1777results about "Payment schemes/models" patented technology

An example operation may include one or more of receiving an identifier of a product from a digital wallet on a user device, identifying one or more payment cards stored within the digital wallet on the user device, determining benefits that will be obtained by using each of the one or more payment cards to purchase the product via execution of an LLM on the identifier of the product and a corpus of credit card documents, and displaying a chat message within a chat window on the user device with a description of the determined benefits that will be obtained.

The invention relates to a data processing method and system based on dynamic routing. The method comprises the following steps: receiving a transaction request initiated by a user; the transaction request comprises merchant information, a payment mode and a transaction amount of the user; obtaining a currently available payment channel; performing multi-dimensional scoring on each payment channel to obtain a scoring result of each payment channel; determining an optimal payment channel according to the scoring result of each payment channel; processing the transaction request by using the selected optimal payment channel; and if the transaction fails, re-scoring other payment channels, and selecting a suboptimal payment channel according to a scoring result until the transaction succeeds or all payment channels are tried. The payment channel selection accuracy, the payment efficiency and the user experience can be improved.

The invention relates to the technical field of intelligent payment, and discloses an aggregation payment system based on intelligent routing, and the system comprises an acquisition module which is configured to acquire multi-dimensional data; the payment channel management module is configured to access a payment channel and monitor the payment channel in real time; the intelligent routing decision module is configured to collect payment data, obtain a comprehensive score of a payment channel based on the payment data, generate a candidate channel based on the comprehensive score, determine transaction cost based on a three-dimensional rate state model, and trigger a fusing mechanism based on the transaction cost; the equipment compatibility module is configured to construct an equipment fingerprint, collect an equipment operation index, calculate a health degree score and trigger a grading response mechanism based on the health degree score; and the profit sharing optimization module is configured to perform automatic account sharing based on the intelligent contract and verify the routing strategy based on gray level distribution. The dynamic adaptability is improved.

An electronic device with a display and a biometric input sensor is described. In some embodiments, the electronic device displays a user interface for a first application that includes an affordance; in response to detecting selection of the affordance, the electronic device transfers first transaction information about a transaction from the first application to a second application and displays a user interface for the second application; in accordance with a determination that detected biometric input is consistent with enrolled biometric input information, the electronic device proceeds with the transaction; after proceeding with the transaction, the electronic device displays a user interface for a third application that includes a second affordance; in response to detecting selection of the second affordance, the electronic device transfers third transaction information about a second transaction from the third application to the second application and displays a second user interface for the second application.

The invention discloses a whole-process collaborative production logistics management optimization system and method. The core of the system is intelligent inquiry and blockchain cost management. The inquiry module fuses a dynamic weight algorithm and a machine learning model, intelligently screens goods opportunities, pushes an AES encrypted inquiry sheet, and optimizes a quotation scheme in a multi-objective manner. And the delivery module is in butt joint with the ERP through the OData API, automatically analyzes the order, generates a delivery order, integrates weighing data for fee calculation, and carries out early warning on an abnormal order. And the customs declaration module identifies invoice information through OCR, automatically extracts customs declaration fields, verifies compliance through API, and generates a standardized customs declaration. The in-transit tracking module integrates a multi-platform API, pulls a logistics state in real time, pushes the logistics state to a client through WebSocket, and transparentizes an order state. The cost management module constructs a distributed account book based on a PBFT consensus mechanism block chain, ensures that cost information is safe and credible, and supports multi-currency settlement and dispute arbitration. The system comprehensively optimizes the production logistics link, realizes full-process collaboration, improves the efficiency, reduces the cost, and enhances the enterprise competitiveness.

The invention discloses a cross-border e-commerce anti-counterfeiting tracing method and system based on a block chain, and belongs to the technical field of computer application. The method comprises the steps of obtaining full-link information of commodity production, storage, logistics and sales links, performing encryption processing through a composite hash function, storing the information to a block chain by using an improved consensus mechanism, constructing an intelligent contract to realize automatic processing of commodity state changes, and scanning a code by a consumer to compare a hash value to verify authenticity. The system comprises an information acquisition module, a hash encryption module, a consensus storage module, an intelligent contract module and a verification module. According to the scheme, it is guaranteed that data cannot be tampered through the composite hash function, the consensus efficiency is improved through the hierarchical verification structure and the dynamic node weight, state monitoring and automatic claim settlement are achieved with the help of the intelligent contract, the problems of data fragmentation, difficult anti-counterfeiting, poor supervision cooperation and the like in cross-border e-commerce are solved, full-link credible evidence storage and automatic supervision are achieved, and the safety of cross-border e-commerce is improved. And the cross-border commodity anti-counterfeiting and traceability efficiency is improved.

