126results 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.

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.

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 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.

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.

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.

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.

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.

A method for pre-authorization of a payment transaction using a tokenized credential includes: receiving a first data set signed with a first digital signature and including an acquirer identification value and a second data set; verifying the first digital signature using a first public key of a first cryptographic key pair associated with the acquirer identification value; extracting from the first data set a second data set including a merchant identification value and a third data set in response to verifying the first digital signature; extracting from the second data set a third data set including an issuer identification value and transaction data; identifying an issuing computing system based on the issuer identification value; and sending a fourth data set including the first data set and the steward identification value to the issuing computing system.

The application discloses an NFC recharging method and device, relates to the field of terminals, and aims at improving the NFC recharging efficiency. The specific scheme is as follows: receiving a payment command sent by an NFC card swiping device; in response to the payment command, sending an account balance corresponding to the NFC card swiping device in a terminal to the NFC card swiping device; receiving a payment data packet sent by the NFC card swiping device, the payment data packet being used for indicating that the account balance is insufficient, and the payment data packet comprising a first amount value; and recharging a second amount value to the account, so that the account balance after the recharging is greater than or equal to the first amount value.

A method of processing a financial transaction includes: acquiring, by a second terminal used by a store, first information related to a reservation of a financial transaction accepted by a first terminal; acquiring, by the second terminal, second information related to a payment for a product or service by a user who reserved the financial transaction; and performing, by the second terminal, a cash transaction based on the first information on the reservation when executing a payment process based on the second information.

A system is provided.SOLUTION: A system comprising means for detecting that a prepaid SIM is inserted, means for acquiring contact information of a user related to the prepaid SIM, means for transmitting a message including a download link based on the contact information, means for downloading an application from the download link and installing the application in a device of the user, means for subtracting a fee from a balance of the prepaid SIM when the installed application is first activated, means for generating sightseeing information using a generative AI based on a request of the user, and means for displaying the generated sightseeing information on the device of the user.SELECTED DRAWING: Figure 1

Systems and methods are disclosed for data processing, data verification, and categorization of items. The method includes receiving a request from a first sub-system, wherein the request includes a plurality of data associated with an access device. Determining the first sub-system and / or the access device has the authorization to access a service. Determining contextual data of one or more purses associated with the access device and / or status of the first sub-system, wherein the contextual data includes an expiration date and / or rules associated with the one or more purses. Transmitting the request to a second sub-system based on the contextual data and / or the status of the first sub-system for categorizing one or more items associated with the request into one or more categories. Executing the request based on one or more categories.

This invention discloses a smart locker recharge reminder device, method, computer equipment, and storage medium. The method involves: acquiring the action detection results corresponding to the first smart locker during its use; ensuring the IoT card installed in the first smart locker cannot monitor data usage; when the action detection results include data consumption actions, acquiring the data usage reference value corresponding to the data consumption action, and determining the data usage value of the IoT card based on the data usage reference value; acquiring the total data usage value of the IoT card, and determining the remaining data usage value of the IoT card based on the total data usage value and the data usage value; acquiring a preset data usage warning threshold for the IoT card, and sending a data usage recharge reminder to the client associated with the first smart locker when the remaining data usage value is less than the preset data usage warning threshold. This invention improves the efficiency and accuracy of providing data usage recharge reminders for IoT cards in smart lockers that cannot monitor data usage.

Systems, methods, and apparatus are provided for actuating an executable file based on data derived from a set of documents.A first processor associated with a user account may receive input of a first document having a first format and a second document having a second format. The second format may be different from the first format. A second processor associated with the user account may receive an executable file in a standardized format including a set of parameters derived from the first document and the second document. Based on the set of parameters, the second processor may automatically trigger execution of the file.

Systems and methods are provided for reversing one or more network interactions. One example computer-implemented method includes receiving, from a first acquirer, an authorization message associated with a network interaction, which includes a transfer from a payor account to a payee account. In connection therewith, the authorization messaging is consistent with a first message standard, and the payee account is issued by a second acquirer. The method also includes communicating the authorization message to an issuer of the payor account and initiating a timer for the network interaction. The method then includes, in response to expiration of the initiated timer, without a response message specific to the network interaction, generating and communicating, to the first acquirer, a timeout response message for the network interaction consistent with the first standard.

Systems and methods are shown that include a method comprising one or more processors configured to perform operations including: a transaction system wherein value (v) is paid for by the advance (a) that is value less interest or discount (i) wherein the advance earns interest or discount leading to the delivery of the value by the advance and the interest or discount [v−i=a]. Better: price for the customer, and cash flow for supplier. In this way people in the world are helped to feel good energetically and are helped materially to feel good at the same time.

To actually improve the convenience of electronic settlement.SOLUTION: A settlement system including an application program that operates in a customer terminal having an NFC function and a settlement server that communicates with the application program, the application program causing the customer terminal to transmit a tag ID to the settlement server when the tag ID is acquired by the NFC function from an NFC tag that is installed in a shop and stores the tag ID capable of recognizing at least a part of the shop, shop settlement terminals installed in the shop, and affiliated shops to which the shop belongs, in the settlement system, the settlement server transmits the settlement information corresponding to the tag ID received from the application program to the application program, and the application program causes the utilizer terminal to display the settlement information and accept an operation of settlement approval by the utilizer.SELECTED DRAWING: Figure 8

To provide a system for real-time settlement of the amount borne by a company and the amount borne by an individual when paying expenses. [Solution] The information processing device 300 acquires information regarding the amount an employee pays to a store and the purpose of the payment, and in an electronic wallet where payments are made with the employee's electronic money and points awarded by the company to which the employee belongs, determines the portion of the acquired amount to be paid with the points and the portion to be paid with the electronic money based on the acquired information regarding the purpose of use, stores the electronic wallet identification information, the electronic money balance, and the point balance in an electronic wallet information storage unit in association with each other, and manages by deducting the electronic money balance and the point balance stored in the electronic wallet information storage unit based on the determined information regarding the portion to be paid with the points and the portion to be paid with the electronic money regarding the amount to be paid by the employee to the store.

The invention discloses a method for risk management and control after a water transportation platform draws a freight in advance, and relates to the technical field of water transportation logistics finance, risk control is extended to be after pre-drawing, a comprehensive risk level is generated through continuous monitoring, fusion of repayment capability, operation stability and abnormal behavior three-dimensional scoring, dynamic quota adjustment is linked, and the risk management and control efficiency is improved. The method has the advantages that the risk control link is extended from only one-time auditing before loaning to after a ship owner takes the freight in advance, static evaluation is replaced by continuous monitoring, and the risk control efficiency is improved by combining the business characteristics of the water transportation industry. A multi-dimensional risk assessment system covering repayment behaviors, operation states and abnormal behaviors is constructed, hidden risk signals such as operation deterioration and repayment abnormity are actively captured instead of being passively handled after overdue or bad debts occur, and the defects that in the prior art, risk identification lags behind, and dynamic monitoring means after taking is lacked are effectively overcome.