СПОСОБ И УСТРОЙСТВО ДЛЯ МОБИЛЬНОЙ ОПЛАТЫ

Изобретение относится к области мобильных платежей. Техническим результатом является повышение защищенности мобильных платежей. Способ включает: задание при принятии платежной информации статуса платежной операции как состояния, недопустимого для операции; принятие команды аппаратной операции, введенной пользователем путем нажатия аппаратной клавиши; и обновление статуса платежной операции на состояние, допустимое для операции, в том случае, если команда аппаратной операции соответствует заданному условию, которое предусматривает, что аппаратная информация в команде аппаратной операции соответствует заданной аппаратной информации. 3 н. и 10 з.п. ф-лы, 12 ил.

ПРИЛОЖЕНИЕ "ЦИФРОВОЙ КОШЕЛЕК" ДЛЯ МОБИЛЬНОГО ПЛАТЕЖА

Изобретение относится к области вычислительной техники. Технический результат заключается в повышении эффективности использования мобильной платежной карты при роуминге пользователя. Технический результат достигается за счет получения, в ответ на запрос предоставления, второго набора данных, назначенного мобильной платежной карте для работы в выбранной роуминговой системе, причем второй набор данных содержит роуминговый признак и роуминговое платежное приложение, подлежащее установке в мобильное устройство для взаимодействия с приложением цифрового кошелька, причем роуминговый признак выполнен с возможностью аутентификации операций, выполняемых в выбранной роуминговой платежной системе; конфигурирования упомянутого приложения цифрового кошелька с помощью упомянутого второго набора данных, так чтобы приложение могло использовать мобильную платежную карту в выбранной роуминговой платежной системе; и выполнения сконфигурированного с помощью упомянутого второго набора данных, совместно с роуминговым ...

ЭЛЕКТРОННОЕ УСТРОЙСТВО ДЛЯ АВТОМАТИЗАЦИИ РАБОТЫ АВТОЗАПРАВОЧНОЙ СТАНЦИИ

Настоящая полезная модель относится к области обработки данных, а более конкретно к электронным устройствам для автоматизации работы автозаправочной станции, включающим в себя сервер, имеющий первый модуль обмена данными посредством объединенной сети с клиентскими устройствами пользователей автозаправочной станции, выполненный с возможностью получения данных о параметрах заказа пользователей, который соединен с вычислительным модулем, обрабатывающим данные, который соединен со вторым модулем обмена данными посредством объединенной сети с исполнительными устройствами автозаправочной станции, осуществляющими отпуск топливной продукции. Сервер включает в себя соединенный с вычислительным модулем третий модуль обмена данными посредством объединенной сети с удаленными устройствами, содержащими базы данных о товарах, а вычислительный модуль выполнен с возможностью передачи на первый модуль данных с третьего модуля о товарах и со второго модуля об объеме отпущенной пользователю топливной продукции ...

СПОСОБ И УСТРОЙСТВО ДЛЯ ВЫПОЛНЕНИЯ ПЛАТЕЖЕЙ ЧЕРЕЗ СОЦИАЛЬНЫЕ СЕТИ

... 1. Способ платежа в социальной сети, содержащийприем команды платежа от пользователя через сетевой интерфейс;предложение пользователю назначить друга для получения платежа;предложение пользователю назначить источник финансирования для платежа;запрос у пользователя суммы платежа;создание процессором кода погашения для платежа;уведомление друга о платеже и коде погашения через сетевой интерфейс.2. Способ платежа в социальной сети по п. 1, дополнительно содержащий предложение пользователю использовать свои навыки выполнения платежей.3. Способ платежа в социальной сети по п. 2, дополнительно содержащий определение обменного курса для платежа, когда платеж является международной финансовой транзакцией.4. Устройство социальной сети, содержащеесетевой интерфейс, сконфигурированный для приема команды платежа от пользователя;пользовательскую базу данных, закодированную в долговременной считываемой компьютером запоминающей среде, где база данных содержит запись профиля пользователя, причем запись ...

СПОСОБ, УСТРОЙСТВО И СИСТЕМА АУТЕНТИФИКАЦИИ ЛИЧНОСТИ

Изобретение относится к области вычислительной техники. Технический результат заключается в повышении эффективности и точности идентификации пользователя. Способ содержит этапы, на которых: принимают посредством интерактивной части интерактивную команду, инициированную применительно к пользователю; получают посредством интерактивной части информацию о личности пользователя на основании интерактивной команды; отправляют посредством интерактивной части запрос идентификации на серверную часть и передают посредством интерактивной части сообщение связи ближнего поля. 2 н. и 8 з.п. ф-лы, 13 ил.

Способ и устройство онлайн-оплаты

Изобретение относится к способу управления терминалом и устройствам онлайн-оплаты. Технический результат заключается в обеспечении безопасности онлайн-оплаты. Способ поддерживает механизм более чем одной учетной записи для выполнения онлайн-оплаты и включает в себя установку одной из более чем одной учетной записи в качестве безопасной учетной записи системы, которая обеспечивает безопасную среду оплаты, причем приложения, устанавливаемые и выполняемые с безопасной учетной записью системы, являются теми, которые проходят проверку безопасности, вход в безопасную учетную запись системы и выполнение операций оплаты с безопасной учетной записью системы, при этом вход в безопасную учетную запись системы включает при обнаружении операции оплаты определение, является ли текущая учетная запись системы безопасной учетной записью системы, и если текущая учетная запись системы не является безопасной учетной записью системы, то переключение на безопасную учетную запись системы. 3 н. и 18 з.п. ф-лы, ...

БИОМЕТРИЧЕСКОЕ РЕШЕНИЕ, ОБЕСПЕЧИВАЮЩЕЕ ВОЗМОЖНОСТЬ ОПЛАТЫ ПРОЕЗДА И ДОСТУПА К СИСТЕМЕ В ВЫСОКОСКОРОСТНОМ РЕЖИМЕ

БЕСПРОВОДНОЕ УПРАВЛЕНИЕ ПРИКЛАДНОЙ ПРОГРАММОЙ ОПЛАТЫ, УСТАНОВЛЕННОЙ В МОБИЛЬНОМ УСТРОЙСТВЕ

... 1. Мобильное беспроводное устройство, содержащее: ! процессор; ! память; ! прикладную программу оплаты, установленную на мобильном беспроводном устройстве; и ! набор сохраненных в памяти команд, которые при исполнении процессором реализуют способ, содержащий этапы, на которых: ! принимают данные управления доступом для установленной прикладной программы оплаты по беспроводной сети; и ! в зависимости от данных управления доступом разрешают пользователю выполнить доступ к функциональной возможности прикладной программы оплаты или препятствуют выполнению доступа пользователем к функциональной возможности прикладной программы оплаты. ! 2. Мобильное беспроводное устройство по п.1, в котором данные управления доступом включают в себя одну или более установок для индикатора управления доступом, алфавитно-цифровой строки данных или значения для одного или более элементов данных управления доступом. ! 3. Мобильное беспроводное устройство по п.1, в котором реализованный способ дополнительно содержит ...

MOBILES FERNBEZAHLSYSTEM MIT AUF ABSTAND MITTELS FERNÜBERTRAGUNG WIEDERAUFLADBAREN ZUGANGSRECHTEN ZU GEBRAUCHSDIENSTLEISTUNGEN FÜR AUTOFAHRER

WERTMARKENLIEFERSYSTEM

A system and method of processing a secure payment transaction

A device specific four factor authentication process for a mobile transaction in a system comprising a mobile computing device 3 e.g. a smartphone, an e-commerce website 5, an independent authentication webserver 9 and an independent payment service provider (PSP) 11, the user confirming the transaction with each of the authentication webserver and the PSP individually. The transaction may be initiated on the device or a separate computer and a secure payment or PAYDAP(RTM) option may be selected on the e-commerce website wherein the user of the smartphone provides a unique contact identifier, e.g. the phone number of the device, to the authentication webserver 100 which responds by sending a transaction payment request to the associated device 200. The user confirms the request by fulfilling the transaction payment request 300 e.g. by logging into a mobile payments application using a PIN, password or login name, and the authentication webserver then instructs the e-commerce website and ...

Method and system for in-store purchase of security-tagged items while avoiding the point of sale

Methods and a system 100 for enabling in-store purchasing of security-tagged merchandise 20 while avoiding going through a point of sale of a retailer. A user-coupled device 110 is configured to identify a security tag 120 attached to a specific item 20 to be purchased, wherein the security-tag 120 is unique to the specific identified item. A purchase request is initiated via the user-coupled device, wherein the request includes a price of the item and identifiers of: the item 20, the security-tag identification 122, the retailer, and the consumer 10. A remote server 130 is configured to attempt a transaction based on the purchase request, wherein the transaction is capable of being authorised by a third party 40; and indicate at a data repository 140 associated with an in-store security gate 50 sensitive to said security tag 120, that said security tag is no longer capable of initiating an alarm at said in-store security gate, only if the transaction was authorised by the third party 40 ...

Method of,and system for,transferring consumable data to a non-volatile memory and a secondary station for use in such a system

Authentication methods and systems

System for credential authorisation

A system 1 for authorisation of use of a credential such as a credit card comprises a user interface device 3, such as a mobile phone, which is capable of communicating with a remote station 7, such as an electronic funds transfer point of sale unit 11 of a trader, the remote station 7 is operative to transmit information to the computer relating to the use of a credential so as to elicit a response from the computer such that in use an action is taken on the basis of the response from the computer, the response being dependent on the information transmitted to the computer so as to determine whether intervention by a person controlling provision of authorisation for use of the credential is required by way of the user interface device 3 and if intervention is required then what intervention is required. The computer may prompt the user to enter a predetermined input on the user interface device 3 which signifies whether the user wishes to authorise the use of the credential. The credential ...

Detecting porting or redirection of a mobile telephone number

A method of detecting porting or redirection of a mobile telephone number comprises: receiving a response message from a mobile device after a telephone call has been placed to a first mobile telephone number, or a message has been sent to the first mobile telephone number, the response message including an apparatus identifier (IMEI, MEID) associated with the mobile device and a subscriber identifier (IMSI) associated with the mobile device. The method further comprises comparing the received apparatus identifier to an apparatus identifier associated with the first mobile telephone number and comparing the received subscriber identifier to a subscriber identifier associated with the first mobile telephone number. The results of the comparisons are indicative of porting or redirection of the first mobile telephone number. The method is used to detect fraudulent interception of an authentication telephone call to a user in an internet banking transaction.

Using eye-tracking for authentication in payment systems

A method of unlocking a pattern lock comprises transmitting a pattern diagram from a server and displaying the diagram to a user, allowing the user to trace a movement path on the displayed diagram, and determining whether the traced movement path matches a pre-stored unlock movement path. The movement path may be traced by swiping a touch screen (not shown). Preferably, the movement path is traced using eye-tracking means to determine movement of the user's eye whilst gazing at the diagram. A payment method using the pattern-unlocking method as a means of authenticating a user when making payments at retail sites or online is also claimed. The payment method preferably includes additional security steps comprising creating and displaying a one-time or single use authentication code on a user device which can be read by a merchant device in order to authenticate the user, and/or providing the merchant with a stored image of a registered user such that the merchant can visually verify the ...

Virtual payment card

Hybrid vehicle satellite navigation system with integrated contactless payment processing

Point transaction system and method for mobile communication device

A point transaction system for mobile communication device comprises at least an encryption chip 1, a function menu 11 defined in the encryption chip 1, a plurality of storage devices and at least a point unit 3. The encryption chip 1 is integrated with the SIM card 41 in an electronic communication device 4, the storage devices 2 are connected respectively to the electronic communication device 4, and the point unit 3 is connected to the plurality of storage devices. To transmit the point unit 3, the user operates the electronic communication device 4, in combination with the operation of the encryption chip 1, a randomly generated encryption code is transmitted to the electronic communication device 4 at the receiving side, and the receiving side is informed by a message that a point unit 3 is transmitted. The points are electronic money (e-money) obtained by transforming cash or real currency into points. In an alternative embodiment a method includes: a first user changes the currency ...

System and method for a digital financial system

Electronic table mat

An electronic table mat 101 comprises a body onto which an item can be placed. The table mat comprises an electronic system with a display device and an input device, which may be a touchscreen. A data processor with access to data storage for controlling a visual output displayed by the display device is included. The mat further comprises a wireless communication device and a power device. The beer mat may be part of a system that comprises at least one electronic table mat and a user terminal configured to communicate wirelessly with the at least one electronic table mat. The system includes remote content management of the or each electronic table mat allowing content to be presented by each electronic table mat to be added, modified or deleted using the user terminal. The system may also include a wireless communication device and network, and the system may allow each electronic table mat to be managed from the user terminal via the wireless communication device.

