АППАРАТУРА И СПОСОБ ОСУЩЕСТВЛЕНИЯ ПЛАТЕЖА, ИНТЕГРИРОВАННОГО С ДОСТАВКОЙ ЭЛЕКТРОННЫХ ТОВАРОВ

Изобретение относится к способам электронных платежей и доставки электронных товаров. Техническим результатом является повышение эффективности проведения платежных транзакций, использующих платежную инфраструктуру, с транзакциями электронной коммерции, использующими инфраструктуру электронной коммерции. Электронное платежное устройство, сконфигурированное для соответствия платежной инфраструктуре, опрашивается модулем платежей, также сконфигурированным для соответствия платежной инфраструктуре, первого терминала для получения финансовых данных. Информация, относящаяся к электронному товару, генерируется модулем электронной коммерции первого терминала, и эта информация переносится на электронное платежное устройство в процессе транзакции, проводимой в соответствии с финансовыми данными и платежной инфраструктурой. 3 н. и 27 з.п. ф-лы, 12 ил., 1 табл.

СИНХРОНИЗАЦИЯ СОСТОЯНИЯ МАРКЕРА

Изобретение относится к области вычислительной техники. Технический результат заключается в обеспечении возможности управления доступом к ресурсам с помощью токенов приложений, обеспечивая безопасность данных. Такой результат достигается тем, что подают, посредством приложения первого поставщика услуг из множества приложений поставщика услуг на устройстве связи в компьютер первого поставщика услуг, первый запрос первого токена приложения; принимают, посредством приложения первого поставщика услуг на устройстве связи от компьютера первого поставщика услуг, зашифрованный токен приложения, соответствующий первому токену приложения, принимают, посредством приложения управления счетом на устройстве связи от приложения первого поставщика услуг на устройстве связи, зашифрованный токен приложения; передают, посредством приложения управления счетом на устройстве связи в компьютер услуги токенов, находящийся на связи с компьютером первого поставщика услуг, запрос выдачи токена с зашифрованным токеном ...

ФАКТУРИРОВАНИЕ АБОНЕНТОВ В РЕАЛЬНОМ ВРЕМЕНИ ПО МЕСТОНАХОЖДЕНИЮ АБОНЕНТА В НЕСТРУКТУРИРОВАННОЙ СЕТИ СВЯЗИ

Изобретение относится к системам и способам фактурирования абонентов в реальном времени. Технический результат заключается в расширении функциональных возможностей за счет возможности контроля действий абонентов в сети связи без центрального управляющего/контролирующего устройства. Сведения о счете запоминают, по меньшей мере, для одного абонента по местоположению абонента. Определяют, на основе сведений о счете, наличие у абонента достаточного положительного сальдо для нужного обслуживания. Обслуживание абоненту разрешают или запрещают на основе этого определения. Дополнительные сведения о счете запоминают по местоположению поставщика услуг и используют для контроля сведений об обслуживании данного абонента и для корректирования обслуживания, предоставляемого данному абоненту. 6 с. и 14 з.п.ф-лы, 34 ил.

СИСТЕМА, СПОСОБ И КОМПЬЮТЕРНАЯ ПРОГРАММА ДЛЯ ОБЕСПЕЧЕНИЯ ВЫПОЛНЕНИЯ ТРАНЗАКЦИИ

... 1. Вычислительное устройство, способствующее выполнению транзакций между одним или несколькими удаленными устройствами, содержащеемодуль обработки, выполненный с возможностью взаимодействия с одним или несколькими удаленными устройствами посредством сети связи, и базу данных, выполненную с возможностью содержания информации, касающейся состояния множества каналов транзакции в отношении счета, причем модуль обработки выполнен с возможностью приема инструкций посредством сети связи от одного или нескольких удаленных устройств и предоставления информации, касающейся состояния множества каналов транзакции.2. Вычислительное устройство по п. 1, в котором база данных использует облегченный протокол доступа к каталогам (LDAP).3. Вычислительное устройство по п. 1, в котором модуль обработки представляет собой промежуточный замещающий хост, выполненный с возможностью приема инструкций от, по меньшей мере, одного эмитента карточек.4. Вычислительное устройство по п. 3, в котором, по меньшей мере, одним ...

АВТОМАТИЗИРОВАННОЕ ПРЕОБРАЗОВАНИЕ УЧЕТНЫХ ЗАПИСЕЙ В СИСТЕМЕ РАСЧЕТОВ С АБОНЕНТАМИ БЕСПРОВОДНОЙ СВЯЗИ

... 1. Способ, содержащий этапы, на которых: ! извлекают внешний идентификатор, привязанный к беспроводному клиентскому устройству, из события, подлежащего включению в счет, переданного между беспроводным клиентским устройством и системой расчетов с абонентами беспроводной связи; и ! привязывают внешний идентификатор к внутреннему идентификатору абонента (SID), используемому для передачи расчетного запроса системе расчетов с абонентами оператора. ! 2. Способ по п.1, содержащий также этапы, на которых ! принимают расчетный запрос из внешнего источника расчетов с абонентами в системе расчетов с абонентами беспроводной связи; и ! преобразовывают внешний идентификатор, содержащийся в расчетном запросе, в идентификатор абонента (SID). ! 3. Способ по п.2, содержащий также этап, на котором ! передают расчетный запрос системе расчетов с абонентами оператора. ! 4. Способ по п.2, содержащий также этап, на котором ! подписывают в цифровой форме расчетный запрос во внешнем источнике расчетов с абонентами ...

АВТОМАТИЧЕСКИЙ ЭЛЕКТРОННЫЙ ПЛАТЕЖ ЧЕРЕЗ МОБИЛЬНЫЕ ТЕРМИНАЛЫ

... 1. Способ автоматического электронного платежа на основании обнаружения мобильной станции (140), приспособленной для работы в сотовой телекоммуникационной сети, содержащий этапы:- передачи (205) со стороны передатчика (125), связанного с сфокусированной на ближнюю зону - NFF - базовой станцией (115), являющейся внешней к упомянутой сотовой телекоммуникационной сети, сигнала, который указывает присутствие упомянутой NFF базовой станции (115) путем имитации сигнала базовой станции упомянутой сотовой сети;- обнаружения (210) со стороны приемника (130), связанного с упомянутой NFF базовой станцией (115), запроса соединения с упомянутой NFF базовой станцией (115), который исходит от упомянутой мобильной станции (140);- передачи (215) со стороны упомянутого передатчика (125) сигнала запроса идентификационной информации на упомянутую мобильную станцию (140);- обнаружения (220) со стороны упомянутого приемника (130) ответного сигнала идентификационной информации, отправленного упомянутой мобильной ...

АВТОМАТИЧЕСКАЯ СИСТЕМА ПОДПИСКИ НА ПРИЛОЖЕНИЯ И УСЛУГИ, ПРЕДОСТАВЛЯЕМЫЕ БЕСПРОВОДНЫМ УСТРОЙСТВАМ

... 1. Система для автоматического создания подписки на приложения и услуги, предоставляемые беспроводным устройствам с по меньшей мере одного сервера по беспроводной сети, содержащая одно или более беспроводных устройств выборочно связанные с другими компьютерными устройствами через беспроводную сеть, каждое беспроводное устройство, в том числе его конечный пользователь и компьютерная платформа, способно выборочно загружать и приводить в исполнение на нем программно-реализованные приложения, и пригодно для осуществления доступа конечным пользователем, беспроводное устройство также имеет его подписчика для осуществления доступа к беспроводной сети; и по меньшей мере один сервер, выборочно связанный с одним или более беспроводными устройствами через беспроводную сеть, по меньшей мере один сервер выборочно взаимодействует с одним или более беспроводными устройствами по запросу конечного пользователя беспроводного устройства через беспроводную сеть, при этом, взаимодействие конечного пользователя ...

СИСТЕМА И СПОСОБ АУТЕНТИФИКАЦИИ И ОСУЩЕСТВЛЕНИЯ ОПЛАТЫ С ИСПОЛЬЗОВАНИЕМ МОБИЛЬНОГО ТЕРМИНАЛА

... 1. Система аутентификации и осуществления оплаты для выполнения операций прямых продаж в автономном режиме между торговцем и покупателем и операций продаж с помощью заказов по почте, использующих аудиовизуальные или печатные средства информации, такие как наземное телевизионное вещание, спутниковое вещание или каталоги, с использованием мобильного терминала связи покупателя, допускающего прием сообщений и выполнение беспроводного Интернет-соединения, причем система аутентификации и осуществления оплаты включает в себя сервер эмитента для выпуска, управления и оперирования платежными средствами, такими как кредитная карточка, электронные деньги, средства микроплатежей мобильных телефонов или прямое дебетование банковского счета; сервер сбора для выполнения подтверждения оплаты и выполнения сбора данных и расчета для магазинов-участников и сервер оплаты для выполнения посредничества между сервером эмитента и сервером сбора для предоставления услуги аутентификации и оплаты в ответ на запрос ...

VERFAHREN FÜR BARGELDLOSES BEZAHLEN IN COMPUTERNETZWERKEN ÜBER TELEFON

Verfahren zur Abrechnung von Internet-Geschäften über Mobilfunk

Verfahren zur Abrechnung von Internet-Geschäften über Mobilfunk, welches die Schritte aufweist, dass ein Payment Gateway (3) eingerichtet wird, auf das ein Mobilfunk-Internet-Nutzer über ein Mobilfunkendgerät (1) und ein Anbieter über einen Händler-Server (2) zugreifen können, wobei Kundendaten des Nutzers zentral im Payment-Gateway (3) gehalten werden, dass ein Minipayment-Konto (8) eingerichtet wird, dass der Händler-Server (2) bei einer Bezahltransaktion die Transaktionsdaten, seine Händler-Id, die von ihm unterstützten Bezahloptionen und einen IP-Link des Payment-Gateway (3) zum Mobiltelefon (1) des Nutzers und gleichzeitig direkt an das Payment-Gateway (3) überträgt, und als Kundenidentifikation die temporäre IP-Adresse des Nutzers beifügt, dass der Nutzer nach Prüfung der Daten und Auswahl einer Bezahloption die vom Händler geschickten Transaktionsdaten an das Payment-Gateway (3) sendet, und dass das Payment-Gateway (3) die vom Händler (2) und dem Nutzer (1) erhaltenen Nachrichten ...

Verfahren zur Durchführung bargeldloser Zahlungen und System zur Durchführung des Verfahrens

Automatic vending machine e.g. for topping up mobile telephone credit dispenses character strings associated with financial value

The vending machine comprises an input unit (2) for payment media, a store for goods to be sold, and an output unit (8) for the goods. The machine includes a store (9) for character strings associated with certain financial value, and an output unit (8) for these character strings. The output character strings are associated with a financial value and a service provider. The character string is printed out or temporarily displayed.

Informationsbereitstellungssystem mit automatischer Abrechnung

Informationsbereitstellungssystem mit automatischer Abrechnung, umfassend: einen von einem Benutzer ausgeliehenen Monitor (10), der durch eine Telekommunikationsleitung (14) über einen Server (15) mit einem Provider (16) zum Empfang von Internet-Signalen verbunden ist; eine mit dem Monitor (10) verbundene Signalempfangseinheit (12) für Videosignale, die an den Monitor (10) ausgegeben werden; und eine Abrechnungseinheit (13) zum Integrieren einer Internetnutzungszeit der Telekommunikationsleitung (14) oder einer Projektionszeit für die auf den Monitor (10) projizierten Videosignale, und zum Berechnen einer Nutzungsgebühr der Telekommunikationsleitung (14) oder der Projektionszeit basierend auf dem Ergebnis dieser Integration.

Online payment system

System and method for retail SIM marketplace

A system and method for accessing a carrier network by a client device. The method includes: receiving a selection of a first plan from a carrier marketplace that includes at least the first plan and a second plan, wherein the first plan corresponds to a first set of services provided by a first carrier network, and the second plan corresponds to a second set of services provided by a second carrier network; downloading a carrier profile from the server device to a multi-profile UICC (Universal Integrated Circuit Card) included in the client device, wherein the carrier profile is associated with the first plan; and storing the carrier profile in the multi-profile UICC.

Mobile savings account

Accepting payment information on the web using interactive voice response (IVR)System-Checkout with paybyphone

Alternative method of paying through a credit card using an Interactive voice response (IVR) system redirected from the web page (Checkout with PaybyPhone) from payment portion of the checkout page, rather than the conventional way of entering through the web page. A system and method for paying by a credit card, preferably at a point of sale, is disclosed. The system employs an automated interactive voice response system preferably sponsored by client (Website owner). The user calls into the system using a standard telephone, and enters credit payment information about the customer using the key pad of the telephone in response to verbal questions posed by the system. In one embodiment, only numeric information concerning the customer is entered, such as the customer's credit card number, expiry date... etc. This credit card payment information is used to approve/decline via credit bureau database or a third party vendor who specializes in credit card payment processing, which is used ...

Internet charging

Funds transfer electronically

Transferring funds electronically

A method of secure data transfer between unsecured parties

Method of data transfer for a financial transaction between a customer and a company. The method comprises: receiving order details from an order generator (a company) and generating a unique order transfer code 1302 relating to an order placed by a customer. The transfer code being received by the customer 1304 and then sent back to the order generator 1305 to verify and accept the transfer of a payment over a network communication if the received transfer code matches the original transfer code 1306. If the transfer code is accepted 1308 then the customer is forwarded to a payment platform 1303 to complete the transaction. A communication of successful payment is sent to the company on completion of the payment 1311. The order details include information of the person to be billed and the order information. The method may be implemented on a smart phone or tablet computer device.

Mobile money transfer

Method and system method for transferring funds in a mobile telephone based money transfer system comprising receiving a request for an amount of electronic funds, and debiting the amount of funds from the mobile telephone based money transfer system account, wherein the account is allowed to go or remain overdrawn following the debit. This is to avoid problems caused by management cost or time delays when the account has problems with liquidity (high or low balance). An agent 20 may hold an account within the system and the account may have a balance of electronic funds, which could be provided to the customer 30. A computer program for performing the method is also claimed.

Charging in a communication system

Digital payment system

A method of processing a transaction in a digital network uses data strings to identify parties, the data strings having a prescribed format comprising first, second and third data fields and a checksum, whereby the value of first data field identifies an accrediting entity; the value of the second data field identifies an issuing entity acting as a settlement proxy for a customer; the value of the third data field identifies a customer; and the value of the checksum establishes the integrity of the data string. The method comprises the steps of: providing a primary data string to a customer; assigning an address space within the third data field for use by a further party acting with the authority of the customer, such that (i) all third data values within the assigned address space are available for use in creating valid data strings and (ii) valid data strings having third data values which lie within the designated address space are subordinate data strings to the primary data string ...

Systems and methods for extending an existing network

A method for authorization of a transaction with the use of mobile phone.

Systems and methods for a network-2-network interface

Secure payment and billing method using mobile phone number of account

A method for authorization of a transaction with the use of a mobile phone

INTEROPERABLE FINANCIAL TRANSACTIONS VIA MOBILE DEVICES

Credit card system and method.

A credit card system (100)is provided which has the added feature of providing additional limited-use credit card numbers (126)and/or cards. These numbers and/or cards can be used for a single transaction, thereby rducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to ...

Method and device for processing credits to be used by subscribers of communications network

Secure payment and billing method using mobile phone number or account

A method for authorization of a transaction with the use of mobile phone.

Systems and methods for extending an existing network

Secure payment and billing method using mobile phone number or account.

Ghosting payment account data in a mobile telephone payment transaction system.

Method and device for utilizing an available balance in mobile money account while roaming

Systems and methods for extending an existing network

Systems and methods for a network-2-network interface

Improving liquidity management (M-PESA)

Method and device for processing credits to be used by subscribers of communications network

Method and device for processing credits to be used by subscribers of communications networks.

Transaction server configured to authorize paymenttransactions using mobile telephone devices.

Improving liquidity management (M-PESA)

Systems and methods for a network-2-network interface

Mobile savings account

Interoperable financial transactions via mobile devices

Method and device for utilizing an available balance in mobile money account while roaming

Secure payment and billing method using mobile phone number or account

Secure payment and billing method using mobile phone number or account.

A method for authorization of a transaction with the use of mobile phone.

