1218results about "Payment circuits" patented technology

In embodiments, systems and methods for configuring and deploying artificial intelligence driven transacting agents that are permitted to autonomously execute transactions on behalf of the individual or organization and configuring the transacting agent based on the agent configuration instructions and a set of predefined system prompts. The method further includes granting the transacting agent access to a digital wallet associated with the individual or organization and deploying the transacting agent to a public network, such that the transacting agent executes transactions on behalf of the individual or organization via one or more digital marketplaces using the digital wallet to which the transacting agent was granted access. In some embodiments, the transacting agent is granted access to the digital wallet using a consent token. In some embodiments, the method also includes hyper-personalizing and / or fine-tuning the agent.

The present invention relates to the technical field of dynamic carbon sink accounting, and specifically relates to a dynamic carbon sink accounting system based on multi-modal AI remote sensing monitoring and blockchain-based evidence storage. The system collects optical remote sensing, radar, photosynthetically active radiation and meteorological data, performs unified spatiotemporal calibration on the data, and then fuses the calibrated data by means of a cross-modal attention mechanism, so as to generate multi-modal feature vectors, and inputs same into a TCN model for carbon stock and trend prediction. A prediction result and metadata are uploaded to a blockchain by means of smart contracts, so as to generate a carbon sink NFT including a geographic fence and a confidence level, thereby realizing trusted evidence storage. A residual mapping function is established in view of on-chain historical data, so as to dynamically optimize the model, and improve the accounting accuracy. The system improves the fusion capability and prediction accuracy, and enhances the credibility and transparency of carbon asset management and transactions.

Embodiments are directed toward a blockchain system including a global state and an assemblage of blocks, each block representing a collection of state transformation records, each state transformation record describing a state transformation performed on the global state, where preceding blocks referenced by any given block contain state transformation records describing state transformations performed on the global state prior to the evaluation of the given block, and where at least one state transformation record is a zero-knowledge transformation record encoding a zero-knowledge state transformation description, which zero-knowledge transformation record comprises at least the following elements: paths identifying the locations of the elements of a discrete data subset, a revised data subset, and a transition proof implemented as a non-interactive zero-knowledge proof, which transition proof proves that the transition from the discrete data subset to the revised data subset follows the established rules of the blockchain system.

Aspects of the present disclosure describe a system comprising a processor and memory storing instructions, which when executed by the processor, enable the system to detect a payment-related event using vehicle sensors, such as a camera or GPS unit. The detection can involve a machine learning model trained to recognize objects associated with the payment-related event while minimizing false positives. Upon detecting the event, the system can handle the electronic payment by utilizing an in-vehicle digital wallet to execute the payment and recording the transaction on a blockchain-based ledger.

Embodiments provide artificial intelligence methods and systems for evaluating vulnerability risks of issuer authorization system. Method performed by a server system includes accessing a set of payment transaction data including subset of fraudulent transaction data. Method includes generating via a machine learning model, set of synthetic transaction data based on the subset of fraudulent transaction data. Method includes accessing set of historical card velocity features and collating the set of synthetic transaction data and the set of historical card velocity features to generate set of enriched synthetic transaction data. Method includes extracting via a classifier, subset of feasible fraudulent transaction data from the set of enriched synthetic transaction data. Method includes generating simulated authorization model based on the set of payment transaction data. Method includes classifying via simulated authorization model, each enriched synthetic transaction from the subset of feasible fraudulent transaction data as one of fraudulent transaction and non-fraudulent transaction.

The embodiment of the invention discloses a payment system, which is characterized in that a non-accepting device receives commodity information of a to-be-settled commodity and a first collection amount sent by a merchant collection device on one hand, acquires a payment identifier of a payment user on the basis of non-contact communication with a user terminal on the other hand, and sends the payment information to the payment user on the basis of the payment identifier and the first collection amount; and settlement information associated with the commodity information of the to-be-settled commodity is generated and sent to a settlement system, and the settlement system determines a second collection amount according to a marketing rule corresponding to the commodity information and the first collection amount, and performs settlement payment according to the second collection amount and the payment identifier. Through the payment system, only the marketing rules need to be pre-configured in the settlement system, and the payment staff and the payment user do not need to carry out any additional operation, so that settlement payment can be carried out for the payment user by using the pre-configured marketing rules in the payment process of the payment user; the convenience of commercial tenants and users participating in marketing activities in an offline retail scene is effectively improved.

