Abstract: Systems, computer program products, and computer-implemented methods for visualizing and interacting with a plurality of models that collectively represent a real-world system depicted in a graphical user interface. The system described herein may generate an interactive graphical user interface with multiple modes and a plurality of panels associated with the plurality of models. These panels and modes lay the framework for how a user can properly visualize and analyze the models at a particular point in time or over a period of time. The systems, computer program products, and computer-implemented methods may thus, according to various embodiments, enable a plurality of models that collectively represent a real-world system be interacted with and visualized by a graphical user interface.

Abstract: Systems, methods, articles of manufacture, and computer-readable media for determining specific terms to activate a contactless card. An application executing on a server may receive a request from a device specifying a uniform resource locator comprising encrypted data, the encrypted data based at least in part on a private key assigned to a contactless card. The application may decrypt the encrypted data and determine a type of the contactless card. The application may determine a plurality of terms associated with the type of the contactless card and transmit the terms to a web browser on the device. The application may receive, from the web browser, an indication specifying acceptance of the plurality of terms. The application may store, based on the decryption of the encrypted data and the received indication specifying acceptance of the terms, an indication in a database specifying the contactless card is activated for use.

Abstract: A system, method, and computer program product for dynamic application selection for payment transactions determines identification data of an issuer institution associated with a portable financial device based at least partially on transaction data associated with at least one transaction at a merchant with the portable financial device. At least one electronic service application of a plurality of electronic service applications is determined based at least partially on the identification data of the issuer institution. Electronic service application data associated with the at least one electronic service application and stored in association with the issuer institution is accessed at a merchant system of the merchant. The at least one transaction is modified based at least partially on the electronic service application data associated with the at least one electronic service application.

Abstract: A network traffic surge resistant platform is described herein. An example system includes a network storage, and one or more servers configured as a commerce platform including an authentication manager. The commerce platform generates a first secret code and sends the first secret code via a first communication medium associated with a first identifier. The commerce platform also generates a second secret code and sends the second secret code via a second communication medium associated with a second identifier. In response to determining the first input code matching the first secret code and the second input code matching the second secret code, the commerce platform authorizes a transaction associated with a particular browser and associates the transaction with a customer record associated with both the first and second identifiers.

Abstract: A system for a customer-initiated payment transaction includes a mobile device of a customer and a payment card of the customer. The mobile device includes a mobile application or a digital wallet, on which a customer may register one or more of a plurality of payment methods. The mobile application or the digital wallet may be activated to establish a point-of-sale (OIS) system on the mobile device and include a process to authenticate the customer.

Abstract: A point-of-sale system has a card reader, a point-of-sale device, and an intermediate processing module configured to communicate with the card reader and the point-of-sale device. The card reader has a card reader module configured to receive information from a payment card. The point-of-sale device has a POS display and a POS module. The intermediate processing module is configured to receive status information from the card reader module, generate a message associated with the status information, and provide the message to the POS module for presenting on the POS display.

Abstract: System and methods for supporting legacy and tokenized transactions are disclosed. According to one embodiment, in an information processing device comprising at least one computer processor, a method for selecting an electronic payment credential to communicate to a merchant, may include (1) an electronic wallet backend receiving a plurality of payment credentials associated with a payment account; (2) the electronic wallet backend receiving a credential capability for a merchant; (3) the electronic wallet backend selecting one of the payment credentials for a transaction with the merchant based on the credential capability; and (4) the electronic wallet backend communicating the selected payment credential to a point of transaction device for the merchant.

Abstract: Various embodiments of the present disclosure relate generally to providing virtual assistants. More specifically, various embodiments of the present disclosure relate to methods and systems for providing a simulation-based virtual advisor. In some embodiments, the systems and methods combine and/or integrate the functionality of a conversational virtual agent (e.g., a virtual assistant) with the functionality of a simulation virtual agent, to provide users, customers, or members with targeted, user-specific information in response to questions or other intentions posed by the users via messages exchanged between the users and the agents.

Abstract: A device for transmitting/receiving a wireless radio signal. Such a device includes: a first interface for transmitting/receiving a radio signal according to a first transmission technology; a second interface for transmitting/receiving a radio signal according to a second transmission technology; and an adaptation stage (such as a chip), which extracts data from signals coming from the first interface and/or the second interface.