Secure payment and billing method using mobile phone number or account

Method and device for utilizing an available balance in mobile money account while roaming

Interoperable financial transactions via mobile devices

Interoperable financial transactions via mobile devices

Mobile savings account

Method and device for processing credits to be used by subscribers of communications networks.

Secure payment and billing method using mobile phone number or account.

PROCEDURE AND SYSTEM FOR THE REMOTE DISTRIBUTION FOR THE RETAIL TRADE BANKING OPERATIONS

PAYMENT AUTHORIZATION BY BEACONS (LIGHT SIGNAL)

MOBILE PHONE

PURCHASE FROM A VENDING MACHINE OF MEANS OF A ZELLULARTELEFONS

Method, device and secure element for conducting a secured financial transaction on a device

A device and a secure element for conducting a secured financial transaction are disclosed. The device comprises a central processing unit; a communication interface for establishing a communication between the device and a financial institution related to a financial account; an interface for acquiring data relating to the financial account; the secure element for processing at least a portion of the data relating to the financial account acquired by the interface; and control logic for acquiring a purchase amount to be debited from the financial account and for obtaining a transaction authorization from the financial institution related to the financial account, the transaction authorization being based, at least partially, on data processed solely by the secure element independently of data processed by the central processing unit. A method of conducting the secured financial transaction, and a computer program product for execution by the secure element are also disclosed. Gateway .41 ...

Internet billing method

Sim chip bank system and method

A Subscriber Identity Module (SIM) Chip Bank System and Method for enabling users registered in the system to control their financial and telecommunications resources from their mobile device over a mobile communications network. The system combines mobile network providers and financial services through the use of SIM chips without the need for modifying the users' mobile devices or SIM chip installed thereon. A SIM Chip Bank System Operator (SCB-O) regulates data flow between users, financial institutions, mobile communications service providers, SIM Chip Automated teller Machines and SIM Chip Service Providing Machines through a plurality of communications channels. Upon a user connecting to the SCB-O to request a transaction, the SCB-O connects to the appropriate financial institution to authorize the requested transaction. Upon successful completion, reports are sent back and forth to users confirming the event.

Fee payment system utilizing virtual currency

From a game terminal as a terminal device to be charged, a card ID and a consumed amount of a virtual currency recorded in a card possessed by a user are transmitted to a server device (step S31). The server device replaces the card ID with a user ID as a user ID unique to each user (step S32), and identifies the account of the virtual currency associated with the user ID and managed by the side of the server device, subtracting the consumed amount from the balance of the account when the balance of the account is the consumed amount or more but stopping the subtraction of the consumed amount when the balance is smaller than the consumed amount (step S34). Information relating to a transaction result containing whether the subtraction of the consumed amount is successful or not is transmitted to the game terminal (3) as a response (steps S35, S36).

Secure payment and billing method using mobile phone number or account

A system, method and computer program product for processing payments for goods or services, including a payment processor that receives a payment request from a merchant for goods or services and that includes a mobile phone number or mobile phone account of a user, sends a payment authorization request text message to the mobile phone requesting payment authorization, and receives a payment authorization text message from the mobile phone authorizing or not authorizing the payment. If the payment is authorized, the payment processor pays the merchant and charges the mobile phone account for the payment. If the payment is not authorized or if the payment is not received within a predetermined period of time, the payment processor declines to pay the merchant for the goods or services.

Secure payment and billing method using mobile phone number or account

A system, method and computer program product for processing payments for goods or services, including a payment processor that receives a payment request from a merchant for goods or services and that includes a mobile phone number or mobile phone account of a user, sends a payment authorization request text message to the mobile phone requesting payment authorization, and receives a payment authorization text message from the mobile phone authorizing or not authorizing the payment. If the payment is authorized, the payment processor pays the merchant and charges the mobile phone account for the payment. If the payment is not authorized or if the payment is not received within a predetermined period of time, the payment processor declines to pay the merchant for the goods or services.

Interactive and information data services telephone billing system

TELECOM CREDIT SYSTEM

Method and system for electronic commerce using a mobile communication system

INTERNET PAYMENT

System and method of secure authentication and billing for goods and services using a cellular telecomunication and an authorization infrastructure

E-COMMERCE PAYMENT SYSTEM FOR DIGITAL BROADCASTING AND THE METHOD THEREOF

Operation of a mobile communication device

There is provided a method of operating a mobile communication device to communicate with a remote server. The method includes the steps of providing by means of software operated on the mobile device means to input data relating to a payment card, authenticating the data relating to the payment card with an authentication authority, and providing by means of the software at least means to selectively set permissions on the remote server in respect of an account associated with the card.

Accepting payment information on the web using interactive voice response (IVR) system-checkout with paybyphone

Alternative method of paying through a credit card using an Interactive voice response (IVR) system redirected from the web page (Checkout with PaybyPhone) from payment portion of the checkout page, rather than the conventional way of entering through the web page. A system and method for paying by a credit card, preferably at a point of sale, is disclosed. The system employs an automated interactive voice response system preferably sponsored by client (Website owner). The user calls into the system using a standard telephone, and enters credit payment information about the customer using the key pad of the telephone in response to verbal questions posed by the system. In one embodiment, only numeric information concerning the customer is entered, such as the customer's credit card number, expiry date... etc. This credit card payment information is used to approve/decline via credit bureau database or a third party vendor who specializes in credit card payment processing, which is used ...

Method and system for performing electronic money transactions

TELEPHONE CHARGE MANAGEMENT SYSTEM

A system comprising a portable telephone (1), a telephone card (1') both having a registered identification number of a connection telephone company and a registered user ID, shop processing terminal (30), a POS terminal (40) both installed in a shop and managing the portable telephone and telephone card, and a managing host computer (100) of the telephone company, all being interconnected through communication lines. Dealt-with goods information about the portable telephone are sent to the host computer and stored therein. When a telephone call by the portable telephone is made, the host computer subtracts the telephone charge from the amount of money prepaid for telephone charge according to the goods information. It is possible to pay a telephone charge when a portable telephone or telephone card is used at a shop accepting them.

TELECOMMUNICATIONS INITIATED DATA FULFILMENT SYSTEM

A system for providing a wide range of telecommunications initiated data fulfilment services in which a multi-function code, such as "# (star, pound), input into an originating telecommunications device, such as a conventional land-line or wireless telephone, triggers the treatment of the input sequence as a multi-function code service request rather than a dialed directory number. The multi-function code is followed by an input data string to complete the multi-function code service request, which the user typically enters into the telecommunications device just like a conventional telephone call, except that the input string begins with the multi-function code. The telecommunications system recognizes the multi-function code as a trigger, and in response takes one or more actions, such as automatically terminating the call to an announcement and routing a data message to a data fulfilment centre, which response to the message by implementing a response action indicated by the multi-function ...

A METHOD FOR AUTHORIZATION OF A TRANSACTION WITH THE USE OF A MOBILE PHONE

A method for transaction authorization with the use of a mobile phone, comprising the steps of receiving (102, 202) from the mobile phone user (UR), by the communication server (CS) a voice call establishment request, to establish a voice connection to a telephone number which identifies a transaction; authorize the transaction by verifying (112, 206) the credentials of the user (UR); accepting (106, 214) or rejecting (108, 216) the voice call depending on fact whether the transaction authorisation is to be carried out voice based or USSD based; sending a request (116, 220) to the user (UR) to enter necessary transaction parameters; entering (118, 222) the requested transaction parameters; verifying (120, 224), by the authorization system (AS), the validity of the entered parameter; determining (122, 226) whether the user (UR) has entered all necessary transaction parameters, including user's authorization to fund the transaction and, preferably, a password authorizing the transaction; ...

GHOSTING PAYMENT ACCOUNT DATA IN A MOBILE TELEPHONE PAYMENT TRANSACTION SYSTEM

Techniques are disclosed for a mobile telephone, in conjunction with a payment transaction server, to be used directly as a payment device for a variety of financial transactions. Further, the transaction systems and methods for mobile telephone devices described herein allow a mobile telephone to participate in payment transactions in a manner that helps prevent identify theft and without relying on transferring amounts to/from one stored value account to another.

METHOD OF CREATING A TRANSACTION RELATED RECORD

The invention regards a method of creating a transaction related record and includes communicating (26) selection data to a remote user terminal (24) wherein the selection data provides a user with an option to select payment for the transaction from one of a credit card (30), a telephone, and a bank account (32). The method monitors which particular account type the user selects and receives account data associated with the particular account. Thereafter, account data and an account type identifiers that identifies the account type selected by the user is included in a transaction record (28). The transaction record is then communicating to transaction processing equipment. The invention extends to transaction processing system and to merchant network equipment (2) and transaction processing equipment.

CROSS-FUNDS MANAGEMENT SERVER-BASED PAYMENT SYSTEM, AND METHOD, DEVICE AND SERVER THEREFOR

INTER-VEHICLE WIRELESS PAYMENT METHOD EMPLOYING 5G COMMUNICATION NETWORK, AND SYSTEM FOR SAME

An inter-vehicle wireless payment method employing a 5G communication network. The method comprises the following steps: a requesting vehicle sending a payment request to a base station (S100); the base station searching for vehicle information of a friend vehicle of the requesting vehicle on the basis of the payment request (S200); the base station encrypting request information by means of the vehicle information of the friend vehicle and broadcasting the same (S300, 400); vehicles in a broadcast range of the base station decoding broadcast information by means of vehicle information of said vehicles, and upon successful decoding, the friend vehicle acting as a responding vehicle and acquiring the request information (S500); the responding vehicle generating payment information on the basis of the request information and sending the same to the base station, the base station sending the payment information to a payment platform, and the payment platform returning a payment result to the ...

VIRTUAL PAYMENT SYSTEM AND METHOD FOR DISPENSING FUEL

The present disclosure relates generally to fuel dispensing, and particularly, to fuel dispensing systems configured with serial data control signal wiring, and more particularly to fuel dispensing systems configured with a serial-to-ethernet converter. Specifically envisioned is a retrofit current loop system in a fuel dispensing context to enable secure broadband communication and control of fuel dispensers in which a current-loop-over-ethernet converter is utilized over a network of virtual private networks.

METHOD FOR ORGANIZING THE EXCHANGE OF PRODUCTS AND SERVICES BY MEANS OF A TELECOMMUNICATIONS NETWORK

... ▓▓▓The present invention relates to a method for implementing vending of products ▓and services over a telecommunication network, in which method the service ▓provider (106-110) is offered the possibility with the help of a voice ▓response server (105) of providing goods and/or services to clients (101) ▓using a vending procedure based on a value-added calls. According to the ▓invention, during a single call the client (101) is given the facility of ▓selecting with the help of a voice-message menu (105) a plurality of ▓differently priced services or products that are billed to the client (101) in ▓conjunction with his telephone bill, for instance.▓ ...

SYSTEM AND METHOD FOR CONDUCTING AN ELECTRONIC COMMERCIAL TRANSACTION

A method for conducting an e-commerce transaction between a user and a merchant is disclosed. The user has a customer account with a communication provider operating a first communication network. The customer account includes personal information about the user. The method includes the steps of: a) establishing communication between the user and the communication provider over the first communication network; b) authenticating the user to the communication provider; c) selecting a product from the merchant for the e-commerce transaction; d) retrieving the personal information about the user from the customer account; and e) completing the e-commerce transaction.

AUTOMATED ACCOUNT MAPPING IN A WIRELESS SUBSCRIBER BILLING SYSTEM

Systems and methods for automated account mapping in a wireless subscriber billing system are disclosed. An external ID associated with a wireless client device is captured from a billable event communicated between a wireless client device and a wireless subscriber billing system. Then, the external ID is associated with a Subscriber ID (SID) used to communicate a billing request to an operator billing system.

MAILBOX PAYMENT METHOD AND MAILBOX PAYMENT SYSTEM

Disclosed are a mailbox payment method and a mailbox payment system. The mailbox payment system comprises a paying terminal device, a mailbox payment verification center and a receiving terminal device. The mailbox payment verification center is used for accepting a paying mailbox login verification request submitted by a paying party with regard to one or a plurality of online payment transactions, performing security verification on the paying mailbox login verification request, and sending payment confirmation information to a specified receiving party mailbox when the paying mailbox login verification request passes. The mailbox payment verification center is also used for receiving a receiving mailbox login verification request, performing security verification on the receiving mailbox login verification request, and instructing a relevant bank server related to each payment transaction to complete a subsequent settlement process of the payment transaction when the receiving mailbox ...

CROSS-FUNDS MANAGEMENT SERVER-BASED PAYMENT SYSTEM, AND METHOD, DEVICE AND SERVER THEREFOR

Disclosed are a cross-funds management server-based payment system, and a method, device and server therefor, belonging to the field of e-commerce. The method comprises: a second funds management server receives payment request information sent by a client end; the sum of a credit overdraft limit and a credit loan limit of the client end is compared with a payment amount, and it is determined whether an electronic commitment payment certificate can be opened; if so determined, the second funds management server respectively freezes the credit overdraft limit and the credit loan limit within a client end account, the credit overdraft limit and the credit loan limit corresponding to the payment amount; the electronic commitment payment certificate for the second funds management server to commit to pay funds according to an agreed condition is generated, and the electronic commitment payment certificate is sent to a merchant end to perform a credit commitment payment on behalf of the client ...

TRANSACTION SERVER CONFIGURED TO AUTHORIZE PAYMENT TRANSACTIONS USING MOBILE TELEPHONE DEVICES

Techniques are disclosed for a mobile telephone, in conjunction with a payment transaction server, to be used directly as a payment device for a variety of financial transactions. Further, the transaction systems and methods for mobile telephone devices described herein allow a mobile telephone to participate in payment transactions in a manner that helps prevent identify theft and without relying on transferring amounts to/from one stored value account to another.

FINANCIAL TRANSACTION SYSTEM AND METHOD

There is provided a financial transaction system comprising: a network enabled mobile device having associated therewith an identifier; a system operator comprising a first customer database containing customer information associated with said identifier; a first financial institution comprising a second customer database containing customer information relating customer financial account information in association with said identifier; wherein the system operator is configured to receive a request for a financial transaction from said device, said request including said identifier, to automatically authenticating said device through the identifier stored in the first database, and, if authenticated, to send a request for the financial transaction to said first financial institution, said request including said identifier, and wherein the first financial institution is configured to receive said request from the system operator, to use said identifier to retrieve from said second database ...

SYSTEM AND METHOD FOR TRANSACTION PAYMENTS USING A MOBILE DEVICE

A system and method for performing a financial transaction may include processing a purchase transaction for products for purchase by a customer to determine a transaction amount. A communication with a mobile device of the customer may include communicating a store identifier, POS identifier, and the transaction amount. In response to receiving an approval number for the purchase transaction from a financial institution of the customer, completing the purchase transaction for the purchase of the products by the customer.

METHOD AND SYSTEM FOR PERFORMING ELECTRONIC MONEY TRANSACTIONS

The present invention relates to electronic monetary systems in general, and in particular to measures for making their use easier for an average user. The present invention is based on the idea that the use of electronic money is greatly simplified for a non-expert user, if the Internet Service Provider of the user takes care of the payment s, and adds corresponding charges on the user's telephone bill. Such functionality inquires the intervention of the ISP in the transmissions between a user and a third party, i.e. intercepting the electronic payment requests sent by a merchant. According to the present invention, the ISP uses electronic money on behalf of the user, and charges the payments on the user's telephone bill. The ISP can take care of all technical details necessary for obtaining different forms of electronic money in a centralized manner, and all users of the ISP can use the electron ic money obtained by the ISP simply by allowing the ISP to add corresponding charges to their ...

SYSTEM FOR CREDIT CARDS AND METHOD OF

БЕЗОПАСНЫЙ ПЛАТЕЖ И СПОСОБ ВЫСТАВЛЕНИЯ СЧЕТА С ИСПОЛЬЗОВАНИЕМ НОМЕРА МОБИЛЬНОГО ТЕЛЕФОНА ИЛИ АБОНЕНТСКОГО ЛИЦЕВОГО СЧЕТА

Система, способ и компьютерное программное обеспечение для осуществления платежей за товары или услуги включают платежную систему, которая получает платежное требование от оптового торговца за товары или услуги. Платежное требование содержит номер мобильного телефона или абонентский лицевой счет пользователя. Платежная система отправляет текстовое сообщение с запросом о разрешении на проведение платежа на мобильный телефон, запрашивая разрешение платежа, и получает текстовое сообщение с полномочиями производить платеж от мобильного телефона, разрешающее или не разрешающее производить платеж. Если платеж разрешен, то платежная система платит оптовому торговцу и взимает плату с абонентского лицевого счета за платеж. Если платеж не разрешен или если платеж не получают в течение заранее установленного периода времени, платежная система отклоняет оплату оптовому торговцу за товары или услуги.

