691results about "Credit schemes" patented technology

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 embodiment of the invention provides a payment method, a wallet system and a storage medium. According to the method, a wallet system receives a payment request of a target order, the payment request represents that a user requests to pay the target order through a target payment medium, and a target payment rule indicating an account type allowed to be used in the payment process is obtained; determining whether a target account capable of paying the target order exists in a target payment medium based on the target payment rule; under the condition that the target account exists, the target account is used for payment to obtain a payment result of the target order; wherein the target payment medium comprises account sets corresponding to multiple account types, the multiple account types comprise a debit type and a credit type, and the account set corresponding to each account type comprises at least one account belonging to the account type.

The present disclosure describes computer-implemented methods and systems for automating application processing with dynamic data collection and augmentation related to applicants' behavior. The method includes receiving a plurality of applications with corresponding information, then aggregating, storing, and preprocessing data related to the applicants' behavior. The method also includes a machine learning model including a training dataset, a feature selection module, a hyperparameter tuning module, and a prediction model. The method includes predicting the application outcome based on the application information and behavior data and generating an underwriting decision based on the prediction. The method further includes providing underwritten applications for display and receiving a selection of a subset of the underwritten applications.

To provide a credit card management apparatus which automatically determines a payment account according to how a credit card is used, without requiring a user of the credit card to designate the payment account when using the credit card.SOLUTION: A credit card management apparatus 10 includes: a management unit 111 which manages a card number of a credit card in association with a plurality of payment accounts; an acquisition unit 112 which acquires use information including the amount paid by using the credit card and the card number, use information relating to the use of the credit card; a classifying unit 113 which classifies modes of use of the credit card on the basis of the use information; a determination unit 114 which determines one of the payment accounts associated with the credit card, on the basis of the result classified by the classifying unit 113; and a settlement unit 115 which generates settlement information for withdrawing the amount paid from the one payment account.SELECTED DRAWING: Figure 2

A system for dynamically revising a merchant page by one or more processors communicatively coupled to webservers hosting merchant pages may be configured to receive from a webserver a transaction amount and a unique identifier of a user interacting with the page without an input of a credit card number of the user and without the webserver accessing the credit card number in a data storage, identify, using the unique identifier and without receiving personally identifiable information from the webserver, a user profile including at least one dataset corresponding to a credit card of the user, and upon identifying an attribute of an alternative payment option for the user based on the user profile, generate an instruction to the webserver to dynamically render the page by displaying at least one interactive element including the alternative payment option based on an indicator of the credit card of the user.

A method for distributing user data and permission settings is provided. The method includes receiving user inputs that identify at least one experience provider for data sharing and at least one data sharing preference of the user, configuring a rules engine of the platform computing system with rules based on the user inputs where the rules engine is configured to apply rules to implement data sharing preferences of the user, receiving a request for data of the user, transmitting the request for data of the user, receiving the applicable data of the user, providing the applicable data of the user, determining an amount of funds received from the experience provider and due to the user, and crediting an account associated with the user in the amount of the funds due to the user.

A computing system includes one or more processing circuits including one or more processors coupled to one or more memory devices, the one or more memory devices having instructions stored thereon that, when executed by the one or more processors, cause the one or more processors to receive an indication of a customer transaction associated with a customer, the indication of the customer transaction including a transaction amount. The instructions further cause the one or more processors to determine a credit score effect based on the transaction amount. The instructions further cause the one or more processors to generate display data including a credit score indicator indicative of the credit score effect. The instructions further cause the one or more processors to cause a graphical user interface, based on the display data, to be displayed to the customer prior to completion of the customer transaction.

Improve user convenience. 【Solution means】The setting acquisition unit (104) of the payment system (1) acquires settings regarding installment payment, recurring payment, or bonus payment of payment means available to the user. The processing execution unit (102) executes processing regarding installment payment, recurring payment, or bonus payment based on the settings. The setting release unit (105) releases the settings based on a predetermined release condition.

Systems and methods are disclosed for secure online transaction. The method includes receiving a plurality of transaction data associated with an authenticated registered user from a point of sale (POS) terminal. The plurality of transaction data is processed to identify sensitive information. The sensitive information is substituted with cryptographically generated tokens at a reader head of the POS terminal, wherein the tokens are randomly generated numbers, randomly generated character sequences, pseudorandom numbers, or a combination thereof. The cryptographically generated tokens are encrypted, via an encryption protocol, to generate encrypted tokens at the reader head of the POS terminal. The encrypted tokens are transmitted to one or more processing servers for data aggregation and payment settlement.