Abstract: There are provided systems and methods for a physical stand for multiple device orientations and peripheral card reader. A device stand may include a dock that allows for placement and securing of a computing device within the device case, such as through a locking or connecting mechanism. The device dock further includes a peripheral component, such as a physical card reader, that allows for reading and entry of card data into the computing device for use with an electronic transaction processing application on the computing device. This allows the computing device to process transactions electronic with an online service provider. Further, the device stand includes a hinge or joint that allows for rotating and inverting of the computing device over a curved extension from a base of the device stand, which allows the computing device to be viewed in multiple directions and orientations.

Abstract: The present invention discloses a method, a device and a system for checkout, and belongs to the technical field of computer. The checkout method comprises: verifying whether a received unlocking request is sent by a pre-registered customer, and if so, issuing an unlocking instruction for opening an accommodating case in which a shelf for bearing the item is arranged and associating the customer with a take-up action or a put-back action aiming at an item; generating a shopping list of the customer, after identifying the take-up action or the put-back action and the item at which the take-up action or the put-back action aims; and performing checkout of the shopping list. The present invention further discloses a checkout device which comprises a registration module, a verification association module, a shopping list generation module and a checkout module. The present invention further discloses a checkout device which comprises a camera, a processor and a memory.

Abstract: A dual-factor PIN based authentication system and method uses a cryptogram provided by a contactless card associated with the client in association with a PIN stored by the contactless card to authenticate the client. In some embodiments, cryptogram authentication may be preconditioned upon a PIN match determination by the contactless card. In other embodiments, the cryptogram may be formed at least in part using the personal identification number (PIN) stored on the contactless card encoded using a dynamic key stored by the contactless card and uniquely associated with the client. Authentication may be achieved by comparing the cryptogram formed using the PIN against an expected cryptogram generated an expected PIN and an expected dynamic key.

Abstract: Systems and methods for using speech recognition technologies to facilitate retail store checkout are disclosed. According to certain aspects, an electronic device may detect a user's speech and analyze the speech to identify a set of matching items that may correspond to items being purchased by a customer. The electronic device may display, via a user interface, the set of matching items as well as a code or identification associated with the set of matching items. The user may interface with a point of sale system to input a code for a desired item, and the point of sale system may add the desired item to an order and may facilitate a checkout for the order.

Abstract: Described herein is a computing device for applying merchant promotions to a push payment transaction. The computing device includes a processor and a memory. The processor is configured to receive a promotion request message. The promotion request message includes a merchant ID and an initial push payment transaction amount. The processor retrieves, from the memory, a merchant promotion and applies the retrieved merchant promotion to an initial transaction amount to determine an updated transaction amount. The processor then transmits a promotion response message, receives an authorization message and initiates a transfer of funds. The promotion response message includes the merchant ID and the updated transaction amount. The authorization message authorizes the push payment transaction in the updated transaction amount. The funds are transferred in the updated payment amount from the user account with the originating institution to the merchant account at the receiving institution.

Abstract: Expedited virtual currency transactions are provided by identifying a first user primary wallet associated with a virtual currency and including a first user primary wallet private key. First user secondary wallets are created that each include a respective first user secondary wallet private key, and a respective virtual currency transaction is performed using the first user primary wallet private key to transfer predefined amounts of the virtual currency from the first user primary wallet to each of the first user secondary wallets such that first user secondary wallets are provided with different predefined amounts of the virtual currency. Subsequently, an instruction is received to transfer a payment amount to a second user, and the second user is allocated a subset of the first user secondary wallet private keys included in respective first user secondary wallets that are associated with predefined amounts of the virtual currency that equal the payment amount.

Abstract: A server and method for processing a card-not-present transaction whereby a purchaser selects to use one or more friends' card to obtain a reward is disclosed. The server comprises at least a computer processor to: (i) receive, from a merchant server, a payment request including a contact mechanism for the friend(s); (ii) send a selection request to the friend(s) using the contact mechanism; (iii) receive, from the friend(s) a selection response including card number(s) eligible for the reward; (iv) request the issuer server(s) for authentication and blocking the amount; (v) track a cumulative amount dynamically and repeat steps (iii) and (iv) until equal to or greater than the payment amount; (vi) generate a virtual card number for one time use based on the card number(s); and (vii) send a payment response to the merchant server including the virtual card number for the purchaser to complete the transaction.

Abstract: A cloud-based computing system is provided that includes a payments platform for integrating synchronous payment gateway services with a cloud computing platform so that clients of the cloud computing platform can perform payment transactions with customers via the cloud computing platform. The synchronous payment gateways that include a particular synchronous payment gateway. The cloud computing platform can include a multitenant database system that provides applications and services to a plurality of clients, and a payments platform module. Each client can be, for example, a tenant or organization of the cloud computing platform that transacts business with one or more customers via a synchronous payment gateway. The payments platform module has a pluggable architecture for integrating payment gateway adapters with the cloud computing platform.

