135 results about "Electronic transaction" patented technology

The illustrative embodiments provide a data platform, system and method for utilizing carbon credits through blockchain-based tokenization. The platform receives carbon utilization data corresponding to at least one carbon credit and executes a smart contract on a blockchain network based on the received data. Execution of the smart contract generates one or more blockchain tokens that embed metadata including a hash of the carbon utilization data and a unique security identifier. The platform performs electronic transactions for the tokens by propagating transactions for distributed consensus, verifying token authenticity through comparisons with distributed-ledger records, or generating immutable electronic records indicating tracking information for the carbon credit. Records of the electronic transactions are stored in a distributed ledger as immutable entries linking token activity to corresponding carbon utilization data.

There are provided systems and methods for automated code generation using large language models (LLMs) for software platform integrations with computing services. An online transaction processor or other service provider may provide computing services and platforms to entities including merchants for electronic transaction processing and other account services. To provide for conde integrations of the computing services with software platforms of merchants, such as software systems for merchant websites and applications, the service provider may provide for an automated code generation tool that processes data for the software platform and the service to be integrated and provides recommendations and source code. An LLM may be prompted in parts to generate the code after analyzing legacy code from previous integrations and information for the merchant's software platform, and the merchant may be provided new code for testing and implementation.

There are provided systems and methods of bot detection through explainable deep learning and rule violation codebooks from generative AI. A service provider, such as an electronic transaction processor for digital transactions, may provide computing services to users for processing various requests and interactions with those users. However, malicious users may utilize bots, such as automated scripts and software applications, that attempt to conduct fraud, compromise systems and data, and the like. To provide better bot and bot activity detection, the service provider may implement an explainable deep learning system that may generate rule violations of rules indicating bot activity or presence in computing logs and interactions using a generative AI. The violations may have a corresponding explanation in codebooks to automate bot detection. When bot activity is detected, the explanation may provide a reason for the bot activity detection.

A computer system and method for tokenizing an IoT device is provided. The system comprises at least one processor and a memory storing instructions which when executed by the processor configure the processor to perform the method. The method obtaining device information, generating a credential token based on the device information, and processing an electronic transaction using the credential token.

A method for detecting fraudulent transactions may include receiving transaction data for a plurality of transactions, assigning a unique identifier to each transaction, sorting the plurality of transactions into a first plurality of groups of transactions by a first sorting parameter, assigning the unique identifier of a first transaction within each group to all other transactions within the respective group, sorting the plurality of transactions into a second plurality of groups of transactions by a second sorting parameter, assigning the unique identifier of a second transaction within each group to all other transactions within the respective group, determining whether each group of transactions is a sequence of fraudulent transactions, and upon determining that a group of transactions is a sequence of fraudulent transactions, marking each transaction among the determined group of transactions as potentially fraudulent.

Systems / methods which utilize machine learnt networks for efficiently proactively preventing an electronic data transaction processing system, such as an electronic trading system, from transitioning to an anomalous state which must be reverted, e.g., to unwind one or more processed transactions, or where further state changes must be restricted, e.g., by only allowing limited processing of subsequently received transactions, or prevented, e.g., the processing of subsequently received transactions is temporarily or permanently halted. Using a machine learnt network, the disclosed systems / methods are able to recognize both anticipated and unanticipated anomalous transactions which would result in an anomalous state reducing occurrence thereof and minimizing having to revert, pause or halt the electronic trading system while also minimizing the impact on the performance of the electronic trading system.

Systems and methods for executing real-time electronic transactions by a dynamically determined transfer execution date are disclosed. One method includes receiving, at an application programing interface (API) system, an electronic transaction request on a receipt date. The API system may identify a value associated with the electronic transaction request as well as a threshold settlement date. The value may then be compared to a predetermined threshold and at least one transaction network certified to process the electronic transaction request may be ascertained. The API system may project a processing time for each of the ascertained transaction networks. An optimal transaction network and transfer execution date may be determined based on comparison of the projected processing times to a timeline designated by the receipt date and the threshold settlement date. The electronic transaction request may be processed into a recipient account on the transfer execution date via the optimal transaction network.