СПОСОБ И СИСТЕМА ОБРАБОТКИ КРЕДИТОВ ДЛЯ ИСПОЛЬЗОВАНИЯ ИХ АБОНЕНТАМИ КОММУНИКАЦИОННОЙ СЕТИ

Предложен способ обработки кредитов для использования их абонентами коммуникационной сети (временного и безвременного предоставления бесплатного эфирного времени, а также возможности использования услуг сети), абонентами мобильной и иной связи, в том числе и ip-телефония с последующим погашением кредита при пополнении баланса, либо при оплате услуг связи иным способом. Техническим результатом является использование большим количеством абонентов коммуникационной сети возможности получения кредита при отправке условного запроса формируемого клиентом (или по поручению клиента) для получения кредита. Запрос вводят посредством устройства электронной связи (Б; т.ч. мобильным телефоном, АТМ, компьютером и/или любым другим терминалом, позволяющим проделать операцию отсылки условного запроса) и передают по меньшей мере на один сервер системы обработки данных для совершения и осуществления транзакции, после чего уведомляют клиента об транзакции.

SYSTEM, METHOD AND COMPUTER PROGRAM ARRANGED TO FACILITATE A TRANSACTION

SAFE PAYMENT AND METHOD FOR BILLING USING MOBILE PHONE NUMBER OR SUBSCRIBER FACE COUNTING

Система заправки транспортного средства

Полезная модель относится к автозаправочным станциям.Известна автозаправочная станция, описанная в патенте на изобретение RU 2515003, МПК B60S 5/02, 2012. Недостатком данной автозаправочной станции является невозможность по беспроводной связи, в том числе через сеть интернет, в каждой точке территории заправочной станции в интерактивном режиме самостоятельно покупателями с помощью своих устройств мобильной связи без предварительной регистрации и предварительного заключения договора совершить электронный выбор номера заправочной колонки с заправочным пистолетом и типа товара для заправки транспортного средства данной заправочной станции с указанием суммы, объема заправки и электронную оплату товара для заправки транспортного средства с последующей заправкой транспортного средства.Техническим результатом полезной модели является возможность по беспроводной связи, в том числе через сеть интернет, в каждой точке территории заправочной станции в интерактивном режиме самостоятельно покупателями с помощью своих устройств мобильной связи без предварительной регистрации и предварительного заключения договора совершить электронный выбор номера заправочной колонки с заправочным пистолетом и типа товара для заправки транспортного средства данной заправочной станции с указанием суммы, объема заправки и электронную оплату товара для заправки транспортного средства с последующей заправкой транспортного средства, удобство заправки транспортного средства, не выходя из транспортного средства, снижение очередей на автозаправочной станции, сокращение времени заправки транспортного средства.Указанный технический результат достигается тем, что система заправки транспортного средства, включающая расположенный на территории заправочной станции сервер заправочной станции, соединенный с контроллером заправочной колонки и обеспечивающий заправку транспортного средства, отличающаяся тем, что обеспечивается, в том числе с помощью программного обеспечения сервера заправочной станции, в каждой ...

Wallet Consolidator to Facilitate a Transaction

A wallet consolidator to warehouse information pertaining to at least one card and to retrieve the warehoused information to facilitate a transaction is provided. An embodiment of a Wallet consolidator can include a housing, one or more input devices positioned to receive information, and a memory device positioned to store at least a portion of the information received by the one or more input devices. The wallet consolidator can also include a radio frequency wireless communication interface associated with the housing and adapted to communicate with a point-of-sale terminal thereby to provide at least a portion of the Information stored in the memory device to the point-of-sale terminal, a display screen, and a controller positioned within the housing in communication with and to control each of the one or more input devices, the memory device, the radio frequency wireless communication interface, and the display screen.

Systems and Methods to Identify Carrier Information for Transmission of Premium Messages

In one aspect, a system includes an interchange with a data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the common format processor in a common format and to communicate with the controllers in different formats. The interchange is to receive a request identifying a phone number, a payment amount and a payee, and in response, use a pinging message to determine telecommunication carrier information of the phone number, select a converter, determine a set of premium messages in accordance with the telecommunication carrier information, and use the selected converter to transmit the set of premium messages to the phone number to collect funds to pay the payee on behalf of a user of the mobile phone.

Internet billing method

A system that incorporates teachings of the present disclosure may include, for example, identifying a consumer account managed by a service provider to which purchases are chargeable, the identification of the account based on transactional information, enabling customer equipment to request a purchase of an electronically-purchasable item of a vendor via network equipment of the service provider, wherein the vendor is a party other than the service provider, charging the consumer account a fee for a purchase initiated by the customer equipment, and remitting a portion of the fee to an account of the vendor. Other embodiments are disclosed.

Method and system for payment of charges associated with charging an electric vehicle

Embodiments of the invention described herein use micropayments to make the payment for electrical consumption used to charge an EV. In one aspect, a mobile device such as a cellular telephone (“cell phone”) is used to make the payments. In one aspect, a method of payment for charges associated with charging an electric vehicle is described. This embodiment of a method comprises receiving electrical consumption information related to charging an electric vehicle at a charging station. The electrical consumption information is associated with a mobile device number. The electrical consumption information is authenticated. The cost for the authenticated electrical consumption information is included on an invoice for mobile device usage associated with the mobile device number.

Transaction processing system and method

A method of processing a transaction between a first user in a first telecommunications network and a second user in a second telecommunications network is disclosed. The first and second telecommunications networks comprise respective first and second transaction processing systems which are not required to have a direct interface between them. A transaction request is received from a first user in the first telecommunications network to effect a transfer of credit to a second user in the second telecommunications network. The transaction request includes an identifier of the second user. A credit value for the transaction is determined. The system verifies that the first user has access to credit sufficient to effect the transfer, and credit associated with the first user is reserved in the first network for the transaction. A transaction instruction message (including the determined value for the transaction) is generated to instruct transfer of credit to the second user, and is forwarded to a trusted third party intermediary server, which interfaces to a plurality of telecommunications networks to arrange transactions between the telecommunications networks. After a confirmation message is received confirming delivery of the credit to the second user, the reserved credit is then debited from an account associated with the first user in the first telecommunications network. An accounting packet associated with at least one transaction and the accounting packet or an aggregated accounting packet for a plurality of transactions is forwarded to an accounting server associated with the intermediary server. This effects transfer of monetary value between an account associated with the first telecommunications network and an account associated with the trusted third party intermediary server.

System and method for facilitating account-based transactions

Systems, methods and apparatus are presented for facilitating account-based transactions. In an embodiment, the method includes associating a first person with an account, associating a second person with the account, receiving a request from a third party to authorize a transaction between the second person and the third party, determining a first communication address of the first party, and contacting the first party. The process also includes determining that the first person desires to communicate with the second person, determining a second communication address of the second person, initiating a communication between the first person and the second person, and receiving a signal from the first person that authorizes the transaction or declines the transaction.

Systems and Methods to Detect Fraudulent Payment Requests

Systems and methods are provided to facilitate fraud detection in payments made via mobile communications. In one aspect, a system includes a data storage facility configured to store payment transaction records associated with phone numbers; and an interchange that includes a common format processor and a plurality of converters configured to interface with a plurality of controllers of mobile communications in transmitting premium messages to the phone numbers to collect funds for making payments on behalf of users of the phone numbers. The system includes a fraud detection engine configured to use the payment transaction records to detect a potentially fraudulent activity in payments requested via a phone number and configured to communicate with a server of a telecommunication carrier of the phone number to further process the activity based on an indication of abnormality in the telecommunication usage pattern of a mobile phone at the phone number.

Systems and methods for location-based marketing for attraction access

The present invention is directed towards systems and methods for enhanced marketing responsive to customer path data between attractions. A first device receives an identification of a location of a user and a first attraction selected for access by a user. A path analyzer of the device determines a travel path between the location of the user and the first attraction. The path analyzer identifies a second attraction within a predetermined distance from the travel path. The first device transmits, to a computing device of the user, an offer of access to the second attraction.

Internet billing method

The present disclosure may include, for example, a method for facilitating establishment of a remitting agreement between equipment used by a vendor and equipment used by a provider, enabling, by way of the equipment used by the provider, the equipment used by the vendor to communicate with equipment used by a customer permitting the customer to purchase a product or service of the vendor, and initiating between the equipment used by the provider and the equipment used by the vendor a remittance from an account associated with the vendor of a portion of a transaction amount associated with a purchase transaction made by the equipment used by the customer. Additional embodiments are disclosed.

Single tap using a user selected card

The invention describes how a consumer can hold their NFC enabled device in proximity to an NFC enabled point-of-sale terminal and with a single “wave” or “tap” to automatically redeem coupons, pay for a purchase using a default payment card or a selected card, view receipts view reward point balances, and receive relevant coupons and other digital artifacts both before and after the purchase. The NFC enabled device includes a secure element with a payment application, payment credentials, and other digital artifacts such as coupons. The secure element can be internal to the mobile device, externally affixed to the mobile device, or inserted into a slot within the body of the mobile device.

Single tap transactions using a mobile application

The invention describes how a consumer can hold their NFC enabled device in proximity to an NFC enabled point-of-sale terminal and with a single “wave” or “tap” to automatically redeem coupons, pay for a purchase using a default payment card or a selected card, view receipts view reward point balances, and receive relevant coupons and other digital artifacts both before and after the purchase. The NFC enabled device includes a secure element with a payment application, payment credentials, and other digital artifacts such as coupons. The secure element can be internal to the mobile device, externally affixed to the mobile device, or inserted into a slot within the body of the mobile device.

Utilizing shopping lists for nfc transactions

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Online shopping using a cloud-based mobile wallet

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Online shopping using a mobile payment system

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

In store mobile payment using a default payment method

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Processing payments at a management server with a user selected payment method

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Remote transaction processing using authentication information

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

REMOTE TRANSACTION PROCESSING USING A DEFAULT PAYMENT METHOD

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization. 1. A method , comprising:maintaining payment account information by using a payment application in a mobile device memory included in a mobile device, wherein the payment application is a mobile operating system platform based mobile application preinstalled or downloaded and installed on the mobile device, the mobile device comprising a mobile device display, a mobile device processor, a mobile device radio interface, and a mobile device wireless fidelity (Wi-Fi) interface;receiving input at the payment application running on the mobile device from a user to purchase an item selected at the mobile device, wherein the payment application displays a digital artifact based on targeting parameters at a specific page identifier (ID), the page ID corresponding to a specific screen, scene, or real estate property;wirelessly transmitting a transaction confirmation to the management server, the management server configured to process a transaction using a default payment method; andreceiving response information at the mobile device from the management server.2. The method of claim 1 , wherein a data exchange between the payment application and the management server has occurred claim 1 , wherein the management ...

SYSTEMS AND METHODS FOR EXTENDING AN EXISTING NETWORK

A computer-implemented method for extending a payment network via a rapidly deployable telecommunications (RDT) network is provided. The method is implemented using a computer device coupled to a memory device. The method includes pre-assembling a network kit including a plurality of networking components for deploying at least a portion of an RDT network, determining a storage location for the network kit, determining a stock count of network kits, storing a number of network kits in the storage location equal to the stock count, and processing a request for one of the network kits stored within the storage location. 1. A computer-implemented method for extending a payment network via a rapidly deployable telecommunications (RDT) network , the method implemented using a computer device coupled to a memory device , the method comprising:pre-assembling a network kit including a plurality of networking components for deploying at least a portion of an RDT network;determining, using the computer device, a storage location for the network kit;determining, using the computer device, a stock count of network kits;storing a number of network kits in the storage location equal to the stock count; andprocessing, using the computer device, a request for one of the network kits stored within the storage location.2. A computer-implemented method in accordance with claim 1 , further comprising:receiving, at the computer device, a request for at least one of the network kits prior to processing the request, wherein the request includes customer information that identifies the customer receiving the at least one network kit, and wherein the customer is a customer of the payment network and includes at least one of an acquirer bank and an issuer bank.3. A computer-implemented method in accordance with claim 2 , wherein customer information further comprises customer contact data claim 2 , and site data including data required to obtain a satellite license and install the RDT ...

Electronic settlement method, system, server, and program thereof

A secure electronic settlement by an easy operation is enabled even with any terminal device and any network in any country. Balance information of a user, predetermined voice information that can identify a user, an arbitrary keyword, and a voiceprint are stored in advance in a database of a server in association with a telephone number of the user, and when a remitter user carries out remittance to a recipient user, the server sends out voice guidance including predetermined voice information registered in the database corresponding to the telephone number of a recipient terminal sent from the recipient terminal requesting the remittance or a telephone number of the recipient terminal inputted by the remitter carrying out the remittance to the recipient using a voice response function to a remitter terminal, thereby enabling intuitive confirmation of a recipient by a remitter.

System and method for conducting financial transactions using a mobile device

A Subscriber Identity Module (SIM) Chip Bank system and method for enabling users registered in the system to control their financial and telecommunications resources from their mobile device over a mobile communications network. The system combines mobile network providers and financial services through the use of SIM chips without the need for modifying the users' mobile devices or SIM chip installed thereon. A SIM Chip Bank System Operator (SCB-O) regulates data flow between users, banks, mobile communications service providers, SIM Chip Automated teller Machines and SIM Chip Service Providing Machines through a plurality of communications channels. Upon a user connecting to the SCB-O to request a transaction, the SCB-O connects to the appropriate bank to authorize the requested transaction. Upon successful completion, reports are sent back and forth to users confirming the event.

Method and system for identity and know your customer verification through credit card transactions in combination with internet based social data

A method and system for verifying an identity of a card holder associated with a payment card using a payment device comprising a card reader and a mobile device. The method comprising the steps of initiating verification of identity of the card holder by inserting the payment card in the card reader of the payment device, reading card information from the payment card communicating the card information from the mobile device to a payment server, comparing received card information with stored card information in the payment server and accessing at least one web service. The account activity is analysed in the at least one web service and in that way verifying that the identity of the card holder is the same as the identity associated with the payment card, based on the analysis of information from the at least one web service and from the comparison of card information with stored card information. Terminating the verification process by communicating the result of the verification process from the payment server to the payment device.

Mobile Savings Account

System and method of operating a savings account 20 within a mobile telephone based money transfer system. Receiving separate payments across the mobile telephone based money transfer system from a plurality of contributors. Crediting the received separate payments to the savings account 20.

VOICE CALL PAYMENT SYSTEMS AND METHODS

Exemplary voice call payment systems and methods provide parties to a voice call with features for sharing sensitive information over an active voice connection supporting the voice call. An exemplary method includes a voice call payment system detecting, during a voice call between a user of a user device and a representative of a merchant over an active voice connection between the user device and a merchant device of the merchant, a request by the user to submit inaudible payment information to the merchant over the active voice connection as payment in a transaction between the user and the merchant, directing, in response to the request, the user device to acquire the inaudible payment information, and directing, in response to the request, the user device to transmit the inaudible payment information to the merchant device over the active voice connection. 1. A method comprising:directing, by a voice call payment system and during a voice call between a user of a user device and a representative of a merchant over an active voice connection between the user device and a merchant device of the merchant, the user device to display, on a display screen of the user device during the voice call, a user-selectable payment option in a graphical user interface view, the graphical user interface view comprising a menu of voice call management options displayed together with the user-selectable payment option during the voice call;detecting, by the voice call payment system and during the voice call, a request by the user to submit inaudible payment information to the merchant over the active voice connection as payment in a transaction between the user and the merchant;directing, by the voice call payment system and in response to the request, the user device to acquire the inaudible payment information; anddirecting, by the voice call payment system and in response to the request, the user device to transmit the inaudible payment information to the merchant device ...

