11 results about "Balance transfer" patented technology

Application integration for web payments is described. In an example, a peer-to-peer (P2P) payment platform can present, via a web browser, a merchant web page that includes an actuation mechanism for selection of a payment making platform for making a payment for a transaction. The peer-to-peer (P2P) payment platform detects interaction with the actuation mechanism and presents a prompt for a user identifier via the web browser. The peer-to-peer (P2P) payment platform sends the user identifier (which is associated with an account of the user) to the payment making platform and receives an indication of the user account from the payment making platform. Based on the indication and the transaction data, the peer-to-peer (P2P) payment platform transfers funds from a stored balance of the user to a merchant account of the merchant. The peer-to-peer (P2P) payment platform presents at least a portion of the transaction data.

A methodological technical approach is proposed herein that utilizes historical data to employ a heuristic optimization algorithm for data message routing. While not specifically limited to the banking sector and financial institutions, as a practical example, the approach can utilize historical data relating to patterns of transactions for analyzing customer behavior and detecting fraudulent activities. For example, trajectory mining can be used to analyze the transaction patterns of credit card users, or behavioural patterns of mobile banking users, such as checking account balance, transferring funds and paying bills.

The invention relates to an electronic payment method, comprising the following steps, implemented by a payment server: a) receiving a sales message from a client terminal, the sales message including information relating to a transaction amount and information relating to a merchant's identity; b) comparing the transaction amount to a payment capacity contained in a client account stored in the payment server and determining if the transaction amount is less than or equal to the payment capacity; c) sending a transfer message to a central server for the transaction amount such that the central server credits a merchant's operating account with the transaction amount less a commission, debits a client's operating account, and credits a central operating account with the commission;c) Issuance to the central server of an order to debit the debit balance of the customer's operating account from the customer's bank account to the central bank's central operating account; d) Issuance of an order to transfer the balance of the merchant's operating account to the merchant's bank account; e) Receipt from the central server of a notification that the debit balance of the customer's operating account has been debited. No figure;

A method for private and auditable transaction protocol using smart contracts on blockchains. The method includes receiving a deposit of tokenized currency from a participant, maintaining a state for each participant, and receiving a transaction for a payment comprising a commitment to a value, an audit-token, a proof of balance, and a proof of assets. The smart contract verifies the proof of assets and balance, and executes the transaction upon successful verification. The method also includes receiving a cash-out transaction, verifying the zero-knowledge proof, updating the state, and transferring the balance to the participant's account. Additionally, the method involves receiving a commitment to a value of a payment transaction, an audit-token, a consistency proof, and an issuer-token, verifying the commitment, and transferring the value from the payor to the payee by updating their states.

The present disclosure relates to a user interface for managing accounts. In some embodiments, an exemplary user interface for configuring an account for an electronic device is described. In some embodiments, an exemplary user interface for providing usage information of an account is described. In some embodiments, an exemplary user interface for providing visual feedback on representations of an account is described. In some embodiments, an exemplary user interface for managing tracking of categories is described. In some embodiments, an exemplary user interface for managing transfers of items is described. In some embodiments, an exemplary user interface for managing authentication credentials connected to an account is described. In some embodiments, an exemplary user interface for activating an entity account object is described. In some embodiments, an exemplary user interface for managing balance transfers is described.

To provide a system relating to a salary payment system which is advantageous for both an organization that pays salaries and members that receive salaries. [Solution] The system is configured to automatically transfer the amount in excess of the predetermined amount to the registered member's excess transfer account A5 or B5 when the account has a balance greater than a predetermined amount and a certain amount of time has passed since the deposit or when a predetermined time has arrived.

The invention provides an electricity meter replacement method and system based on a handheld device, and belongs to the technical field of electricity meter replacement. The electricity meter replacement method based on the handheld device comprises the following steps that S1, the handheld device obtains original meter information and new meter information and uploads the original meter information and the new meter information to an electricity meter management system; s2, the electric meter management system generates a balance transfer token corresponding to the new meter information based on the original meter information; and S3, the new table receives the input balance transfer token to complete table change. A worker uploads original meter information and new meter information to an electric meter management system through a handheld device, the electric meter management system generates a balance transfer token corresponding to the new meter information based on the original meter information, the new meter receives the input balance transfer token to complete meter replacement, the balance transfer token is generated to transfer the balance of the original meter to the new meter, and the balance of the new meter is transferred to the original meter. A worker only needs to go to a user site for one time to complete meter replacement, the meter replacement process is optimized, and manpower resource consumption is reduced.

In some embodiments, exemplary user interfaces for provisioning an electronic device with an account are described. In some embodiments, exemplary user interfaces for providing usage information of an account are described. In some embodiments, exemplary user interfaces for providing visual feedback on a representation of an account are described. In some embodiments, exemplary user interfaces for managing the tracking of a category are described. In some embodiments, exemplary user interfaces for managing a transfer of items are described. In some embodiments, exemplary user interfaces for managing an authentication credential connected with an account are described. In some embodiments, exemplary user interfaces for activating a physical account object are described. In some embodiments, exemplary user interfaces for managing balance transfers are described.

To enable a user to easily share and use assets owned by the user with specific users. [Solution] An information processing method executed by a computer, comprising the steps of: acquiring a transfer request requesting the transfer of a specified asset; acquiring a token issued to the requesting user, the token being associated with the balance of a specified asset held by the user; acquiring the balance of the specified asset associated with a token corresponding to specified identification information issued to another user other than the requesting user; determining whether or not to transfer the specified asset based on the sum of the balances of the specified asset associated with the tokens of the requesting user and the other users and the transfer amount included in the transfer request; and controlling the transfer of the specified asset to the account of a destination user from the sum of the balances of the specified asset associated with the tokens of the requesting user and the other users.

A gaming device comprises a processor, a credit input device, a credit meter, a win meter, a bank meter, and a memory storing instructions, which when executed by the processor cause the processor to generate a game outcome, add any win amount resulting from the game outcome to the win meter to establish a win meter balance, upon a win amount added to the win meter satisfying the automatic bank condition, transfer the win meter balance to the bank meter, and upon a residual credit balance of the credit meter being below a desired wager amount corresponding to a desired player selection for a subsequent game after transfer of the win meter balance to the bank meter, conduct a random trial having a probability of success proportional to a ratio of the residual credit balance to the desired wager amount to determine whether to conduct the subsequent game using the desired player selection.

To enable smooth cashless payments abroad. [Solution] The information processing device 1 includes a storage unit 12 that stores the balance of electronic money owned by the user, which is a first balance that can be used for settlement and for which fund transfers related to remittances and withdrawals are restricted, and a second balance that can be used for settlement and fund transfers; an acquisition unit 132 that acquires a user's settlement request that includes a settlement amount and corresponds to a predetermined settlement request destination; and a settlement processing unit 133 that, when the acquisition unit 132 acquires a settlement request, settles the settlement amount from the first balance in response to the settlement request if the first balance is equal to or greater than the settlement amount, and if the first balance is less than the settlement amount, moves the balance from the second balance to the first balance so that the first balance becomes equal to or greater than the settlement amount, and settles the settlement amount from the first balance that has become equal to or greater than the settlement amount in response to the settlement request.