391results about "Pre-payment schemes" patented technology

Blockchain synchronization and point-of-sale integration systems are provided in a packet-switched computer network. The POS interfaces through the network with a consumer smartphone and a blockchain validation device. The POS shares a session identifier with the blockchain validation device by transmitting a graphic encoding of a payment request and the session identifier to the smartphone. The camera of the smartphone is configured with an image of the graphical encoding. A payment instruction is encoded to conform to the payment request including the session identifier and is transmitted to the blockchain validation device. The blockchain validation device performs a verification of the correctness and authenticity of the payment instruction encoded in the data record. The POS device receives a confirmation that the correctness and authenticity of the payment instruction encoded in the data record to confirm it has been verified.

A self-service controlled dispensing system includes a mobile device configured to verify an age or identity of a user and secure a user account with biometric validation, creating a digital identification based on the verified age or identity, identify one or more controlled dispensing machines in proximity to the mobile device, receive a user selection of a first controlled dispensing machine of the one or more identified controlled dispensing machines, and receive a user request to send a payment to the first controlled dispensing machine. In response to the user request to send the payment to the first controlled dispensing machine, the mobile device validates the user with a biometric check, and transmits the payment and a verification credential corresponding to the digital identification to the first controlled dispensing machine, enabling the first controlled dispensing machine to dispense a controlled product or service to the user.

Blockchain synchronization and point-of-sale integration systems are provided in a packet-switched computer network. The POS interfaces through the network with a consumer smartphone and a blockchain validation device. The POS shares a session identifier with the blockchain validation device by transmitting a graphic encoding of a payment request and the session identifier to the smartphone. The camera of the smartphone is configured with an image of the graphical encoding. A payment instruction is encoded to conform to the payment request including the session identifier and is transmitted to the blockchain validation device. The blockchain validation device performs a verification of the correctness and authenticity of the payment instruction encoded in the data record. The POS device receives a confirmation that the correctness and authenticity of the payment instruction encoded in the data record to confirm it has been verified.

A system includes an interface, and a management system. The interface includes an encryption component. The management system is configured to generate a digital voucher in response to receiving a request from a user via the interface. The encryption component facilitates an authentication of the user and an authorization of the user prior to submitting the request to the management system. The digital voucher facilitates a supply chain transaction between a seller and a buyer.

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 provides a rural water supply special-purpose load type IC card intelligent water meter and a remote payment method. The method comprises the following steps: a user confirms a water meter account through a recharging program of an intelligent terminal and inputs a recharging amount through the recharging program, and the recharging program sends a water meter account recharging request after successful payment; the water meter account recharging request is subjected to data caching in the local server; after the water meter account recharging request is sent to the local server, the balance is updated in response to the water meter account recharging request of the user based on asynchronous processing of the message queue; the local server selects a communication network according to a network communication condition, and when a communication signal of the narrowband Internet of Things is unqualified, a 5G network is started as an alternative link; waking up the power supply of the transfer machine according to the communication instruction of the local server, and starting the transfer machine; and the transfer machine receives the payment amount sent by the local server. The system comprises a data caching module, a network communication module and a payment transfer module. According to the invention, efficient, reliable and convenient recharging experience is realized.

The invention provides a charging pile reservation intelligent regulation and control method and system, and belongs to the technical field of new energy vehicle charging operation management, and the method comprises the steps: determining the vehicle charging emergency degree based on the current vehicle information and user demand information when a charging reservation request is detected; based on the number of the current idle charging piles and a preset charging pile scarcity degree threshold value, the scarcity degree of charging resources corresponding to the target charging station is determined; determining a power grid load degree based on the current power grid load information; generating charging strategy information based on the vehicle charging emergency degree, the scarcity degree of the charging resources and the power grid load degree, or determining the charging strategy information corresponding to the target vehicle through the reserved charging priority corresponding to the target vehicle based on the vehicle charging emergency degree and the current idle charging pile number; and guiding the user to select charging appointment time according to the charging strategy information. Reasonable reservation charging can be carried out, the utilization rate of the charging piles in the charging station is improved, and resource waste is reduced.

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.

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 relates to the technical field of card management, in particular to a prepaid card management method and system based on artificial intelligence, and the method comprises the following steps: S1, carrying out the collection and feature analysis of the balance and consumption behavior data of a user; s2, merchant preferential information collection and feature modeling; s3, intelligently generating a user balance incentive rule; and S4, matching and optimizing the merchant preferences and the user demands. According to the invention, the possible consumption intention of the user can be predicted according to the specific consumption behavior of the user, and the incentive measure for balancing the use of the balance of the user is automatically triggered at a proper time, so that the interaction between the merchant and the user is optimized, the acceptability and the use frequency of the user to the preferences of the merchant are improved, and the consumption conversion rate of the merchant is effectively increased. And the overall user experience of the prepaid card system is further enhanced.

