38 results about "Advance payment" patented technology

Advanced payment applications are provided to improve the functionality of cards and devices. For example, a user interface may be placed on a card (e.g., a physical button) or a telephonic device (e.g., a virtual button on a capacitive touch screen). Manual input provided to this user interface may, for example, cause a purchase to be paid by credit and points may be earned for the purchase. A different manual input may, for example, cause a purchase to be paid by credit and points not be earned for the purchase in exchange for one or more chances to win a prize in a random lottery. An instant winner functionality may be provided on a card. For example, a card may randomly become an instant winner based on, for example, time and / or use.

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.

To provide a program capable of facilitating management of advance payments for business partners and suppressing automatic issuance of invoices, an information processing device, and a method.SOLUTION: In an accounting system, a server performs the steps of: accepting input of the advance payment data received from a business partner by a user; registering the accepted advance payment data in association with the business partner and storing the data in a memory; accepting input of information related to the business partner from the user in order to input sales data concerning sales from the business partner of the user; determining whether advance payment data exists for the accepted business partner; when advance payment data exists, presenting the fact that an advance payment has been received from the business partner to the user and presenting application of the received advance payment to the user about the sales from the business partner of the user in a selectable manner; and when the advance payment is applied about the sales from the business partner, controlling the system so as to make the creation of an invoice related to the sales unselectable.SELECTED DRAWING: Figure 3

To provide a technique for facilitating management of advance payments received in a business system by facilitating the management of advance payments received from business partners and suppressing automatic issuance of invoices.SOLUTION: A server of a business system for storing business data regarding a user's business, executes, as functions thereof: a step (S121) of receiving text information including a question requesting advice regarding the user's business by input from the user; a step (S122) of analyzing the received text information and extracting the question regarding the user's business; a step (S123) of executing analysis by referring to the business data regarding the user's business and generating answer information that answers the question regarding the user's business; and a step (S124) of outputting the generated answer information.SELECTED DRAWING: Figure 5

To provide a technique for facilitating management of advance payments received in a business system by facilitating the management of advance payments received from business partners and suppressing automatic issuance of invoices.SOLUTION: A server of a business system for storing business data regarding a user's business, executes, as functions thereof: a step (S121) of receiving text information including a question requesting advice regarding the user's business by input from the user; a step (S122) of analyzing the received text information and extracting the question regarding the user's business; a step (S123) of executing analysis by referring to the business data regarding the user's business and generating answer information that answers the question regarding the user's business; and a step (S124) of outputting the generated answer information.SELECTED DRAWING: Figure 5

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.

The invention belongs to the field of parking lot management, and discloses a parking lot payment management method and device, electronic equipment and a storage medium, and the method comprises the steps: S1, obtaining a congestion coefficient of a parking lot exit; s2, judging whether advance payment prompt needs to be carried out based on the congestion coefficient, if so, entering S3, and if not, entering S1; s3, respectively calculating a notification coefficient of each vehicle in the parking lot; and S4, based on the notification coefficient, sending a notification for prompting the vehicle owner to pay in advance to the vehicle owner. According to the invention, in the payment management process of the parking lot, not only is the congestion condition of the exit of the parking lot considered, but also the payment historical record of the vehicle owner, the type of the vehicle and the accumulated stay duration are considered, unified notification sending to all the vehicle owners is avoided, whether notification sending to the vehicle owners is needed is judged more accurately, and the user experience is improved. Therefore, the occurrence probability of serious congestion events at the exit of the parking lot can be effectively reduced, and the parking experience of vehicle owners can be effectively improved.

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

A method for providing a voluntary down payment interface in association with a financing offer may include providing, to a remote device of a customer in association with a transaction between a merchant and the customer, an indication of a financing offer associated with a loan, providing, on a same page or screen of the remote device as the indication of the financing offer, a selectable option to display a down payment selector interface for making the voluntary down payment, responsive to the selectable option being selected, displaying the down payment selector interface, and, responsive to the selectable option not being selected, hiding or not displaying the down payment selector interface.

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.

