46 results about "Monetary Amount" patented technology

To reliably complete settlement using a balance of settlement means.SOLUTION: A determination unit (102) of a settlement system (1) determines the amount of balance to be used in settlement where a balance of settlement means is used. An execution unit (103) makes the settlement on the basis of the use amount. When the balance is used for another settlement during a period from when the use amount is determined until the settlement is made, and the balance is insufficient at the time of making the settlement, the determination unit (102) determines the use amount again. The execution unit (103) makes the settlement on the basis of the determined the use amount again.SELECTED DRAWING: Figure 4

Methods for deferred payment systems which facilitate the payment of very small monetary amount by a user when the total of accrued debit amounts exceed a predetermined amount or occur after a predetermined time interval, and which further enable promoters to pay the accrued amounts or provide credits when a purchase intent indicator exceeds a threshold value based on the digital content purchased by the user, which indicates a purchase of products or services associated with the promoters is likely.

The invention discloses a financial product payment method and device, a medium and a program product, and relates to the field of financial science and technology. The method comprises the steps that a payment request for a target financial product is acquired, and the payment request is used for indicating the current payment amount of a first target payment main body in the current payment period; according to pre-stored payment supplementing and returning information, the payment supplementing and returning amount corresponding to the first target payment main body is determined, and the payment supplementing and returning information comprises the payment supplementing and returning amount corresponding to each payment main body in the historical payment period with the adjusted payment cardinal number; determining a target payment amount of the first target payment main body in the current payment period according to the current payment amount and the payment supplementing and returning amount corresponding to the first target payment main body; and performing payment in the target financial product according to the target payment amount. The method achieves the automatic processing of the compensation and withdrawal amount from the offset to the current payment period, is higher in efficiency, achieves the refined payment processing, and improves the data accuracy and consistency.

To provide a system for improving convenience of a hometown tax donation program.SOLUTION: A system comprises a first information processing device and a second information processing device. The first information processing device includes: means for acquiring settlement information for donations relating to a hometown tax donation program; means for setting up an amount of money based on an amount of a donation as a loan, for a person who made the donation on the basis of the settlement information; means for setting up a repayment amount on and after a month when tax deduction begins, in a year following the donation, for the person who made the donation, by dividing the loan by a prescribed number of times; and means for transmitting information relating to the loan including the repayment amount to a second information processing device. The second information processing device includes: means for providing the person who made the donation with the setup loan in the next month of the donation; and means for providing the person who made the donation with money equal to an amount obtained by subtracting the repayment amount from an original amount as salary a prescribed number of times on and after the month when the tax deduction begins in the year following the donation.SELECTED DRAWING: Figure 23

The application discloses an individual risk claim maximum payment implementation method, which comprises the following steps: 1) responsibility matching; 2) amount calculation; 3) sequence determination; 4) amount allocation; 5) circulation settlement; and 6) result verification. Through the dynamic sorting logic of 'the minimum payment amount is given priority to', the application reduces the early deduction loss of high-value responsibility, ensures the maximization of the total payment amount after the superposition of multiple responsibilities, solves the problem that the traditional fixed sequence settlement cannot realize optimal payment, and improves user satisfaction. Through fine processing of the sharing and deduction rules between responsibilities, the payment amount is split according to the payment type, so that the deduction logic is accurate; through the layer-by-layer promotion of multiple settlement formulas, segmented payment rules, limit and premium accounting, the amount calculation is accurate and error-free, and the risk of claim dispute is reduced.

Methods for payment and merchant systems which facilitates the payment of small monetary amounts, making the payment more secure for the user. A payment system for at least one online shop relies on an identifier of a user device for recording at least one identification number of the user device, for receiving and confirming direct debit orders, and for storing the direct debit orders. Such method monitors the total of the debit amounts in relation to the identification number and to request a user of the user device to register after a predetermined time interval and / or on exceeding a predetermined value of the total payable, in order to settle at least part of the total payable. Such payment system methods further provide unique solutions of canceling purchases, detecting abusers of cancelations, awarding trust tokens, and providing a quality measure of the digital content, and the merchant offering such content.

The invention discloses a transaction processing apparatus and a storage medium capable of checking whether a coupon can be applied to a transaction. The transaction processing apparatus includes a determination unit and an application unit. The determination unit determines whether or not the transaction satisfies an amount condition based on the amount of the transaction. When the transaction satisfies the amount condition, the application unit applies the coupon identified by the input coupon information to the transaction.

According to an embodiment, a settlement apparatus calculates, if a payment amount is an amount of money in a unit of a second currency, the amount of difference between a settlement amount in the unit of the second currency and the payment amount. The settlement apparatus converts the payment amount in the unit of the second currency into the payment amount in a unit of a first currency and computes the amount of difference between the converted payment amount and a settlement amount calculated in the unit of the first currency. Further, the settlement apparatus outputs the amount of difference calculated by second computing means or the amount of difference calculated by second converting means.