Aspects of the embodiments described herein are related to systems, methods, and computer products for performing automatic check fraud detection. Aspects of embodiments described herein provide artificial intelligence systems and methods that analyze an image of an incoming check, compare the features of the image to the associated features on a reference check, and generate a check fraud score based on the comparison, and either approve the incoming check or flag the incoming check for manual review.

The invention provides a red envelope grabbing method, system and device in a high-concurrency scene and a storage medium, and the method comprises the steps: receiving a red envelope creation request, synchronously deducting the account fund of a sender, pre-distributing the amount by using a double mean value algorithm, generating an amount list, and storing the list, an inventory counter and a user deduplication set into Redis. And when a grabbing request is received, executing Redis Lua script atomization operation: verifying user de-duplication, checking red envelope inventory, deducting the inventory after the red envelope inventory passes, popping up money from a list, and recording grabbing information. If the script is executed successfully, judging that grabbing succeeds, generating a success message to a message queue, and asynchronously updating the balance of the receiver and recording a flow by the consumer. And a grading reconciliation mechanism is adopted to ensure that the robbing record is consistent with the fund flow. And after the red envelope is sent for a preset time, scanning the unscrambled amount and returning the unscrambled amount to the sender account. According to the invention, a high-performance, high-reliability, safe and flexible red envelope grabbing system can be constructed.

A secure method for exchanging entities via a blockchain is presented. The method comprises receiving, from a user over a communications network, an invitation to perform an exchange of entities; generating a redeem script comprising metadata; hashing the redeem script to generate a redeem script hash; sending the first script and the first script hash on a distributed hash table (DHT); and generating an invitation transaction comprising an output associated with an encrypted digital asset, and a hash of a script comprising an indication of entities to be exchanged, conditions for the exchange, and a public cryptographic key associated with the user.

This disclosure provides techniques to utilize decentralized identifiers (DIDs) and verifiable credentials for secure, privacy-preserving transactions. In one aspect, a method is provided that includes: receiving user information; determining a DID based on the information; providing the DID to a user device; verifying the user's identity by validating the DID and associated verifiable credentials; and performing a transaction based on the verified DID. Other aspects are provided, such as generating a public-private key pair for the user, associating the DID with the public key, and / or creating a DID document stored on a distributed ledger accessible to authorized entities. Further aspects include processing transactions through smart contracts on a blockchain network, which may involve converting central bank digital currency to fiat currency while maintaining user privacy, applying transaction limits based on verified identity attributes, and providing zero-knowledge proofs to auditors to verify compliance without accessing underlying transaction details.

The present invention relates to a method for facilitating electronic transactions between transmitting bank entity and a receiving bank entity made by a user. The method involves receiving payment details from a user through a user interface and initiating a transaction request using these payment details by the transmitting bank entity. The transaction request is then transmitted to a receiving bank entity, which processes the request to determine transaction approval based on the provided payment details. The receiving bank entity subsequently sends a transaction response to the transmitting bank entity, indicating approval or denial of the transaction request, back to the transaction processing system. Finally, the user is notified of the transaction response via the user interface. Disclosed embodiments optimize and streamline the electronic transaction process, ensuring efficient and secure handling of payment details and transaction requests between bank entities.

The invention provides a data transaction method and device, equipment, a medium and a program product, relates to the technical field of block chains, and aims to solve the problem of relatively poor efficiency of data transaction in related technologies. The method comprises the following steps: based on data demand information, creating a demand task pool by using an intelligent contract, and broadcasting the data demand information to each node in a block chain system; receiving at least one data abstract and guarantee fund submitted by the at least one data owner node through the smart contract, and writing the at least one data abstract into a demand task pool; under the condition that the first data demander node determines m first data owner nodes, price negotiation is carried out based on m price parameters submitted by the m first data owner nodes and the smart contract, and a transaction result is determined; and under the condition that the first data demander node pays the resource corresponding to the transaction price, distributing the first target data to the first data demander node. According to the invention, the data transaction efficiency can be improved.

Disclosed are systems and methods for generating encoded instruments that implement electronic transfers. The system converts instruments to an electronic format using an imaging source or optical code detection device. The image data is processed to decode encoded components of the image data and to determine content elements and segments of the electronic transfer instrument and to extract transfer data. The transfer data is validated to facilitate secure, accurate execution of the electronic transfer.