Issuing and storing of payment credentials

Method and system for managing digital items

Expansion device placement apparatus

ELECTRONIC TRANSACTION FRAUD PREVENTION SYSTEM

DEVICE AND SYSTEM FOR ELECTRONIC FUND TRANSFER

Method and system for managing digital items

DEVICE AND SYSTEM FOR ELECTRONIC FUND TRANSFER

SYSTEMS, METHODS AND DEVICES FOR PROVIDING A SINGLE-USE PAYMENT CREDENTIAL

Secure payment and billing method using mobile phone number of account

METHOD AND SYSTEM FOR MOBILE IDENTIFICATION, COMMERCE AND AGREEMENT TRANSACTIONS

Mobile banking system with cryptographic expansion device

METHOD AND SYSTEM FOR MANAGING DIGITAL ITEMS

Expansion device placement apparatus

Issuing and storing of payment credentials

Expansion device placement apparatus

Secure payment and billing method using mobile phone number or account

ELECTRONIC TRANSACTION FRAUD PREVENTION SYSTEM

Method and system for managing digital items

cryptographic

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

Method and system for mobile identification, commerce and agreement transactions

Systems, methods, and computer readable media for payment and non-payment virtual card transfer between mobile devices.

Mobile funding method and system

Mobile banking system with cryptographic expansiondevice

Telepayment method and system for implementing said method.

ELECTRONIC TRANSACTION FRAUD PREVENTION SYSTEM

SYSTEMS, METHODS AND DEVICES FOR PROVIDING A SINGLE-USE PAYMENT CREDENTIAL

Mobile banking system with cryptographic expansiondevice

Secure payment and billing method using mobile phone number or account

cryptographic

Mobile funding method and system

Method and system for mobile identification, commerce and agreement transactions

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

Secure payment and billing method using mobile phone number or account

Method and system for mobile identification, commerce and agreement transactions

Issuing and storing of payment credentials

Mobile banking system with cryptographic expansiondevice

cryptographic

DEVICE AND SYSTEM FOR ELECTRONIC FUND TRANSFER

Expansion device placement apparatus

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

SYSTEMS, METHODS AND DEVICES FOR PROVIDING A SINGLE-USE PAYMENT CREDENTIAL

PROCEDURE FOR THE REMOTE PAYING AND SYSTEM FOR DURCHF�HRUNG THE PROCEDURE

DEVICE AND PROCEDURE FOR THE OPERATION OF ELECTRONIC USER EQUIPMENT FROM A PORTABLE TELECOMMUNICATIONS DEVICE

PROCEDURE FOR THE ADMINISTRATION OF PARKING VEHICLES

SECURED PAYMENT PROCEDURE

Systems, devices, and methods for linking online behavior to offline payment transactions

Systems, methods, and devices for linking a consumers online behavior to an offline payment transaction are disclosed. A first mapping between an identifier of the consumer and an identifier of a payment card of the consumer is generated. A second mapping between the identifier of the consumer and an identifier of an online behavior of the consumer is generated, in association with visiting a webpage. Data reflective of an offline payment transaction is received, the data comprising the identifier of the payment card. A link between the online behavior and the offline transaction is identified by processing the generated first mapping, the generated second mapping, and the received data.

Communication services

Making a payment via financial service provider

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.

CREDIT CARD BILLING

Payment apparatus and method using barcode stored in mobile communication terminal

Method and system for access and usage management of a server application by a wireless communications appliance

User interface for loyalty accounts and private label accounts

The present disclosure generally relates to the use of loyalty accounts, private label payment accounts, and general payment accounts using an electronic device with an electronic wallet. Various accounts are linked to the electronic device. In some examples, the electronic device is NFC-enabled. The electronic device may be used to provide loyalty account information and payment account information to a payment terminal, such as an NFC-enabled payment terminal.

Prioritizing potential transaction counter-parties with social network content

A user installs a Peer-to-Peer Payment Application ("PPA") on their mobile device. The PPA transmits the location of the user device to a server located in a Peer-to-Peer Payment System ("PPS"). The PPS may search for other devices within a certain proximity to the user that may be active. The PPS may search the social network content of the user to determine if any of the proximate devices users are likely counter-parties. If more than one likely counter-party is identified, the PPS may rank the counter-parties according to a preconfigured set of factors that define the strength of the connection to the user. These factors may include their status in the user's social networks, frequency of contact, prior transactions, or other factors that further establish a relationship. The PPS may transmit the ranked list of likely counter-parties to the PPA for display to the user on the device. 22) ...

Method and system for securely entering identification data in order to authenticate a transaction carried out by means of a self-service terminal

For self-service terminals, such as e.g. cash machines, identification data in the form of a PIN are usually entered on the keyboard of the cash machine. Said keyboards have encryption mechanisms, are produced as EPPs (Encrypting I Pads) and are very expensive. When a PIN is entered, being watched cannot be ruled out. In order to solve these problems, a method and a system for authenticating and carrying out a transaction at a self-service terminal, particularly a cash machine (ATM), is specified, wherein the system comprises the following system components: a first computer-supported unit (PINSRV), which forms a second data set containing second elements (A, B, C,... J) for a first data set containing first elements (0, 1, 2, 3,... 9) from which identification data (PIN) are formed, each of which second elements is allocated, on a one-to-one basis, to one of the first elements; a screen (DISP) which is structurally connected to the self-service terminal (ATM) and displays the one-to-one ...

Social payment method and apparatus

A system, method, and computer-readable storage medium configured to facilitate electronic payments through social networks.

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.

Transaction processing system and method

A secure storage system securely stores customer information including, for a customer, payment account information, mobile communications device access information and customer verification information associated with mobile communications device identification information. Transactions can be conducted at a merchant system without the merchant system being provided with customer payment account details on presentation of the mobile communications device, payment being effected though the use of the secure storage system interacting with a merchant terminal device and an application on the mobile communications device.

ELECTRONIC WALLET CHECKOUT PLATFORM APPARATUSES, METHODS AND SYSTEMS

The Electronic Wallet Checkout Platform Apparatuses, Methods And Systems (EWCP) transform customer purchase requests triggering electronic wallet applications via EWCP components into electronic purchase confirmation and receipts. In one implementation, the EWCP receives a merchant payment request, and determines a payment protocol handler associated with the merchant payment request. The EWCP instantiates a wallet application via the payment protocol handler. The EWCP obtains a payment method selection via the wallet application, wherein the selected payment method is one of a credit card, a debit card, a gift card selected from an electronic wallet, and sends a transaction execution request for a transaction associated with the merchant payment request. Also, the EWCP receives a purchase response to the transaction execution request, and outputs purchase response information derived from the received purchase response. WO 2013/006725 PCT/US2012/045601 Cc, U, cc 0-oo -0 Ec= 3:9-c -M (5 ...

Smart card transactions using wireless telecommunications network

Electronic payment system and method

WIRELESSLY ACCESSING BROADBAND SERVICES USING INTELLIGENT COVERS

The present disclosure is directed to a system and method for wirelessly accessing broadband services using intelligent covers. In some implementations, a cover for a consumer device includes side surfaces, a rear surface, a physical interface, a circuit, and a broadband service card. The side surfaces and a rear surface form an opening that receives at least a portion of a consumer device. A first portion of at least one of the surfaces includes a connector for connecting to a port of the consumer device. The circuit connects the physical interface to the connector. The broadband service card connected to the physical interface and accesses a service foreign through the wireless broadband network independent of the consumer device.

PAYMENT SYSTEMS AND METHODS USING MOBILE COMPUTING DEVICES

Systems and methods for the processing of payments to retail establishments using mobile computing devices. A user of a mobile computer device takes a digital image of a specific bar code at a retail establishment. A token is then derived from the bar code and the token is transmitted by the device to a server with whom the device and its user are registered with. The retail establishment packages the details regarding the proposed purchase by the user along with a token derived from the same bar code. The retail establishment then sends the package to the same server. The server then checks the two tokens received and, if they match, then the server effects payment from one of the user's payment options to the retail establishment. Both the user and the retail establishment are then notified of the payment.

NFC TRANSACTION SERVER

L'invention concerne un système de transaction à champ proche comprenant un premier dispositif de transaction (TT) comprenant des moyens de communication à champ proche (AC2), et un dispositif portable (HD2) comprenant des moyens de communication à champ proche (NFCC, AC3). Le système comprend en outre au moins un serveur de transaction (SV1) comprenant une zone mémoire comprenant au moins un programme application (CAPj, PAPj), et des moyens (CXP, SDV, GST) pour établir une liaison de données (CX2) entre le serveur (SV1) et les moyens de communication à champ proche (NFCC, AC3) du dispositif portable. Le programme application (CAPj, PAPj) est configuré pour conduire une transaction avec le premier dispositif de transaction (TT), en utilisant les moyens de communication à champ proche du dispositif portable comme un relais de proximité pour communiquer avec le premier terminal de transaction.

MOBILE TELEPAYMENT SYSTEM FOR ACCESS RIGHTS TO SERVICES FOR MOTORISTS, RENEWABLE BY REMOTE DISPLAY PAGING

La présente invention concerne un système mobile de télépaiement des droits d'accès à des services à l'usage des automobilistes, renouvelable à distance par radiomessagerie, utilisé pour des services dédiés au stationnement payant et/ou au télépéage, comportant des moyens d'émission, un terminal portable spécifique (10) comprenant un écran de visualisation (13) installé dans un véhicule, une carte électronique (12) à la disposition d'un usager, apte à être insérée dans ledit terminal de manière à l'activer et à donner à cet usager, lors de la réception d'un signal en provenance des moyens d'émission, un accès à au moins un desdits services, des moyens de commande (20), à la disposition de cet usager, ayant accès à un serveur (23) relié aux moyens d'émission, ces moyens de commande (20) permettant à cet usager de demander le téléchargement (25) de droits d'utilisation de ce (ou ces) service(s) sur le terminal portable (10) et de les afficher sur l'écran de visualisation de celui-ci, contre ...

METHODS FOR ACCESS POINT SYSTEMS AND PAYMENT SYSTEMS THEREFOR

Methods for access points and corresponding payment systems which facilitate access to a data network by a user device for payments of very small monetary amounts in an access now and pay latter arrangement. The method for such a payment system for at least one access point or access point server relies on an identifier associated with a mobile device for recording such identifier; receiving and confirming direct debit orders from the associated mobile device for access to a data network; and for storing the direct debit orders. Such payment system method monitors the total of the debit amounts in relation to the identifier and requests a user of the mobile device to register and settle at least a portion of the total amount after a predetermined time interval and/or on exceeding a predetermined total debit amount, in order to settle at least part of such total debit amount. In accordance with such requests, the access points may provide the user device with limited access to the data network ...

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 ...

METHOD AND SYSTEM FOR IN-STORE PURCHASE OF SECUIRITY-TAGGED ITEMS WHILE AVOIDING THE POINT OF SALE

A method and a system for enabling in-store purchasing of security-tagged merchandise, avoiding going through the point of sale of a retailer, are provided herein. The method may include the following steps: identifying, using a user-coupled device, a security tag attached to specific item to be purchased, wherein the security-tag is unique to the specific identified item; initiating a purchase request of said item via the user-coupled device, wherein the request includes a price of the item and identifiers of: the item, the security-tag identification, the retailer, and the user; attempting a transaction based on the purchase request, wherein the transaction is capable of being authorised by a third party; and indicating at a data repository associated with an in-store security gate sensitive to said security tag, that said security tag is no longer capable of initiating an alarm at said in-store security gate, only in a case that the transaction was authorized by the third party.

METHOD AND SYSTEM FOR ELECTRONIC DISTRIBUTION OF CONTROLLED TOKENS

A method for distributing controlled tokens to a secondary mobile device includes: storing account profiles, each including an account identifier, set of token credentials, and an associated mobile device identifier; receiving a token distribution request from, a first mobile device including a first mobile device identifier, recipient mobile device identifier, specific account identifier, and account controls; identifying a specific account profile including the specific account identifier and first mobile device identifier; generating a single use identification value and reservation identifier; transmitting the single use identification value to the first mobile device; transmitting the reservation identifier to a second mobile device associated with the recipient mobile device identifier; receiving the reservation identifier and the single use identification value from the second mobile device; verifying the reservation identifier and single use identification value received from the ...

SYSTEM AND METHOD FOR INTEGRATING A BEVERAGE DISPENSING APP FOR ORDERING AND DISPENSING A BEVERAGE

A system and method may present, by a first application being executed by an electronic device, a first user interface that enables a user to select a food item and/or non-food item for purchase at a retail establishment. In response to receiving, by the first application, a request from the user using the first user interface to purchase a beverage at the retail establishment, a second application may be linked with the first application. A data repository inclusive of selectable beverage options available for dispensing by a beverage dispenser at the retail establishment may be accessed. The second application may present a second user interface for selection of a selectable beverage option. A selected beverage instruction code representative of a selected beverage may be generated and communicated to the beverage dispenser at the retail establishment to cause the beverage dispenser to be configured for dispensing the selected beverage.

