A computer-implemented identity verification method includes: receiving, by a payment platform, a verification request including a request to verify a user identity associated with a bank card; generating a first code string; storing the first code string in association with a user identifier and with a card identifier of the bank card; sending a deduction request to a card issuer of the bank card, in which the deduction request includes a request to deduct a first amount from an account associated with the bank card, and in which the deduction request includes the first code string; receiving a second code string; verifying that the second code string is consistent with a corresponding part of the first code string; and based on verifying that the second code string is consistent with the corresponding part of the first code string, verifying the user identity associated with the bank card.

An operating method for a credit card, the method comprising: step S1, a microprocessor is powered on to perform system initialization; step S2, the microprocessor hibernates and is awakened when a preset interruption is detected so as to execute step S3; and step S3, the microprocessor executes preset interruption processing by entering a preset interruption processing flow, and exits the preset interruption processing flow when the preset interruption processing is finished, then returns to step S2. Alternatively, the method comprises: step s1, the microprocessor is powered on to perform system initialization; step s2, the microprocessor checks whether a preset interruption marker is set, and if so, the preset interruption marker is reset so as to execute the preset interruption processing, otherwise the microprocessor executes step s3; and step s3, the microprocessor hibernates, is awakened when detecting the preset interruption so as to set the preset interruption marker, and then returns to step s2. The present invention may reduce the risk of credit card fraud.

A method is disclosed for conducting a transaction between a computing device and an access device. A server computer may be utilized to facilitate data exchanges between the computing device and the access device. These data exchanges may utilize high-frequency sound signals. The server computer may encrypt at least some portion of data that is then transmitted to the access device via the computing device. The server computer may verify data received from the access device prior to generating and transmitting an authorization request message for the transaction.

In various embodiments, a system and method for providing simplified checkout are provided. In example embodiments, an identifier that corresponds to a payment account of a user is received at a payment provider system. Account information from the payment account of the user is retrieved from a payment data storage of the payment provider system. The account information is used in a payment transaction involving a merchant system. A payment interface having transaction fields populated with the account information retrieved from the payment account of the user is presented to the user while the user maintains a presence on a webpage of a merchant system.

A transaction card construction and computer-implemented methods for a transaction card are described. The transaction card has vector formatted visible information lasered onto its surface. In some embodiments, systems and methods are disclosed for enabling the sourcing of visible information using a scalable vector format. The systems and methods may receive a request to add a first plurality of visible information to a transaction card and capture an image of the first plurality of visible information. The systems and methods may also map the image to a bounding box and convert the mapped image into vector format. In addition, the systems and methods may provide the converted image to a laser machine.

This invention relates to a method to compensate by a server a clock deviation of a card i by maintaining a time base Tbase (i) synchronized with card i, the method comprising the steps of: receiving at a time TS a dynamic card verification dCVV code value generated by card i; providing a set of at least two dCVV code corresponding to two successive dCVV time periods; if the dCVV code received from card i corresponds to one of the dCVV codes of the provided set but is different from the reference dCVV code, determine the minimum possible timing drift Min_td between the time base maintained by the server for the card and the time base Tbase(i) of the card; updating time base Tbase(i) by addition of a time drift correction equal to the minimum possible time drift Min_td.

A method for improved security at automated teller machines (ATMs) comprising: capturing, by a first camera at an ATM, one or more images of a bank card; reading card information from the bank card by processing the one or more images of the bank card, wherein the card information comprises an account number and an expiration date; receiving, from an input device at the ATM, a personal identification number (PIN) entered by a user; sending a request to a server device to verify the card information and the PIN; and in response receiving a response from the server device, allowing the user to transact with the ATM.

Aspects of the disclosure relate to organic light emitting diode (OLED) devices reshape-able to position an article in a predetermined space. The article may be a card. When reshaped, the OLED device may form the predetermined space. The OLED device may include at least one verification sensor positioned relative to the predetermined space. The OLED device may use one or more verification sensors to detect the article that is positioned in the predetermined space. The OLED device may use one or more verification sensors to collect information associated with the article that is in the predetermined space.

The present disclosure presents a method for a card based transaction between a mobile terminal and a service provider system having one or several computer servers. The mobile terminal obtains (310) a CSC from credit card/debit card. The mobile terminal obtains (320) a data seed. The mobile terminal applies (330) a minimal perfect hash function to the CSC as well as the data seed to generate a temporary CSC. The mobile terminal initiates (340) a card based transaction with the service provider system utilizing the generated temporary CSC. The service provider system obtains (610) the temporary CSC and applies (620) a same minimal perfect hash function to the temporary CSC until a match is found between the obtained temporary CSC and one CSC stored at the service provider system. In response to a match the service provider system continues (630) the initiated card based transaction with the mobile terminal.

Implementations of the present specification provide a method and an apparatus for data processing in an online payment process. According to the method, in an online payment process, a payer first obtains collection information needed for establishing a payment agreement with a payee, and then pays an amount to a collection account only after the payer obtains a payment agreement returned by the payee based on the collection information and the payer acknowledges the collection information in the payment agreement.