73 results about "Money transfer" patented technology

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 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 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.

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.

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

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 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.

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.

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

The invention discloses a cross-border trade remittance processing method and device, electronic equipment and a storage medium, and relates to the field of artificial intelligence and financial science and technology. The method comprises the following steps: in response to a remittance verification request of cross-border trade, interacting with a user to obtain a first remittance element, a first customs declaration number and a customs declaration image in a remittance interaction interface; extracting a second customs declaration number from the customs declaration image by adopting a title area positioning strategy; if the first customs declaration number is consistent with the second customs declaration number, inputting a first trade element according to the first customs declaration number; if the matching between the customs declaration image and the customs declaration template fails, performing optical character recognition on the customs declaration image based on multi-scale semantic segmentation and mixed feature optical character recognition to obtain image customs declaration data; and verifying the first remittance element, the first trade element and the image customs declaration data, and processing the remittance verification request according to a verification result. According to the technical scheme, the efficiency and accuracy of remittance verification of cross-border trade are improved.

We provide an information processing system that minimizes the burden of system development, operation, and work, and prevents incorrect entry of account information at financial institutions receiving remittances. [Solution] The information processing system 1 includes a dictionary registration unit P8, an account information receiving unit P1, a determination unit P2, and a notification unit P4. The dictionary registration unit P8 registers account number identification information and the recipient name of the account in the dictionary information based on the remittance history Th. The account information receiving unit P1 receives instruction input of account information from the remittance requestor. The determination unit P2 compares the input recipient name with the recipient name corresponding to the account number identification information in the dictionary registration unit P8 and outputs a determination result indicating whether the input recipient name is correct or not. The notification unit P4 notifies the remittance requestor of the determination result.

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.

To provide a remittance system, remittance method and program that enable a user to set an account identifier substituting for an account number when making a remittance request, and enable making the remittance to the designated account identifier.SOLUTION: In a remittance system, a remittance server 100 comprises: account identifier setting means 101; public identifier storage means 102; non-public identifier storage means 103; remittance destination identification means 104; account identifier search means 105; and SNS information acquisition means 106. The account identifier setting means 101 is configured to make a recipient input a combination of an arbitrary character string serving as an account identifier instead of an account number, and designate the input character string as a non-public identifier disclosing the input character string without restricting a disclosure destination, and / or a non-public identifier disclosing the input character string only to a restricted disclosure destination. Remittance implementation means 201 is configured to search for the public identifier or non-public identifier to uniquely identify the account number of the recipient, and implement a remittance.SELECTED DRAWING: Figure 2

An automatic bulk insurance claims re-submission of pending insurance claims facilitates transitioning from one technical electronic medical record (EMR) system to another EMR system. The method involves extracting past insurance claims that remain pending due to non-submission or rejection by one or more payers for various reasons, classifying these as pending insurance claims. It further includes analyzing Electronic Remittance Advice (ERA) reconciliation data provided by the payer to identify discrepancies between expected and actual payments. The payment status and reasons behind non-payment for each pending claim are determined. Necessary modifications are then implemented to ensure that the claims meet approval criteria. Finally, the method automatically resubmits all modified pending claims in a single bulk upload, ensuring that all corrected claims are accurately reflected in the submission, and ensuring that the efficiency and accuracy of the insurance claim re-submission process are maintained, leading to improved reimbursement outcomes for healthcare providers.

1. Name of the product in this design: Electronic device with AI dialogue intelligent monitoring and trading graphical user interface for convenient fund transfer. 2. Intended use of this design: for use in electronic devices. 3. The key design feature of this product is its graphical user interface. 4. The image or photograph that best illustrates the design's key features: the front view. 5. Purpose of the graphical user interface: Intelligent monitoring and trading are sent through a dialogue stream, allowing users to view stock trading assets and perform trading operations at any time during the conversation. This facilitates users to conduct trading activities by combining AI interpretation and dialogue content, ensuring a smooth user experience.

