139 results about "Money transfer" patented technology

Method of transferring virtual asset between heterogeneous blockchains including first and second blockchain comprises receiving deposit of first stable coin from electronic wallets of multiple remittance agents of first blockchain in blockchain-based management system, and receiving deposit, in blockchain-based management system, of second stable coin from electronic wallets of multiple remittance agents of second blockchain in blockchain-based management system, wherein transfer detail of virtual asset transferred from transferor electronic wallet in first blockchain to electronic wallet of first remittance agent selected from among multiple remittance agents of first blockchain is recorded in blockchain-based management system. When transferring virtual asset is confirmed, virtual asset remaining after deducting first remittance agency fee from virtual asset, transfer of which has been identified, is transferred from electronic wallet of second remittance agent selected from among multiple remittance agents of second blockchain to remittance fee electronic wallet of second blockchain.

The present invention relates to a method for facilitating electronic transactions between transmitting bank entity and a receiving bank entity made by a user. The method involves receiving payment details from a user through a user interface and initiating a transaction request using these payment details by the transmitting bank entity. The transaction request is then transmitted to a receiving bank entity, which processes the request to determine transaction approval based on the provided payment details. The receiving bank entity subsequently sends a transaction response to the transmitting bank entity, indicating approval or denial of the transaction request, back to the transaction processing system. Finally, the user is notified of the transaction response via the user interface. Disclosed embodiments optimize and streamline the electronic transaction process, ensuring efficient and secure handling of payment details and transaction requests between bank entities.

A distributed payment system may include a first bank at which a user deposit account of a customer is established where the user deposit account is associated with a vehicle of the customer to fund transactions initiated via the payment vehicle, a second bank at which a facilitator account of a card issuer of the payment vehicle is established, and a facilitation agent in communication with a first bank agent of the first bank and a second bank agent of the second bank to issue messages or system triggers associated with money transfers within the distributed payment system. The facilitation agent establishes a facilitator clearing account to hold unreconciled funds of customers having payment vehicles and deposit accounts at the first bank, and establishes a facilitator servicing account to hold reconciled funds of the customers having payment vehicle and deposit accounts at the first bank. The facilitation agent facilitates real time transfer of money into and out of the user deposit account with respect to the facilitator clearing account responsive to the customer initiating a transaction, facilitates a net transfer of money between the facilitator clearing account and the facilitator servicing account based on summing all transactions in a given period, and facilitates a transfer of funds between the facilitator servicing account and the facilitator account of the second bank based on the summing of all transactions in the given period.

Methods and systems for providing a quick response (“QR”) code having increased security authentication parameters. The methods and systems may include creating a dependent QR code and one or more independent QR codes for approving or rejecting a dependent QR code transaction request in a merged QR code. The methods and systems may include creating one or more trust deficit non-fungible tokens (“NFTs”) for each of one or more users associated with the one or more independent QR codes rejecting the dependent QR code transaction request. The methods and systems may include adding the one or more trust deficit NFTs to the dependent QR code in the merged QR code. The methods and systems may include rejecting the transaction in response to the determination that the dependent QR code has a number of trust deficit NFTs greater than the threshold number.

A system includes a processor and a non-transitory computer readable medium coupled to the processor. The non-transitory computer readable medium comprises code that when executed by the processor, causes the processor to receive a money transfer amount indicative of an amount of funds to be transferred to a recipient. The processor generates a key code associated with the money transfer amount that is provided to a user of the system and given to the recipient by the user. The key code is programmed by the processor to enable the recipient to use the key code to redeem the amount of funds associated with the money transfer amount.

An electronic commerce (e-commerce) system may send advertisement emails to customers that are registered with the e-commerce system. The advertisement emails may include mailto links. Each mailto link describes an email message that is generated when that link is selected. When a mailto link is selected, the generated email message includes one or more parameters related to a money transfer made by the customer to a second financial account. For example, the generated email message may include a customer identifier, and / or one or more parameters that indicate the second financial account to which a money transfer should be made, and an amount to be transferred. The generated email message may then be transmitted to the e-commerce system. The e-commerce system may receive the message and, based on the parameters in the received message, communicate with a payment processing system to perform the money transfer indicated in the message.

A proxy card used at an ATM, or at any vendor store, that has a legacy point of sale unit or at a store with the smart point of sale. In general, it can be used with any vendor and otherwise as any credit or debit card might be used. The point-of sale unit interacts with a multi-source processing system (MSPS) that, instead of servicing a single money source, interacts with more than one of a plurality of monetary sources that may be associated with the proxy card. The money transferred from credit or debit accounts of the user may be either transferred directly or indirectly via a proxy central account associated with the MSPS that a user maintains.

