26 results about "Disbursement" patented technology

A method guarantees funds from a buyer to a seller in conjunction with systematic or manual disbursement of funds. The buyer may transfer funds from a funding source into a holding account which may be locked to prohibit funds from being removed by the buyer. This guarantees fund availability to the seller. The seller may be allowed to view funds in the holding account or may be notified that the amount meets the agreement amount established between the buyer and seller based on the criteria of the product or service being rendered. Disbursement methods can be established via mutual agreement for the release of fund from a locked account of the buyer to the seller.

The invention discloses a supply chain financial asset right confirmation and risk control method based on block chain production data, and belongs to the field of financial science and technology and supply chain management. The system comprises an asset digitalization module, a risk monitoring module, a fund management module and a trusted data source module. The method comprises the steps of converting production data such as an order, a production progress and a quality inspection result confirmed by a core enterprise into a standardized digital asset voucher through an intelligent contract; a multi-dimensional risk control model is established based on real-time data of the Internet of Things, and asset risks are dynamically evaluated; and automatic issuing, recovery and risk disposal of financing funds are realized by using an intelligent contract. According to the invention, the traditional difficult-to-finance work-in-process inventory is converted into credible digital assets, the problem of difficult financing of small and medium-sized suppliers is solved, meanwhile, a real-time and credible risk control basis is provided for financial institutions, and full-process automation and risk controllability of supply chain financial services are realized.

Methods and processes can include disbursement and / or management and issuance of guaranteed preapprovals in real-estate transactions reordered as offers to purchase real estate property sold by seller

An adaptive orchestration platform routes quantum-computing jobs to optimal backends in real time. A broker service ingests a quantum job description expressed in a provider-agnostic canonical schema, polls status metrics for multiple candidate processors, and derives composite scores using machine-learned, user-weighted factors. The highest-scoring backend is selected, and the job is automatically translated into its native instruction format. Payment is secured by a blockchain escrow smart contract that releases segmented disbursements upon queue confirmation, execution start and verified completion against service-level parameters. Results are hashed to an immutable ledger and failures trigger automated re-routing or refunds.

This application relates to the field of artificial intelligence technology and discloses a method, apparatus, device, and medium for evaluating business conversion rates. The method includes: acquiring the identity information and pending business types of multiple target users within a preset time period, and forming a first user set by combining all the target users; determining preset business access conditions based on the pending business types, and removing target users in the first user set that do not meet the preset business access conditions to obtain a second user set; generating order information based on the identity information and corresponding pending business types of the target users in the second user set to interact with the corresponding target users; determining the final number of target users for loan disbursement based on the interaction results, and determining the business conversion rate based on the final number of target users for loan disbursement and the first user set. This application can improve the accuracy of business conversion rate tracking.

A method for creating traceability within a network system includes receiving, from a first computing system, a first account request message; receiving, from a second computing system, a second account request message; creating first and second tagged blockchain accounts on a blockchain that runs in parallel with a payment gateway service maintained by the processing server; receiving, from the first computing system, a disbursement request that identifies (i) an account identifier associated with the first tagged blockchain account, (ii) an account identifier associated with the second tagged blockchain account, and (iii) an amount of tagged funds; transferring the amount of tagged funds from the first tagged blockchain account to the second tagged blockchain account; and creating a genesis block on the blockchain that includes a unique identifier tag assigned to the received disbursement request and disbursement details associated with the disbursement of the tagged funds.

The invention discloses a cyclic loan and non-cyclic loan conversion processing method and device, and relates to the technical field of finance, and the method comprises the steps: obtaining a loan limit critical value of a customer according to the personal credit data of the customer and a preset loan limit critical value calculation model; the loan quota critical value calculation model is used for determining a loan quota critical value by using different types of personal data based on machine learning; determining cyclic loan and non-cyclic loan conversion suggestion information according to the current loan remaining loan limit and the loan limit critical value; pushing the suggestion information to a client terminal; receiving an instruction which is fed back by the client terminal and is used for determining conversion between cyclic loan and non-cyclic loan, and changing loan attributes of the client according to the instruction; according to the changed loan attribute, loan repayment information of the customer is generated; and pushing the loan repayment information to the client terminal. According to the invention, the problem that the cyclic loan and the non-cyclic loan cannot be converted in the prior art can be solved.