PHONE-ON-FILE AT A BILLING SERVER

A phone-on-file opt-in method is described. A phone-on-file opt-in request is received at the billing server including a msisdn and a merchant supplied unique consumer identifier. The billing server confirms the phone-on-file opt-in with a consumer device and records a phone-on-file opt-in status as active if the first phone-on-file is confirmed. A charge method includes receiving, at the billing server, a charge API call from a merchant server including at least one identifier and an amount, determining a phone-on-file opt-in status corresponding to the identifier at the billing server and transmitting a request to charge a user account to a carrier server if the phone-on-file opt-in status is active, but not if the phone-on-file opt-in status is inactive, the request including an amount corresponding to the amount received in the charge API call. 1. A method of managing transactions with a billing server comprising:receiving a first phone-on-file opt-in request at the billing server including a msisdn;confirming, with the billing server, the first phone-on-file opt-in with a consumer device;recording, with the billing server, a phone-on-file opt-in status as active if the first phone-on-file is confirmed;receiving, at the billing server, a charge API call from a merchant server at the billing server, including at least one identifier and an amount;determining a phone-on-file opt-in status corresponding to the identifier at the billing server; andtransmitting a request to charge a user account to a carrier server if the phone-on-file opt-in status is active, without transmitting a text message with a PIN code to a consumer mobile device, the request including an amount corresponding to the amount received in the charge call.2. The method of claim 1 , wherein the confirmation and recording includes:generating, with the billing server, a PIN code;transmitting, with the billing server, a text message to a consumer mobile phone at the msisdn with the PIN code;receiving ...

PHONE-ON-FILE OPT-IN AT A MERCHANT SERVER

A phone-on-file opt-in method is described. A phone-on-file opt-in request is received at the billing server including a msisdn and a merchant supplied unique consumer identifier. The billing server confirms the phone-on-file opt-in with a consumer device and records a phone-on-file opt-in status as active if the first phone-on-file is confirmed. A charge method includes receiving, at the billing server, a charge API call from a merchant server including at least one identifier and an amount, determining a phone-on-file opt-in status corresponding to the identifier at the billing server and transmitting a request to charge a user account to a carrier server if the phone-on-file opt-in status is active, but not if the phone-on-file opt-in status is inactive, the request including an amount corresponding to the amount received in the charge API call. 1. A method of managing transactions with a merchant server comprising:receiving a msisdn from a consumer device at the merchant server;transmitting a first phone-on-file opt-in request from the merchant server to a billing server, including the msisdn;receiving a PIN code from the consumer device;transmitting a second phone-on-file opt-in request from the merchant server to the billing server, including the PIN code; andreceiving a response from the billing server at the merchant server indicating whether the PIN code is verified or invalid; and transmitting a charge API call from the merchant server to the billing server if the PIN code is verified but not if the PIN code is invalid, the charge API call including an amount and an identifier for the billing server to determine a phone-on-file opt-in status corresponding to the identifier; and', 'receiving a chargeresult callback notification from the billing server at the merchant server indicating whether a user account at a carrier server has been charged by the billing server; and, 'if the opt-in status is verified transmitting, with the merchant server, a call to the ...

TIME-BASED NANO-TRANSACTION SYSTEM FOR REDUCING UNSOLICITED COMMUNICATIONS

A telecommunications system for selectively connecting originator nodes to recipient nodes includes an account database with one or more accounts each associated with corresponding ones of the originator nodes and the recipient nodes. There is a contacts database with recipient contact lists each associated with a specific one of the accounts of the recipient nodes. A transaction processor is receptive to an incoming telecommunications initiation request, which includes a recipient node identifier and a nano-transaction payment submission defined at least by a payment amount. The transaction processor responsively directs the establishment of the telecommunications link between the one of the originator nodes and the one of the recipient nodes upon receipt of the telecommunications initiation request. The nano-transaction payment submission is settled based at least in part upon an active duration of the telecommunications link. 120-. (canceled)21. A method for connecting an originator node to a recipient node over a telecommunications link , the method comprising:receiving an incoming telecommunications initiation request including a recipient node identifier and a refundable nano-transaction payment submission;directing the establishment of the telecommunications link from the originator node to the recipient node based upon an inclusion of the originator node in a recipient opt-in list; andevaluating a legitimacy or illegitimacy of the telecommunications initiation request as a payment condition;settling the refundable nano-transaction payment submission based at least in part upon the payment condition being determined without additional user intervention on either the originator node or the recipient node.22. The method of claim 21 , wherein the payment condition is a duration of the telecommunications link.23. The method of claim 22 , wherein the legitimacy of the telecommunications initiation request is based at least in part upon the duration of the ...

Device and Process for Purchasing Electronic Content Using Multimedia Messaging Service Messaging

Using multimedia messaging service (“MMS”) messaging to facilitate a transaction for purchasing electronic content on a wireless device is disclosed. Initially, an indication that a user of the wireless device has selected to purchase the electronic content from among a plurality of electronic content available for purchase is received from a wireless device over a wireless network. An MMS message including payment information for the purchase of the selected electronic content is then received from the wireless device. The purchase of the selected electronic content is authorized based on the payment information included in the MMS message and the wireless device is then enabled to download the selected electronic content in response to the authorization of the purchase of the selected electronic content.

Operations method for providing wireless communication services

The present invention is directed to an improved operations method for a wireless communication system. The improved business method, operations method, network and system of the present invention includes the steps of delivering cellular services to the mass market, reducing peak capacity, increasing overall capacity utilization, improving capital utilization, providing an “all-you-can-eat” pricing model, and designing capacity based upon where the users live, work, and play.

INTEROPERABLE FINANCIAL TRANSACTIONS VIA MOBILE DEVICES

A method and system provide interoperable electronic financial services using mobile communications devices and without the need for traditional banking systems like plastic cards, POS machines, branches and ATMs. A consumer can deposit and/or withdraw money from his account using his mobile device and with the help of a local agent without ever stepping inside a branch of a bank where the consumer has an account. The system uses the consumers ID and his mobile number to generate a PAN for the consumer, which is then used to route the transactions. The system uses indicators in the transaction to identify transaction purpose and thus enable appropriate interchange, clearing and settlement between participating entities. The system provides real-time feedback on the transactions and reduces costs by enabling an agent to service consumers of multiple banks and payment service providers. 1. A method comprising:receiving, at a first server computer associated with a first entity, a set of data elements to transfer funds from the first entity operating a mobile communication device to a second entity from a communication via a communications network, wherein the set of data elements comprises a mobile communications device identifier used by the second entity or a second entity identifier, and an amount associated with the funds to be transferred;generating, by the first server computer, a transaction request message, wherein the transaction request message comprises a transaction type indicator, the amount, and the mobile communication device identifier;transmitting the transaction request message to a second server computer associated with the second entity, via a payment processing network; andreceiving, a transaction response message from the second server computer via the payment processing network, wherein the transaction response message indicates whether or not the transfer of funds is approved.2. The method of claim 1 , wherein the payment processing network is ...

Money Lending Via A Mobile Device

This disclosure provides a method that allows a person to request money be deposited into his or her account via a request from a mobile device. The method includes receiving a monetary request associated with a person, wherein the monetary request includes a specified amount of money. Additionally, the method includes debiting a first account associated with the customer. Further, the method includes crediting a second account associated with the customer. And in response to the crediting, the method includes transmitting a confirmation. In some embodiments, debiting the first account associated with the customer includes transmitting a premium message to a wireless device associated with the customer. Additional embodiments include debiting the first account associated with the customer by transmitting a debit request to a third-party.

DECENTRALIZED CLOUD-BASED AUTHENTICATION FOR VEHICLES AND ASSOCIATED TRANSACTIONS

Systems, methods, and computer-readable media are disclosed for decentralized authentication for autonomous vehicles and associated transactions. Example system includes a secure distributed network of servers including a biometrics server configured to authenticate a user using biometric data and generate a biometrics server authentication token when the user is authenticated, a transactional server configured to perform the transaction for the user upon receiving the biometrics server authentication token, the transactional server being further configured to generate a transactional server authentication token when the transaction is approved, and a mobility service server configured to receive both the biometrics server authentication token and the transactional server authentication token and provide access to the mobility service. 1. A system , comprising: a biometrics server configured to authenticate a user using biometric data and an authentication identifier for the user, and generate a biometrics server authentication token when the user is authenticated, the user being authenticated when a mobility service is requested by the user;', 'a transactional server configured to perform a transaction upon receiving the biometrics server authentication token and the authentication identifier, the transactional server being further configured to generate a transactional server authentication token when the transaction is approved, the transaction allowing the user to access the mobility service; and', 'a mobility service server configured to receive the biometrics server authentication token, the transactional server authentication token, and the authentication identifier and provide access to the mobility service., 'a secure distributed network of servers comprising2. The system according to claim 1 , wherein the biometric data is obtained from a user device wirelessly connected to an autonomous vehicle.3. The system according to claim 2 , wherein the mobility ...

Single tap transactions using a server with authentication

The invention describes how a consumer can hold their NFC enabled device in proximity to an NFC enabled point-of-sale terminal and with a single “wave” or “tap” to automatically redeem coupons, pay for a purchase using a default payment card or a selected card, view receipts view reward point balances, and receive relevant coupons and other digital artifacts both before and after the purchase. The NFC enabled device includes a secure element with a payment application, payment credentials, and other digital artifacts such as coupons. The secure element can be internal to the mobile device, externally affixed to the mobile device, or inserted into a slot within the body of the mobile device.

SYSTEM AND METHOD FOR MAKING PAYMENT WITHIN A DIGITAL MESSAGING ENVIRONMENT

There is provided a system and method for making payment within a digital messaging environment. The payment can be made without exiting from the digital messaging environment, and can be activated by typing pre-defined text in the digital messaging environment. 1. A system for making payment within a digital messaging environment , the system including one or more electronic processing devices that:access, at the user device, a digital messaging environment for communication with a merchant device;assess, at the digital messaging environment, messaging content input by the user device and the merchant device;locate, at the digital messaging environment, predetermined text for purchasing at least one good/service;authenticate, at the user device, a user of the user device;transmit, from a digital wallet server to the user device, a positive authentication result for the user;transmit, from the digital wallet server to a payment system, a payment quantum for purchasing the at least one good/service;transmit, from the digital wallet server to the payment system, a payment amounting to the payment quantum; andreceive, at the user device from the payment system, an indication that the payment for the at least one good/service has been carried out.2. The system of claim 1 , further including one or more electronic processing devices that input claim 1 , at the user device claim 1 , a profile ID of a digital wallet.3. The system of claim 1 , wherein assessing the messaging content includes parsing the messaging content claim 1 , wherein the predetermined text is associated with a unique identifier claim 1 , the unique identifier being configured to activate a payment process when an associated predetermined text is identified claim 1 , wherein the authentication is carried out via a digital wallet interface claim 1 , wherein the payment quantum is less than a predetermined amount claim 1 , and wherein a record of the payment is stored external to the user device.4. An ...

MOBILE TERMINAL AND DATA BACKUP AND RESTORATION METHOD THEREOF

A mobile terminal for performing backup and restoration of data according to an embodiment of the present invention includes a wireless communication unit configured to connect to another mobile terminal, a display unit, a memory configured to store a backup application for performing the backup and restoration of the data, and a controller configured to make a request to perform near field communication (NFC) tagging with the other mobile terminal in order to receive a backup file including the data from the other mobile terminal, configured to connect to the other mobile terminal through the wireless communication unit on the basis of the NFC tagging, and configured to restore the data included in the backup data received from the other mobile terminal. 1. A mobile terminal for performing backup and restoration of data , the mobile terminal comprising:a wireless communication unit configured to connect to another mobile terminal;a display unit;a memory configured to store a backup application for performing the backup and restoration of the data; anda controller configured to make a request to perform near field communication (NFC) tagging with the other mobile terminal in order to receive a backup file including the data from the other mobile terminal, configured to connect to the other mobile terminal through the wireless communication unit on the basis of the NFC tagging, and configured to restore the data included in the backup data received from the other mobile terminal.2. The mobile terminal of claim 1 ,wherein the controller checks whether the mobile terminal is in an initial state and whether the backup file is present in the mobile terminal in response to an execution request for the backup application,wherein the controller makes a request for the NFC tagging with the other mobile terminal when the mobile terminal is in the initial state and the backup file is not present, andwherein the initial state is a state which corresponds to a reference time ...

Mobile phone takeover protection system and method

A method and a system are provided within a wireless network, for preventing fraudulent use of a Mobile Subscriber Integrated Services Digital Network Number (MSISDN) of a mobile phone terminal user. The IMSI and/or ICCID is associated with a respective Mobile Subscriber Integrated Services Digital Network Number (MSISDN) for the mobile phone terminal, and the associated IMSI and/or ICCID and MSISDN are stored. Upon receipt of a network request from a secure resource being accessed by the mobile phone user, the MSISDN is presented to the system. A Mobile Application Part (MAP) Send Routing Information (SRI) (or similar appropriate MAP query which can obtain the IMSI and/or ICCID) request to the wireless network is constructed for the extracted MSISDN, whereby the IMSI and/or ICCID currently associated with the MSISDN in the wireless network is obtained in reply to the SRI request. The obtained IMSI and/or ICCID is compared with the stored IMSI and/or ICCID for the extracted MSISDN and, if the obtained IMSI and/or ICCID matches the stored IMSI and/or ICCID for the extracted MSISDN, the mobile phone users network request is validated.

METHOD AND SYSTEM FOR MOBILE BANKING USING A NON-BROWSER BASED APPLICATION

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization. 1. A method for processing a mobile banking transaction using a mobile device , comprising:receiving, at a non-browser based application information related to a userID and information related to a password, wherein the non-browser based application is a mobile operating system platform based mobile application with a graphical user interface that is preinstalled or downloaded and installed on the mobile device, wherein the graphical user interface includes a graphical icon, the mobile device including a mobile device display, a mobile device processor, a mobile device memory, a mobile device radio transceiver that supports voice and data interactions through a first communication channel, and a mobile device wireless fidelity (Wi-Fi) transceiver;transmitting, from the non-browser based application the information related to the userID and the information related to the password to a remote management server;receiving, at the mobile device, information authenticating the user associated with the userID and the information related to the password from the remote management server;after user authentication, receiving, at the non-browser based application, a request for a mobile banking transaction, wherein ...

METHOD AND SYSTEM FOR REMOTE TRANSACTION PROCESSING USING A NON-BROWSER BASED APPLICATION

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization. 1. A method for processing a remote transaction received from a non-browser based application comprising:receiving, at the non-browser based application, information related to an identification code associated with a user and information related to a password, wherein the non-browser based application is a mobile operating system platform based mobile application with a graphical user interface that is preinstalled or downloaded and installed on a mobile device, wherein the graphical user interface includes a graphical icon, the mobile device including a mobile device display, a mobile device processor, a mobile device memory, a mobile device radio transceiver that supports voice and data interactions through a first communication channel, and a mobile device wireless fidelity (Wi-Fi) transceiver;transmitting, from the non-browser based application, the information related to the identification code associated with the user and the information related to the password to a remote management server;receiving, at the mobile device, information authenticating the user associated with the information related to the identification code associated with the user and the information related to the password from ...

Method and system for purchasing a product using a non-browser based application

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Systems and methods for estimating authenticity of local network of device initiating remote transaction

A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method for providing network security. The system may receive customer credentials in association with an attempted transaction initiated by a user device that is connected to a local network. The system may receive network identification data associated with the local network and generate a network confidence score based on the network identification data and a historical local network footprint. The system may determine a security action based on the network confidence score.

PAYMENT COLLECTION CONTROL METHOD AND DEVICE, SERVER, AND COMPUTER-READABLE STORAGE MEDIUM

A method performed by one or more computers includes obtaining a collection order initiated by a user; determining a quantity of payers for the collection order; determining whether the user selects to invoke a one-click friends list, and if so, generating, a one-click friends list corresponding to the quantity of payers, wherein the one-click friends list is determined by collecting and analyzing cumulative behavioral data of the user based on historical collection orders of the user within a predetermined time period; and receiving user input from the user to determine that the one-click friends list matches an actual friends list for the collection order, and in response, initiating collection corresponding to the collection order. 1. A method performed by one or more computers , the method comprising:obtaining a collection order initiated by a user;determining a quantity of payers for the collection order;determining whether the user selects to invoke a one-click friends list, and if so, generating, a one-click friends list corresponding to the quantity of payers, wherein the one-click friends list is determined by collecting and analyzing cumulative behavioral data of the user based on historical collection orders of the user within a predetermined time period; andreceiving user input from the user to determine that the one-click friends list matches an actual friends list for the collection order, and in response, initiating collection corresponding to the collection order.2. The method of claim 1 , further comprising:determining that the one-click friends list does not match an actual friends list for the collection order; and 'adjusting the one-click friends list and then initiating the collection.', 'in response to determining that the one-click friends list does not match the actual friends list for the collection order,'}3. The method of claim 2 , further comprising:displaying an optimized address book to the user when the user does not select to invoke ...

