45 results about "Merchant account" patented technology

A device may receive a preauthorization associated with missed transaction prevention for a transaction account of a user, wherein the missed transaction prevention involves preventing a missed transaction associated with merchant accounts of the user. The device may monitor a transaction log of the transaction account and identify a transaction pattern associated with a merchant account based on a plurality of historical transactions identified in the transaction log related to the merchant account. The device may determine that a historical transaction of the plurality of historical transactions is not designated for automatic execution and that an execution of an upcoming transaction corresponding to the plurality of historical transactions is not scheduled. The device may cause an account transaction associated with the upcoming transaction to be automatically executed before a transaction period expiration, associated with the merchant account, passes.

The invention relates to the technical field of hotel reservation systems, and particularly discloses a hotel reservation system and a bidding method for hotel reservation, and the hotel reservation system comprises a customer end module, a merchant end module, an order management module and a transaction execution module. The customer end module is used for receiving room use demand information input by a user, generating an order request and sending the order request to the order management module; the merchant end module is used for receiving the order request broadcasted by the order management module and feeding back an order receiving willingness according to the current empty room rate and a preset strategy; the order management module broadcasts orders to merchants meeting conditions according to the order requests and receives order receiving responses of the merchant end module; and the transaction execution module is used for generating a transaction contract after the merchant receives an order and broadcasting the transaction contract to the customer end module, and after the user agrees with the transaction contract and pays successfully, the transaction execution module deducts platform commission from the payment amount of the user and transfers the remaining amount to the merchant account.

A method for verifying transactions is discussed. The method includes receiving a transaction request for performing a transaction between a user account and a merchant account. The method includes determining, based on authentication of the user account, a common identifier associated with the user account, the common identifier indicating the user account being authorized for use at a plurality of merchant accounts including the merchant account. The method includes determining a payment token for performing the transaction, the determining the payment token based on the common identifier and a user associated with the user account. The method also includes providing the payment token for completing the transaction.

A device may determine that transaction account information, associated with a transaction account associated with a user, is to be updated. The device may identify a merchant account that is configured to use the transaction account for a transaction associated with the user and a merchant, and navigate, using a navigation model, a merchant portal associated with the merchant, to access the merchant account. The device may perform, using the navigation model and login credentials for the merchant account, a login operation to access the merchant account via the merchant portal, wherein the login credentials are stored in a credential mapping that indicates an authorization to update the transaction account information to permit the transaction account information to be used in association with the merchant account. The device may update, using the navigation model, a transaction setting of the merchant account to include updated transaction account information for the transaction account.

Methods, systems, and apparatus, including computer programs encoded on computer storage media, for discovery of and communication with nearby devices using direct radio signal communication. One of the methods includes receiving, by a payment service system, a message authorizing a payment from a user account to a merchant account, wherein the message was sent by a user device using direct radio signal communication to a nearby merchant device and forwarded to the payment service system by the merchant device. The message is decrypted to obtain a session token that authenticates the user device as being associated with the user account. If the session token is valid a payment transaction is conducted between the user account and the merchant account.

This invention relates to the field of digital service technology in the automotive aftermarket. It discloses a method for implementing free franchise integration and traffic generation services with instant settlement for car wash shops. S1: In response to a car wash shop's onboarding request, a merchant account is assigned to the shop, and service information uploaded by the merchant is received and stored. This service information includes shop navigation information, car wash service information, value-added service information, and electronic coupons. This invention adopts a free franchise model with zero franchise fees and zero security deposits, significantly reducing the entry barrier for small and medium-sized car wash shops. It helps shops access online traffic and expand value-added service revenue. Through real-time workstation monitoring and LBS location display, it solves information asymmetry and improves user experience. Intelligent appointment and workstation locking improve operational efficiency. Instant settlement after service and real-time fund arrival alleviate the financial pressure on shops. Dynamic pricing optimizes customer flow. The solution is simple and easy to implement, promoting industry standardization and digital upgrades.

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

The embodiment of the invention provides commodity consultation, commodity recommendation and commodity association methods and devices, equipment and a medium, the commodity consultation method is applied to a client corresponding to a first account, the method comprises the steps that an order function page of a purchased target commodity is displayed, and the order function page comprises a first consultation control; in response to a trigger operation for the first consultation control, displaying a dialogue page with a second account, the dialogue page including consultation feedback information of the second account for the target commodity, the target commodity being purchased by the first account based on a commodity recommendation page of the second account, the second account is different from the merchant account of the target commodity. Based on the scheme of the embodiment of the invention, the user experience of the user of the first account on the target commodity can be improved, and the return rate can be reduced.

