38results about How to "Reduce capital risk" patented technology

The invention discloses a supply chain finance application method based on block chain alliance chain technology Hyperledger. The whole structure of the invention is reasonable, the business data of the buyer and the seller are directly linked, the authenticity of the transaction data in the supply chain is ensured, the distrust of the data inconsistency among the parties is reduced, the complicated process and operation of the data repeated confirmation are avoided, the transparency of the transaction and the transparency of the data are ensured, and the basic guarantee is provided for effective supervision. In the supply chain financial business, the transaction data are mostly transformed into effective assets. After the whole transaction process is linked, the problem of repeated pledges of the buyer and seller enterprises to multiple parties is effectively eliminated, and the transaction safety and transparency are guaranteed. The whole process business data and related transaction data recorded by block chain super book are trustworthy, reliable and unalterable shared and distributed book system, which is guaranteed by time stamp, hash algorithm, encryption algorithm, P2P network technology, consensus algorithm and other technologies, but can not be tampered with.

The invention is suitable for the field of electronc commerce technology, and provides a method and a system for Internet payment.The method comprises the following steps: a first type client terminal sends application information to an Internet payment server to apply a commitment payment information data package; based on the application information, the Internet payment server generates and sends a temporary commitment payment information data package to a first type bank server; the first type bank server verifies the temporary commitment payment information data package; and if verifies successively, the first type bank server generates a commitment payment information data package based on the temporary commitment payment information data package, carries out fund freezing and sends fund freezing information to a second type bank server. According to the invention, for a payment clinet, fund is just frozen and needs not to be paid, so fund risks are reduced and benefit of the payment client is ensured.

The invention discloses a real estate transaction tax integrated house price evaluation method. The method comprises the following steps: establishing the relationship among the land level, the house type and the average house price of a section according to house transaction price data; determining the average price corresponding to the house type and land level of a house to be evaluated according to the relationship among the land level, the house type and the average house price of the section; determining the service life and the residual rate corresponding to the building structure of the house to be evaluated according to the correspondence among the building structure, the service life and the residual rate of the house, and determining a corresponding newness rate parameter according to the service life, the residual rate and the serviced life of the house to be evaluated; determining a corresponding tax unit price according to the average price, the newness rate parameter, a correction coefficient table and the amount of money for correction of the house to be evaluated, and calculating the evaluated price of the house according to the tax unit price and the construction area of the house to be evaluated.

The invention discloses a same fund management server-based payment system, method, device and server, and belongs to the field of e-commerce. The method comprises the following steps of: receiving payment request information sent by a client by a fund management server; comparing the sum of a fund balance and a credit extension loan limit of the client with a payment amount, so as to judge whether an electronic underwrite document can be given or not; if the judging result is positive; respectively freezing the fund balance and the credit extension loan limit, in an account of the client, corresponding to the payment amount by the fund management server; and generating the electronic underwrite document indicating that the fund management server promises to pay the fund according to an appointed condition, sending the electronic underwrite document to a commercial tenant end to replace the client to carry out credit underwrite, and synchronizing the electronic underwrite document to an information center server. By adopting such a technical scheme, the two trading parties are supervised so that the fund risk can be reduced and then the benefits of the two trading parties are ensured.

The invention provides an account checking early warning method and apparatus of inter-bank payment, computer equipment, and a storage medium. The early warning method comprises: an account checking message type, an aggregate initiating amount, and an aggregate receiving amount of a day checking message of a bank are obtained; according to an account checking date and the account checking messagetype, statistics and collection of aggregate vostro account amounts corresponding to all account checking message types of an inter-bank payment system are carried out; whether the aggregate vostro account amounts conforms to the aggregate receiving amount is determined; if not, statistics of abnormal amounts of all businesses is carried out; whether a sum of the sum total of all abnormal amountsand the aggregate vostro account amounts conforms to the aggregate receiving amount is determined; and if so, all account checking messages conforming to an incoming message and abnormal details causing unconformity of the aggregate vostro account amounts and the aggregate receiving amount are displayed. Analysis and positioning are carried out in different business scenes, so that factors causingaccount checking unconformity are located conveniently and rapidly and thus the fund risk of the bank is reduced.

The invention discloses a payment system, a payment method therefor, a payment device therefor that are all based on the same money management server and the money management server and belongs to the field of electronic commerce. The method comprises the following steps: a money management server receives a payment request information sent from a client end, and whether an electronic committed payment voucher can be issued can be determined via comparison between client end fund balances and a payment amount; if the electronic committed payment voucher can be issued, the money management server freezes an amount, corresponding to the payment amount, of the fund balances in a client end account; the electronic committed payment voucher of the money management server committing to pay according to agreed terms is generated; the electronic committed payment voucher is sent to a merchant end so as to make credit commitment payment on behalf of the client end. Via use of the payment system, the payment method therefor, the payment device and the moneymanagement server, fund risk can be lowered while both transaction parties are supervised, and interests of both of the transaction parties can be guaranteed.

