25 results about "Advance payment" patented technology

The invention discloses a risk assessment method and device, equipment and a storage medium. The method comprises the following steps: determining a risk assessment model, a preset advance rule and advance request data; determining a target score of the advance request data according to a risk assessment model and a preset advance rule; and performing risk assessment on the advance request according to the target score, and determining an approval decision. According to the technical scheme of the invention, through the preset risk assessment model and the preset advance rule, the target score of the advance request data is determined, risk assessment is performed on the advance request according to the target score, and an approval decision is made, so that manual intervention is reduced, the real-time performance and accuracy of the risk assessment of the advance request are improved, and the security of fund advance is ensured. The satisfaction degree and the business conversion rate of the insurance advance service are enhanced, and a safe, reliable and efficient risk management solution is provided for the commercial insurance advance service.

This application provides a method and apparatus for processing funds data. In this scheme, after a third-party advance payment institution advances funds to a target customer, it can apply for the advance payment funds through a factoring service platform. Since the target customer is a customer authorized by the payment institution platform to have the factoring service platform deduct the advance payment funds from the target customer's claim amount, after the payment institution platform receives the insurance claim funds paid by the insurance institution to the target customer, the factoring service platform can initiate an advance payment deduction application to the payment institution platform. This allows the payment institution platform to deduct the target amount corresponding to the advance payment funds from the target customer's insurance claim funds and transfer the funds to the factoring service platform. Consequently, the factoring service platform can obtain the corresponding repayment of the advance payment funds. This avoids the third-party advance payment institution obtaining repayment by pursuing the advance payment funds from the customer, reduces the complexity of recovering the advance payment funds, and improves the security of funds.

Methods and systems are provided for making a pre-payment. In some embodiments, a user is provided with a mobile wallet; information populating at least one payment instrument to the mobile wallet is received; information that the mobile wallet is usable with respect to the vehicle is received; information that the mobile wallet has been presented by the vehicle to a payment location is received; an authorized pre-payment corresponding to items or an amount associated with the payment location is received; a token is received from the user at the payment location; and the pre-payment is settled using the payment instrument.

The invention discloses a multi-vehicle cycle quota weekly settlement advance payment method and system based on ETC toll, and belongs to the technical field of ETC management. The multi-vehicle ETC terminal, the identity information and the passing line are planned as a whole, and a quota association record is constructed according to the line; taking a vehicle as a quota management node, capturing fee deduction and calculating a cycle quota use ratio; dividing a weekly settlement period by day, and generating and updating a limit management node set; and based on the group data calibration ratio interval, evaluating the liquidation urgency degree and generating a priority liquidation table. According to the invention, multi-vehicle quota dynamic circulation management is realized, idle quota can be flexibly allocated in combination with the passing demand of each vehicle, high-occupancy and high-risk vehicles are preferentially handled through settlement urgency assessment, overdue caused by waiting for a fixed period is avoided, low-occupancy vehicles can be uniformly settled in weekly settlement days, the capital turnover pressure is reduced, and the efficiency is improved. The method is suitable for multi-vehicle operation scenes such as logistics motorcades and vehicle rental enterprises.

To reduce a burden on an employee in adjustment processing when refund processing of change is not performed.SOLUTION: An information processing apparatus according to the present disclosure includes a collection unit that collects a plurality of pieces of change data indicating a change amount calculated from an amount of advance payment received from a user and an amount of a purchase price purchased by the user, a refund processing unit that performs, when any of a plurality of identification tags on which the plurality of pieces of change data are respectively recorded is read, a change refund process based on the change data on the read identification tag, a storage processing unit that stores, in a storage unit, unprocessed change refund information corresponding to change data on which the change refund process is not performed when a daily checkout process is performed, and a depositing transaction creation unit that creates a depositing transaction using the unprocessed change refund information.SELECTED DRAWING: Figure 1

The invention relates to a system and method for processing air-time advances / credits to be used by subscribers of communication networks (temporary and permanent provision of air-time advance, as well as such advance for use of additional services available in the network), subscribers of mobile and other communications, including IP-telephony, with the further advance repayment at the moment of balance top-up, or at the moment of payment for communication services in any other way. Said invention allows the large number of subscribers of a communication network to obtain an air-time advance / credit by sending a conditional request, formed by a client (or on behalf of the client), for obtaining of such airtime advance / credit. The request is being inputted by the means of electronic communication device (including mobile phone, computer and / or any other terminal enabling transmission of a conditional request) and transmitted to at least one server of data processing system for carrying on and processing a transaction and further informing the subscriber about the transaction.

