208results about "Pre-payment schemes" patented technology

Embodiments are directed toward a blockchain system including a global state and an assemblage of blocks, each block representing a collection of state transformation records, each state transformation record describing a state transformation performed on the global state, where preceding blocks referenced by any given block contain state transformation records describing state transformations performed on the global state prior to the evaluation of the given block, and where at least one state transformation record is a zero-knowledge transformation record encoding a zero-knowledge state transformation description, which zero-knowledge transformation record comprises at least the following elements: paths identifying the locations of the elements of a discrete data subset, a revised data subset, and a transition proof implemented as a non-interactive zero-knowledge proof, which transition proof proves that the transition from the discrete data subset to the revised data subset follows the established rules of the blockchain system.

The invention discloses a presale fund supervision method and device based on multi-objective optimization, and relates to the field of financial risk management. Constructing a dynamic knowledge graph by fusing multi-source data, and forming an entity relationship network of a project, an enterprise and an associated party to quantify a risk path; predicting the comprehensive risk probability by adopting multiple models integrating static, time sequence and graph neural networks; the probability is input into an optimization decision engine, an improved multi-objective evolutionary algorithm is used to solve a Pareto optimal solution set of fund security, flow efficiency and project delivery rate, and objective weights are adjusted according to dynamic constraints; and finally, matching an optimal solution based on decision preference through a man-machine cooperation interface, automatically generating a personalized early warning and response strategy, and deploying and executing the personalized early warning and response strategy. According to the invention, dynamic and accurate supervision of presale funds is realized, and the fund security and the project delivery guarantee level are effectively improved.

Disclosed are systems, methods, and techniques for purchasing and activating a decoupled gift card. A system can include: a first gift card component of a first type having a first identifier, a second gift card component of a second type separate from the first component and having a second identifier, the second component being configured to attach to the first component to form a decoupled gift card purchasable during a checkout process, a point of sale (POS) terminal that scans the first and second identifiers during checkout, and a remote computer system that can activate the decoupled gift card while the checkout process is performed. The remote system can receive the scanned identifiers, identify a gift card number corresponding to the first scanned identifier, identify an access token corresponding to the second scanned identifier, and associate the gift card number with the access token to activate the decoupled gift card.

The invention discloses an ETC prepaid card transaction data security processing system, and belongs to the technical field of ETC. User classification is carried out according to security protection information to obtain a plurality of user classifications, and security situation simulation is carried out according to the user classifications to obtain security situation analysis results of the user classifications; identifying transaction data of the user in real time, and encrypting the transaction data through a preset data encryption mode; performing identity verification on the user according to a preset identity verification mode; generating an ETC transaction portrait according to the historical ETC transaction data of the user, and dynamically updating the ETC transaction portrait according to the ETC transaction data; and establishing a transaction abnormity identification model, identifying ETC transaction data in real time, carrying out risk analysis on the ETC transaction data according to the ETC transaction portrait through the transaction abnormity identification model, obtaining a corresponding transaction risk identification result, and carrying out corresponding processing according to the transaction risk identification result.

An account is managed using information read from a dual frequency transponder. Information stored on the dual frequency transponder can be read by a NFC-enabled device and by a UHF RFID reader. The information links, corresponds, or otherwise provides access to account information stored at a remote server. For example, a NFC-enabled device can read the information from the dual frequency transponder and use that information to enable instant and on-the-spot recharging of a toll account. In addition, a UHF RFID toll reader can scan information from the dual frequency transponder and use that information to debit toll charges from the correct toll account. The dual frequency transponder can be embedded in a license plate and read using a reader placed in the road. Additionally, the transponder can be configured to function at the correct frequency only when a valid vehicle registration sticker is applied to the license plate.

The invention relates to the technical field of rent withholding, and discloses a SaaS online car-hailing rent withholding method and system, and the method comprises the steps: judging whether a to-be-deducted rent exists or not when a driver side is detected to complete an order; if the rent to be deducted exists, the fund is frozen, and whether the income fund of the driver side is greater than the rent fund is judged; if the income fund of the driver side is greater than the rent fund, the rent fund deduction is initiated according to a pre-configured deduction strategy; according to the method, the fund is frozen firstly under the condition that the order is completed at the driver end and the rent to be deducted exists, so that the condition that the rent cannot be deducted instead due to the fact that the driver withdraws the fund when the rent deduction is not completed is prevented, and when the income fund of the driver end is greater than the rent fund, the fund is transferred to the rent supervision account through the fund transfer tool. According to the method, the rent withholding is initiated, the withholding rent is transferred to the rent supervision account, the rent withholding is automatically carried out, and the security and supervision strength of funds are enhanced.

