonomously executes complete data reading and integrates and returns, and the processing efficiency of non-contact payment transactions and the utilization rate of system resources are improved.

The application relates to the technical field of payment transaction security detection, and discloses an insurance online payment transaction security real-time detection method and system. The method comprises the following steps: acquiring macroscopic transaction features and microscopic dynamic data; generating user cognitive parameters through a cognitive dynamic model; fusing the macroscopic features and the cognitive parameters to construct a hybrid vector; mapping the hybrid vector to a potential field to calculate an instant risk value; calculating a risk trend based on vector changes and a potential field gradient; comprehensively detecting a security level based on the risk value and the trend index. The system comprises the following modules: a data acquisition module, a cognitive parameter generation module, a state vector construction module, a risk potential calculation module, a path trend analysis module and a risk level decision module. The application constructs a unified hybrid state vector, deeply fuses and integrally represents heterogeneous data from a macroscopic transaction environment and microscopic user behaviors, and solves the fundamental defects of the prior art in identifying complex risk patterns emerging due to cross-dimension feature coupling.

To provide a memory service, tags are associated with content including photos / videos as well as messages, links, files, call transcripts, payment transaction information, location history, contacts, and / or activity information in an electronic device. Connections are determined between items of the content and photos / videos. A memory is identified as meaningful for a user according to characteristics of a relationship between the user and another person; frequency of communication between the user and the person; content of communication between the user and the person; characteristics of an event or an activity associated with the memory; and characteristics of a location associated with the memory. Digital content aggregated for the meaningful memory includes at least some of the tagged content and at least some of the photos / videos. Based on the aggregated digital content, a digital memory is created allowing the user to reexperience the meaningful memory.

The invention discloses a data asset transaction system and method based on federated learning, a trusted execution environment and related noise differential privacy, and belongs to the technical field of data security and privacy calculation. The system comprises a front-end data holding node, a coordination server, a third-party TEE computing node, a query payment transaction terminal and a personal terminal, the front-end data holding node is used for executing data preprocessing, feature extraction and encryption operations, and the coordination server is used for executing network topology construction, covariance optimization, security aggregation and block chain evidence storage operations. The third-party TEE computing node is used for remote authentication, compliance examination and privacy enhancement computing operation, the query payment transaction terminal is used for executing demand encryption and result display operation, and the personal terminal is used for data contribution and income receiving operation. According to the method, federal learning and related noise differential privacy are fused, privacy protection and noise cooperative counteracting are realized, the model accuracy is improved, and a transaction system in which data can be invisible is constructed.

To effectively prevent shoplifting at self-checkout counters. [Solution] Server 1 acquires object detection information indicating the detection result of a predetermined object that has entered a predetermined area A by the object detection sensor S1. Server 1 acquires scanned information indicating that the product information of a predetermined product B has been read by the barcode scanner BS. If one of the object detection information and the scanned information is acquired but the other is not, Server 1 determines that there was an abnormality in the payment transaction by the prospective product purchaser U, i.e., there is a possibility that the prospective product purchaser U has shoplifted.

Methods, systems, and computer program products provide direct and in-network provisioning of tokens. A secure token exchange (STE) processor receives a direct token request from a token requestor prior to sending a payment transaction message or request for payment message. In-network token provisioning is performed during a transaction and also involves the STE processor. Data aggregation security is provided by verifying consumer information, tokenizing account data, and forwarding a token and consumer data to a data aggregator.

The invention provides an automatic account checking method and device, a storage medium and a program product, and relates to the technical field of computer application. The account checking method comprises the following steps: carrying out preprocessing and feature extraction on an original account file and a payment flow file to obtain an account data feature vector and a flow data feature vector; based on a short-term time window, extracting account-pipeline candidate pairs in the account data feature vector and the pipeline data feature vector to form a candidate set; performing multi-dimensional matching processing on the candidate set to obtain a first matching result; dynamically expanding the time window to obtain a new candidate set, and performing greedy matching on the accounting-pipeline candidate pair in the new candidate set to obtain a second matching result; and performing backtracking verification on the first matching result and / or the second matching result to obtain an optimized matching result and an abnormal record. By adopting the reconciliation method provided by the invention, full-automatic reconciliation of the system can be realized, manual participation is greatly reduced, and meanwhile, the reconciliation efficiency and accuracy are remarkably improved.

The present application relates to a multi-dimensional encryption transmission protection method and system for cross-border payment, belonging to the field of electronic digital data processing, more specifically to the field of Internet security services, the method comprising: using a gradient boosting decision tree and deep cross network fusion model to intelligently analyze a dynamic multi-dimensional encryption strategy uniquely corresponding to a current cross-border payment transaction according to each item of basic data associated with the current cross-border payment transaction. The present application also relates to a multi-dimensional encryption transmission protection system for cross-border payment. Through the present application, in view of the technical problems in the prior art that the encryption transmission protection strategies for each cross-border payment are difficult to balance security, transaction efficiency and power saving, and the corresponding key protection capability is insufficient, a gradient boosting decision tree and deep cross network fusion model designed with a customized structure is used to intelligently analyze a unique dynamic multi-dimensional encryption strategy for each cross-border payment transaction according to each item of basic data selected in a targeted manner, thereby solving the above technical problems.

The application belongs to the technical field of online transaction, and discloses a blockchain integral transaction method, system, device and storage medium. The blockchain integral transaction method comprises the following steps: generating a payment code and a repurchase gold account for a merchant; receiving and executing a payment transaction sent by a user and transferring repurchase gold to the repurchase gold account; receiving an integral exchange request of the user; triggering a transaction when the accumulated amount of repurchase gold in the repurchase gold account is greater than or equal to a trigger value, repurchasing all integrals with the repurchase gold until the repurchase gold is exhausted or the qualified integrals are completely repurchased. The application breaks the mode of only active buy orders in the traditional integral transaction system, creates passive buy orders of consumption orders, links online and offline consumption scenes, changes the traditional active buy and sell transaction into an order repurchase passive buy and sell transaction mechanism, and can promote consumption, increase additional income of consumers, improve customer return rate, increase customer stickiness and stimulate user consumption.

A computer-implemented method includes: receiving an inquiry request message identifying a first payment transaction having a plurality of transaction parameters and a risk score, where the risk score is generated by a machine-learning model based on the plurality of transaction parameters; for each transaction parameter of the plurality of transaction parameters, perturbing a value of the transaction parameter and re-analyzing the first payment transaction with the machine-learning model to generate a perturbed risk score based on the perturbed transaction parameter; determining at least one impact parameter from the plurality of transaction parameters by comparing the perturbed risk scores generated for each of the plurality of transaction parameters; and generating an inquiry response message based on the at least one impact parameter.

The invention relates to a method for identifying a user to access a good or service. [0002] According to the invention, said method comprises: - a step of presenting a payment card to a terminal by the user to be identified; - a step of executing a payment transaction by the terminal for a zero amount; - when said payment transaction is executed without error, a step of issuing an identification assertion that grants access to the good or service.