Method for managing payment transactions associated with a task completion includes receiving a service assignment and a digital coin value associated with the service assignment over a network from a first computing device associated with a first user, and sending the service assignment over the network for display on a second computing device associated with a second user. The method also includes receiving notification from the second user that the assigned service has been completed, and transferring digital coins equal to the digital coin value of the service assignment from a first digital wallet associated with the first user to a second digital wallet associated with the second user. The method further includes recording the transfer of the one or more digital coins in the digital coin ledger, and applying the one or more digital coins in the second digital wallet to acquire a purchase item.

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.

Embodiments provide a social networking platform offering various services, such as, facilitating aggregation and management of a user's interaction on one or more social networking platforms, offering enhanced control over the level of privacy associated with the flow of user data, offering tools to customize the user's exposure to advertisement-related content on the social networking platform(s), integrating features to control aspects of how data / content is presented to and visualized by the user, empowering the user to multicast direct messages to other users without the other users having to meet certain constraints, empowering the user to create and / or join a group based on messaging threads, and the like. One or more of these enhanced services / features are associated with a powerful framework of authentication / permission model for access control.

The Computationally Efficient Transfer Processing, Auditing, and Search Apparatuses, Methods and Systems (“SOCOACT”) transforms smart contract request, crypto currency deposit request, crypto collateral deposit request, crypto currency transfer request, crypto collateral transfer request inputs via SOCOACT components into transaction confirmation outputs. Also, SOCOACT transforms transaction record inputs via SOCOACT components into matrix and list tuple outputs for computationally efficient auditing. A blockchain transaction data auditing apparatus comprises a blockchain recordation component, a matrix Conversion component, and a bloom filter component. The blockchain recordation component receives a plurality of transaction records for each of a plurality of transactions, each transaction record comprising a source address, a destination address, a transaction amount and a timestamp of a transaction; the source address comprising a source wallet address corresponding to a source digital wallet, and the destination address comprising a destination wallet address corresponding to a destination virtual currency wallet; verifies that the transaction amount is available in the source virtual currency wallet; and when the transaction amount is available, cryptographically records the transaction in a blockchain comprising a plurality of hashes of transaction records. The Bloom Filter component receives the source address and the destination address, hashes the source address using a Bloom Filter to generate a source wallet address, and hashes the destination address using the Bloom Filter to generate a destination wallet address. The Matrix Conversion component adds the source wallet address as a first row and a column entry to a stored distance matrix representing the plurality of transactions, adds the destination wallet address as a second row and column entry to the stored distance matrix representing the plurality of transactions, adds the transaction amount and the timestamp as an entry to the row corresponding to the source wallet address and the column corresponding to the destination wallet address; and generate a list representation of the matrix, where each entry in the list comprises a tuple having the source wallet address, the destination wallet address, the transaction amount and the timestamp.

Computer-implemented methods for locking a blockchain transaction based on undetermined data are described. The invention is implemented using a blockchain network. This may, for example, be the Bitcoin blockchain. A locking node may include a locking script in a blockchain transaction to lock a digital asset. The locking script includes a public key for a determined data source and instructions to cause a validating node executing the locking script to verify the source of data provided in an unlocking script by: a) generating a modified public key based on the public key for the determined data source and based on data defined in the unlocking script; and b) evaluating a cryptographic signature in the unlocking script based on the modified public key. The blockchain transaction containing the locking script is sent by the locking node to the blockchain network. The lock may be removed using a cryptographic signature generated from a private key modified based on the data.

The described technology relates to a deep learning based method and system for detecting abnormal cryptocurrency transaction between computing devices in a blockchain network. In once aspect, the method includes generating, at a server, a first data set, a second data set, and a third data set from the transactions of a user wallet address with at least one other user wallet address. The method may also include running a pre-learned deep learning module to extract a first feature vector, a second feature vector, and a third feature vector from the first data set, the second data set, and the third data set. The method may further include converting the first feature vector, the second feature vector, and the third feature vector into an intermediate value and comparing the intermediate value to a predetermined reference value to determine if a fraudulent transaction associated with the user wallet address has occurred.

A vehicle control system equipped to a vehicle includes at least one of (i) a circuit and (ii) a processor with a memory storing computer program code executable by the processor. The at least one of the circuit and the processor configured to cause the vehicle control system to: communicate with a server via a network, the server storing information about a fee-based function that can be executed by an occupant of the vehicle; authenticate whether the fee-based function can be executed by performing a communication with the server; search for an alternative function having same purpose of use as the fee-based function; and execute the alternative function in response to determining that the fee-based function cannot be executed.

