615results about "Payment schemes/models" patented technology

A computing system is disclosed for generating fulfillment-ready coordination sessions based on tokenized item data and user-submitted participation parameters. The system ingests structured, semi-structured, or unstructured item data from merchant sources and applies schema-aligned transformation logic to normalize the data into structured item representations. The normalized records are tokenized into machine-readable item tokens that encode fulfillment constraints and canonical attributes. The system receives user item selections and associated participation parameters, encodes the item tokens and participation data into structured vector embeddings, and applies compatibility scoring logic using vector comparison and rule-based threshold evaluation. Compatibility scores are evaluated against session eligibility constraints derived from the item tokens. When eligibility conditions are met, the system generates a coordination session payload comprising match outcomes, proportional pricing, and fulfillment metadata, and issues orchestration instructions to external fulfillment systems for group-based delivery or preparation execution.

The invention relates to the technical field of computer data processing, and discloses a cross-border e-commerce compliance tax refund method and an intelligent declaration system based on block chain evidence storage, and the method comprises the steps: constructing a reference library containing commodity physical attributes and fair density intervals; order transaction, logistics actual measurement and fund time sequence data are acquired; executing multi-dimensional cross validation based on the reference library, wherein the multi-dimensional cross validation comprises physical space logic verification based on geometric boxing simulation, attribute consistency verification based on density distribution matching and quality and time sequence joint verification; a risk level is determined by integrating results; and generating digital fingerprints for compliance data, writing the digital fingerprints into a distributed account book, and generating a declaration file by using an on-chain index. According to the invention, trade authenticity is verified through physical simulation and multi-dimensional logic, evidence is ensured not to be tampered in combination with a block chain technology, and compliance and auditing efficiency of tax refund declaration are effectively improved.

The present invention relates to a privacy-preserving EV charging authorization and billing system, and a method for the same. The proposed system is configured to integrate permissioned blockchain with fully homomorphic encryption. The present invention aims to eliminate plaintext exposure mitigates single point of failure, by performing all authorization and billing computations on encrypted data and recoding transactions immutably, wherein an EV user securely generates encrypted authorization and billing requests using FHE-based public keys. The charging station routes these encrypted requests to the blockchain network, which records immutable encrypted transactions and verifies them via consensus. The FHE computation layer performs secure operations on the encrypted data for authorization and billing, while smart contracts execute automated verification and billing computations, ensuring transparency and auditability.

The invention discloses a cross-institution bill clearing and settlement system and method based on a block chain, and relates to the technical field of block chains, and the system comprises a transaction blueprint locking module which is used for generating and solidifying a transaction blueprint of a single settlement transaction, building a double-side hinge locking state of a bill side and a fund side, and locking the transaction blueprint of the single settlement transaction; the two sides are kept in a revocable locking state before settlement is established, so that irreversible semi-settlement occupation is avoided; and the witness grid module is used for gradually collecting completion evidences of a local domain for causal steps defined by a transaction blueprint and superposing side evidences of an outer domain to generate receipt capsules and step completion evidences carrying a dependency relationship. The invention provides a self-healing type clearing and settlement mechanism taking the assembled causal receipt capsules as a core. Through double-side hinge revocable locking, causal proof set closure unlocking and fountain erasure fragmentation receipt propagation, non-half-settlement atomic settlement and verifiable rollback of cross-mechanism bills and funds are realized.

To more flexibly achieve electronic settlement.SOLUTION: Causing a display unit of the terminal to display an online code image generated using a one time code acquired from a settlement server through communication when a state of the settlement server is a first state in which the state of the settlement server is normal, and causing the display unit of the terminal to generate an offline code image using an offline key acquired from the settlement server at a lower frequency than the one time code when the state of the settlement server is a second state in which the state of the settlement server is not normal; A process of displaying the offline code image on a display unit of the terminal.SELECTED DRAWING: Figure 1

Techniques described herein are directed to intelligently identifying buyers for resale items based on digital records. A computing system of a payment processing service can analyze digital records of a plurality of user associated with the service. A target buyer of an item can be identified. The computing system can cause an actuation mechanism to present on a user interface of the target buyer. The computing system can identify one or more users that have previously purchased an instance of the item and cause a notification that identifies the item as a candidate for resale to present via computing devices associated with the users. The computing system can receive an indication that a user desires to sell an instance of the item. The computing system can process a transaction on behalf of the user to enable the target buyer to purchase the instance of the item.