The invention discloses a virtual resource processing method and device, electronic equipment and a storage medium, and the method comprises the steps: displaying a message page of a target game through a first graphical user interface, the message page comprising at least one resource selling message; in response to a trigger operation for a target resource selling message in the at least one resource selling message, purchasing a target first virtual resource associated with the target resource selling message; and allocating the right to use the target first virtual resource to the first player account of the current player based on the purchase result. According to the method and the device, a buyer player can select the target virtual resource to be purchased in real time through the message page for purchase operation, so that the virtual resource can be quickly purchased; according to the method and the device, the requirements of players for more virtual resource transaction modes are met, the interactive modes of the players during virtual resource transaction are enriched, the requirements of the players for multi-aspect virtual resource transaction are met, and the use experience of the players is improved.

The invention discloses a rental and income calculation method and device for a rental service, which can be applied to the financial field, and comprises the following steps: determining a calculation mode of the rental and the interest rate of the rental service, and if the calculation mode is financing rental pricing calculation, determining the calculation mode; if the calculation mode is operational lease pricing calculation, a rent schedule and income information of the lease service product are calculated according to first machine account information of the lease service product, and the first machine account information comprises a rent payment mode, call information, delivery information, a rent payment scheme and financial and transaction clause information; if yes, a rent schedule and income information of the rental service product are calculated according to second machine account information of the rental service product, and the second machine account information comprises basic information, a rent payment mode and financial transaction clause information of the rental service product. Therefore, the rent schedule and the income information can be automatically calculated, manual calculation is not needed, errors of manual calculation are avoided, and the calculation efficiency is improved.

A payment processing device, a payment processing system, a payment processing method, and a program that can improve the convenience when using a prepaid card. [Solution] A payment processing device comprising an information management unit that links and manages prepaid card information, which is information regarding a user's prepaid card, with the user's electronic money balance, and a payment processing unit that performs payment processing using the user's electronic money balance when making a payment using the user's prepaid card at an affiliated store where the prepaid card can be used.

The invention discloses a state commitment-based cross-fragment transaction method, a terminal, a medium and a program product in the field of information security, and the method comprises the steps: setting an asynchronous prepayment account in a target fragment, distributing a certain amount for the prepayment account in advance, and converting a cross-fragment transaction into a transaction in the target fragment; transactions are executed in the target fragment, whether transactions in all related fragments conform to rules and conform to the rules is verified through a batch transaction verification mechanism, and the correctness and integrity of the transactions are ensured; a hierarchical state storage structure is adopted to optimize data storage and reading involved in transaction execution, and an account state variable quantity involved in recent transactions is stored through a variable quantity partial state tree in chain storage; and the under-chain storage is used for storing a complete state tree and related proof. According to the state commitment-based cross-fragment transaction method provided by the invention, the transaction execution efficiency is remarkably improved, and the calculation amount and the storage overhead in the verification process are reduced.

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.

The invention relates to the technical field of digital product data processing, and discloses a digital product recharging and selecting system which comprises a data acquisition module, a feature extraction module, a score calculation module, a score compensation module and a commodity recommendation module. Compared with the prior art that a digital product is subjected to static recommendation only based on historical consumption behaviors of a user, and particularly, real-time dynamic optimization recommendation cannot be realized under the condition of rapid change of user preferences or cold start of new commodities, the method and the device have the advantages that the user behavior feature sensitivity index and the real-time interaction behavior are combined, so that the real-time dynamic optimization recommendation can be realized; according to the method, the weight of the recommendation model is dynamically adjusted, accurate capturing of user requirements and real-time updating of the recommendation sequence are achieved, therefore, the problems that in a traditional recommendation system, recommendation results are homogenized, and the real-time performance is insufficient are solved, and the accuracy of digital product recommendation is improved.

A pre-processing and fulfillment system and method are described. In some implementations, the method may include receiving an order containing a retail component and a pharmacy component, processing the order for the pharmacy component and the retail component, and generating a tracking token identifying the order and authorizing a party to receive a component of the order. The method may include transmitting fulfillment instructions to a fulfillment system based on processed information for the order, and transmitting the tracking token to a computing device of the authorized party. Some implementations may also include receiving a signal indicating receipt of the tracking token and an authorized transfer of the component, and updating a status of the order based on the received signal.