The invention discloses a parking card batch delay processing method and device, computer equipment and a storage medium, and the method comprises the steps: obtaining a plurality of to-be-delayed parking cards corresponding to a target merchant organization; determining the delay duration corresponding to each parking card to be delayed; based on the delay duration, generating a delay application payment order; and when payment of the delay application payment order is completed, payment completion information is approved through the parking management terminal, and batch delay processing is performed on the parking cards to be delayed when the payment completion information passes the approval. In the embodiment of the invention, a process management scheme for batch delay is provided. By performing batch delay processing on a plurality of parking cards at a time and performing operations such as payment application and remittance to account approval in a unified manner, the delay efficiency of the parking cards can be improved, by approving payment information, wrong delay operation caused by false payment can be reduced, and loss can be reduced to a certain extent.

A money transfer method using the NFC technology in the electronic devices in which will decrease the using of the cash money in the daily routine and increase the security of the money transactions using several high security protocols and its characterized by: a NFC enabled electronic device (1); a biometric authentication (2) system build-in the electronic device (1); a server (4), that process the money transaction; and a database (5) which stores the transaction information.

Embodiments of the present application provide a transaction result identification method, device, equipment, storage medium and program product, which are applied to the field of financial technology, and the specific method comprises: obtaining a request of remittance initiated by a first client to a second client to obtain a first remittance request comprising a first serial number; performing a deduction operation on an account corresponding to the first client according to the first remittance request, generating first transfer information comprising the first serial number according to the deduction result; sending the first transfer information to a second transaction platform, so that the second transaction platform performs a deposit operation on an account corresponding to the second client according to the first transfer information; receiving second transfer information comprising a second serial number sent by the second transaction platform, the second transfer information being generated by the second transaction platform according to the deduction result after performing a deduction operation on the account corresponding to the second client according to the second remittance request; comparing the second serial number with the first serial number, and identifying the execution result of the first remittance request according to the comparison result.

A system and method are disclosed. The method comprises receiving, by a server computer from a first user device, transfer data regarding a receiver operating a second user device. The server computer can transmit a verification request message to a wallet aggregator computer. The server computer can then receive a verification response message from the wallet aggregator, the verification response message comprising an account identifier of the receiver. The server computer can then transmit a confirmation request message to the first user device and receive a confirmation response message. The server computer can then send a transaction message (e.g., an OCT message) comprising the receivers account identifier.

The invention discloses a bank cross-border liquidation remittance route selection method and a related product. The method comprises the following steps: determining bank information of a remittance bank and bank information of a collection bank of a user; determining a plurality of intermediate banks based on the bank relationship network, the bank information of the remittance bank and the bank information of the collection bank by adopting a dynamic topology model; the dynamic topology model is constructed based on a near-end strategy optimization algorithm; and obtaining a cross-border liquidation route between the remittance bank and the collection bank based on the plurality of intermediate banks. The dynamic topology model can directly and automatically identify a plurality of intermediate banks based on a bank relationship network, and quickly construct a cross-border clearing path, thereby remarkably improving the efficiency of cross-border clearing. And the dynamic topology model can flexibly adjust the selection of intermediate banks based on a bank relationship network, thereby ensuring the accuracy of cross-border liquidation and confluence. Therefore, the accuracy and efficiency of intermediate bank selection can be remarkably improved, and then the accuracy and efficiency of cross-border liquidation and reconciliation are effectively improved.

The invention discloses a transaction data processing method which is applied to the technical field of Internet. The method comprises the steps that a remittance transaction request initiated by a first account to a second account receiving second currency is received, when the second currency is currency limited by exchange, corresponding transfer currency is determined, and the transfer currency is transferred through the exchange rate currency of the first currency and the transfer currency and the exchange rate of the transfer currency and the second currency. Generating a second numerical value corresponding to the second currency, and displaying the second numerical value by the terminal through generating a display instruction, so that a user can clearly know the amount of the second currency which can be exchanged by the first currency, and the interaction consistency of the user is ensured; according to the embodiment of the invention, flexible adaptation of currency exchange amount generation and display of currency limited by exchange in a remittance scene is realized, the technical implementation cost is reduced, and meanwhile, the standardization and accuracy of transaction data processing are ensured.

The invention provides a data processing method based on a block chain. The method can be applied to the technical field of big data and the technical field of block chains. The method is applied to a financial node, and specifically comprises the steps of obtaining a user certificate provided by a tax node from a block chain, and obtaining user remittance information based on the user certificate. And uploading the user remittance information to the block chain, and based on the user remittance information, obtaining a user payment result corresponding to the user remittance information. And uploading a user payment result corresponding to the user remittance information to the block chain. The invention further provides a data processing device and equipment based on the block chain, a storage medium and a program product.