Methods that provide a blockchain network for entities to securely collaborate with respect to rate card data records and data transactions triggering various events. In these methods, a computing device obtains, from a first blockchain node of an enterprise, via a blockchain channel, a rate card data record that includes at least one unique identifier, primary information about the rate card data record, and a plurality of data values that change over time. The rate card data record is in a form of a distributed ledger blockchain. The computing device generates, using a set of rules in a smart contract, a data transaction based on one or more values in the rate card data record. The data transaction is in the form of the distributed ledger blockchain. The computing device further provides, to a second blockchain node, via the blockchain channel, the data transaction that triggers an executable event.

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.

An information processing device includes a recording unit that records address information of a plurality of wallets of a user including a custodial wallet and a non-custodial wallet in correlation with each other; and a control unit that switches, based on the address information, the wallet to be used among the plurality of wallets according to an operation by the user. The present technology can be applied to an information processing system.

A mobile device includes a processor and a memory coupled to the processor. The memory has a client application including instructions executable by the processor to cause the processor to: receive a user input to access the client application; identify a first transaction card and a second transaction card held by the user, where the first transaction card is activated and the second transaction card is deactivated; present an interface to the user including a first depiction of the first transaction card and a second depiction of the second transaction card, where the second depiction includes a contrasting aspect relative to the first depiction; and receive an input to activate the second transaction card thereby (i) tokenizing the second transaction card and (ii) reducing or removing the contrasting aspect of the second depiction to indicate an activation of the second transaction card.

The invention relates to a supply chain profit sharing settlement method and system based on a block chain, and the method comprises the steps: receiving user order data, and carrying out the analysis to generate a standardized order object; performing dimension analysis on the standardized order object to generate structured data; matching a corresponding profit sharing identity proportion set according to the discount rate; generating profit sharing integral data in combination with the geocoding space dimension and the profit sharing identity proportion set; when the order state is changed to be payment success, marking the profit sharing point data as a frozen state; when the change is completed, constructing a block chain transaction request and submitting the block chain transaction request to a block chain node; automatically analyzing the block chain transaction request, executing point transfer operation and generating an on-chain settlement voucher; carrying out transaction validity verification on the on-chain settlement voucher, and generating a fund transfer instruction; and updating the point account of the user and pushing a settlement result. The real-time performance, the accuracy and the credibility of profit sharing decision making are realized while the high concurrent processing performance is ensured.

The invention relates to the technical field of campus payment, in particular to a campus comprehensive payment and expense management system, which comprises an expense accounting module used for carrying out total amount statistics and accounting on classified payable fees; the data matching module is used for matching the to-be-paid bill with a pre-associated parent payment account; the payment verification module is used for verifying whether the binding relationship between the payment account in the payment request and the corresponding student account is valid or not; the information pushing module is used for pushing the to-be-paid bill to a mobile phone bank end corresponding to the parent for payment processing under the condition that the binding relationship is valid; the state feedback module is used for updating the fee payment state of the student account and the available amount of the parent payment account; and the cost management module is used for carrying out classified statistics on the cost use condition. According to the invention, the binding verification of the student expense accounting and the parent payment account can be effectively associated, and the accuracy of expense management and the security of the payment process are improved.

Particular embodiments provide, by a payment service that processes financial transactions, a payment application to a user device associated with a user. The payment service system receives a request via the payment application to create an account for the user. The payment service initializes an onboarding flow to create the account. The payment service receives, in association with the onboarding flow, a request for a physical payment instrument for association with the account. A customization user interface for receiving user input to generate a customized design to associate with the physical payment instrument is provided. A plurality of user interfaces of the payment application are caused to be presented by the payment service, wherein the plurality of user interfaces are customized based at least in part on the customized design.

The invention discloses a credit business management method and device, electronic equipment and a program product, and relates to the technical field of blockchains, and the method comprises the steps: matching a target credit template from a template library according to business parameters in a credit request, carrying out the parameterization filling, and obtaining an intelligent contract draft, broadcasting the smart contract draft to a plurality of role nodes with authority in the alliance chain network, receiving operation results and signature results fed back by the plurality of role nodes, aggregating the multi-party signature results into a threshold signature under the condition that the operation results indicate that the smart contract draft meets a multi-party threshold signature condition, and sending the threshold signature to the alliance chain network. Writing the signed smart contract into a block chain account book, and updating the state of the smart contract to be an effective state; and in response to the credit request, executing a credit business operation associated with the smart contract. According to the invention, the technical problems of time and labor consumption and easy delay in the credit approval process in the prior art are solved.