Systems and methods for executing real-time electronic transactions by a dynamically determined transfer execution date are disclosed. One method includes receiving, at an application programing interface (API) system, an electronic transaction request on a receipt date. The API system may identify a value associated with the electronic transaction request as well as a threshold settlement date. The value may then be compared to a predetermined threshold and at least one transaction network certified to process the electronic transaction request may be ascertained. The API system may project a processing time for each of the ascertained transaction networks. An optimal transaction network and transfer execution date may be determined based on comparison of the projected processing times to a timeline designated by the receipt date and the threshold settlement date. The electronic transaction request may be processed into a recipient account on the transfer execution date via the optimal transaction network.

A system and method for end-to-end transaction management, for example, for a structured finance market. The system and method digitizes and deconstructs complex interconnected transaction documents. The system creates transparency around the complexities of the transactions, generating significant efficiencies for existing market participants and enabling access to previously hidden and / or inaccessible data. In some embodiments, the platform supports a selected ecosystem (compared to specific use-cases within a market vertical) with a seamless integration of frameworks and schemas for the organization and structure of provisions, analytical tools extracting the required data, and the creation of metrics to informatively assess and calibrate the market. The system advantageously creates a digital language providing a tool, which will further enable the digitization of the finance ecosystem.

The present invention provides an electronic transaction management system for providing a tip that enables the users who give tips and the tip recipient to send and receive tips, even when located away from each other; that provides tip distribution to a user randomly selected from all users; that can be expected to improve the interest due to the expectations for the distribution, and as a result, enhance the motivation for users to give tips; that enables increasing the strong sense of connection between the users and the tip recipients; and that enables elevating the mere act of giving tips to a kind of event. An object of the present invention is to provide an electronic transaction management system for providing a tip, the system comprising: a management server, the management server and a user device, wherein the management server comprises a distribution means for distributing an arbitrary percentage, an arbitrary amount, or other forms of an arbitrary tip transferred from the user device, to a recipient of distribution for the tip, a user selected randomly by the management server from all users giving a tip, and distributing the remaining percentage, the remaining amount, or other forms to the tip recipient or the like.

A computer-implemented method for performing facial biometric authentication is disclosed. The method comprises the following steps: storing a verification image of a user; receiving a vector representation of an original image of the user, where the original image is processed and a machine learning model is applied to the processed original image to determine the vector representation of features of the processed original image; determining a distance between the vector representation of the original image and a vector representation of the verification image, wherein the vector representation of the verification image is determined by a machine learning model of the same type applied to the processed original image; and outputting approval or rejection of biometric authentication based on the determined distance.

A system and method for categorizing electronic transactions are described. The system may execute instructions including receiving a first and a second transaction dataset, building a first and a second custom model by training the NLP model using the first and the second transaction dataset respectively, updating the first and the second custom model using a first part of a third transaction dataset to generate a first and a second tuned model, testing the first and the second tuned model using a second part of the third transaction dataset to obtain a first model performance score of the first tuned model and a second model performance score of the second tuned model, building a categorization model based on a determination that the first model performance score is greater than the second model performance score, and categorizing a latest transaction data to a corresponding category using the categorization model.

A system and method for card control includes a card control computing system configured to enforce a card control rule based upon transactions made with a payment card. The card control computing system includes a memory unit configured to store information associated with a card control dashboard, and a processing unit configured to identify that an attempted electronic transaction involving a merchant and a payment card of a user is an out-of-pattern transaction. The processing unit is further configured to generate a proposed card control rule responsive to identifying the out-of-pattern transaction and transmit the card control rule to a card control dashboard. The processing unit is further configured to receive a user input via the card control dashboard to activate or deactivate the proposed card control rule. Activating the card control rule restricts subsequent electronic transactions that violate the activated card control rule.

The disclosure herein describes handling tokenization requests associated with electronic transactions at a payment network at a throttled processing rate. Tokenization requests are received by tokenization stream brokers from request sources. The tokenization requests include primary account numbers (PANs) to be tokenized. The tokenization requests are then consumed from the tokenization stream brokers, at a request storage rate, for storage in a request data store. Tokenization operations are then performed, at a request processing rate, based on the tokenization requests stored in the request data store. The tokenization operations include providing at least the primary account numbers to be tokenized to issuers associated with the tokenization requests at issuer tokenization rates associated with the issuers, whereby the request processing rate is throttled for compatibility with capabilities of the system and the issuers without unnecessary limitations placed on request sources.

