33results about "Credit schemes" patented technology

In some examples, a system receives an indication of a payment for a transaction between a first user and a second user, and initiated using a physical card or a virtual card associated with an account of the first user. A notification representative of the transaction is presented via a user interface of a user device of the first user and includes transaction details associated with the transaction, and further includes an interactive component to enable the first user to finance an amount for at least a portion of the payment in lieu of using funds from the account of the first user. Based on receiving an indication of an interaction with the interactive component, the second user is paid using funds associated with the amount financed. A series of payments are initiated at least from the account of the first user for repayment of at least the amount financed.

Implementations of the present application provide data interaction methods and devices. In one example implementation, authorization data for a current interaction are received from a remote server, wherein the authorization data comprises signature information, time information of current authorization, a random number of the current authorization, and a threshold. The authorization data are verified by performing at least one of: comparing the time information comprised in the authorization data with a current time; determining whether the random number comprises in the authorization data exists in a previous data interaction; or determining whether the data of the current interaction exceeds the threshold comprised in the authorization data. Whether to cancel the current interaction is determined based on the verification of the authorization data.

The application belongs to the field of computer software and engineering information technology, and particularly relates to a compliance risk control and payment management system and method for the engineering construction industry, which comprises: an engineering document intelligent analysis module, which adopts a constructed multi-modal AI model to identify and structure four-tuple information; an engineering project structured modeling module, which constructs a multi-level regional tree model, and associates each leaf node in the tree model with a unit price, a weight and a payment trigger condition agreed in a project contract; a mapping engine, which stores and manages payment rules, and supports parsing natural language clauses into executable logic rules; a dynamic progress payment calculation module, which traverses the multi-level regional tree model, and automatically accumulates corresponding unit prices and engineering quantities; an intelligent early warning and risk control module, which collects multi-dimensional process data of each approval link in real time, and dynamically determines an overdue probability through a pre-constructed risk scoring model. The application can realize high-precision semantic analysis, accurate mapping, dynamic pricing and intelligent risk control.

Systems and methods for account matching based on partial profile data are disclosed. According to one embodiment, in an information processing apparatus comprising at least one computer processor, a method for account matching based on partial profile data may include: (1) receiving, from a merchant, partial payment card information for a merchant customer, wherein the merchant customer is also a financial institution customer; (2) querying a database to identify a plurality of payment card accounts matching the partial payment card information; (3) requesting a transaction over a payment network for the plurality of payment card accounts matching the partial payment card information; (4) monitoring the payment network for the transaction involving one of the plurality of payment card accounts matching the partial payment card information; and (5) associating the payment card account involved in the transaction as the payment card account associated with the merchant customer.

To provide an information processing device which can support continuous breeding of a purchased pet or continuous maintenance / management of a certain purchased article, and a selling method with a function for confirming continuous ownership of a purchased article.SOLUTION: An information processing device 1 includes: a cost calculation unit 11 that calculates a continuous breeding cost required for continuously breeding a pet; a cost presentation unit 12 that presents the continuous breeding cost calculated by the cost calculation unit 11 to a card member of a credit card who is a person planning purchase of the pet; an input acquisition unit 13 that acquires a prescribed input from the purchase planning person to whom the continuous breeding cost has been presented; and a frame setting unit 14 that sets a continuous breeding cost quota for securing the continuous breeding cost within an available amount of the credit card when the prescribed input has been acquired by the input acquisition unit 13.SELECTED DRAWING: Figure 1

To reduce labor of an operator in refund processing for cancelling credit card settlement.SOLUTION: A settlement device of an embodiment includes settlement means, determination means, reading control means, and refund means. The settlement means makes credit card settlement selectively using a contact reading device for performing contact reading of card data recorded in a credit card and a contactless reading device for performing contactless reading. The determination means determines by which of contact reading and contactless reading the card data used is read in connection with the credit card settlement completed for a transaction in the past. The reading control means forms a state of executing reading with the contact reading device when it is determined that the card data is read by contact reading, and forms a state of executing reading with the contactless reading device when it is determined that the card data is read by contactless reading. The refund means executes refund processing for a settled amount in connection with the transaction using the card data read with the contact reading device or the contactless reading device.SELECTED DRAWING: Figure 10

To provide technologies that improve user convenience. [Solution] The program causes the computer to function as a product order receiving means, a credit information receiving means for obtaining user credit information, a payment means for settling the price of the ordered products based on the acquired user credit information, and a product shipment management means for managing the shipment date of the ordered products. If the shipment date of the ordered products has not yet been reached, the product order receiving means maintains the order on the condition that credit information is obtained again.

