33results about "Protocol authorisation" patented technology

Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for providing, along with a token, a token assurance level and data used to generate the token assurance level. At the time a token is issued, one or more Identification and Verification (ID&V) methods may be performed to ensure that the token is replacing a PAN that was legitimately used by a token requestor. A token assurance level may be assigned to a given token in light of the type of ID&V that is performed and the entity performing the ID&V. Different ID&Vs may result in different token assurance levels. An issuer may wish to know the level of assurance and the data used in generating the level of assurance associated with a token prior to authorizing a payment transaction that uses the token.

The invention provides a system and method for facilitating secure payments to a payee. In accordance with the invention, a payee can enroll and/or register with a customized account processing center (CAPC). The CAPC can include payment information about the payee, such as the payee's account number and the payee's preferred payment format. When a payee is registered and elects payment via electronic funds transfer, the CAPC issues instructions to the bank to transfer funds from the payer's bank account to the payee's bank account which may be at the same bank or at a different bank. The CAPC can also create a detailed record of payment histories which are accessible to the payee. The CAPC also can send a notification to the payee when a payment is made.

The invention relates to a mobile payment method for field shopping, and belongs to the technical field of mobile payment. A cellphone is utilized as a payment terminal of a consumer and a non-contact POS (point-of-sale) terminal of a commercial tenant. The mobile payment method comprises the steps that a commercial tenant cashier utilizes the cellphone to recognize a bar code of a commodity chosen by a consumer, and then a trading two-dimension code generated according to order information and business information is displayed on a cellphone screen; the consumer utilizes the cellphone to recognize trading two-dimension code information, and requests an internet payment platform and a bank deal system to pay after affirming the amount of payment. The mobile payment method provided by the invention has the advantages that a bank card and a POS machine are needed in the whole trading process, and the information of a bank card and account codes of the customer do not enter a commercial tenant cashier system, so that the operating cost of the commercial tenant is reduced, and the safety of mobile online payment is also guaranteed; a mobile payment system can record consumer consuming behavior data and commercial tenant market data which are generated in the trading process, and thus data resources with huge economic values and social values are accumulated for banks or Union Pay.

A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also enables the allocation of a portion or all of a charge or loyalty points to different transaction accounts issued by different issuers, or to sub-accounts.

System and methods for converting a fixed form card to a virtual card are disclosed herein. The system includes a virtual card manager and a user computing device communicatively coupled via a network. The virtual card manager may be configured to convert a fixed form card to a virtual card, and the user computing device may be configured to initiate a virtual card conversion request via a virtual card engine stored in mass storage and executable by a processor. As such, a stored value of the fixed form card may be transferred to the virtual card in a secure manner.

A user of a mobile phone photographs himself/herself, and sends a password to an authentication server. After the authentication server authenticates the user, the mobile phone stores the photographed image of the user in a memory accessible only by authentication software. When the authentication software detects a billing apparatus at the time the user makes a purchase, the image is read from the memory and displayed while an indicator is on. A store clerk can confirm whether the person carrying the mobile phone is the legitimate user by judging whether the face image matches the person and whether the indicator is on at the same time.

A method for standardizing and syndicating international business transactions over a communications network, comprising the steps of receiving a transactional request containing terms of the business transaction from a client and categorizing the transaction into pre-defined categories. The method retrieves the functional templates for the pre-defined categories from a database and generates functional aspects of the business transaction, such as forms, documents and the like, based on the terms of the business transaction and client information to enable the client to execute the business transaction.

A computer-implemented method included receiving a first request to verify a first requested transfer of funds from a first account to a first merchant prior to the first merchant receiving an acceptance of the first requested transfer of funds; identifying a first instance of an application program installed on a first mobile wireless device as being associated with the first account; causing, in response to receiving the first request, a first notification of the first requested transfer of funds to be presented on the first mobile wireless device via the first instance of the application program; determining that the first requested transfer of funds is not approved by a user of the account based on a first message received from the first instance of the application program or a failure to receive a message from the first instance of the application program within a predetermined period of time; and causing use of the first account to be disabled in response to the determination that the first requested transfer of funds is not approved by a user of the account.

The present invention provides a method and system for sharing resources. The method includes: receiving a resource generation request sent by a first terminal, the resource generation request carrying resource information, and the resource information includes resources, resource content and resource sharers information, and the information of the resource sharer is invisible; share the resource link address with the second terminal according to the shared resource request; receive the recipient input input by the recipient obtained after the second terminal accesses the resource link address ; Display on the second terminal that resource acquisition is successful, and the resource sharer information is visible. This method enables the resource sharer to share resources when there is a need for anonymity, and allows the resource sharer to see the information of the resource sharer only after being verified. Therefore, the resource sharing method can effectively improve the security of the resource sharer's information.

