3030results about "Payment circuits" patented technology

Blockchain synchronization and point-of-sale integration systems are provided in a packet-switched computer network. The POS interfaces through the network with a consumer smartphone and a blockchain validation device. The POS shares a session identifier with the blockchain validation device by transmitting a graphic encoding of a payment request and the session identifier to the smartphone. The camera of the smartphone is configured with an image of the graphical encoding. A payment instruction is encoded to conform to the payment request including the session identifier and is transmitted to the blockchain validation device. The blockchain validation device performs a verification of the correctness and authenticity of the payment instruction encoded in the data record. The POS device receives a confirmation that the correctness and authenticity of the payment instruction encoded in the data record to confirm it has been verified.

This invention provides a comprehensive maritime shipbroking platform uniting digital twin modeling, AI-driven cargo allocation, blockchain-based contract management, predictive maintenance (AR / VR), route optimization, real-time tracking, and single-window compliance. The digital twin engine continuously simulates vessel performance, enabling data-driven decisions on stowage, scheduling, and maintenance. A cargo-freight matching module optimally allocates shipments, factoring in market rates, vessel metrics, and port congestion. Blockchain-secured smart contracts automate negotiations, ensuring transparency and tamper-proof enforcement. A predictive maintenance system applies advanced analytics to diagnose technical issues early, while the route optimization engine finds cost-effective, emission-compliant routes. Real-time tracking gives stakeholders constant visibility, and the single-window interface integrates Electronic Bill of Lading processes, satisfying IMO and IG P&I standards. Additionally, a dynamic vessel ranking system incorporates SIRE, RightShip, PSC, and user feedback for safer, more efficient chartering decisions. The invention addresses day-to-day operational challenges in maritime logistics, elevating efficiency and compliance.

A server computer system includes a communications module; at least one processor coupled to the communications module; and a memory coupled to the at least one processor, the memory storing processor-executable instructions which, when executed by the at least one processor, configure the at least one processor to receive, via the communications module, an indication that a cheque clearing process has been initiated for a cheque; obtain an account number and a routing number for the cheque; perform a lookup to identify a payor of the cheque; and send, via the communications module and to a client device associated with the payor of the cheque, a real-time update indicating that the cheque has been submitted for collection.

An artificial intelligence driven system of systems may include a layered architecture for providing transaction support to various types of enterprises. A governance layer implements automated governance and policy enforcement through specialized governance modules utilizing generative AI technology. An enterprise layer supports enterprise functions by integrating management and control platforms with digital infrastructure. An offering layer creates and manages system offerings via content generation, personalization, and smart product modules. A transactions layer enables automated transaction orchestration through API integration, execution, and fulfillment modules. An operations layer manages AI systems through generation, training, verification and orchestration modules. A network layer provides adaptive networking capabilities through routing, protocol selection and communication modules. A data layer processes fused data from multiple sources using machine learning and AI systems. A resource layer manages computing, storage, and other resources through specialized resource modules.

The present invention generally relates to computer systems, methods and program products that allow a digital asset exchange to provide an option to customers to lend all or a portion of the digital assets associated with at least a first blockchain and held by the exchange on behalf of the customer in exchange for payments such as interest.

Presented herein are systems and methods for the employment of machine learning models for image processing as may be performed by computing devices associated with an end user. A method may include obtaining video data comprising a plurality of frames including a document of a document type. The method may include executing an object recognition engine of a machine-learning architecture using image data of the plurality of frames, the object recognition engine trained to detect edges of documents. The method may include identifying, based on the edge detection, a plurality of boundaries for the document. The method may include validating, based on the plurality of boundaries, the document as the document type. The method may include transmitting via one or more networks, to a computer remote from the computing device, responsive to the validation of the type of document, the image data for the plurality of frames depicting the document.

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.