The present invention is a remote operation and maintenance financial management method based on the integration of big data and relational data, comprising: receiving a payment instruction from a terminal user, activating a remote operation and maintenance financial system according to the payment instruction, the remote operation and maintenance financial system comprising a payment collection module, a clearing and settlement module, and a relational data storage module, deducting the payment amount from the bank card bound to the terminal user and generating a reconciliation bill, generating transaction details, transferring the payment amount from the payment collection module to the clearing and settlement module, calculating a withdrawal fee for the payment amount, deducting the withdrawal fee from the payment amount to obtain a withdrawal amount, generating an withdrawal information table for the withdrawal amount, reorganizing the reconciliation bill, transaction details, and withdrawal information table to obtain a full-life transaction table, and completing remote financial management. The present invention can solve the current problem of lacking a secure financial management system for the entire cycle from receiving remittances, managing remittances, to withdrawing remittances.

To improve the technology related to the foreign exchange system. [Solution] A foreign exchange system 1 comprising multiple servers 20 used by multiple financial institutions excluding the Bank of Japan, wherein each of the multiple servers 20 stores information on multiple accounts, including deposit accounts in the name of other financial institutions that have been mutually opened among the multiple financial institutions, and when the first server 20A of the first financial institution receives a first remittance instruction with the first financial institution as the remitter and the second financial institution as the recipient, it executes a first process of depositing the amount of funds specified in the first remittance instruction into the deposit account in the name of the second financial institution that the first server 20A has stored.

The invention belongs to the technical field of network security and financial risk control, and particularly relates to a method and system for preventing telecommunication fraud, and the method comprises the following specific steps: S1, a remittance side risk level pre-judgment and confirmation mechanism: after a remitter inputs collection account information and submits a transfer amount, the remitter receives the collection account information; automatically associating a public security anti-fraud database, a bank risk control blacklist and historical transaction records, performing risk grade division on a collection account, and displaying a risk prompt to a remitter in real time; and S2, a fund freezing mechanism: after the remitter transfers an account to the account of the payee, automatically marking the fund as a'to-be-authenticated state 'and freezing the fund. The fund is set to be in a to-be-authenticated state through a fund freezing mechanism, a payee is forcibly required to complete authentication to use the fund, and an operation window of'second-to-'split 'of a fraudulent is blocked in time; and in cooperation with a grading unfreezing mechanism, the one-time transfer risk is further reduced, and the fund recovery probability is remarkably improved.

To provide a method and apparatus for a remittance service.SOLUTION: An operation method of a server providing a remittance service includes the steps of: receiving, from a remitter participating in an anonymous chatroom by using a first temporary profile, a request for a remittance to a second temporary profile participating in the anonymous chatroom; verifying a remittance qualification of an account of the remitter; generating remittance transaction information for remitting the amount corresponding to the remittance request to an account of a remittee corresponding to the second temporary profile; and transmitting, to the account of the remittee, a remittance notification including information on the first temporary profile as remitter information.SELECTED DRAWING: Figure 1

To improve a technique for performing a transaction which transfers funds from a remitter to a recipient.SOLUTION: A remittance method executed by an information processing device includes the steps of: storing information indicative of one or more corresponding second accounts and fund transfer rules for each of one or more first accounts; identifying one or more second accounts and fund transfer rules corresponding to the first account when a remittance request specifying a first account as a remittance destination is received from a user; and remitting at least a part of funds of a remittance amount related to the remittance request to the identified one or more second accounts on the basis of the identified fund transfer rules.SELECTED DRAWING: Figure 5

The disclosure relates to the field of making online payments by integrating social networks and payment networks to a seamless network. In particular, some embodiments of the invention leverage the information in the social network to conduct financial transactions. A social payment network app can incorporate all or most of the functions of credit cards, internet banking and money order companies by using the data and functions already available in the social network. Some embodiments of the invention provide better counterparty recognition, reduce the chance of fraud, or fraud, and provide a cheaper payment platform to consumers or small businesses while also reducing the administrative burden in making and paying purchases or reporting payments and / or expenses to third parties, such as the employer or tax administration.

The invention relates to an identity confirmation method and system based on a mother-solid-child-virtual account architecture and an intelligent terminal, and relates to the field of remittance transactions, and the method comprises the steps: obtaining remittance information; determining a remittance name according to the remittance information; judging whether the remittance account is a sub-account or not according to the remittance name; when the remittance account is a sub-account, determining a remittance identity according to the remittance name; generating a remittance record according to the remittance identity and the remittance information; and controlling a preset display device to inform a worker according to the remittance record. The method has the advantages that the convenience of remittance transaction is improved, and a payee can conveniently correspond to the child account and the mother account of the remitter.

The present invention relates to a system (1) for generating a QR code defined on receipts generated as a result of any money transfer or a purchase and enabling users to verify the generated QR code from the bank platform.