Abstract: Aspects of the present disclosure include methods, systems, and non-transitory computer readable media for receiving a confirmation signal to unlock the security tag being detachably locked to a merchandise, wherein the confirmation signal includes a RFID device identifier associated with a RFID device of the security tag, and the RFID device is associated with a wireless device of the security tag, identifying the wireless device associated with the RFID device based on the RFID device identifier, transmitting a wireless signal to the wireless device to enable a controller to receive a release signal used to unlock the security tag from the merchandise, and transmitting the release signal to the controller to unlock the security tag from the merchandise.

Abstract: A computerized method for providing an interactive graphical user interface (GUI) to a user on a display of a mobile device. The method interacts with the user to obtain information about a first payment account and a second payment account. The method aggregates parameters of the first payment account and the second payment account on a unified GUI on the mobile device. The method further monitors transactions of the first payment account and the second payment account. When a particular transaction conducted by the first payment account includes parameters associated with the second payment, the method identifies that particular transaction and presents a confirmation GUI screen to the user to confirm using the second payment account instead.

Abstract: The invention relates to a charging contact unit (100, 1100) for a vehicle, for integrating beneath a road surface, with a charging contact element carrier head (113, 1113) designed to interact with a contact device on the lower side of a vehicle, the contact making and the contact separation being carried out by a relative movement of the charging contact element carrier head and the contact device in a contacting direction (6), the charging contact element carrier head (113, 1113) being movable inside the charging contact unit and/or rotatable or pivotable about the contacting direction (6) in order to compare incorrect positioning in either one or a plurality of directions extending transversely to the contacting direction (6). The invention also relates to a contact system and a road covering.

Abstract: Embodiments of the invention are directed to enabling access transaction systems to accept different communication protocols. In some embodiment, an access device receives, from a portable device, an indication that a transaction is to be performed by exchanging transaction information between the portable device and a remote computer, wherein the remote computer is configured to communicate using a first communication protocol. Next, the access device determines that the portable device is configured to communicate using a second communication protocol. The access device then converts communications between the portable device and the remote computer from the second communication protocol to the first communication protocol to assist the portable device and the remote computer in exchanging the transaction information.

Abstract: Systems and methods for implementing point of advertising purchasing include using mass media publications configured for or containing service, product or vendor transmittable signals, such as from radio frequency identification tags. In a preferred arrangement, a consumer perceiving an advertisement of the mass media publication may activate a reader in a portable communications device, such as a smart mobile or cellular phone, to receive information from the radio frequency signal associated with the advertisement to identify a vendor, product or service associated with the radio frequency identification. The smart mobile phone or communications device of the consumer may communicate with a system of a vendor or vendors by way of a commerce data organization system across a network to order a product or product information from a system of the vendor over the network by using the information from the radio frequency identification.

Abstract: An information processing apparatus includes a first reader electrically reading a first information in a non-contact manner; a second reader electrically or magnetically reading a second information; a touch panel electrically detecting the contact or proximity of an object; and a CPU electrically connected to the first reader, the second reader, and the touch panel. The CPU exclusively controls an ON/OFF of the first reading function of the first reader and an ON/OFF of the input detection function of the touch panel, based on a detection that the communication medium is placed in a predetermined position with respect to the first reader or a detection that the card is placed in a predetermined position with respect to the second reader.

Abstract: [Problem] To assist a user to use a card with which the user can receive a beneficial reward.

Abstract: The present invention relates to an auxiliary battery and an auxiliary battery rental device, and the auxiliary battery rental device according to the present invention comprises: a battery port allowing an auxiliary battery to be discharged therefrom or returned thereto; a battery queue in which auxiliary batteries are vertically stacked and loaded; a carrier for discharging an auxiliary battery loaded in the battery queue to the battery port, or loading an auxiliary battery returned to the battery port in the battery queue; a lift for lifting at least some of the auxiliary batteries loaded in the battery queue; a charging unit for charging at least some of the auxiliary batteries loaded in the battery queue; and a control unit for controlling an operation of the rental device such that lending and returning operations of the auxiliary batteries are automatically performed.

