54 results about "Deposit account" patented technology

Various aspects of this disclosure relate to a system for use in transferring electronic currency between external funding sources and, for example, a casino to fund wager gaming and to cash out or otherwise transfer winnings or certain types of unused credit, while, in some in some embodiments, restricting the transfer of certain types of credit, such as for example, loan credit provided by the casino or one or more other entities or activities. Various aspects of this disclosure relate to an electronic wallet that provides access to one or more external and / or internal funding sources such as one or more deposit accounts and / or credit accounts; and the electronic wallet is configurable to fund wager gaming or the procurement of other products or services. Such funding is optionally provided to a certain environments, like a casino for example, through a closed system in communication with one or more wager-game providing systems and / or one or more other product or service providing systems.

A system and method for extending a firm offer of credit without regard to the credit risk profile of the credit applicant is disclosed. Using seller-defined and / or system and method provider configured business rules and related payment computations, the system derives a series of initial payments representing a “down payment.” After the down payment is collected, the goods or services are delivered. The purchaser may elect upfront from a plurality of payment options, including the automatic collection through recurring pre-authorized electronic funds transfers to a deposit account or via authorized and settled credit or debit card authorization(s). A purchaser using either of these options has the option, upon receipt of the goods or services, to pay the remaining balance through the continuation of electronic funds transfers or, at any point prior to completion of payments using a “one-time authorized amount for the balance due” alternative form of payment like cash, credit or debit card, to pay off the remaining balance.

A distributed payment system may include a first bank at which a user deposit account of a customer is established where the user deposit account is associated with a vehicle of the customer to fund transactions initiated via the payment vehicle, a second bank at which a facilitator account of a card issuer of the payment vehicle is established, and a facilitation agent in communication with a first bank agent of the first bank and a second bank agent of the second bank to issue messages or system triggers associated with money transfers within the distributed payment system. The facilitation agent establishes a facilitator clearing account to hold unreconciled funds of customers having payment vehicles and deposit accounts at the first bank, and establishes a facilitator servicing account to hold reconciled funds of the customers having payment vehicle and deposit accounts at the first bank. The facilitation agent facilitates real time transfer of money into and out of the user deposit account with respect to the facilitator clearing account responsive to the customer initiating a transaction, facilitates a net transfer of money between the facilitator clearing account and the facilitator servicing account based on summing all transactions in a given period, and facilitates a transfer of funds between the facilitator servicing account and the facilitator account of the second bank based on the summing of all transactions in the given period.

A distributed ledger system may include a first distributed ledger node associated with a first participant bank that maintains a first participant bank deposit account on a blockchain-based distributed ledger in a distributed ledger network; a second distributed ledger node associated with a second participant bank that maintains a second participant bank deposit account on the blockchain-based distributed ledger; and a third distributed ledger node associated with a liquidity provider that maintains a liquidity provider deposit account on the blockchain-based distributed ledger. A consensus algorithm operates on the distributed ledger nodes and updates the blockchain-based distributed ledger in which multiple copies of the blockchain-based distributed ledger across the distributed ledger nodes, and transactions involving the first participant bank deposit account, the second participant bank deposit account, and / or the liquidity provider deposit account are added to a block to the blockchain-based distributed ledger.

A method may include: a distributed application on a digital banking and payment platform receiving, via an API, a reserve funds instruction from a first transaction party to hold a balance in a blockchain deposit account, the reserve funds instruction comprising a reserve hold amount; the distributed application validating the reserve funds instruction; the distributed application generating a blockchain transaction payload for the reserve funds instruction; the distributed application submitting the blockchain transaction payload to a smart contract that maintains a distributed ledger, validates that the blockchain deposit account has available funds sufficient for the reserve hold amount, and creates a reserve funds hold on the reserve hold amount in the blockchain deposit account; the distributed application receiving, in response to a successful reserve funds hold, a confirmation event from the smart contract; and the distributed application generating a first reserve identifier for the reserve funds hold.