Systems and methods for a multi-institution digital wallet browser extension are provided herein. Methods include providing a browser extension on a web browser of a computing device, the browser extension enabling operation of a digital wallet, wherein the web browser is configured to access a merchant website including a checkout page having at least one entry field thereon, automatically prompting a user to select a payment instrument from a list associated with the digital wallet, receiving a selection of the payment instrument, prompting the user to authenticate an identity of the user, and receiving authentication data regarding the identity of the user. Methods further include sending the authentication data to an authentication server to verify the authentication data, receiving an indication from the authentication server that the authentication data is verified, and populating the at least one entry field with personal data associated with the user.

Embodiments of this application disclose an electronic locker control method performed by an electronic device. The method includes: invoking a biometric feature collection device to collect the second biometric feature of the first target object in response to a pickup operation of the first target object for the electronic locker, and matching the second biometric feature of the first target object with first biometric features in the biometric feature database; transmitting a pickup payment request to the first server when the first biometric feature matching the second biometric feature exists in the biometric feature database; and transmitting the first opening instruction to a target electronic storage compartment corresponding to the first target order in the electronic locker to control a locker door of the target electronic storage compartment to be opened when receiving a payment success response returned by the first server.

The invention discloses a block chain transaction anomaly detection method and system based on GAT and GraphSAGE integration, and the method comprises the steps: obtaining block chain transaction data, extracting the data of a transaction node and an address node, and constructing a heterogeneous graph; the heterogeneous graph is input into a GGS model which is constructed and trained in advance, and GraphSAGE and GAT are integrated; neighbor node sampling is carried out on target transaction nodes in the heterogeneous graph, feature representation of the target transaction nodes is integrated, different weights are distributed to the target transaction nodes and neighbor nodes through GAT, and the feature representation of the target transaction nodes is updated through weighted summation; calculating an abnormal transaction probability of each target transaction node according to the feature representation; and predicting the target transaction node according to the abnormal transaction probability, and marking the target transaction node as a normal transaction node or an abnormal transaction node. According to the invention, the block chain transaction anomaly detection precision is improved.

A system for automated account interaction receives historical information associated with an account corresponding to a user. The historical information identifies a transaction involving the account. The system uses one or more trained machine learning models to identify an intent for the transaction at least in part by inputting the historical information to the trained machine learning models. The system uses the trained machine learning models to generate a recommended transaction at least in part by inputting the intent for the transaction to the trained machine learning models. The system outputs the recommended transaction and receives a confirmation regarding the recommended transaction.

A system and method for generating, issuing, and recording value transactions in a peer-to-peer data exchange based on a proof-of-data blockchain. The system enables users to open datastores and receive value, with value transactions recorded on the proof-of-data blockchain. Recorders of value compete to obtain blockchain recording rights by issuing value to users who achieve the highest proof-of-data scores. The system supports recording blocks of variable size to enhance scalability and efficiency

The invention provides a method and device for transmitting financial management service files based on a block chain, and relates to the technical field of file transmission. The method comprises the following steps: a sender puts a financial business file in a shared medium, instructs a file sending processing system to obtain the file from the shared medium, and analyzes and verifies the file to obtain transaction data; and then calling the smart contract to link the transaction data, and finally feeding back a link result to the sender. And a receiver monitors the block data through the long connection, analyzes and verifies the block data to obtain multiple transaction data when new block data is monitored, processes each transaction through a file receiving and processing system, generates file data and places the file data in a shared medium. And then notifying a receiver to obtain the file from the shared medium and processing the file according to the service logic. According to the invention, the transmission security and timeliness of the financial business file are improved, and safe, efficient, timely, accurate and flexible file transmission can be realized.

A method for performing a split payment in the payment system includes generating split payment information for splitting a single payment amount with one or more other electronic devices to make a payment, transmitting the split payment information to a payment service server for providing a payment service, receiving a payment request, checking whether the received payment request is a split payment request, when the received payment request is the split payment request, checking whether the split payment is possible, and if the split payment is possible, performing the split payment based on the split payment information, and when the split payment is completed, respectively transmitting a notification about completion of the split payment to the electronic device and one or more other electronic devices.

The present invention relates to a computer implemented method 600 of effecting peer to peer payments between a payer account and a payee account. The method comprises receiving 601, from a payee device at a payer device associated with a payer account, a payment request message indicating a transaction amount, where the payer account includes tokens corresponding to a monetary value, and sending 603, from the payer device to the payee device, a message including one or more of the tokens together corresponding to a monetary value equal to the transaction amount. At a later point in time, the payer device connects 605 to a blockchain network server and sends 607 a message to record the sending of the one or more of the tokens on a blockchain ledger maintained by the blockchain network server.