Abstract: A method for secure approval of a check includes: reading a machine-readable code to obtain a block identifier and a validation value, wherein the machine-readable code is displayed on a physical check and encoded with the block identifier and validation value; receiving a digital signature from an external device; identifying a blockchain data value stored in a blockchain, wherein the blockchain data value includes at least the block identifier and an additional value; validating the received digital signature using a public key; validating the validation value based on a comparison of the validation value to the additional value; and approving use of the physical check to fund a payment transaction upon successful validation of the received digital signature and validation value.

Abstract: A customer service assistance apparatus 10 is provided with a video image acquisition unit 11 that acquires a video image of the inside of a store, a specifying unit 12 that specifies a product that a customer in the store is interested in and attributes of the customer based on the acquired video image, an information acquisition unit 13 that searches a specific database using the specified product and attributes as queries, and acquires content corresponding to the product and attributes that serve as queries, and the transmission unit 14 that transmits the acquired content to a terminal apparatus that is used by a store salesperson of the store.

Abstract: According to the invention, a system for performing a money transfer between a sender an a recipient through the use of an augmented reality device is disclosed. The system may include a first mobile device associated with a first entity. The first mobile device may be configured to detect an indicator via an augmented reality subsystem. The indicator may include a characteristic and be associated with a second entity, as well as be configured to associate meta-information with the indicator. The first mobile device may further be configured to receive an input comprising an amount to be transferred from the first entity to the second entity and transmit a set of instructions to a money transfer network. The set of instructions may be based in part on the indicator and the input, and include instructions to perform a money transfer between the first entity and the second entity.

Abstract: According to the invention, a method for initiating a similar transaction to one previously initiated by a user is disclosed. The method may include sending a digital receipt for a first transaction to a user. The method may also include determining reminder information, where the reminder information indicates a future time or frequency. The method may further include sending to the user, upon occurrence of the future time or frequency, a digital reminder which includes an interactive element. The method may additionally include receiving an indication that the user has interacted with the interactive element, and initiating a second transaction having a characteristic in common with the first transaction based on the indication.

Abstract: This specification techniques for sharing service and identity information between devices. One example method include acquiring, by a first device, a digital object identifier (DOI) of a second device, the DOI including identity information associated with the second device; generating, by the first device, a service DOI based on the identity information from the DOI of the second device, the service DOI including the identity information of the second device and service information; and displaying, by the first device, the service DOI on a display of the first device, wherein the displayed service DOI is configured to cause the second device to perform service processing when the displayed service DOI is acquired by the second device, and wherein the service processing is based at least in part on the identity information and the service information included in the service DOI.

Abstract: According to one embodiments, an electronic money management system includes a fund charging controller and a deduction unit. The controller performs a control in a manner such that, if a transaction is made on a user's terminal through an electronic money service of a first country to charge a designated amount of funds in a currency of a second country the designated amount of funds in the currency of the second country is charged based on an exchange rate at time of the transaction. The currency of the second country differs from a currency of the first country. The deduction unit, if an electronic money service of the second country is used on the terminal, deduct an amount used from the currency of the second country charged by the controller.

Abstract: Described is a technology that enables a customer, who uses a payment card in a transaction and further provides an identifier in the same transaction, to use the identifier as a payment mechanism in all future transactions. In some embodiments, the technology involves communication between a customer's user device, a payment service system (PSS), and one or more merchant POS systems. A merchant POS system collects information in a transaction conducted between the merchant POS system and the customer, including, among others, the customer's contact information (e.g., telephone number), and forwards this information to the PSS. The PSS stores the information as an identifier, where the identifier is stored in association with the card used in the transaction. In a second transaction, the PSS sends a verification request to the user device based on the identifier (e.g., a text message), and processes the transaction only upon confirmation from the customer.

Abstract: An asset transfer request to transfer an asset to a blockchain member associated with a blockchain is detected, where the asset is of a specified asset type and is issued by a specified anchor in the blockchain. Whether there is a maximum trusted asset limit configured by the blockchain member for the specified anchor and that corresponds to the specified asset type is determined. If it is determined that the maximum trusted asset limit is not configured, application of the asset transfer request to the asset is prohibited. However, if it is determined that the maximum trusted asset limit is configured, whether the maximum trusted asset limit is exceeded is determined. If it is determined that the maximum trusted asset limit is not exceeded, the asset transfer request is applied to the asset.