A SYSTEM AND METHOD FOR VERIFYING A USER'S IDENTITY IN ELECTRONIC TRANSACTIONS

The invention described herein is a method and system for verifying the i dentity of a user by a verifier in the course of an electronic transaction. The invention provides a process and a system for blocking an account until a verifier completes an identity verification process for verifying the iden tity of the person initiating the transaction. The process comprises pre-enr olling the person and the person's personal communication device. Optionally , one or more accounts are enrolled by flagging the accounts such that trans actions are subject to user identity verification. At the time a transaction is initiated, a verifier sends an identification verification request (IVR) to the portable communication device of the person initiating the electroni c- transaction. The person then verifies his/her identity by supplying a sec ure identifier in response to the IVR. Optionally, the person is asked to au thorize the transaction before the transaction is accepted.

SYSTEMS, DEVICES, AND METHODS FOR LINKING ONLINE BEHAVIOR TO OFFLINE PAYMENT TRANSACTIONS

Systems, methods, and devices for linking a consumer's online behavior to an offline payment transaction are disclosed. A first mapping between an identifier of the consumer and an identifier of a payment card of the consumer is generated. A second mapping between the identifier of the consumer and an identifier of an online behavior of the consumer is generated, in association with visiting a webpage. Data reflective of an offline payment transaction is received, the data comprising the identifier of the payment card. A link between the online behavior and the offline transaction is identified by processing the generated first mapping, the generated second mapping, and the received data.

THREE-DIMENSIONAL TRANSACTION AUTHENTICATION

To enhance security of interactions between users of electronic transaction devices and service providers, while protecting account information of the users from the service providers, a trusted transaction service provider facilitates establishment of trust of the service provider. The transaction service provider further facilitates transfer of only user selected account information from the user's electronic transaction device to the service provider and providing a confrmation of the completed transfer of the user selected account information.

FACILITATING SENDING AND RECEIVING OF PEER-TO-BUSINESS PAYMENTS

The present disclosure relates to systems, methods, and devices for enabling peer to business payments using an integrated payment and messaging system. In particular, the integrated payment and messaging system allows users to send electronic payments as well as exchange messages with a merchant. The integrated payment and messaging system can improve security by allowing a user to make a purchase without having to provide sensitive financial information to the merchant. In addition, the integrated payment and messaging system can allow a user to make a payment for an order seamlessly during a conversation with the merchant.

SELECTIVELY SWITCHING ANTENNAS OF TRANSACTION CARDS

The present disclosure is directed to a system and method for selectively switching antennas of transaction cards. In some implementations, a method includes physically interfacing a card with a mobile host device including a Graphical User Interface (GUI). The card executes wireless financial transactions independent of the mobile host device. User credentials used to execute financial transactions with retail terminals are stored. Information is presented through the GUI of the mobile host device. An antenna of the card is selectively switched between an activate state and an inactive state in response to at least an event.

Transactional services

Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.

Transactional services

Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.

Transactional services

Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.

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.

Navigating an information hierarchy using a mobile communication device

Systems and methods are provided for navigating an information hierarchy using a mobile communication device. The method comprises causing a plurality of selectable items to be presented on a display associated with the mobile communication device, in response to receiving, via an audio input device associated with the mobile communication device, a first voice command indicating that one of the plurality of selectable items is to be selected, causing one of the selectable items in the plurality of selectable items to be displayed differently from the other selectable items to thereby form an accentuated selectable item, and, in response to receiving, via the audio input device, a second voice command indicating that the accentuated selectable item is to be selected, causing information associated with the accentuated selectable item to be presented on the display.

Transactional services

Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.

Transactional services

Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.

Transactional services

Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.

Transactional services

Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.

System and method for paying citations using sms text messaging

A system and method are provided for enabling the recipient of a citation to pay the associated fine using SMS text messaging. The system includes a server platform programmed to receive an SMS text from a customer, the SMS text including a citation number, a unique identifier for the municipality that issued the citation, and an RFID transponder number and/or a license plate number for the customer that is linked to a payment device, such as a credit card account. Upon receipt of the SMS text, the server platform validates the citation number and municipality unique identifier against a citation database, charges a percentage of the amount of the citation to the payment device linked to the RFID transponder number or license plate number (e.g., a credit or debit account on file), and transfers payment of the percentage of the citation amount to the municipality identified by the unique identifier. The server platform also sends confirmation of payment of the citation to the customer via an SMS text message. The server platform extracts a processing fee for processing payment of the citation.

Methods And Systems For Facilitating Or Executing Electronic Payment Transactions

A method for executing an electronic payment transaction may include initiating or receiving notification of the initiating of a communication session with a wireless data connection enabled computing device, sending a payment transaction request during the communication session for the wireless data connection enabled computing device, and receiving a payment confirmation or a rejection of the payment transaction request to conclude the payment transaction.

Payment systems and methods using mobile computing devices

Systems and methods for the processing of payments to retail establishments using mobile computing devices. A user of a mobile computer device takes a digital image of a specific bar code at a retail establishment. A token is then derived from the bar code and the token is transmitted by the device to a server with whom the device and its user are registered with. The retail establishment packages the details regarding the proposed purchase by the user along with a token derived from the same bar code. The retail establishment then sends the package to the same server. The server then checks the two tokens received and, if they match, then the server effects payment from one of the user's payment options to the retail establishment. Both the user and the retail establishment are then notified of the payment.

Wirelessly accessing broadband services using intelligent covers

The present disclosure is directed to a system and method for wirelessly accessing broadband services using intelligent covers. In some implementations, a cover for a consumer device includes side surfaces, a rear surface, a physical interface, a circuit, and a broadband service card. The side surfaces and a rear surface form an opening that receives at least a portion of a consumer device. A first portion of at least one of the surfaces includes a connector for connecting to a port of the consumer device. The circuit connects the physical interface to the connector. The broadband service card connected to the physical interface and accesses a service foreign through the wireless broadband network independent of the consumer device.

Method For Monetizing Online Content on the Internet

A computer-implemented system for monetizing internet content. In an embodiment, the system includes an internet content provider providing online content and an online section with the online content for containing an expression of at least one reader's posted thoughts or opinion. The online section is capable of having posted thereto the expression of the at least one reader's thoughts or opinion in a free default format or a fee-paid distinctive format. The system also has a processor for executing the computer executable instructions and a memory for storing at least the computer executable instructions.

Systems and methods for transferring funds from a sending account

Provided herein are methods and systems for transferring funds from a sending account to a payee. In embodiments, the sending account may be a pre-paid wireless telephone account. The methods and systems may involve a transaction management system, an account setup module, a funds transfer module and a reporting module.

Authentication using application authentication element

Embodiments of the present invention can be directed to systems, apparatuses, and methods for performing transactions through mobile communication devices using telecommunications networks, systems, or proximity near-field communications systems. Embodiments may be directed to a mobile communication device displaying an application authentication element including a pre-selected authentication element. The application authentication element may include transaction data associated with a transaction conducted by a mobile communication device. The mobile communication device may obtain the pre-selected authentication element by either transmitting a request to a server computer or retrieving the pre-selected authentication element from a secure memory in the mobile communication device. A user authentication token may then be received by the mobile communication device from the user. The mobile communication device may then generate a secret token derived from the user authentication token, and if the secret token is correlated to a secret reference token, a transaction may be conducted.

Methods and systems for cardholder initiated transactions

A cardholder-initiated financial transaction using a cardholder controlled input device in communication with a payment card network and a database is disclosed. The cardholder uses a payment card issued to the cardholder by an issuer bank. An exemplary method includes the steps of storing merchant data within the database including data identifying the merchants registered to utilize the card network and receiving from the input device transaction data relating to the financial transaction. The transaction data includes an authorization request and merchant identifying data that identifies the merchant involved in the transaction. The method further includes determining that the identified merchant is registered to utilize the card network by comparing the transaction data with the merchant data stored in the database, forwarding the authorization request to the issuer bank, receiving a response to the request from the issuer bank, and automatically forwarding the response to the input device.

Mobile transaction method and portable electronic device for mobile transaction

A mobile transaction method is implemented using a portable electronic device for processing a transaction through an electronic transaction platform. The portable electronic device is removably coupled to a payment card that stores payment account information. In the method, the portable electronic device is operable to generate transaction information related to the transaction, to obtain the payment account information from the payment card, to establish a session and communicate with the electronic transaction platform, and to collaborate with the electronic transaction platform to process payment for 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.

Combicard transaction method and system having an application parameter update mechanism

Systems, methods and IC card devices are described for updating parameters such as unblocking or blocking or re-blocking an application on an IC card device whereby an integrated circuit card device gets issued with one or more active applications and optionally one or more dormant applications. Post issuance, triggered by a cardholder action when using a primary application, the issuer will send a command, e.g. in the form of a script to the card that will update parameters of another application, e.g. to ‘wake up’ the or each dormant application. An on-card mechanism is provided for the deblocking of the dormant application while the primary application is active. For any further transactions performed with the card, the cardholder will be offered a choice between the unblocked applications on the card. Optionally the oncard mechanism can also block or re-block an application or perform other actions.

Peer to peer transfer between two mobile devices with embedded nfc

A method for configuring a mobile communication device to perform transactions using a second communication channel that is different from a first communication channel through which the mobile communication device sends voice data. The method includes attaching a secure element to the mobile communication device. The secure element includes a memory storing an application, a processor configured to execute the application stored in the memory; and a wireless transceiver configured to send transaction data associated with the executed application through the second communication channel to a terminal that is remote from the mobile communication device.

Message Routing Using Logically Independent Recipient Identifiers

Embodiments are directed to methods for routing messages using logically independent recipient identifiers and server computers operable to implement those methods. In one embodiment, an authorization request message is received at the server computer from a sending institution. The authorization request message comprises a non-financial institution identifier and a recipient identifier separate from the non-financial institution identifier, the non-financial institution identifier identifying a non-financial institution, the recipient identifier associated with a recipient, wherein the authorization request message requests authorization for a transaction between a sender and the recipient. The server computer then determines the non-financial institution from a number of different non-financial institutions, routes the authorization request message to the non-financial institution, and receives, from the non-financial institution, an authorization response message, the authorization response message indicating whether or not the transaction is approved.

Nfc transactions using a user id embedded within secure element for processing at remote server

A method for configuring a mobile communication device to perform transactions using a second communication channel that is different from a first communication channel through which the mobile communication device sends voice data. The method includes attaching a secure element to the mobile communication device. The secure element includes a memory storing an application, a processor configured to execute the application stored in the memory; and a wireless transceiver configured to send transaction data associated with the executed application through the second communication channel to a terminal that is remote from the mobile communication device.

Near field communication transactions with short messaging service receipts

A method for configuring a mobile communication device to perform transactions using a second communication channel that is different from a first communication channel through which the mobile communication device sends voice data. The method includes attaching a secure element to the mobile communication device. The secure element includes a memory storing an application, a processor configured to execute the application stored in the memory; and a wireless transceiver configured to send transaction data associated with the executed application through the second communication channel to a terminal that is remote from the mobile communication device.

Method and system for performing a transaction

The disclosure relates to a method and system for performing a transaction that includes providing an image valid only for a determined transaction; displaying the image on a screen of a communication terminal of a first user involved in the determined transaction; recognizing the displayed image through a terminal of a second user involved in the determined transaction; verifying the validity of the recognized image; and once the image has been validated, performing the determined transaction.

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.

System and method for registration for application program deployment

A communication system includes a development sector for registering a plurality of wireless devices, a business sector for controlling utilization of an application program and for receiving application data, a service sector for deploying the application program and for providing the application data to the business sector in accordance with communication with at least one wireless device of the plurality; and a mobile sector comprising the plurality of wireless devices, each device for receiving the application program deployed by the service sector, executing the application program in response to the business sector, and communicating with the service sector to support provision of the application data to the business sector. Deployment of application programs may be controlled by the business sector or the development sector by rendering an application program or auxiliary device available for use only after a particular time or after receipt of a message.

SYSTEM AND METHOD TO FACILITATE PURCHASES ON MOBILE DEVICES

System and method to enable and facilitate purchases through mobile communications on mobile devices, smartphones, feature phones, tablet computers, etc by allowing the user to interact with native interface and/or by eliminating the need of entering the MSISDN identifier by the user. MSISDN value is required to identify mobile subscriber and request a mobile billing transaction through carrier's infrastructure. A system comprises at least one data computing facility, which is connected to mobile carrier billing, short code and networking infrastructure and a plurality of converters to communicate and interface with a plurality of controllers for various mobile device types and platforms. 1. A system to facilitate purchases on mobile devices comprises server component connected to mobile device component and database component , wherein the mobile device component comprises a device controller , configured to interface with operating system of the device , API's and functions; a purchase user interface controller , configured to interface with input and output components of mobile device; the server component comprises user interface converter , at least one platform interface controller and at least one user interface controller.2. A method to facilitate purchases on mobile devices , wherein the purchases are facilitated through mobile communications on mobile devices by allowing the user to interact with cross-platform native user interface comprises following steps:transaction initiated by user;transaction details requested from converter;transaction details sent to controller;transaction details displayed to user;transaction confirmation obtained from user;transaction confirmation forwarded to converter;confirmation transaction details forwarded to carrier;successful payment confirmed by carrier billing system;payment confirmation sent to controller;payment confirmation displayed to user.3. A method to facilitate cross-platform purchases on mobile devices , ...