To reliably complete settlement using a balance of settlement means.SOLUTION: A determination unit (102) of a settlement system (1) determines the amount of balance to be used in settlement where a balance of settlement means is used. An execution unit (103) makes the settlement on the basis of the use amount. When the balance is used for another settlement during a period from when the use amount is determined until the settlement is made, and the balance is insufficient at the time of making the settlement, the determination unit (102) determines the use amount again. The execution unit (103) makes the settlement on the basis of the determined the use amount again.SELECTED DRAWING: Figure 4

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.

The invention discloses a commodity transaction method and system for a block chain smart contract, and relates to the technical field of smart contracts, and the method comprises the steps: generating an entanglement particle pair through a quantum key distribution protocol, and generating an initial contract parameter package; when the commodity arrives at the logistics key node, generating a space-time stamp hash value, and writing the space-time stamp hash value into the block chain to generate a logistics event voucher; the intelligent contract monitors the logistics event voucher and outputs a verification signal to trigger payment; when the buyer and the seller are objection to the verification result, the smart contract randomly selects an arbitration node through a dark matter detector network; after zero-knowledge proof verification, weighted voting is carried out according to rules, funds are released through a cross-chain protocol, and the commodity ownership is unlocked; after arbitration and verification are completed, the smart contract calls a cross-chain protocol to release funds to the seller, and a closed-loop transaction voucher is formed; through the quantum entanglement particle pair and the gravitational wave sensor, high-precision time-space stamp verification is realized, and authenticity and non-tampering of logistics events are ensured.

The invention relates to the technical field of data processing, can be applied to business system platforms of medical health, financial science and technology and the like, and discloses a payment business processing method based on a process engine, which comprises the following steps: standardizing an input / output interface, packaging business logic into business nodes, and storing the business nodes in a node library. And selecting nodes, configuration information and a connection relationship according to service requirements, and generating a process model. And starting the process engine, and converting the process model to obtain a process instance. And extracting node information and a connection relationship, scheduling node execution, obtaining real-time data, and generating a dynamic adjustment decision. And according to the decision and the real-time data, adjusting a process instance execution path and node parameters, scheduling node execution, completing payment service processing, and storing process instance information in a historical record library. By standardizing the interface, packaging the service nodes, generating the process model and dynamically adjusting the execution path and parameters, the payment service processing is efficiently completed, the flexibility and efficiency are improved, and the process information is convenient to store and trace.

Disclosed is decentralized transaction system comprising computing nodes to implement platform, computing node(s) is configured to: receive, from first user device (FUD), first request for first trade (FT), first smart contract (FSC) to lock funds for FT; receive, from second user device, second request for second trade (ST), second smart contract (SSC) to lock trade subject (TS) for ST; send, to agent database (AD), first notification, for first autonomous agent (FAA) associated with first user (FU); second notification, for second autonomous agent (SAA) associated with second user (SU); create communication interface, FAA configured to send first set of trade parameters (FSOTP), first digital signature (FDS) to SAA, facilitate agent-based trade match, SAA configured to perform trade match, send FDS, FSOTP and second set of trade parameters (SSOTP) to SSC; employ processing interface for enabling order book-based trade verification, SSC to execute transfer of funds and trade subject to SU and FU, respectively.

A method and system for securely communicating with third parties who are authorized to control access to funds in a banking account held by a financial institution is disclosed. The method and system are particularly useful when the third party does not have direct access to account controls (for example, through a secure web portal or a secure banking application). While joint account holders, or other authorized users, of the banking account may communicate directly through an account management service, communication with the third party is mediated using a separate messaging service, such as a short messaging service (SMS). An authorization token may also be used as part of the approval process.

The invention relates to a transaction processing method and device based on a block chain, a storage medium and electronic equipment, and the method comprises the steps: carrying out the hash operation of transaction content in a to-be-initiated transaction request, and obtaining a first hash value; if it is determined that the type of the stored signature algorithm private key is a first-stage classical encryption and anti-quantum encryption signature algorithm private key, signing the first hash value by using the anti-quantum encryption signature algorithm private key to obtain an anti-quantum first signature; splicing the first hash value and the anti-quantum first signature to obtain first spliced data, and performing hash operation to obtain a second hash value; signing the second hash value by using a classical encryption signature algorithm private key to obtain classical first signature data; fusing the anti-quantum first signature and the classical first signature data to obtain signature data; and carrying the signature data in a transaction request, and sending the transaction request to an access node on the block chain for processing. The transaction security can be improved.

