913results about "Payment schemes/models" patented technology

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

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.

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.

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 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 business request processing method and device, a storage medium and a program product, which can be applied to the field of financial science and technology, and comprises the following steps: after detecting that a target account node triggers a payment request, determining a target limit corresponding to the target account node; the target account node signs a fund pool sharing protocol with at least one other account node; judging whether a target quota corresponding to the target account node meets the payment request quota or not; if not, determining a sharing limit corresponding to the target account node according to a fund pool sharing protocol; and completing the payment request according to the payment priority, the sharing limit and the overdraft limit corresponding to the target account node. According to the technical scheme provided by the embodiment of the invention, the timeliness of fund sharing among different account nodes can be ensured, the scene of urgent need of fund of the account nodes is met, and the processing efficiency of the account node service request is improved.

The invention belongs to the technical field of block chains, and particularly relates to a notarist group cross-chain strategy based on a two-stage protocol, and the strategy comprises the following steps: 1, constructing a cross-chain transaction system model composed of a source chain, a target chain and a notarist group, respectively setting public accounts in the source chain and the target chain, and a transaction pool for managing transaction data is established by the notarist group. 2, a request stage: after a transaction failure is detected, a system enters the request stage, key indexes such as network delay, chain load, a notarist response state, exchange rate fluctuation and a historical failure rate are collected, and a feasibility score value of transaction rollback is calculated through normalization processing and a weighting function; the system generates a dynamic rollback threshold value according to the current environment and compares the dynamic rollback threshold value with the score value, if the score value is lower than the threshold value, it is judged that rollback can be executed, and a rollback stage is entered; otherwise, directly turning to the compensation process. 3, the system constructs an on-chain revocation request according to the original transaction, and monitors whether rollback is successful or not within the set monitoring time; if not, retry is tried, and the compensation process is automatically switched to after the threshold value is exceeded. 4, a compensation stage: the system calculates a compensation amount and pushes the compensation amount to the user in combination with the original transaction amount and the exchange rate change, and in-chain compensation transaction is executed after the user authorizes and confirms the compensation amount; and if no response or rejection exists, the transaction compensation process is terminated.

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.

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.

In one embodiment, a method includes receiving transaction data associated with a protected first function of a first blockchain transaction protocol by a cybersecurity authentication service of a blockchain cybersecurity platform, assigning a first authority classification to the protected first function based on a transaction protocol runbook comprising preconfigured conditions associated with the protected first function, accessing the transaction data via a cybersecurity authentication interface by a first cybersecurity authority having an authority classification corresponding to the first authority classification, determining that the protected first function should be authenticated by the first cybersecurity authority based on each preconfigured condition being satisfied, inputting an authentication of the protected first function via the cybersecurity authentication interface by the first cybersecurity authority, and transmitting a transaction bundle configured to update a second blockchain transaction protocol to indicate that the protected first function is authenticated.

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

Technologies for initiating payment processing include a compute device. The compute device includes circuitry configured to obtain, at a merchant location, a notification transmitted from a merchant point of sale device, to facilitate a financial transaction. The notification may be indicative of a financial transaction that was initiated between the merchant point of sale device that is at the merchant location and a remote gateway compute device that is not at the merchant location. The circuitry may also be configured to send, to the remote gateway compute device, payor identification data that identifies the payor associated with the financial transaction. Further, the circuitry may be configured to send, to the remote gateway compute device, payment method selection data indicative of a payment method selected by the payor for the financial transaction.

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 discloses a consumption system and management method for middle and primary school students, and particularly relates to the technical field of campus consumption management, and the system comprises a student terminal, a consumption terminal, a server, a management terminal and a parent terminal. The consumption terminal is integrated with an offline storage module to realize offline transaction temporary storage and recovery return; the server deploys a six-layer cascade risk control engine to execute real-time verification of the account state, the balance, the single limit, the time period compliance, the place permission and the cycle total amount; the management end configures a hierarchical consumption rule (whole school-grade-individual) and supports dynamic authority distribution of the parent end; the method comprises the processes of account setting, rule configuration, offline processing and consumption analysis. Through cooperation of a hardware fault-tolerant design and a software strategy, the problems of strong network dependence, single risk control dimension and weak education cooperation of a campus consumption scene are solved, and a safe and controllable consumption management closed loop is realized.