METHOD FOR PERFORMING TRANSACTIONAL COMMUNICATION USING A UNIVERSAL TRANSACTION ACCOUNT IDENTIFIER ASSIGNED TO A CUSTOMER

A method for sending a transactional message assigns a universal transactional account (UTA) identifier to a customer, associates the assigned UTA identifier with a customer account corresponding to the customer, assigns an account network address corresponding to a service provider, stores, in a routing database, the UTA identifier in association with the account network address, creates, using a second terminal including a processor, the transactional message comprising the UTA identifier and a value, and sends the transactional message to the service provider, the sending the transactional message to the service provider including using the routing database to look up the account network address corresponding to the UTA identifier and transmitting the transactional message to the account network address. 1. A transactional communication method using transactional messages delivered over a communication network (CN) , wherein the CN comprises a routing database; the routing database comprising at least a first field storing a first universal transactional account (UTA) identifier and a second field storing a second UTA identifier; the routing database providing resolution services by receiving from a remote terminal a query containing the first UTA identifier and retrieving the second UTA identifier from the second field corresponding to the received first UTA identifier wherein the retrieved second UTA identifier is further used to locate a connection endpoint; the CN implementing a messaging protocol or request-response session messaging protocol (MP) wherein MP messages are created using MP messaging syntax rules; wherein transactional messages are delivered to a service provider or processing center authorized by the service provider (SP) managing customer accounts and processing the transactional messages while providing services to a customer , the method comprising:creating, using at least one of one or more hardware processors, UTA identifiers, each of the ...

MONEY TRANSFER IN A FORUM USING A PAYMENT PROXY

In some examples, a system generates an identifier for association with a user financial account. The identifier may have a syntax including a currency indicator and a string including one or more characters concatenated together such that the currency indicator appears immediately before the string. The system generates a user-defined identifier and maps, in a database, the user-defined identifier to the user financial account. The system receives a message indicating an intent to transfer funds from a sending user to a receiving user. The message may include the user-defined identifier in lieu of account information of the user financial account, to identify the user as the receiving user. The system parses the message to identify the user-defined identifier and accesses the account information of the user financial account using the identifier. The system initiates a transfer of funds from the sending user account to the user financial account. 1. A method comprising: a currency indicator that corresponds to a particular currency of a plurality of currencies; and', 'a string of one or more characters comprising at least one letter, wherein the currency indicator and the string are concatenated such that the currency indicator appears immediately before the string;, 'receiving, by a payment service system and from an application executing on a mobile device of a user, a request to generate an identifier for association with a financial account of the user, wherein the identifier has a syntax comprisinggenerating, by the payment service system and based at least in part on receiving the request, a user-defined identifier;mapping, by the payment service system and in a database associated with the payment service system, the user-defined identifier to the financial account of the user, wherein the financial account is associated with financial account information;receiving, by the payment service system, a message indicating an intent to transfer funds from a ...

SYSTEM FOR FACILITATING REAL-TIME TRANSACTIONS

A system for facilitating real-time transactions of data representing monetary value between clients in a computer network comprises at least one first client and a transaction server computer system, the first client being associated with a set of data representing a balance of monetary value. The transaction server computer system is configured for receiving requests for transactions of data representing an amount of monetary value from a plurality of second clients for real-time updates of the first client's set of data. The first client's set of data is stored in a data structure comprising first and second subsets of the data, each subset of data defining a sub-balance representing an amount of monetary value. The first and second subsets are simultaneously updated following respective requests. A server architecture comprising a further administrative authority server computer system and secure tunnels enhances security.

INFORMATION PROVIDING APPARATUS AND NON-TRANSITORY COMPUTER READABLE MEDIUM STORING INFORMATION PROVIDING PROGRAM

An information providing apparatus according to an embodiment includes: notification reception means for receiving a notification indicating that provision of information about a captured video image of a dashboard camera to a user is permitted, the dashboard camera being mounted on a vehicle; information acquisition means for acquiring the information about the captured video image of the dashboard camera, provision of the captured video image to the user having been permitted; information output means for providing, to the user who requests provision of the information about the captured video image acquired by the information acquisition means, the information about the captured video image; and payment means for paying a remuneration to an owner of the dashboard camera that has captured the video image, provision of the video image to the user having been permitted. 1. An information providing apparatus comprising:a notification reception unit configured to receive a notification indicating that provision of information about a captured video image of an image capturing apparatus to a user is permitted, the image capturing apparatus being held by a mobile body;an information acquisition unit configured to acquire the information about the captured video image of the image capturing apparatus, provision of the captured video image to the user having been permitted;an information output unit configured to provide, to the user who requests provision of the information about the captured video image acquired by the information acquisition unit, the information about the captured video image; anda payment unit configured to pay a remuneration to an owner of the image capturing apparatus that has captured the video image, provision of the video image to the user having been permitted.2. The information providing apparatus according to claim 1 , wherein the payment unit is further configured to pay an additional remuneration to the owner of the image capturing ...

Methods and nodes for maintaining a communication session for a subscriber

There is provided mechanisms for granting network resources for maintaining a communication session for a subscriber in a network. A method is performed by a CTF node. The method includes obtaining, from a gateway in the network, a request for network resources for maintaining the communication session for the subscriber, and requesting, from an OCF node and in response thereto, credit units corresponding to the network resources. The method includes obtaining a grant of the credit units as well as an advance credit indication of additional credit units for the communication session from the OCF node. The method further includes storing the advance credit indication for the communication session and providing, to the gateway, a grant for the network resources for maintaining the communication session in accordance with the obtained grant.

METHOD FOR FINANCING PURCHASES FOR OTHERS USING A SENDER'S CHARGE ACCOUNT

A method allows a sender to buy goods or services for a third party immediately on an established account of the sender even before the sender pays for the expense occurred. The system works particularly well for purchases of mobile telephone airtime for others. In addition, the method works equally well for purchases of small amounts. The method utilizes SIMS protocol to send purchase orders in the form of text messages. The method takes advantage of existing technologies and contractual relationships that SIMS aggregators have with carriers. The method allows brokers to buy large quantities of goods and services such as mobile telephone airtime at discounted wholesale prices and then resell them in smaller quantities at higher retail prices. 1. A method for financing a purchase for a recipient on an account of a sender , which comprises:establishing the account of the sender with a creditor;sending a purchase order from the sender to a broker of the creditor, the purchase order identifying the recipient and the good or service;debiting the account of the sender for the good or service;sending a purchase order for the good or service from the broker of creditor to a broker of a supplier, the purchase order identifying the recipient and the good or service;sending a purchase order from the broker of the supplier to the supplier, the purchase order specifying the recipient and the good or service;delivering the good or service from the supplier to the recipient; andreimbursing the broker of the supplier after the sender credits the account.2. The method according to claim 1 , wherein:said creditor is a mobile telephone service provider;said sender is a mobile telephone user with a mobile telephone associated with said account established with said mobile telephone service provider; andsaid purchase order from the sender to a broker of the creditor is sent from said mobile telephone of said sender.3. The method according to claim 2 , wherein said purchase order from ...

System and method for paying a merchant by a registered user using a cellular telephone account

A system and method allows users to make purchases by charging or funding a prepaid debit card with their cell phone accounts by simulating a user roaming with their mobile device.

Method, apparatus, and system for processing services

Disclosed are a method, apparatus and system for processing services. The method includes: receiving a service processing request from a front-end equipment; determining a recommended service processing channel according to the information about the service to be processed, and acquiring content of the recommended service processing channel; sending the content of the recommended service processing channel to the front-end equipment such that the front-end equipment displays the content of the recommended service processing channel; and receiving a service acknowledgment from the front-end equipment, and processing the service to be processed according to the service acknowledgment. With these technical solutions, the number of service processing channels displayed by the front-end equipment is reduced, and thus the time required to process services is reduced and the probability of processing services successfully is increased.

ACQUIRING AN IDENTIFICATION CODE ASSOCIATED WITH A USER IN AN NFC TRANSACTION

A method and system for receiving digital artifacts from a management server. The method includes sending a request for a digital artifact from a mobile application to the management server for display within a specific mobile application generated screen, receiving the digital artifact from the management server, and displaying the digital artifact with the specific mobile application generated screen. 1. A method for acquiring an identification code associated with a user in a Near Field Communication (NFC) transaction using an NFC protocol , the method comprising:receiving, at a transaction server an identification code associated with the user via a first communication channel from an NFC terminal configured to use the NFC protocol, wherein the identification code associated with the user is transmitted to the NFC terminal via an NFC transceiver using a secure element application executed in response to a detection of a nearfield communication inductive signal from the NFC terminal, wherein he secure element memory maintains the identification code associated with the user, the secure element application configured to use the NFC protocol, the secure element memory, NFC transceiver configured to use the NFC protocol through a second communication channel, NFC processor configured to use the NFC protocol, and the NFC transceiver are included in a secure element permanently embedded in a mobile device, the mobile device comprising a mobile device memory that maintains a non-browser based application, a mobile device display, a mobile device processor, a mobile device wireless transceiver that supports voice and data interactions through the first communication channel, wherein the non-browser based application is a mobile operating system platform based application with a graphical user interface that is preinstalled or downloaded and installed on the mobile device, wherein the graphical user interface includes a graphical icon; andtransmitting the identification ...

METHOD FOR FACILITATING DISPENSING FUEL INTO A VEHICLE

A method for facilitating to dispense of fuel into a vehicle is provided. The method includes receiving from the vehicle, a vehicle identifier for identifying the vehicle, retrieving payment vehicle, retrieving payment details, for payment for the fuel, from a remote server based on the vehicle identifier, and authorizing dispensing the fuel into the vehicle in accordance with the payment details. 1. A computer-implemented method for facilitating dispensing of fuel into a vehicle , comprising:receiving, from the vehicle, a vehicle identifier for identifying the vehicle; 'authorizing dispensing the fuel into the vehicle in accordance with the payment details.', 'retrieving payment details, for payment for the fuel, from a remote server based on the vehicle identifier; and'}2. The method in accordance with claim 1 , wherein the receiving step includes receiving a beacon signal including the vehicle identifier from a beacon device installed on the vehicle.3. The method in accordance with claim 1 , wherein the receiving step includes receiving a transponder signal including the vehicle identifier from an RFID transponder device installed on the vehicle.4. The method in accordance with claim 1 , wherein the payment details include at least one of a fuel type claim 1 , fuel grade claim 1 , quantity claim 1 , vehicle image and vehicle identification number (VIN).5. The method in accordance with claim 1 , further comprising authenticating the vehicle with the identifier of the vehicle.6. The method in accordance with claim 1 , wherein the authorizing step includes displaying payment details so that the fuel is dispensed into the vehicle in accordance with the payment details.7. The method in accordance with claim 1 , wherein the authorizing step includes instructing a fuel pump to dispense the fuel into the vehicle in accordance with the payment details.8. A computer-implemented method for facilitating dispensing of fuel into a vehicle claim 1 , comprising:receiving vehicle ...

Internet billing method

The present disclosure may include, for example, a method for facilitating establishment of a remitting agreement between equipment used by a vendor and equipment used by a provider, enabling, by way of the equipment used by the provider, the equipment used by the vendor to communicate with equipment used by a customer permitting the customer to purchase a product or service of the vendor, and initiating between the equipment used by the provider and the equipment used by the vendor a remittance from an account associated with the vendor of a portion of a transaction amount associated with a purchase transaction made by the equipment used by the customer. Additional embodiments are disclosed.

TEXT-ENABLED POINT-OF-SALE SYSTEM

The present invention is a retail or restaurant point-of-sale (“POS”) system that is text-message enabled. The present invention includes typical POS functionality such as menu and product configuration, order creation, order submission, and payment processing. The system enables customer service from the point-of-sale system through text messaging. The system can also import, directly, text via text message or email, into the order screen of the POS system. 1. A text-enabled point-of-sale (“POS”) system comprisingat least one customer device, comprised of a processor, a memory element that has a first non-transitory computer readable medium, an input means, a communication means, and customer device software that enables the customer device to send and receive non-encoded, alphanumeric messages (“text messages”);a host server comprised of a memory element that has a second non-transitory computer readable medium, a processor, a communication means, and a computer readable instruction set, called a software application, that is resident on the second non-transitory computer readable medium;a POS database and server comprised of a memory element that has a third non-transitory computer readable medium, a processor, and a communication means, wherein the POS database and server can communicate with the at least one customer device, can execute an occurrence of the software application over the communication means; and can store a plurality of data records;a POS device comprised of a screen, a processor, a memory element that has a fourth non-transitory computer readable medium, a communication means, and a computer readable instruction set called a graphic user interface, stored on the fourth non-transitory computer readable medium, that allows for the input of orders and the exchange of text messages; wherein the software application executing on the POS database and server can receive a text message containing a non-encode alphanumeric order from the at least one ...

SYSTEM AND METHODS TO PROCESS USER INITIATED TRANSACTIONS

Systems and methods are provided to process transactions initiated by users of mobile devices. In one aspect, a system includes a data storage facility to store phone numbers of users, and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the common format processor in a common format and to communicate with the controllers in different formats. The interchange uses the converters to transmit at least one premium message to a mobile phone at a first telephone number to provide an amount to the mobile phone using funds associated with a second telephone number, in response to a request initiated from a mobile phone at the second telephone number. 1. A computer-implemented method , comprising:receiving, by an interchange computer system, a payment request initiated by a mobile phone having a first phone number, the request including a payee, an identification of an account and an amount;in response to receiving the payment request initiated by the mobile phone of the first phone number, transmitting, by the interchange computer system, a message to the mobile phone at the phone number to confirm the payment request;receiving, by the interchange computer system, a confirmation from the mobile phone in response to the message transmitted to the mobile phone at the phone number to confirm the payment request;in response to receiving the confirmation from the mobile phone, approving, by the interchange computer system, the payment request;in response to the approval of the payment request, transmitting by the interchange computer system, at least one message to a telecommunication carrier to bill an account at the telecommunication carrier corresponding to the phone number for at least the amount;receiving, with the interchange computer system, payment for at ...

Wallet Consolidator and Related Methods of Processing A Transaction Using A Wallet Consolidator

A wallet consolidator to process a transaction and related methods, are provided. An embodiment of a wallet consolidator can include a controller to control operation of the wallet consolidator, and an input device connected to the controller and positioned to receive a copy of information. The input device, for example, can include a magnetic stripe reader/writer for reading and writing magnetic stripes, a bar code scanner for scanning bar codes, or a keypad, among others, to input user selections and commands. An embodiment of a wallet consolidator can also include a memory for storing information provided to the wallet consolidator, and an output device connected to the controller and positioned to communicate at least a portion of the information stored in the memory device to a computer device, e.g., point-of-sale terminal, dumb terminal, and/or database, located at a point-of-sale, to process a transaction. The output device can include a wireline communications interface, a wireless communications interface, a radio frequency (RF) interface, or an infrared (IR) interface, among others. 125-. (canceled)26. A computer-implemented method for facilitating transactions , comprising:receiving, by a wireless communication device, one or more of coupon information, identification information relating to a user of the wireless communication device, and financial account information to enable completion of a financial transaction with a point-of-sale terminal at a merchant location;saving, by the wireless communication device, the one or more of coupon information, the identification information, and the financial account information;receiving, by the wireless communication device, a request for information to complete the financial transaction; andtransmitting, by the wireless communication device, at least one of the coupon information, the identification information, and the financial account information to the point-of-sale terminal at the merchant location to ...

