27 results about "Merchant services" patented technology

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.

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.

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 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.

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.

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 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.

A receipt capture tool residing on a customer mobile device may be initiated when a customer completes an in-store or online purchase. The receipt capture tool may prompt the customer to capture an image of a receipt detailing a purchase and an item (e.g., product or service) purchased. For instance, the photo of a physical receipt may be taken by the mobile device, or an electronic receipt or email detailing the purchasing transmitted from a physical merchant or online merchant server may be stored. Receipt information may be extracted and saved with other information pertinent to the item purchased, including warranty information. If the customer needs to return or repair the item purchased at a future date, the receipt and warranty information may be subsequently accessed via their mobile device. The receipt and warranty information may also be stored in a searchable database to facilitate easy retrieval by the customer.

Disclosed in embodiments of the present description is a smart watch aggregation code service processing solution, comprising: an application server receiving a service trigger instruction that is sent by a smart watch end when scanning an aggregation code displayed by a target merchant; on the basis of the service trigger instruction, sending a merchant information query request to an aggregation code service provider by calling a first SPI, such that the smart watch end obtains information of the target merchant; receiving a service execution request sent by the smart watch end on the basis of the information of the target merchant; on the basis of the service execution request, sending a corresponding merchant service order creation request to the aggregation code service provider by calling a second SPI, such that the aggregation code service provider places a corresponding order on an open platform corresponding to the application server, wherein the first SPI and the second SPI are defined by an application service provider to which the application server belongs, and are implemented by the aggregation code service provider; and receiving a merchant service order generated and returned by the open platform in response to the placement of the order, and on the basis of the merchant service order, advancing service processing to completion.

Gateways for patient-responsibility portions of medical bills (PRPMB) transactions, regardless of healthcare provider or merchant services (Credit card processing) provider are disclosed, which also provide big data analytics and interoperability across systems and networks. These principles provide uniform, consistent and secure devices, methods and systems that allow a patient to make PRPMB payments on one website or by one phone call or physical address regardless of the entity that is due payment, or when multiple entities are due payment and allow or the use of cryptocurrencies as well as prescription escrows, as well as data gathering and analytical techniques for combatting the COVID-19 pandemic.

The present invention discloses a distributed DID identity authentication parking system and method based on blockchain, comprising: a camera for photographing parked vehicles and obtaining license plate information; an IoT edge computing module for providing license plate data to a blockchain platform module; a blockchain platform module for providing distributed DID services and trusted oracle off-chain data acquisition services; an issuer business module for providing a credential template ID to merchants and providing credentials or selectively disclosing credentials to user devices; a user device for registering credentials or selectively disclosing credentials for storage and displaying them to merchants; and a merchant business module for registering a credential template ID and verifying the credentials displayed by the user module to perform merchant services. The distributed DID parking system based on blockchain of the present invention can achieve anonymous identity authentication and selective information sharing. Users can use parking services without disclosing their personal identities, thereby protecting their privacy.

Systems and methods facilitate automated e-commerce checkouts using artificial intelligence (Al). An Al 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 Al component also processes user data reflecting historical behavior or preferences. Based on analyzing the content and user data, the Al 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 Al component performs an operation.

The invention provides a transaction management method and system based on demand information published by user sides. The method comprises the following steps: acquiring demand information published by a plurality of user sides; classifying the demand information published by each user side, and labeling a first information label for the demand information according to a classification result; acquiring a second information label of the commodity provided by the merchant server, matching the first information label with the second information label, and if the matching is successful, generating corresponding demand summary information and pushing the demand summary information to the corresponding merchant server; and in response to a demand subscription request sent by the merchant server based on the demand summary information, completing a demand transaction between the user side and the merchant server based on the demand subscription request. Therefore, the shopping efficiency and the shopping experience of the user can be improved, transaction conclusion and fair profit earning of two parties participating in the transaction are promoted, and understanding, adjustment and management and control of the transaction market are facilitated.

The invention provides a voice broadcast method, order receiving equipment and a voice broadcast system, and relates to the technical field of computer processing. The method comprises: a first server obtains a synchronization message related to a commodity order from a second server, the synchronization message comprising a merchant identifier and message content, the message content comprising an order message and / or a user message, the order message being a message related to order state change, and the user message being a message related to order state change; the user message is a message sent by the user to the merchant after the user places an order; based on a preset voice broadcast template and the message content, constructing a voice broadcast instruction which carries values corresponding to a plurality of modules in the voice broadcast template; and sending the voice broadcast instruction to an order receiving device associated with the merchant identifier, so that the order receiving device determines a plurality of audio clips according to values corresponding to the plurality of modules, and plays the plurality of audio clips according to a preset sequence. According to the embodiment of the invention, the merchant can timely and conveniently know and process the message sent by the user, and the service quality of the merchant and the user experience are improved.

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.

An artificial intelligence-based digital merchant service system and method. The present application relates to the field of intelligent retail and service, aims to solve the problems of fragmentation of merchant supply and demand matching and rigid pricing strategy, and provides an intelligent merchant service system and method. The present application comprises merchant data acquisition, supply-demand- inventory dynamic matching, dynamic pricing time sequence optimization, service execution and operation and maintenance management modules; the method collects multi-source data such as inventory and passenger flow, and generates a supply-demand docking scheme by using an improved weighted matching algorithm after preprocessing, generates a time-based pricing strategy by combining a double-objective optimization function and an improved particle swarm algorithm, and optimizes through real-time feedback after landing. The system and method of the present application improve the supply-demand matching degree and revenue efficiency of merchants, reduce operating costs, and are suitable for small and medium-sized merchant digital operation scenarios.

The invention is suitable for the technical field of material transportation management, and provides a material transportation dispatching, management and distribution system and method based on the Internet of Things of a smart community. Comprising a user interaction end, a cloud collaborative scheduling server, a merchant service end, a rider mobile end, an internal configuration site cloud total server, an internal configuration site management end, an internal configuration personnel mobile end, a property management platform server and an indoor monitoring machine. The system is characterized in that a property management platform server is used as a community internal data center, establishes a special link with an internal station cloud total server, and receives a delivery state in real time; and state information such as real-time position and the like from the mobile terminal of the indoor member is received, and then the information is accurately pushed to the indoor monitoring machine of the corresponding user for visual presentation and acousto-optic reminding. Therefore, through authority processing, property internal configuration execution and home terminal visualization, protection of user privacy is realized, terminal delivery efficiency is improved, and identity security verification is completed by using the indoor terminal.