229 results about "Bank account" patented technology

A computer-implemented method of secure quantum safe (QS) payments using a quantum cloud payment platform, the method, performed by the quantum cloud payment platform, comprising: receiving one or more quantum safe deposit payment transactions from one or more endpoint devices of one or more registered users, each QS deposit payment transaction of a user comprising data representative of a deposit fiat cash value; transferring each of the deposit fiat cash values from a bank account associated with a user and linked to the QS payment account of the user to a quantum cloud account for pooling each of the deposit fiat cash values; for each deposit fiat cash value transferred in relation to a user of an endpoint device, performing: converting said each deposit fiat cash value to a corresponding number of quantum money tokens; linking said number of quantum money tokens to the QS payment account of the user; and sending said number of quantum money tokens to the endpoint device of the user for updating an electronic wallet of said user.

A method and system for securely communicating with third parties who are authorized to control access to funds in a banking account held by a financial institution is disclosed. The method and system are particularly useful when the third party does not have direct access to account controls (for example, through a secure web portal or a secure banking application). While joint account holders, or other authorized users, of the banking account may communicate directly through an account management service, communication with the third party is mediated using a separate messaging service, such as a short messaging service (SMS). An authorization token may also be used as part of the approval process.

A bank account can be authenticated or confirmed by a user providing an account number and a debit card number. The payment provider then obtains user account information from the bank through a debit card network. The payment provider authenticates the account if the account numbers match. In another embodiment, authentication further requires a portion of a current bank balance in the account provided by the user to match the current balance received from the bank.

The invention provides a shared economy separate account checking method based on a block chain, and relates to the technical field of block chains and Internet of Things, and the method comprises the steps: constructing an alliance chain on a block chain platform, and defining business logic and rules through an intelligent contract, so as to ensure the consistency and safety of information. Based on an intelligent chip, data can be automatically linked, and through a zero-knowledge proof technology, consistency of on-chain and off-chain data is verified, and privacy is protected. In this way, the consumption order amount can be automatically divided to the bank account of the related subject, the account balance is generated, and account book synchronization is achieved. Transactions are checked regularly, abnormity is processed, and the accuracy of intelligent account division and account checking is ensured. If the preset subject is changed, the change can be adapted by updating the smart contract, and the flexibility is improved. In addition, a TCC distributed transaction management scheme and a consensus mechanism are introduced, so that the efficiency of account division and account checking is improved, and the stability and reliability of the system are kept.

The invention provides a method for improving the association rate of bank transaction details and electronic receipts, and relates to the technical field of data processing, and the method comprises the steps: 1, automatically obtaining transaction detail data and electronic receipt data from a plurality of bank accounts opened by an enterprise through a bank-enterprise direct connection port; step 2, identifying and analyzing the electronic receipt data, extracting key accounting elements including transaction serial numbers, dates, amounts and transaction opponent information, and generating structured receipt data; and step 3, constructing a transaction data feature set based on the structured receipt data, determining a reference data point from the feature set, and generating two groups of data association features based on the reference data point. According to the invention, enterprises are assisted to efficiently complete electronic receipt reconciliation and archiving, efficient electronic certificate service is provided for financial auditing, and the electronic and digital process of judicial enterprises is promoted.

An image of a check that is in the field of view of a camera is monitored prior to the image of the check being captured. The camera is associated with a mobile device. When the image of the check in the field of view passes monitoring criteria, an image may be taken by the camera and provided from the mobile device to a financial institution. The image capture may be performed automatically as soon as the image of the check is determined to pass the monitoring criteria. The check may be deposited in a user's bank account based on the image. Any technique for sending the image to the financial institution may be used. Feedback may be provided to the user of the camera regarding the image of the check in the field of view.