Abstract: The present invention relates generally to the field of wearable devices and transaction banking, and more particularly to a smart wearable ring based wireless transaction system and method thereof which has capability to works at both point of sale (PoS or POS or Pos) system and/or at automated teller machine (ATM) centers for our purchases as well as for ATM transactions. Accordingly, an aspect of the present invention is to a smart ring having one or more inner rings, wherein each ring is utilized to set pin on the ring to enable the RFID chip which is embedded in the ring to initiate/perform at least one transaction.

Abstract: A system, method, and computer program product for dynamic application selection for payment transactions determines identification data of an issuer institution associated with a portable financial device based at least partially on transaction data associated with at least one transaction at a merchant with the portable financial device. At least one electronic service application of a plurality of electronic service applications is determined based at least partially on the identification data of the issuer institution. Electronic service application data associated with the at least one electronic service application and stored in association with the issuer institution is accessed at a merchant system of the merchant. The at least one transaction is modified based at least partially on the electronic service application data associated with the at least one electronic service application.

Abstract: A device implementing a user configurable direct transfer system may include at least one processor configured to receive, from an electronic device associated with a user account, a request to establish a type of transfer between a first account associated with an entity and a second account associated with the user account, the request including an entity identifier and a transfer type identifier. The at least one processor may be further configured to generate a transfer alias that is stored in association with the entity identifier, a second account identifier, and the transfer type identifier, and provide the transfer alias to the electronic device and a server associated with the entity to facilitate the type of transfer between the first account associated with the entity and the second account associated with the user account.

Abstract: First POS transaction summary data associated with a first POS machine is generated. A first authorization code associated with the first POS transaction summary data is transmitted to a first transaction data management module (TDCMM). The first POS transaction summary data is transmitted to a POS transaction data management server. Final POS transaction receipt data is generated, where the final POS transaction receipt data comprises the first POS transaction summary data augmented with adjunctive POS transaction data distinguishable from the first POS transaction summary data. The final POS transaction receipt data is transmitted to at least one receipt generation device within a set of receipt generation devices coupled to the first POS machine.

Abstract: A checkout system includes at least one input apparatus and at least one controller. The input apparatus receives an input indicating that a plurality of transactions are consecutively performed by a single customer. The input apparatus receives input of merchandise information for the plurality of transactions. The input apparatus also receives an input of a user code corresponding to a service. The at least one controller generates payment information indicating a total amount to be paid for each transaction of the plurality of transactions based on the input merchandise information. The user code is applied in connection with payment processing for each of the plurality of transactions without requiring the user code to be input more than once. Payment processing is performed with respect to each of the plurality of transactions based on the corresponding payment information, in accordance with a payment operation of the single customer.

Abstract: An augmented reality system enables consumers to access additional data and services when reviewing printed account statements. A built-in camera of a mobile device captures an image of the account statement. The captured image is processed to correlate the account statement to an account provider, effectively unlocking a set of customized services related to the account statement being reviewed. The mobile device displays customized services for the user to view and interact with.

Abstract: In a payment processing system, a secure intermediary system associates payment processing devices including a POS device, mobile communication device, and transaction server with unique identifiers. The secure intermediary receives communications of transaction data from the payment processing devices, the communications including identifiers. The secure intermediary uses the unique identifiers to determine network addresses for the recipients of transaction data in support of a transaction.

Abstract: A method of transferring money from a sender to a recipient using a third party money transfer service a point of sale device receiving transaction details for a requested money transfer; determining whether the requested transaction is an allowable transaction; and either aborting the transaction; attempting to identify the sender as an existing customer using the transaction details; using the sender's transaction history and the transaction details to determine whether to allow the requested transaction to proceed. If the requested transaction is allowed to proceed, the method includes creating a money transfer record for the requested transaction; associating a money transfer control number to the money transfer record; and using the transaction details to determine whether to monitor the requested transaction.

Abstract: A light source module and a display module are provided. The light source module includes: a substrate; a plurality of first light sources spaced on the substrate, each of the plurality of first light sources being configured to emit visible light; a depth sensor on the substrate; and a first blocking member configured to shield visible light but transmit invisible light. The depth sensor includes a second light source configured to emit invisible light and a light receiving member configured to sense invisible light, an orthographic projection of the second light source on the substrate is located within an orthographic projection of a gap between two adjacent first light sources on the substrate, an orthographic projection of the first blocking member on the substrate at least partially covers the orthographic projection of the second light source on the substrate.