Method and system for managing credits via a mobile device

System and method for delivering upon request credits having monetary value to a mobile device using a communications network. An account of available credit for the user of the mobile device is maintained and authorization to issue credit is generated when a request for credit for the mobile device is received and there is available credit in the account associated with the mobile device equal to or greater than the requested credit. Credit may be offset, or sponsored, by one or more token providers and issued to the user, upon authorization, to enable the user to use the mobile device to purchase items, e.g., at a point of sale terminal.

Cardless payment transactions

A method that includes obtaining a current location of a mobile device of a customer; sending the current location to a cardless payment system; determining whether to send, to the cardless payment system, an indication of consent to perform a cardless payment transaction with the merchant; displaying on the mobile device whether the merchant is authorized to perform a cardless payment transaction with the customer.

System and method to facilitate purchases on mobile devices via automatic payment confirmation

System and method to facilitate purchases through mobile communications on various mobile devices by reducing the number of steps it takes the user to complete the purchase with mobile in-application payments. The payment confirmation is provided using platform's native user experience interface. User is informed about the price of the purchase, respective terms of use and the choice of confirming or cancelling the purchase. Once the purchase is confirmed by pressing the payment confirmation button, respective controller handles the process of performing the payment confirmation request via SMS text message. Confirmation request is done in the background without the need of any involvement of the user. After the payment is confirmed by mobile carrier a confirmation dialogue is displayed to user using native platform interface.

Smart Card Loading Transactions Using Wireless Telecommunications Network

Smart card transactions allow consumers to load value onto and make purchases using smart cards with a mobile telephone handset over the telecommunications network. To load the smart card, the handset receives a request to load value. The handset generates a funds request message and sends the message to a funds issuer computer that debits a user account. Next, the handset authenticates the smart card and receives a response message including approval to load. The handset validates the response and loads the value onto the smart card. For payment, the handset sends an order request message to the merchant server computer, and in return receives a purchase instruction message. The handset processes the message locally, and sends a draw request message to a payment server computer. The payment server computer sends an approval to debit the smart card. The handset validates the approval and debits the smart card.

Mobile-phone-based wagering game account transactions

In some embodiments a method includes receiving, from a mobile phone, a request to transfer a first fund amount from a player account to a wagering game machine. The method can also include determining that the player account does not include the first fund amount; receiving a second fund amount from a secondary funding source, and augmenting the player account by the second fund amount, wherein the augmenting results in the player account including the first fund amount. The method can also include transferring the first fund amount from the player account to the wagering game machine; debiting the player account by the first fund amount.

Intelligent authentication

Systems and methods for intelligently authenticating payment transactions are disclosed. A user initiates a payment transaction to purchases goods or services from a merchant. The merchant sends a payment initiation request to a server computer in communication with a payment processing network and an issuer. The server computer queries various databases to determine one or more available communication channels that may be used as authentication channels by the issuer. The server computer also determines one or more communication channels, available for use by a mobile device of the user, that may be used as authentication channels to authenticate the payment transaction. The user is provided with a list of available/eligible authentication channels. User selects one of the authentication channels and the issuer is notified of the selection. The issuer uses the selected authentication channel to communicate with the user and authenticate the payment transaction.

Secure authentication and payment system

The present invention provides a service for allowing secure financial transactions to be carried out, the service involving authenticating a user's identity and/or status as part of a financial transaction with another party and in the event that the user is authenticated arranging for the transaction to be completed without revealing the user's financial details and/or other personal details to that other party. Authentication data and transaction data may be communicated over any suitable communications channel(s). The invention provides a trusted authentication and payment environment that protects a user's financial details, but allows them to be securely authenticated and arranges for transactions to be fulfilled, whilst providing other parties with reassurance that transactions will be completed. In this way, fraud and theft due to misappropriation of financial details can be minimized.

Mobile Funding Method and System

Systems and methods for mobile funding are provided. One such method comprises receiving a transaction request to transfer funds from a payor to a payee. The transaction request can include a payor device identifier, a payee device identifier and an amount. A payor account identifier associated with the payor device identifier, and a payee account identifier associated with the payee device identifier can each be determined. Additionally, a first service provider associated with the payor device can be determined based on the payor device identifier, and a second service provider associated with the payee device can be determined based on the payee device identifier. The transfer of funds from the first service provider to the second service provider can then be initiated using the payor account identifier and the payee account identifier. At least one of the first and second service providers is a mobile network operator.

System and method for processing payment during an electronic commerce transaction

A method and system for processing payment during an electronic commerce transaction is described herein. The system includes: a mobile device configured to provide an electronic wallet storing a payment card, the payment card comprising card payment information, and a card security credential. The system may also include a coordination server configured to receive a request to conduct the electronic commerce transaction, and send an activation message to the mobile device to activate the electronic wallet. When the electronic wallet is activated, the mobile device may be further configured to: receive a card selection input indicating selection of the payment card for payment in the electronic commerce transaction; verify a security input against the card security credential of the payment card; and send the card payment information and confirmation that the payment card was present during the verifying for use in completing the electronic commerce transaction.

Disruptively priced or free financial services or items in exchange for participation in opt in advertising

An electronic payment system is provided which provides monetary rewards in exchange for participation in opt-in advertising. The electronic payment system is configured to receive an indication that a user is initiating participation in opt-in advertising. The advertising is sent to the user from the electronic payment system in exchange for a monetary reward. In most cases, the user will have a mobile wallet account at the electronic payment system. The electronic payment system then sends advertisements to a mobile wallet application running on a digital device of the user, determines an appropriate monetary reward based on the number and/or type of advertisements sent to the user's mobile wallet application, and provides the determined monetary reward to the user via the mobile wallet application on the user's digital device.

METHOD AND SYSTEM FOR MOBILE IDENTIFICATION, COMMERCE AND AGREEMENT TRANSACTIONS

A method and system is described which uses the USSD (Unstructured Supplementary Services Data) protocol to allow users to conduct commerce and agreement transactions, and retrieve identification information in a secure manner. 1. A method for sending identification information from a server to a mobile device , the server having at least one application , and the server operatively connected to a database , the database storing the identification information of a plurality of users , each user having a universal identification number and a password;the method comprising the steps of:establishing USSD communication with the mobile device;pushing an application to the mobile device using USSD;receiving from the mobile device via USSD the password of a first user, an identification information request and the universal identification number of a second user;authenticating the password of the first user and the universal identification number of the second user;pushing the identification information of the second user to the mobile device using a telecommunication protocol; and wherein the identification information is anyone of the following information: identity card, passport, membership, medical history, driving license and vehicle registration.2. (canceled)3. (canceled)4. A method for using a server to send an offer message , the server having at least one application , and the server operatively connected to a database , the database storing a plurality of users , each user having a universal identification number , a mobile device contact number , and a password;the method comprising the steps of:providing a universal resource locator for receiving an upload of an agreement by a first user using a first user mobile device, the agreement being a document and the universal resource locator having a link;issuing an agreement number to the first user;establishing USSD communication with the first user mobile device;pushing an application to the first user mobile ...

METHOD FOR PROCESSING MULTIMODAL MOBILE DONATIONS VIA TEXT MESSAGE AND EMAIL COMMUNICATION

A donation processing system receives a text message from a donor indicating that they would like to make a donation to a non-profit organization. In response to the text message, a response message indicating the particulars of the donation including the donation amount and the non-profit organization is sent to the user. The donor reviews the information and, if the information is correct, a confirmation message is sent from the donor in response to the response message. The confirmation message confirms the donation. The donation is then made to the non-profit organization in response to the confirmation message. 1. A donation processing system comprising:at least one processing device configured to receive a text message from a mobile device; wherein the text message is associated with a donation request to a non-profit organization from a user of the mobile device;the at least one processing device is further configured to transmit a response message, in response to the text message; wherein the response message includes information indicating a donation amount to the non-profit organization; andthe at least one processing device is further configured to receive a confirmation message, in response to the response message; andthe at least one processing device is further configured to initiate a donation from an account of the user in response to the confirmation message.2. The donation processing system of wherein the at least one processing device is further configured to identify an account of the user in response to an originating number of the text message.3. The donation processing system of wherein the at least one processing device is further configured to parse the text message to identify an account of the user based an account identifier included in a body of the text message.4. The donation processing system of wherein the at least one processing device is further configured to parse the text message to identify an amount of the donation.5. The ...

Emailing or texting as communication between mobile device and egm

A gaming system compatible with patron-controlled portable electronic devices, such as smart phones or tablet computers, is described. Via E-mailing or texting, a server can mediate communications between a user-controlled device, such as a mobile device, and an EGM. In one embodiment, for a transaction involving interactions with a user-controlled device and an EGM, the server can be configured to create a temporary e-mail or text message address. In particular embodiments, a transaction can involve transferring credits to or from the EGM or transferring game play related information from the EGM to a user specified location.

METHOD AND SYSTEM FOR SENDING, ROUTING, AND RECEIVING INFORMATION USING CONCISE MESSAGES

A system and method are provided for communication between a communication device and a content provider associated with an internet domain name and a server. The system includes a network with a user interface, an internet connection, and an interface to the content provider's internet domain. A communication device user enters a concise message request which includes a channel, a designator and, optionally, a request instruction. The combination of the channel and the designator specify a location on the internet at which routing instructions reside for responding to the concise message request and generating a concise message response for output to the communication device. Concise message documents can be generated for effecting financial transactions such as purchases and payments via SMS. CMRL can also be used to route person-to-person messaging through a content provider's internet domain at which the users may be registered. 1. A method for communication between a communication device adapted for communicating with a network and a content provider associated with an internet domain name , wherein the network is configured for transmitting concise messages , the method comprising:providing an interface between the network and the internet domain;assigning at least one channel for accessing the network through the communication device, wherein the at least one channel comprises a short code comprising one or more characters indicative that a top-level domain follows followed by a top-level internet domain;storing a set of routing instructions corresponding to the content provider on a server, the set of routing instructions comprising at least one query response;receiving a request generated by the communication device, wherein the request comprises a combination of the at least one channel and a designator, the combination comprising a completed internet domain name of the content provider for mapping the request to the set of routing instructions, and, ...

MULTIFUNCTION WRISTBAND

Embodiments of the invention are directed toward a multifunction wristband (or other wearable device) providing a lifestyle display that outwardly displays to other people the interests and social connections of the wearer, which can include data related to music, social media, charities, and more. The multifunction wristband can act either as a stand-alone device or as a companion device to another personal electronic device. Furthermore, it can incorporate a variety of additional useful features. 1. A wearable apparatus comprising:a wireless interface configured to receive data indicative of social information from a device; anda display coupled with the wireless interface and configured to show one or more images indicative of the received social information, wherein the one or more images are configured to be seen by at least one person other than a user wearing the wearable apparatus, to convey the social information, while the wearable apparatus is being worn by the user.2. The wearable apparatus of claim 1 , further comprising a processing unit configured to:detect a triggering event; andcause the display to show the one or more images such that they are configured to be seen by the user.3. The wearable apparatus of claim 2 , wherein the processing unit is configured to cause the display to show the one or more images such that they are configured to be seen by the user by causing the display to do one or more of:rotate an image; oralter a location of an image.4. The wearable apparatus of claim 1 , wherein the social information is related to at least one of:an email,a song,a text message,an instant message,information related to a charitable organization,information received from a social network,information received from a website, orinformation received from an RSS feed.5. The wearable apparatus of claim 1 , further comprising a processing unit configured to:detect, with the wireless interface, a proximity of another wearable apparatus; andtransmit, with ...

METHOD AND SYSTEM FOR PERFORMING A COMMERCIAL TRANSACTION BY USING A SHORT MESSAGE SERVICE TERMINAL

Method for performing a commercial transaction wherein a customer having a computer connected to a public network such as the Internet network and a SMS terminal is able to receive and send SMS messages over a telephone network and can order an article by using the computer to a commercial server connected to the public network. 1. A method for conducting a commercial transaction between a customer and a commercial server , the customer having a computer and an SMS terminal , said method comprising:the customer using the computer to send an order for an article through a public network to a commercial server;sending an SMS message, through a cellular network, from said commercial server to the SMS terminal, said SMS message including a redirect routing number, and an encryption key;said customer adding to said SMS message information enabling identification of a customer payment means;encrypting said information in the SMS message by using said encryption key;redirecting the SMS message, with said encrypted information therein, through said cellular network, from said SMS terminal to a payment server by using said redirect routing number.2. The method according to claim 1 , wherein said encryption key is a public encryption key.3. The method according to claim 2 , wherein said encryption key is a public encryption key of the payment server.4. The method according to claim 1 , wherein the sending an SMS message includes setting in the SMS message a flag for indicting to the payment server that the SMS message redirected to the payment server includes information encrypted using said encryption key.5. The method according to claim 1 , wherein said redirect routing number includes an identification number of said payment server on said cellular network.6. The method according to claim 1 , further comprising said payment server authenticating said customer by using an identification number of said customer on said cellular network.7. The method according to claim 1 , ...