The invention provides a data analysis system for an e-commerce platform and a method executed by the data analysis system. According to one embodiment, a data analysis system includes a processor and a memory. The memory stores a database and program instructions. When the program instruction is executed by the processor, the data analysis system executes the following operations: acquiring account information of each participating user of each pre-panic buying commodity in an application time period, and screening each qualified user; counting the number of qualified users in real time, and determining an operation instruction about commodity panic buying; the advance payment state of each qualified user is obtained, and an operation instruction about panic buying of the pre-panic buying commodity is determined; and carrying out statistics on each user who succeeds in panic buying, analyzing the remaining tail payment state of each user who succeeds in panic buying, and determining an operation instruction about processing of the panic buying commodity.

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 present invention belongs to the field of parking lot management and discloses a parking lot payment management method, device, electronic device, and storage medium. The method includes: S1, obtaining the congestion coefficient of the parking lot exit; S2, judging whether an advance payment reminder is required based on the congestion coefficient, and if so, entering S3; if not, entering S1; S3, respectively calculating the notification coefficient for each vehicle in the parking lot; S4, sending a notification to the vehicle owner based on the notification coefficient to remind the vehicle owner to pay in advance. In the process of parking lot payment management, the present invention not only considers the congestion situation at the parking lot exit, but also considers the vehicle owner's payment history, vehicle type, and accumulated parking time, avoiding the need to send a uniform notification to all vehicle owners and more accurately judging whether a notification is required to each vehicle owner. This can effectively reduce the probability of severe congestion at the parking lot exit while effectively improving the parking experience of vehicle owners.

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.

This application provides a method, system, and storage medium for original channel refunds based on an OTA data model, including the following steps: a wire transfer information collection and decision-making step; a complex scenario identification step for original channel refunds; a wire transfer information collection step; a wire transfer refund step; an offline advance payment refund step; and a payment integration information step, receiving a corresponding request, encrypting sensitive information in the request, and then initiating an external request for wire transfer transmission / wire transfer refund to the payment platform. This application enables passengers to operate the entire process independently by providing self-service refunds for wire transfers and offline advance payments, reducing reliance on manual customer service and simplifying the refund process; and improves data security by implementing sensitive information level protection.

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.

To provide a property-specific balance management system, a property-specific balance management method, and a property-specific balance management program capable of registering scheduled settlement details after the next month such that a scheduled balance may be zero against a calculated property balance.SOLUTION: A control part sets a specified date-deposit balance for a property as of a specified date and displays a property-specific balance details screen that sets individual balance details where an advance paid amount, a deposit amount, or sales target amount for the property in the month / year including the specified date. The control part acquires scheduled balance details in which settlement is scheduled after the next month including the specified date, and in which a scheduled settlement deposit amount is set such that it equals a difference between the specified date-deposit balance as of the specified date and the sum of the advance paid amount, the deposit amount, and the sales target amount as of the specified date. The control part then displays the property-specific balance details screen to which the scheduled balance details have been additionally set.SELECTED DRAWING: Figure 1

To provide a program capable of facilitating management of advance payments for business partners and suppressing automatic issuance of invoices, an information processing device, and a method.SOLUTION: In an accounting system, a server is configured to: accept input of advance payment data about advance payment received from a business partner by a user; register the advance payment data in association with information related to the business partner; accept input of information related to the business partner from the user; determine whether advance payment data exists for the business partner concerning information related to the accepted business partner; presenting the fact that an advance payment has been received from the business partner to the user and presenting application of the received advance payment to the user in a selectable manner when advance payment data exists; and when application of advance payment received from the business partner against the sales is selected and the total amount of the sales is applied, control the system so as to make the creation of an invoice related to the sales unselectable.SELECTED DRAWING: Figure 8

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.

Systems, methods, and computer program products are provided for initiating pull payments. The system includes a processor configured to receive a transaction request from a mobile device, the transaction request initiated by the mobile device scanning encoded indicia. The processor is also configured to communicate an authentication request to an authentication system, the authentication request configured to cause the authentication system to prompt the user for a proof of identity. The processor is further configured to receive the proof of identity from the mobile device. The processor is further configured to, in response to receiving the proof of identity, identify a payment enabler system based on the transaction request. The processor is further configured to initiate a pull payment transaction, via payment enabler system, to transfer the transaction value from an account associated with the account identifier to a merchant account associated with the merchant identifier.