Examples provide dynamic incentives for installment payment plans. A request for a dynamic incentive associated with an installment payment plan is received. An incentives manager analyzes transaction data, associated with a transaction performed on a merchant application or a website, using a set of user-configured rules to generate dynamic incentives in real-time. The incentives are customized for each user such that two users presented with the same installment payment plan are offered different incentives based on their previous transaction history, merchant preferences, dynamic market trends data, and / or payment card data. The incentives can be prioritized using scores and / or rankings enabling the system to present the highest priority incentives to the user. The customized incentives are presented to the user with the installment payment plans in real-time during completion of the transaction. By offering incentives to the user, user stay on the merchant application or the website is extended.

A method may include receiving, via an interface respective of a third party, a first request respective of a user to access a payment application, prompting the user, in response to the first request, to provide user credentials, receiving, from the user, user credentials, processing, via a first set of modules, the user credentials to determine a validity of the user credentials, in response to determining that the user credentials are valid, retrieving transaction details from the third party, the transaction details comprising a profile of the third party and a profile of a subject of the transaction, processing, via a second set of modules, the transaction details to determine a validity of the transaction details, and in response to determining that the transaction details are valid, transmitting an approval of the user to the third party.

A system that facilitates a transfer of an amount of funds associated with a line of credit to a gaming establishment account and then to a gaming device, such as an EGM, wherein the amount of funds associated with the line of credit is separately tracked by the system.

The invention discloses a cross-transaction system accounting function separation method based on a rule engine, and belongs to the technical field of financial accounting, in the method, the accounting function of a traditional transaction system is decoupled through the rule engine, and the agility and compliance capability of financial transaction processing are effectively improved. A core accounting rule is abstracted as an independent execution unit, so that a bottom layer system does not need to be reconstructed in business operations such as rate adjustment and account division strategy change, and the new rule online period is compressed from a week level to an hour level. The multi-level rule architecture supports a mixed processing mode of real-time transaction and batch correction, can meet millisecond-level liquidation requirements in a cross-border payment scene, can automatically adapt to dynamic compliance strategies of different supervision jurisdictions, and realizes parallel computing and accurate matching of global regional transaction rules. The continuity of key transactions is guaranteed by a geo-fence routing and intelligent traffic segmentation mechanism.

The invention discloses a credit payment processing method and system for a transaction platform, and relates to the technical field of credit payment, and the method comprises the steps: obtaining basic data of all tenants in the transaction platform, and calculating a dynamic weight for each tenant according to the basic data; creating an independent policy sandbox environment for each tenant according to the dynamic weight; inputting the basic data of the tenant into a preset mixed credit assessment model, and executing credit assessment of the tenant based on a policy sandbox environment; dynamically adjusting the credit line of the tenant according to the mixed evaluation result; and executing compliance verification and calculating a risk score according to the real-time credit line of the tenant and the basic data, if the risk score exceeds a preset threshold, triggering risk interception, and executing a credit payment isolation instruction. Through dynamic weight calculation, independent strategy sandbox isolation, a mixed credit evaluation model and block chain compliance verification, the problems of credit strategy coupling, data leakage, evaluation lag and compliance dependence on manpower in a multi-tenant environment are solved.

To provide an information processing device, an information processing system, an information processing method, and an information processing program capable of properly making payments of various fees relating to a certain trade.SOLUTION: An information processing device includes: an information obtaining unit that obtains first information from a manager terminal; a first assessing unit that transmits, to a settlement terminal, second information on a second fee obtained by adding a predetermined amount of money to a first fee based on the first information; a result obtaining unit that obtains a result of settlement processing from the settlement terminal when the settlement processing is executed at the settlement terminal on the basis of the second information and third information; and a fee obtaining unit that obtains a second fee in accordance with the second information from the settlement terminal on the basis of the result of the settlement processing at the settlement terminal.SELECTED DRAWING: Figure 1

In a first user session, first order data is received relating to a first subscription offering. Based on a user acceptance of and access to a first loan under a financing offer presented during a check out flow, a first payment may be received. In a second user session, a second payment is received. A determination is made whether a payment under the first loan is due, or whether the first loan is paid off. Based on a determination that a payment under the first loan is due, the second payment is applied to the first loan. Alternatively, based on a determination that the first loan is paid off, the second payment is applied as a credit to a user account, or as payment for an item or service in a check out flow in the second user session.

A method of reducing a future amount of electronic fraud alerts includes receiving data detailing a financial transaction, inputting the data into a rules-based engine that generates an electronic fraud alert, transmitting the alert to a mobile device of a customer, and receiving from the mobile device customer feedback indicating that the alert was a false positive or otherwise erroneous. The method also includes inputting the data detailing the financial transaction into a machine learning program trained to (i) determine a reason why the false positive was generated, and (ii) then modify the rules-based engine to account for the reason why the false positive was generated, and to no longer generate electronic fraud alerts based upon (a) fact patterns similar to fact patterns of the financial transaction, or (b) data similar to the data detailing the financial transaction, to facilitate reducing an amount of future false positive fraud alerts.