Embodiments of the present invention provide a computer-implemented method for secure exchange of currency. The computer-implemented method includes transmitting a receiver digital certificate to a sender device. In some circumstances, the sender device is configured to compute the receiver digital certificate using publicly available information. Furthermore, the computer-implemented method includes receiving a financial message indicative of transfer of a predetermined amount of a currency from a sender financial account to a receiver financial account. The computer-implemented method further includes facilitating the transfer of the predetermined amount of the currency to the receiver financial account. Furthermore, the computer-implemented method includes receiving a request for withdrawal of all or a part of the predetermined amount of the currency, from a receiver device. The computer-implemented method also includes facilitating the withdrawal of the all or the part of the predetermined amount of the currency from the receiver financial account.

The invention discloses an inter-bank transaction clearing system and an inter-bank transaction clearing method based on intelligent offset bookkeeping, which support real-time dynamic offset, intelligent matching of transaction opponents and automatic risk control of inter-bank transaction clearing so as to realize efficient, safe and low-cost net amount settlement. Wherein the offset accounting is to summarize and calculate the receivable / payable amounts among all participants in the same period under the scene of'multi-party participation and multiple transactions', and finally, multiple transactions are combined into one transaction only according to the way of finishing accounting processing according to the net amount of each participant, so that the operation process is simplified, and the efficiency is improved; the total amount of funds exposed in the risk is reduced, and the credit risk is reduced; the fund occupation amount is reduced, the cash flow pressure of an enterprise is relieved, only net funds need to be prepared, and the liquidity risk is reduced; as the number of settlement times is greatly reduced, the probability of settlement failure is also reduced, and the service charge and the labor cost generated in the links of payment, settlement, account checking and the like are reduced.

To provide an income deduction management apparatus, an income deduction management method, and an income deduction management program that enable automatic determination by a system for matters that cannot be accurately determined using a paper-based declaration of exemption for dependents.SOLUTION: An income deduction management apparatus displays a declaration screen on which declaration items for income deductions can be set, acquires a determination result of deduction requirements for dependents on the basis of determination criteria when birth dates of the dependents of a salaried employee, an estimated amount of salary income, and an amount of retirement income are set on the declaration screen, and creates data of a declaration of exemption for dependents in which the presence / absence and the number of dependents eligible for deductions are set on the basis of template data and the determination result.SELECTED DRAWING: Figure 6

To reduce the burden on staff in overseas settlement operations. [Solution] The calculation unit calculates the difference between the first total amount, which is the sum of each invoice amount in the home country, and the second total amount, which is the sum of each payment amount in the home country. The conversion processing unit converts the invoice amount and payment amount, each converted to the home country, into settlement currency invoice amount and settlement currency payment amount based on a predetermined conversion rate for the settlement currency, which is the type of currency used for settlement and has been set in advance with the settlement recipient. The offset confirmation processing unit calculates the offset difference, which is the difference between the total settlement currency invoice amount and the total settlement currency payment amount. Then, if the payment schedule data generation unit obtains an offset difference that indicates the total settlement currency invoice amount is larger than the total settlement currency payment amount, it generates payment schedule data including the offset difference and the home country currency conversion difference.

The present invention provides a system for providing a year-end tax settlement analysis service, and a method using same, the system comprising: a scraping unit for obtaining past year-end tax settlement information and current time financial information of a user from an external system, and generating a basic data set for each deduction item of the past year-end tax settlement information and a basic data set for each deduction item of the current time financial information on the basis of the obtained past year-end tax settlement information and current time financial information of the user; a year-end tax settlement analysis unit for generating deduction item-specific year-end tax settlement analysis information including a deduction amount and a maximum deduction condition amount for each deduction item on the basis of the basic data set for each deduction item of the past year-end tax settlement information; an inference unit for generating deduction item-specific financial consulting information about the user on the basis of the deduction item-specific year-end tax settlement analysis information and the basic data set of the current time financial information; and an output unit for transmitting the deduction item-specific year-end tax settlement analysis information and / or the deduction item-specific financial consulting information to a user terminal and displaying same through the user terminal.

The invention discloses a personnel salary credit granting and payment method based on a block chain, and relates to the technical field of salary payment, and the method comprises the steps: automatically generating a rule template related to a task demand through an intelligent contract, carrying out the efficient linkage of task release and fund management through the combination of the configuration of a dynamic credit granting limit and an agreed salary limit, and improving the efficiency. In the task execution process, employees complete sign-in verification and real-time man-hour updating through the mobile terminal, the smart contract automatically verifies the task completion situation according to sign-in data and triggers a salary payment rule, manual check operation one by one is greatly reduced, real-time identities are generated based on the Hash algorithm for non-real-name temporary workers and recorded in the block chain, and the real-time work efficiency is improved. According to the payment rule, the salary amount is flexibly set according to the task completion condition of the employee, the payment fairness is guaranteed, the credit line of the project administrator is updated in real time through the adjusted payment amount, and the fund flow direction is accurately controlled.

