1280results about "Payment schemes/models" patented technology

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.

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 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.

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.

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.

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.

In examples, the claimed techniques comprise a point-of-sale (POS) application monitoring a POS device for an indication that a transaction has been initiated; contextually associating the POS device with a mobile payment application executing on a customer device to cause receiving an indication of the transaction initialized between the customer device and the POS device; the mobile payment application receiving at least a portion of transaction data generated by the POS application; the mobile payment application generating a payment-ready message that is configured for processing the transaction by the mobile payment application instead of the POS application and that includes at least the portion of the transaction data; and the mobile payment application presenting, on a display of the customer device, user interface element(s), at least one of which selectable to complete the processing of the transaction.

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.

A computing system can provide an interface for users of a messaging service to exchange messages with other users of the messaging service. The system can associate each exchange of messages with an underlying document, and structure the underlying document of each message exchange so that each message as a comment that is embedded or linked to the document.

Systems and methods disclosed herein include a mobile solution to enable users to perform financial transaction over a network using a mobile device. These techniques allow users to maintain a single personal account identifier or number (“PAN”) on the user's mobile device and to utilize it to access a plurality of linked financial accounts and sub-accounts. Any one of the accounts can be selected by a user on the mobile device to remotely deposit funds to that account based on an image of a financial payment instrument. The image can be obtained using image capture technology on the user's mobile device. Users can perform a financial transaction using the verified images over a network in order to conduct a remote financial transaction such as applying a deposit, a payment, or cash load to a designated account which is linked to the user's mobile account in real-time or near real-time.

Improved Simplified Payment Verification (SPV) solutions for blockchain-implemented transfers are presented and can be implemented in one or more SPV wallets, or on smart cards etc. that can enable Alice to transfer an asset to Bob. Bob sends Alice a payment transaction template (template Tx3) and requests: the full transaction data for all input transactions (Tx1, Tx2) comprising at least one output that Alice wants to spend as inputs to a transfer (Tx3); the Merkle path for all input transactions (Tx1, Tx2) linking them to their respective Merkle roots associated with their respective block headers; the completed transfer transaction (Tx3). Alice provides this information plus her signature and optionally a change address. Bob can then perform local SPV checks using transactions Tx1 and Tx2, their corresponding Merkle paths Path 1, Path 2, and Bob's local list of block headers. Bob broadcasts the transfer transaction (Tx3) to the P2P network.

The invention provides improved verification solutions for blockchain-implemented transfers. It is suited for, but not limited to, implementation in an SPV wallet. In accordance with one embodiment, a system or resource is provided which comprises a plurality of novel SPV verification components, the activities of which are coordinated by a coordination component. The system enables Bob to send Alice a payment transaction template (template Tx3) and requests: the full transaction data for all input transactions (Tx1, Tx2) comprising at least one output that Alice wants to spend as inputs to a transfer (Tx3); the Merkle path for all input transactions (Tx1, Tx2) linking them to their respective Merkle roots associated with their respective block headers; the completed transfer transaction (Tx3). Alice provides this information plus her signature. Bob can then perform local SPV checks on the input transactions Tx1, Tx2 using transactions Tx1 and Tx2, their corresponding Merkle paths Path 1, Path 2, and Error! Bookmark not defined. Bob's local list of block headers. Bob broadcasts the transfer transaction (Tx3) to the P2P network.

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.

Systems, methods, and computer program products are provided for flexible transaction message routing. An exemplary method includes receiving an authorization request message associated with a payment transaction. The authorization request message includes a first account identifier associated with a user. A second account identifier is determined from a plurality of account identifiers based on at least one rule associated with the first account identifier. A modified authorization request message for the payment transaction is generated. The modified authorization request message includes the second account identifier. The modified authorization request message is transmitted to an issuer system associated with the second account identifier. A transaction history record based on the payment transaction and the second account identifier is stored.

Disclosed embodiments may provide an application-programming interface (API) framework for activating revolving accounts. A computer-implemented method can include receiving a preapproval API response to identify a set of preapproved revolving accounts. In response to receiving a selection of a revolving account from the set of preapproved revolving accounts, an activation API request for activating the selected revolving account can be constructed. In some instances, the activation API request includes supplemental personally-identifiable information (PII) associated with the user. The computer-implemented method can also include receiving an approval API response that includes an indication that the user is approved for the selected revolving account, and the indication is determined based on a formal qualification inquiry performed on the supplemental PII.

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 carbon transaction method and system for the transportation industry, and the method comprises the following steps: dividing the transportation modes of the industry into land transportation, air transportation and waterway transportation according to the comprehensiveness of the transportation industry; respectively carrying out carbon emission accounting on the three types of transportation modes; summarizing land transportation, air transportation and waterway transportation to calculate the total carbon emission amount of the enterprise; a carbon emission accounting model is constructed, and the total carbon emission amount of each enterprise is calculated; each enterprise allocates the carbon quota according to the allocation proportion; carbon quota transaction: dynamically collecting demand and supply conditions of the buyer and the seller by adopting a principle of combining bilateral auction and dynamic pricing, and jointly determining a final transaction price by the buyer and the seller; identity verification of the buyer and the seller is completed in the transaction process, the transaction is executed through an intelligent contract, and carbon quota transfer and fund payment are achieved. And recording the transaction data in a database in real time. According to the invention, a more accurate, transparent and sustainable operation mechanism is constructed for carbon transaction in the transportation industry.

The invention relates to the technical field of financial data processing, in particular to a payment and settlement service system based on a big data technology, and the system comprises a data collection module, a user payment behavior recognition module, a payment channel evaluation module, and a payment execution and monitoring module. According to the invention, through deep analysis of transaction data and dynamic user portrait construction, consumption modes and preference trends of users can be captured and analyzed more accurately, and through extraction of periodic purchase behaviors and sudden change preferences, payment experience is highly personalized, customer service quality is greatly improved, payment channel assessment is comprehensive, and user experience is improved. The method includes real-time performance monitoring and cost analysis, guarantees the optimization of the payment process, effectively improves the processing speed and safety, reduces the fraud risk, enhances the transaction safety and transparency through the implementation of full-chain encryption and the real-time tracking of the payment progress, and improves the response speed to potential abnormalities.

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.

A system for locally authenticating a transaction of digital financial assets, such as cryptocurrency. A first device may locally store financial assets in non- volatile memory of the first device. The first device may use the locally-stored financial assets to conduct a local transaction with a second device. The first device may generate a transaction settlement data token and exchange the token with the second device, wherein the transaction settlement data token includes information specific to the local transaction, a value associated with the local transaction, and encrypted personal information associated with the first device. After receiving a confirmation of transmission from the second device, the value associated with the local transaction may be debited from the locally-stored financial assets.

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.

Application integration for web payments is described. In an example, a peer-to-peer (P2P) payment platform can present, via a web browser, a merchant web page that includes an actuation mechanism for selection of a payment making platform for making a payment for a transaction. The peer-to-peer (P2P) payment platform detects interaction with the actuation mechanism and presents a prompt for a user identifier via the web browser. The peer-to-peer (P2P) payment platform sends the user identifier (which is associated with an account of the user) to the payment making platform and receives an indication of the user account from the payment making platform. Based on the indication and the transaction data, the peer-to-peer (P2P) payment platform transfers funds from a stored balance of the user to a merchant account of the merchant. The peer-to-peer (P2P) payment platform presents at least a portion of the transaction data.