453results about "Credit schemes" patented technology

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.

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.

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.

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.

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.

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.

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.

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.

Embodiments include a method of performing math based currency (“MBC”) exchanges. One method includes receiving an exchange request from a merchant point-of-sale (POS) system and determining a merchant POS system accepts MBC payments. The method further includes exchanging, on a published blockchain, an amount of MBC equal to an amount to an MBC account of the merchant POS system and updating a pooled account database. The method further includes updating an overlay ledger to modify an MBC balance of the MBC credit card account held by the customer and broadcasting the exchange to a plurality of MBC verification nodes for verification.

In a method of preventing fraudulent online financial transactions, a request to authorize an online, financial transaction may be received, where the transaction is associated with a debit or credit card account. A computing device at which information associated with the debit or credit card account was entered for the transaction may be identified, and a first geographic location at which the computing device resides may be determined. Based upon geolocation data indicating one or more geographic locations of the authorized cardholder, it may be determined that the authorized cardholder was at a second geographic location at a time of the transaction. If the second geographic location does not correspond to the first geographic location, the financial transaction may be prevented from being executed.

A method of matching transactions to a loan includes receiving a transaction notification associated with customer use of a payment instrument having a persistent PAN for a transaction with a merchant, facilitating payment of the merchant on behalf of the customer in response to the transaction notification, executing a loan matching algorithm with respect to the transaction notification to determine whether to associate the transaction with an existing loan, responsive to the loan matching algorithm determining that the transaction is one of a plurality of transactions of a common purchase event associated with the existing loan, considering the existing loan as a matched loan, modifying the matched loan to include the transaction, responsive to not determining that the transaction is one among the plurality of transactions of the common purchase event, issuing a new loan for the customer based on the transaction, and facilitating servicing the new or modified loan.

A distributed payment system may include a first bank at which a user deposit account of a customer is established where the user deposit account is associated with a vehicle of the customer to fund transactions initiated via the payment vehicle, a second bank at which a facilitator account of a card issuer of the payment vehicle is established, and a facilitation agent in communication with a first bank agent of the first bank and a second bank agent of the second bank to issue messages or system triggers associated with money transfers within the distributed payment system. The facilitation agent establishes a facilitator clearing account to hold unreconciled funds of customers having payment vehicles and deposit accounts at the first bank, and establishes a facilitator servicing account to hold reconciled funds of the customers having payment vehicle and deposit accounts at the first bank. The facilitation agent facilitates real time transfer of money into and out of the user deposit account with respect to the facilitator clearing account responsive to the customer initiating a transaction, facilitates a net transfer of money between the facilitator clearing account and the facilitator servicing account based on summing all transactions in a given period, and facilitates a transfer of funds between the facilitator servicing account and the facilitator account of the second bank based on the summing of all transactions in the given period.

Methods and systems for leveraging open banking to include installment payment offerings include receiving a request message for an installment loan offer. The request message is associated with a transaction being performed by a consumer. The request message includes account access credentials associated with an open banking installment offer service account and transaction details associated with the transaction. The account access credentials are validated and the open banking installment offer service account is accessed. One or more installment loan offers are retrieved based on consumer preferences associated with the open banking installment offer service account. The installment loan offers are transmitted to the computer associated with the merchant. A consent message including consumer consent information indicating consent to share open banking data with one or more installment program providers (IPPs) is received. The open banking data is associated with the consumer.

Disclosed are various embodiments for generating user points for payment actions applied to an owed balance from eligible payment accounts or source accounts associated with an entity. In some examples, a system comprises a client device that is configured to receive payment action data from a client device associated with a user identifier. A payment action is identified for an owed balance assigned to the user identifier. The payment action comprises a first identifier for a source account and a second identifier for the owed balance. A common attribute is identified between the first identifier and the second identifier. A payment amount for the payment action is determined to have been held for a threshold time period. The payment amount for the payment action is determined to have been cleared. A user point amount for the user identifier is generated.

Embodiments include a method of performing math based currency (“MBC”) exchanges. One method includes receiving an exchange request, from a customer computer system, a remote exchange request for an amount. The method further includes exchanging, on a published blockchain, an amount of MBC equal to the amount to an MBC account of the online merchant and updating a pooled account database. The method further includes updating an overlay ledger to modify an MBC balance of the MBC account held by the customer and broadcasting the remote exchange to a plurality of MBC verification nodes for verification.