The invention relates to an expressway vehicle charging splitting method and system, and the method and system are mainly characterized in that a front end uses a vehicle license plate and user account integration mechanism as the basis of a rear end. According to the system, a plurality of entrance image acquisition devices are used for shooting vehicle image information when a vehicle enters a highway, a plurality of exit image acquisition devices are used for shooting vehicle image information when the vehicle leaves the highway, and a plurality of junction image acquisition devices are used for shooting vehicle image information when the vehicle passes through a junction; a vehicle weight detection device is arranged at the position of each image acquisition device to detect the vehicle weight information of each vehicle, and a server judges the driving route of each vehicle on the expressway according to the vehicle image information and the vehicle weight information and calculates the toll of the vehicle according to a preset rate table. And deducting the toll from a deposit account bound with the vehicle, splitting the toll and transferring the toll to a corresponding collection unit, thereby achieving the purpose of full-automatic charging and splitting.

Systems and methods are disclosed for automatically synchronizing ledgers of two separate accounts, namely an account at a financial institution and a wagering account of a gaming environment, in real-time based on various activities, such as withdraws, wager events, demand deposit account activities, and the like. Such an approach minimizes costs associated with the fund transfer and management and reduces undesirable churning of funds. The real-time synchronization of the account ledgers can occur without the user necessarily being aware, thereby creating a frictionless and enjoyable experience for users of the online betting and gaming platform.

The invention provides a multiplexing acquiring method which can be applied to the technical field of Internet of Things. The multiplexing acquiring method comprises the following steps: in response to an acquiring request of an acquiring system, generating an order two-dimensional code containing a unique transaction identifier based on a service serial number; the sales terminal is utilized to scan the order two-dimensional code, service information and order receiving information are obtained, and the order receiving information comprises a receiving amount, a receiving bank, a receiving user name, a receiving account and a payment code; service information and acquiring information are confirmed through the sales terminal, and acquiring operation is executed; wherein the point-of-sale terminal is associated with a plurality of receiving banks, a plurality of receiving housenames and a plurality of receiving accounts in advance, and supports dynamic switching of the associated accounts in the receiving operation. The invention further provides a multiplexing acquisition device and equipment, a storage medium and a program product.

The present disclosure relates to systems, non-transitory computer-readable media, and methods for generating and utilizing movement identifiers to identify transactions in a secured deposit network transaction chain. In particular, in one or more embodiments, the disclosed systems initiate a network transaction as a secured deposit network transaction chain comprising a first intermediate transaction from a secured deposit account to a debit account and a second intermediate transaction from the debit account to an additional account. Moreover, the disclosed systems intelligently display the network transaction in a user interface by displaying the network transaction as a transaction from the secured deposit account to the additional account.

Systems and methods for using single-chain or multi-chain deposit tokens are disclosed. According to one embodiment, a method for deposit tokenization may include: (1) receiving, by a deposit tokenization service of a token issuer and from an authorized party, an instruction for tokenization of an amount of non-tokenization funds in a deposit account; (2) verifying, by the deposit tokenization service, the identity of the authorized party using the verifiable credentials; (3) screening deposit accounts and / or verifiable credentials through a deposit tokenization service and by using an information oracle machine; (4) deducing a deposit account for the amount by the deposit tokenization service, and credit the amount to a comprehensive account; (5) through a deposit tokenization service, tokenizing the amount of non-tokenization funds on the block chain network into a deposit token; and (6) crediting the wallet address on the blockchain network with the deposit token through the deposit tokenization service.

This article belongs to the field of financial technology, and specifically relates to a method, device, equipment and storage medium for interbank account information management, which is applied to an interbank account management platform. The method includes: determining at least one second bank associated with a first bank, wherein the first bank and the second bank have an interbank business relationship; obtaining an interbank deposit account for the first bank opened in the second bank; opening a NOSTRO account corresponding to the interbank deposit account; when there is an interbank account change in the first bank, preliminarily updating the NOSTRO account and obtaining billing information sent by the second bank; further updating the NOSTRO account based on the billing information and the interbank deposit account. This article realizes the management of interbank accounts of different second banks by adopting NOSTRO accounts, thereby improving the efficiency of interbank deposit account management.

