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    Conducting a transaction at a mobile POS terminal using a defined structure
    6.
    发明授权
    Conducting a transaction at a mobile POS terminal using a defined structure 有权

    公开(公告)号：US12086785B2

    公开(公告)日：2024-09-10

    申请号：US18337539

    申请日：2023-06-20

    申请人： Worldpay, LLC

    发明人： Chance Ulrich ,  Scot A. Bryant

    IPC分类号： G06Q10/00 ,  G06F3/048 ,  G06Q20/32 ,  G09G5/00 ,  G06Q20/34 ,  G06Q20/40

    CPC分类号： G06Q20/322 ,  G06Q20/3276 ,  G06Q20/34 ,  G06Q20/4012 ,  G06Q20/40145

    摘要： A system and method configured for conducting a transaction between two parties using a mobile device, or a plurality of mobile devices. In various embodiments, a system for conducting a transaction can comprise an accessory device having an accessory device module and a hardware component, where the accessory device can have various accessory device capabilities. The system can further comprise a mobile device SDK incorporated into the client application and in communication with the accessory device, where the mobile device SDK includes an accessory conversion module in communication with the accessory device module and where the mobile device SDK provides data to the client application. The client application can request accessory device information and receive accessory device capabilities, and the transaction data for the transaction can be provided in a defined structure between the accessory device and the client application via the mobile device SDK.

    Card authentication technique selection via machine learning
    8.
    发明授权
    Card authentication technique selection via machine learning 有权

    公开(公告)号：US12045817B2

    公开(公告)日：2024-07-23

    申请号：US18227836

    申请日：2023-07-28

    申请人： PayPal, Inc.

    发明人： Aditya Jain ,  Piyush Neupane ,  Yogesh Krishna Kandlur

    IPC分类号： G06Q20/40 ,  G06Q20/34

    CPC分类号： G06Q20/401 ,  G06Q20/34

    摘要： Systems and techniques for facilitating card authentication technique selection via machine learning are provided. In various embodiments, a processor can access an attribute vector associated with a financial payment card. In various instances, the processor can determine, via execution of a machine learning model, whether to authenticate the financial payment card with a zero-dollar authentication technique or instead with a tokenization authentication technique, based on the attribute vector. In various cases, the processor can execute the zero-dollar authentication technique with respect to the financial payment card, when the processor determines that the financial payment card should be authenticated with the zero-dollar authentication technique. In various aspects, the processor can execute the tokenization authentication technique with respect to the financial payment card, when the processor determines that the financial payment card should be authenticated with the tokenization authentication technique.

    Digital signature terminal and secure communication method
    10.
    发明授权
    Digital signature terminal and secure communication method 有权

    公开(公告)号：US12041179B2

    公开(公告)日：2024-07-16

    申请号：US17412653

    申请日：2021-08-26

    申请人： SHANGHAI FINANASIA INC.

    发明人： Dongxiao Shaw

    IPC分类号： H04L9/32 ,  G06F3/0488 ,  G06F21/32 ,  G06Q20/34 ,  H04L9/40 ,  H04L67/303 ,  H04W12/06

    CPC分类号： H04L9/3247 ,  G06F3/0488 ,  G06F21/32 ,  G06Q20/34 ,  H04L63/0442 ,  H04L67/303 ,  H04W12/06 ,  H04L2209/80

    摘要： A digital signature terminal device and a secure communication method are provided. The digital signature terminal includes a first module and a second module. The first module includes a communication component configured to communicate with outside and includes a central unit. The central unit includes a memory configured to store data received by the communication component. The central unit is configured to receive an operation from a user, and is controlled, in response to the operation from the user, to be simultaneously connected to the second module and disconnected from the communication component or to be simultaneously disconnected from the second module and connected to the communication component. The second module includes a signature component configured to generate a digital signature for the data, and the second module is configured to send the digital signature to the memory.