A portable charger has a pre-assigned battery ID. The portable charger includes a wireless power receiving device corresponding to a wireless power transfer device, and a communication device being communicable with a mobile communication terminal. The mobile communication terminal stores the battery ID and a user ID in association with each other. The service server stores the battery ID, the user ID, and a validity of a service user's right to receive a chatting service, in association with each other. The service server is configured to acquire the battery ID and the user ID from the mobile communication terminal and execute an authentication process of determining the validity of the service user's right to receive the charging service for the portable charger that is, identified by the acquired battery ID based on the acquired user ID.

Systems and methods that employ a ticket voucher to access funds maintained in a gaming establishment account based on multiple cashout inputs received and bypassing an automatic transfer of an amount of funds to the gaming establishment account.

A method is provided for processing micropayments. Micropayments are financial transactions involving relatively small financial amounts that can be difficult for conventional transaction processing systems to handle in a cost-effective and expeditious manner. The improved method uses a virtual micropayment account managed by a transaction processor. The limit of the virtual micropayment account may be adjusted with credit reduction requests and credit reset notices that are sent from the transaction processor to the issuer bank. The issuer bank may use the credit reduction requests and credit reset notices to adjust a temporary credit limit of the credit account from which the micropayments are to be made.

Methods and user interfaces for managing information on computer systems, including, in some embodiments, for managing display of user interface elements based on movement of the computer system, for requesting account information if an account is available, for provisioning an account onto a computer system if provisioning criteria are met, for associating a transfer amount with an account for use with selected transaction types, for displaying user interface elements corresponding to transaction types, for displaying user interface elements based on a quantity of transfer obligations, for entering a numeric digits of a numeric sequence based on a quantity of gestures, and / or for locking a computer system while entering a number sequence.

A system for recommending Buy Now, Pay Later (BNPL) offers receives a request for the recommended BNPL loan offers. The request is associated with a transaction. The system retrieves a BNPL loan offer similarity matrix and a transaction similarity matrix from a database. The system also retrieves consumer historical transaction records associated with the consumer from the database. Using the transaction data, the BNPL loan offer similarity matrix, and the transaction similarity matrix, the system performs both a content-based recommendation calculation and an experience-based recommendation calculation. The system then produces the recommended BNPL loan offers based on the results of the two calculations and transmits the recommended BNPL loan offers to a merchant for completing the transaction.

Various methods and processes, apparatuses or systems, and media for transaction level pricing and balance management are disclosed. A processor receives a plurality of transactions associated with a card; enriches the plurality of transactions by consuming external transaction data associated with each transaction, populating preconfigured internal attributes data, and outputting enriched transactions; publishes the enriched transactions for executing a transaction level pricing and balance management algorithm; consumes the enriched transactions; identifies type of each transaction from the consumed enriched transactions by applying predefined rules; and executes, for each type of transaction, the transaction level pricing and balance management algorithm to perform the following operations at transaction level at the time of transaction posting instead of balance level calculations at cycle time: fee calculations, interest charge calculations, payment allocations, payment reversal processing, balance management at transaction level, service customers with intra cycle financial estimates, remove account processing at accumulated balance level.

A system and method for making credit card to credit card payments. The system may include a processor, a network, a general ledger, a staging element with reconcilement capabilities, an institution account, and a clearing house account. The system may complete a credit card to credit card transaction by utilizing the credit available in a credit card account to reimburse funds utilized through the institution account. The clearing house ensures the transaction is satisfied by both the institution account and the credit card account. The operations may include providing an interface; using generative artificial intelligence to generate a prompt specific to an account associated with the interface; and displaying the prompt to a user of the account.

Exemplary systems, methods, and computer-accessible mediums can include, for example, receiving a first location of a user(s) and time information associated with that location, initiating a record for the user(s) based on the location and the time information, receiving a second location of the user(s), where the second location can be in a second bounded area, storing in record, a transaction(s) associated with the user(s) based on the second location, and automatically initiating a single payment for the transaction(s) when the user(s) leaves the first location.