The present invention discloses a processing method, device, electronic device, and storage medium for provident fund deposit accounts, which relates to the technical field of financial information services. A specific implementation manner of this method includes: in response to a processing instruction for multiple deposit accounts, obtaining the user identifier in the processing instruction to query multiple provident fund deposit accounts corresponding to the user identifier; calculating the risk probability of each provident fund deposit account to screen target accounts from the multiple provident fund deposit accounts; querying the address information of the opening service end corresponding to the target account to determine whether the address information is consistent with the address information of the current service end; if not, sending the processing instruction to the opening service end; if so, obtaining the account processing information corresponding to the user identifier to determine the account processing events corresponding to each provident fund deposit account, and then triggering the account processing events. This implementation manner can solve the problem of low efficiency in processing provident fund deposit accounts by manually coordinating each provident fund processing center.

The present invention provides a method and device for predicting the reserve assessment amount, which obtains historical balance information under a deposit account; then determines the reserve assessment amount within the reserve period based on the historical balance information and the average balance information under each deposit account within a set period, thereby being able to predict the reserve assessment amount, greatly saving manpower and material resources.

To improve the technology related to the foreign exchange system. [Solution] A foreign exchange system 1 comprising multiple servers 20 used by multiple financial institutions excluding the Bank of Japan, wherein each of the multiple servers 20 stores information on multiple accounts, including deposit accounts in the name of other financial institutions that have been mutually opened among the multiple financial institutions, and when the first server 20A of the first financial institution receives a first remittance instruction with the first financial institution as the remitter and the second financial institution as the recipient, it executes a first process of depositing the amount of funds specified in the first remittance instruction into the deposit account in the name of the second financial institution that the first server 20A has stored.

To execute a verification process of basic information 24 of customers who own deposit accounts of a financial institution 12.SOLUTION: A management service start processing unit 36 obtains consent to start the service in order to register basic information 24 with a financial institution 12. A management information generation processing unit 46 generates management information including consent information 62 indicating that consent has been obtained from a customer. A basic information acquisition control unit 44 executes a process of acquiring the basic information 24 of the relevant customer. Except for the initial time, the basic information is automatically acquired as needed so as not to place a burden on the customer. When no change has occurred in the basic information 24 acquired at the initial time, a notification indicating that there is no change is issued to the financial institution 12. When the basic information 24 has changed, the customer is requested to give consent again, and the changed basic information 24 is registered with the financial institution 12.SELECTED DRAWING: Figure 1

The invention relates to a computer-implemented system and method for receiving at a business an electronic person to business (P2B) payment from an individual. The method may comprise the steps of contacting an individual having a demand deposit account (DDA) to request the P2B payment in an amount that is due to the business; providing a designated electronic address for the business for receiving the P2B payment; identifying a reference number that is associated with the P2B payment; requesting the individual to use a P2B payment server to make the P2B payment from the individual's DDA account to the designated electronic address, wherein the P2B payment is associated with the reference number; monitoring the P2B payment server in real time to confirm receipt of the P2B payment; and using the reference number to apply the received P2B payment to the amount that is due to the business.

Systems and methods for real-time account access, allowing access to accounts (such as deposit, credit, or debit accounts) through network processing infrastructures such as Electronic Funds Transfer (EFT). In some embodiments, consumers and / or merchants are able to effect transaction requests against accounts, using a pseudo-Identifier or other identifier, and without the need to provide an account number or card number. In other embodiments, payment networks are able to route and process transaction requests against accounts, without having a card number or account number. In other embodiments, account processing systems are able to determine an appropriate account based on transaction requests that do not contain card numbers or account numbers.