Systems and methods that utilize funds accessed from a gaming establishment front money handling system to provide an overdraft protection feature to one or more gaming establishment accounts.

The application is suitable for the technical field of mobile terminal advertisement scheduling and resource adaptive control, and provides a kind of adaptive recharge scheduling method and system based on multi-platform, the method comprises: under the premise that current GPU load is greater than critical GPU load, adjustment coefficient is generated according to the difference between the two, and the content complexity corresponding to the initial advertisement content is adjusted based on the adjustment coefficient;Select the advertisement content that best matches the adjusted content complexity from several candidate platforms, replace the initial advertisement content with it, and push it to the recharge page of the target user.The application introduces terminal device GPU load as a key technical parameter for advertisement scheduling in the scenario of charging, dynamically determines the critical GPU load based on the correlation between user interaction behavior and GPU load change in historical samples, and generates an adjustment coefficient based on the degree of excess when the current GPU load exceeds the critical GPU load, to adaptively adjust the complexity of the advertisement content.

The aim is to improve convenience in payment systems. [Solution] The second payment information acquisition unit 101 of the service provider server 1 acquires the second payment information. The value conversion unit 102 performs a process to convert the second value indicated by the second value information into the first value. The third payment information provision unit 103 provides the first payment information, the first value information indicating the use of the first value converted by the value conversion means, and customer information to the QR code (registered trademark) payer server 5 as third payment information. The third payment information acquisition unit 501 of the QR code payer server 5 acquires the third payment information. The payment processing execution unit 502 settles the customer for a predetermined price of goods, etc., using the first value, based on the third payment information.

This invention discloses an intelligent self-service recharge system and its security optimization method, belonging to the field of communication technology. It includes a main application server, an event bus cluster, a NAS storage device, an API gateway, a payment gateway server, an anomaly detection server, a LAN switch, a self-service terminal, a card reader, a firewall gateway, and an external payment system interface. It solves the technical problems of providing modular services, improving system flexibility and scalability, enhancing data security, and optimizing event handling mechanisms. It is easy to expand and maintain, improves data interaction efficiency, has efficient event handling, enhanced data security, an intelligent recommendation engine, and an innovative user experience. It seamlessly integrates identity verification, payment, photo upload, and feedback processes, significantly improving system usability. It also introduces a social recommendation mechanism to enhance employee interaction and consumption experience.

A store server for managing customer information received by a terminal in a store, includes a network interface connectable to the terminal and a first server that stores information about a customer, the information associating identification information of the customer with a state of a medium issued to the customer and that is usable for payment, and a processor configured to: acquire identification information of a customer from the terminal, control the interface to transmit the identification information to the first server, acquire from the first server the state of the medium issued to the customer, and determine whether the medium is in an unusable state, upon determining that the medium is not in a usable state, cause the terminal to accept the medium for payment, and upon determining that the medium is in the unusable state, cause the terminal to display a message indicating that the medium is unusable.

The embodiment of the invention discloses a prepayment electricity meter settlement method and system, and the method comprises the steps: an electricity meter end generates a periodic statistical result according to the freezing density, and synchronously records a rate version, a parameter fingerprint, an event set and a time synchronization baseline; performing abstract calculation on the feature sequence to form a periodic voucher, signing the periodic voucher, and uploading the periodic voucher and a statistical result according to an increasing order; and the platform side independently recomputes and reconstructs an abstract root according to the rate version, confirms consistency if the deviation does not exceed a threshold value, or selectively backtracks and checks according to the voucher index until consistency or outputs an abnormal mark, and then generates a settlement voucher and updates an account. The system is composed of an ammeter end and a platform side, the ammeter end is configured with a statistics and freezing unit, an abstract and voucher generation unit, a sequential communication unit, a time baseline unit and a security unit, and the platform side is configured with an independent recalculation module, an abstract reconstruction and signature verification module, a backtracking verification module and a settlement archiving module. According to the invention, through end cloud reconciliation at a period level, reconciliation with credible source, consistent caliber and low cost is realized.

The invention provides a method for automatically reminding a merchant owner to pay before arrearage of an energy meter in a park. According to the method, the recharge balance of each energy meter is obtained regularly through a rear-end timed task, the energy consumption value of the next day is predicted in combination with an energy efficiency future consumption prediction algorithm, whether the arrearage risk exists in the day is judged, and if the arrearage risk exists, an alarm message is pushed to a merchant owner through multiple channels such as a WeChat official account, a short message and an email, so that the energy meter can be automatically and accurately recharged. A recharging link is provided in the alarm message, and the user can directly switch to a recharging interface of the merchant through the link, so that the payment efficiency and experience of the merchant are improved. In addition, the method and the device also support personalized configuration of alarm rules and alarm strategies for the park commercial tenants, and push of alarm messages is carried out by judging energy consumption alarm conditions independently set by the park commercial tenants. The invention further provides a function of allowing setting of the number of pushing times of the alarm message and avoiding repeated reminding and judgment of the message.