Remote communication terminal for trading on the exchange markets

A terminal for trading on exchange markets, comprising a monitor and a keyboard (real or virtual), a device providing transfer of funds to user's account and withdrawal of funds from the user's account and/or money dispending, a device for remote connection configured to display a graphical interface with fields for displaying target information, connected to a control server for the user's account state. The device provides transfer of funds to/from the user's account and/or money dispensing, built into the terminal case, or located outside the case and connected to servers of exchange markets for displaying in fields of information about the current quotations, positions and calculation of profit and loss for each transaction, thus the specified unit also has a feature of displaying of positions and with a feature of input of the price for a rate (point) change and a position amount through the keyboard.

Friendly funding source messaging

A sender can request payment of a third party invoice by messaging a receiver. The receiver may accept or deny the payment request. The request to pay a particular invoice may be sent via a sender through an on-line request, electronic mail and/or text messaging to a receiver who may have an account with an on-line payment provider. Upon receiving the request, the receiver may accept or decline the payment request via electronic mail and/or text messaging. If the receiver accepts the payment request, the amount of the invoice is deducted out of their on-line payment provider account.

Payment authentication systems

An authentication server and a method of enabling a user of a communications capable device to make a payment via a mobile operator billing system are described. The authentication server determines a user identifier string for sending to a communications capable device according to a probability of successful entry by a user. The user identifier string is linked to the content item data and the string sent to the communications capable device. The user responds, via a mobile network, by sending a short message service (SMS) based user response. The response is compared to previously transmitted user identifier messages, and billable user identity data appended to the SMS by the mobile network can be used to associate the transaction in process with billable identity data derived from the carrier data to enable a user's mobile phone account to be billed for the purchase.

Electronic-payment authentication process with an eye-positioning method for unlocking a pattern lock

This invention discloses an eye-positioning method for unlocking a pattern lock by a user, comprising: showing to the user a pattern diagram on a display, the pattern diagram being pre-stored in a storage device at a back-end server, and is transmitted to the display via a network; capturing a facial image of the user by a video-taking equipment coupled to the display; an on-screen marker real-time tracking an eye of the payer, enabling the marker to move on the pattern diagram to form a marker-movement path according to movement of the eye relative to the video-taking equipment, the eye being either a left eye or a right eye as pre-agreed; and determining if the marker-movement path includes an entirety of a pre-set action path. This invention also provides an electronic-payment authentication method using the aforementioned pattern-unlocking method, for payments at retail sites and for online payments.

Management of multiple electronic devices in a transaction session

In accordance with one or more embodiments of the present invention, methods and systems disclosed herein provide for management of multiple electronic devices in a transaction session. An example method includes associating a user identifier of a first shopper with a transaction session. The method may also include receiving, from a second shopper, a request to join the transaction session. Further, the method may include processing the transaction session based on the request.

METHOD, TERMINAL AND SYSTEM FOR PROVIDING DATA TRANSMISSION AND FINANCIAL TRANSACTION BASED ON THE POSITION OF MOBILE TERMINALS HAVING SHORT-RANGE COMMUNICATION FUNCTION

Method and terminal for performing a financial transaction based on a relative position between terminals. A system for performing a financial transaction based on a relative position of mobile terminals includes: a user terminal configured to generate payment data in association with a transaction amount and to deduct the transaction amount from a payer account; a transaction terminal configured to receive the payment data from the user terminal by use of short-range communication and to add the transaction amount corresponding to the payment data to a payee account; and a financial server configured to approve the financial transaction based on the payment data, wherein the payment data is determined by a positional relationship between the user terminal and the transaction terminal. 1. A user terminal for performing a financial transaction based on a relative position with a transaction terminal , the user terminal comprising:a sensor which obtains first position data of the user terminal;a communication module configured to establish a communication link with the transaction terminal and to communicate with the transaction terminal via the communication link;a controller which generates payment data for a transaction amount based on the first position data of the user terminal and second position data of the transaction terminal received via the communication link; anda communication tag configured to store the payment data,wherein the payment data is transmitted to the transaction terminal via the communication link.2. The user terminal of claim 1 , wherein the communication module comprises a short-range communication module and the communication tag comprises a short-range communication tag.3. The user terminal of claim 1 , wherein the controller determines a positional relationship between the user terminal and the transaction terminal based on the first position data of the user terminal and the second position data of the transaction terminal to generate ...

METHOD AND SYSTEM FOR NFC TRANSACTION

A method for performing a transaction between a portable device and a transaction terminal includes establishing a communication channel between the portable device and the transaction terminal; establishing a first data link between the transaction terminal and the transaction server; and using an application program in the transaction server to perform the transaction with the transaction terminal through the data link, on behalf of the portable device. 115.-. (canceled)16. A method for performing a transaction between a portable device and a transaction terminal , the method comprising:providing at least one transaction server linked to the transaction terminal by IT resources and comprising at least one application program configured to perform a transaction with the transaction terminal on behalf of the portable device,establishing a communication channel between the portable device and the transaction terminal, and providing the transaction terminal, by way of the portable device, with application and transaction information,establishing a first data link between the transaction terminal and the server, without going through the portable device, by using the application and transaction information, andusing the application program in the server to perform the transaction with the transaction terminal through the first data link, on behalf of the portable device, the transaction comprising the transaction terminal sending the application program of the server first application protocol data, and the application program of the server sending the transaction terminal on behalf of the portable device, second application protocol data.17. The method according to claim 16 , wherein the application and transaction information comprises credentials of the portable device.18. The method according to claim 16 , further comprising activating the application program in the server and linking it to the transaction terminal through the first data link so that it performs ...

Fraud detection system

A fraud detection system includes a fraud database associating at least one payment account with at least one user device. A system provider device in the fraud detection system is coupled to a network and the fraud database. The system provider device is operable to receive first location data over the network. The first location data is associated with a payment request made using a first payment account from the at least one payment account in the fraud database. The system provider device will then retrieve second location data over the network from a first user device that is associated with the first payment account in the fraud database, determine that the first location data corresponds to a first location that is not within a predetermined distance of a second location corresponding to the second location data, and send a payment authorization request to the first user device.

Transaction authentication with a non-msisdn id and authorization by communicating with a consumer device

A computer-based method of managing electronic transactions is described. A plurality of consumer accounts is stored in a data store, each consumer account having a first consumer account identifier. A second consumer account identifier is received in a point-of-sale device. A charge request including an amount and a second consumer account identifier is received, wherein the second consumer account identifier is not an MSISDN. A selected one of the consumer accounts is identified by associating one of the first consumer account identifiers with the second consumer account identifier. An authorization request is transmitted to a consumer device. A response to the authorization request is received from the consumer device, and the charge request is processed based on an account detail of the selected consumer account, wherein the charge request is processed if the response is the authorization response.

METHOD AND APPARATUS FOR FACILITATING PAYMENT VIA MOBILE NETWORKS

A method and apparatus for facilitating payments for transactions, via mobile devices and mobile telecommunications networks, is disclosed. In an embodiment, a product provider is provided with a code, such as a QRcode, which contains or references payment details for purchase of the product. A mobile user of the application scans the code and is connected to their internet banking application. The payment details are transferred to the internet banking application and the mobile user confirms that the transaction should proceed. Payment is made without any secure details being provided to the product provider. 1. A customer apparatus for facilitating payment transactions between a customer and a product provider , the customer apparatus comprising:a reader arranged to read a product provider artefact storing transaction data about the transaction, to obtain the transaction data; anda transaction processor arranged to connect over a communication network to a financial institution application of a financial institution administering a customer account of the customer, to provide the transaction data to the financial institution application, so that the financial institution can make payment for the transaction from the customer account.2. An apparatus in accordance with claim 1 , the customer apparatus comprising a mobile device.3. An apparatus in accordance with claim 1 , wherein the product provider artefact is a visible code.4. An apparatus in accordance with claim 1 , wherein the product provider artefact comprises a memory for storing the transaction data for transmission to the customer apparatus.5. An apparatus in accordance with claim 1 , wherein the transaction data comprises a payment amount and details of a product provider account claim 1 , wherein the financial institution can pay the payment amount into the product provider account.6. An apparatus in accordance with claim 1 , wherein the transaction data comprises a reference claim 1 , arranged to be ...

TRANSACTION NOTIFICATION AND AUTHORIZATION METHOD

An added level of security is provided for charge transactions. Upon presenting a charge card number for a purchase, for example, the cardholder receives a message (e.g., SMS) on his cell phone or PDA that a charge authorization request has been received. The message may include the merchant, a charge amount, and a time and date. 1. A method for processing a transaction , comprising the steps of:receiving a request for authorizing a transaction for an account, said request received via a first transmission channel, said request including at least an identification of the customer's account;determining whether or not the account includes a request for notification to the customer of any transactions;notifying the customer via a second transmission channel only if the account includes a request for notification of any transactions;the second transmission channel being distinct from the first transmission channel; andauthorizing the transaction without requiring a response from the customer.2. The method according to claim 1 , wherein the notifying step comprises sending an SMS message to the customer.3. The method according to claim 1 , wherein the request is from the group consisting of a customer claim 1 , an account holder claim 1 , an authorized person claim 1 , and an unauthorized person.4. The method according to claim 1 , wherein the request is provided from the group consisting of an ATM claim 1 , a POS terminal claim 1 , a telephone and a device for virtual communication.5. The method according to claim 1 , wherein the request is a virtual request provided via the Internet.6. The method according to claim 1 , wherein the transaction is selected from the group consisting of credit card claim 1 , debit card claim 1 , charge card claim 1 , and ATM.7. The method according to claim 1 , wherein the first transmission channel is selected from the group consisting of wireless and landline channels.8. The method according to claim 1 , which comprises receiving the ...

Method of and system for managing an asset

In a method of managing an asset the following steps are performed: receiving a request to transfer a part of said first asset from a first user to at least a second user at a system, wherein said request is received via an over-the-air communication with a first mobile device in which a first asset is stored, wherein the first mobile device is assigned to the first user, and assigning at said system: —) a remaining part of said first asset to the first user, and —) said part of the first asset, which part was requested to be transferred to the second user.

Wirelessly accessing broadband services using intelligent covers

The present disclosure is directed to a system and method for wirelessly accessing broadband services using intelligent covers. In some implementations, a cover for a consumer device includes side surfaces, a rear surface, a physical interface, a circuit, and a broadband service card. The side surfaces and a rear surface form an opening that receives at least a portion of a consumer device. A first portion of at least one of the surfaces includes a connector for connecting to a port of the consumer device. The circuit connects the physical interface to the connector. The broadband service card connected to the physical interface and accesses a service foreign through the wireless broadband network independent of the consumer device.

Point of sale email-based e-commerce

An e-commerce system includes a mobile device and a server. The mobile device produces or is configured to respond to an indicator of a product or service. The mobile device sends a first message to the server in response to the indicator. The mobile device receives a second message in response to the sent first message. The mobile device receives a user input based on the received second message. The mobile device sends a third message to a server in response to the user input. A user of the mobile device is provided the product or service based on the sent third message.

PORTABLE DEVICE WIRELESS READER AND PAYMENT TRANSACTION TERMINAL FUNCTIONALITY WITH OTHER PORTABLE DEVICES

A user accesses an application on a reader mode device, activating a reader communication mode and disabling conflicting communication modes. The reader mode device activates a radio frequency field and creates a secure communication channel with a payment device. A secure element application on the reader mode device requests and receives payment information from a payment device. The secure element application on the reader mode device decrypts the payment information and requests account verification from the user. The secure element application on the reader mode device receives input from the user and verifies the payment information. In response to verifying the account information, the secure element application on the reader mode device encrypts the payment information and transmits it to a payment processing system. The payment processing system processes the payment transaction and transmits a notice of approved or declined transaction to the reader mode device. 1. A computer-implemented method for processing wireless payment transactions , comprising:receiving, by a first mobile phone device, a request to conduct a payment transaction using a payment device, wherein the payment device is a second mobile phone device, and wherein the payment device comprises a secure memory and an application capable of transmitting payment account information from the payment device to the first mobile phone device via a radio frequency (RF) wireless communication channel;in response to receiving the request to conduct the payment transaction, disabling, by the first mobile phone device, a conflicting operating mode that interferes with establishing the RF wireless communication channel between the first mobile phone device and the payment device and reading the payment account information from the payment device;establishing, by the first mobile phone device, the RF wireless communication channel between the first mobile phone device and the payment device, wherein the ...

