43 results about "Merchant services" patented technology

Apparatuses, methods, and systems for detecting changes in customer behavior are disclosed. One method includes detecting customer action data, receiving, by a marketing platform server, the customer action data over a period of time, determining, customer parameters including a mean, and a standard deviation of the customer action data, generating a normalization value when the standard deviation is detected to be less than a deviation threshold, calculating, by the marketing platform server, a value of deviation from expectation based at least on the mean, the normalization value, and a noise factor, calculating a current cumulative sum value of the customer action data based on a prior cumulative sum value and the value of the deviation from expectation, comparing the current cumulative sum value with a threshold, and generating an electronic communication for the merchant server when the current cumulative sum value satisfies a compared condition with the preselected threshold.

The invention relates to the field of artificial intelligence shopping, in particular to a shopping mall system of an intelligent search interest recommendation algorithm, which comprises a registration and login module used for selecting a login identity and a login mode and inputting login information; the factory cloud supply module is used for updating and deploying the commodity supply information in real time; the merchant service module is used for managing commodity orders, counting service of buyers and analyzing sold commodities; the promotion and distribution module is used for carrying out advertisement putting and promotion activity promotion based on a digital transmission channel, and is also used for helping merchants to carry out management setting on distributors and formulate distribution levels, regional distribution and shareholder bonuses; the financial module is used for providing balance and points of shop members for merchant users and providing commission calculation and commission withdrawal; according to the invention, the enterprise operation efficiency is improved, the cost is reduced, the brand influence and market competitiveness are improved, and an efficient, intelligent and integrated business management system is realized.

The embodiment of the invention provides a payment processing method and device, equipment, a medium and a product. The method comprises the following steps: acquiring a payment processing request; the payment processing request is used for requesting to process a transaction between a target consumer and a target merchant; based on the payment processing request, generating a right query request containing first identification information of the target consumer; sending the right and interest query request to a merchant server; obtaining a right deduction amount which can be enjoyed by the target consumer and is fed back by the merchant server; determining an actual payment amount corresponding to the payment processing request based on the right deduction amount and an order amount included in the payment processing request; and processing the payment processing request based on the actual amount to be paid. And the merchant server is inquired about available rights and interests through the payment server, so that the consumer does not need to manually get the coupon, and the user experience is improved.

The disclosed computer-implemented method may include generating an interface code configured to connect to a payment server and generating, in response to loading a merchant website hosted on a merchant server that integrates the interface code, a payment interface with the interface code. The interface code may bypass the merchant server to connect to the payment server. The method may also include completing a payment using the payment interface that bypasses the merchant server to connect to the payment server. Various other methods, systems, and computer-readable media are also disclosed.

A marketplace network for facilitating transactions among a plurality of marketplace participants. The marketplace network includes a plurality of service provider systems associated with respective service provider participants. Each of the plurality of service provider systems are communicatively coupled to a respective merchant server. The marketplace network includes a plurality of user systems associated with respective user participants configured to generate a service request to one of the plurality of service provider systems. The marketplace server facilitates transactions digitally by executing a set of computer-executable tasks for securely processing transactional exchanges among the marketplace participants. The transactional exchanges include at least exchanges of ownership rights for digitally stored data at least in part owned originally by the user participants.

Systems and methods provide for integrating a wallet client with federated directory services are disclosed herein. By integrating merchant services, such as directory services with a wallet service provider, wallet clients on mobile devices can have access to all merchant listings without having to manually add each directory service. The system disclosed herein integrates Chamber of Commerce directory service listings with the wallet client, such that when a request for a merchant directory service is received from a device associated with the wallet client, the request is forwarded to a federated directory service wallet system interface operated by a Chamber of Commerce site. Supply chain data that matches the request, and location information that is included in the request, is then fetched from the federated directory service wallet system interface and forwarded to the device that sent the request.