The invention relates to a resource advance processing method and device, computer equipment, a computer readable storage medium and a computer program product. The method comprises the following steps: acquiring resource pre-expenditure information fed back by a resource receiving client for a resource pre-expenditure account, and performing parameter analysis on the resource pre-expenditure information to obtain an account belonging place of the resource pre-expenditure account, an information source place of the resource pre-expenditure information and pre-expenditure confirmation time; under the condition that the account attribution and the information source are in different time zones, performing time conversion on the information source and the account attribution to obtain a first time conversion relation between the information source and the account attribution; converting the advance confirmation time based on the first time conversion relation to obtain equivalent confirmation time of the advance confirmation time in the account belonging place; and recording resource advance information according to the equivalent confirmation time. By adopting the method, the real-time performance of information recording can be improved.

The invention discloses a post-payment guarantee method and a payment system with funds and trust as targets, and aims to provide real-time credit assessment and risk control for users in a post-payment financial system. The method comprises the following steps: firstly, constructing a post-payment financial system, collecting multi-source historical transaction data of a user, and constructing a user portrait through data analysis; thirdly, performing preliminary credit evaluation according to the user portrait, determining post-payment permission and formulating a fund bottom-out strategy; then, monitoring user transaction data in real time by using a deep learning algorithm, predicting a default probability, and dynamically adjusting fund bottom-out strategy parameters; and finally, optimizing the fund bottom-out strategy based on the default risk coverage degree to form a dynamically adjusted fund bottom-out optimization strategy. The method effectively improves the transaction security, reduces the default risk, improves the user trust, is suitable for a plurality of scenes such as finance and e-commerce, and has a wide application prospect.

The invention discloses a rental and income calculation method and device for a rental service, which can be applied to the financial field, and comprises the following steps: determining a calculation mode of the rental and the interest rate of the rental service, and if the calculation mode is financing rental pricing calculation, determining the calculation mode; if the calculation mode is operational lease pricing calculation, a rent schedule and income information of the lease service product are calculated according to first machine account information of the lease service product, and the first machine account information comprises a rent payment mode, call information, delivery information, a rent payment scheme and financial and transaction clause information; if yes, a rent schedule and income information of the rental service product are calculated according to second machine account information of the rental service product, and the second machine account information comprises basic information, a rent payment mode and financial transaction clause information of the rental service product. Therefore, the rent schedule and the income information can be automatically calculated, manual calculation is not needed, errors of manual calculation are avoided, and the calculation efficiency is improved.

A computer-implemented method for utilizing a machine learning model configured to determine synthetic identity theft may include processing a plurality of user datasets to generate a set of features for each user dataset, with each set of features being representative of a particular user. The method may further include generating a plurality of embeddings sets, with each embedding set being representative of a respective set of features, generating a plurality of synthetic user datasets, combining the plurality of embeddings sets and the plurality of synthetic user datasets to generate a training dataset, the training dataset comprising a plurality of user profiles, training the machine learning model based on the generated training dataset, and determining, via the machine learning model and in response to receiving a new user profile, a determination of whether the new user profile is real or synthetic.

The embodiment of the invention provides an oil and gas service integration platform management system, the system comprises a distributed service platform and an oil and gas service integration platform, and the distributed service platform comprises a purchasing platform, a distribution platform, a warehouse logistics platform, a resource platform and a risk management platform; the purchasing platform is used for receiving a purchasing order of a purchaser, carrying out order integration and sending the integrated purchasing order to a corresponding supplier; the distribution platform is used for receiving a sales order of a supplier, searching a purchaser and sending the sales order to the purchaser; the warehouse logistics platform is used for matching a transportation party after detecting cargo delivery information, and sending cargo attributes to the transportation party; the resource platform is used for sending financial service information to a purchaser after detecting a non-full order of the purchaser, querying a financial service party and sending cooperation information to the financial service party; the risk platform is used for sending request information to a risk management party after receiving risk management requests of a purchaser and a supplier.

To enable the user to understand the compensation content even if they forget the existence of the incidental insurance of the credit card. 【Solution means】The first acquisition unit 211 acquires first information regarding the incidental insurance of the credit card associated with the user U of the electronic payment based on an operation on the payment application regarding the electronic payment. The display control unit 212 displays a display based on the first information on the screen of the payment application. The operation is an operation on the insurance icon C1 for displaying information regarding the insurance subscribed by the user U using the account of the electronic payment.