The application belongs to the technical field of load type virtual power plants, and discloses a load type virtual power plant cost settlement method and related devices; wherein the load type virtual power plant cost settlement method comprises the following steps: obtaining original data for deviation cost settlement based on the selected load type virtual power plant and the deviation cost settlement mechanism demand; and performing settlement by using the deviation cost settlement mechanism based on the original data to obtain a deviation cost settlement result; the deviation cost settlement mechanism comprises a medium and long term shortage recovery cost settlement mechanism, a medium and long term excess declaration recovery cost settlement mechanism, a medium and long term curve deviation recovery cost settlement mechanism, and a grid-connected load type virtual power plant planned power deviation recovery cost settlement mechanism. Through the inventive concept of "multi-mechanism coverage and scene-specific accurate settlement", the application solves the existing problems of cost settlement under the background of high proportion of new energy from multiple dimensions such as "scene adaptation, efficiency improvement, risk avoidance".

Systems and methods are disclosed for least cost acquirer routing based on pricing models. One method comprises: receiving transaction-related information from a merchant, the transaction-related information including a payment network identifier of the payment network used in the initiated payment transaction; identifying the payment network used based on the payment network identifier determining the primary qualification criteria pertaining to the payment network used; determining an interchange rate and an interchange category based on the primary qualification criteria and the received transaction related information; determining a pricing model of an acquirer that yields the lowest fees applicable to the merchant based on one or more of, the transaction related information, the primary qualification criteria, and the interchange category; and transmitting the transaction-related information to the acquirer.

It can accurately determine whether or not electronic payment can be used. [Solution] An information processing device comprising: an acquisition unit that acquires information about stores or services that are the target of electronic payment on the network from a user terminal device via the network in response to a user performing an operation on the user terminal device to use a prepaid electronic payment using the network; and a processing unit that determines whether or not to perform the prepaid electronic payment at the target store by referring to determination information which associates information indicating whether or not the prepaid electronic payment can be used with the information about the store or service.

It can accurately determine whether or not electronic payment can be used. [Solution] An information processing device comprising: an acquisition unit that acquires information about stores or services that are the target of electronic payment on the network from a user terminal device via the network in response to a user performing an operation on the user terminal device to use a prepaid electronic payment using the network; and a processing unit that determines whether or not to perform the prepaid electronic payment at the target store by referring to determination information which associates information indicating whether or not the prepaid electronic payment can be used with the information about the store or service.

To reduce costs for a store while improving convenience to staff of the store.SOLUTION: An application program runs on a store terminal device installed in a store participating in an electronic payment service, and executes processes related to the electronic payment service in collaboration with a server device providing the electronic payment service. The application program enables the store terminal device, in response to inputs to the store terminal device, to activate payment through contactless communications with a credit card of a user of the electronic payment service.SELECTED DRAWING: Figure 1

The application belongs to the field of railway transportation, and discloses a method, system and electronic device for charging a fee based on an account mode, the method comprising: determining a corresponding user account based on input ticket information; detecting whether there is a valid ticket purchase record in the user account; if not, determining whether the user account has a ride permission; if the user account has a ride permission, allowing the user to ride, and deducting a ride fee from the user account after the ride ends. The application realizes that both pre-purchased ticket scenarios and post-paid scenarios are managed based on the same user account, simplifying the ride process of the user. Meanwhile, the user is allowed to ride when the user account has a ride permission, and the fee is deducted from the user account after the ride ends, improving the flexibility of the ride fee deduction mode, meeting the needs of the user for different travel scenarios, realizing the switching of the ride fee deduction mode without the user's awareness, reducing the complexity of the user's operation, and improving the user experience.

The invention provides a transaction processing method and device, and the method comprises the steps: carrying out the transaction type recognition of a transaction request of a user, obtaining a transaction type, and carrying out the recognition of a transaction type under the condition that the transaction type is in a transaction type set sharing a credit line, and carrying out transaction trigger detection on the transaction request by combining the quota distribution parameters under the transaction categories, the shared credit quota and the credit quota corresponding to the quota credit quota record of the transaction categories, so as to realize quota sharing and credit quota sharing of each transaction category through the shared credit quota.