Methods for deferred payment systems which facilitate the payment of very small monetary amount by a user when the total of accrued debit amounts exceed a predetermined amount or occur after a predetermined time interval, and which further enable promoters to offer promotions of paying the accrued amounts or providing credits when the payment system when the payment system detects that an item proposed for purchase by a user device has an attribute that makes it eligible for a promotion subject to providing certain user information to the promoter via the payment system.

To provide a personal insurance passbook for realizing a storage service for automatically withdrawing money from one's own passbook and automatically transferring it to another one's own passbook every month in order to dissolve any troublesome work of rushing into an ATM with a plurality of passbooks in congestion immediately after a salary payment date, and repeating payment and reception work.SOLUTION: A depositor using my insurance passbook requests monthly automatic transfer from a main deposit account such as a salary receiving account to a single or a plurality of sub-deposit accounts journalized for each account title of the same depositor. The financial institution automatically transfers the amount designated by the depositor from the main deposit account to the sub-deposit account by a fixed amount every month. To cope with different financial institutions by a commission or the like. The amount of money to be automatically transferred to each sub-deposit account is set in advance by the depositor for each account title, based on the annual required amount for one month. To set a bonus combination as desired. Also, it is made possible to easily change the household budget in the middle without difficulty.SELECTED DRAWING: Figure 1-1

The present invention discloses a payment method, device, medium and program product for a financial product, and relates to the field of financial technology. The method comprises: obtaining a payment request for a target financial product, wherein the payment request is used to indicate the current payment amount of the first target payer in the current payment cycle; determining the corresponding supplementary payment amount for the first target payer based on pre-stored supplementary payment information, wherein the supplementary payment information includes the corresponding supplementary payment amount for each payer in the historical payment cycle with an adjusted payment base; determining the target payment amount for the first target payer in the current payment cycle based on the current payment amount and the supplementary payment amount corresponding to the first target payer; and making payment in the target financial product based on the target payment amount. The method realizes automatic processing of the supplementary payment amount netted to the current payment cycle, which is highly efficient. At the same time, it realizes refined payment processing and improves data accuracy and consistency.

To provide a service that lists insurance contracts that an individual has contracted, and allows the details of coverage and payment amounts to be seen at a glance.SOLUTION: A system includes means for listing insurance contracts and enabling easy verification of coverage and payment amounts, and AI for suggesting appropriate insurance products based on individual circumstances.SELECTED DRAWING: Figure 1

To support calculating the amount to be paid to workers who move their residence from Japan to foreign countries.SOLUTION: A business support apparatus includes: an acquisition unit which acquires, from a storage unit that stores at least a payment date for compensation, a payment date desired by a worker, and work result data indicating actual work time, the work result data corresponding to a payment calculation period of the worker who desires payment on the desired payment date; a calculation unit which calculates, based on the acquired work result data, the amount of payment obtained by subtracting the total deductions from the total payment amount for the payment calculation period; and an output control unit which stores, in the storage unit, the calculated amount to be paid, as the amount to be paid to the worker who desires payment on the desired payment date, and outputs the amount to an external device. Accordingly, the apparatus can support calculating the amount to be paid to workers who move their residence from Japan to foreign countries.SELECTED DRAWING: Figure 1

The invention relates to a financial cancel-after-verification method and system based on an FIFO principle and a medium, and the method comprises the steps: obtaining a plurality of original financial sub-receipts to be cancel-after-verification, and sorting the original financial sub-receipts belonging to the same financial receipt to obtain a queue to be cancel-after-verification; performing cancel-after-verification processing on each original financial sub-document in the to-be-cancel-after-verification queue according to an FIFO principle, and performing accumulative summation on the debtor to-be-cancel-after-verification balance of each original financial sub-document to obtain an accumulative cancel-after-verification amount of each original financial sub-document; according to the accumulated verification amount of each original financial sub-document, judging the overall verification state of the financial document to which the original financial sub-document belongs; and splitting the financial document of which the overall cancel-after-verification state is partially cancel-after-verification into a cancel-after-verification part and a remaining part, and performing cancel-after-verification processing on the cancel-after-verification part, so that the financial document of which the overall cancel-after-verification state is partially cancel-after-verification indirectly realizes complete cancel-after-verification. Compared with the prior art, the method supports batch verification of the same financial document, and improves the adaptability and efficiency of verification operation.