The invention discloses a post-payment intelligent payment method and system based on pre-authorization supervision, and aims to improve payment security and user experience. The method comprises the following steps: firstly, collecting historical purchase behavior data and operation data of a target user, and constructing operation fingerprint features of the user under different purchase behaviors; through clustering analysis, historical purchase operation diversity indexes of the user in various purchase behaviors are calculated and determined, and behavior mode stability of the user is described. And then, real-time purchase operation data of the user is acquired, a real-time diversity index is calculated, and the current purchase risk level of the user is evaluated in combination with historical data. And according to the risk result, pre-authorization supervision control is carried out on the transaction between the user and the merchant account, so that a risk-controllable post-payment strategy is realized. The method can dynamically identify abnormal transaction behaviors, enhances the risk prevention capability of a payment system, and is suitable for various online and offline intelligent payment scenes.

A computer implemented method, system, and non-transitory computer-readable device usable in a mobile transaction environment. A customer scans a purchasing code (e.g., a quick-response (QR) code) using, for example, a mobile device. The QR code is encoded with a payment configuration ID and a merchant account token associated with bank account information for the merchant. Historical purchases for the customer, are analyzed in real time to alert a customer of potential duplicate purchases through a UI on the mobile device. The user may complete or cancel the current transaction by interacting with the UI.

The embodiment of the invention discloses a cooperative content processing method and device, equipment, a medium and a product, and can be applied to the technical field of data processing. The method comprises the steps of displaying a cooperation information page cooperating with a target merchant account in response to an identification operation of recognizable cooperation information for the target merchant account; and in response to the target published content determined based on the cooperation information page, adding the target published content to a to-be-promoted content list of the target merchant account, the published content in the to-be-promoted content list being used for content promotion. By adopting the embodiment of the invention, the efficiency of popularizing the content published by the user account by the merchant account can be improved.

A system and method for performing a transaction at a software-based POS system of a merchant includes receiving, from the software-based POS system, a payment authorization request message. A processor is programmed to extract a dynamic hashed security token from the payment authorization request message. In addition, the processor is programmed to validate the dynamic hashed security token and, upon validating the dynamic hashed security token, determine that the software-based POS system that transmitted the payment authorization request message is running a mobile POS software application. Furthermore, the processor is programed to extract the hardware identifier and the application identifier from the transaction data and compare them to account registration information stored with a merchant account. The processor then determines that the hardware identifier and the application identifier match with the account registration information and transmits the payment authorization request message to an issuer associated with the transaction card details.

The invention discloses a manpower collaborative employment settlement system, and relates to the technical field of employment systems, and the system comprises a commercial tenant terminal which is used for creating and managing commercial tenant accounts with hierarchical authority through dynamic role recognition, and is also used for initiating business operation; the server side is used for auditing the business operation initiated by the merchant side and storing merchant account information and free employee information uploaded by the merchant side; and the applet side is used for acquiring the authentication information of the freestyle employee, issuing the task in the business operation audited by the server side to the freestyle employee, and receiving the task submitted by the freestyle employee. Through the above mode, the employment process can be simplified, and the information security can be improved.

The invention belongs to the field of financial credit financing, and particularly relates to an order triggering type credit processing method and system based on a supply chain. The method specifically comprises the steps that S1, a merchant submits an order on a supply chain ordering platform; s2, the financial institution system obtains external risk data from an external risk database; s3, only when the external risk data does not hit the high-risk rule, the financial institution system calculates the credit line in real time according to the historical operation data; s4, the financial institution system examines and approves the payment amount, transfers the loan fund to a merchant account and automatically pays the loan fund to a designated payee; and S5, the financial institution system automatically deducts original interest funds, and after deduction succeeds, the credit line is automatically updated. According to the credit processing method and system, accurate real-time risk control is carried out based on industry data, credit funds are directionally used for payment of goods after being issued, and the financing problem is solved for small and micro merchants in a supply chain system.

Systems, methods, apparatus, and computer-readable media for providing transaction cards from a single access point to multiple merchants are described. For example, a method may include receiving a payment card number request, sending a contactless payment card upgrade authentication request to a user device, receiving encrypted authentication information obtained from a contactless payment card from the user device in response to the contactless payment card upgrade request, authenticating the encrypted authentication information received from the user device, and sending the authenticated encrypted authentication information to the user device. A token identifying a communication session established with a merchant is granted, which can enable continuous data exchange with the merchant, and using the token to identify a respective communication session established with the merchant, providing account information to the merchant to associate a respective merchant account with a user of the contactless payment card.

