9 results about "Alternative payments" patented technology

A system for dynamically revising a merchant page by one or more processors communicatively coupled to webservers hosting merchant pages may be configured to receive from a webserver a transaction amount and a unique identifier of a user interacting with the page without an input of a credit card number of the user and without the webserver accessing the credit card number in a data storage, identify, using the unique identifier and without receiving personally identifiable information from the webserver, a user profile including at least one dataset corresponding to a credit card of the user, and upon identifying an attribute of an alternative payment option for the user based on the user profile, generate an instruction to the webserver to dynamically render the page by displaying at least one interactive element including the alternative payment option based on an indicator of the credit card of the user.

The invention provides a payment routing method based on deep learning and related equipment, and is suitable for the field of financial science and technology. Comprising the following steps: obtaining a target payment request and channel characteristics of a plurality of alternative payment channels; predicting a payment success probability and a risk control triggering probability of each alternative payment channel based on the transaction characteristics and the channel characteristics of the target payment request through a pre-trained payment prediction model; determining a plurality of candidate routing schemes through a preset multi-objective optimization algorithm by taking the payment success probability, the risk control triggering probability and the preset service charge rate of each alternative payment channel as optimization objectives; determining a target routing scheme from the plurality of candidate routing schemes according to a preset service strategy; and processing the target payment request based on the target routing scheme. According to the method and the device, the personalized routing decision can be dynamically generated for the payment request based on the real-time state of the payment channel and the characteristics of the user and the merchant, so that the success rate of payment transaction and the routing selection efficiency are improved.

The embodiment of the present invention discloses a method, device, server and storage medium for displaying payment methods, the method comprising: when obtaining a repayment application from a user, obtaining the transaction information of the repayment application; wherein the transaction information includes the repayment type and / or the fund provider; according to the transaction information of the repayment application, obtaining at least one matching alternative payment method; according to the channel payment proportion and channel payment proportion threshold of at least one of the alternative payment methods, obtaining a target payment method from the at least one alternative payment method; and displaying the target payment method to the user. The technical solution of the embodiment of the present invention realizes providing personalized recommendations of payment methods to users based on the transaction information of the repayment application, and guiding users to select the recommended payment method, thereby simplifying the transaction process for the e-commerce platform to complete subsequent repayment transactions with the fund provider.

The invention provides a money processing device that makes it easy for customers to recognize when an alternative payment is made in the event of a shortage of banknotes to be used as change. [Solution] The money processing device 100 comprises storage compartments 16, 27 for storing coins and banknotes, dispensing ports 17, 29 from which the coins and banknotes stored in the storage compartments are dispensed, and a control unit 11. The control unit 11 performs, at different timings, an alternative currency dispensing operation in which, when there is a shortage of banknotes or banknotes of a higher denomination as change, the amount of banknotes or banknotes of a higher denomination is replaced with multiple coins or banknotes of a lower denomination and dispensed from each dispensing port 17, 29, and a normal change currency dispensing operation in which an amount less than the face value of the banknotes or banknotes of a higher denomination is dispensed as change in regular coins or banknotes of a lower denomination from each dispensing port 17, 29.

Computer-implemented methods and systems are disclosed for processing payment from a customer making a purchase in an online store. Embedded in the online store is an attachable element operable to provide a customer-side graphical user interface. The attachable element is enabled by a merchant application and receives contact information of the customer. Based on contact information from the customer, the customer may be identified as a new customer, and if so, a new user account is automatically created. Otherwise, if the customer is identified and verified as an existing customer, information from the customer's account is retrieved. A payment request from the customer is processed according to one or more rules configured through the merchant application. For example, the system may attempt to process the payment request through an instant payment rail, failing which the system attempts to complete the transaction through an alternative payment processor.

The invention discloses a payment program loading method and device for distributed equipment and electronic equipment, a basic installation package is obtained, the basic installation package comprises basic information related to collection, after the basic installation package is loaded, a payment capacity identification instruction is triggered, and the current payment capacity of the electronic equipment is obtained based on the payment capacity identification instruction; and obtaining an alternative payment program matched with the current payment capability from the payment equipment, and loading the alternative payment program. All collection modes do not need to be preset in advance, and the memory occupancy rate is low; the alternative payment program is actually required to be used, so that the condition that reworking is required due to the fact that a certain collection mode cannot be supported is avoided, and the memory occupation of the program is reduced; meanwhile, the alternative payment program is acquired from the payment equipment which is in distributed connection with the electronic equipment, so that the problem of acquisition failure caused by abnormity of the server is avoided, the acquisition efficiency is improved, the applicability, the flexibility and the collection efficiency are improved, no user participates in the whole loading process, and self-adaption is really realized.

A system and method implemented in an e-commerce system to facilitate transactions between a customer and a vendor is disclosed. The method includes generating the requested at least one QR code and token, wherein the at least one QR code and token includes at least an email field, transmitting the at least one QR code and token, receiving a response email, wherein the response email includes the token, decoding, the token, performing a validation, and processing the transaction, on a condition that the validation(s) are approved.

A method for linking alternative payment information with online personally identifying information (PII) data includes obtaining customer payment information associated with a customer, reading customer data from a database based on the obtained customer payment information, obtaining alternative payment information from the read customer data, determining whether payment by the alternative payment information is enabled for the customer payment information, prompting the customer to enable payment by the alternative payment information, prompting the customer for authorization information associated with payment by the alternative payment information, enabling payment by the alternative payment information for the customer payment information, and applying the alternative payment information to a current purchase of the customer.

A system and method implemented in an e-commerce system to facilitate transactions between a customer and a vendor is disclosed. The method includes generating the requested at least one QR code and token, wherein the at least one QR code and token includes at least an email field, transmitting the at least one QR code and token, receiving a response email, wherein the response email includes the token, decoding, the token, performing a validation, and processing the transaction, on a condition that the validation(s) are approved.