A system and method for facilitating cross-border financial transactions through a money movement transaction marketplace. The system allows users to trade cross-border transaction requests, matching complementary payment needs to enable conversion into domestic equivalents. It includes a matching engine for identifying transaction pairs, a conversion module for domestic settlement, and a compliance framework supporting Anti-Money Laundering (AML) and Know Your Customer (KYC) protocols. The marketplace reduces costs by enabling peer-to-peer trading of transactions, bypassing intermediaries and standard currency conversion processes. The system supports dynamic exchange rate determination, multi-currency operations, and integration with financial institutions via standardized Software System's Interfaces (e.g., APIs). Secure communication, encrypted data handling, and fraud detection mechanisms ensure compliance and reliability. By addressing inefficiencies in traditional cross-border systems, the invention promotes financial inclusion and aligns with global goals to provide accessible, cost-effective solutions for underserved populations while ensuring transparency and scalability in cross-border payments.

Techniques described herein are directed to generating group data objects and monitoring inputs associated with the group data objects to determine if attribute thresholds are satisfied. When satisfied, functionality may be enabled for the users associated with the group data objects. Additionally, when change to the group data object are detected, user interfaces associated with the group data object may be updated to provide real-time indications of information and functionality associated with the group data object.

The invention relates to the technical field of mobile payment, in particular to a dynamic adjustment method for a mobile payment password-free limit, which comprises the following steps: when a payment terminal initiates a payment request, acquiring a network environment, an equipment unlocking mode, an SIM card state, system integrity and a discrete state of an application environment in real time, and establishing an equipment security state vector; according to the invention, multi-dimensional acquisition is carried out on the network environment, the equipment unlocking mode, the SIM card state, the system integrity and the discrete state of the application environment, and the security state vector is constructed, so that the equipment security can be subjected to structured description before the transaction is initiated, and the security fluctuation characteristics during the operation of the equipment are captured; by means of a security product attenuation value generated by a security state vector and in combination with a highest password-free quota reference value set by a user, a comprehensive equipment security score is output in a nonlinear function form, and quantitative filtering of equipment credibility is realized in a previous stage of quota calculation.

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.

A method includes initiating, by a payor computing device associated with a first jurisdiction, a payment of a desired amount to a payee computing device associated with a second jurisdiction. The method further includes receiving, by a cryptocurrency acceptance network computing device, a request to process the payment and placing a hold on collateral cryptocurrency. The method further includes sending, by the payor computing device, first cryptocurrency to the cryptocurrency acceptance network computing device, where the cryptocurrency acceptance network computing device sends the first cryptocurrency to a first cryptocurrency exchange device associated with the first jurisdiction to be converted to an amount of universally accepted cryptocurrency and sent to a second cryptocurrency exchange device associated with the second jurisdiction where the second cryptocurrency exchange device converts the amount of the universally accepted cryptocurrency to a desired currency and sends the amount of the desired currency to the payee computing device.

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.

The invention relates to an electric power accounting clearing optimization system based on multi-channel payment. The electric power accounting clearing optimization system comprises a channel access layer, an accounting processing layer, a clearing charging engine, an account checking adjustment layer and a service display and interface layer. The channel access layer is in butt joint with payment channels, comprises WeChat, Alipay, UnionPay, bank outlet counter, self-service terminal and enterprise APP, and collects orders and payment flow; the accounting processing layer is used for order management, payment or refund interface and accounting data formatting standardization; the clearing and charging engine is responsible for collecting funds of each channel and carrying out multi-dimensional clearing according to a settlement rule and a service charge allocation strategy; the reconciliation adjustment layer performs automatic reconciliation, abnormity identification and reconciliation processing, and supports post manual reconciliation; the business display and interface layer is in butt joint with an ERP, a financial system and a cashier system and outputs an accounting report and a clearing result. According to the invention, the power accounting clearing efficiency and accuracy are effectively improved.