The invention relates to the technical field of smart power grid information security and privacy protection, and discloses a smart power grid P2P electric energy transaction differential privacy method comprising the following steps: setting related parameters according to a P2P electric energy transaction platform; constructing an attack evaluation module to obtain a quantified current privacy disclosure risk score; a differential privacy noise adaptive deployment problem is formalized into a Markov decision model; the optimal or near-optimal strategy of the candidate noise injection position and intensity is output in a self-adaptive mode; after noise parameters are generated and a noise injection decision is obtained through a set differential privacy noise mechanism, noise is injected and liquidation is executed at a specified position, a market liquidation result is issued, and meanwhile, corresponding privacy budget is deducted from global privacy budget parameters; and the attack evaluation module is used for carrying out privacy risk re-evaluation on the released market liquidation result, and carrying out online adaptation and rolling updating on the strategy network model. The privacy protection strategy can be dynamically adjusted according to the market state and the privacy risk.

Disclosed are various embodiments for using decentralized identity services and generative large language models (LLMs) to facilitate a humanized interactive chatbot session between two entities where information exchanged can be verified for accuracy. An interactive session can be established between a chat wallet service associated with a first user (e.g., a credential holder) and a second user (e.g., inquirer) using decentralized identity services. Inquiries asked by the second user can be directed to the chat wallet service which can obtain a response from a personalized dialog agent. The personalized dialog agent can obtain the answer by executing a language model that has been trained and personalized using information about the first user. The answer to the inquiry can be verified by comparing the answer with a verified credential associated with the first user. The verified response to the inquiry can then be provided to the second user.

A method for converting a consensus node type and a consensus node, the type of the consensus node includes a first type and a second type, the consensus node of the second type contains state data, the state data includes a plurality of states, the consensus node of the first type contains verification data, the verification data is used for verifying the plurality of states, node type information is stored in a blockchain system, the node type information is used for indicating that a target consensus node is converted from the current first type to the second type, a specific embodiment of the method includes: receiving a first read set of a plurality of first transactions to be executed from a consensus node of the second type, the first read set includes a first state read from the state data according to the plurality of first transactions; verifying the first read set based on the verification data, after verification, executing the plurality of first transactions based on the first read set to obtain a first write set, the first write set includes a second state for updating the state data; storing the second state; updating the verification data according to the second state.

The invention provides a data processing method and device, equipment, a medium and a program product, and can be applied to the technical field of computers and the field of financial science and technology. The method comprises the following steps: responding to received window triggering information sent by a channel application program, and sending a first calling address of a product promotion page matched with the window triggering information to the channel application program; in response to a received product transaction operation of the target object on the product promotion page, creating order information corresponding to the product transaction operation, and generating an encrypted transaction page based on the order information; sending a second calling address of the encrypted transaction page to the channel application program, so that the target object selects a target transaction mode from a plurality of transaction modes included in the encrypted transaction page to perform product transaction; and in response to a received transaction success identifier returned by the provider of the target transaction mode, determining a target additional product of the target object from a plurality of preset additional products.

An object of a system according to an embodiment is to propose management of a disused article and an optimal purchase timing of a desired article.SOLUTION: A system includes a disuse management part, a purchase optimization part, a proposal part, and a payment part. The disused article management part proposes the timing and destination of selling, abandoning and abandoning the disused article. The purchase optimization unit proposes an optimal purchase timing or purchase source of a desired object. The proposal part notifies the user of the contents proposed by the disuse management part and the purchase optimization part. The payment part performs cashless sales and purchase of the disused article.SELECTED DRAWING: Figure 1

In accordance with some embodiments, user interfaces for displaying a transfer request, detecting user input directed to initiating a transfer corresponding to the request, and receiving authentication information to authorize the transfer corresponding to the request are described.

A method and system for granting and verifying a right to use an object through non-fungible token (NFT). An NFT associated with the object is created and a cryptocurrency wallet is set up for the object. When a right to use the object is granted to a user, an NFT associated with the object is transferred from a first cryptocurrency address to a second cryptocurrency address in a cryptocurrency wallet, and a public key associated with the second cryptocurrency address is transferred to the user. The right to use the object can be verified based on the public key associated with the second cryptocurrency address.