Abstract: Technologies related to mobile credit payment are disclosed. In an implementation, a first SNEP Get Request Message is generated and sent to a mobile computing device, in response to a NFC signal received from the mobile computing device. A first SNEP Response Message is received from the mobile computing device and parsed to identify an APP public key license. A pre-stored credit authorization public key is used to verify the APP public key license and an APP public key is retrieved from the APP public key license if the verification is successful. A second SNEP Get Request Message is sent to the mobile computing device and a second SNEP Response Message is received from the mobile computing device. The APP public key is then used to decrypt the second SNEP Response Message, and a transaction log is recorded if the second SNEP Response Message is successfully decrypted.

Abstract: Technologies related to mobile credit payment are disclosed. In an implementation, a credit payment request is generated and sent to a user account of a credit payment application (APP) installed on a mobile computing device. A payment response message is then received from the mobile computing device. The payment response message is parsed to identify an APP public key license. A pre-stored credit authorization public key is used to verify the APP public key license and an APP public key is received from the APP public key license if the verification is successful. A payment deduction request is generated and sent to the user account of the credit payment APP. A payment authorization encrypted using asymmetric key encryption is received from the mobile computing device. The APP public key is used to decrypt the payment authorization, and a transaction log is recorded if the second response message is successfully decrypted.

Abstract: Technologies related to mobile credit payment are disclosed. In an implementation, a credit payment request is generated and sent to a user account of a credit payment application (APP) installed on a mobile computing device. A payment response message is then received from the mobile computing device. The payment response message is parsed to identify an APP public key license. A pre-stored credit authorization public key is used to verify the APP public key license and an APP public key is received from the APP public key license if the verification is successful. A payment deduction request is generated and sent to the user account of the credit payment APP. A payment authorization encrypted using asymmetric key encryption is received from the mobile computing device. The APP public key is used to decrypt the payment authorization, and a transaction log is recorded if the second response message is successfully decrypted.

Abstract: A method and apparatus for identifying a location of a radio-frequency identification tag. A hand-held locator device is configured to transmit a first signal and a second signal. A frequency of the first signal changes through a first range of frequencies and is transmitted in a range of directions corresponding to the first range of frequencies. A frequency of the second signal changes through a second range of frequencies and is transmitted in the range of directions corresponding to the second range of frequencies. A difference frequency signal, having a frequency that is a difference between the frequency of the first signal and the frequency of the second signal, is received from the radio-frequency identification tag. The difference frequency signal is processed to determine and display a direction of the radio-frequency identification tag from the locator device.

Abstract: A method, non-transitory computer readable medium, system and/or mobile device for authenticating security features, the mobile device for authenticating security features includes at least one sensor for detecting security features, a memory having stored thereon computer readable instructions, and at least one processor configured to execute the computer readable instructions to receive a target image of a product to be authenticated, the product including at least one security feature, identify the product to be authenticated based on the target image and product information stored in a product database, obtain sensor configuration information for the at least one sensor associated with the at least one security feature of the product based on the identified product, examine the at least one security feature of the product with the at least one sensor based on the obtained sensor configuration information, and authenticate the product based on results from the examination.

Abstract: Various embodiments of the present disclosure relate generally to providing virtual assistants. More specifically, various embodiments of the present disclosure relate to methods and systems for providing a simulation-based virtual advisor. In some embodiments, the systems and methods combine and/or integrate the functionality of a conversational virtual agent (e.g., a virtual assistant) with the functionality of a simulation virtual agent, to provide users, customers, or members with targeted, user-specific information in response to questions or other intentions posed by the users via messages exchanged between the users and the agents.

Abstract: A system and a method are provided to enable a user to post on the internet an item for sale, obtain a credit therefor, access the credit and convey the item to a buyer. The system includes a database of information and an item upload function arranged to enable the user to post information about an item that the user wishes to sell. The system further includes a credit establishment function establishes a credit for the user based on the posting, wherein the credit establishment function is arranged to make the credit available for the user to access immediately upon posting the item. A credit usage function permits the user to store the credit or convert the credit into funds accessible by the user. A reporting aspect of the system enables the user to see credit usage and availability information.

Abstract: The present invention provides that a credit card authentication value is divided into meaningless information block 1 and information block 2, the information block 1 can be transmitted to a user authentication device that is physically insulated, and the user authentication device that encodes the information block 1 on the basis of payment PIN information received from user equipment and keeps the encoded information block 1, and decodes the encoded information block 1 on the basis of the payment PIN information and transmits the information block 1 to the credit card permission request device, when there is a request from the credit card permission request device, thereby determining whether there is forgery in payment on a web. Accordingly, security in payment can be improved.