4 results about "Balance transfer" patented technology

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.

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.

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.