The invention relates to the technical field of electronic commerce, and particularly discloses a departure instant tax refund method and system, and the method comprises the following steps: 1, a user obtains a shopping invoice and a departure tax refund application form; 2, a user enters a tax refund program through a networking application program with a scanning function; 3, selecting a page display language of the application program; fourthly, the certificate information of the user is uploaded, and information confirmation is carried out; and 5, selecting a tax refund channel, binding a bank card for tax refund, and carrying out information confirmation. The method has the beneficial effects that through a B2C payment transaction channel based on card-based payment and on-line real-time payment of a card-holding third-party mechanism, tax refund money can be paid to a user bank card in real time, and the effect of top-speed refund is achieved; through the bank card pre-authorization and reclaiming technology, the security and instantaneity of tax refund issuing are enhanced, the pre-authorization is automatically relieved after the tax refund work is completed, and on the contrary, the paid tax is reclaiming.

The invention relates to the technical field of information, and particularly discloses a platform-based task issuing and management system and a settlement method. The system comprises a task management module which is used for supporting enterprise task publishing, personnel order receiving and task progress tracking; the personnel management module is used for providing personnel information registration, identity verification and credit evaluation; the fund settlement module is used for realizing batch import of commission issuing details, batch issuing of funds, billing data generation and billing application; the bank docking module is used for realizing stable docking with a bank system through a bank docking interface; and the electronic contract signing module is used for providing convenient signing of the electronic contract, the enterprise can quickly and conveniently release the task through the task management module, and the operation difficulty and the time cost are reduced.

This application discloses a method, apparatus, device, and storage medium for intelligent compliance management of fund accounts, relating to the field of financial technology. The method includes: acquiring initial configuration data and personalized fund processing rules, including interface authentication keys, revenue sharing rules, and compliance verification rules; accessing various fund channels based on the interface authentication keys to obtain standardized deposit data; constructing a virtual account system according to the revenue sharing rules, establishing a mapping relationship between virtual accounts and physical bank accounts to ensure that each business entity has a virtual account; performing compliance verification by combining standardized deposit data, mapping relationships, and various rules, and executing fund clearing, fee deduction, and subsidy disbursement to generate fund operation results; reconciling the fund operation results with bank transaction data to generate reconciliation records, and storing relevant operation logs as evidence to complete the entire process of compliance management. This application achieves fund collection, real-time monitoring, automatic revenue sharing under configurable rules, and compliance risk control.

The invention provides a fund supervision system and method based on the driving training industry. A server layer comprises a main server, a first container used for bearing business services, a second container used for bearing data synchronization services, a third container used for bearing interface adaptation services, and a fourth container used for bearing fund supervision services; the client layer comprises a student end device, a driving school end device, a bank end device and a supervision department end device; the student end device enables tuition fees paid by the student to flow into a fund supervision account, the driving school end device sends the training progress of the student to the collaboration layer for authenticity comparison, the collaboration layer sends a fund allocation instruction to the bank end device after successfully verifying the training progress, and the bank end device allocates funds in the fund supervision account to the driving school end device. And the fund transfer result is sent to the supervision department end device. According to the invention, full-process cooperation of registration-payment-training-payment-supervision can be realized, and the fund supervision efficiency is improved.

Described herein are a system and techniques for updating balance information for a disbursement module on a portable device using a transaction module on that same portable device. In some embodiments, each of the transaction module and the disbursement module may be associated with a different transaction processing system. A client device may be used to interact with the transaction module of the portable device via a communication element. In some embodiments, the client device may be configured to receive an account identifier from the transaction module, generate and transmit an authorization request message to an authorization entity, and upon receiving authorization from the authorization entity, cause the transaction module on the portable device to update a balance associated with the disbursement module.

A multi-platform escrow system for private construction projects is disclosed, providing robust deposit, verification, and dispute resolution functionalities. The invention integrates various payment methods—including online gateways, bank transfers, manager’s checks, and cash deposits—into a single escrow account. Contractors submit billing documentation through web portals, mobile apps, spreadsheets, or manual means, which a proprietary audit algorithm crossreferences against contractual milestones. The system features conditional disbursement that automatically withholds or releases funds based on compliance, augmented by a dispute resolution mechanism for contested milestones. Designed for nationwide adoption, this invention increases transparency, ensures accurate milestone-based payments, and mitigates the risk of misappropriation within the construction industry.