Mobile payment service for helping consumer to choose payment card

The disclosure is related to a service for helping a consumer to select a payment card returning the relatively best benefits among multiple payment cards of the consumer without requiring user equipment for collecting a large amount of information and for performing excessive amount of computation. The user equipment may be configured to obtain a merchant identification code from a target merchant, to request a modularized code block associated with the obtained merchant identification code to a service server, to receive a modularized code block associated with the merchant identification code from the service server, and to display information on beneficial payment cards associated with the target merchant in a designated display area of a user interface of a service application, installed in and executed by the user equipment, by processing the received modularized code block.

Method and device for displaying indication of payment

An electronic device comprises a display, a memory, and a processor, wherein the processor may be configured to: display, via the display, an indication which is stored in the memory and corresponds to a payment means; confirm circumstantial information on the electronic device; if the circumstantial information satisfies a first designated condition, display first additional information on the payment means in association with the indication via the display; and if the circumstantial information satisfies a second designated condition, display second additional information on the payment means in association with the indication via the display. Other embodiments are also available.

Multimedia system and methods for controlling vending machines

A wireless system for managing a plurality of remote vending machines includes an enterprise control center; and a two-way wireless network coupling the enterprise control center and the plurality of remote vending machines. A touch screen may be associated with each of the plurality of vending machines for selecting items to be vended therein, and means for displaying a plurality of advertisements on the touch screen. The touch screen may also include means for paying for the items to be vended within the plurality of vending machines.

Client, computing platform, and methods for conducting secure transactions

The present invention is generally related to client and computing platforms that may be used for conducting secure transactions.

CRYPTOGRAPHIC CURRENCY EXCHANGE

A system and method for transacting cryptographic currency is described. An exchange database associated with a number of buyers and sellers is maintained at a host computer system. Cryptographic currency is received from one or more of the sellers at an exchange wallet associated with the exchange database. A match is created within the exchange database, including a buy offer for the cryptographic currency from a buyer and a sell offer for the cryptographic currency from a seller. A cryptographic currency withdrawal request is received from the buyer, and in response, the host computer system determines that a total amount of cryptographic currency represented in the exchange database matches a total amount of the cryptographic currency within the exchange wallet, transfers the cryptographic currency to the buyer's wallet, and updates the exchange database by deducting a first value of the cryptographic currency that is transferred to the buyer's wallet. 1. A method comprising: with a multi-user cryptocurrency host computer system:with a local register, storing a plurality of cryptocurrency wallet addresses for a digital wallet of a user of the multi-user cryptocurrency host computer system;controlling a local storage to store a plurality of cryptocurrency vault addresses for the user;selecting a first subset of the wallet addresses as a first transfer set;transferring respective values of the wallet addresses of the first transfer set to a first vault address of the plurality of cryptocurrency vault addresses;storing a first private key of the first vault address at the local storage, in association with the first vault address;splitting and distributing the first private key stored at the local storage;removing the first private key from the local storage;recording a total value of the first vault address at the local storage; andfor each wallet address of the first transfer set, restoring the value of the wallet address from the first vault address.2. The ...

METHOD AND SYSTEM FOR REMOTE TRANSACTION PROCESSING USING A TRANSACTION SERVER

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization. 1. A method for processing a transaction , comprising:receiving, at a transaction server, a payment method that corresponds to an identification code associated with a user from a remote management server, whereinprior to receiving the payment method that corresponds to the identification code associated with the user from the remote management server, the remote management serversends a list of products to a non-browser based application, wherein the non-browser based application is a mobile operating system platform based mobile application with a graphical user interface that is preinstalled or downloaded and installed on a mobile device, wherein the graphical user interface includes a graphical icon, the mobile device including a mobile device display, a mobile device processor, a mobile device wireless radio transceiver configured to support voice and data interactions through a first wireless communication channel, and a mobile device wireless fidelity (Wi-Fi) transceiver, receives, at the non-browser based application an identification of one or more products selected from the list of products from the non-browser based application, wherein the non-browser based application receives the ...

CREDIT CARD TERMINAL

An upgrade card system capable of replacing a prior art credit card terminal system is disclosed. The upgrade card system provides for expanded functionality compared to the prior art credit card terminal system for accepting fleet card payments and providing for additional reports, alerts and different delivery mechanisms. 1. A vending machine capable of receiving credit card payment or a fleet card payment , the vending machine comprising:a card system having an internet communication channel for authorizing the credit card payment or the fleet card payment;a card reader in direct communication with the card system for reading numbers on a credit card or a fleet card;a display in direct communication with the card system for prompting a user for information;a printer in direct communication with the card system for outputting a receipt;a keypad in direct communication with the card system for receiving user input; anda controller in communication a vending mechanism for vending a product and in direct communication with the card system for selectively dispensing a vended product through the vending mechanism;wherein the controller controls the display and keypad by relaying control signals through the card system to the display and keypad and the controller receives information from the card reader and the keypad by relaying information from the card reader and keypad to the controller through the card system to the controller when processing a credit card transaction, and the card system directly controls the display and keypad and the card system receives information from the card reader and the keypad when processing a fleet card transaction.2. The machine of further comprising a plurality of vending machines in communication with each other claim 1 , one of the card systems of the plurality of vending machines set up as a server whereas the remaining card systems of the vending machines set up as a client so that all credit card transactions are authorized ...

Method for financing purchases for others using a sender's charge account

A method allows a sender to buy goods or services for a third party immediately on an established account of the sender even before the sender pays for the expense occurred. The system works particularly well for purchases of mobile telephone airtime for others. In addition, the method works equally well for purchases of small amounts. The method utilizes SIMS protocol to send purchase orders in the form of text messages. The method takes advantage of existing technologies and contractual relationships that SIMS aggregators have with carriers. The method allows brokers to buy large quantities of goods and services such as mobile telephone airtime at discounted wholesale prices and then resell them in smaller quantities at higher retail prices.

Emergency triggered resource distribution network deployment system

Embodiments of the invention are directed to systems, methods, and computer program products for an emergency triggered system for resource distribution network generation and deployment. In this way, the invention interconnects with a digital resource distribution network for real-time resource transfer from user contacts to a user only enacted upon confirmation of a triggering event. As such, upon triggering status enablement, the system may form and activate a user specific resource distribution depository network for user aid via integration within a digital resource distribution network platform.

METHODS AND SYSTEMS FOR MAKING MOBILE PAYMENTS

Systems and methods for mobile payments are provided. A customer may interact with the system via a voice interface. A customer may verbally communicate with a merchant to determine details of a transaction. The customer need not provide sensitive financial information for the transaction nor have stored payment information previously with the merchant. Information pertaining to the transaction may be processed and payment confirmation may occur through communication with a payment gateway. 1. A computer implemented method for making mobile payments comprising:receiving a caller identification and a caller authentication from a caller, said caller using a calling device with an audio receiver;receiving a spoken merchant identifier from the caller, via the audio receiver of the calling device;connecting the caller with the merchant based on the spoken merchant identifier;receiving transaction information between the caller and the merchant from the merchant; andsending the caller identification, caller authentication, and at least some of the transaction information to a payment gateway.2. The method of wherein the caller identification is a phone number of the calling device that the caller is dialing from.3. The method of wherein the caller authentication is a personal identification number (PIN).4. The method of wherein the at least some of the transaction information includes a price of an item or service that the caller is purchasing from the merchant.5. The method of further comprising receiving a payment confirmation or rejection from the payment gateway claim 1 , and sending the payment confirmation or rejection to the merchant.6. The method of wherein the merchant does not have access to the caller's sensitive financial information claim 5 , wherein the sensitive financial information comprises one or more of the following: caller's credit card number claim 5 , debit card number claim 5 , prepaid card number claim 5 , gift card number claim 5 , or bank ...

Methods and systems for making secure payments

A method and system for making secure payments are disclosed. A service terminal of a buyer's bank may implement the method for secure payment. The service terminal may receive a request for payment from a buyer, the request including a name of a seller and a payment amount; approve the request for payment; withhold the payment amount; and generate a proof of payment. Further, the service terminal of the buyer's bank may store the proof of payment, an expiration date of the proof of payment; send the proof of payment to the buyer; and receive a withdrawal request from a seller's bank. The withdrawal request includes the name of the seller and the payment amount. Finally, the service terminal of the buyer's bank may release the payment based on the withdrawal request.

Electronic Funds Transfer Consumer Authorization Verification System

An electronic funds transfer consumer authorization verification system for efficiently proving that a consumer authorized a financial transaction via an ACH network. The electronic funds transfer consumer authorization verification system generally includes accepting by a business an authorization from a consumer to debit and/or credit the consumer's financial account in a specified amount via an ACH network, communicating the ACH detailed record for the ACH transaction along with a transaction data file from the business to a third-party payment processor, and communicating to the business a transaction key associated with both the ACH detailed record and the transaction data file. The transaction data file is an image data file that may be comprised of an ACH authorization signature or statement by the consumer authorizing the ACH transaction, a copy of the identification documents for the consumer and/or state licensing information for the business. 1. A method of verifying an electronic funds transfer , said method comprising:receiving by a business from a consumer a transaction data for a financial transaction to debit and/or credit said consumer's financial account via a financial network;receiving by said business from said consumer an authorization for said financial transaction;creating a funds transfer file by said business that includes a detail record having financial information relating to said financial transaction;creating at least one transaction data file that includes said authorization for said financial transaction;transmitting said funds transfer file from a business computer to a payment processor computer for a third-party payment processor via a telecommunications network;transmitting said transaction data file from a business computer to said payment processor computer for a third-party payment processor via a telecommunications network;generating a transaction key by said third-party payment processor; andstoring said transaction key in a ...

DETERMINATION OF A PAYMENT METHOD USED IN AN NFC TRANSACTION

A method and system for receiving digital artifacts from a management server. The method includes sending a request for a digital artifact from a mobile application to the management server for display within a specific mobile application generated screen, receiving the digital artifact from the management server, and displaying the digital artifact with the specific mobile application generated screen. 1. A method for determining a payment method used in a Near Field Communication (NFC) transaction using an NFC protocol , the method comprising:receiving, at a remote management server, an identification code associated with a user from a transaction server which receives the identification code associated with the user via a first communication channel from an NFC terminal, wherein the identification code associated with the user is transmitted from a secure element memory to the NFC terminal via an NFC transceiver using a secure element application that is executed in response to a detection of a near field communication inductive signal from the NFC terminal, wherein the secure element memory maintains the identification code associated with the user, the secure element memory, NFC transceiver configured to use the NFC protocol through a second communication channel, NFC processor configured to use the NFC protocol, and the NFC transceiver configured to use the NFC protocol are included in a secure element permanently embedded in a mobile device, the mobile device comprising a mobile device memory which maintains a non-browser based application, a mobile device display, a mobile device processor, a mobile device wireless transceiver that supports voice and data interactions through the first communication channel; wherein the non-browser based application is a mobile operating system platform based application with a graphical user interface that is preinstalled or downloaded and installed on the mobile device, wherein the graphical user interface includes a ...

FRAUD DETECTION BASED ON KNOWN USER IDENTIFICATION

Systems, methods, devices, and computer readable media for determining whether a transaction was initiated by a known user. Known users can be identified using a known user identification linear regression algorithm. The known user identification algorithm incorporates a variety of features of an initiated transaction, as well as reputation and historical data associated with an account or user, to produce a prediction value that indicates whether a user is a known user or whether there is a high potential for fraud. If the prediction value that results from the known user identification algorithm is greater than or equal to the threshold value, a fraud rule is triggered (i.e., predicted fraud). If the prediction value that results from the known user identification algorithm is less than the threshold value, the user who initiated the transaction is identified as a known user and the transaction is permitted to proceed (i.e., predicted non-fraud). 1. A fraud detection system comprising:a database; and receive a fraud analysis request related to the electronic transaction, the electronic transaction including an associated plurality of features,', 'determine values for the plurality of features for the electronic transaction,', 'apply a weighted coefficient to each of the values of the plurality of features, the weighted coefficients related to an influence that each respective feature has on the electronic transaction potentially being a fraudulent transaction,', 'determine a fraud prediction value based on the values of the plurality of features and the weighted coefficients,', 'compare the fraud prediction value to a threshold value, and', 'identify a user who initiated the electronic transaction as a known user when the fraud prediction value is less than the threshold value., 'a server connected to the database, the server configured to determine whether an electronic transaction was initiated by a known user, the server including an electronic processor and a ...

SYSTEMS AND METHODS FOR MONITORING AND MANAGING FACILITIES IN REAL-TIME

Embodiments of the present disclosure provide a centralised facility management systems and methods to monitor and manage a plurality of buildings. A centralised facility management system is capable of monitoring and managing any building anywhere in the world. The system receives real-time audio/visual feed from a number of imaging devices, such as cameras, strategically located in and around a facility. The system is configured to provide immediate feedback, appropriate response and recording of any incident. The system may assist with monitoring people, deliveries, short stay rental guests, move in/outs, mail rooms, lockers, trade personnel, public areas, car parking, and so forth. The system may also include a touch enabled device or a kiosk to provide direct visual access to the system. 1. A centralised facility management system for monitoring and managing a plurality of facilities in real-time , comprising:an audio/visual input module configured to continuously receive a real-time audio/visual feed of the plurality of facilities from a plurality of imaging devices of the plurality of facilities, wherein the audio/visual input module comprises a touch enabled device to enable a concierge user to interact with the centralised facility management system; provide a controlled access of a plurality of doors, lockers, parking within and around the plurality of facilities to a plurality of users and vehicles based on the real-time audio/visual feed and via at least one of a voice recognition, a facial recognition, and a wireless technology comprising Bluetooth;', 'track an entry and exit of the plurality of users and the vehicles into and out of the plurality of facilities in real-time;', 'register and authenticate vehicles based on recognition of vehicle information comprising a number plate; and', 'record and respond to an incident comprising a security incident;, 'based on the real-time audio/visual feed, a security module is configured toan asset managing ...

System and Method for Providing In-Call Display

The present disclosure discloses a system and method for in-call display interface to see visual media during a connected phone call. A request to display in-call information is received, and in response to the request the in-call information regarding the visual media is displayed during active phone calls besides making payments during a phone call by either manual or saved payment methods. 1. A method , comprising:a) placing, by a computing system, a phone call;b) recognizing, by the computing system, that the phone call will be answered by a human that will converse with a user; andc) displaying, on the computing system, digital media that corresponds to the nature of the conversation between the two people conversing2. The method of claim 1 , further comprising:where the Interactive Voice Response IVR prompts callers to make numerical or voice selections corresponding to the department or person to which they want to be connected.3. The method of claim 1 , further comprising:making payments during a phone call by either manual or saved payment methods. A portion of the disclosure of this patent document contains material which is subject to copyright protection. The copyright owner has no objection to the facsimile reproduction by anyone of the patent disclosure, as it appears in the Patent and Trademark Office patent files or records, but otherwise reserves all copyright rights whatsoever.The present disclosure relates generally to the field of communications. More particularly, this present disclosure relates to a system and method for in-call display interface to see visual media during a connected phone call. In-addition the app covers making payments and transacting during a phone call by either manual or saved payment methods during active phone calls.When a user places a phone call to a call center, the phone call may be answered by an auto-attendant of the call center. Interactive Voice Response (IVR) and auto attendants, otherwise known as automated ...

One-touch payment using haptic control via a messaging and calling multimedia system on mobile device and wearable device, currency token interface, point of sale device, and electronic payment card

Provided are computer implemented methods and systems for messaging, calling, and one-touch payments via mobile and wearable devices. An exemplary system comprises a processor and a database in communication with the processor. The processor is configured to provide an integrated interface for selection of an activity mode. The activity mode includes a messaging mode, a calling mode, and a one-touch payment mode. The processor is further configured to receive the selection of the activity mode via the integrated interface from a user. If the messaging mode is selected, a message from the user is received and sent to a recipient via a data network. If the calling mode is selected, a data network call is initiated on a call request of the user. If the one-touch payment mode is selected, a payment request is transmitted to a financial organization.

