593 results about "Third-Party Payments" patented technology

The invention relates to a method for generating a two-dimensional code and implementing mobile payment by a mobile phone. A user can input various payment card information (such as bank card account numbers, credit card account numbers, prepaid card account numbers, and third party payment user account numbers) into the mobile phone, the information is enciphered and stored, and then the two-dimensional code is generated and displayed on a screen of the mobile phone. A merchant scans a pattern of the two-dimensional code through a two-dimensional code identifying and reading device, and after user authentication information (such as two-dimensional code generation time, mobile phone fingerprints and mobile phone positions) and the payment card information are decoded, the user authentication information, the payment card information, consumption amount information of the user, merchant account number information and the like are enciphered and sent to a corresponding payment and settlement system. After receiving the information, a payment and settlement server confirms the payment card information to be true or false according to the two-dimensional code authentication information, and carries out payment transaction. The method has the main advantage that the user can save the information of various payment cards, consumption cards and the like in the mobile phone and realize no-card electronic payment transaction instead of the various payment cards.

A software agent for locally tracking a user's network interaction, such as web browsing, and providing targeted promotions with optional coupons to the user. The monitoring involves use of a downloaded file of network addresses and words potentially tailored to each individual user. The software agent locally compares network addresses and content of web sites accessed and search terms entered against the stored addresses and key words in the file. Upon detecting a match, the software agent contacts a system server to obtain a promotion with an optional coupon for the match, and displays an indication of the promotion or coupon to the user, providing the user with the option to view, decline, save, or defer the promotion. The user is provided with redeemable credits for viewing promotions, visiting the site of a merchant offering the promotion, completing a transaction, and spending at least a threshold dollar amount. The coupons can include coupons targeted to users geographically close to particular merchants so that the coupons can be printed and redeemed at the merchant's establishment. Transactions related to the promotions, whether completed online or in-store, are confirmed to demonstrate the efficacy of the promotions, award additional loyalty rewards to a user's account, or to compensate an advertiser or affiliate. Confirmation of in-store transactions may be accomplished by accessing transaction data routed through third-party payment networks used for credit and debit card transactions and cellular phone transactions and the like.

The invention comprises a system and method for “waterfall” type payment processing using multiple alternative payment sources. A payor provides account information for multiple payment sources, such as a bank checking account, savings account, first credit card account, second credit card account, and so forth. The multiple payment sources are prioritized so that one is a primary payment source, another is a secondary payment source, another is a tertiary payment source, and so forth. After setting up the waterfall payment arrangement, when a bill becomes due a payee or third party payment administrator submits transactions against the payment sources in their order of priority until the payment is satisfied. Other variations and enhancements are disclosed.

A system and method for enabling a debtor to charge a payment to a credit card when a creditor does not accept credit card payments is provided. The system comprises a customer interface, an approval engine, a scheduling engine, a service fee engine and schedule, a currency engine and schedule, a payment engine, and a reporting engine. The method comprises the steps of receiving customer data, approving the transaction, processing the credit card charge, and paying the creditor.

A method and a system provide electronic parking validation using a pay by cell parking system is disclosed. The system allows any entity to offer instant parking credit covering a portion or the whole amount of parking charges. The credit is directly applicable to the current parking charges. The system has an operational pay-by-cell parking system in place and the recipient of the parking credit is a registered customer in good standing of the system. The system comprises a suite of computer programs residing on a server for remote wireless parking management and payment. The suite of computer programs verifies a third party payment request, such a third party using a wireless or landline telephone to request access. The suite of computer programs grants or rejects such access request based on a plurality of authentication rules defined within the server resident program suite.

Methods and systems are related to the payment of pharmacy benefits under an insurance policy. The system includes pharmacies, a real-time claims processing adjudication component, an information component and a claims processing or billing component. When a qualified patient submits a prescription to a participating pharmacy, the pharmacy collects identifying information from the patient and conveys a request to the real-time claims adjudication component, which screens the request for a match to data already loaded in the system and conveys a notification of acceptance or error to the pharmacy. The real-time claims adjudication component compiles records of the approved claims and the claims processing component processes the claims, bills third party payors and generates periodic files detailing payments owed to pharmacies. Funds are then made available to the pharmacy. The pharmacy may obtain the funds by initiating a transfer, such as a charge placed on a card issued by the system.

Unfilled prescriptions are submitted to a registry comprising pre-qualified pharmacies for a “reverse auction” in which the pharmacies bid for the opportunity to fill the prescription. The pharmacies are allowed to bid based on price and/or offering ancillary services. The auction may also be used to bid on supplying specified pharmaceutical cognitive services. The method may also include obtaining cost comparisons with generic substitutes or similar alternative pharmaceutical products. The system may further comprise automatically requesting a review by the prescriber for a list of similar substitutes or prior-authorization for third-party payers. The winner of the reverse auction is selected by the customer.

A payment provider uses bank rails to enable a bank customer to send real-time payments through the bank site by simply entering a recipient identifier, such as an email address or mobile number. The bank has an account with the payment provider. Thus, when the customer sends a payment through the bank, the payment provider transmits the payment to the recipient through the bank's payment provider account. The bank debits the amount from the user's bank account or from a third party, in which case the bank makes a payment to the third party. The sender does not have to have an account with the payment provider, just an account with the bank.