Systems and methods for conducting transactions using hybrid credit / charge financial instruments are disclosed. A method may include a transaction processing computer program: establishing a hybrid account comprising a pay-in-full portion and a revolving balance portion, the pay-in-full portion having a pay-in-full portion limit, and the revolving balance portion having a revolving balance portion limit; receiving a transaction for a transaction amount involving the hybrid account from a point of transaction device; applying rule(s) to the transaction to identify a pay-in-full amount of the transaction amount for the pay-in-full portion and / or a revolving balance amount of the transaction amount for the revolving balance portion; debiting the pay-in-full portion for pay-in-full amount and / or the revolving balance portion for the revolving balance amount; monitoring the pay-in-full portion and the revolving balance portion for balances and payments; and adjusting the pay-in-full portion limit and / or the revolving balance portion limit based on the monitoring.

Systems and methods are provided for managing network traffic. One example method includes receiving an authorization message for a network transaction, the authorization message including a merchant ID (MID), an interbank card association (ICA) number, and a primary account number (PAN) for an account of a user; determining, by the installment host computing device, whether the MID and ICA are registered for installments; in response to determining that the MID and ICA are registered for installments: determining whether the PAN is an installment PAN; and in response to determining that the PAN is the installment PAN: determining a resource code based on the authorization message; appending the resource code to the authorization message; and forwarding the authorization message including the resource code to an issuer of the account.

Cryptocurrencies may be used within the current Four Party Model to settle transactions between a merchant and a consumer who may use or accept fiat and / or cryptocurrency. An intermediary wallet entity may assume the risk of cryptocurrency transactions. For example, a fiat-fiat transaction may follow the usual settlement process of the Four Party Model. In a crypto-crypto transaction, settlement may occur in real time. But in a fiat merchant / crypto customer transaction, settlement may be made from the customer's crypto wallet to an intermediary wallet. Fiat settlement would then occur between the intermediary and merchant following the Four Party Model. In a crypto merchant / fiat customer transaction, a transfer may be made from the intermediary wallet to the merchant's crypto wallet. Fiat settlement between the customer's bank (issuer) and intermediary can happen in the usual settlement process.

A system may include one or more processors, and one or more non-transitory, computer-readable mediums including instructions which, when executed by the one or more processors, cause the system to receive, at an authorization engine, from an issuing processor, a transaction authorization request including transaction information, compare, by the authorization engine, the transaction information to an available balance, based on the comparison, transmit, by the authorization engine, to the issuing processor, an approval message, transmit, by the authorization engine, the transaction information to a line of credit engine, determine, by the line of credit engine, an updated available balance based on the transaction information, and transmit, by the line of credit engine, the updated available balance to the authorization engine.

Methods and systems are presented for providing a framework for facilitating time-sensitive cryptocurrency transactions for users. When a request for processing a time-sensitive cryptocurrency transaction using funds from a cryptocurrency wallet is received from a user, a transaction system first verifies whether the cryptocurrency wallet has a balance to cover the cryptocurrency transaction. The transaction system also verifies the ownership of the cryptocurrency wallet based on an asynchronous method. The user generates verification data without any input from the transaction system, and based on a private key associated with the cryptocurrency wallet, a generator function, and a user-generated value. Without knowing the user-generated value, the transaction system verifies the ownership of the cryptocurrency wallet based on the verification data, and processes the transaction for the user.

A method for an interactive communication session includes receiving a request regarding a commitment associated with a user; initiating an interactive communication session with a user device; generating a prompt for inclusion in the interactive communication session, the prompt including a first question regarding an expected duration of a hardship; providing the prompt in the interactive communication session such that the prompt is provided via the user device; receiving a reply to the prompt from the interactive communication session; analyzing the reply to determine a confidence of the user in satisfying a modified commitment included with the prompt; comparing the confidence to a predefined confidence threshold; iteratively repeating the receiving, analyzing, and comparing processes until a determined confidence of the user meets or exceeds the predefined confidence threshold; and transmitting an updated term for the user based on the iterative process to the user device.

Methods for an electronic token-based payment system includes providing a deferred-payment service by a network-accessible deferred-payment server that performs the steps of processing authorization of digital content purchases for a user account without requiring payment at time of purchase, monitoring a total outstanding purchase balance associated with the user account, and transmitting a settlement request signal to a computer server associated with the financial institution having a credit card account associated with the user for settlement of at least a part of the total outstanding purchase balance when the total outstanding balance exceeds at least one of a predetermined threshold amount and / or accrued over a time that exceeds a predetermined time interval. The transmitted settlement request signal includes information indicative of the total outstanding purchase balance owed, and the electronic token associated with the user of the user account. The electronic token being obtained from a user information database containing electronic tokens associated with corresponding respective user accounts, each token being unique with respect to both a user account of the deferred-payment service for a user, and with respect to a credit card account issued by the financial institution for such user. The token including encrypted information of a characteristic of a user who is associated with the user account, in absence of any information of the user account identification or the credit card account identification, wherein the deferred-payment service has not been provided with, nor has access to, the credit card account identification.