151 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.

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.

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.

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.

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.

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.

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.

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.

A method provides techniques for monitoring banking compliance across user bank accounts and financial / banking institutions. Transactional access to banking institutions at which a user has at least one account is maintained on an electronic device. The banking institutions include at least a first banking institution and a second banking institution. A compliance status check for each banking institution among the banking institutions is performed. In response to determining a possible non-compliance exists, a non-compliance alert message is rendered and presented on the electronic device that indicates each banking account or institution among the banking accounts and / or institutions for which a possible non-compliance exists. Mitigation measures are presented and / or initiated that trigger mitigation of the non-compliance.

Aspects of the present invention enable matching of bank account information and payee information from invoices and other billing documents, in situations in which some or all of the payee information is obscured, blurred, or otherwise illegible. In an embodiment, a payee dictionary, which may comprise a hashmap, may be accessed with a key prepared from data taken from an invoice or other billing document, where some of the relevant data in the document is unavailable because of an overlying stamp or seal. Where the key is either incorrect or insufficient, a user may review the key data and match it with the appropriate payee dictionary contents, to update or correct the dictionary.

A method includes presenting, to a user, a list of bill payment accounts included in a bill payment system, wherein each bill payment account in the list of bill pay eligible bank accounts of the user is delegable by the user. The method also includes receiving, from the user, a selection of a bill payment account included in the list of bill payment accounts and a to-be delegate identifying information, and transmitting a communication comprising a request for bill payment delegation based on the selection and on the pending delegate identifying information. The method additionally includes authenticating a second user via a user credential linked to the pending delegate information, receiving, from the second user, an indication of acceptance of a delegate role for the bill payment account, and applying the delegate role in the bill payment system to enable access to the bill payment account via the user credential based on the indication of acceptance.

The application relates to a multi-dimension dynamic weighted polling scheduling method and system for bank-enterprise direct connection query, which comprises the following steps: acquiring account information of all accounts of an enterprise and initializing a sorting value of each account; screening out accounts to be queried in a current batch according to the initialized sorting value of each account; calling a bank-enterprise direct connection interface to query the balance or transaction details of the accounts in the current batch; calculating an average transaction number interval based on the transaction number of each account and adopting a zero-elimination average method; respectively calculating a new basic weight value, a historical transaction weight value and a real-time transaction weight value by adopting a specific calculation method; generating an account weight value; generating a new sorting value for each account in the current batch according to the account weight value; screening out accounts to be queried in the next batch of the current batch according to the new sorting value; and stopping until a preset iteration number is reached, completing the polling scheduling of the enterprise account query and being suitable for efficient query scheduling scenes in a large-scale bank account environment.

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.

In a method for changing a user's bank account information in merchant account databases a server receives a login request including a user identification and first user authentication information. The server further receives a request to change bank account information from a first bank account to a second bank account for merchant accounts of the user and network login information for the first bank account. The server accesses an account information database for the first bank account and downloads transaction information for merchant transactions involving the first bank account. The server identifies a set of merchant user accounts involved in the merchant transactions and receives account login information for a data site associated with a selected account. The server accesses the data site and changes a bank account identification stored therein from the first bank account to the second bank account.

The invention relates to a bank account data electronic data address cleaning method and device and a storage medium. The method comprises the steps of performing data preprocessing on a bank account data electronic data address; performing data cleaning on the electronic data address by using an AI intelligent agent; checking the electronic data address cleaning result; the method for performing data cleaning on the electronic data address by using the AI intelligent agent comprises the following steps of: configuring the AI intelligent agent; rules and requirements of input and output are clarified; only address-related content is processed, and non-address data content is limited to be processed. The automatic cleaning process is realized by means of the AI intelligent agent, a large amount of address data can be processed in a short time, and the cleaning efficiency is improved; the AI intelligent agent cleans the address according to the preset strict standard and rule, the algorithm model of the AI intelligent agent can be optimized by continuously learning new electronic data addresses and cleaning rules, the cleaning accuracy is improved, and the dependence on a large amount of manpower is greatly reduced through automatic cleaning.

A cash recycler is described. The cash recycler includes a communication device connected to a core network of a bank; an internal vault; an input bin for receiving bank notes; an output bin; a counter having sensors that count and evaluate bank notes for fitness, authenticity, and denomination, and a conveyor configured to convey the bank notes into the internal vault; a user interface including control circuitry configured to authenticate a non-teller user by accessing authentication information via the communication device based upon bank account records within a bank database; and a cash dispenser configured to transfer bank notes from the internal vault to the output bin upon authentication of the non-teller user and a transaction.

Method, device, and system of detecting a mule bank account, or a bank account used for terror funding or money laundering. A method includes: monitoring interactions of a user with a computing device during online access with a bank account; and based on the monitoring, determining that the bank account is utilized as a mule bank account to illegally receive and transfer money, or is used for money laundering or terror funding. The method takes into account one or more indicators, such as, utilization of a remote access channel, utilization of a virtual machine or a proxy server, unique behavior across multiple different accounts, temporal correlation among operations, detection of a set of operations that follow a pre-defined mule account playbook, detection of multiple incoming fund transfers from multiple countries that are followed by a single outgoing fund transfer to a different country, and other indicators.

A computer-implemented method includes establishing a Seller Internal Bank Account for a seller and a Buyer Internal Bank Account for a buyer under a Financial Custodian. The computer-implemented method further includes determining whether terms of a sale agreed to by the buyer match terms of a sale agreed to by the seller. The computer-implemented method further includes performing an intrabank transfer of funds from the Buyer Internal Bank Account to the Seller Internal Bank Account upon determining that the terms of the sale agreed to by the buyer match the terms of the sale agreed to by the seller, where the seller is granted immediate access to the funds.

The invention discloses a bank account risk identification method, system and device based on subject-level loss, and the method comprises the steps: firstly obtaining bank account sample data, each bank account having a plurality of samples, each sample corresponding to a label, and representing whether there is a risk; then, constructing a neural network model, and according to bank account sample data and labels, calculating a predicted value of a sample with the maximum prediction probability based on each bank account main body to calculate a loss function for model training; and finally performing risk identification on the bank account acquired in real time based on the trained neural network model. The invention provides a main body level loss function which is used for a risk identification process of a bank account, the influence of noise in a risk label in a model training process can be reduced, the model is enabled to converge based on a main body account, and the consistency of model training and evaluation is ensured.

A dispensing machine 200 for dispensing a digital form of cash comprises a card reader 265 reading account information stored on an EMV® chip or magnetic strip of a user’s bank card, a cassette holdin