A system of security that prevents misuse of identity data of an identity data owner in an identity data driven transaction in a global commerce network, that has in the system, a transaction processing entity that after it receives a identity data driven transaction from a transaction initiating entity, puts on hold the processing of the transaction for a period of time and via the identity data owner's wireless mobile communication device, contacts the identity data owner for authorization of the transaction before the transaction processing is completed. The system of security for identity data may be used in the identity data driven transaction is one from a group of (i) credit card payment, (ii) bank account payment, (iii) release of credit profile, (iv) release of financial data, and (v) release of medical data.

Automated provisioning, according to one example embodiment, enables a mutual customer to establish an intelligent and automated connection between an accounting software system and their financial institution. For example, this might be achieved by allowing a financial institution customer to make feeds from their bank accounts available to the accounting software system within financial internet software (e.g., hosted and operated by the customer's financial institution). Once a customer selects the bank account(s) they want to share with the accounting software system, they are passed along to the accounting software system to link the selected bank account with an account they have set up in the accounting software system.

Techniques are described for providing touchless ATM transactions based on receipt of a pre-staged transaction initiated by an authenticated user via an online banking system of a bank and subsequent receipt of a cryptogram of the user's payment card at an ATM. A server device receives transaction data for the pre-staged transaction from a user computing device via a user interface of an application associated with the online banking system. The server device associates the pre-staged transaction with a bank account including one or more payment cards of the user. The server device later receives a cryptogram of a payment card from an ATM and, based on identification information included in the cryptogram, determines that the payment card at the ATM is one of the payment cards of the bank account associated with the pre-staged transaction. In response, the server device authorizes performance of the pre-staged transaction at the ATM.

To provide a labor management server, a labor management method, a program, etc., which can easily register a salary receiving account and improve convenience for users. [Solution] A labor management server capable of communicating with a terminal device operated by a company's employees and an information processing device that provides a service, the labor management server comprising: a generation unit that generates app launch information including employee identification information for identifying the employee, server identification information for identifying the labor management server, and a link for launching an app for using the service; a transmission unit that transmits the app launch information to the terminal device; a receiving unit that receives from the information processing device an account linking result between the labor management server and the information processing device; and an account management unit that manages the employee's account information for the service included in the account linking result as a transfer account for the employee's salary.

An image of a negotiable instrument may be taken by a camera associated with a mobile device and provided from a user to a financial institution via the mobile device. The negotiable instrument may be deposited in a user's bank account based on the image. Any technique for sending the image to the financial institution may be used. The mobile device may process the image prior to sending the image to the financial institution. Additionally or alternatively, the financial institution may process the image.

Systems and methods that link a gaming establishment account with a created bank account and enable a user to employ the created bank account to access funds in association with a gaming establishment fund management system that maintains the gaming establishment account as well as independent of the gaming establishment fund management system that maintains the gaming establishment account.

A system (100) for automating the reconciliation of payroll checks and direct debits with bank statements in an ERP system, comprising: a) a payroll data extraction module configured to retrieve payroll records from a payroll database, including pay details, check numbers, and direct debit amounts; b) a bank statement integration module configured to retrieve bank transaction records from an associated bank account, including check numbers, direct debit references, transaction amounts, and transaction dates; c) a reconciliation module configured to automatically compare the payroll data with the bank transaction records based on predefined criteria, such as check numbers, payment amounts, and transaction dates;d) a discrepancy resolution module configured to enable user intervention in the event of non-matching transactions and to permit manual adjustments and updates; e) a reporting and audit trail module configured to generate reports detailing the reconciliation process and providing an audit trail of the actions performed during the reconciliation process; f) a real-time notifications and alerts module configured to send notifications of discrepancies or required actions to the relevant users; and g) an ERP integration and synchronization module configured to update the financial data, including bank balances and general ledger entries, within the ERP system upon successful reconciliation.

The embodiment of the invention discloses an identity verification method, and the method prompts a user to carry out the reverse payment of a verification account which is opened in a bank by a third-party financial platform through the binding of a same-name bank account of a third-party account which is opened in the third-party financial platform. And the authenticity of the identity of the user is verified by verifying the consistency of the collection information of the verification account and the payment instruction. And the user can immediately complete the verification operation as long as completing the payment behavior and confirming that the payment behavior is completed. Through the scheme, the success rate of verification operation can be improved, and the user experience is optimized. The identity verification device, the business handling method and the business handling device in the embodiment of the specification also have the above beneficial effects.