The invention discloses a non-account balance mode block chain asset cross-chain security monitoring system and method, and the system and method achieve the synergistic effect: an on-chain data providing layer synchronizes the on-chain information of a plurality of block chains in real time, and a cross-chain transaction matching layer is used for matching the cross-chain sub-transactions between the block chains; the asset transaction monitoring layer monitors all asynchronous sub-transaction data in the full life cycle of the cross-chain transaction based on the matching result; the asset anchoring verification layer verifies the anchoring condition that a bottom layer corresponding to the cross-chain assets issued on each account balance mode block chain is located in a non-account balance mode block chain bottom bin to lock the assets; abnormal data found during monitoring and verification are transmitted to a cross-chain abnormity notification layer and pushed to a cross-chain related person in charge; and the cross-chain state display layer is used for visually displaying the cross-chain abnormal information, the matching result of the cross-chain sub-transactions and the anchoring state. According to the invention, comprehensive guarantee is provided for cross-chain safe circulation of block chain assets based on a non-account balance mode.

The invention provides a comparative learning Ethereum phishing identification method based on high and low frequency fusion Transformer, which is used for identifying a phishing fraud address in Ethereum. According to the method, a transaction sequence is constructed in combination with block chain transaction data, unsupervised pre-training is performed by using a mask address prediction and contrast learning framework based on a Transform model, and local and global features in the transaction data are captured through fusion of high and low frequency information. And on the basis of pre-training, a multi-layer perceptron is used for fine tuning, and finally, transaction addresses are classified and judged. The method combines a mask address prediction task and a comparative learning method, can fully utilize a self-supervised learning pre-training mode to perform efficient feature representation learning, does not depend on a graph structure, sequence information paying attention to transaction and an account behavior mode, effectively improves the generalization ability and robustness of a model, and improves the user experience. And the identification precision of Ethereum phishing and fraud behaviors and the security of user transactions are improved.

The invention belongs to the technical field of electricity-coal safe transaction, and discloses an electricity-coal safe transaction method and system based on a block chain. The method comprises the following steps: carrying out key generation and identity authentication based on a trusted mechanism; uploading encrypted real-time electricity and coal supply data based on an electricity and coal supplier terminal; based on the cloud data center, obtaining decrypted real-time electricity and coal supply data; legality verification is carried out, and distributed storage is carried out; the encrypted real-time electricity and coal demand information is uploaded based on a power plant terminal; based on the cloud data center, obtaining decrypted real-time electricity and coal demand information; retrieving real-time electricity and coal supply data after target decryption; and carrying out electricity-coal safe transaction, and returning a real-time transaction success signal to the corresponding power plant terminal and the electricity-coal supplier terminal. According to the invention, the problems of insufficient security and transparency, low transaction efficiency and high data management cost in the prior art are solved.

The invention provides a payment service security protection method and system based on a block chain, and the method comprises the steps: determining a deployment strategy for a block chain node based on an overall payment service range, building a distributed node based on the deployment strategy, achieving the building of the distributed node for a payment service, guaranteeing the safe and stable completion of the payment service, and improving the safety of the payment service. Based on security rules, a consensus node meeting the current payment service is selected from distributed nodes, a proper node is selected for the current payment service for transaction, transaction security is ensured, transaction security verification is performed on the current payment service based on the consensus node, the current payment service is completed after verification is passed, and the current payment service is completed after transaction security verification is passed. According to the method, malicious attacks are prevented, payment data generated after the current payment service is completed are fragmented, encrypted and stored in the storage node, the safety of the payment data is ensured, and the payment data are effectively prevented from being maliciously modified or deleted through fragmented storage.

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.

A technique for resource allocation estimation for media content items is described. In accordance with the described techniques engagement by a set of user accounts with respective media content items of at least one media content service provider system is obtained. The media content service provider system and / or a payment service system generates historical streaming data for the respective media content items based on the engagement of the set of user accounts. An estimated streaming count of a media content item over a time period based on the historical streaming data for the respective media content items is determined. An estimated resource allocation for the artist is determined based on the estimated streaming count and an advance of funds is facilitated based on the estimated resource allocation to an account of the artist during the time period.

Disclosed are various embodiments for creating a proxy transaction account for a group of members (e.g., consumers) to use when sharing occasion-based expenses (e.g., trip expense, party expenses, etc.). In various examples, a proxy transaction account for a group of members can be created and a payment instrument (e.g., a physical or virtual payment card) associated with the proxy transaction account can be presented to a merchant to pay for the goods or services associated with a transaction. According to various examples, the transaction amount for the transaction can be split and the respective split amount can be applied to each member payment account of the group of members or the transaction amount can be applied to one or more selected member payment account(s) of the group of members in order to maximize reward offers associated with the transaction.

The embodiment of the invention discloses a multi-person payment method and device, equipment and a medium. According to the scheme, the method comprises the following steps: after a short-distance communication connection is established between a first terminal and a second terminal, transaction identification information of transactions needing to be paid by a plurality of users is sent to the second terminal through the short-distance communication connection; wherein each user in the plurality of users needs to pay a part of money in the transaction. Then, payment result information fed back by a server can be obtained, and the server is a target server for the second terminal to send a payment processing request based on the transaction identification information; and the server executes a payment process based on the payment processing request to generate the payment result information.