The present invention relates to a method for implementing a transaction with a merchant server (2) involving the verification of at least one criterion relating to an attribute of the identity of an individual at the origin of said transaction, characterized in that it comprises the implementation by data processing means (21) of said merchant server (2), of steps of: Receiving from a terminal (1) of the individual a first set of verifiable identifiers (VP1) including at least one unique verifiable identifier for the implementation of the transaction, called the main verifiable identifier, and a verifiable identifier relating to said attribute of the identity of said individual but not necessary for the implementation of said transaction, called the secondary verifiable identifier, said first set being signed by the client terminal (1); Verifying: said signature of the first set of verifiable identifiers;the validity of each verifiable identifier of the first set of verifiable identifiers; each criterion relating to an attribute of the identity of said individual based on said verifiable identifier relating to said attribute of the identity of said individual; Transmission, to a validation server (3) of the transaction, of a second set of verifiable identifiers (VP2) including said main verifiable identifier and a verifiable identifier relating to said merchant [Fig. 1];

A computer-implemented method comprising receiving a transaction request from a merchant server. In response to receiving the transaction request, the method includes requesting authentication from a computing device associated with a user payment account and a requesting that a merchant re-submit the transaction request. The method includes receiving an authentication parameter from the computing device, and determining that the authentication parameter matches an authentication parameter of the user payment account. The method includes receiving a re-submission of the transaction request from the merchant server and, based on the determination that the authentication parameter received from the computing device matches the authentication parameter associated with the user payment account, approving the transaction request.

Embodiments of the present application provide an information recommendation method and device, a server and a storage medium. In the method, a business server obtains an encryption policy result of each to-be-processed user according to a policy processing request, a target user representation set and encrypted behavior feature information of an associated user sent by a merchant server, and then returns the encryption policy result to the merchant server. When it is detected that a to-be-recommended user is in a recommendation scenario, the to-be-recommended user is recommended information according to the policy result corresponding to the to-be-recommended user obtained from the merchant server. The technical solution uses rich user association information in the business server and uses behavior feature information of the user in the merchant server, avoids user plaintext data export and leakage, solves the data island problem and ensures data compliance, can mine user hidden consumption potential on the premise of ensuring data security, and improves information recommendation accuracy.

The present invention relates to a method for implementing a transaction with a merchant server (2), the transaction involving verification of at least one criterion related to the attributes of the identity of the individual initiating the transaction, characterized in that the method comprises the following steps performed by a data processing device (21) of the merchant server (2): (b) receiving a first set of verifiable identifiers (VP1) from an individual's terminal (1), the first set of verifiable identifiers comprising at least one unique verifiable identifier for implementing the transaction (referred to as a primary verifiable identifier) ​​and verifiable identifiers related to the individual's identity attributes but not necessary for implementing the transaction (referred to as secondary verifiable identifiers), the first set of verifiable identifiers being signed by a client (1); (c) verifying: the signature of the first set of verifiable identifiers; the validity of each verifiable identifier in the first set of verifiable identifiers; each criterion related to the attributes of the individual's identity, performing verification based on a function of the verifiable identifiers related to the attributes of the individual's identity; (d) sending a second set of verifiable identifiers (VP2) to a verification server (3) for verifying the transaction, the second set of verifiable identifiers comprising the primary verifiable identifier and a merchant-related verifiable identifier.

The invention discloses an intelligent payment service charge pricing engine, which comprises the following steps of S01, acquiring network access registration information of a merchant, and configuring a basic service charge package according to the registration information; s02, according to the pricing parameter or / and the user data analysis condition, determining a merchant service fee package; s03, carrying out service charge calculation regularly according to the service charge package of the merchant; s04, performing confirmation by bank management personnel based on the total commission fee calculated and obtained by the commission fees in the above steps; and S05, according to the service fee package and the total service fee, performing reduction or return processing according to the cedar service fee. The intelligent payment service charge pricing engine provided by the invention not only can stimulate the commercial tenant to continuously improve the operation condition of the commercial tenant, but also can save the marketing cost of the bank, exert the maximum value of the same resources and bring high-quality commercial tenants to the bank.

There is provided systems and method for offline ecommerce purchases using an item catalog for a user. A user may receive a catalog of items from a server, such as a merchant server and / or payment provider server, at a user device while the user device is connected to a network. The catalog of items may be transmitted to the user prior to the user entering an offline mode with the user device, where the user device is no longer connected to the network. While the user device operates in the offline mode, the user may browse the catalog and select items to purchase. On a future connection to the network, the user device may transmit a purchase request for the selected items to the merchant server and / or payment provider server.

