28 results about "Deposit account" patented technology

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.

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.

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.

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.

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 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.

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.

To provide a remittance control system, a remittance control server and a program for promoting the use of an inter-individual remittance service.SOLUTION: The money transfer control system inputs money transfer request information to a user terminal of a money transferor, transmits it to a money transfer source server, makes the money transfer source server determine whether a financial institution code related to a deposit account of a recipient constituting the money transfer request information corresponds to a corresponding financial institution code in which a money transfer fee is set to be free of charge and whether a money transfer amount is a predetermined amount or less, and when the conditions are satisfied, generates money transfer instruction information from the deposit account of the money transferor to the deposit account of the recipient based on the money transfer request information, transmits it to the money transfer processing server, makes the money transfer processing server generate withdrawal instruction information including withdrawal information for withdrawing the money transfer amount from the deposit account of the money transferor and information indicating that the money transfer fee is free of charge, transmits it to the money transfer destination server.SELECTED DRAWING: Figure 2

Disclosed are a prepayment loan system for an overseas platform-based profit creator using a withdrawal-restricted foreign exchange account for financial firm banking, and a method for providing same. A prepayment management server used in the prepayment loan system comprises: a communication unit serving as a communication connection path with a payment company or an affiliated store subscribed to a prepayment loan service; and a data processing unit for requesting transfer of prepayment funds from the payment company to the affiliated store within the limit of an amount to be paid to the affiliated store from a selling entity. Here, the affiliated store holds a deposit account allowing unrestricted deposits and withdrawals and a withdrawal-restricted foreign exchange account. According to the request of the data processing unit, the prepayment funds are deposited into the deposit account rather than the withdrawal-restricted foreign exchange account, and an amount to be paid from the selling entity is deposited into the withdrawal-restricted foreign exchange account from the selling entity after disbursement of the prepayment funds.

The present invention is an electronic money settlement method implemented by an electronic money business operator system that provides an electronic money service. The method comprises: managing, for each user who uses the electronic money service, an electronic money account of the user and a deposit account of the user by associating the electronic money account and the deposit account to each other; virtually setting the balance of the electronic money account to be linked to the balance of the deposit account; and requesting remittance processing to a financial institution system such that, in response to an electronic money settlement, the money amount for the settlement is directly remitted from the deposit account associated with the electronic money account to a deposit account at a financial institution of a beneficiary who should receive the money amount through the settlement.

The invention provides a deposit payment management method, which comprises the following steps of: acquiring a bank mother account of a bid invitation party based on bid information of an electronic transaction platform; based on the bank mother account of the bid invitation party, one or more pieces of deposit account information are established, and the deposit account information at least comprises deposit bank accounts and contact information; establishing an association relationship between a bid invitation party bank mother account and one or more deposit account information; and setting one or more preset conditions, and if the cash deposit account accords with the one or more preset conditions, sending collection information of the cash deposit account to a bank mother account of the bid invitation party. According to the invention, one or more pieces of deposit account information are established based on the bid information, so that the bank mother account of the bid invitation party cannot obtain the amount and quantity of the deposit at the first time, corresponding confidentiality can be effectively carried out on the condition of the bidder, and the confidentiality of the deposit is improved.

The object is to present a technical solution for a bank to disclose information on a deposit account directly to a third party. The owner of a virtual currency address or real-currency deposit account provides a disclosure key to a disclosee (third party). The third party accesses a disclosure server 6 by operating a disclosee terminal 7, and transmits a disclosure request with the disclosure key. The disclosure server 6 accesses to an opener bank server 1, 8, acquires the virtual currency address owner information or the instant real-currency deposit account balance information, transmits it to the disclosee terminal 7, and make it browsable on the disclosee terminal 7.

The invention relates to an optimization processing method for settlement of a bank live deposit account, and belongs to the technical field of IT development. According to the method, the current account and related data distribution are optimized, the interest settlement processing flow is optimized, and the database storage process and the parallel processing technology are used, so that the processing pressure of mass account data is effectively dealt with, the batch processing efficiency is improved, and the interest settlement processing of 10 million accounts can be completed within 10 minutes; meanwhile, through batch processing of concurrent dynamic resource scheduling, the stability and response speed of the system in a high-concurrency scene are ensured, smooth proceeding of interest settlement tasks is ensured, and the workload of operation and maintenance personnel is reduced.

A method of assessing risk of a negotiable instrument may include receiving a deposit inquiry from a depositing financial institution. The deposit inquiry may include a first routing number of an issuing financial institution, a first account number of a check issued by the issuing financial institution, a second routing number of a deposit account, and a second account number of the deposit account. The method may include retrieving risk factors associated with the first account number using the first account number and the first routing number and risk factors associated with the second account number using the second account number and the second routing number. The method may include providing the risk factors associated with the first account number to the depositing financial institution and providing the risk factors associated with the second account number to the issuing financial institution.

To provide a funding system which enables effective and flexible utilization of an upper funding limit of each store when funding against future store sales, improving user convenience thereby.SOLUTION: A funding system is provided, comprising: a reception unit for receiving a funding application from a user having identification information associated with multiple business entities; and a selection unit configured to select a funding deposit account according to the received application from among deposit accounts linked to the multiple business entities.SELECTED DRAWING: Figure 1

In the present invention, an exchange system 1 comprises a plurality of servers 20 used respectively by a plurality of financial institutions excluding the Bank of Japan. Each of the plurality of servers 20 stores information about a plurality of accounts, including deposit accounts which are in the name of other financial institutions and were mutually opened among the plurality of financial institutions. Upon receiving a first remittance instruction with a first financial institution designated as a remittance source and a second financial institution designated as a remittance destination, a first server 20A of the first financial institution executes first processing for depositing funds equal to the remittance amount designated by the first remittance instruction into a deposit account in the name of the second financial institution stored in the first server 20A.