293results 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.

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.

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 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 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.

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.

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.

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.

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 invention discloses a fund distribution method and equipment based on a battery replacement service, and a medium, and belongs to the technical field of fund distribution. The method comprises the steps of obtaining a payment voucher of a battery replacement vehicle; wherein the payment voucher comprises a payment address, a payment amount and a payment channel; based on the payment amount and the payment channel, determining an account change condition of the battery replacement vehicle; matching a preset sub-account database based on the payment address so as to determine a sub-account type of a battery swap station where the battery swap vehicle is located; and based on the separate account type and the payment amount, determining an account change condition of the battery swap station. According to the method, the fund division type can be determined according to the information of the user and the battery swap station, and the fund is divided in real time after the user pays the fee.

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.