Devices, systems, and methods of detecting a vishing attack, in which an attacker provides to a victim step-by-step over-the-phone instructions that command the victim to log-in to his bank account and to perform a dictated banking transaction. The system monitors transactions, online operations, user interactions, gestures performed via input units, speed and timing of data entry, and user engagement with User Interface elements. The system detects that the operations performed by the victim, follow a pre-defined playbook of a vishing attack. The system detects that the victim operates under duress or under dictated instructions, as exhibited in irregular doodling activity, data entry rhythm, typographical error introduction rhythm, unique posture of the user, alternating pattern of listening to phone instructions and performing online operations via a computer, and device orientation changes or spatial changes that characterize a device being used to perform an online transaction while also talking on the phone.

Systems and methods that responsive to an authorized purchase transaction at a point-of-sale terminal using an amount of funds maintained in an integrated bank account associated with a user, determine a gaming establishment account associated with the user, and operate with a component of a gaming establishment system that maintains the gaming establishment account to cause, based on the authorized purchase transaction a benefit to be associated with the gaming establishment account.

Systems and methods that, following a requested transaction against an integrated bank account created on behalf of a user, determine, based on a limit associated with a gaming establishment account linked to the integrated bank account, whether to proceed with the requested transaction. Responsive to the determination being that the requested transaction complies with the limit associated with the gaming establishment account, the systems and methods operate with a component of a banking institution to attempt to complete the requested transaction. Responsive to the determination being that the requested transaction does not comply with the limit associated with the gaming establishment account, the systems and methods terminate the requested transaction.

The present disclosure relates to systems, methods, and graphical user interface for facilitates un-registered merchant in registering and creating merchant account after receiving notification regarding receiving of payments by payment service provider or server on behalf of selected place associated merchant from one or more customers. In another embodiment enabling un-registered merchant to get payment from payment hold account to merchant's bank account. In another embodiment automatically creating merchant account, notifying merchant about creation of merchant account and authorizing merchant to access merchant account, link bank account with merchant account, transfer funds from merchant account to merchant's bank account. In another embodiment facilitating users to scan QRcode and make payment to unregistered merchant associated with user selected place and enabling merchant to get payment or register, create and verify merchant account and get payment.

The invention discloses a fund allocation method and device, equipment, a storage medium and a product, and relates to the technical field of data processing, and the fund allocation method comprises the steps: responding to a fund allocation request of a transaction account, and determining a fund allocation path of the transaction account in a cash pool concurrent transaction model, the fund allocation path passes through the fund account and the position account; calculating to obtain target funds needing to be transferred by the fund account and the position account in the fund transfer path, and transferring the target funds to transfer transaction sub-households randomly selected from the fund account and the position account; and transferring the target fund stored in the transfer transaction child account to the transaction account based on the fund transfer path. According to the method and the device, the problems that transverse expansion cannot be realized due to adoption of serial fund transfer processing, mother company accounts of all levels in a cash pool become performance bottlenecks of high-concurrency transactions, and transaction processing efficiency of a bank accounting system is seriously influenced in a transaction peak period can be solved.

Systems and methods that, following an occurrence of a settlement event, determine a transaction against an integrated bank account that is associated with a user and linked to a gaming establishment account associated with that user. Following the occurrence of the settlement event, the systems and methods additionally operate with a component of a banking institution to reconcile the integrated bank account against at least a backing bank account associated with the gaming establishment account.