The present invention relates to an inter-enterprise e-commerce system and method, and enables e-commerce activities of small retailers with weak payment ability by supporting small retailers with weak e-commerce capabilities through a support center that supports small retailers, and by guaranteeing the payment of small retailers through a credit guarantee company's credit guarantee, thereby enabling advance payment to suppliers.

The embodiment of the invention discloses an entity scene payment method and device, equipment, a medium and a product, and relates to the technical field of financial science and technology. The method comprises the steps of determining a signing state of a target user in response to a completion instruction of a target order of the target user; when it is determined that the target user is successfully signed, determining whether the target user is a preset user; under the condition that the target user is determined to be the non-preset user, carrying out advance payment for the target order based on the target account; and in response to the condition that the total amount of the advance payment of the target user is greater than a set advance payment threshold, sending a repayment instruction of the advance payment to the target user, so that the target user pays the advance payment. According to the scheme provided by the embodiment of the invention, payment can be quickly carried out under the condition that the order is completed, the phenomena of payment congestion and the like are avoided, the user experience is improved, and meanwhile, a guarantee is provided for avoiding fund loss.

To provide a payroll advance payment service device that enables employees to use the payroll advance payment service fairly. [Solution] A salary advance service device (10) that enables advance payments of regular salaries to employees from an employer's account, comprising a communication unit (13) that communicates with an employer terminal (20) and an employee terminal (30), a memory unit (12) that stores employee information, contract information, and user information, a device that sets the receivable balance, which is the total amount of the advance payment, from wages calculated based on the employee's attendance information, notifies the accessing employee terminal of the receivable balance, transfers the amount of the advance payment specified by the employee terminal, the fee in the contract information, and an amount set based on the fee bearer, from the employer's account to the employee's account, updating the receivable balance, and if the balance in the employer's account is less than the account balance warning amount included in the contract information, notifies the employer terminal of the insufficient account balance.

To provide a buyer-side contactless payment system that enables contactless payment using an electronic device on the buyer's (consumer's) side. [Solution] The buyer-side contactless payment system 200 of the present invention comprises a receiving system 210, a buyer-side device 220, and a contactless payment tool 230. The receiving system issues a payment request for a transaction between a seller and a buyer. The buyer-side device includes at least a contactless module 221, a display module 222, and a card reader app. The buyer-side device receives a payment request 211 from the receiving system, executes the card reader app based on the payment request, displays a payment interface on the display module, and activates the contactless module, which detects the contactless payment tool and performs contactless payment. The payment request includes the consumption amount or prepayment amount.

The invention relates to an online car-hailing order advance decision-making method and system, and the method comprises the steps: firstly, calling order data of which payment is not completed in a current period from an order center, extracting loss rate influence factors in combination with corresponding driver side service data, and dividing the loss rate influence factors into a first type and a second type according to the influence level; inputting the factors into a loss rate model, marking the order as a non-advance order when any first type of factor is triggered, otherwise, calculating a loss rate based on a second type of factor, and dividing the order into a non-advance order, a to-be-manually-audited order or an advance order according to a relationship with a preset first loss rate threshold and a preset second loss rate threshold; the order to be manually checked is manually rechecked and the mark is updated, the advanced payment process is executed on the advanced payment order, and the result is fed back to the driver side, so that the intelligent and refined risk assessment of the single order is realized, and the advanced payment loss is reduced.

The application discloses a profit and income pre-distribution system and method based on a dynamic value algorithm, which distributes future profit income in the form of digital equity certificates to key contributors in advance, thereby locking supply and creating demand, the digital equity certificates can be used as a mortgage for "production loans" or "advance payment" paid to suppliers to lock production capacity. The equity certificates are given or sold, so that the consumption behavior is changed into "investment consumption", that is, the future success bonus of the purchased product is enjoyed, the method converts future market demand into a "demand option" that can be priced and traded through an algorithm, provides deterministic guidance and front-end capital for production, before production starts, a part of future profit is pre-distributed to production factor input parties and early demand parties according to simulated value flow, the after-distribution mode is changed, and capital, talents, technology and other factors can be guided to flow to the "new supply" field that can best create new demand through dynamic transaction conditions.