An automated transaction device and an automated transaction system avoiding the misbehaviors while registering the organism information for the personal authentication are provided. In the automated transaction system, the network can connect the customer terminal of the customer operation in communicating way and the central terminal of the operation by the operator. The hand side facial photography portion shoots the face and hand side of the customer while obtaining the organism data and the operating the customer terminal. In addition, while obtaining the organism data in order to process the personal authentication, the invention also shoots the face and hand side of the customer. Then the characteristic comparing portion obtains the organism data to confirm whether the picked customer hand side characteristic is accordant; if the customer hand side characteristic is not accordant, the central operator uses the central terminal to compare the faces of the customers of the organism data; if the situation can not be confirmed, the situation is set as no transaction to avoid the misbehaviors.

The invention discloses a display control method and device, a terminal and a readable storage medium. The display control method and device are applied to the terminal with a display screen, and areused to solve problems of tedious display and operations of terminal application programs. The display control method includes: detecting a preset area of the display screen through a sensor of the terminal; judging whether a suspension manipulation event is detected by the sensor on the preset area; and displaying a preset virtual control in the preset area of the display screen if the suspensionmanipulation event is detected by the sensor on the preset area.

The invention discloses a digital money mining system and method based on biometric ID authentication, the system comprising a VR head display module, wherein the VR head display module comprises an iris identification module; the iris identification module is used for registration and login of the system; the uniqueness of iris characteristics determines the uniqueness of identity identification.The bioID includes an iris, fingerprints and faces. People perform voting according to point holdings through the DPos voting mechanism 101 nodes with the most votes are selected and 500 nodes are simultaneously selected as backup nodes, which form miners. PoW calculation force comparison is carried out, and the CPU/GPU is used for mining. The invention can give play to the advantages of PoW andDPoS, make up the corresponding shortcomings, avoid a large amount of waste of calculation force, slow out-block speed and the like; Combined with VR, the method lays a foundation for the popularization of VR and provides a carrier for iris recognition.

The invention discloses a recharging method and a recharging system of a value card, wherein the method includes that a user terminal is in communication and connection with a read-write device; the read-write device reads card number of the value card; a user terminal sends a recharging request command to a server; after receiving the command, the server records the recharging request this time and generates a user recharging order; the user terminal reads the user recharging order and uses a bank or a third party payment platform to ask for paying and withdrawing according to the user recharging order; the user terminal controls the read-write device to write the value card. Through the read-write device, the value card number in the value card is read; through the server, the rechargingrequest is recorded and the user recharging order is generated; through the user terminal, the user recharging order is read and the bank or the third payment platform is used to ask for paying and withdrawing according to the user recharging order; finally, the user terminal controls the read-write device to write the value card, the value card is rapidly and safely recharged.

An active smart card (“ASC”) including an active near-field communication (“NFC”) reader configured to enable an active wireless NFC communication directly with another active NFC-enabled smart card to perform a transaction is provided. The ASC may include a battery configured to power the active NFC reader. The ASC may include a thickness wherein at its thickest point, may not be thicker than. 8 millimeters (“mm”). The width and height of the ASC may not be smaller than 90% of a width of 86 mm and not smaller than 90% of a height of 54 mm. The ASC may include a keypad embedded on the ASC that may include a display and alpha-numerical keys. The keypad may not extend a thickness greater than 0.8 mm. The ASC may further include a microprocessor enabling processing and transmitting card ID data and to communicate with a payment network.

The invention relates to a mobile Internet service application-based on line payment system comprising a mobile terminal and a service terminal. The mobile terminal comprises a watermark verifying module, the service terminal comprises a watermark generating module which responds to successful verification of personnel information to generate an invisible watermark image which is added to a certificate image uploaded by a user, the watermark image and the certificate image uploaded by the user are respectively stored in the mobile terminal, the watermark image and the certificate image are automatically synthesized and uploaded only when being needed to uploaded to the service terminal, an account setting request to the mobile terminal via the service terminal, the mobile terminal responds to the account setting request, the watermark image is added to an order form confirmed by the user, the order form having the watermark image is sent to the service terminal, or a service completion notice is sent to the service terminal via the mobile terminal, the service terminal responds to the service completion notice, the account setting request is sent to the mobile terminal, the mobile terminal responds to the account setting request, the watermark image is added to the order form confirmed by the user, and the order form having the watermark image is sent to the service terminal.

The embodiment of the invention discloses a digital currency exchange method and device, equipment and a medium. A trusteeship node receives digital currency uploaded by a user terminal; and selectinga token contract matched with the token type to which the digital currency belongs, and converting the digital currency into tokens according to the token contract. The alliance chain stores tokens corresponding to the user terminals transmitted by the hosting node; and when a transaction request transmitted by the user terminal is received, updating the token corresponding to each user terminalin the transaction request according to a rule matched with the transaction request. The digital currency corresponding to the user terminals is stored on the alliance chain in the form of tokens, andthe purpose that the user terminals execute the digital currency transaction is achieved by updating the tokens corresponding to the user terminals. The alliance chain records tokens of different user terminals, and cross-chain transaction among multiple chains can be realized. And the token exchange is that a transaction process is executed by a program code, so that the transaction reliabilityis ensured, and the decentralization effect is realized.