The application provides a power meter prepayment settlement method based on real-time dynamic compensation, a medium and a system, and the method comprises the following steps: S1, after receiving a power purchase request, acquiring the monthly power purchase transaction record of the power meter and calculating the monthly cumulative power purchase amount; S2, judging whether the current power purchase transaction triggers a ladder transition according to the theoretical power purchase amount interval corresponding to each ladder; if yes, executing a preset price continuity compensation process, calculating a compensation amount, and then executing S3; if no, marking the compensation amount as 0, and then executing S3; S3, calculating the actual power purchase amount of the current power purchase transaction according to the current power purchase amount and the compensation amount; S4, calculating the current power purchase quantity according to the actual power purchase amount and the ladder unit price corresponding to the ladder to which the current power purchase transaction belongs. The application can perform real-time compensation in each power purchase transaction, so that the user can obtain continuous and fair treatment in the entire power purchase process.

Implementations and examples described herein provide for integrating gift cards and gift card transactions into payment flows that include general payment networks, providing the functionality of closed-loop gift card systems within the wider payment networks and allowing for the use of gift cards with additional payment methods.

Disclosed are systems, methods, and techniques for combinable gift card components during a checkout process in a retail environment. A gift card can include a first gift card component of a first type, the first gift card component including a first identifier (e.g., barcode), and a second gift card component of a second type that can be different from the first type and separate from the first gift card component, having a second identifier. The first and second identifiers can be scanned and used to associate the first gift card component with the second gift card component. The second gift card component can be an envelope or sleeve that can be a similar size and / or a similar shape as the first gift card component. The second gift card component can permanently attach to the first gift card component during the checkout process to form the gift card.

The invention provides a recharging processing method and device, electronic equipment and a storage medium, and is suitable for the technical field of recharging payment. The method comprises the steps of periodically scanning an order record of each order according to a first preset time interval, and determining a to-be-processed order; the order record comprises an order state and a calling interface, and the to-be-processed order comprises a first to-be-processed order of which the order state is to be paid; obtaining a calling interface corresponding to the first to-be-processed order based on the order record; callback information is obtained through the calling interface; the callback information comprises a payment result notification; and updating the order record based on the callback information. According to the embodiment of the invention, the condition of callback loss or delay is compensated through polling compensation, the condition of manual account checking is effectively reduced or avoided, the cost is reduced, and the callback reliability and the callback speed are improved.

The application discloses a kind of online payment method and device based on wechat payment suitable for meeting system, including: user fills out registration information, after registration fee related information, meeting payment system gives required cost, user sends payment request, meeting payment system generates user registration order and payment order, simultaneously, it is called the ordering interface of wechat payment platform to generate prepayment transaction, and according to prepayment transaction link, payment two-dimensional code is generated for user to scan code, after completion, wechat payment platform asynchronously informs meeting system payment result, meeting payment system updates local payment state and user registration order state, and prompts registration success to user.The application provides a kind of quick, safe payment mode to handle meeting fee payment, improves user experience and meeting organization efficiency.

This invention provides a purchasing agency system, management device, and purchasing agency method that enable simple and reliable settlement processing for the purchase of goods or applications for the provision of services, while also preventing purchasing errors. [Solution] By sending order data for the purchase of goods or provision of services from the ordering party's terminal, the ordering party can request a purchasing agent using the purchasing agent's device to perform purchasing based on the order data. The management device then matches the order data, which includes the price of the goods or services, the receipt data, which includes the receipt information for the amount paid by the purchasing agent, and the payment data, which includes the funds used from a predetermined account by the purchasing agent's device to pay the price for the goods or services, and performs settlement processing.