Technologies for providing self-updating alert volume prediction include a compute device. The compute device may include circuitry configured to obtain historical alert data indicative of alerts produced by each of multiple money laundering scenario detection models associated with deposit accounts. Further, the circuitry may be configured to train, prior to producing a prediction, at least one alert volume prediction model with the obtained historical alert data. In addition, the circuitry may be configured to predict, with the at least one alert volume prediction model, a number of alerts to be generated by the money laundering scenario detection models over a future time period.

The invention provides a data processing method and device, equipment and a storage medium. Relates to the technical field of big data processing. The method comprises the following steps: acquiring deposit transaction data and loan transaction data from a bank deposit database and a loan database; taking each field in the deposit transaction data and the loan transaction data as an entity in a knowledge graph, and taking an association relationship of transaction participants in the deposit transaction data and the loan transaction data as a relationship in the knowledge graph to construct the knowledge graph; fund closed-loop detection is carried out on the knowledge graph, a risk fund closed-loop path is determined, and the risk fund closed-loop path is a fund path for the loan fund to flow into a deposit account having an association relationship with the loan account within a preset time range; and calculating a closed-loop strength index of the risk fund closed-loop path, and writing the clients whose closed-loop strength indexes exceed a risk threshold into a suspicious arbitrage client list table. According to the method provided by the invention, the identification efficiency of the fund idling arbitrage behavior is improved.

Various systems and methods for managing account-level control of game currencies and exchanges are described herein. A system for processing a transaction for a gaming deposit account at an issuing bank is configured to receive, from a payment network, an approval request message for a transaction related to an in-game asset; evaluate rules established by an accountholder of the gaming deposit account to approve or deny the approval request message, wherein the transaction includes a gaming platform identifier, a game identifier, or an in-game asset identifier, and wherein the rules to evaluate whether to approve or deny the approval request message are based on the gaming platform identifier, the game identifier, or the in-game asset identifier; and complete the transaction using the gaming deposit account when the approval request message is approved.

To provide a personal insurance passbook for realizing a storage service for automatically withdrawing money from one's own passbook and automatically transferring it to another one's own passbook every month in order to dissolve any troublesome work of rushing into an ATM with a plurality of passbooks in congestion immediately after a salary payment date, and repeating payment and reception work.SOLUTION: A depositor using my insurance passbook requests monthly automatic transfer from a main deposit account such as a salary receiving account to a single or a plurality of sub-deposit accounts journalized for each account title of the same depositor. The financial institution automatically transfers the amount designated by the depositor from the main deposit account to the sub-deposit account by a fixed amount every month. To cope with different financial institutions by a commission or the like. The amount of money to be automatically transferred to each sub-deposit account is set in advance by the depositor for each account title, based on the annual required amount for one month. To set a bonus combination as desired. Also, it is made possible to easily change the household budget in the middle without difficulty.SELECTED DRAWING: Figure 1-1

The present invention discloses a data processing method and device using a blockchain enterprise wallet, and relates to the field of computer technology. A specific implementation of the method includes: receiving a business processing request, obtaining digital asset transaction data according to the business processing request; determining the target document type to be generated and the corresponding enterprise wallet sub-account according to the transaction data; retrieving a template library to determine the document template corresponding to the document type and the document review process corresponding to the enterprise wallet sub-account; generating a target document based on the transaction data according to the document template, and reviewing the target document according to the document review process, so as to submit the corresponding digital asset transaction data to the blockchain network after the review is passed. This implementation method implements the operation of one-level document preparation and multi-level review according to a customized process, avoiding the situation where the enterprise digital assets are directly submitted without review, conforming to the current habit of enterprises operating bank public deposit accounts, and reducing operational risks.

The invention relates to a method and a device for classifying and calculating a current deposit account, which are used for respectively calculating and processing according to different classifications of the account by a system when the current account is subjected to depositing, drawing, interest settlement, interest rate preferential change, total score checking and the like.