Secure payment system using a mobile phone, and payment method using same

The present invention relates to a secure payment system and method using a mobile phone, wherein a purchaser makes payments using various credit cards and a seller confirms the payments instantly through a payment-receiving terminal, and more particularly, to a secure payment system and method using a mobile phone, wherein: a purchaser accesses a payment system using the mobile phone having a card registered therein and inputs and transmits seller information, a payment, and a password; a payment system recognizes and stores the inputs and extracts necessary information with a view to transmitting same to a credit-card company and a financial institution; and, if approval is granted by the credit-card company and financial institution, an approval number is automatically inputted in a process list of the payment system, and then a short message service (SMS) is simultaneously provided to the mobile phones of the purchaser and of the seller and to a payment-receiving terminal of the seller for payment confirmation.

PORTABLE DEVICE WIRELESS READER AND PAYMENT TRANSACTION TERMINAL SECURE MEMORY FUNCTIONALITY

A user accesses an application on a reader mode device, activating a reader communication mode and disabling conflicting communication modes. The reader mode device activates a radio frequency field and creates a secure communication channel with a payment device. A secure element application on the reader mode device requests and receives payment information from a payment device. The secure element application on the reader mode device decrypts the payment information and requests account verification from the user. The secure element application on the reader mode device receives input from the user and verifies the payment information. In response to verifying the account information, the secure element application on the reader mode device encrypts the payment information and transmits it to a payment processing system. The payment processing system processes the payment transaction and transmits a notice of approved or declined transaction to the reader mode device. 1. A computer-implemented method for processing wireless payment transactions , comprising:receiving, by a computing device, a request to conduct a payment transaction with a payment device, wherein the computing device comprises a secure memory, wherein the payment device comprises an application capable of transmitting payment account information to the computing device via a radio frequency (RF) wireless communication channel, and wherein the computing device and the payment device are separate and distinct;establishing, by a computing device, an RF wireless communication channel between the computing device and the payment device;transmitting, by the computing device, a payment reading command to the payment device via the RF wireless communication channel, wherein the payment reading command is transmitted from a secure memory of the computing device and instructs the application on the payment device to transmit encrypted payment account information to the computing device, and wherein the ...

METHOD AND APPARATUS FOR DETERMINING ITEM BASED ON INTERACTION ENVIRONMENT

A method and an apparatus for using a device to determine an item, such as, for example, a card based on an interaction environment, such as, for example, a settlement environment, are provided. The method by which a device determines a card to be used in a settlement includes: acquiring a card use history of a card, which is stored in the device; acquiring information which relates to a settlement environment of the device; determining a card to be used in the settlement, based on the acquired information relating to the settlement environment and the acquired card use history; and providing settlement information which relates to the determined card to a point of sale (POS) terminal. 1. A method for determining , by a device , a card to be used in a settlement , the method comprising:acquiring a card use history of a card which is usable via the device;acquiring information which relates to a settlement environment of the device;determining by the device, whether the card to be used in the settlement, based on the acquired information which relates to the settlement environment and the acquired card use history; andproviding settlement information which relates to the determined card to a point of sale (POS) terminal.2. The method of claim 1 , wherein the acquiring the information which relates to the settlement environment comprises acquiring information which relates to a location of the device claim 1 , and the determining the card comprises determining the card to be used in the settlement based on the acquired information which relates to the location of the device.3. The method of claim 1 , wherein the determining the card comprises extracting cards which relate to the settlement environment based on the card use history claim 1 , comparing respective benefits of the extracted cards with each other claim 1 , and using a result of the comparing to determine a recommendation with respect to a card to be used in the settlement.4. The method of claim 3 , wherein ...

Ensuring secure electronic transactions with a cluster of service facilities

Ensuring secure electronic transactions between clusters of service facilities and at least one electronic transaction facility provided at a user device involves enrolling and registering the electronic transaction facility with a main service facility via software delivered from the main service facility to the user device, establishing security credentials for the clusters of service facilities with the main service facility, and configuring the electronic transaction facility with transaction credentials of at least one service facility in the clusters of service facilities when a user opts to avail a service from the service facility.

Cloud-based virtual wallet nfc apparatuses, methods and systems

The CLOUD-BASED VIRTUAL WALLET NFC APPARATUSES, METHODS AND SYSTEMS (“EAE”) transform user enhanced security transaction initiation requests using EAE components into time-limited, session-specific transaction bounding tokens. In some implementations, the disclosure provides a processor-implemented method of transforming a transaction bounding token request into transaction bounded tokens and purchase authorizations.

LAUNDRY TREATING APPARATUS AND METHOD FOR CONTROLLING THE SAME

The present invention provides a laundry treating apparatus including a cabinet, an accommodating unit within the cabinet to hold laundry, a door provided on one face of the cabinet to access the accommodating unit, a control panel to receive a washing cycle control order, a first communication module to communicate with a mobile communication terminal through a local area network to receive ID information. 1. A laundry treating apparatus comprising:a cabinet;an accommodating unit within the cabinet to hold laundry;a door provided on one face of the cabinet to access the accommodating unit;a control panel to receive a washing cycle control order;a first communication module to communicate with a mobile communication terminal through a local area network to receive ID information ; anda second communication module to communicate with a management server through a communication network.2. The laundry treating apparatus of claim 1 , wherein the second communication module transmits to the management server at least one of the received ID information and the received information on completion of the washing cycle.3. The laundry treating apparatus of claim 1 , wherein the first communication module transmits to the mobile communication terminal at least one of information on a payment approval request and information on completion of the washing cycle.4. The laundry treating apparatus of claim 1 , wherein the first communication module receives from the mobile communication terminal at least one of information on payment approval and ID information.5. The laundry treating apparatus of claim 1 , further comprising:a storage unit for storing the ID information transmitted from the mobile communication terminal.6. The laundry treating apparatus of claim 5 , wherein the door is unlocked if the ID information stored in the storage unit and the ID information received from a specific mobile communication terminal are the same.7. The laundry treating apparatus of claim 1 , ...

SYSTEMS AND METHODS TO FACILITATE ONLINE TRANSACTIONS

Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a communication interface to receive an input from a merchant; a plurality of converters to interface with a plurality of controllers for delivery of premium messages sent by the system to collect funds for purchases made by customers; and a common format processor coupled with the plurality of converters to send the premium messages. The common format processor determines a combination of one or more premium messages, in response to a first customer making a first purchase from the merchant at a first price. The total price of the one or more premium messages is based on the first price and a portion of service charges associated with the one or more premium messages, where the portion is specified by the input received via the interface. 1. A computer implemented method , comprising:transmitting, from a computing device, premium messages to mobile phones of customers, in response to the customers making purchases from a merchant;receiving funds from one or more telecommunication carriers of the mobile phones, wherein the one or more telecommunication carriers charge the customers according to predetermined prices of the premium messages and provide the funds after deducting service charges associated with the premium messages;paying the merchant for the purchases on behalf of the customers using the funds;providing, by the computing device, an interface to communicate with the merchant;receiving, in the computing device using the interface, an input from the merchant; anddetermining, by the computing device, a combination of one or more premium messages, in response to a first customer making a first purchase from the merchant at a first price, wherein a total price of the one or more premium messages is based on the first price and a portion of service charges associated with the one or more premium messages, the portion being specified ...

Vending data communications systems

Vending machine circuitry adapted to interface with vending machine electronics so as to provide data communications between a handheld device, preferably a wireless handheld device operated by a potential consumer, and the vending machine electronics, with the handheld device providing the network communications connectivity for transmitting and receiving information to and from remote data centers, data bases, and/or servers.

ELECTRONIC DEVICE AND SYSTEM FOR PAYMENT IN VEHICLE

The present disclosure relates to an electronic device and system for in-vehicle payment. According to an embodiment, an electronic device installed inside a vehicle can operate in a vehicle entry state when entry of the vehicle into a specific area is confirmed, request payment information from a server through a communication circuit when a payment initiation condition is confirmed while operating in the vehicle entry state, receive the payment information through the communication circuit, provide, through a display, an interface for payment based on the received payment information, and request a payment from the server through the communication circuit when a payment confirmation input is detected on the displayed interface. Other embodiments can be applied. 1. An electronic device installed inside a vehicle , the electronic device comprising:at least one communication circuit;a display;at least one processor operatively connected to the display and the communication circuit; andat least one memory electrically connected to the processor,wherein the memory is configured to store an application program including a user interface, and to cause the processor to operate in a vehicle entry state when entry of the vehicle into a specific area is confirmed,', 'to request payment information from a server through the communication circuit when a payment initiation condition is confirmed while operating in the vehicle entry state,', 'to receive the payment information through the communication circuit,', 'to provide, through the display, an interface for payment based on the received payment information, and', 'to request a payment from the server through the communication circuit when a payment confirmation input is detected on the displayed interface., 'wherein the memory stores instructions configured, when executed,'}2. The electronic device of claim 1 , wherein the entry into the specific area is confirmed when an entry approval signal is received from the server ...

Pairing A Payment Object Reader With A Point-Of-Sale Terminal

In some examples, a system and method for pairing a payment object reader with a point-of-sale (POS) terminal is described herein. The payment object reader includes one or more light indicators configured to display information in an optical pattern of one or more colors, brightness, lightness, and intensities, wherein the light indicators display a first optical pattern representative of an operational status of the payment object reader in a first mode, and a second optical pattern representative of a pairing code in a second mode. A display control component, executed by a processor, is configured to control the light indicators in accordance with the pairing code to generate the second optical pattern, the second optical pattern when shared with the POS terminal enables pairing between the payment object reader and the POS terminal. When paired, the payment object reader allows the POS terminal to accept payments from a customer. 1. A payment object reader configured to facilitate a payment transaction between a merchant and a customer by accepting a payment through at least one payment object and processing the payment transaction wirelessly through a point-of-sale (POS) terminal , the payment object reader comprising:one or more light indicators configured to display information in an optical pattern of one or more colors, brightness, lightness, and intensities, wherein the light indicators display: (a) a first optical pattern representative of an operational status of the payment object reader in a first mode; and (b) a second optical pattern representative of a pairing code in a second mode; anda display control component, executed by a processor, configured to control the light indicators in accordance with the pairing code to generate the second optical pattern, the second optical pattern when shared with the POS terminal enables pairing between the payment object reader and the POS terminal.2. The payment object reader of further comprising a pairing ...

LIMITED USE AUTHENTICATION ON DETECTION OF NON-OPERATIONAL DEVICE

There are provided systems and methods for authentication depending on device capabilities and user requests based on situational information collected in advance of a device becoming non-operational. A user may wish to utilize some device process, such as access and use of a device application or other module. For example, a user may wish to utilize a payment application of the communication device, or authenticate the user using a service provider accessible through the communication device. If the communication device becomes non-operational (e.g., lack of power or signal strength), the user may be prevented from authenticating through the communication device. Thus, the user may establish a limited use authentication credential from situational data to the user and device (e.g., location or current image) that allows the user to authenticate with the service provider. The authentication credential may be limited to a location, amount, and/or type of authentication. 1. A system comprising:a transaction processing module of a payment provider and comprising at least one hardware processor that determines a communication device for a user will become non-operational using device parameters for the communication device and determines a limited use authentication credential for identification of the user when the communication device becomes non-operational, wherein the limited use authentication credential comprises at least one validity term;a database stored to a non-transitory memory that stores a payment account of the user, the device parameters, and the limited use authentication credential with the payment account until at least one of the communication device becomes operable after non-operational and the at least one validity term expires; anda network interface component receives the device parameters for the communication device.2. The system of claim 1 , wherein the network interface component receives information from the communication device when the ...

OFFLINE TO ONLINE PAYMENT

A mobile device receives an indication of a user request to initiate a payment. The mobile device provides a user interface requesting transaction information corresponding to the payment. The mobile device receives transaction data entered by the user via the user interface. In response to a determination made by the mobile device that a connection to a payment provider cannot be established. A payment request is stored at the mobile device. The payment request corresponds to the transaction data. In response to a subsequent determination made by the mobile device that a connection to the payment provider can be established. The payment request is sent to the payment provider. The payment request is configured to initiate the payment. 1. A method of performing financial transactions , comprising:receiving, by a mobile device, an indication of a user request to initiate a payment;provide, by the mobile device, a user interface requesting transaction information corresponding to the payment;receive, by the mobile device, transaction data entered by the user via the user interface;in response to determining, by the mobile device, that a connection to a payment provider cannot be established, storing a payment request at the mobile device, the payment request corresponding to the transaction data; andin response to subsequently determining, by the mobile device, that a connection to the payment provider can be established, sending the payment request to the payment provider, wherein the payment request is configured to initiate the payment.2. The method of claim 1 , wherein the user interface is displayed on a touchscreen.3. The method of claim 2 , further comprising: receiving a notification displayed on the touchscreen informing the user that the payment request has been processed by a remote server of the payment provider.4. The method of claim 1 , wherein the determining that the connection to the payment provider cannot be established comprises detecting a loss of ...