To provide an information processing device for reducing a burden of sending money to others using electronically managed balances.SOLUTION: An information processing system is configured to: when a first user is registered with an electronic money service that operates in cooperation with a cooperation service and provides the cooperation service to the first user and a second user, and an instruction is given from the first user to send a remittance amount of electronic money to the second user, present an electronic money receiving method to the second user; and when the second user inputs an operation based on the receiving method and the second user is not registered with the electronic money service, transmit information for registering with the electronic money service to the second user. When the second user is registered with the electronic money service on the basis of the information, the remittance amount is added to a balance of electronic money available to the second user.SELECTED DRAWING: Figure 9

A computer implemented method includes identifying a special character in a message generated by a sender. A money transfer prompt is supplied to the sender in response to the special character. A transfer amount is validated. An account transfer for the transfer amount is initiated. The message is sent to a recipient with indicia of the account transfer.

We provide the system. [Solution] A means for analyzing reservation information received online and extracting relevant expense data from that information, A means of classifying extracted expense data and monitoring that data based on a set budget, A means of notifying users when signs of budget overruns are detected, A method to automatically calculate the total amount to be paid within the group after the trip and automate the remittance process, A means of collecting and analyzing traveler spending data and making promotional proposals to businesses or local governments, A system that includes this.

The embodiment of the invention provides a bookkeeping processing method and device for cross-border remittance and electronic equipment, and relates to the field of financial science and technology or other related fields. The method comprises the following steps: in response to an obtained cross-border remittance message, extracting a collection account and a payee account from the cross-border remittance message; determining an actual payee household name having an association relationship with the collection account from the database, and judging whether the similarity between the payee household name and the actual payee household name is greater than a similarity threshold value or not; and under the condition that the similarity is not greater than a similarity threshold value, based on a preset correction rule in a rule base, performing correction processing on the account name of the payee to obtain correction information, the correction information comprising the corrected account name of the payee. The correction information is sent to the actual payee, if the actual payee confirms the correction information, the payee account name is updated to the corrected payee account name, accounting processing of the actual payee corresponding to the collection account number is completed, the workload of manual checking is reduced, the efficiency is improved, and the cost is reduced.

A method includes receiving, by aggregator platform computer from a user device of first user, remittance message including at least a service amount for service rendered by second user to the first user; identifying, by the aggregator platform computer, that the remittance message includes an additional amount that accompanies the service amount; upon identifying that the remittance message includes the additional amount, forwarding, by the aggregator platform computer to a plug-in computer, the remittance message including the service amount and the additional amount; identifying, by the plug-in computer in the remittance message, the service amount and the additional amount; and separating, by the plug-in computer, the service amount from the additional amount. The plug-in computer facilitates transfer of the additional amount from an account of the first user to an account of the second user and sends, to the aggregator platform computer, a service remittance message including the service amount.

According to an aspect of the present invention, there is a provided computer-implemented method of electronically reserving a product or service, comprising: receiving, at a product or service provider electronic device, reservation pricing information for one or more products or services; presenting, at a customer electronic device, the reservation pricing information; receiving, at the customer electronic device, a selection of one or more of the one or more products or services to be reserved; receiving, at the customer electronic device, payment information; executing a payment transaction based on the payment information; notifying the product or service provider electronic device of the payment; and performing one or more of holding the payment amount in escrow and transferring some or all of the payment amount to the product or service provider cryptocurrency-related account, checking, savings, or debit transaction account, credit transaction account, and / or e-wallet and the like accounts.

Provided is an electronic currency system comprising: a remittance apparatus, which is the remittance source of electronic currency to which additional information is added each time remittance is made; and a receiving apparatus, which is the remittance destination of the electronic currency. The remittance apparatus comprises a verification key reception unit configured to receive a group verification key of a group to which the receiving apparatus belongs, a signature unit configured to use a member signature key of the remittance apparatus to generate a group signature for the group verification key and a hash value of the additional information that is most recently added to the electronic currency, and a currency transmission unit configured to transmit to the receiving apparatus the electronic currency to which the group verification key, the hash value, and the group signature have been added as the additional information. This makes it possible to appropriately ensure the anonymity of a user of electronic currency while maintaining the traceability.

To stably transfer money received from one user in each prescribed accounting processing period by a contract to the other user on the date of the business day of a financial institution.SOLUTION: A charging schedule data generation part generates charging schedule data including a payment scheduled date and a payment scheduled amount in each accounting processing period by one user. A holiday processing part performs holiday processing in which the business day immediately before the non-business day or the next business day immediately after the non-business day is set as a payment scheduled day on the basis of the holiday processing section of the customer master table. The closing date adjustment unit performs a closing date adjustment process of changing the scheduled deposit date by the holiday processing to the previous business day or the next business day before the scheduled deposit date before the holiday processing, which belongs to the original accounting processing period, when the scheduled deposit date by the holiday processing is a date of the accounting processing period different from the original accounting processing period. Thus, it is possible to stably transfer money to the other user in each accounting processing period.SELECTED DRAWING: Figure 1