Remote transaction processing at a server using a default payment method and coupons

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

User equipment, service providing device, pos terminal, payment system including the same, control method thereof, and non-transitory computer readable storage medium storing computer program recorded thereon

Provided are user equipment, a service providing device, a POS terminal, a payment system including the same, a control method thereof, and a non-transitory computer readable storage medium storing a computer program recorded thereon. According to the present invention, when the partial payment is performed, an allotment is collected through a temporary account from participants who participate the partial payment, the representative payer performs the payment function through a carried user equipment when all required allotments are collected, and then when the payment function is normally performed, the representative payer provides the previously collected allotment to the user equipment, and distributes the previously generated points in accordance with the allotment for every participant when the point is generated in accordance with performing of the payment function, thereby invigorating the partial payment service.

SYSTEM AND METHOD FOR SECURE INTERACTIVE VOICE RESPONSE

System and method for a secure interactive voice response (IVR) includes: receiving a communication from a first party regarding a transaction, over a communication network; connecting the second party with the communication to service the communication; creating an anonymous order entry for the transaction; detecting sensitive information in the communication; isolating the sensitive information in the communication from the second party; route the communication to a secure system for processing of the sensitive information; and reconnecting the communication to complete the transaction 1. A interactive voice response (IVR) system comprising:a receiver for receiving a communication from a first party regarding a transaction, over a communication network; and 'a processor to assign a second party to service the communication, create an anonymous order entry for the transaction, detect sensitive information in the communication, isolate the communication from the second party, route the communication to a secure system for processing of the sensitive information, and reconnect the communication to complete the transaction.', 'an automatic communication distribution (ACD) server including2. The IVR system of claim 1 , wherein the processor transmits the sensitive information to a validation service for validation.3. The IVR system of claim 1 , wherein the anonymous order entry includes a conversation id claim 1 , a participant id claim 1 , an order number claim 1 , and a total amount for the transaction claim 1 , and wherein the anonymous order entry does not include any sensitive information.4. The IVR system of claim 1 , wherein the communication is a voice call claim 1 , a duel tone multi-frequency (DTMF) call claim 1 , or a chat communication.5. The IVR system of claim 1 , wherein the anonymous order entry claim 1 , when executed by the processor posts a message to a public API accessible over a computer network with a universal resource identifier (URI) ...

SYSTEM AND METHOD FOR IOT DEVICE AUTHENTICATION AND SECURE TRANSACTION AUTHORIZATION

Invention comprises a new IoT Device Authentication Method and secure transaction Authorization System. IoT Device Authentication process based on novel type of Device Identity that consist of information about physical surroundings collected by the device itself. The Transaction Authorization processes does not require Human intervention. 1. A network-connected device authentication system , the network-connected device authentication system comprising a processing resource configured to:provide a contracts database comprising a plurality of authentication-enabling information records, each authentication-enabling information record containing a network access descriptor of a respective network-connected device and reference values of respective authentication parameters of the respective network-connected device;obtain, from a requestor, an authentication request including a given network access descriptor associated with a given network-connected device to be authenticated;retrieve, from the given network-connected device, utilizing the given network access descriptor, a plurality of authentication values obtained by reading current values of the respective authentication parameters of the given network-connected device, wherein one or more given authentication parameters of the authentication parameters has a dynamic value that changes over time, and wherein at least one given authentication value of the authentication values, associated with a respective given authentication parameter, is obtained from a sensor connected to the given network-connected device;calculate an authentication grade indicative of authenticity of the given network-connected device by comparing each of the authentication values with a respective expected value, or expected value range, or a group of expected values, determined utilizing the respective reference values, wherein at least one of the reference values has been obtained by the sensor connected to the given network-connected ...

Methods and Systems for Relaying a Payment Card Detail During a Telephone Call Between a Customer's Telephone and a Vendor's Telephone

There is provided a method for relaying a payment card detail during a telephone call between a customer's telephone and a vendor's telephone, the customer's telephone storing the payment card detail therein, the method comprising: initiating a telephone call between the customer and the vendor; the customer's telephone receiving a predetermined input; during the telephone call, the customer's telephone accessing the payment card detail stored in the customer's telephone based on the predetermined input; and the customer's telephone audibly relaying to the vendor the accessed payment card detail, wherein audibly relaying to the vendor the accessed payment card detail comprises the customer's telephone converting, using at least one text-to-speech algorithm, the accessed payment card detail to an audible message containing the payment card detail and audibly relaying the audible message during the telephone call. 1. A method for relaying a payment card detail during a telephone call between a customer's telephone and a vendor's telephone , the customer's telephone storing the payment card detail therein , the method comprising:(a) initiating a telephone call between the customer and the vendor;(b) the customer's telephone receiving a predetermined input;(c) during the telephone call, the customer's telephone accessing the payment card detail stored in the customer's telephone based on the predetermined input; and(d) the customer's telephone audibly relaying to the vendor the accessed payment card detail;wherein audibly relaying to the vendor the accessed payment card detail comprises the customer's telephone converting, using at least one text-to-speech algorithm, the accessed payment card detail to an audible message containing the payment card detail and audibly relaying the audible message during the telephone call.2. The method of claim 1 , wherein receiving the predetermined input comprises the customer inputting the predetermined input using the customer's ...

BROKER-MEDIATED PAYMENT SYSTEMS AND METHODS

In certain embodiments of systems and methods for conducting payment transactions between a payer and a payee, the payer selects one or more payment sources from various funding sources and accounts available to the payer, and instructs a payment broker's server to perform payment authorization and/or payment routing and clearing services on the payer's behalf. The payment broker's server notifies the payer and/or the payee of the payment authorization status and, if approved, instructs the funding source to send the payment to or for the payee without divulging the payer-selected funding source or account to the payee. 125-. (canceled)26. A telecommunication system comprising: a communication facility permitting communication over the telecommunication network;', 'a processor for (i) running an application for authenticating or obtaining authentication information from a payer, (ii) obtaining payee-identifying information, and (iii) facilitating selection by the payer of at least one funding source and at least one real account associated with the payer; and, 'a) an electronic device connected to and configured for communication over a telecommunication network, the electronic device comprising a communication facility permitting communication over the telecommunication network;', 'a computer memory comprising a database; and', 'a processor for (i) receiving the authentication information via the telecommunication network, (ii) authenticating and identifying the payer based on the authentication information, and (iii) requesting authorization, via the telecommunication network using the communication facility, from the payer-selected funding source to make a payment; and, 'b) a brokerage server comprisingc) a funding-source server for (i) receiving the authorization request and the payer-selected real account and, based thereon, (ii) causing payment to be made to the payee via the brokerage server such that the payment transaction is completed without divulging to ...

DONGLE SYSTEM FOR PROVIDING INTERNET OF THINGS SERVICE

An example of the present invention provides a dongle system including a dongle terminal, the dongle terminal comprising: a dongle terminal unit including a dongle data terminal for data communication with an external product, a dongle power terminal for receiving power supply from the external product, and a dongle antenna terminal for connection with an antenna unit which is installed in the external product and is wirelessly connected to an external server and the Internet of things; a dongle data communication processing unit connected with the dongle data terminal so as to process data communication with the external product; a wireless communication processing unit connected with the dongle antenna terminal so as to process wireless communication with the external server, and to receive, from the external server, a first product control signal for providing an Internet of things service to the external product; and a product service software unit having dongle software installed therein, processing the first product control signal received through the wireless communication processing unit and transmitting the same to the dongle data communication processing unit, and transmitting, to the dongle data communication processing unit, a second product control signal which is generated through the dongle software so as to control the external product. 1. A dongle system comprising a dongle terminal ,the dongle terminal comprising:a dongle terminal unit comprising a dongle data terminal for data communication with an external product, a dongle power terminal receiving power from the external product, and a dongle antenna terminal connecting with an antenna unit which is installed in the external product, wirelessly connects with an external server and the Internet of Things (IoT), and receives a first product control signal from the external server so as to provide IoT services to the external product;a dongle data communication processing unit connecting with the ...

SYSTEM AND METHOD FOR PAYING A MERCHANT BY A REGISTERED USER USING A CELLULAR TELEPHONE ACCOUNT

A system and method allows users to make purchases by charging or funding a prepaid debit card with their cell phone accounts by simulating a user roaming with their mobile device. 121-. (canceled)22. A method of registering a mobile subscriber for later transaction authentication comprising: performing the following operations using one or more computer systems:receiving a mobile telephone number for the mobile subscriber;associating a mobile subscriber identifier with the mobile telephone number; andcreating a database entry comprising at least a merchant identifier, the received mobile telephone number for the mobile subscriber; and the associated mobile subscriber identifier.23. The method of claim 22 , wherein the associating comprises querying the mobile service provider of the subscriber for the mobile subscriber identifier.24. The method of claim 22 , and further comprising receiving a merchant identifier.25. The method of claim 22 , wherein the mobile subscriber identifier identifies a cellular telephone of the mobile subscriber.26. The method of claim 25 , wherein the cellular telephone operates in accordance with GSM or CDMA communication protocols.27. The method of claim 22 , and further comprising: validating the mobile subscriber.28. The method of claim 27 , wherein the validating includes:subsequent to registering the mobile subscriber:querying a mobile service provider for the mobile subscriber to obtain a current mobile subscriber identifier; andcomparing at least the associated mobile subscriber identifier from the created database entry and the current mobile subscriber identifier.29. The method of claim 27 , wherein the validating includes:subsequent to registering the mobile subscriber:receiving a current merchant identifier and/or a current mobile telephone number for the mobile subscriber; andcomparing at least the associated mobile subscriber identifier from the created database entry and a current mobile subscriber identifier that has been ...

Payment System and Method

In one embodiment, transferring payment between a first user and a second user of a communication system includes displaying a contact list in a user interface of a client executed at a user terminal of the first user, the contact list including the second user. The client retrieves and displays at least one page from a payment provider responsive to the first user selecting the second user from the contact list. The client transmits, to the payment provider, information related to the payment entered into the page by the first user, which causes the payment provider to transfer the payment from an account of the first user to an account of the second user. 1. A method of transferring a payment between a first user of a communication system and a second user of the communication system , the method comprising:causing display of a contact list that includes said second user in a user interface of a client application executed at a user terminal of the first user;retrieving and causing display of at least one page from a payment provider responsive to selection of a payment transfer option in the user interface by the first user;automatically identifying the second user as a recipient of said payment in said at least one page retrieved from the payment provider responsive to the selection of the second user from the contact list;receiving information related to said payment entered into said at least one page by said first user; andtransmitting said information related to said payment to said payment provider to cause said payment provider to transmit a message to a user terminal of the second user over the communication system and transfer said payment from an account of the first user to an account of the second user by linking together authorization information of the second user in the communication system with authorization information of the second user in the payment provider.2. The method of claim 1 , wherein the selection of the second user comprises ...

INTEROPERABLE FINANCIAL TRANSACTIONS VIA MOBILE DEVICES

A method and system provide interoperable electronic financial services using mobile communications devices and without the need for traditional banking systems like plastic cards, POS machines, branches and ATMs. A consumer can deposit and/or withdraw money from his account using his mobile device and with the help of a local agent without ever stepping inside a branch of a bank where the consumer has an account. The system uses the consumers ID and his mobile number to generate a PAN for the consumer, which is then used to route the transactions. The system uses indicators in the an transaction to identify transaction purpose and thus enable appropriate interchange, clearing and settlement between participating entities. The system provides real-time feedback on the transactions and reduces costs by enabling an agent to service consumers of multiple banks and payment service providers. 114.-. (canceled)15. A method comprising:receiving, from a first server computer and at a central server computer, a transaction request message to transfer funds from a first entity associated with the first server computer to a second entity, wherein the transaction request message comprises a transaction type indicator, an amount associated with the transfer of funds, and a mobile communications device identifier used by the second entity or a second entity identifier;parsing the transaction request message and determining a second server computer associated with the second entity;transmitting the transaction request message to the second server computer;receiving a transaction response message from the second server computer, parsing the transaction response message and determining the first server computer; andtransmitting the transaction response message to the first server computer.16. The method of claim 15 , further comprising performing a clearing and settlement process with the first server computer and the second server computer claim 15 , after transmitting the ...

CONTAINERIZATION OF NETWORK SERVICES

Techniques, described herein, may enable network services to be efficiently and effectively implemented as containers by computing devices operating in a cloud computing environment. Container images may be built and tested locally by an operator device and pushed to the computing devices for deployment of containers defined by the container images. The computing devices may enable the containers to communicate with one another by applying a domain name service (DNS) and port mapping tool to the containers. The computing devices may provide data collection, data search, and data visualization tools to enable an operator to monitor and manage the containers themselves as well as the activity of the containers. 1. One or more devices , comprising: deploy a particular container at the one or more devices, the container corresponding to a network service to be provided by the one or more devices;', 'apply, to the deployed particular container, a container naming technique applied to one or more other containers associated with the network service, the container naming technique enabling the particular container and the one or more other containers to automatically discover and begin communicating in with one another in a manner that is consistent with providing the network service;', the deployment of the particular container and the one or more other containers, and', 'information representing activity associated with the particular container and the one or more other containers; and, 'collect information representing, 'store or output the collected information., 'one or more processors configured to2. The one or more devices of claim 1 , wherein applying the container naming technique to the particular container further comprises:registering a name for the particular container; andmapping one or more ports of the particular container to one or more ports of the one or more devices.3. The one or more devices of claim 2 , wherein the one or more other containers ...

SERVICING A PLURALITY OF LONGEVITY-CONTINGENT ASSETS WITH SHARED LIABILITIES

A method for servicing longevity-contingent assets includes identifying a payout of one or more longevity-contingent assets, where a first longevity-contingent asset is associated with a first periodic premium payment of periodic premium payments, and where a benefit cash account is utilized to accrue a portion of the payout. The method further includes determining a first portion of the payout to associate with the benefit cash account in accordance with a longevity-contingent asset de-construction approach. The method further includes determining a second portion of the payout to associate with one or more debtors in accordance with the first portion of the payout, where the second portion of the payout is utilized to fund an aggregated payment of the periodic premium payments. 1. A method for servicing a plurality of longevity-contingent assets , the method comprises:identifying, by a computing device, a payout of one or more longevity-contingent assets of the plurality of longevity-contingent assets, wherein a first longevity-contingent asset of the plurality of longevity-contingent assets is associated with a first periodic premium payment of a plurality of periodic premium payments, wherein a benefit cash account is utilized to accrue a portion of the payout;determining, by the computing device, a first portion of the payout to associate with the benefit cash account in accordance with a longevity-contingent asset de-construction approach; anddetermining, by the computing device, a second portion of the payout to associate with one or more debtors in accordance with the first portion of the payout, wherein the second portion of the payout is utilized to fund an aggregated payment of the plurality of periodic premium payments.2. The method of further comprises:facilitating payment of the first portion of the payout to the benefit cash account; andfacilitating the aggregated payment of the plurality of periodic premium payments utilizing the second portion of ...

PRE-PRINTED POSTAGE APPLICATION

Aspects of the technology described herein provide a pre-printed postage. As an initial step, the pre-printed postage is printed on a media, such as an envelope or sticker. Each instance of pre-printed postage comprises a unique identifier encoded in a machine-readable format. Postage is paid for through a payment process. In order to pay for an individual instance of pre-printed postage, the unique identifier encoded in the pre-printed postage needs to be provided to the payment application. At the end of the payment process, a central database is updated to associate the unique identifier with a postal value calculated during payment. When the Postal Service receives an item with pre-printed postage it validates the pre-printed postage and then indicates usage of the pre-printed postage by updating the central database. 1. A method for of paying for postage from a computing device , comprising:receiving, at a postage-payment application, a unique identifier that is encoded within an instance of pre-printed postage printed on an item;determining a postage rate required for the item to be posted; andcommunicating a payment message to a postage-payment service that comprises a postage value equal to the postage rate and the unique identifier.2. The method of claim 1 , wherein the item is an envelope and said determining the postage rate comprises receiving an indication from a user indicating that a gift card is to be posted within the envelope.3. The method of claim 1 , wherein said determining the postage rate comprises identifying a greeting card to be sent in the item by scanning the greeting card and looking up shipment information for the greeting card in a greeting card database.4. The method of claim 3 , wherein the greeting card is identified through computer vision analysis of a visual design on the greeting card.5. The method of claim 3 , wherein the greeting card is identified through identification of a Universal Product Code (UPC) on the greeting card.6 ...