Aspects of the disclosure relate to digital check processing. A computing platform may receive a check image from a user device. The computing platform may configure, based on the check image, a digital check for use in conducting transactions between the user device and point of sale devices, which may include generating a QR code for the check. The computing platform may send, to the user device, the digital check, which may enable the user device to execute a transaction with a first point of sale device. The computing platform may receive, from the first point of sale device, a request to execute the transaction. The computing platform may direct an event processing server to process the transaction, which may cause the event processing server to execute a transfer of funds from an account of the initial payor to an enterprise account of the first point of sale device.

The invention provides a transaction processing method and device, and the method comprises the steps: carrying out the transaction type recognition of a transaction request of a user, obtaining a transaction type, and carrying out the recognition of a transaction type under the condition that the transaction type is in a transaction type set sharing a credit line, and carrying out transaction trigger detection on the transaction request by combining the quota distribution parameters under the transaction categories, the shared credit quota and the credit quota corresponding to the quota credit quota record of the transaction categories, so as to realize quota sharing and credit quota sharing of each transaction category through the shared credit quota.

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.

Disclosed are various embodiments for an integrated services experience. Various embodiments of the disclosure can receive a first request from a client device to prepare a disbursement to a target account. Various embodiments can then identify target account preferences that correspond to the target account. The target account preferences can include various disbursement methods accepted by the target account. Then, various embodiments can send a list of the disbursement methods accepted by the target account to the client device, which the client can choose a disbursement method and a disbursement amount. Various embodiments can then initiate a disbursement to the target account to receive the disbursement amount using the chosen disbursement method.

This specification discloses a method, device, and medium for managing the disbursement of preferential treatment funds based on digital identity. The method includes: obtaining attribute information of a veteran provided by an applicant user and sending the attribute information to a designated institution corresponding to the attribute information, so that the designated institution can authenticate the attribute information; after successful authentication, converting the attribute information into an attribute credential; updating the veteran's initial digital identity based on the attribute credential to generate the veteran's current digital identity, wherein the pre-generated initial digital identity is based on the veteran's personal information; and determining the veteran's preferential treatment fund level based on the attribute credential in the current digital identity, so that the fund disbursement department can disburse the corresponding preferential treatment funds according to the veteran's preferential treatment fund level. This reduces the operational steps for applicants, determines the eligibility for preferential treatment fund disbursement and the corresponding disbursement level through digital identity, and reduces the workload of the approval department.

A disbursement authorization data object processing system receives disbursement authorization data objects from a plurality of client devices. A real-time status reporting service is invoked to determine real-time status report data associated with the disbursement authorization data object. Using the real-time status report data, the disbursement authorization data object processing system invokes a disbursement authorization service to determine recipient instruction data which may include a recipient instructions status code. An disbursement instruction data object may then be transmitted to the client device that transmitted the disbursement authorization data object. The client device may facilitate the submission of additional documentation, selection of certain recipient instruction data, and / or the like to transmit to the disbursement authorization data object processing system in associated with a disbursement authorization data object.

To simplify transactions between financial institutions cooperating with each other through a dedicated line and to leave the same receipt and disbursement records as those of transactions using an existing dedicated line by executing payment and receipt transactions through a prescribed system.SOLUTION: The business entity device includes an information processing unit and a depositing and dispensing processing unit, the information processing unit includes an INET communication unit capable of communicating with the user terminal via the Internet, a user information storage unit that stores user information, a control unit that generates an instruction for the user terminal and the depositing and dispensing processing unit, and an in-device communication unit that communicates with the dispensing processing unit, the depositing and dispensing processing unit includes a BKNW communication unit capable of communicating with the financial institution device and an in-device communication unit capable of communicating with the information processing unit, the business entity device performs deposit and withdrawal from the financial institution through the BKNW communication unit according to an instruction from the user terminal, and stores the deposit and withdrawal in the user information storage unit.SELECTED DRAWING: Figure 1

The invention provides a loan parameter configuration method and related equipment, and belongs to the technical field of data processing, and the method comprises the steps: responding to a user registration request, and displaying a registration information input area in a new user registration interface; in response to the file signing request, displaying a to-be-signed file information display area and a signing confirmation control on a signing authorization file interface; in response to the quota application operation, displaying a loan product which can be selected by the user on a loan selection interface; in response to a selection operation on the loan product, displaying a selected loan product parameter; in response to the expenditure request, displaying an expenditure amount input area, a graphic verification code input area, a short message verification code input area and an expenditure confirmation control; and in response to the loan request, displaying a loan information input area on the loan information input interface, the loan information input area comprising a plurality of information boxes for the enterprise user to input loan information. According to the invention, the loaning process is visualized, and the user experience is improved.