The invention discloses a financial transaction data intelligent protection method and system based on a block chain, and belongs to the technical field of block chains, and the method comprises the steps: collecting financial transaction data from a data source of a financial transaction system, and carrying out the cleaning, format unification and abnormal value detection processing; dynamic encryption strength adjustment is carried out through the smart contract according to the sensitivity and the purpose of the transaction data, compared with a traditional fixed encryption mode, data can be protected more accurately, identity authentication is carried out in combination with a zero-knowledge proof mechanism, specific identity information does not need to be exposed in the identity authentication process, identity information leakage is effectively prevented, and user experience is improved. Encrypted financial transaction data are recorded in a block chain, it is ensured that the data are not maliciously tampered in the storage and transmission process through the non-tampering characteristic of the block chain, each transaction generates a unique hash value as an identity identifier, and decentralized propagation and consensus verification are performed in a block chain network, so that the security of the transaction is improved. And the integrity and credibility of the data are further enhanced.

A system and associated method and service for providing a platform that enables members to transfer, receive, or otherwise exchange cash in various international denominations and commodities, such as precious metals (e.g., gold, silver, etc.), in a mobile highly secured telecommunications environment. The system is capable of delivering cash instantly between two or more users by allowing the exchange of secure transactions between system and cash dispensing machines (ATMs). Users may pay, receive, exchange, deposit, transfer, pay bills, exchange currency, retrieve cash, deposit cash and create accounts based on the mobile phone number or a system generated code.

Systems and methods are disclosed for executing an electronic transaction using a digital wallet. One method includes receiving an express checkout request and electronic transaction data from an electronic transaction browser. The digital wallet system may determine whether a user is enrolled in the digital wallet system. The digital wallet system may transmit a verification request to the electronic transaction browser upon determining the user is enrolled in the digital wallet system. The digital wallet system may receive a verification response from the electronic transaction browser. The digital wallet system may generate a graphical interface including predetermined user data. The digital wallet system may complete an electronic transaction based on the user response.

Systems and methods for failed payment recovery can include a method for payment recovery. The method includes steps for receiving a set of transaction information, predicting a set of one or more authorization field values based on the received set of transaction information, predicting a set of one or more optimal send times based on the received set of transaction information, and transmitting a set of one or more authorization messages based on the predicted set of authorization field values and the predicted set of optimal send times.

Automated provisioning, according to one example embodiment, enables a mutual customer to establish an intelligent and automated connection between an accounting software system and their financial institution. For example, this might be achieved by allowing a financial institution customer to make feeds from their bank accounts available to the accounting software system within financial internet software (e.g., hosted and operated by the customer's financial institution). Once a customer selects the bank account(s) they want to share with the accounting software system, they are passed along to the accounting software system to link the selected bank account with an account they have set up in the accounting software system.

The invention relates to the technical field of block chain settlement, in particular to a multi-party participation automatic settlement method and system based on a block chain, and the method comprises the following steps: obtaining multi-party node account records, recognizing the relation between paths and account period fields, comparing the field sequence, screening releasable paths, adding control fields, eliminating repeated states, and positioning unused fields. And writing an account period settlement state field to obtain an account book synchronization result. According to the invention, through sequential processing of account period fields in a path structure, association of multi-node account information, limitation of path behaviors through a corresponding relation between permission fields and identity fields, addition of control fields in a path to constrain a state use range, and screening of state fields, used path records are eliminated. Account book writing of the settlement field and the state field is completed according to the structure position, the path control range is limited, the account period behavior can be subjected to segmented scheduling in the scene of participation of multiple parties, and the state content keeps structural distinguishing in the process of writing on the chain.

The invention relates to the technical field of data processing, and provides a charging platform clearing and settlement method, system and device, and a medium, which can authenticate a charging request according to the trigger type of the charging request, and charge a target vehicle after the charging request passes the authentication, thereby improving the safety of the charging platform. After an operator collects and verifies charging information, the charging information is uploaded to a clearing and settlement end of the charging platform in real time through a uniform interface based on a transmission optimization technology, the integrity of the charging information can be ensured through the uniform interface, accurate transmission of data can be further ensured in combination with the transmission optimization technology, and the error rate is reduced; the charging platform clearing and settlement end generates a sub-bill according to a sub-bill agreed with the partner, and the financial institution clearing and settlement end performs sub-bill according to the sub-bill and obtains funds from the supervision party according to the sub-bill result and issues the funds to the partner, thereby ensuring that the charging cost is reasonably and efficiently distributed.