A blockchain-based electronic wallet driving method of an electronic wallet system, of the present invention, comprises steps in which: a sender device transmits a coin from an encrypted coin account of a sender to a token manager of a management device through an Internet network; the management device performs a mining process, and then the token manager transmits a parent token to the sender device through the Internet network; the sender device generates at least one child token having parent token rights and having a value smaller than the value of the parent token; any one child token is transmitted from the sender device to a recipient device through a short-range wireless communication network; the recipient device transmits the child token to the token manager through the Internet network, and the token manager finds the parent token for the child token so as to delete the parent token from a blockchain and reallocate the rights to the child token; and the token manager mines for the child token, and then transmits the coin to an encrypted coin account of a recipient.

The invention relates to the field of block chain technology, financial science and technology and cross-border electronic trade, in particular to an intelligent contract automatic clearing system and method based on block chain technology, and the system comprises a data collection and preprocessing module, an identity credit module, an intelligent clearing contract module and a clearing fund supervision module. The intelligent settlement contract module realizes intelligent optimization of settlement paths, stable mapping of asset values and real-time monitoring of system risks through a multi-currency settlement path calculation unit of topological optimization, an asset anchoring unit based on a coherence group theory and a settlement risk management and control unit based on persistent topological characteristics. The method comprises the following steps: modeling a global payment network into a weighted directed graph, and carrying out classification optimization on payment paths by adopting homotopy classification; constructing a multi-dimensional asset space and a persistent coherence analysis framework, and dynamically optimizing an anchoring strategy; according to the method, the clearing period is greatly shortened, and the dispute solving efficiency is remarkably improved.

Systems and techniques may be used to perform multi-capture for remote deposit via scanner. For example, a technique may include scanning a first side and a second side of a plurality of checks, and comparing geometrical features of the first side of each check of the plurality of checks to geometrical features of the second side of each check of the plurality of checks. Based on the comparison, the technique may include selecting an image from a first set of respective individual images that corresponds to an image from a second set of respective individual images to form a pair of images, the pair of images representing a single check of the plurality of checks, and outputting the pair of images.

Provided is a computer implemented method of authorizing transactions in a blockchain network of participant systems including a first system that sends transaction data to a second system that generates a notary request including the transaction data, at least one notary system and at least one witness system. The method includes the notary system: accepting the notary request from the second system; transmitting the transaction data to the witness systems; determining a subset of responsive witness systems; determining that a required number of affirmative responses has been received from the responsive witness systems; generating a block based on the transaction data; and publishing the block to a ledger of the blockchain network.

Systems and methods for transferring resources using dynamic grid curves are disclosed. A system receives a transfer request specifying an input resource type, a target resource type, an amount of input resources, and an identifier of a storage application associated with the user. The system determines a plurality of current transfer rates, each corresponding to a respective blockchain. The system may query each blockchain to determine an on-chain computation overhead for processing the transfer. Utilizing a maximal current transfer rate and the determined computation overhead, the system generates a grid curve representing the amount of target resources available for transfer as a function of time. The system transmits commands to the user device to display the grid curve and requests user validation for the transfer. Upon receiving user validation, the system transmits the grid curve and transfer request data to a plurality of approved operator devices for execution.

A secure payment transaction device, includes one or more monetary value tokens of a monetary value token system; a monetary value token management unit adapted to directly exchange monetary value tokens in transactions of the monetary value token system; an updating unit for updating data of the secure payment transaction device. An online authentication information of an online digital money system can be added to the secure payment transaction device via the updating unit thereby enabling use of the secure payment transaction device in the online digital money system.

The present disclosure relates to a method, an apparatus, and a recording medium for providing a platform including a trade service of an NFT representing a ticket. The method according to an embodiment of the present disclosure may be performed by at least one processor and include operations of: acquiring a request for generating a first account for an NFT-related service from a terminal of a user, the request for generating the first account indicating another service distinguished from the NFT-related service; acquiring information about a second account corresponding to an account of the user in the another service; generating the first account of the user for the NFT-related service based on the information about the second account; and generating a first digital asset wallet of the user and associating information about the first digital asset wallet with the first account of the user.

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.