The invention discloses a resource processing method, device and equipment, a medium and a product, and the method comprises the steps: displaying at least one resource transfer mode between a resource transfer-out object and a resource receiving object, and the resource receiving object is provided with at least two transition storage and management households; in response to selection of a target resource transfer mode in the at least one resource transfer mode, a resource transfer interface is displayed, and the resource transfer interface comprises account information of a first transition deposit account; when it is detected that the first transition storage and management account is in the inactive state, account information of the first transition storage and management account in the resource transfer interface is updated to account information of a second transition storage and management account; the second transition management account is a transition management account which is different from the first transition management account and is in a survival state; and in response to a resource transfer operation of the resource transfer-out object, displaying a resource transfer result obtained by carrying out resource transfer to the second transition storage and management account according to the target resource transfer mode. The reliability and success rate of resource transfer can be improved.

In some aspects, the techniques described herein relate to a method including: receiving, at a transaction decisioning platform, a customer pre-approval notification; receiving, at the transaction decisioning platform, a stream of transactions, wherein the transactions are associated with a demand deposit account and the demand deposit account is associated with a customer; receiving, at the transaction decisioning platform, a total finance amount for the customer; applying a transaction eligibility rule to each transaction in the stream of transactions; determining, based on application of the transaction eligibility rule, that one of the transactions from the stream of transactions is eligible for a credit product; determining, based on a customer eligibility variable, that the customer is eligible for the credit product; and including the one of the transactions from the stream of transactions on an eligible transaction list.

A method may include: a distributed application on a digital banking and payment platform receiving, via an API, a reserve funds instruction from a first transaction party to hold a balance in a blockchain deposit account, the reserve funds instruction comprising a reserve hold amount; the distributed application validating the reserve funds instruction; the distributed application generating a blockchain transaction payload for the reserve funds instruction; the distributed application submitting the blockchain transaction payload to a smart contract that maintains a distributed ledger, validates that the blockchain deposit account has available funds sufficient for the reserve hold amount, and creates a reserve funds hold on the reserve hold amount in the blockchain deposit account; the distributed application receiving, in response to a successful reserve funds hold, a confirmation event from the smart contract; and the distributed application generating a first reserve identifier for the reserve funds hold.

This application provides a method, device, storage medium, and system for allocating interest on bidding deposits, relating to the field of financial technology. The method establishes a binding relationship between bidding orders and deposit accounts, opens accounts, and uses a message queue to push transaction information containing account identifiers, bidders, and amounts in real time. Based on the information in this queue, each deposit transaction is accurately associated with the corresponding bidding order according to the account identifier, and its deposit information is updated. When a refund is required, the interest generated by each transaction is calculated based on this ledger, and the total interest due to each bidder is summed to determine the final refund amount including principal and interest. This method achieves precise and granular accounting for each fund in the bidding deposit pool from deposit to withdrawal throughout its entire lifecycle, avoiding interest mismatch and profit loss due to technical limitations.

Systems and methods for real-time account access, allowing access to accounts (such as deposit, credit, or debit accounts) through network processing infrastructures such as Electronic Funds Transfer (EFT). In some embodiments, consumers and / or merchants are able to effect transaction requests against accounts, using a pseudo-identifier or other identifier, and without the need to provide an account number or card number. In other embodiments, payment networks are able to route and process transaction requests against accounts, without having a card number or account number. In other embodiments, account processing systems are able to determine an appropriate account based on transaction requests that do not contain card numbers or account numbers.

Applicant has amended the specification to include an Abstract. No new matter is added by way of this amendment. Applicant submits that this amendment addresses each of the informalities requiring correction listed in the Notice to File Corrected Application Papers. If the Examiner believes, for any reason, that personal communication will expedite examination of this application, the Examiner is invited to telephone the undersigned at the number provided.No additional fees are believed due in connection with this submission. However, in the event that additional fees are due, the Commissioner is hereby authorized by this paper to charge any additional fees associated with this submission or credit any overpayment to Deposit Account No. 05-0840, Eli Lilly and Company, associated with Customer No. 25885. Such authorization includes authorization to charge fees for extensions of time, if any, under 37 CFR 1.17 and should be treated as a constructive petition for an extension of time in this submission pursuant to 37 CFR 1.136.