A method includes: controlling a prefunded account of an issuer system by a transaction processing system; receiving first transaction requests associated with first transactions initiated by first payment devices issued by the issuer system; for each first transaction: determining that the issuer system issued a corresponding first payment device; determining an accumulated authorization amount; determining that the accumulated authorization amount does not satisfy a threshold based on the prefunded amount; and generating and communicating an authorization request associated with the corresponding first transaction to the issuer system; receiving a second transaction request associated with a second transaction initiated by a second payment device issued by the issuer system; in response to receiving the second transaction request, determining that the issuer system issued the second payment device; determining an updated accumulated authorization amount; determining that the updated accumulated authorization amount satisfies the threshold; and automatically declining the second transaction.

A system and method that utilizes funds associated with one or more gaming establishment accounts maintained for a user to procure one or more pre-paid cards associated with a retailer and used to complete one or more purchases of goods and / or services from the retailer. To facilitate the use of pre-paid cards, the system and method automatically issues (if needed) and funds one or more pre-paid cards which are then used by the system to complete a retail purchase.

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 discloses a data processing method and device, equipment, a computer storage medium and a program product. The method comprises the following steps: receiving a remittance and recharging request for the prepayment card; performing identity verification on the user who initiates the remittance and recharge request; under the condition that verification is passed, collection account information, collection mechanism information and an international unique identifier of a collection mechanism corresponding to the prepaid card are provided, and the collection account information, the collection mechanism information and the international unique identifier corresponding to the prepaid card are used for a remittance account to remit money to a collection account corresponding to the prepaid card. The remittance account is an overseas account; and receiving a remittance recharging response for the prepaid card, and generating a remittance recharging result of the prepaid card, thereby solving the problems of complex operation and high fund storage difficulty when overseas people use the prepaid card.

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 utility model provides an integrated intelligent pipeline direct drinking water system which comprises a water production chamber, an internet of things remote control cabinet, a raw water tank, a water production module, a water supply module, a heat preservation module and a dehumidification module, the heat preservation module is used for adjusting and controlling the environment temperature in the water chamber, and the dehumidification module is used for adjusting and controlling the environment humidity in the water chamber. The raw water tank is used for providing a water making source for the water making module, the water making module comprises a raw water first-stage filtering system, a raw water second-stage filtering system and a raw water third-stage filtering system, and the first-stage filtering system, the second-stage filtering system and the third-stage filtering system sequentially filter the water source provided by the raw water tank; the water supply module comprises a pure water tank, a water supply filtering and sterilizing module, a low-area water supply system, a middle-area water supply system, a high-area water supply system and a return water filtering and sterilizing system. The pipeline direct drinking water system is low in investment cost, small in occupied area and capable of achieving intelligent operation and management of water production.

A method for facilitating cardless transaction processing, including receiving a request for checkout, determining if a balance is sufficient, providing a frictionless payment option to a user, receiving a valid access token, receiving a valid bearer token, sending a payment request to a third party administrator, and processing the payment request.

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.

To manage a purpose restriction balance as a balance that can be used in electronic settlement.SOLUTION: An information processing apparatus comprises: a setting unit that sets a purpose restriction balance, in which a purpose is restricted, being different from a normal balance, in which a purpose is not restricted, as a balance being usable in settlement using a terminal device; and a management unit that individually manages the normal balance and the purpose restriction balance. In another point of view, the information processing apparatus comprises: an issuing unit that issues a prepaid card which is applicable for settlement using the terminal device; and a management unit that individually manages a balance of settlement using the terminal device and a balance of the prepaid card.SELECTED DRAWING: Figure 1

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.

The invention discloses a prepaid consumption supervision system and method based on big data and a storage medium, and relates to the technical field of big data analysis, the system comprises the following components: a merchant information management module, a fund supervision module, a risk monitoring module, a consumption service module and a data analysis module; according to the invention, the comprehensive supervision system covering merchant information management, fund supervision, risk monitoring, consumption service and data analysis is constructed, so that the whole-process supervision of prepayment consumption from merchant settlement to consumption refund is realized, the safety of prepayment funds of consumers is ensured, the problems of'fee storage running 'and the like are effectively avoided, and the safety of the consumers is ensured. In addition, potential risks are identified and prevented in advance through a risk prediction model and a real-time early warning mechanism, the initiative and timeliness of supervision are remarkably improved, and meanwhile, through application of a data analysis module, deep market insight is provided for supervision departments.

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.