The invention discloses a cross-fund management server-based payment system, method and apparatus as well as a server, and belongs to the field of e-commerce. The method comprises the steps of receiving payment request information sent by a client through a second fund management server; comparing a sum of a fund balance and a credit extension loan amount of the client with a payment amount and judging whether an electronic commitment payment document can be issued or not; if yes, freezing the fund balance and the credit extension loan amount, corresponding to the payment amount, in a client account by the second fund management server; and generating the electronic commitment payment document on that the second fund management server is committed to paying fund according to agreed terms, and sending the electronic commitment payment document to a merchant end for performing credit commitment payment instead of the client. With the adoption of the technical scheme, two trading parties are supervised to lower the fund risk and guarantee the benefits of the two trading parties.

This invention discloses one bank card with only one card number with multiple account number, which is located with magnetic bar to store one outer number, one inner number and bank card outside fund and inner funds information and stores one outer number, one inner number and one alarm numbers and outer funds information and inner funds information on the magnetic bar. This invention is through multiple account number and once the card is lost, the codes are stolen with only limit funds lost.

The invention discloses a processing method for acquiring target data, a server, terminal equipment and an online financing method. The processing method for acquiring the target data comprises the following steps that: a first terminal initiates a request of acquiring target data to a first server; the first server acquires a first data credential which represents a data value sum equal to a data value of the target data according to the request, and transmits the first data credential to a second terminal, wherein the first data credential includes information of the target data, and the information of the target data includes description information of the target data and the data value of the target data; the second terminal receives the first data credential, and detects the information of the target data; and the first server adds identification information of the second terminal in the first data credential when the second terminal detects that the information of the target data conforms to a predetermined requirement, and transmits the first data credential to a third terminal. Through adoption of the processing method, the server, the terminal equipment and the online financing method, the network data interaction security can be enhanced.

The invention discloses a payment system based on the same server, a payment method and device for the payment system and a server, and belongs to the field of electronic commerce. The method comprises the steps: enabling a fund management server to receive payment request information transmitted by a client; enabling the sum of the credit overdraft limit and credit extension loan limit of the client to be compared with a payment amount, and judging whether an electronic payment acceptance voucher can be given or not: enabling the fund management server to block the credit overdraft limit and credit extension loan limit, corresponding to the payment amount, of the client if the electronic payment acceptance voucher can be given; generating the electronic payment acceptance voucher that the fund management server promises to unblock the fund according to the terms of the engagement, transmitting the electronic payment acceptance voucher to a merchant terminal for credit payment for the client, and synchronizing the electronic payment acceptance voucher to an information center server. According to the technical scheme, the method carries out the supervision of two transaction sides, can reduce the fund risks, and guarantees the benefits of the two transaction sides.

The invention discloses a same fund management server-based payment system, method, device and server, and belongs to the field of e-commerce. The method comprises the following steps of: receiving payment request information sent by a client by a fund management server; comparing the sum of a credit overdraft limit and a credit extension loan limit of the client with a payment amount, so as to judge whether an electronic underwrite document can be given or not; if the judging result is positive; respectively freezing the credit overdraft limit and the credit extension loan limit, in an account of the client, corresponding to the payment amount by the fund management server; and generating the electronic underwrite document indicating that the fund management server promises to pay the fund according to an appointed condition, and sending the electronic underwrite document to a commercial tenant end to replace the client to carry out credit underwrite. By adopting such a technical scheme, the two trading parties are supervised so that the fund risk can be reduced and then the benefits of the two trading parties are ensured.

The invention discloses a same fund server-based payment system, method, device and server, and belongs to the field of e-commerce. The method comprises the following steps of: receiving payment request information sent by a client by a fund management server; comparing the sum of a credit overdraft limit, a credit extension loan limit and a fund balance of the client with a payment amount, so as to judge whether an electronic underwrite document can be given or not; if the judging result is positive; respectively freezing the credit overdraft limit, the credit extension loan limit and the fund balance, in an account of the client, corresponding to the payment amount by the fund management server; and generating the electronic underwrite document indicating that the fund management server promises to pay the fund according to an appointed condition, and sending the electronic underwrite document to a commercial tenant end to replace the client to carry out credit underwrite. By adopting such a technical scheme, the two trading parties are supervised so that the fund risk can be reduced and then the benefits of the two trading parties are ensured.

The invention relates to the field of computers, in particular to an information processing method, an information processing device, a computer readable storage medium and electronic equipment. The method comprises the steps: acquiring a plurality of item elements and first associated resources corresponding to error account information according to an account information adjustment mode; generating standard account information according to the plurality of project elements, and calculating a second associated resource corresponding to the standard account information; and determining account information adjustment resources according to the first associated resources and the second associated resources. Therefore, the problem of low account adjusting efficiency is solved.