429 results about "Personal account" patented technology

A method for securing financial transactions involving payment cards includes associating a sixteen-digit personal account number (PAN) with a particular payment card and user, wherein are included fields for a system number, a bank/product number, a user account number, and a check digit. A four-digit expiration date (MMYY) associated with the PAN. A magnetic stripe on the payment card is encoded with the PAN for periodic reading by a magnetic card reader during a financial transaction. A table of cryptographic values associated with the PAN and the MMYY is stored on each user's payment card during personalization by an issuing bank. A next financial transaction being commenced with the payment card is sensed. A cryptographic value from the table of cryptographic values is selected for inclusion as a dynamic portion of the user account number with the PAN when a next financial transaction is sensed. Any cryptographic value from the table of cryptographic values will not be used again in another financial transaction after being used once. The issuing bank authorizes the next financial transaction only if the PAN includes a correct cryptographic value in the user account number field.

A foldable data card assembly and method are disclosed. The foldable data card assembly comprises a base assembly with a left portion, a middle portion, and a right potion. The left portion or the middle portion contains an aperture. A data card is enclosed within the base assembly such that the aperture is aligned with a special number on the data card. A security barrier is placed adjacent to the personal account number on the data card, but the security barrier is not placed between the aperture and the special number on the card. During manufacture, the special number is read from the card through the aperture, and the special number used to generate activation information which is printed on the package. The activation information is read at the point of sale, and used to activate the account associated with the activation information.

Disclosed is a novel method of sending electronic gift cards. The cards enable people when they are in a hurry and they want to do last minute shopping for special occasions, the holidays, including those special events such as anniversaries, birthdays and special event days. The invention allows anyone with a mobile device to send a personalize “gift card” to anyone else who also has a mobile device anywhere. Through secure personal accounts, the consumer may tell the transaction server, about whom to send the gift to, how much, and select the occasion or customized message. The electronic “gift card” can be in one of the alternative forms, such as just text, image, or video message. The delivery of the “gift card” can be scheduled instantly or anytime in the future. It can also be periodic. The delivery of the card is secured and guaranteed as is the redemption and transaction process. The innovation also allows setup of recurring delivery of gifts as well as reminder alerts of upcoming special events or occasions.

CONTROL CARD CHECK is a pocket size system and a method for auditing personal accounts. It is an individual module that operates on a digital level. This invention is for bank account and credit card information inspecting only. This technology system provides access to your bank and credit card information instantaneously, without having to log onto the Internet, drive to your bank (ATM), or call a service bank agent. This system will allow you to check your current balance on any account card you own, excluding gas cards, retail cards, and phone cards, just by inserting the card into the card reader. The design of the pocket electro mechanism is slightly larger than your account card with a magnet strip-card reader embedded to the back of the instrument. In seconds, see your balance by entering your four-digit security pin number on the touch screen. On the menu screen you will have four options to choose from. 1. Current balance. 2. Daily transactions. 3. Weekly transactions. 4. Payment information and Due date. (Bank payment address & phone numbers). Ideal for any situation

A method of accessing a vendor web site (3422) over a global communication packet-switched network (306) using personal account information of a credit card (3400) retrieved from a credit card company server (3300) on the network (306). At a user location disposed on the network, a machine-resolvable code (MRC) (3402) of the credit card (3400) of a user is read with a reading device (3410). Coded information is extracted from the MRC (3402). Routing information associated with the coded information is obtained, which routing information corresponds to the personal account information of the user stored on a credit card company server (3300) disposed on the network (306). The user location connects to the credit card company server (3300) across the network (306) in accordance with the routing information. The personal account information is returned from the credit card company server (3300) to the user location. The personal account information is then presented to the user at the user location. A hyperlink to a vendor web site (3422) is provided in the personal account information. Web site information of the vendor web site (3422) is displayed in response to the user selecting the hyperlink.

Each service system with a variety of databases in marketing environment maintains and audits purchasing transaction data to look for ID theft and transmits suspicion events to security service system which is attached to marketing environment. Security service system maintains status data and identifies information including biometric identity, portable device identity, and message to defeat ID-theft attacking. Identifying events is transmitted to service systems for derived information to reflect operation. Services systems include Insures Service Systems, Bank Service Systems, Business Service Systems, and Portable Devices under Security Service Systems monitoring in marketing environment. And also a portable device with a local CPU, memory, I/O interface, wireless network and a host interface provides user for purchasing transaction with merchant. A portable device retains pertinent purchasing transaction data and establishes personal account in memory to aid person analyzes with the collected data and identify potential ID theft attacks in the marketing environment.

The invention relates to a method and system for renting a basketball through a smart phone. The method comprises renting processes and returning processes. By designing a renting application and equipment maintenance management system for a cloud server and a basketball renting cabinet connected with the internet, a special wireless induction electronic tag chip basketball is added in a matched mode, on the basis of a smart phone application, and the convenient and fast basketball renting service can be provided for a basketball fan; by adopting a smart phone application/wechat official account/alipay service number, a two-dimensional code of a renting cabinet is scanned for basketball renting and returning, related information is uploaded to a cloud server, the renting application system of the cloud server is used for calculating the renting time, the consumption condition and cost, and consumption account settling and personal account management are achieved.