The invention belongs to the field of payment security assessment, relates to a data analysis technology, and is used for solving the problem that an existing payment security assessment system cannot effectively identify payment security in combination with payment business and payment network data during payment, in particular to a payment security assessment system suitable for a network merchant service platform. Comprising a payment security evaluation center which is in communication connection with a payment service analysis end and a payment network analysis end. The payment service analysis end comprises a payment service monitoring module, a user management module and a payment service evaluation module; the payment network analysis end comprises a payment network monitoring module and a payment network evaluation module; the payment service behavior of the user is analyzed through the payment service analysis end, the network environment condition is analyzed through the payment network analysis end, the payment safety is graded through the payment safety evaluation center in combination with the payment service and the payment network, and it is guaranteed that the payment safety level can be accurately evaluated and the payment risk can be coped with.

The invention discloses a web link transformation method, a web link use method and a related device, and relates to the technical field of computer networks. Comprising the following steps: generating a plurality of modified configuration files based on configuration files of a plurality of application programs of a merchant service center system and a load balancing address of a web server; determining a plurality of target web servers based on the load balancing addresses of the web servers; and adding Nginx in front of each target web server as a reverse proxy server. Therefore, the load balancing address of the web server is utilized to replace the address of the server of other systems in the bank in the original application program configuration file, such as the aggregation payment system, so that the decoupling of the merchant service center system and the aggregation payment system is realized; and therefore, the problem of unstable working state of the merchant service center system caused by faults of other systems can be reduced, and potential fault risks can be eliminated.

The invention is suitable for the technical field of material transportation management, and provides a take-out delivery management distribution encryption system and method based on a smart community, and the system comprises a user interaction terminal, a cloud collaborative scheduling server, a merchant server, a rider mobile terminal, an internal distribution station cloud total server, an internal distribution station management terminal, and an internal distribution personnel mobile terminal. According to the method, privilege processing is carried out on an original order through a cloud server, and different view data for merchants, riders and community internal systems are generated; and the rider only delivers to the community internal distribution site, and the authenticated internal distribution personnel completes final door-to-door delivery. Therefore, according to the invention, through multi-node authority information processing, the exposure of private information such as a user address on an external distribution link can be fundamentally avoided; and meanwhile, full-time distribution personnel familiar with the community environment are utilized, so that the tail-end distribution efficiency and accuracy are remarkably improved, and safe and convenient delivery services can be ensured to be realized in various scenes.

A marketplace network for facilitating transactions among a plurality of marketplace participants. The marketplace network includes a plurality of service provider systems associated with respective service provider participants. Each of the plurality of service provider systems are communicatively coupled to a respective merchant server. The marketplace network includes a plurality of user systems associated with respective user participants configured to generate a service request to one of the plurality of service provider systems. The marketplace server facilitates transactions digitally by executing a set of computer-executable tasks for securely processing transactional exchanges among the marketplace participants. The transactional exchanges include at least exchanges of ownership rights for digitally stored data at least in part owned originally by the user participants.

A merchant device provides merchant data to a customer device. The merchant data cause a mobile application to launch on the customer device. Customer authentication data are received at a merchant server from the mobile application on the customer device. A customer is authenticated at the merchant server as a function of the customer authentication data. A line of communication is maintained between the customer device, the merchant server and the merchant device.

1. Name of the design product: Mobile phone with merchant service user interface for charging piles (Junyuechong). 2. Use of the design product: Running programs. 3. Key design points of the design product: The graphical user interface of the mobile phone. 4. Picture or photo that best shows the key design points: Front view. 5. The mobile phone has a conventional design, and the rear view, left view, top view, bottom view, and right view are omitted. 6. Use of the graphical user interface: For merchant services of charging piles. 7. Description of the change states of the graphical user interface: Click the "Workbench" menu at the bottom in the front view, and it will jump to the interface change state diagram 1, which is the main function interface. Click the "Operation and Maintenance Management" module on the interface change state diagram 1, and the page will jump to the interface change state diagram 2 to view the statistical panel and entry for the inspection and inventory of the charging pile merchant. Click the station inventory module on the interface change state diagram 2, and the page will jump to the interface change state diagram 3 to view the list of power stations to be inventoried. Click the inventory button for a certain power station to be inventoried, the page will jump to the interface change state diagram 4, swipe up, the page will change to the interface change state diagram 5, and click the submit button at the bottom to complete the inventory. Jump to the interface change state diagram 6 to view the inventoried records.