A computer-implemented method for communicating transaction data between mobile devices is provided, including: registering account data associated with a merchant account as corresponding to short message service (SMS) device data associated with a point of sale (POS) device and registering account data associated with a user account as corresponding to SMS device data associated with a user device; receiving transaction data associated with a transaction from the POS device via an SMS communication connection, verifying that the POS device and the user device are registered; in response to determining that an account balance of the user account is greater than a transaction authorization limit, sending a first confirmation message associated with the transaction to the user device via the SMS communication connection to confirm the transaction; and in response to receiving a first confirmation response associated with the transaction via the SMS communication connection, processing the transaction data.

The invention is a method for managing a payment transaction started as an EMVCo® transaction with a payment application (12) installed in a payment instrument (10) comprising a digital identity wallet (16) hosting an instant application (14). After transaction refusal, the issuer bank (30) sends to the terminal a configuration data requesting continuation by the instant application. The terminal sends to the issuer bank a terminal request (85) comprising a transaction identifier and a reference of a merchant account, and provides the payment instrument with the transaction identifier and the amount. The instant application sends to issuer bank an instant payment request (87) comprising a dynamic linking authenticator generated by the digital identity wallet. After both successfully verifying that the dynamic linking authenticator is valid and ensuring that the terminal request and the instant payment request are consistent, the issuer bank sends an instant payment order to the merchant bank.

A first electronic device may use a transaction authorization derived from a payment credential residing and provisioned on a second electronic device to perform a payment transaction with a merchant system on behalf of the second electronic device. The second electronic device may permit the first electronic device perform the payment transaction using the transaction authorization provided by the second electronic device. A user of the first electronic device may have a merchant account with the merchant system. A user of the second electronic device may utilize benefits (e.g., discounts, promotions) the user of the first electronic device is entitled to through the merchant account, while also gaining benefits (e.g., rewards points) of using the credential via the transaction authorization.

A computer implemented system and method are disclosed involving technological advancements in the processing of electronic transaction processing results. The system may comprise a computer apparatus implementing a checking account system, a savings account system, a merchant account and investment account on a funds management system, and one or more computer systems and mobile devices including a communication interface, processor, memory storing computer-executable instructions, and savings modules. Reward amounts may be calculated based on various techniques.

A system / method includes a processor configured to: generate, via a first machine learning (ML) model, a database query for chargeback dispute resolution for a financial transaction between a customer account and a merchant account; retrieve, using the database query, an account behavior description for one or both of the customer account or the merchant account; generate a dispute resolution prompt based on the account behavior description; submit the dispute resolution prompt to a second ML model comprising an LLM to generate a resolution recommendation; and approve or deny a chargeback corresponding to the financial transaction based on the resolution recommendation.

The present invention relates to the field of computers, and more specifically, to a data processing method, apparatus, processor, and computer program product. The data processing method includes: obtaining logged-in account data; determining the account type based on the account data; if the account type is determined to be manufacturer, prohibiting the account from viewing the data of accounts with other manufacturer accounts; and if the account type is determined to be merchant, prohibiting the account from viewing the data of accounts with other merchant accounts. By isolating accounts of the same account type, unhealthy competition caused by manufacturers or merchants viewing each other's product data can be avoided.

A method for settling cryptocurrency transactions, comprising entering a smart contract, on a crypto currency network, between a user and a service provider account (SPA), and another smart contract between the SPA and a merchant, the SPA associated with a service provider. Method may include determining whether to approve the amount for the transaction based on spending power associated with the user, the spending power calculated as a wallet balance associated with a user minus a card balance associated with the user, approving the request from the merchant based on the determined approval, updating, the card balance associated with the user and a merchant account balance, based on approving the amount for the transaction, and forwarding a new transaction request to the crypto-currency network to execute the smart contract, and initiating a token transfer on the cryptocurrency network by executing the smart contract.

Embodiments of the present disclosure provide a fund processing method and apparatus. The fund processing method comprises: in a fund processing process, acquiring a fund processing request submitted by a merchant device upon scanning a member code displayed by a member terminal within an institution service; on the basis of a fund verification rule associated with the member code, verifying an amount carried in the fund processing request; upon successful verification, transferring funds corresponding to the amount from a member account to a merchant account, and creating a fund refund item of an institution for an institution member; and upon detecting an invoice association instruction for the fund refund item, executing the fund refund item to return the funds from the institution account to the member account.