Systems and Methods for Providing Gifts Via a Mobile Messaging Platform

Systems and methods for creating gift messages for sending to individuals via an existing messaging infrastructure are described. A gift provider system may receive a request for a gift catalog from a first user device. The gift provider system may provide an interactive gift catalog to the first user device that includes one or more gift cards available for purchase. The user of the first user device may select the amount of the gift card, create a personalized message for the gift card, select a recipient, and select graphics that may accompany the gift card. The gift provider system may create a gift message based on the purchased gift card and send the gift message to the recipient. The gift message may be sent as an MMS message and may include one or more codes that the recipient can use to redeem the gift card with a providing merchant. 1. A system , comprising:a processor; and receive a request for a gift catalog from a first communications device;', 'provide a gift catalog to the first communications device based at least in part on profile information associated with the first communications device;', 'receive a selection of a gift card from the first communications device, wherein the gift card is selected from the gift catalog, wherein the gift card is associated with one or more merchants;', 'generate a multimedia messaging service message based on the gift card; and', 'transmit the multimedia messaging service message to a second communications device., 'a memory comprising computer-readable instructions which when executed by the processor cause the processor to2. The system of claim 1 , wherein the multimedia messaging service message comprises at least one of a gift value claim 1 , a merchant identifier claim 1 , a gift code claim 1 , a graphic claim 1 , a link claim 1 , a personalized message claim 1 , a sender name claim 1 , and a recipient name.3. The system of claim 2 , wherein the gift code is associated with the one or more merchants associated ...

HCE TOKEN SECURE DELIVERY WITHOUT DATA CONNECTIVITY

Methods and apparatus, including computer program products, are provided for secure HCE token delivery. In some example embodiments, there may be provided a method, which includes determining, at a user equipment including a host card emulation payment application, whether a data service is allowed and/or available for use; selecting, based on the determining, the data service to carry a message generated by the host card emulation payment application, when the data service is allowed and/or available for use; and selecting, based on the determining, a short message service to carry the message generated by the host card emulation payment application, when the data service is not allowed and/or not available for use. The message may carry tokens, requests for tokens, and/or other information as well. Related apparatus, systems, methods, and articles are also described. 1. A method comprising:determining, at a user equipment including a host card emulation payment application, whether a data service is allowed and/or available for use;selecting, based on the determining, the data service to carry a message generated by the host card emulation payment application, when the data service is allowed and/or available for use; andselecting, based on the determining, a short message service to carry the message generated by the host card emulation payment application, when the data service is not allowed and/or not available for use.2. The method of claim 1 , wherein the data service comprises at least one of a cellular data service or an internet protocol data service.3. The method of further comprising:generating the message to carry a request to a token provider for one or more payment tokens.4. The method of claim 1 , wherein when the short message service is selected claim 1 , the method further comprises:converting the message into a format in accordance with the short message service.5. The method of claim 1 , wherein when the short message service is selected claim ...

Mobile device assisted retail system and process in a vending unit, retail display or automated retail store

Systems and methods for users of an automated retail store, vending unit, digital signage or interactive retail display (self-service units) to interact with such display/unit, collectively referred to in this text as a machine, directly and/or simultaneously using a one or more mobile devices. In addition, system and methods are provided that can recognize registered users within a set proximity to the machine and broadcast messages and notifications such as machine information, inventory information, rewards, discounts and free products, all of which could be tailored to the specific user based on understanding gathered through analysis of prior interactions.

API METHODS FOR PHONE-ON-FILE OPT-IN 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: confirming, with the billing server, the first phone-on-file opt-in with a consumer device; and', 'recording, with the billing server, a phone-on-file opt-in status as active if the first phone-on-file is confirmed; and, 'a) executing a phone-on-file opt-in method with the billing server, including receiving, at the billing server, a charge API call from a merchant server at the billing server, including at least two identifiers and an amount;', 'determining a phone-on-file opt-in status corresponding to the identifiers at the billing server;', '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; and, 'b) executing a charge method with the billing server including 'confirming, with the billing server, the first phone-on-file opt-in with a consumer device; and', 'c) executing a phone-on-file opt-in method with the billing server, if the phone-on- ...

Smart data cable for point of sale systems

Various embodiments are described herein that relate to network-connected data cables (i.e., “smart” data cables) that are connected to a merchant's point of sale system and a receipt printer. When a transaction is initiated at the point of sale system, transaction data is created by the point of sale system and passed to the smart data cable for transmission downstream to the receipt printer. The smart data cable can parse the transaction data, copy certain elements from the transaction data, and transmit the copied elements to a cloud-based platform that processes the transaction. For example, the cloud-based platform may compare the copied elements to information supplied by the customer through a messaging application executing on the customer's user device. The information may be provided by the customer to a chat bot that is supported by the cloud-based platform.

INTELLIGENT AUTHENTICATION

Systems and methods for intelligently authenticating payment transactions are disclosed. A user initiates a payment transaction to purchases goods or services from a merchant. The merchant sends a payment initiation request to a server computer in communication with a payment processing network and an issuer. The server computer queries various databases to determine one or more available communication channels that may be used as authentication channels by the issuer. The server computer also determines one or more communication channels, available for use by a mobile device of the user, that may be used as authentication channels to authenticate the payment transaction. The user is provided with a list of available/eligible authentication channels. User selects one of the authentication channels and the issuer is notified of the selection. The issuer uses the selected authentication channel to communicate with the user and authenticate the payment transaction. 120-. (canceled)21. A computer comprising:a processor; receiving an authentication request for a payment transaction from a server computer;', 'determining, from the authentication request, a mobile device to be associated with the payment transaction and one or more capabilities associated with the mobile device;', 'identifying a set of authentication channels available to an authorizing entity and available to the mobile device associated with the payment transaction based on the one or more capabilities determined to be associated with the mobile device;', 'selecting, using criteria associated with the authorizing entity, an authentication channel of the set of authentication channels to be used in completing the payment transaction;', 'establishing a first communication session with the mobile device via the selected authentication channel;', 'establishing a second communication session with the authorizing entity;', 'routing the authentication request to the mobile device via the first communication ...

MONETARY TRANSACTION SYSTEM

Embodiments are directed to monetary transaction system for conducting monetary transactions between transaction system subscribers and other entities. In one scenario, the monetary transaction system includes a mobile device that runs a monetary transaction system application. The monetary transaction system also includes a subscriber that has a profile with the system. The subscriber indicates a transaction that is to be performed with the monetary transaction system. The system further includes a monetary transaction system processor that performs the transactions specified by the subscriber including communicating with a monetary transaction database to determine whether the transaction is permissible based on data indicated in the subscriber's profile. The monetary transaction system also includes at least one entity that is to be involved in the specified transaction, where the entity has a profile with the monetary transaction system. This entity may be a person, a retail store, an agent or other entity. 1. A monetary transaction system for conducting monetary transactions between subscribers and other entities , the system comprising:one or more processors;a storage system configured to store financial transaction details, customer profiles and money containers;an integration tier configured to manage mobile wallet sessions, the integration tier also including a communication application programming interface (API) and other communication mechanisms to accept messages from channels;notification services configured to send notifications through different notification channels including one or more of short message peer-to-peer, short-message services, and simple mail transfer protocol emails;business process services configured to implement business workflows, including at least one of executing financial transactions, auditing financial transactions, invoking third-party services, handling errors, and logging platform objects;a payment handler configured to ...

Programmable currency platform

Disclosed is a currency management application to facilitate customized transfer of value between two parties via a digital coin. The digital coin can be personalized and programmed. For example, the digital coin can be personalized with a set of attributes, such as a design, color, shape or theme, and can be programmed with a set of rules, such as where the digital coin can be redeemed and/or who the digital coin can be transferred to. The digital coin is associated with a value, which is determined in terms of a fiat currency or cryptocurrency. This digital coin can be used for peer to peer payments, merchant payments and redeemable/withdrawn through a financial institution, such as a bank account.

Point of Sale Payment Method

The present disclosure describes making a payment transaction between a customer and a merchant using a payment card of the customer including: transmitting details of the payment transaction from a mobile device to a remote server; capturing at least one image of the payment card using the mobile device of the merchant; transmitting the at least one image of the payment card to the remote server; identifying, by the remote server, the merchant and the payment card captured in the at least one image; and implementing the payment transaction between bank accounts of the customer and the merchant. 116.-. (canceled)17. A first device comprising:one or more processors; andmemory communicatively coupled to the one or more processors, the memory storing instructions which, when executed by the one or more processors, cause the one or more processors to perform operations comprising:during a video communication between the first device and a second device that is remote from the first device, receiving, by the first device and transmitted from the second device, at least one image of a payment card being used in a payment transaction, the at least one image being recorded and transmitted in real time by way of the video communication only until a real time response is received by the second device indicating recognition, by the first device, of the payment card based on a correspondence between the at least one transmitted image and at least one pre-registered and stored image of the payment card that is accessed by the first device;receiving, by the first device and transmitted from the second device during the video communication with the first device, additional transaction information associated with the payment transaction;transmitting, to the second device during the video communication and based on the recognition of the payment card and the transmitted additional transaction information, processing information associated with processing the payment transaction ...

GENERATING CODE FOR A MULTIMEDIA ITEM

A system, method, and computer-readable medium for challenge-response authentication are provided. A plurality of codes is received over a communication network based on input provided by way of a user interface displaying a plurality of images. An alphanumeric string is generated based on the received plurality of codes and based on a table that associates each one of the plurality of codes with a respective one of the plurality of images and with a respective one of a plurality of alphanumeric characters. A determination is made as to whether to grant authorization based on whether the generated alphanumeric string matches an alphanumeric user identifier stored in a memory device in association with a user. 1. A method comprising:receiving, by a processor, an input comprising rearranged locations of a plurality of multimedia items in a rearranged order;ordering, by the processor, a plurality of codes in a sequence based on the rearranged order of the plurality of multimedia items; anddetermining, by the processor, an authentication based on the sequence of the plurality of codes.2. The method of claim 1 , wherein a first arrangement of the plurality of multimedia items includes at least one of a multidimensional grid of the plurality of multimedia items claim 1 , a horizontal arrangement of the plurality of multimedia items claim 1 , or a spatial overlay of the plurality of multimedia items.3. The method of claim 1 , further comprising generating a second arrangement of the plurality of multimedia items based on an input received through a user interface claim 1 , wherein the ordering includes sequencing the plurality of codes based on the second arrangement of the plurality of multimedia items.4. The method of claim 3 , wherein:the second arrangement includes at least two multimedia items of the plurality of multimedia items arranged in an order, andthe plurality of codes are ordered in the sequence in which the corresponding multimedia item is arranged in the ...

TAG-BASED SOCIAL INTERACTION COMPUTING SYSTEM AND METHOD

Systems and methods for providing tag-based social interaction are provided. Users generate tags that allows a third party to connect with the user. Personally identifiable information of the user can be obfuscated, thereby allowing a user to send random acts of kindness, payments, gift cards, or other types of communications to other users while remaining anonymous. 1. A tag-based social interaction computing system comprising instructions stored in a memory , which when executed by one or more processors of the tag-based social interaction computing system , cause the tag-based social interaction computing system to:create a first account for a first user;receive, from a first user computing device, financial information that identifies a financial account of the first user;create a second account for a second user;receive, from a second user computing device, financial information that identifies a financial account of the second user;receive, from the first user computing device, a request to create a tag for the first user;receive, from the first user computing device, a plurality of tag properties associated with the tag;generate the tag, wherein each of the plurality of tag properties is associated with the tag in a database;subsequent to the generation of the tag, receive, from the second user computing device, a tag query, wherein the tag query identifies the tag;responsive to the tag query, cause at least one of the plurality of tag properties to be displayed on a display of the second user computing device;receive, from the second user computing device, a payment request to transfer funds from the financial account of the second user to the financial account of the first user, wherein the second user does not receive personally identifiable information of the first user.2. The tag-based social interaction computing system of claim 1 , wherein the tag is affixed to physical property.3. The tag-based social interaction computing system of claim 1 , wherein ...