TRANSACTION INTERACTIONS BETWEEN NODE GROUPS

A correlation request is received for correlating an object node to a node group. A resource acquisition request is initiated, preset by the node group to the object node. Creditable resources of the object node are queried, and whether the creditable resources include a target resource required by the resource acquisition request is verified. When the server verifies the creditable resources include a target resource, the target resource is extracted from the creditable resources of the object node and the object node is correlated to the node group. 1. A computer-implemented method , comprising:receiving a correlation request for correlating an object node to a node group;initiating a resource acquisition request preset by the node group to the object node;querying creditable resources of the object node, and verifying whether the creditable resources include a target resource required by the resource acquisition request; and extracting the target resource from the creditable resources of the object node; and', 'correlating the object node to the node group., 'when the server verifies the creditable resources include a target resource2. The computer-implemented method of claim 1 , wherein correlating the object node to the node group further comprises injecting the target resource extracted from the creditable resources of the object node into a shared resource pool of the node group.3. The computer-implemented method of claim 1 , further comprising receiving claim 1 , a group establishment request claim 1 , from an initial node claim 1 , the group establishment request including the resource acquisition request.4. The computer-implemented method of claim 1 , further comprising:generating a group identifier in response to receiving the group establishment request from the initial node; andcorrelating the group identifier with the resource acquisition request.5. The computer-implemented method of claim 1 , wherein the group identifier identifies a correlation ...

Method of Social Key Recovery and Related Device

A method of social key recovery for a first communication device supporting blockchain technology with asymmetric cryptographic algorithm is disclosed. The method comprises transmitting a device identity of the first communication to a second communication on the blockchain, performing a verification operation with the second communication device, receiving a message including a verification code of the first communication device and a public key of the second communication device, from the second communication device, wherein the first message is encrypted with a public key of the first communication device, decrypting the message with a private key of the first communication device, to obtain the public key of the second communication device, and transmitting seed phrases encrypted with the public key of the second communication device for restoring a crypto wallet on the blockchain, to the second communication device. 1. A method of social key recovery for a first communication device supporting blockchain technology with asymmetric cryptographic algorithm , the method comprising:transmitting a device identity of the first communication to a second communication on the blockchain;receiving a request for a verification code of the first communication device, from the second communication device;in response to the request, transmitting the verification code of the first communication device, to the second communication device;receiving a first message including the verification code of the first communication device and a public key of the second communication device, from the second communication device, wherein the first message is encrypted with a public key of the first communication device;decrypting the first message with a private key of the first communication device, to obtain the public key of the second communication device; andtransmitting seed phrases encrypted with the public key of the second communication device for restoring a crypto wallet on the ...

SYSTEM FOR SECURING USER INFORMATION USING ENCRYPTION

A system, method and computer program product for securing user information, including processing circuitry that receives an encrypted first request from a first party and that includes a unique identifier associated with an account of a user, sends, based on the encrypted first request, an encrypted authorization request to an operator servicing the account of the user, and receives, in response to the encrypted authorization request, an authorization from the operator based on a result of an authorization message exchange for authorizing or not authorizing the request sent by the operator to a device associated with the user over a network controlled by the operator. No pecuniary information of the user nor the personal identification number of the user is received by the processing circuitry thereby shielding the pecuniary information of the user from the first party. 1. A system for securing user information , the system comprising:processing circuitry configured to:receive an encrypted first request from a first party, wherein the encrypted first request includes a unique identifier associated with an account of a user,send, based on the encrypted first request, an encrypted authorization request to an operator servicing the account of the user, andreceive, in response to the encrypted authorization request, an authorization from the operator based on a result of an authorization message exchange for authorizing or not authorizing the request sent by the operator to a device associated with the user over a network controlled by the operator, wherein the authorization message exchange includes transmission of a personal identification number of the user associated with an identifier of the user to the operator in response to the authorization request for verification,wherein if a response to the encrypted authorization request from the operator authorizes the request, the processing circuitry is further configured to satisfy a requirement of the first party from ...

Systems and Methods for Transaction and Information Management

Systems or methods for managing transactions within a controlled environment facility provide an information management engine integrating transaction functionality for establishing an account associated with a resident of the controlled environment facility, and use the information management engine to conduct transactions associated with residents of the controlled environment facility. The transactions include at least distant deposits into the account by a party outside of the controlled environment facility. The systems or methods accept requests from the resident and facilitate the request for deposit. The systems or methods may place calls to the individuals outside the controlled environment facility or to interact with the individual. During such calls a deposit request may be made and the deposit accepted. 1. A method comprising:receiving, by an automated transaction processing system, an indication by a resident of a controlled environment facility that said resident wishes to request a deposit from a party outside said controlled access facility into an account maintained for the benefit of said resident;verifying, by said automated transaction processing system, identification data for said resident;obtaining from said resident, by said automated transaction processing system, contact information for the outside party;communicating, by said automated transaction processing system, said request to said outside party using said contact information;accepting, by said automated transaction processing system, an indication as to whether said party wishes to make said deposit to said account;receiving, by said automated transaction processing system, said deposit; andcrediting, by said automated transaction processing system, at least a portion of said deposit to said account.2. The method of wherein said contact information is an email address.3. The method of wherein said communicating further comprises emailing said request to said outside at said email ...

PAYMENT MESSAGE INTERFACE

Systems and methods for providing a payment messaging interface may include receiving, at a computing device comprising a processor, transaction information regarding the transaction. Once the transaction information is received, the transaction information may be translated into a data structure that corresponds to a payment processor. Once the transaction information has been translated, the data structure may be transmitted to the payment processor. 1. A method for processing a transaction , the method comprising:receiving, at a computing device comprising a processor, transaction information regarding the transaction;translating, by the computing device, the transaction information into a data structure that corresponds to a payment processor; andtransmitting, by the computing device, the data structure to the payment processor.2. The method of claim 1 , further comprising receiving claim 1 , from the payment processor claim 1 , a transaction status claim 1 , wherein the transaction status includes approved or denied.3. The method of claim 1 , wherein translating the transaction information further includes the data structure corresponding to a loyalty processor.4. The method of claim 3 , further comprising receiving claim 3 , from the loyalty processor claim 3 , a transaction status claim 3 , wherein the transaction status includes a discount to be applied to the transaction.5. The method of claim 1 , wherein receiving the transaction information includes receiving the transaction information in a message.6. The method of claim 5 , further comprising transferring the message to a message buffer.7. The method of claim 6 , further comprising receiving claim 6 , from the message buffer claim 6 , a reply message.8. The method of claim 6 , further comprising claim 6 , transferring the message buffer to a message processor.9. A system for processing a transaction claim 6 , the system comprising:a processor; and receive transaction information regarding the ...

SYSTEMS AND METHODS FOR TONE TO TOKEN TELECOMMUNICATIONS PLATFORM

Methods and systems are disclosed for enabling the generation of a token corresponding to a tone generated by a telephony system, comprising receiving one or more dual tone multi-frequency (DTMF) tones generated by a telephony system, generating a token based on the one or more DTMF tones; and transmitting the generated token to a merchant system. 120-. (canceled)21. A method for enabling the generation of a token corresponding to a tone generated by a telephony system , the method comprising:detecting, by a processor separate from a merchant system, a dual tone multi-frequency (DTMF) tone generated by a telephony system;intercepting, by the processor, the detected DTMF tone;tokenizing, by the processor, the intercepted DTMF tone to create a token; andprompting usage of the token to complete a transaction.22. The method of claim 21 , wherein the intercepted DTMF tone corresponds to cardholder data.23. The method of claim 21 , wherein the token comprises a low-value token.24. The method of claim 23 , further comprising:generating a high-value token based on the low-value token.25. The method of claim 24 , wherein the low-value token applies to one specific transaction and the high-value token applies to multiple transactions.26. The method of claim 24 , further comprising:prompting processing of a payment or transaction using the high-value token.27. The method of claim 21 , wherein the token is used for transactions including returns or price adjustments.28. A system for enabling the generation of a token corresponding to a tone generated by a telephony system claim 21 , the system comprising:a data storage device storing instructions for enabling the generation of a token corresponding to a tone generated by a telephony system; anda processor configured to execute the instructions to perform a method comprising:detecting, by a processor separate from a merchant system, a dual tone multi-frequency (DTMF) tone generated by a telephony system;intercepting, by the ...

SYSTEM AND METHOD FOR FACILITATING ACCOUNT-BASED TRANSACTIONS

Systems, methods and apparatus are presented for facilitating account-based transactions. In an embodiment, the method includes associating a first person with an account, associating a second person with the account, receiving a request from a third party to authorize a transaction between the second person and the third party, determining a first communication address of the first party, and contacting the first party. The process also includes determining that the first person desires to communicate with the second person, determining a second communication address of the second person, initiating a communication between the first person and the second person, and receiving a signal from the first person that authorizes the transaction or declines the transaction. 1. A method comprising:receiving, by a server in communication via a telecommunication network with at least one merchant, a request to authorize a transaction between a second person and a third party;determining, by the server, a first communication address of a first person associated with the second party and with an account;facilitating, via the server, contact with the first person via the first communication address;determining, by the server, a second communication address of the second person;initiating, by the server, a communication between the first person and the second person; andreceiving, by the server, a signal indicating that the first person authorizes the transaction.2. The method of claim 1 , further comprising transmitting the signal to the third party.3. The method of claim 1 ,wherein the account comprises a credit card account; and 'transmitting the signal to a card authorization terminal.', 'further comprising4. The method of claim 1 , wherein the first person is a controlling individual associated with the account.5. The method of claim 1 , further comprising:determining a monetary amount based on the communication; andcharging the monetary amount to the account.6. The method ...

VIRTUAL POS SYSTEM AND METHOD

The present invention relates to a token device for securely executing a data transaction. The token device comprises: a secure element; a web server module configured within the secure element and arranged to transmit data messages over a network; a terminal application module configured within the web server module; and an application module configured within the secure element. The terminal application module and the application module are arranged to execute the data transaction protocol as one or more data exchanges therebetween within the secure element, upon receipt of a service request data message, received over the network at the web server module from an authorised remotely located Point of Sale (POS) terminal. The web server module is subsequently arranged to generate a transaction response data message for transmission to the remotely located POS terminal, on successful completion of the transaction protocol. 1. A token device for securely executing a data transaction protocol , the token device comprising:a secure element;a web server module configured within the secure element and arranged to transmit data messages over a network;a terminal application module configured within the web server module;an application module configured within the secure element;the terminal application module and the application module being arranged to execute the data transaction protocol as one or more data exchanges therebetween within the secure element, upon receipt of a service request data message, received over the network at the web server module from an authorised remotely located Point of Sale (POS) terminal; and whereinthe web server module is arranged to generate a transaction response data message for transmission to the remotely located POS terminal, on successful completion of the transaction protocol.2. The token device of claim 1 , wherein the web server module is configured to determine if the received service request data message was sent from an ...

Method for financing purchases for others using a sender's charge account

A method allows a sender to buy goods or services for a third party immediately on an established account of the sender even before the sender pays for the expense occurred. The system works particularly well for purchases of mobile telephone airtime for others. In addition, the method works equally well for purchases of small amounts. The method utilizes SIMS protocol to send purchase orders in the form of text messages. The method takes advantage of existing technologies and contractual relationships that SIMS aggregators have with carriers. The method allows brokers to buy large quantities of goods and services such as mobile telephone airtime at discounted wholesale prices and then resell them in smaller quantities at higher retail prices.

Remote transaction processing with a point-of-entry terminal using bluetooth

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

METHOD, SYSTEM, AND COMPUTER PROGRAM PRODUCT FOR CONTROLLING ACCESS IN A NETWORK OF SERVERS

Provided is a method for controlling access in a network of servers, which may include generating a set of nodes including a node for each account of each server. For each respective node, at least one other node of the set of nodes having credential-free access to the respective node may be determined. For each respective node, an edge connecting the respective node to each of the other node(s) of the set of nodes having credential-free access may be generated. The set of nodes and edges may collectively define a graph. For at least a first node, second nodes of the set of nodes that have indirect access to the first node(s) via at least one of the other node(s) having credential-free access to the first node(s) may be determined based on the graph. A system and computer program product are also disclosed. 1. A method for controlling access in a network of servers , each server associated with at least one account , comprising:generating, with at least one processor, a set of nodes comprising a node for each account of each server of a network of servers;for each respective node of the set of nodes, determining, with at least one processor, at least one other node of the set of nodes having credential-free access to the respective node;for each respective node of the set of nodes, generating, with at least one processor, an edge connecting the respective node to each of the at least one other node of the set of nodes having credential-free access to the respective node, the set of nodes and the edges comprising a graph;determining, with at least one processor, a weight for each edge based on a number of users associated with the account of the at least one other node;for at least one first node of the set of nodes, determining, with at least one processor, at least one second node of the set of nodes having indirect access to the at least one first node via a path of edges from the at least one second node through at least one of the at least one other node having ...

MERCHANT MANAGED METHOD AND SYSTEM FOR TEXT-TO-PAY SUBSCRIPTIONS AT A BILLING SERVER

A subscription identifier is communicated between the billing server and subscription server. The billing server receives a subscription identifier text message from the user device. The billing server identifies a carrier server from the subscription identifier text message. The billing server receives an authorization text message from the user device in response to an authorization request text message and charges an account of the carrier server that has been identified. If the charge has been successful, then the billing server transmits a renewal notification text message to the subscription server. The subscription server updates an account having the subscription identifier to reflect a new expiration. 1. A method of managing subscriptions with a billing server comprising: receiving a first opt-in request at the billing server, the first op-in request being a text message from a user mobile phone at a msisdn;', 'generating, with the billing server, a PIN code;', 'transmitting, with the billing server, a text message to a user mobile phone at the msisdn with the PIN code;', 'receiving a second opt-in request, the second opt-in request being a request from a subscription server received at the billing server and including a PIN code;', 'verifying, at the billing server, the PIN code received in the second opt-in request against the PIN code transmitted in the text message; and', 'recording, at the billing server, an opt-in status as active for the msisdn within the data structure if the PIN code is verified; and, 'a) executing an opt-in method with the billing server, including receiving, at the billing server, a charge API call from a subscription server at the billing server, including at least one identifier and an amount;', 'determining an opt-in status corresponding to the identifier at the billing server; and', 'transmitting a request to charge a user account to a carrier server if the opt-in status is active, but not if the opt-in status is inactive, ...

METHOD, SYSTEM AND SERVER SYSTEM OF PAYMENT BASED ON A CONVERSATION GROUP

A method and device of requesting and receiving payment in a group chat environment are disclosed. The method includes: displaying a conversation interface of a group chat session for a pre-established conversation group, the pre-established conversation group including a user of the user device and a plurality of other users participating in the pre-established conversation group; providing, in the conversation interface of the group chat session, a control for requesting payment from the pre-established conversation group; detecting an input from the user invoking the control for requesting payment from the pre-established conversation group; and in response to detecting the input from the user, posting a group payment request as a chat message to the group chat session. 1. A method of requesting and receiving payment in a group chat environment , comprising: displaying a conversation interface of a group chat session for a pre-established conversation group, the pre-established conversation group including a user of the user device and a plurality of other users participating in the pre-established conversation group;', 'providing, in the conversation interface of the group chat session, a control for requesting payment from the pre-established conversation group;', 'detecting an input from the user invoking the control for requesting payment from the pre-established conversation group; and', 'in response to detecting the input from the user, posting a group payment request as a chat message to the group chat session., 'at a user device having one or more processors and memory for storing one or more programs to be executed by the one or more processors2. The method of claim 1 , wherein posting the group payment request as a chat message to the group chat session comprises:sending the group payment request to a server of the group chat session, wherein the group payment request including a group identifier for the pre-established conversation group, and wherein ...

Money transfer in a forum using a payment proxy

Described is a technology for executing financial transactions, e.g., payment transfers, by enabling a sender to trigger a money transfer by specifying, in any communication message, a payment proxy having a particular syntax, the syntax including a currency indicator preceding one or more alphanumeric characters. The payment proxy having the syntax indicates an intent of the sender to transfer money to a recipient associated with that payment proxy. The technology can include systems and methods of transferring money by use of a payment proxy within the context of a forum (e.g., social networking platform, microblog, blog, application, etc.). Messages of users in the forum can be monitored to detect for any user's intent to transfer money to a recipient. For example, forum messages can be parsed to identify the syntax carried by a user input in a forum message.