A computer-implemented method comprising receiving a payment request for a payment transaction from a consumer to a merchant using a payment account of the consumer. The method also can include at least one of evaluating fraud risk for the payment transaction based on an integration of (i) a verification that the consumer owns the payment account, and (ii) an authentication of the consumer and a verification of the payment request through a mobile device of the consumer; or processing the payment transaction using an FBO account to make funds from the payment transaction available to the merchant in an instant. Processing the payment transaction can include pulling funds from the payment account to the FBO account; and one of (i) transferring funds from a consumer ledger of the FBO account to a merchant ledger of the FBO account, and sending funds from the merchant ledger of the FBO account to a merchant account of the merchant, (ii) sending funds from the FBO account for consumers to a second FBO account for merchants, and sending funds from the second FBO account to a merchant account of the merchant; or (iii) sending funds from the FBO account to a DDA account for the merchant, and sending funds from the DDA account for the merchant to a merchant account of the merchant. Other embodiments are described.

An electronic payment system is for a merchant server to transfer funds from a purchaser account to a merchant account, the merchant server to send a merchant transaction identification (ID) and transaction information. The electronic payment system includes a mobile wireless communications device to send a purchaser transaction ID and purchaser account access information. A payment processor server is to receive the purchaser transaction ID and purchaser account access information, and is also to send the transaction information to the mobile wireless communications device if the merchant transaction ID matches the purchaser transaction ID. The mobile wireless communications device is also to send confirmation of the transaction information to the payment processor server. The payment processor server is also to effect a transfer of funds from the purchaser account to the merchant account based upon the confirmation of the transaction information and the purchaser account access information.

Provided are a system, method, and computer program product for an account-to-account transaction network. The method includes receiving, via a first application programming interface (API), a transaction request for a transaction including a transaction amount, an issuer identifier, and a merchant identifier. The method includes determining an issuer uniform resource locator (URL) based on the issuer identifier, generating an intent identifier associated with the transaction request, and transmitting the issuer URL and the intent identifier via the first API. The method includes transmitting the intent identifier, the transaction amount, and the merchant identifier to an issuer system associated with the issuer identifier via a second API. The method includes, in response to receiving an authenticated consent identifier from the issuer system, determining a merchant account identifier and an issuer account identifier, and transmitting a combined authorization and settlement message to cause settlement for the transaction amount.

A system and method for performing a transaction at a software-based POS system of a merchant includes receiving, from the software-based POS system, a payment authorization request message. A processor is programmed to extract a dynamic hashed security token from the payment authorization request message. In addition, the processor is programmed to validate the dynamic hashed security token and, upon validating the dynamic hashed security token, determine that the software-based POS system that transmitted the payment authorization request message is running a mobile POS software application. Furthermore, the processor is programed to extract the hardware identifier and the application identifier from the transaction data and compare them to account registration information stored with a merchant account. The processor then determines that the hardware identifier and the application identifier match with the account registration information and transmits the payment authorization request message to an issuer associated with the transaction card details.

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

The invention discloses a restaurant introduction method and system based on a shared power bank and related equipment. The method comprises the following steps: a first user terminal displays a login interface in response to a code scanning operation of a first user on a two-dimensional code on a power bank base station; the first user terminal responds to a login operation of the first user on the login interface and sends an account of the first user to the server; if the first user terminal receives first information from the server, the first user terminal displays a restaurant introduction configuration page, and the first information is used for indicating that an account of a first user is a merchant account associated with the power bank base station; the first user terminal sends restaurant introduction content configured by a first user to the server in response to a configuration operation of the first user on the restaurant introduction configuration page; the server sends restaurant introduction content to the power bank base station; and the power bank base station writes restaurant introduction content into the shared power bank in the card slot, so that the restaurant introduction content is played through the shared power bank when the user rents the shared power bank.

A method for verifying transactions is discussed. The method includes receiving a transaction request for performing a transaction between a user account and a merchant account. The method includes determining, based on authentication of the user account, a common identifier associated with the user account, the common identifier indicating the user account being authorized for use at a plurality of merchant accounts including the merchant account. The method includes determining a payment token for performing the transaction, the determining the payment token based on the common identifier and a user associated with the user account. The method also includes providing the payment token for completing the transaction.