A privacy-preserving decentralized computer-implemented system and method for securely aggregating an individual's personal data by extracting, redacting, normalizing, and linking data from a plurality of the individual's personal accounts and services.

The invention discloses a face recognition login method and a face recognition login system. The face recognition login method comprises the following steps of: 1) shooting a face image at a login terminal by using a camera device; 2) transmitting the shot face image to a server; and 3) comparing the shot face image with the face image stored in a database of the server, determining login is successful if the shot face image is the same as the stored face image, and determining the login is failed if the shot face image is different from the stored face image. By the method and the system, damages, caused by password disclosure, to the security of a personal account can be effectively avoided, and login verification is realized by using own face so as to achieve convenience and practicability.

Account transaction protection is provided during the automated authorization process of a charge account, a debit account, a personal account or a business account. After a vendor asks the authorization service provider to approve a pending transaction, the authorization service provider automatically contacts an account holder asking for approval or refusal of the pending transaction. The contact is made by telephone, or computer network, such as the Internet. After entering a PIN to establish identity, the account holder approves or rejects the pending transaction after receiving a validation request message detailing the facts of the transaction. The PIN may be a normal PIN or a duress PIN. If the duress PIN is used, indicating the account holder is under duress to approve the pending transaction, the service provider notifies the authorities. Similarly, if the account holder indicates that refusal is due to unauthorized use, the service provider contacts the authorities.

A method of conducting an e-commerce transaction on a global communication network (306) by using personal account information of a credit card retrieved from a credit card company server on the network (306). At a user location disposed on the network, a machine-resolvable code (MRC) (3402) of the credit card (3400) of a user is read with a reading device (3410). Coded information is extracted from the MRC (3402). Routing information associated with the coded information is obtained, which routing information corresponds to the personal account information of the user stored on a credit card company server (3300) disposed on the network (306). The user location connects to the credit card company server (3300) across the network (306) in accordance with the routing information. The personal account information is returned from the credit card company server (3300) to the user location. The personal account information is then presented to the user at the user location. A hyperlink to a vendor web site (3422) is provided in the personal account information for automatic connection of the user location to the vendor web site in response to selection thereof. Web site information of the vendor web site (3422) is displayed in response to the user selecting the hyperlink. The user can then purchase a product of the vendor web site (3422).

The invention relates to a browser-based suspensible novel network instant chat method. A chat interface can suspend on a browser page, and during instant chat, the popped two-person or multi-person instant chat window can suspend on the browser page. The method has the advantages that: personal computer resources of the user is not occupied, the internal memory and a hard disk are not occupied, the speed is high, and the method is convenient to use; due to the browser-based mode, the security of personal account number, data and chat contents are well ensured and the personal account number, data and chat contents are hardly stolen; besides, the chat interface and the chat window suspend on the page functionally, the chat interface and the chat window can be randomly dragged, and the method meets humanization requirement, and has good user experience.

The invention discloses a method and system for realizing multisystem address-book data fusion. The method comprises the following steps of: setting a uniform address-book platform system which is used for storing a uniform address-book; respectively storing personal accounts and enterprise accounts in address-book data into different account lists, and storing a corresponding relation between the personal accounts and the enterprise accounts in a relation list; and after receiving an address-book data report request which is sent from a business system by the uniform address-book platform system, judging whether the address-book data in the report request is consistent with local existing address-book data or not; if so, finishing a flow; otherwise, updating the existing address-book data according to the address-book data in the report request, and sending the updated address-book data to the other business systems. According to the invention, individual address-book data stored in various application systems and user terminals can be effectively fused, so as to realize the integration of a personal address book and an enterprise address book.

The invention discloses an NFC (near field communication) personal account information management system on the basis of RFID (radio frequency identification) and a method for implementing the NFC personal account information management system. The system comprises an encrypted NFC tag, an NFC mobile phone and a data server capable of being in communication connection with the NFC mobile phone by the internet. The method includes that the NFC mobile phone reads information of the NFC tag and transmits the information of the NFC tag and user registration information to the data server; the data server verifies the user registration information, and provides an access password of the NFC tag after the user registration information successfully passes verification, and the NFC tag is encrypted by a public key; and the NFC mobile phone acquires the access password of the NFC tag by means of decoding by the aid of a private key; and finally, personal account information stored in the NFC tag is copied and restored on the NFC tag by the aid of the decoded access password. By the method synchronously provided with the system, a client can be quite efficiently and safely store and access the client account information in an encryption manner only by the aid of the NFC tag, and various identification verification procedures can be completed automatically on the internet.

The invention discloses an intelligent device connection method, device and system, relating to the technical field of Internet and solving the problem that a device manufacturer needs to develop an intelligent device APP. The method includes that an access device follows a common account through a personal account and acquires the device identity ID of an intelligent device via the personal account, the common account is a common management account developed by a service platform for the intelligent device, and the device identity ID is the only device identity ID distributed by the service platform for the intelligent device before the intelligent device leaves the factory; the service platform receives the device identity ID reported by the access device via the common account and binds the device identity ID to the ID of the personal account; the service platform informs a manufacturer server the acquired binding relation for recording; and the service platform establishes the connection between the intelligent device and the access device via the common account. The intelligent device connection method, device and system are mainly applied to the binding connection process of the intelligent device and a mobile phone.