We provide a payroll advance service device that allows employees to use the payroll advance service fairly. [Solution] A salary advance service device 10 that enables advance payments of wages that are regularly paid to employees from the employer's account, comprising: a communication unit 13 that communicates with an employer terminal 20 and an employee terminal 30; a storage unit 12 that stores employee information, contract information and user information; a payable balance which is the total amount of advance payments calculated from labor wages based on the employee's attendance information; a notification of the payable balance to the accessing employee terminal; a transfer of the amount of advance payment specified by the employee terminal, a fee in the contract information and an amount set based on the person who bears the fee, from the employer's account to the employee's account to update the payable balance; and if the balance in the employer's account is less than the account balance warning amount included in the contract information, a notification of insufficient account balance to the employer terminal.

The present application relates to the technical field of digital currencies. Disclosed are a digital currency-based prepayment fund management method, an apparatus and a system. A specific embodiment of the method is applied to a merchant operating agency signing a prepayment fund service agreement with a target merchant and deploying one or more prepayment card smart contracts, and comprises: receiving a generation request for a prepayment card which indicates a target merchant, user information of the prepayment card, a prepayment amount and a prepayment card type; generating a payment order according to the prepayment amount and receiving a first digital currency for prepayment; generating a target prepayment card and a smart contract sub-wallet according to the target merchant, the user information of the prepayment card and the first digital currency, where the smart contract sub-wallet is set in the merchant operating agency and is bound to a prepayment card smart contract according to the prepayment card type; and storing a second digital currency corresponding to the target prepayment card in the smart contract sub-wallet. The embodiment disenables merchants to use prepaid digital currencies in advance, thus improving the transaction security of prepayment cards.

The present invention provides an information processing device, an information processing method, and a program that can reduce the processing time when an application for advance payment of invoices is submitted to an advance payment service. [Solution] The information processing device, in an invoice advance payment service that advances the payment of invoices, comprises: an advance payment application information receiving unit that receives advance payment application information for a payment business to apply for advance payment of the amount to be paid to the billing business; an acquisition unit that acquires an invoice relating to the amount to be paid by the payment business to the billing business; and an identification unit that identifies the billing business based on the business information contained in the invoice acquired by the acquisition unit.

The present invention provides an information processing device, an information processing method, and a program that can reduce the processing time when an application for advance payment of invoices is submitted to an advance payment service. [Solution] The information processing device, in an invoice advance payment service that advances the payment of invoices, comprises: an advance payment application information receiving unit that receives advance payment application information for a payment business operator to apply for advance payment of the amount payable to the billing business operator; a determination unit that determines whether or not the payment business operator and the billing business operator are registered on a platform that provides invoice advance payment services; and a review unit that reviews either or both of the payment business operator and the billing business operator based on the result of the determination unit's determination of whether or not the payment business operator and the billing business operator are registered.

The system according to the embodiment aims to automate the settlement of travel expenses and advance payments and prevent input errors. [Solution] The system according to the embodiment includes an acquisition unit, a management unit, and a settlement unit. The acquisition unit acquires the usage history of transportation-related cards, electronic payment systems, and corporate cards. The management unit centrally manages the data acquired by the acquisition unit. The settlement unit automates settlement based on the data managed by the management unit.

The application provides a financial checking system and method for a network car-hailing order, which comprises a front-end project based on an MVVM mode and a back-end platform based on a Flask MTV mode; the front-end project is used for sending a financial checking instruction input by a user through a user interaction interface to the back-end platform; the back-end platform is used for performing a financial checking operation in response to the financial checking instruction, obtaining financial checking data, and feeding back the financial checking data to the front-end project; and the front-end project is further used for displaying the financial checking data through the user interaction interface. Through the application, the payment, advance payment, price change and refund of instant orders, post-payment orders and reservation orders can be effectively dealt with through order numbers, the expected settlement data of account incomes and expenses of drivers, fleets, channels and companies and the like can be accurately calculated, the actual settlement data is compared, the one-key financial checking function is realized, the manual operation errors are reduced, and the accuracy and efficiency of account checking are greatly improved.

The invention provides a parking space reservation method and device, electronic equipment and a storage medium, and the method comprises the steps: receiving parking space reservation information; determining an advance payment amount matched with the parking space reservation information; generating and outputting a payment order containing the advance payment amount; and if it is detected that the payment order is settled, reserving the target parking space within a target time period required by the parking space reservation information. According to the method, the behavior of the user can be better restrained, the user is prevented from default, the vehicle can be better managed, and the utilization rate of the parking space can be improved.