To improve the usability of services related to digital salary payments.SOLUTION: An information processing device according to the present application executes processing related to funds deposited through a virtual account that is previously associated with a service user who uses an electronic settlement service, the information processing device having an execution unit. When electronic money equivalent to an amount received by the service user through the virtual account is charged as a service user's money balance, and the amount exceeds a first upper limit set in advance by the service user as an upper limit of cumulative charge amount for a specified period, the execution unit executes processing for charging the electronic money equivalent to an amount of the received amount that does not exceed the first upper limit to an electronic wallet that stores the service user's money balance, and transferring cash equivalent to the amount of the received amount that exceeds the first upper limit to a refund bank account previously designated by the service user.SELECTED DRAWING: Figure 3

The present disclosure relates to a method for secure, traceable and privacy-preserving with anonymity revocation digital currency transfer to at least a first user from a second user among a plurality of banked and unbanked users by using a distributed ledger comprising a plurality of ledger nodes, wherein said users perform Digital Currency transfers by adding transactions on this ledger using user devices configured to be connected to said nodes, to a registration authority and to a revocation authority, said authorities owning each one a public / private key pair, comprising:an enrollment phase, performed by a user device of said first user, comprising:sending to the registration authority evidence of the first user's identity,generating a first user identification key pair comprising a first user identification public key and a first user identification secret key,sending to the registration authority said generated first user identification public key,receiving from the registration authority a signed token generated by the registration authority after the registration authority verified first user's identity based on said evidence, said signed token being generated by signing with the registration authority secret key a token comprising said first user identification public key and said first user's identity encrypted with said revocation authority public key,a transaction phase, performed by said user device of said first user, comprising: participating with said second users in a Digital Currency transfer transaction to be added to the distributed ledger,wherein said signed token enables the revocation authority to revoke first user's anonymity by retrieving first user's identity.

The invention discloses a supply chain financial service risk management system based on digital currency and a related method. The system comprises a supplier end used for sending a financing application and sending a money-counting wallet opening request to a loan bank; the supply chain financial service platform is used for sending the financing application information message of the supplier side to the loan bank side and receiving a reply financing message of the loan bank side; the loan bank end is used for opening a money counting wallet under a supplier account, feeding back a financing reply message to the supply chain financial service platform according to the financing application information, initiating a contract signing binding activation intelligent contract request to the money counting wallet, and financing and loaning to the supplier end; and the currency counting wallet is used for signing, binding and activating the intelligent contract, communicating and binding the supplier account in the loan bank end and the supplier account in the collection bank end, and when the intelligent contract is triggered, fund of the supplier account in the collection bank end is transferred to the currency counting wallet, and currency counting is returned to the loan bank account from the currency counting wallet.

Authentication codes (e.g., a One Time Passwords) are used in various ways to provide enhanced authentication. For example, multiple authentication codes may be sent to different users in order to provide access to a first user. In addition to sending authentication codes, multiple users may have to provide authentication credentials (e.g., a username / password) in order for a first user to access a resource, such as a bank account. The use of authentication codes may be applied to communication sessions, such as voice and video communication sessions. In addition, the authentication codes may be used to approve an incoming communication, such as and incoming email.

The invention discloses a large capital construction project management system based on AI. The system comprises a management system background and a client communicating with the management system background. The client is used for providing a man-machine interaction access interface; wherein the background server comprises a project database, and the project database is used for storing project data; the project data comprises basic information of an engineering project, a project general situation, progress control, a responsibility subject, a project management organization, a platform user, a main contract, a downstream contract, a financial index, project creation, a project license, a total package settlement, acceptance data and a bank account. And the project management module is connected with the project database, the project management module is used for querying, creating, editing, deleting and exporting the project data, and the project data has a project number for uniqueness verification. And a systematic and intelligent project management tool is adopted, so that more systematic and comprehensive information management can be performed on capital construction projects.

1. The name of the design product: dynamic graphical user interface for fund analysis and regulation of electronic equipment. 2. The use of the design product: for an electronic device. 3. The design points of the design product: the content displayed by the graphical user interface. 4. The picture or photo that best indicates the design points: front view. 5. The electronic device is of conventional design, and other views are omitted. 6. The use of the graphical user interface: for the management and display of fund analysis and regulation. 7. The area of the graphical user interface in the product: full screen. 8. The human-computer interaction mode of the graphical user interface: the interface in the front view is the main interface; input the instruction "query the number of bank accounts, fund collection and payment data, financing scale data of unit A from 2020 to 2024, output in the form of charts and tables respectively, and predict the trend in 2025 based on the data. ", generate interface change state diagram 1; interface change state diagram 1 automatically jumps to interface change state diagram 2.