A computer-implemented method is provided for a mobile device to detect, by a camera of the mobile device, a plurality of checks; determine, by a processing unit of the mobile device, that the image of the plurality of checks is of sufficient quality; instruct, by a display of the mobile device, a user to take a photograph of the plurality of checks; crop, by the processing unit, the photograph of the plurality of checks into a plurality of images, wherein each of the plurality of images contains one of the plurality of checks; and transmit, by a transmitter of the mobile device, the plurality of images to a server via a network. The plurality of images may be transmitted individually (i.e., one at time), or alternatively, collectively and in one payload.

Described is a system for applying a machine learning model for tokenizing a real world asset by receiving a digitized asset rights document, generating digital tokens corresponding to the asset's value, and transmitting the digital tokens to an asset holder's digital wallet. The system periodically, during an asset utilization period for an asset utilizer: receives an indication of an asset transaction from the asset utilizer utilizing the real world asset; and apply the asset transaction to a machine learning model. The machine learning model is configured to identify a first portion of the asset transaction transmitted to the asset holder, transfer digital tokens corresponding to the second portion from the digital wallet of the asset holder to the asset utilizer, and transmit a signal to an Internet of Things (IoT) device associated with the real world asset causing access to the real world asset by the asset utilizer.

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.

The invention relates to the technical field of carbon sink dynamic accounting, in particular to a carbon sink dynamic accounting system based on multi-mode AI remote sensing monitoring and block chain evidence storage. The system collects optical remote sensing, radar, photosynthetically active radiation and meteorological data, after unified space-time calibration, multi-modal feature vectors are generated through cross-modal attention mechanism fusion, and the multi-modal feature vectors are input into a TCN model to predict carbon reserves and trends. And a prediction result and metadata are chained through an intelligent contract to generate a carbon sink NFT containing a geographic fence and confidence, so that credible evidence storage is realized. And a residual mapping function is established in combination with historical data on the chain, the model is dynamically optimized, and the accounting precision is improved. The system improves the fusion capability and prediction accuracy, and enhances the credibility and transparency of carbon asset management and transaction.

Disclosed herein are system, apparatus, device, method and / or computer program product embodiments for providing a mid-stream deposit availability schedule to a customer electronically depositing a check. The deposit availability schedule is generated by activating a mobile financial application, receiving a customer request to deposit a financial instrument, and based on the customer request, activating a camera on the client mobile device to access a field of view of at least one camera and capture one or more images of a financial instrument, store, in a computer memory on the client mobile device, the one or more images. An optical character recognition program, resident on the client mobile device, extracts in real-time, one or more data fields from one or more portions of the financial instrument, communicates the one or more data fields to a remote deposit server and receives a deposit availability schedule, before acceptance of the remote deposit.

Methods and systems for remote check deposit are disclosed. A check for deposit is processed without the need for a server to receive any image of the check initially. Instead, optical character recognition (OCR) data is received at the server from a mobile device. Verification processing for the check is then performed using the OCR data. If the verification process is successful, a confirmation notification is sent to the mobile device. Subsequently, after sending the confirmation notification, a check image is received, from which the OCR data was determined. The check is, in turn, processed for deposit using the received check image.

Systems and methods for staking instrument cryptocurrency rewards and validator management are disclosed. The systems and methods include generating validator pods associated with cryptocurrency staking validation and generating validator keys configured to be utilized by the validator pods for validating proof of stake operations. A subsets of the validator keys may be assigned to the validator pods and a request to perform the proof of stake operations may be received. A validator pod may be provisioned for validating proof of stake operations, and the validator node may be utilized to validate proof of stake operations based on the selected validator node being a compliant validator node.