Embodiments of the present application provide a locking control method, a terminal device, a storage medium and a program product. The method comprises: when a first instruction is acquired, locking a system interface of the terminal device based on the first instruction, the first instruction being used to indicate locking the terminal device, the first instruction comprising first prompt information, the first prompt information being used to prompt a user of the terminal device to standardize a behavior; setting a lock flag bit of a one-time programmable storage chip of the terminal device to a first value based on the first instruction, the first value being used to indicate that the terminal device is in a locked state; locking a user identification module of the terminal device based on the first instruction; and when the system interface of the terminal device is locked, the lock flag bit is the first value, and the user identification module is locked, displaying the first prompt information. The method is used to improve the efficiency of managing and controlling the terminal device.

A system and method are disclosed in which a user engaging in an online or in-person transaction with a merchant may create automatic expiring transactions for a credit card. The user provides the credit card information to an online interface or a point-of-sale device but specifies an expiration date that is on or before the actual expiration date of the credit card, known as an artificial expiration date. A token for the merchant is generated with the artificial expiration date. The issuing bank will honor the transaction with the artificial expiration date using the merchant-specific token, and the token may continue to be used with the online merchant until the artificial expiration date.

A method of facilitating a dynamic interchange in relation to a transaction associated with a payment card may include receiving pre-purchase information from a customer identifying a future transaction and indicating customer intent with respect to treatment of the future transaction, receiving an indication of a current transaction between a customer and a merchant using the payment card, and determining whether to assign the customer intent to the current transaction based on the pre-purchase information. The method may further include, in response to determining to assign the customer intent to the current transaction, providing coded information into an authorization message to indicate the customer intent and enable a payment processor handling transfer of funds to the merchant in association with completing the current transaction to apply a selected changeable interchange fee to the current transaction.

A method is provided comprising receiving, at a first node, transactional data associated with a consumer (wherein the first node comprises a processor and a tangible, non-transitory memory), receiving, at the first node, a credit approval request associated with the consumer, wherein the credit approval request is associated with a proposed transaction, determining, by the first node, whether the transactional data conforms with the proposed transaction, and at least one of approving and denying the credit approval request in response to the determination.

This device provides a secure method for authenticating transactions while inside a vehicle by combining voice biometric authentication with additional means for credit card payment processing. [Solution] The biometric authentication verification device 28 receives verification data 25, which includes an audio file, vehicle information, and an acoustic watermark, provided by the vehicle's in-vehicle diagnostic system 52, and telemetry data 50, which is provided by the vehicle to the telematics server 42. These are then used to verify each other before deciding whether to authenticate the presented transaction.

In some implementations, a token system may generate a limited use token for use in a first transaction between a user and a transacting entity. The token system may store one or more rules to amortize a value associated with the first transaction over multiple installments. The token system may receive a second request to map the limited use token to an open-ended account associated with the user. The token system may map the limited use token to the open-ended account associated with the user based on the second request. The token system may receive information indicating that the limited use token was used in a second transaction between the user and the transacting entity. The token system may map the second transaction associated with the limited use token to the open-ended account mapped to the limited use token.

To enable users to immediately pay off outstanding credit card balances if they become aware of them. [Solution] An information processing device that can communicate with a user terminal device operated by a user, comprising: an unpaid determination unit that determines whether or not the user has outstanding credit card charges; a receiving unit that, if the user has outstanding charges, receives from the user a payment method to be used to pay the outstanding credit card charges from among a plurality of payment methods; and a screen generation unit that generates a payment screen containing code information necessary to pay the outstanding charges at a store according to the payment method received from the user, and displays the payment screen on the user terminal device.

An example operation may include one or more of storing a data store of credit card documentation, conversing with a user via a chatbot within a chat window of a software application, wherein the conversing comprises receiving natural language inputs with requests for information about a payment card, identifying a benefit obtained by the user based on the conversation, executing a large language model (LLM) on the identified benefit and the data store of the credit card documentation to generate a letter of confirmation, and generating an electronic message with the letter of confirmation attached, and transmitting the electronic message to a user device. The example operation may further include an AI agent that performs an action based on the digital message.

To provide an information processing device, an information processing method, and a program that can interpret user requests and select an appropriate response channel. [Solution] An information processing device comprising: a first processing unit that acquires text information which is a text representation of a request issued by a user, and inputs input information including the text information into a first model to acquire first model output information which represents the request output by the first model; and a second processing unit that inputs at least the first model output information into a second model which is constructed as a model different from the first model to acquire second model output information which indicates which of a plurality of corresponding channels output by the second model matches the user's request, and selects a corresponding channel which corresponds to the user's request based on the second model output information.