G06Q20/4014

Methods for improving identification threat protection and devices thereof
11734689 · 2023-08-22 · ·

Various methods, apparatuses, and media for approving a first transaction related to identification information of an individual are provided. A second transaction to provide approval of the first transaction is received after the first transaction is authenticated. Secondary identification information of the individual is obtained in response to the second transaction being received, and an electronic device is identified based on the secondary identification information. A predetermined process for approving the first transaction is determined. Communication is initiated with the electronic device according to the predetermined process. The approval is provided in response to the predetermined process being completed, with the approval approving execution of the first transaction related to the identification information.

Authentication for secure transactions in a multi-server environment

Disclosed herein is a computer implemented method for providing authentication for secure transactions in a multi-server system, the method comprising; receiving, at an authentication server from a requestor server, a request for a cryptogram, the request being associated with a transaction and including a requestor identifier; in response to receiving the request, generating a cryptogram; sending, from the authentication server, the cryptogram to the requestor server; receiving, at the authentication server from a merchant server, the cryptogram, a payment token, and a unique merchant identifier, and a merchant secret; validating, at the authentication server, the cryptogram; comparing, at the authentication server, the unique merchant identifier and the merchant secret with a unique merchant identifier and a merchant secret pair stored in a database; and authorizing, at the authentication server, the transaction when there is a match.

AUTOMATED BANKING MACHINE FIRMWARE FLOW CONTROL
20220147959 · 2022-05-12 ·

Described in example embodiments herein are techniques for implementing an automated banking machine such as an ATM. An example embodiments, tracks the flow of a note through an ATM. Another emobidment corrects errors detected during a note flow. Some embodiments are in the form of security protocols for communications or other communication protocols, or techniques for monitoring devices operating in the ATM. Yet another example embodiment is directed to security of a currency cassette. Still yet another embodiment is directed to detecting tampering of the ATM's gate and/or shuttle. Yet still another embodiment determines if notes in a shuttle were delivered.

Using a contactless card to securely share personal data stored in a blockchain

Systems, methods, and articles of manufacture to securely share data stored in a blockchain. A contactless card may receive a request to provide a data element from a device. An applet of the contactless card may encrypt the data element and a wallet address. The applet may generate a signature for the request, and transmit, to a mobile device, the signature and the encrypted data. The mobile device may transmit, to a verification service, the signature and encrypted data. The verification service may verify the signature based on a public key. A node in a blockchain may generate a block in the blockchain, the block comprising indications of the verification of the signature, the requested data element, and the wallet address. An encrypted data element corresponding to the data element may be decrypted using a public key. The device may receive the decrypted data element from the wallet address.

Entity recognition system

A direct interaction network in which resources are more efficiently transferred between entities having resource pools with the same organization. The interaction network may be implemented by transforming a user computer system into the interaction terminal for the interaction such that the provider entity does not require interaction terminals to enter into interactions. Alternatively, the interaction network may be entered through interaction terminals of the provider entity without the user having a user computer system and without the user providing a physical instrument for the interaction. These implementations may be possible due at least in part to being able to determine that the entity resource pools are administered by the same organization. Furthermore, one or more sensors may be utilized with the user computer system and/or interaction terminals in order to determine the presence or identity of a user, and/or the subject of the interaction.

METHOD AND SYSTEM FOR SINGLE PURPOSE PUBLIC KEYS FOR PUBLIC LEDGERS
20220147986 · 2022-05-12 ·

A method at a computing device in a public ledger cryptography system, the method including creating a purpose string, the purpose string defining transaction parameters for an account within the public ledger cryptography system; using the purpose string to create a private key and associated public key for an account within the public ledger cryptography system; and providing the purpose string for use in verification of a transaction from the account within the public ledger cryptography system.

Mobile sensing and smart payment system
11734960 · 2023-08-22 · ·

A mobile sensing and payment method and system for parking fees is disclosed. The system includes an array of identity information collection modules in a parking facility. A background data processor collects mobile terminal identification information from a mobile terminal of a person entering the parking facility while the mobile terminal performs cell reselection. The data processor simultaneously senses transmission intensity of the mobile terminal using the terminal identity information collection modules. The data processor determines a location of the mobile terminal based upon the changes in the signal transmission intensity from the collection modules. The data processor generates a specific characteristic threshold for the mobile terminal to pass an entrance gate. The data processor causes the entrance gate to be opened records a specific time that the entrance gate is opened. The data processor records a specific time that the person has entered the parking facility.

INFORMATION PROCESSING APPARATUS, INFORMATION PROCESSING METHOD, PROGRAM, COMMUNICATION APPARATUS, COMMUNICATION METHOD, AND INFORMATION PROCESSING SYSTEM
20220147973 · 2022-05-12 · ·

The present disclosure relates to an information processing apparatus, an information processing method, a program, a communication apparatus, a communication method, and an information processing system that enable provision of a technology capable of easily introducing a system that performs payment for service use. Provided is an information processing apparatus including a control unit that generates a code to be read by a reading device on the basis of identification information of an IC chip of a communication apparatus upon receiving an instruction from the communication apparatus.

IDENTIFICATION PROCESSING APPARATUS, SETTLEMENT TERMINAL, AND SETTLEMENT SYSTEM

An identification processing apparatus of the present disclosure includes a memory that stores recognition information based on which an authorized person, who has been authorized to utilize at least part of an account for non-cash settlement, is recognized; an identification circuit configured to acquire an identification request that includes identification information from a settlement terminal installed at a store, and performs an identification process, to identify authorized person, by matching the recognition information with the identification information, the store being where the authorized person purchases a commercial product by utilizing the account; and a communication circuit configured to receive the identification information from the settlement terminal, and transmit a result of the identification to the settlement terminal.

SYSTEM AND METHOD FOR THIRD-PARTY FOOD AND DINING ORDERING CONTROL USING DIGITAL RECEIPT
20220148000 · 2022-05-12 ·

A system and method for third-party food and dining ordering control using digital receipts, comprising at least one device capable of accessing the internet which may be a mobile device or personal computing device such as a laptop or desktop, a web application, and a point-of-sale system at a restaurant or retailer, wherein users of the web application may deposit funds into an account and set regulations on what they may purchase with the deposited funds, or have an administrator set up an account for them, allowing the administrator to regulate what the sub-user may purchase, in keeping with budget, diet, and lifestyle restrictions, which may utilize zero-step authentication to allow for seamless use of the service at certain establishments, and which may implement the generation and transmission of interactive digital receipts which can provide registered users with greater control over subordinate user accounts.