To provide an information processing device reducing the frequency of automatic charge when the total amount of commodities is larger than the balance of electronic money, a server, an information processing system, a method, and a program.SOLUTION: In a cart register device, recording medium identification information of a recording medium, cart register identification information, and commodity identification information of commodities are acquired and transmitted to a server. The server stores the received recording medium identification information and cart register identification information in association with each other. The server further stores the recording medium identification information and the balance in association with each other. When the total amount of the commodities whose commodity identification information is acquired is larger than a first balance corresponding to the recording medium identification information, the charge amount is determined in accordance with a difference between the total amount and the first balance. The cart register device causes a display unit to display the determined charge amount.SELECTED DRAWING: Figure 1

The invention discloses a prepayment heat supply network metering management method and system, and relates to the technical field of metering management. Comprising the following steps: performing multi-dimensional division on collected heat supply network metering data to generate a slice matrix containing a state field; different space and equipment combinations under the same time dimension are extracted from the slice matrix, heat difference cross analysis is carried out, and abnormal fragments are screened; constructing an adjacent node set by taking a space node in which the abnormal fragment is located as a center, performing state consistency analysis and measurement correction on the abnormal fragment, and updating a state field of the slice matrix; and if the corrected slice still has the abnormal state, triggering a dormant account verification process, calling historical slice data of a dormant node to carry out trend association analysis, and bringing an effective heat change sequence into final judgment and trend correction of the current node. According to the invention, the stability and the intelligent level of heat supply network metering management are enhanced, and the metering fairness and the operation and maintenance efficiency under a prepayment mechanism can be improved.

A method, a system, and a computer program product for using contactless cards and mobile applications for selecting and using methods of payment for transactions. An identifier associated with a transaction is received. The transaction is configured to be executed using at least one computing device. One or more virtual identifiers are generated using the received identifier. At least one virtual identifier is selected and assigned to the transaction. Execution of the transaction is triggered by the computing device using the assigned virtual identifier.

To improve user convenience.SOLUTION: An electronic payment application causes a computer with a display unit to execute: processing for, when a user performs an operation for performing charge of electronic money to an electronic wallet of the user of an electronic payment service, displaying information on an asset of the user managed by other services on an interface screen which receives the charge; and processing for, when the user performs the operation for performing the charge using the asset, executing the charge using a part or the whole of the asset.SELECTED DRAWING: Figure 1

In a gaming method and system, a player is permitted to move funds from a gaming machine at a casino, such as funds won at the gaming machine or input into the gaming machine, with a funds account which the player can utilize to fund remote or mobile gaming. When a player of a gaming machine is identified, such as by detecting or sensing the player's mobile communication device or by a player's use of a player card or the like, a gaming machine may be configured or triggered to activate one or more funds association options, such as to offer the player the opportunity to associate funds provided to the gaming machine with their account for use in remote or mobile gaming.

A computer-implemented method for pre-authorization of funds for future transactions by a user of an electronic mobile device. The method includes receiving a user-selected amount of funds to pre-authorize for a potential upcoming purchase and sending a pre-authorization request for the user-selected amount of funds to an interchange network. The method may also include receiving from the interchange network an authorization of pre-authorized funds and one or more authorization codes associated with the pre-authorized funds, as well as storing an amount of the pre-authorized funds and the authorization codes in memory of the electronic mobile device. Furthermore, the method may include transferring one of the authorization codes to a payment terminal of the merchant in connection with completing the potential upcoming purchase.

The embodiment of the invention provides a payment processing method and device based on a long-short-term memory model, a medium and a program product. The method comprises the following steps: acquiring multi-period multi-source heterogeneous data associated with energy consumption, and determining a feature vector of the multi-period multi-source heterogeneous data; inputting the feature vector into a long short-term memory model integrated with an attention mechanism, and generating an energy consumption predicted value of a target time period by the long short-term memory model according to the feature vector; wherein the attention mechanism is used for dynamically adjusting weights of different types of data features in the process of generating the energy consumption predicted value; selecting a target payment strategy from a plurality of payment strategies based on the energy consumption predicted value and the required resources in combination with available resource margin of a resource storage account and current environment data; and executing the target payment strategy.

Methods and systems for processing trip-based insurance policies for vehicles. According to aspects, a trip-based insurance policy of a vehicle specifies an amount of trip units for insured vehicle travel and has an associated policy term. In certain cases, a customer may exhaust trip units before an expiration of the policy term. The methods and systems therefore enable the purchase of additional trip units so that the customer remains insured. In other cases, upon expiration of the policy term, an insurance provider may calculate an amount of unused trip units. The insurance provider may determine one or more types of credit that are based on the amount of unused trip units. The insurance provider may also apply the one or more types of credit to an account of the customer.

Systems and methods are disclosed for a pre-note process in an online communication. The method includes receiving a request from an access device. The request is processed to determine a request type and a request content. The pre-note process is initiated for the request based on the request type and the request content, wherein a pre-note includes access device information, a reference identification, and / or item details for categorization. The one or more items associated with the request are categorized into one or more categories based on the pre-note. The request is executed based on one or more categories.