1. The name of the design product: graphical user interface of lower price merchant service recommendation module for electronic device. 2. The use of the design product: for an electronic device. 3. The design points of the design product: in the graphical user interface. 4. The picture or photo that best indicates the design points: design 1 front view. 5. Design 1 is designated as the basic design. 6. The use of the graphical user interface: for displaying the related information of the owner service function display and the lower price merchant service recommendation module. 7. The human-computer interaction mode of the graphical user interface: design 1 front view is the main interface view, which enters design 1 interface change state diagram after design 1 front view page is loaded; design 2 front view is the main interface view, which enters design 2 interface change state diagram after design 2 front view page is loaded. 8. Other circumstances that need to be explained: the gray blocks in each view page are the content of the picture.

The invention provides an information response method and device, electronic equipment and a storage medium, and the method comprises the steps: obtaining target user information sent by a target user, and calling a target large language model to generate a structured instruction corresponding to the target user information, and according to the structured instruction, calling a corresponding structure in the merchant service platform to obtain corresponding target data information, inputting the target data information into the target large language model, obtaining a corresponding target response text generated by the target large language model, and returning the target response text to the target user. According to the method, the target user information is understood by using the target large language model, the corresponding structured instruction which can be understood by a machine is generated, and the large language model can understand a relatively complex natural language text, so that the format limitation on the target user information is reduced, and the response flexibility, success rate and efficiency of the target user information are improved. And the whole process is completely automatically carried out without manual intervention, so that the merchant information response efficiency is further improved, and the labor cost is reduced.

1. Name of the product of this design: Graphical user interface for displaying merchant service information on the car life service platform of an electronic device. 2. Purpose of this design product: for use in an electronic device. 3. The key design point of this appearance design product lies in the graphical user interface. 4. The picture or photo that best illustrates the key points of the design: main view. 5.Purpose of the graphical user interface: It is used as an interactive interface for displaying merchant coupons, user reviews and other information on the car life service platform. 6. Human-computer interaction method of the graphical user interface: The main view is the interface for displaying merchant information details, and interaction can be performed by sliding and clicking. Slide the main view upward to enter the change state diagram 1, change state diagram 2 and change state diagram 3 in sequence. 7. Other situations that require explanation Other explanations: The gray rectangular diagonal area in each view is the content screen. The "×" in each view represents text and / or numbers.

Systems and methods provide for integrating a wallet client with federated directory services are disclosed herein. By integrating merchant services, such as directory services with a wallet service provider, wallet clients on mobile devices can have access to all merchant listings without having to manually add each directory service. The system disclosed herein integrates Chamber of Commerce directory service listings with the wallet client, such that when a request for a merchant directory service is received from a device associated with the wallet client, the request is forwarded to a federated directory service wallet system interface operated by a Chamber of Commerce site. Supply chain data that matches the request, and location information that is included in the request, is then fetched from the federated directory service wallet system interface and forwarded to the device that sent the request.

This invention discloses a personalized discount recommendation system based on big data user consumption and merchant habits, belonging to the field of computer information management technology. It includes a merchant service platform, as well as an operation management component and a data processing component. The operation management component acquires relevant operational data from the merchant service platform, cleans it, and categorizes it into interest-related data, discount-related data, and comprehensive data, which is then sent to the operation identification component. This invention constructs a full-link computational logic from basic user characteristics to discount adaptation and comprehensive decision-making, solving the common problems of inaccurate user profiling and weak scenario adaptation capabilities in traditional recommendation systems. It achieves the core objective of "pushing the right business discounts to the right users at the right time," providing a complete and implementable technical solution for personalized discount recommendations in multiple business scenarios, and promoting the development of this field from extensive push to refined, dynamic, and multi-objective balanced approaches.

A dynamic banner may be displayed in a merchant check out page sourced from a merchant server that may be customized to a particular user and / or merchant. The dynamic banner may be provided by a transaction server and may invite the user to select an offer. In response to the user's interaction with the banner, the characteristics of the merchant check out page may be changed, for example, a product may be discounted, and / or a new transaction account may be issued to the user by the transaction account provider server and used to complete the checkout process. In this manner, the merchant server and the transaction server may interact with a user within a single web page.