A method is presented for facilitating sales transactions by electronic media. A barcode or other design containing merchant seller information is attached to a decal, label or stamp sheet to enable electronic payment to a merchant seller's account. The decal sheet is made with an adhesive sufficient to allow the decal label once printed, to be attached to a personal object during the period of time for which a financial transaction might occur. The decal label is then removed from the decal label sheet and applied to the personal object provided by the merchant. Before the sales transaction can be consummated, the decal label information is scanned by the buyer's smartphone. Characteristics about the decal label are compared to characteristics about the decal label's information digitally stored on a computer database in question in order to validate the identity of the merchant seller. Once merchant seller's information is validated, the seller may be authorized to debit (or cause a charge) the buyer's electronic account in order to consummate the transaction or transactions. The seller's electronic merchant bank account may be similarly updated.

The invention relates to the technical field of big data, and particularly discloses an account conversion method and device, computer equipment, a computer readable storage medium and a computer program product. The method comprises the following steps: determining a plurality of target cash households to be processed, and adding the target cash households to a change list; respectively acquiring account types of the target cash owners; determining a management strategy of an account service according to the account type of the target cash account; the management strategy of the account business is used for indicating business rules of all account businesses of the target cash account; based on the change list, automatically converting the target cash households into convergent households in batches to obtain converted convergent households; and according to the management strategy of the account business, changing the converted business rule of the convergent account, so that the converted convergent account is compatible with the business rule of the cash account. Therefore, the conversion efficiency of the account can be remarkably improved, a foundation is laid for integrated management of the cash account and the exchange account, the management process of the private deposit account and the private debit card account is optimized, and the risk during business processing is reduced.

This invention relates to the field of intelligent auditing, and more particularly to a graph neural network method and system for mining hidden relationships among multiple sets of enterprise accounts. The method includes: acquiring multiple sets of accounts of a target enterprise, extracting entity and transaction information, and constructing a heterogeneous graph network containing multiple types of nodes such as enterprises, individuals, bank accounts, and transaction vouchers, as well as multiple types of edges such as fund transfers, control, and voucher associations; inputting the heterogeneous graph into a pre-trained GNN, aggregating neighbor features through graph convolutional layers, and updating node embedding vectors; based on the embedding vectors, using an attention mechanism to calculate the confidence of hidden relationships between node pairs, and filtering suspicious related node pairs; performing path reasoning and backtracking on suspicious node pairs, mining multiple paths, and generating a chain of evidence for related paths. This application, by constructing a heterogeneous graph containing multiple types of nodes and edges, comprehensively captures entities such as enterprises, individuals, accounts, and vouchers and their multidimensional relationships, solving the problem that existing methods are unable to comprehensively characterize complex relationship scenarios and capture hidden relationships.

To provide an automatic fare adjustment system capable of preventing shoplifting and relieving concern about securing labor force due to decrease in population.SOLUTION: An automatic fare adjustment system registers a latest photograph of a smartphone to perform updating and register a name, an address, a date of birth, a bank account, and personal artificial intelligence. Cameras, bar code readers, and microphones are installed at an interval of one meter on a commodity shelf. Each time picking up a product, a customer brings the product close to a barcode reader and performs fare adjustment. A face of the customer, a commodity name, a price, and the number of commodities are described on a digital receipt of the smartphone. Artificial intelligence warns the customer when the customer ignores the bar code reader and tries to remove the commodity without bringing the commodity close to the bar code or when the customer holds a plurality of commodities over the bar code reader. When desiring to return the commodity, the customer depresses a return button and causes the bar code reader to read the commodity again, and returns the commodity.SELECTED DRAWING: Figure 1