To provide a settlement amount calculation device capable of allocating costs of increasing or decreasing greenhouse gas emissions generated when an amount of electricity generated is adjusted to prevent an imbalance in the supply and demand of electric power.SOLUTION: A settlement amount calculation device includes: an offset amount calculation unit that calculates a fluctuation of greenhouse gas emissions according to an amount of regulated power sources and calculates an amount of offset to offset the fluctuation in emissions; an imbalance acquisition unit that acquires power generation by power generation companies, and a difference between an actual value and a planned value in electric power demand of electricity sellers; and an allocation calculation unit that allocates the offset amount calculated by the offset amount calculation unit to the power generation companies and power sellers on the basis of the difference acquired by the imbalance acquisition unit.SELECTED DRAWING: Figure 1

To reduce the burden of reviewing a guarantee amount for an owners under a sublease agreement.SOLUTION: When reviewing a payment amount based on a sublease agreement, a determination unit determines whether setting information of a storage unit is first setting information indicating the setting of the payment amount contracted at the time of the sublease agreement, or second setting information indicating the setting of a smaller payment amount between a payment amount before the review and a payment amount after the review. When the setting information is the second setting information, a calculation unit multiplies a rent after review by a guarantee rate to calculate the payment amount after review. A detection unit detects the smaller amount of the calculated payment amount after the review and the payment amount before the review. When the setting information is the first setting information, a payment request data generation unit generates payment request data including a payment amount at the time of the sublease agreement, and when the setting information is the second setting information, generates payment request data including the smaller payment amount between the calculated payment amount after review and the payment amount before the review.SELECTED DRAWING: Figure 1

To provide a system relating to a salary payment system which is advantageous for both an organization that pays salaries and members that receive salaries. [Solution] The system is configured to automatically transfer the amount in excess of the predetermined amount to the registered member's excess transfer account A5 or B5 when the account has a balance greater than a predetermined amount and a certain amount of time has passed since the deposit or when a predetermined time has arrived.

To enable both an employer and a worker to appropriately manage labor.SOLUTION: The work management apparatus includes: a working time acquisition unit configured to acquire the time during which a worker has performed labor; an employment contract condition acquisition unit configured to acquire employment contract conditions; a scheduled payment amount calculation unit configured to calculate a scheduled payment amount to be paid from an employer employing the worker to the worker on the basis of the time acquired by the working time acquisition unit and the employment contract conditions acquired by the employment contract condition acquisition unit; a withholding determination unit configured to determine whether the scheduled payment amount calculated by the scheduled payment amount calculation unit is subject to withholding tax; a payment amount determination unit configured to confirm, when the scheduled payment amount is not subject to withholding tax, the scheduled payment amount as an amount to be paid from the employer to the worker, and to confirm, when the scheduled payment amount is subject to withholding tax, an amount obtained by subtracting a withholding amount from the scheduled payment amount as the amount to be paid from the employer to the worker; and a presentation unit configured to present the amount confirmed by the payment amount determination unit to at least one of the worker or the employer.SELECTED DRAWING: Figure 13

To enable confirmation of the total amount (credit information) of, for example, a bill and reserve for deposits, etc., in a desired currency even when billing information, etc., is registered in multiple currencies.SOLUTION: A first conversion processing part converts the amounts of respective items, which are input in different currencies and acquired through a storage part or a network, into amounts in the currency of the own country based on an exchange rate for converting amounts in foreign currencies into the currency of the own country. A calculation part adds the amounts of the respective items after the conversion into the currency of the own country to calculate a total amount. A second conversion processing part converts the calculated total amount into a total amount in a specified currency based upon the exchange rate. Then, an output control part outputs the total amount in the specified currency to an output target.SELECTED DRAWING: Figure 1

To accurately calculate late payment penalties for financial products, in accordance with their characteristics, while suppressing increases in operational costs. [Solution] A financial product management device comprising a control unit that performs accounting processing to calculate late payment penalties incurred for debts for which the repayment date of a financial product has passed, wherein the device can access a repayment pattern master which associates the characteristics of the financial product with a calculation category which is the type of base amount on which the late payment penalties are calculated, and a calculation interest rate category which is the type of calculation interest rate multiplied by the base amount, and when the control unit determines that the repayment date of the financial product has passed, it obtains the calculation category and the calculation interest rate category corresponding to the characteristics of the financial product from the repayment pattern master, and calculates the late payment penalties based on the obtained calculation category and calculation interest rate category.

The embodiment of the invention provides a salary payment method and device. The method comprises the following steps: carrying out batch division on input salary data to obtain salary data sets corresponding to different batches; for the salary data set of any batch, extracting a salary detail table of each employee from the salary data set, performing encryption processing on each salary composition amount recorded in the salary detail table and the total payment amount, and based on the salary detail table after encryption processing, generating a salary payment instruction for the batch; and sequentially sending the salary payment instructions corresponding to different batches to a bank end, so that the bank end sequentially carries out payment processing. The method is used for achieving the effects of improving payment efficiency, enhancing data security and reducing human errors.