The invention discloses a resource authority control method and device, and relates to the technical field of electronic commerce. A specific embodiment of the method comprises the following steps: determining effective user demand information, wherein the effective user demand information indicates a service type required by a user and an area specified by the user; according to the service type and the area, sending the effective user demand information to a target merchant system end corresponding to the service type and the area; receiving a service state corresponding to the user synchronized by the target merchant system end; obtaining user feedback data according to the service state; and according to the service state and the user feedback data, controlling the authority of the target merchant system end about obtaining the user resources. According to the embodiment, the service quality of the merchant is effectively controlled, and the authority of the merchant system side for acquiring the user resources is controlled according to the service quality of the merchant, so that the consumption experience of the user is improved.

The invention relates to the technical field of intelligent cooling, in particular to a home decoration order processing method, system and device and a storage medium, and the method comprises the steps: extracting key features to generate order feature vectors when a home decoration order of a client is received; based on the order feature vector and a preset merchant service radius library, screening out a first merchant set capable of serving a target area; based on the order feature vector, a preset merchant capability model and a collaborative filtering algorithm, performing construction capability and historical service evaluation matching analysis on merchants in the first merchant set, and generating a matched merchant list; sending an order receiving task notification to a merchant end in the matched merchant list; when the merchant end confirms order receiving, the order state is updated, and a construction plan is generated; and sending an order receiving confirmation book to the client and scheduling construction. The method has the effects of high-configuration and high-use and low-configuration and low-demand home decoration orders.

The invention is a method for managing a payment transaction in which a merchant server (10) gets payment parameters (21) specific to a payment instrument (20) which is either of a first type for which a dynamic card security code (55) is delivered to the user only after a successful strong customer authentication of the user, or of a second type for which the dynamic card security code is delivered to the user without a successful strong customer authentication. The merchant server requests a 3DS authentication by sending to an ACS (40), an authentication request (101) comprising a subset of payment parameters. The ACS checks if the payment instrument is of the first type by using the subset and, if so decides to continue the payment transaction without performing the 3DS authentication on the payment instrument and sends back an authentication response (402) reflecting an agreement to pursue the payment transaction.

Systems and methods facilitate automated e-commerce checkouts using artificial intelligence (AI). An AI component, implemented via a processor and memory, processes content originating from a merchant server and presented on a client device, where the content identifies a purchasable item. The AI component also processes user data reflecting historical behavior or preferences. Based on analyzing the content and user data, the AI component determines if a predefined trigger condition for offering automated checkout is met. If the condition is met, a selectable interface element representing an automated checkout option is presented via the client device. Upon receiving user selection of the element, the AI component performs an operation.

The invention discloses a commercial tenant service method and system based on digital twinning, relates to the technical field of commercial tenant services, and solves the problem of how to deeply fuse entity space modeling and user behavior data and realize accurate adaptation of checkout resources through prospective simulation optimization. According to the method, the multi-dimensional shopping data is converted into the model affiliated data, and the digital twin carriers in one-to-one correspondence between the entity scenes and the data information are constructed; age identification and behavior tracking are carried out on a person entering a store by means of mature algorithms such as MTCNN and CNN, core features such as shopping duration and checkout duration of different age groups are accurately extracted, and shopping and checkout feature duration intervals of each age group are analyzed and determined through density features. Scattered statistics of merchant operation data is converted into associable and traceable structured assets, and accurate data support is provided for subsequent decision making.

Systems and methods for implementing an auto-pause functionality for recurring payment transactions that continue to be charged, despite being associated with an unavailable merchant service as mandated by a public closure restriction. One operational aspect of the disclosed system / method is active detection of a possible closure condition based on monitoring a ratio of on-line (Card Not Present) to in-person (Card Present) transactions, internally computed over several time windows. The outcome of the ratio test falling below a predefined value is indicative of a possible public closure condition. There is an external verification step based on externally provided information associated with a published closure notification. Disclosed process further involves an indexing operation for parsing and tracking of recurring transaction string data to facilitate the identification of invalid recurring transaction strings, once a public closure condition is verified.