The invention relates to the technical field of computers, in particular to a virtual account-based card-free cash withdrawal method, a device and a storage medium. According to the main technical scheme, the method comprises the steps of receiving a withdrawal request sent by an intelligent terminal, wherein the withdrawal request comprises withdrawal information, and the withdrawal information comprises a self-service withdrawal device number, a withdrawal bank number, a withdrawal virtual account number and a withdrawal amount; performing withdrawal verification on the withdrawal information according to the withdrawal request; if the withdrawal information passes verification, sending a payment request to the intelligent terminal, it is confirmed that the intelligent terminal completespayment authorization, performing account deduction treatment on the withdrawal virtual account, and sending the corresponding withdrawal request to a withdrawal bank server, so that the withdrawal bank server notifies the self-service withdrawal device to execute withdrawal operation; and verifying according to the withdrawal result information of the self-service withdrawal equipment sent by the withdrawal bank server, and executing corresponding accounting processing operation after verification. According to the method and the device, cash withdrawal operation can still be executed underthe condition that a bank card is not carried.

The invention discloses a data processing acceleration method and device, electronic equipment and a storage medium, and belongs to the technical field of data processing.The data processing acceleration method comprises the steps that a notification that a computing server writes transaction information into a processing queue is received, the transaction information is information extracted by the computing server from an electronic resource transaction task allocated by a scheduling server; reading the transaction information from the processing queue of the computing server according to the notification; and carrying out acceleration processing on the transaction information to enable the computing server to finish the electronic resource transaction task in an acceleration manner, thereby improving the availability of an electronic resource transaction system and helping an authoritative subject to provide a better electronic resource transaction service.

The invention discloses a smart watch payment method using two-dimensional codes. The method comprises the steps that a user APP payment terminal randomly generates a group of two-dimensional codes; auser mobile terminal is connected with the Bluetooth of the smart watch, and the group of two-dimensional codes generated in the step S1 is transmitted to a two-dimensional code storage module of thesmart watch; inputting fingerprint information of a user is input into a fingerprint identification module of the smart watch; during payment, the fingerprint identification module firstly fingerprint information of a user, and then the two-dimensional code of the two-dimensional code storage module is randomly displayed under the condition that the fingerprint information is checked to be correct. According to the smart watch payment method, the payment speed can be greatly increased.

The invention provides an enterprise value card issuing method and system based on NFC. The method includes the steps that a user provides identity information of the user and recognition informationof a mobile terminal to a management server through the mobile terminal; the management server calls an encrypting unit to generate security encrypted information; the management server sends the security encrypted information to the mobile terminal of the user; the user purchases an enterprise value card, and a sales channel submits a card issuing request to a card issuing server; the card issuing server calls the security encrypted information, generates the NFC value card and sends the NFC value card to the mobile terminal of the user; the mobile terminal of the user receives and stores theNFC value card; the user makes the mobile terminal get close to a card reading area of a cancel-after-verification terminal of a merchant, and the cancel-after-verification terminal conducts purchasing cancel-after-verification operation on the NFC value card stored in the mobile terminal of the user. The enterprise value card issuing method and system based on NFC are simple in operation, good in safety and convenient to use.

The invention discloses an online and offline mobile payment service platform. The platform comprises a shell, a display screen, an alarm, a fingerprint recognizer, a magnetic stripe card reader, a mass sensor, an AT89S51 single-chip microcomputer and a sound recognizer; the switch, the display screen, the alarm, the camera, the keyboard and the fingerprint identifier are arranged outside the shell, a servo motor, a bill paper tube, a mass sensor and a printer are arranged outside the shell, a storage battery, the sound recognizer and the AT89S51 single chip microcomputer are arranged on one side of the magnetic stripe card reader. When the system is used, a user can complete payment in a password mode; the identity can be verified through fingerprints and sounds reserved in the system terminal by the user; the paper tube is arranged in the paper tube, full-course video recording is retained, the maximum safety guarantee is provided for a user, when a quality sensor in the device senses that the weight of the paper tube is insufficient, information is transmitted to an AT89S51 single chip microcomputer, the AT89S51 single chip microcomputer controls an alarm to send out alarm reminding, the user can replace a printing receipt in advance, and more time is saved.

The invention discloses a subsidy fund issuing method and device, a storage medium and electronic equipment, and can be applied to the field of finance. The method comprises the following steps: when monitoring that a fund issuing result of a currently issued subsidy fund is issuing failure, determining issuing information; generating a corresponding 5G message, sending the 5G message to the subsidy object, prompting the subsidy object to check the issuing information, and inputting identity verification information to apply for re-issuing subsidy funds; when the proofread issuing information and the identity verification information are received, performing identity verification on the subsidy object; if the payment information passes the identity verification, the proofread issuing information is sent to the civil administration system, so that the civil administration system confirms whether the subsidy fund is issued again; and when an instruction for confirming to issue the subsidy fund again is received, issuing the subsidy fund to the subsidy object again. By applying the method, the user can apply for reissuing the subsidy without going to a website or operating an APP, the process is convenient and rapid, and the user experience can be improved.