A system, to process credit card payment transactions initiated by a merchant, includes an interface to receive a merchant-initiated request for a transfer of funds from a buyer credit card account. A credit card processing application initiates the transfer of funds from the buyer credit card account to a third-party merchant bank account, held by a third-party payment service. The third-party merchant bank account receives funds from the buyer credit card account on behalf of the merchant. A funds allocation application allocates the received funds to a receiving account of the merchant, the receiving account being maintained by the third-party payment service. The credit card processing application may be virtual point of sale (POS) terminal application, hosted at a server computer system operated by the third-party payment service, and accordingly may be accessible by the merchant via a network.

The invention provides a method of payment utilizing a virtual card to enhance payment safety and a system thereof, wherein, the method of payment includes the following steps : a third-party payment platform is provided; after receiving the application request of virtual card of a user, the third-party payment platform obtains the information of bank card of the user and sends the request of virtual card application to a corresponding issuing bank; the third-party payment platform returns the information of virtual card number sent by the issuing bank to the user; and when the issuing bank receives the request of payment including the information of virtual card number and payment amount, payment is successfully done, provided that the virtual card meets the service regulations of the virtual card and monetary amount on the corresponding bank card is no less than the payment amount. As the payment of the invention is carried out by the virtual card number, information security of the card can be enhanced when the bank card number and password are directly input.

The invention discloses a unified payment access gateway supporting multiple payment channels. A unified payment interface receives a payment request comprising a payment mode code and payment verification information sent by a client, and forwards the payment request and the payment verification information to a decryption processing module for decryption; a protocol adaption module extracts the payment mode code and corresponding third-party payment interface information from the decrypted payment request, and makes a query to obtain a payment mode; and a payment processing module re-packages a message, sends the message to a third-party payment platform, receives a processing result message of the third-party payment platform, constructs a feedback message according to an executive mode of the payment mode, and sends the feedback message to the client. According to the gateway, one-point access and multi-output-point payment services are provided for access merchants, so that the client operation is simplified.

Embodiments of the present invention disclose a financial institution system maintained by a financial institution and for tokenization of user accounts for using a direct payment authorization channel, whereby a third party payment authorization network is avoided. Embodiments establish a direct channel of communication between the system and a merchant or a merchant network in communication with the merchant; wherein the direct channel of communication comprises a network communication channel without a third party payment authorization system; receive a token issued by the financial institution and associated with a user account associated with a customer of the financial institution; receive transaction data comprising an amount associated with a transaction between the customer of the financial institution and the merchant; and determine whether to authorize the transaction based on the received token and the received transaction data.

Payment processing systems and gateways are configured to (a) accept payment transactions from a merchant in a plurality of disparate formats, (b) convert payment transaction to a format recognized by a payment gateway, (c) use a rules based engine to determine a first third party payment processor to process a payment transaction, and (d) convert the payment transaction into a format acceptable to the determined first third party payment processor.

The invention discloses an end-to-end bike sharing system and method based on blockchain. The system comprises a system administrator, a cloud server, bike owners, bike users and a blockchain network;the blockchain network contains accounts, bike smart contracts and nodes; there is no need for the bike users to download multiple different applications any more, after registration, deposits are paid to the bike smart contracts, the blockchain network does not contain third parties, and the users only need to apply to the bike smart contracts when the deposits need to be returned, so that the phenomenon of difficult deposit returning is effectively avoided; the payment process does not rely on third-party payment software, so that needed commission charge is effectively reduced. Transactioninformation is stored by the nodes in the blockchain network together, each node stores all transaction data in the network totally redundantly, and once the data in one node is tampered with, othernodes raise objections, so that a whole database is high in safety, and private security of the bike users and the bike owners can be protected.

A method of order placement and product delivery between a healthcare facility and a third party payor, such as an insurance provider, in which a transaction facilitator submits the order for a prescribed medical device and generates a claim from the transaction facilitator to the insurance company. The healthcare facility initially contacts the insurance provider to obtain authorization for a prescribed medical device and medical procedure. Upon granting authorization, the insurance provider contacts the transaction facilitator to select the medical device. The transaction facilitator orders the medical device and arranges for delivery from manufacturer to the healthcare facility. Upon implantation, the transaction facilitator bills the insurance provider. At no time does the healthcare facility receive a bill from the manufacturer, thereby eliminating the bill for the medical device from the healthcare facility to the insurance provider.

The present invention provides a parking information service system and method capable of accurately reserving parking spaces, including a parking information platform communicated with a parking lot management system, a license plate recognition camera, self-service toll payment equipment, and several intelligent parking locks. The parking information The platform communicates with the user's mobile terminal, and the beneficial effects of the present invention are: realizing the parking space reservation service based on the Internet platform, the parking lot charging function based on third-party payment, improving the parking space utilization rate of the parking lot, and avoiding artificial loopholes in manual charging , to ensure the income of the parking lot and reduce the management cost.

A medical check-in and data communication kiosk for efficiently checking-in patients at a medical facility and/or exchanging relevant data with the patient. A patient automatically provides initial identification information by swiping, scanning, etc., an I.D. card and the kiosk then accesses various legacy database systems to gather all relevant medical data corresponding to the particular patient. The patient is requested to verify and/or update any third party payer information, such as insurance information, and is also informed of suggested preventive healthcare actions.