A wireless face-to-face bilateral communication method between at least two users of a service provider, each having a token device, and at least one having a user-defined profile, comprising: between a sending token device and a receiving token device, transmitting unique electronic transaction tokens between a consenting sending party and a consenting or optionally consenting receiving party wherein said transaction tokens may be used for single use, party-approved after-contact, computer-network facilitated access to each other's profile.

An exchange computer system includes: at least one communication interface; a crossing facility configured to perform operations of: retrieving portfolio data encoding asset positions, a current measurement of capital efficiency, and participant-configured transaction portfolio attributes for at least two participants, wherein the participant-configured transaction portfolio attributes comprise a goal of capital efficiency, a transaction cost limit, and portfolio limits for each of the at least two participants; and performing a crossing operation between the portfolios of two of the at least two participants so that the at least two participants can each set and forget the respective transaction portfolio attributes by: based on the portfolio data of the two participants, identifying a network of single-leg transactions; and in response to determining that executing the network of single-leg transactions would not violate the transaction cost limit and the portfolio limits of each participant, executing the network of single-leg transactions.

There are provided systems and methods for streamlined and privacy protected data flows for entity onboarding with online data platforms. An online transaction processor or other service provider may provide computing services and platforms to entities including merchants for electronic transaction processing and other account services. To onboard entities with the transaction processor, the transaction processor may provide a merchant or user-specific experience and recommendations using a conversational AI service and chatbot. An AI engine may be trained to engage with users via chat dialogue, which may interact with users during onboarding and / or account lifecycle events based on the available services and products of the service provider. An intent of the entity may be classified by the AI engine and may be used to generate a recommendation including an action plan or the like of activities or steps for the entity to take.

The present invention relates to a fastening device (1) for portable data carriers (2), in particular contactless electronic transaction cards, with a data carrier side (13) on which the portable data carrier (2) is to be arranged, and with a fastening side (14) on which the fastening device (1) is designed to be attached to an electronic device (3), such as a mobile phone, wherein an electromagnetic shield (11) is arranged at least partially between the data carrier side (13) and the fastening side (14), and an application arrangement (4) with a corresponding fastening device (1) and a portable data carrier (2) held on the data carrier side (13) of the fastening device (1).

There are provided systems and methods for automated updating of computing code for software platform integrations with computing services. An online transaction processor or other service provider may provide computing services and platforms to entities including merchants for electronic transaction processing and other account services. To provide for code integrations of the computing services with software platforms, the service provider may provide a tool where merchants may update legacy code integrations of the computing services on their software platforms to new computing code for new code integrations, such as to facilitate the use of new APIs, endpoints, and the like. The tool may provide mappings for legacy code parameters to new code parameters, which may each be associated with code limitations in the legacy code and new code integrations. Further, the tool may provide an automatic converter of the legacy code to the new code using these mappings.

This invention relates to data analysis technology and discloses a data lineage analysis method, comprising: acquiring raw data from real-time and offline data streams; identifying the data type of the raw data and selecting a preset parsing model based on the data type; parsing the raw data using the preset parsing model to obtain the data nodes, task nodes, and data flow relationships between each data node and task node; and constructing a lineage graph based on the data nodes, task nodes, and data flow relationships. Furthermore, this invention also relates to blockchain technology, allowing test reports to be stored on blockchain nodes. This invention also proposes a data lineage analysis method device, electronic device, and storage medium. This invention can improve the accuracy of lineage relationships for electronic transaction data.

The invention discloses an intelligent recommendation method based on an electronic transaction platform knowledge base and related equipment. The method comprises the following steps: constructing a clause consistency tension diagram based on clause pairs which are mutually restrained or potentially conflicted in a multi-constraint cluster indicated by a target bid invitation announcement, and endowing a conflict strength weight to a cross-cluster edge; on the basis of the performance record and the financial portrait of the bidding subject, querying the pressure-bearing parameter of the bidding subject to perform time sequence-resource joint solution according to the clause consistency tension diagram and the pressure-bearing parameter, and determining the solvable space volume, the pressure-bearing parameter cash turnover elasticity and the productivity scheduling tolerance from the registration day to the plan completion day; and under the condition that the volume of the solvable space is lower than a threshold value, outputting an enrollment risk prompt and parallelly indicating a conflict clause pair. The problem that bidding parties often need to consume a large amount of time and energy, project opportunities which conform to own qualifications and have competitive advantages are screened from massive fragmented information, and the information asymmetry affects the implementation quality and efficiency of purchasing targets can be solved.