What is disclosed is a method for trust-minimized value-exchange between a source and a destination token. An off-chain trusted API (OCTAPI) is connected to a first and a second interchain router (ICR); and a first and a second smart contract (SC). The first and second SCs are associated with source and destination chains, and comprise a first and a second vault, respectively. The first ICR is associated with the first SC and connected to a source decentralized exchange (DEX). The second ICR is associated with the second SC and connected to a destination DEX. When a transaction order is received, the OCTAPI initiates a debit swap via the first ICR and source DEX. When the OCTAPI determines the debit swap is being validated, the OCTAPI initiates a credit swap via the second ICR and destination DEX. At least some part of the debit swap and credit swap occur in parallel.

A computer may generate a temporary digital wallet containing one or more anonymous payment tokens and transmit the temporary digital wallet to a user device of a user. When the user provides an anonymous payment token of the one or more anonymous payment tokens to a point of sale (POS) system, the computer may receive from the POS system or other systems connected thereto, a request to authorize payment for the anonymous payment token. The request to authorize payment may also include an amount to be paid by the user to the POS system. Using the anonymous payment token, the computer may retrieve a user account and determine that the user account has sufficient funds for the transaction. Based upon the determination that the user account has sufficient funds, the computer may transmit an authorization confirmation back to the POS system or any other system that the authorization request originated from.

Self-service lottery ticket selling systems and methods of operating such systems that enable the purchase of draw lottery tickets by players without the assistance of a retail clerk, lottery terminal operator, or other person operating the lottery terminal.

To support offering a voucher to a target user appropriately.SOLUTION: An information processing system includes: an acquisition unit which acquires identification information of users for an electronic settlement service and application requests for purchasing electronic vouchers; a drawing unit which holds a lottery based on the requests and the number of electronic vouchers that the users applied for, to extract a user who can purchase the electronic voucher from among the multiple users who applied for purchasing the electronic vouchers; and a processing unit which displays content to accept purchasing the electronic voucher via electronic payment, on a display unit of a terminal device of the user who won the lottery.SELECTED DRAWING: Figure 1

Systems and methods to enable green mining for centralized and / or decentralized financial systems are discussed. In some cases, the green mining methodologies are incorporated in distributed quantum ledger-based decentralized finance ecosystems, in decentralized financial systems and / or centralized financial systems. A proof of influence algorithm enables miners to accumulate and use reputation points to reduce computational power requirements on their systems and / or reduce energy consumptionInfluence points is an indicator of trustworthiness of the miner established based utilizing a predictive algorithm that analyzes the past mining behavior. Higher reputational scores result in lesser computationally intensive activities, which reduce energy consumption. The proof of influence algorithm rewards miners to encourage participation as validators of new blocks and / or other activities on the decentralized or centralized ledger-based systems.

A computer-implemented method of secure quantum safe (QS) payments using a quantum cloud payment platform, the method, performed by the quantum cloud payment platform, comprising: receiving one or more quantum safe deposit payment transactions from one or more endpoint devices of one or more registered users, each QS deposit payment transaction of a user comprising data representative of a deposit fiat cash value; transferring each of the deposit fiat cash values from a bank account associated with a user and linked to the QS payment account of the user to a quantum cloud account for pooling each of the deposit fiat cash values; for each deposit fiat cash value transferred in relation to a user of an endpoint device, performing: converting said each deposit fiat cash value to a corresponding number of quantum money tokens; linking said number of quantum money tokens to the QS payment account of the user; and sending said number of quantum money tokens to the endpoint device of the user for updating an electronic wallet of said user.

Methods and systems for remote check deposit are disclosed. A check for deposit is processed without the need for a server to receive any image of the check initially. Instead, optical character recognition (OCR) data is received at the server from a mobile device. Verification processing for the check is then performed using the OCR data. If the verification process is successful, a confirmation notification is sent to the mobile device. Subsequently, after sending the confirmation notification, a check image is received, from which the OCR data was determined. The check is, in turn, processed for deposit using the received check image.