The invention relates to the technical field of expressways and Internet of Things, in particular to an expressway toll pre-payment method. In order to solve the problems that an existing toll lane is low in passing efficiency and prone to congestion, the toll is paid in advance through cooperative work of ramp license plate recognition equipment, a pre-toll system, a mobile terminal pre-payment applet and a lane toll system. The system has the core advantages that the transformation cost is remarkably reduced, the license plate recognition equipment is deployed mainly based on the existing toll station ramp, the main line portal is used for trading data, and the high investment for constructing a special pre-trading portal and antenna equipment is avoided. The vehicle completes payment before driving into the lane, and the exit lane only needs to be checked quickly, so that the passing time of the single vehicle is greatly shortened, the passing efficiency of the toll station is effectively improved, and the system compatibility and popularization feasibility are good.

The present invention achieves both immediate sales confirmation and avoidance of advances.　An advance payment control unit 51 controls the execution of payment processing or securing of credit for the total amount of the consideration for the settlement method of an advance user. A split payment control unit 52 controls the execution of payment processing or securing of credit for the share amount of a splitting user with respect to the settlement method of the splitting user. A monetary sum reduction control unit 53 controls reduction of the monetary sum of payment processing or of securing of credit of the advance user in accordance with completion of the payment processing or the securing of credit for the splitting user. In this way, the seller side obtains 100% confirmation of the sale, and the advance user realizes substantial advance avoidance.

The invention relates to the technical field of financial data processing, and discloses an online insurance buying and claim settlement integrated processing method and system, and the method comprises the steps: building an initial risk vector for online insurance buying; when claim settlement is initiated, initializing a trust state vector based on the risk vector; in the claim settlement period, dynamically updating the trust vector according to the updating information, and calculating a trust scalar; calculating a pre-payment amount in combination with the trust scalar and the pre-estimated compensation amount, and paying the pre-payment amount to a specified account after the pre-payment amount is confirmed by the insured party; the system comprises a risk vector establishment module, a trust vector initialization module, a trust vector updating module, a trust scalar calculation module, an advance payment amount calculation module and an advance payment processing module. According to the invention, the dynamic trust evaluation model penetrating from the insuring stage to the claim settlement stage is constructed, and the model utilizes the state vector and the state space equation to realize continuous quantitative evaluation of the claim settlement risk and automatic and precise advance payment pricing decision.

The present invention provides an information processing device, an information processing method, and a program that can reduce the processing time when an application for advance payment of invoices is submitted to an advance payment service. [Solution] The information processing device, in an invoice advance payment service that advances the payment of invoices, comprises: an advance payment application information receiving unit that receives advance payment application information for a payment business to apply for advance payment of the amount to be paid to the invoiced business; a determination unit that determines whether or not the invoiced business is registered on another platform operated by the invoice advance payment service provider, which is different from the platform that provides the invoice advance payment service; and a review unit that reviews the invoiced business based on the result of the determination unit's determination of whether or not the invoiced business is registered.

The invention provides a financial checking system and method for online car-hailing orders. The system comprises a front-end project based on an MVVM mode and a rear-end platform based on a Flask MTV mode. The front-end item is used for sending a financial checking instruction input by a user through the user interaction interface to the back-end platform; the back-end platform is used for performing financial checking operation in response to the financial checking instruction to obtain financial checking data and feeding back the financial checking data to the front-end project; and the front-end project is also used for displaying financial check data through the user interaction interface. According to the invention, scenes of payment, advanced payment, price change, refund and the like of an instant order, a post-paid order and a reservation one-price order can be quickly and effectively handled through an order number, expected settlement data of account income and expenditure of a driver, a motorcade, a channel, a company and the like can be accurately calculated, and the expected settlement data is compared with actual settlement data, so that a one-key financial checking function is realized; manual operation errors are reduced, and the account checking accuracy and efficiency are greatly improved.

The application relates to the technical field of data processing, in particular to a financial management method and system based on big data, which comprises the following steps: S1, performing semantic-visual fusion cleaning and standardization processing on unstructured financial data of a small and medium-sized enterprise, and outputting a standardized financial data matrix; and S2, based on the standardized financial data matrix, combining ERP data and external supply chain credit data, and performing cash flow health degree prediction and supply chain payment strategy linkage; when the application is used, semantic-visual fusion cleaning is used to reduce the workload of manual arrangement of unstructured data, improve the data accuracy, and solve the pain points of difficult data entry, many errors and omissions of the small and medium-sized enterprise; through real-time cash flow health degree prediction, the small and medium-sized enterprise can identify the fund gap risk 7-30 days in advance, and passive supply interruption can be avoided; through a dynamic payment strategy, the overdue payment probability is reduced, the cooperation stability of the core supplier is improved, an advance payment discount can be obtained, and the procurement cost is reduced.