64 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.

There are provided systems and methods for an automated domain crawler and checkout simulator for proactive and real-time scam website detection. A service provider, such as an online transaction processor, may provide a domain crawler and checkout simulator that may be used to detect scam websites when registered and / or configured to utilize intermediary webpages of other domains to perpetrate fraud or scams on customers. The domain parser may detect new domain registrations and may parse through their corresponding websites to identify those that include checkout options or other processing flows that proceed through steps and use a service or feature of a service provider, including account usage for electronic transaction processing. The checkout simulator may then simulate a user's experience through the checkout to determine if domain redirections occur. If so, those redirections may be checked to identify usage of a merchant account having been flagged for scams.

Application integration for web payments is described. In an example, a peer-to-peer (P2P) payment platform can present, via a web browser, a merchant web page that includes an actuation mechanism for selection of a payment making platform for making a payment for a transaction. The peer-to-peer (P2P) payment platform detects interaction with the actuation mechanism and presents a prompt for a user identifier via the web browser. The peer-to-peer (P2P) payment platform sends the user identifier (which is associated with an account of the user) to the payment making platform and receives an indication of the user account from the payment making platform. Based on the indication and the transaction data, the peer-to-peer (P2P) payment platform transfers funds from a stored balance of the user to a merchant account of the merchant. The peer-to-peer (P2P) payment platform presents at least a portion of the transaction data.

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.

Methods and systems for access control in an online environment, such as an e-commerce platform. The system receives a designation of a non-fungible token (NFT) collection in connection with a merchant account, each NFT having a respective combination of attributes. An association is detected between a product record and a combination of two or more of the attributes and the system automatically generates an access rule with regard to the product record that is conditional on ownership of an NFT in the collection that has the combination of the two or more attributes. When a request for access is received, the access rule is applied to provide a user device with access to the one or more product records based on verification of the ownership by the user device of an NFT that meets the condition.

The present disclosure relates to systems, methods, and graphical user interface for facilitates un-registered merchant in registering and creating merchant account after receiving notification regarding receiving of payments by payment service provider or server on behalf of selected place associated merchant from one or more customers. In another embodiment enabling un-registered merchant to get payment from payment hold account to merchant's bank account. In another embodiment automatically creating merchant account, notifying merchant about creation of merchant account and authorizing merchant to access merchant account, link bank account with merchant account, transfer funds from merchant account to merchant's bank account. In another embodiment facilitating users to scan QRcode and make payment to unregistered merchant associated with user selected place and enabling merchant to get payment or register, create and verify merchant account and get payment.

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.

The invention relates to a resource transfer method and device, computer equipment, a storage medium and a computer program product. The method comprises the following steps: receiving a resource transfer request, and extracting merchant information, account information and a resource transfer amount in the resource transfer request; determining a merchant type based on the merchant information; obtaining at least one child account associated with a mother account indicated by the account information; matching the merchant type with the payment scene associated with each sub-account to obtain a target sub-account; and carrying out resource transfer according to the resource transfer amount based on the target sub-account and a merchant account indicated by the merchant information. By adopting the method, customized payment service can be provided for the user, the payment flexibility is improved, and transaction data can be better managed.

A system and method of performing a payment transaction in an augmented user experience displayed to a user of an augmented reality device. The system includes receiving a request for user authentication from a user, authenticating the user for performing payment transactions via a merchant application executed on the augmented reality device, receiving a request for payment to a merchant for an item offered for sale to the user in an augmented environment presented by the merchant application, processing payment in the payment amount between a payment account of the user and a merchant account, wherein the request for payment is performed without the user exiting the merchant application.

Methods and systems for access control in an online environment, such as an e-commerce platform. The system receives a designation of a non-fungible token (NFT) collection in connection with a merchant account, each NFT having a respective combination of attributes. An association is detected between a product record and a combination of two or more of the attributes and the system automatically generates an access rule with regard to the product record that is conditional on ownership of an NFT in the collection that has the combination of the two or more attributes. When a request for access is received, the access rule is applied to provide a user device with access to the one or more product records based on verification of the ownership by the user device of an NFT that meets the condition.

The embodiment of the invention discloses an information display method and device, equipment and a medium, and is applied to the technical field of Internet. The method comprises the following steps: displaying a commodity candidate page of a candidate commodity, wherein the commodity candidate page comprises a first candidate commodity area of a first merchant account; wherein the first candidate commodity area comprises account information of a first merchant account and a commodity information block of at least one first commodity, the first commodity is a commodity, to be transacted with a target account, of the first merchant account, and the at least one first commodity comprises a target commodity added to a candidate commodity in a live broadcast room of the target live broadcast account; the commodity information block of the target commodity comprises a target live broadcast entrance; and in response to a trigger operation for the target live broadcast entrance, displaying target live broadcast content of the target live broadcast account, the target live broadcast content being used for explaining the target commodity. By adopting the embodiment of the invention, the viewing convenience of the related information of the commodities purchased from the live broadcasting room can be improved.

A method and apparatus for a commerce platform providing proof of application ownership of a network distributable application are described. The method may include receiving a request to approve an application developed by a merchant system, wherein the application includes an application programming interface (API) component, a software development kit (SDK) component, or a combination thereof provided by the commerce platform to the merchant system. The method may also include generating a unique identifier (ID) for the application to be included as metadata within the application. Furthermore, the method may include obtaining, from an application information system, data describing the application, and extracting an ID from metadata in the data obtained by the application information system. Then, the method may include that in response to determining that the ID extracted from the metadata matches the unique ID, associating the merchant with the application in a merchant account at the commerce platform and approving the application for interacting with the commerce platform.

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.

The invention discloses a processing method, device, equipment and system for an electronic coupon of a specific service and a medium, and belongs to the technical field of payment. The method comprises the steps that after a channel side platform completes electronic coupon operation processing, electronic coupon processing information is obtained and synchronized to a business qualification management platform, electronic coupon operation processing corresponds to a specific business, and the electronic coupon processing information comprises user identity information, commodity information, merchant information and electronic coupon information; according to the to-be-audited data of the specific business uploaded by the merchant equipment, acquiring business reconciliation information associated with the to-be-audited data; and carrying out authenticity verification on the to-be-audited data based on the business reconciliation information, and dialing subsidy resources to the merchant account according to the business reconciliation information under the condition that the authenticity verification is passed. According to the embodiment of the invention, the security of a specific service for providing subsidy resources can be improved.

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.

A method and apparatus for a commerce platform providing proof of application ownership of a network distributable application are described. The method may include receiving a request to approve an application developed by a merchant system. The method may also include generating a unique identifier (ID) for the application to be included as metadata within the application. Furthermore, the method may include obtaining, from an application information system, data describing the application, and extracting an ID from metadata in the data obtained by the application information system. Then, the method may include that in response to determining that the ID extracted from the metadata matches the unique ID, associating the merchant with the application in a merchant account at the commerce platform and approving the application for interacting with the commerce platform.

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.

The invention relates to a geolocation-based payment system (100) that comprises at least one user device (102) equipped with a geolocation sensor to determine the user's current location and a payment application to facilitate transactions The system (100) also includes a server (106) that manages user and merchant accounts, transaction data, and communication. A processing module (104), connected to the user device (102) and the server (106) via a wireless communication network (110), is configured to receive geolocation data from the user device (102), compare it with predefined geofenced areas associated with registered merchant locations, retrieve a dynamic merchant identifier for the detected area, and transmit it to the user device (102). This setup enables the user device (102) to complete payment transactions without requiring interaction with a physical merchant device such a POS terminal or a QR code.

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.