PORTABLE POINT-OF-SALE TERMINAL

A portable point-of-sale terminal is provided, including: a communication module configured to search for a network signal of a wireless network base station for communication; a transaction module configured to perform a transaction procedure; a detection module configured to perform a detection procedure for detecting a signal strength and a network channel of the wireless network base station; a processing module configured to: when the transaction module starts the transaction procedure, drive the detection module to perform the detection procedure; and when it is detected that the signal strength meets a default condition, allow the transaction procedure, and generate a prompt signal to be completed; or when it is detected that the signal strength does not meet the default condition, generate a warning signal; and a display module configured to display prompt information or warning information. 1. A portable point-of-sale terminal , comprising:a communication module configured to search for a network signal of a plurality of wireless network base stations in a use environment, and connect to one of the wireless network base stations for communication after the network signal is found;a transaction module configured to perform a transaction procedure, the transaction procedure being performed through the communication module and a remote financial institution when payment information is received;a detection module configured to perform a detection procedure, the detection procedure being used for detecting a signal strength and a network channel of the wireless network base station received by the communication module;a processing module configured to: when the transaction module starts the transaction procedure, drive the detection module to perform the detection procedure; and when the detection module detects that the signal strength meets a default condition, allow the transaction module to complete the transaction procedure, and generate a prompt signal; or ...

MOBILE ATTRIBUTE TIME-SERIES PROFILING ANALYTICS

The subject matter disclosed herein provides methods, apparatus, systems, techniques, and articles for determining the likelihood that a transaction is abnormal. Time-series data associated with active and passive operations of a mobile device and out of band data associated with the user of the mobile device can be collected. The collected data can be processed to generate a set of mobile attribute data that define a behavior of one or more of the user and the mobile device. A profile containing profile variables for selected attributes from the set of mobile attribute data can be generated. The profile can summarize past usage of the user or the mobile device. A set of one or more transactions associated with the mobile device can be monitored. A first score representing a degree to which the transaction is abnormal can be generated. Related apparatus, systems, techniques, and articles are also described. 1. A method comprising:collecting, by a processor, time-series data associated with one or more active operations of a mobile device, the one or more active operations comprising interaction by a user with the mobile device;collecting, by the processor, time-series data associated with one or more passive operations of the mobile device, the one or more passive operations performed by the mobile device during an absence of interaction by the user with the mobile device;collecting, by the processor, out of band data associated with the user of the mobile device;processing, by the processor, the time-series data associated with the one or more active operations, the time-series data associated with the one or more passive operations, and the out of band data associated with the user to generate a set of mobile attribute data, the set of mobile attribute data representing one or more attributes that define a behavior of one or more of the user and the mobile device;generating, by the processor, a profile containing one or more profile variables for each of one or ...

USING A COMPUTERIZED AGENT EXTERNAL TO AN INSTANT MESSAGING (IM) SERVICE FOR ENHANCING AN IM SESSION MANAGED BY THE IM SERVICE

A method of adding a computerized agent to an instant messaging (IM) session managed by an IM service for identifying automatically textual instructions to perform a transaction related to participant(s) of the IM session, comprising: using a computerized agent subscribed to an IM service by a telephone number and participates in an IM session managed by an IM service to acquire text content in an IM session and analyzing at least the text content of the IM session to identify automatically textual instructions to perform a transaction from the user which uses the IM client module, automatically instructing an operation of the transaction and submitting by the computerized agent at least one IM message in the IM session. The at least one IM message is presented to the user using the IM module and is indicative of a performance or a denial of the transaction by the transaction performing entity. 1. A method of adding a computerized agent to an instant messaging (IM) session managed by an IM service for identifying automatically textual instructions to perform a transaction related to at least one participant of said IM session , comprising:managing a computerized agent representing a transaction performing entity, said computerized agent being subscribed to an instant messaging (IM) service by a telephone number, said computerized agent is a participant of an instant messaging (IM) session managed by an IM service and initiated by a user which is also a participant of said IM session; wherein said user participates in said IM session by inputting text content using an IM client module running on a client terminal;using said computerized agent to acquire said text content in said IM session;analyzing at least said text content to identify automatically textual instructions to perform a transaction from said user which uses said IM client module;automatically instructing an operation of said transaction; andsubmitting by said computerized agent at least one IM message ...

Multi-path communication of electronic device secure element data for online payments

Systems, methods, and computer-readable media for communicating electronic device secure element data over multiple paths for online payments are provided. In one example embodiment, a method includes, inter alia, at a commercial entity subsystem, receiving, from an electronic device, device transaction data that includes credential data indicative of a payment credential on the electronic device for funding a transaction with a merchant subsystem, accessing a transaction identifier, deriving a transaction key based on transaction key data that includes the accessed transaction identifier, transmitting, to one of the merchant subsystem and the electronic device, merchant payment data that includes a first portion of the credential data and the accessed transaction identifier, and sharing, with a financial institution subsystem using the transaction key, commercial payment data that includes a second portion of the credential data that is different than the first portion of the credential data. Additional embodiments are also provided.

Hands-free transactions with voice recognition

Conducting hands-free transactions comprises a server at a payment processing system, a user computing device, and a merchant computing device. The payment processing system receives a communication from a hands-free payment application on a user device, the communication comprising a first transaction token, an identification of a user account, and a beacon identifier. The merchant may provide a challenge to the user and use the response to identify the token and account of the user. The merchant computing device can use voice patterns of the user to assist in identifying the token and account of the user. The system receives from the merchant computing device a transaction request, the transaction request comprising the first transaction token and transaction data associated with the transaction request. The system determines that the transaction is for an amount less than a configured transaction limit and communicates a request for an authorization of the transaction.

POINT-OF-SALE PAYMENT SYSTEM AND RELATED METHODS

Embodiments may relate to a co-operable set of computer programs for making electronic payments. The set of computer programs may be adapted to run on distributed computing devices such as, without limitation, a mobile computing device, a remote server, and a point-of-sale computer system. Together the set of co-operable computer programs may be adapted to carry store a tokenized payment credential on a remote server. The remote server may coordinate with a point-of-sale computer system to open a tab in response to a command received from a mobile computing device. The mobile computing device may receive and display data associated with the tab including items ordered, and prices of items ordered. The remote server may coordinate payment of the tab with an external credit card payment processor using the tokenized payment credential, in response to a command received from the mobile computing device. 1. A co-operable set of computer programs for making electronic payments from a mobile computing device , comprising a set of instructions portions of which are executable on at least a mobile computing device , a remote server , and a point-of-sale computer system and the co-operable set of computer programs being adapted to carry out the acts of:storing a tokenized payment credential on a remote server;the remote server coordinating with a point-of-sale computer system to open a tab in response to a command received from a mobile computing device;the mobile computing device receiving and displaying data associated with the tab including items ordered, and prices of items ordered; andthe remote server coordinating payment of the tab with an external credit card payment processor using the tokenized payment credential, in response to a command received from the mobile computing device.2. The co-operable set of computer programs of claim 1 , wherein the act of the remote server coordinating with a point-of-sale computer system to open a tab further comprises the acts of: ...

TOLL PAYMENT COLLECTION WITH COMMUNICATION DEVICE

Implementations include actions of receiving an image of a vehicle using a toll road facility, processing the image to determine a vehicle identifier, and determining that the vehicle identifier is provided in a database, the database associating vehicle identifiers to respective device identifiers, and in response: determining a device identifier associated with the vehicle identifier from the database, transmitting a first message to a device associated with the device identifier, the first message including a request for approval to collect a toll payment, and receiving a second message from the device, the second message indicating approval of the toll payment, and in response: transmitting a payment request to a service provider, the service provider providing data transfer services for the device, and receiving the toll payment from the service provider. 1. A computer-implemented method executed by one or more processors for collecting toll fee for use of a toll road facility , the method comprising:receiving a first image of a first vehicle using the toll road facility;processing, by the one or more processors, the first image to determine a first vehicle identifier; and determining a first device identifier associated with the first vehicle identifier from the first database,', 'transmitting a first message to a first device associated with the first device identifier, the first message comprising a request for approval to collect a first toll payment, and', transmitting a first payment request to a first service provider, the first service provider providing data transfer services for the first device, and', 'receiving the first toll payment from the first service provider., 'receiving a second message from the first device, the second message indicating approval of the first toll payment, and in response], 'determining that the first vehicle identifier is provided in a first database, the first database associating vehicle identifiers to respective device ...

DATA PROCESSING METHOD AND APPARATUS FOR VIRTUAL RESOURCE

Aspects of the disclosure provide a data processing apparatus having interface circuitry and processing circuitry. The interface circuitry is configured to obtain data related to at least two resource accounts, and related to resource transfer of the at least two resource account. The processing circuitry configured to construct resource transfer relationships of the at least two resource accounts according to the data, calculate, based on the resource transfer relationships, similarity measurements between the at least two resource accounts according to a preset calculation rule, and output, according to the calculated similarity measurements, a resource account with a similarity measurement satisfying a preset condition. 1. A data processing apparatus , comprising:interface circuitry configured to obtain data related to at least two resource accounts, and resource transfer of the at least two resource account; and construct resource transfer relationships of the at least two resource accounts according to the data;', 'calculate, based on the resource transfer relationships, similarity measurements between the at least two resource accounts according to a preset calculation rule; and', 'output, according to the calculated similarity measurements, a resource account with a similarity measurement satisfying a preset condition., 'processing circuitry configured to2. The data processing apparatus according to claim 1 , wherein set up commuting nodes respectively corresponding to the at least two resource accounts;', 'set up secondary nodes respectively corresponding to services having resource transfer with the at least two resource accounts;', 'configure edges between the computing nodes and the secondary nodes to be indicative of the resource transfer; and', 'construct the resource transfer relationships according to the computing nodes, the secondary nodes, and the edges., 'the processing circuitry is configured to3. The data processing apparatus according to claim ...

Interaction system and method, client, and background server

A method, including: at a client terminal of a user of a social network platform: displaying a first network resource published by a first resource publisher; displaying a resource rewarding affordance in association with the first network resource or an identifier of the first resource publisher; detecting user selection of the resource rewarding affordance; and in accordance with a determination that the resource rewarding affordance has been selected while the resource rewarding affordance is displayed in association with the first network resource or the identifier of the first resource publisher, initiating a resource rewarding operation to reward the first resource publisher on the social network platform, wherein the resource rewarding operation transfers reward goods from a social network account of the user to a social network account of the first resource publisher on the social network platform.

SYSTEMS AND METHODS FOR PERFORMING TRANSACTIONS USING ACTIVE AUTHENTICATION

A system and method for performing a transaction at a point of sale (“POS”) device includes a user device providing data indicative of a financial transaction. The data includes parameters that define the financial transaction, for example merchant name or type, transaction amount, etc. The financial institution creates an active authentication key for use in the financial transaction. Upon receiving a transaction request from the point of sale device, the financial institution can analyze the active authentication key and the parameters to determine if the transaction request should be approved. 1. A method of performing a transaction at a point of sale (POS) device , comprising:connecting, via a first computer processor associated with a financial institution, with a second computing device;receiving, at the first computer processor, data indicative of a financial transaction from the second computing device, the data comprising parameters associated with the financial transaction;generating, with the first computer processor, an authentication key associated with the financial transaction;storing, in data storage associated with the financial institution, the authentication key and the data indicative of the financial transaction;sending, from the first computer processor, the authentication key to the second computing device;receiving, at the first computer processor, a transaction request from the POS device, the transaction request comprising the authentication key;comparing, via the first computer processor, the transaction request with the data indicative of the financial transaction and the stored authentication key; and approving, with the first computer processor, the transaction request when the transaction request complies with the parameters; or', 'declining, with the first computer processor, the transaction when the transaction request does not comply with the parameters., 'either2. The method of claim 1 , wherein the parameters comprise at least one ...

SYSTEM AND METHOD FOR AGGREGATING GROUP MERCHANT TRANSACTIONS

Disclosed are various embodiments of methods, systems, and mobile application programs for multi-member group payment aggregation and settlement with a mobile computing device equipped with a mobile payment application. The aggregation engine enables the mobile payment application to aggregate the various members into a group and processes the financial contributions of the various group members into an aggregated fund. The transaction engine enables the aggregated multi-member group to transact a variety of payment transactions. Together the engines enable the multi-member group to conduct a variety of management, statistical, and processing of the aggregated funds. 1. A system for multi-member group mobile merchant payment aggregation through a payment network , the system comprising:at least one or more mobile computing devices, the one or more mobile computing devices equipped to communicate to a plurality of mobile computing devices; and a graphical user interface;', 'a mobile payment aggregation engine; wherein the mobile payment aggregation engine is equipped to communicate with a network of financial servers and the plurality of mobile computing devices;', 'a mobile payment transaction engine; wherein the mobile payment transaction engine is equipped to settle a financial transaction;, 'the one or more mobile computing devices having a mobile payment application, the mobile payment application comprisingwhere the one or more mobile computing devices, equipped with the mobile payment application executing the mobile payment aggregation engine, are set to receive information from one or more financial network servers; andwhere the one or more mobile computing devices, equipped with the mobile payment application executing the mobile payment aggregation engine, are further set to receive information from the plurality of mobile computing devices, the plurality of mobile computing devices being equipped with the mobile payment application executing the mobile ...