Systems and methods for executing real-time electronic transactions by a dynamically determined transfer execution date are disclosed. One method includes receiving, at an application programing interface (API) system, an electronic transaction request on a receipt date. The API system may identify a value associated with the electronic transaction request as well as a threshold settlement date. The value may then be compared to a predetermined threshold and at least one transaction network certified to process the electronic transaction request may be ascertained. The API system may project a processing time for each of the ascertained transaction networks. An optimal transaction network and transfer execution date may be determined based on comparison of the projected processing times to a timeline designated by the receipt date and the threshold settlement date. The electronic transaction request may be processed into a recipient account on the transfer execution date via the optimal transaction network.

Aspects of the disclosure relate to systems and methods for performing operations comprising: receiving, by a client device implementing a messaging application, a request to access a display of a plurality of augmented reality experiences; retrieving a plurality of identifiers for each of the plurality of augmented reality experiences; determining that a given augmented reality experience of the plurality of augmented reality experiences is associated with an access restriction; in response to determining that the given augmented reality experience is associated with the access restriction, modifying a given identifier of the plurality of identifiers that is associated with the given augmented reality experience; and generating a graphical user interface to be displayed on the client device, the graphical user interface comprising the plurality of identifiers including the modified given identifier.

We provide the system. [Solution] Using data collection methods, electronic transaction information and paper-based transaction information are acquired. Using a generative model to analyze that data, we classify the transaction information. A means of automatically creating financial records, A means of evaluating household finances based on those financial records and providing financial management advice, Means of providing budget management and advice to support purchasing decisions, A system that includes simulation tools for setting long-term goals and proposing plans to achieve those goals.

To facilitate the integration of electronic receipt services with point programs offered by individual retailers. [Solution] In this embodiment, the server includes an acquisition means, a generation means, a storage unit, and an output means. The acquisition means acquires first identification information provided to the person who will receive the transaction receipt as an electronic receipt. The generation means generates second identification information based on some of the information constituting the first identification information. The storage unit stores the first identification information and the second identification information in association. The output means outputs electronic receipt data, which is an electronic version of the transaction receipt with the person, to a terminal, based on the first identification information associated with the second identification information corresponding to the person who will receive the transaction.

We provide the system. [Solution] A means for generating a customized learning program based on the user's learning progress and goals, A means of calculating and notifying the optimal review timing based on the forgetting curve, A means of analyzing users' learning progress and providing information to maintain feedback and motivation, To streamline financial transactions, a means of managing electronic transactions linked to learning plans, A system that includes means for implementing a reward system to provide compensation based on progress.

A method for processing a transaction using a transaction device of a user, carried out within an electronic transaction terminal called a transaction terminal, and includes at least one connection interface for connecting to at least one communication network. Such a method includes: determining the availability of a communication network recorded in a secure memory space of the terminal; receiving an instruction to carry out a transaction; and selecting from an online transaction component and an autonomous transaction component, a transaction component to be activated in accordance with the communication network availability, the autonomous transaction component being activated when any communication network is unavailable, and carrying out the transaction by means of the activated transaction component, the transaction components using a root component which executes basic functions common to the two transaction components, the functions of the root component being protected and only accessible when read by the transaction components.

Provide a system. 【Solution means】 Data processing means for receiving inquiries from users, Function to record the received inquiries in a storage device, Artificial intelligence function for performing analysis based on the recorded history data and customer information, Reply generation function for generating a response based on the analysis result, System function for providing the generated response to the user, Function to refer to the business information of corporate customers and provide e-commerce information, Function to instantaneously record and process inquiries using a real-time communication function, A system including the above.

We provide the system. [Solution] Means for creating digital information using communication devices, A means of authenticating the user's identity, A means for transmitting digital information, after user authentication has been completed, to identified receiving and supervisory authorities, A means for storing digital information in a cloud computing environment and for applying time stamps and electronic signatures, A means for recording the information confirmed when a receiving institution receives digital information, In electronic transactions, a means to automatically generate transaction records and store them in cloud storage as legal evidence, A system that includes this.