Methods and systems for remote check deposit are disclosed. A check for deposit is processed without the need for a server to receive any image of the check initially. Instead, optical character recognition (OCR) data is received at the server from a mobile device. Verification processing for the check is then performed using the OCR data. If the verification process is successful, a confirmation notification is sent to the mobile device. Subsequently, after sending the confirmation notification, a check image is received, from which the OCR data was determined. The check is, in turn, processed for deposit using the received check image.

The invention discloses a cross-border e-commerce block chain payment credit chain system and a method thereof, and realizes data sharing, information real-time synchronization and credit information dynamic transmission of each participant in a transaction by constructing an alliance block chain network. The system comprises a credit management module, a risk control module, an intelligent contract payment module, a digital currency exchange module and a security collaboration module, and multi-dimensional credit assessment, dynamic risk prediction and automatic payment are realized by using cross-domain technologies such as federated learning, trusted execution environment and homomorphic encryption. Through fund freezing, real-time digital currency exchange, payment triggered by performance conditions and other mechanisms, the cross-border payment clearing period is remarkably shortened, the transaction cost is reduced, the payment safety and supervision transparency can be improved, and the problems that traditional cross-border payment is low in efficiency, high in cost, difficult in risk control and the like are effectively solved.

The present invention generally relates to the use of stable value digital assets and / or fiat-backed digital assets as cryptocurrencies that can be linked to other digital assets using blockchain technology and / or through a peer-to-peer network. In embodiments, the present invention relates to specific applications of fiat-backed digital assets and / or stable value digital asset tokens tied to a peer-to-peer network, such as a blockchain network.

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.

Blockchain synchronization and point-of-sale integration systems are provided in a packet-switched computer network. The POS interfaces through the network with a consumer smartphone and a blockchain validation device. The POS shares a session identifier with the blockchain validation device by transmitting a graphic encoding of a payment request and the session identifier to the smartphone. The camera of the smartphone is configured with an image of the graphical encoding. A payment instruction is encoded to conform to the payment request including the session identifier and is transmitted to the blockchain validation device. The blockchain validation device performs a verification of the correctness and authenticity of the payment instruction encoded in the data record. The POS device receives a confirmation that the correctness and authenticity of the payment instruction encoded in the data record to confirm it has been verified.

The invention discloses a data transaction privacy protection method based on a block chain, belongs to the technical field of data sharing, and aims to solve the technical problem of how to ensure data privacy and ensure traceability and transparency of data transaction in Internet of Things data transaction. Comprising the steps that a data buyer performs data validity verification based on a zero-knowledge proof submitted to a block chain by a data seller, after verification is passed, the data seller generates a re-encryption key based on a private key of the data seller and a public key of the data buyer and uploads the re-encryption key to a proxy node, the proxy node re-encrypts a related ciphertext based on the re-encryption key, and the data seller sends the re-encrypted ciphertext to the data seller; the obtained re-encrypted ciphertext is uploaded to the IPFS, a content identifier returned by the IPFS is written into the block chain, and the block chain writes the content identifier corresponding to the re-encrypted ciphertext into the smart contract; and after the data buyer pays, the re-encrypted ciphertext is obtained from the IPFS based on the content identifier returned by the block chain, and the re-encrypted ciphertext is decrypted based on the private key.

Techniques are described, as implemented by computing devices, to control access to digital content through use of nonfungible tokens (NFTs). This is performed by leveraging a blockchain such that digital content associated with an item is made available to supplement use of the item (e.g., to supplement use of a physical item, digital content, and so forth) or make other functionality available based on a user's possession of the item.

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.

A method and apparatus for authenticating a physical asset is provided. The method includes obtaining information from a tag associated with the physical asset, wherein the information includes a uniform resource locater (URL) and encrypted information, wherein the encrypted information corresponds to a cryptographic token on a distributed ledger and information about the physical asset. The method further includes transmitting a first message towards an authentication server based on the URL, wherein the first message comprises the encrypted information. The method further includes receiving a second message from the authentication server, the second message comprising an indication of authenticity of the physical asset.