The present application relates to the technical field of performing tracing, in particular to a flood storage area ecological compensation execution tracing processing method and system based on a block chain, comprising the following steps: extracting remote sensing data to generate a delay factor list, identifying an ecological trigger node to generate a calibrated node data group, constructing an account path structure to extract a boundary node, generating a permission mapping and a responsibility signature block, and writing into a responsibility tracking chain structure area. In the present application, the compensation disbursement behavior is logically accounted for through the time stamp and the hash record, the node tracking and continuity inspection of the fund disbursement path are realized, the time jump is identified and the boundary node is calibrated, then the operation permission matching is performed in combination with the contract permission table, the responsibility tracking structure chain is constructed step by step, the responsibility binding of the fund behavior node and the whole process signature trace of the disbursement behavior are effectively realized, the authenticity discrimination ability and the operation responsibility tracing ability of the compensation execution are enhanced, and the verification precision and the process integrity of the fund execution path are improved.

The invention provides a commission polling auditing system and method and a storage medium, and belongs to the field of risk management and control, the commission polling auditing system comprises a data interaction module, a process configuration module, a data analysis module and an auditing management module, the data interaction module is used for collecting a plurality of original auditing data; the process configuration module is used for obtaining to-be-processed process configuration data through a user configuration instruction; the data analysis module is used for performing exception analysis on the to-be-processed flow configuration data and all the original auditing data to obtain a data exception result; and the data interaction module is used for acquiring a data exception result and sending the data exception result to the auditing management module. According to the method, the defects that in the prior art, a fixed threshold value is rigid and lagged, process display is not visual, abnormal association tracing is low in efficiency, and abnormal information is not clearly guided are overcome, the accuracy, efficiency and usability of commission polling auditing are improved, the usability of operation is improved, and the method can meet the use requirements of multiple roles.

In an illustrative embodiment, systems and methods by which a computerized platform may interoperate with a web browser extension and a payment mechanism to permit an electronic multiparty funds disbursement transaction. The web browser extension may interoperate with a website visited by a user for the purpose of conducting a transaction, such as an online retail website. The web browser extension may introduce a mechanism for imposing certain constraints upon the transaction to ensure the integrity or security of the transaction. The web browser extension may interoperate with the aforementioned website so as to automatically conduct some or all of the steps associated with conducting a transaction thereon. In connection with such transactions, the systems and methods herein may use virtual payment card or other payment card that is devoted effectuating multiparty transactions of sorts contemplated herein.

The present application provides a data processing method, apparatus, system, device, storage medium, and product, relating to the field of financial technology or other related fields. The method comprises: storing transaction data corresponding to each transaction product in a transaction system and credit data of each user in a bank database in a blockchain; upon obtaining user application data, reviewing the user information indicated in the application data based on the credit data via the blockchain; determining the credit limit after the review is passed; determining the real-time status and pledgeable amount of the transaction product based on the transaction data; generating loan data; disbursing the loan after confirmation; and monitoring the real-time pledgeable amount of the transaction product via the blockchain in real time after the disbursement is successful. The transaction product and financing business are regulated based on the warning and disposal lines indicated by the real-time pledgeable amount and the loan data. The method of the present application improves data processing efficiency and further enhances the management efficiency and regulation accuracy of financing business.

A modular computer system allocates income payments for financial instruments based on the precise duration of investor ownership. An ownership ledger stores records for digital fractional ownership units, including investor identifiers and time-stamped ownership intervals. An allocation engine retrieves ownership data and income payment information from a custodial entity, calculates an income amount per fractional unit using a fractionalization factor, determines time-weighted proportional income amounts for units held during a payment period, and aggregates the results to obtain total income per investor. The engine generates structured, machine-readable payment instructions identifying the instrument, investor account, payment period, and computed amount, and transmits the instructions to a disbursement system that updates internal ledgers and electronically distributes payments. The system supports fixed and variable interest rate transactions, off-exchange trades, and centralized or blockchain-based ownership records.