A computer-implemented method and server device for performing a cross-border remittance is provided, the method comprising: initiating, using a remittance application on a first device, a cross-border remittance for transferring funds from a bank account of a first user to a digital wallet or bank account of a second user; sending, to a first messaging application on the first device, remittance information regarding the cross-border remittance; the first messaging application requesting user information indicative of the second user; the first messaging application sending a transaction notification to a second messaging application on a second device of the second user; in response to receiving the transaction notification, the second messaging application requesting that the second user initiate receipt of the funds; in response to initiating receipt of the funds, completing the cross-border remittance by transferring the funds to the digital wallet or bank account of the second user.

The present application discloses a data processing method, apparatus, and device, a computer storage medium, and a program product. The method comprises: receiving a remittance top-up request for a prepaid card; performing identity verification on a user initiating the remittance top-up request; upon successful verification, providing receiving account information, receiving institution information, and an international unique identifier of a receiving institution corresponding to the prepaid card, the receiving account information, the receiving institution information, and the international unique identifier corresponding to the prepaid card being used for a remittance account to make a remittance to a receiving account corresponding to the prepaid card, and the remittance account being an overseas account; and receiving a remittance top-up response for the prepaid card, and generating a remittance top-up result of the prepaid card.

1. Name of the product in this design: Graphical User Interface for Transferring Funds and Remittances for Electronic Devices. 2. Purpose of this design: An electronic device. 3. The key design feature of this product is its graphical user interface. 4. The picture or photo that best illustrates the key design points: Design 1 front view. 5. Design 1 is designated as the basic design. 6. Purpose of the graphical user interface: The interface is used for transferring and remitting funds in different currencies. 7. Human-computer interaction method of graphical user interface: In the main view of Design 1, the user can edit the amount of currency A received by the other party, click the "Show currency B input" control to expand the input box of currency B to be remitted, view the current exchange rate, exchange rate coupon and handling fee information, click the "Add Remarks" control to add remittance instructions, and click the "Next" control to execute the next operation. Design 2 uses the same human-computer interaction method as Design 1. In the main view of Design 3, users can edit the amount of currency A received by the recipient or the amount of currency B to be remitted. They can click the "Collapse Currency B Input" control to collapse the input box for currency B to be remitted. They can view the current exchange rate, exchange rate coupon, and handling fee information. They can also click the "Add Remarks" control to add remittance instructions, and click the "Next" control to proceed to the next step. Design 4 uses the same human-computer interaction method as Design 3. In the main view of Design 5, users can edit the amount of currency A received by the recipient, click the "Show Currency B Input" control to expand the input box for currency B to be remitted, view the current exchange rate, exchange rate coupon and handling fee information, click the "Add Remarks" control to add remittance instructions, click the "Next" control to execute the next operation, and click the "Transfer" control at the top of the interface to switch to the corresponding details page. In the main view of Design 6, users can edit the amount of currency A received by the recipient or the amount of currency B to be remitted. They can click the "Hide Currency B Input" control to collapse the input box for currency B to be remitted, view the current exchange rate, exchange rate coupons, and transaction fee information, click the "Add Remarks" control to add remittance instructions, click the "Next" control to proceed to the next step, and click the "Transfer" control at the top of the interface to switch to the corresponding details page. In the main view of Design 7, when the user clicks the "Exchange XXXX Coins" control, the interface changes in Design 7. In the main view of Design 8, when the user clicks the "Show Currency B Input" control, the interface changes in Design 8. In the design 9 front view, when the user clicks the "transfer remittance" control, enter the design 9 interface change state figure 1; when the user clicks the "show XXXX coin" control, enter the design 9 interface change state figure 2. In the design 10 front view, when the user clicks the "show currency B input" control, enter the design 10 interface change state figure.

We provide the system. [Solution] An analysis means for acquiring email information and image information and analyzing the data contained therein, A means for classifying the acquired analytical data and displaying it to the user, A notification system that compares the user's set budget with their spending and notifies them when the budget is exceeded, An expense management system for managing expenses within a group and calculating shared expenses, A payment method that performs the remittance process based on the calculated shared cost, A tracking system that integrates scheduling and expense monitoring, and automatically tracks travel expenses, A system that includes this.

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.

Provided is a system that uses information such as account information and deposit / withdrawal information to identify an account having the potential of being subjected to fraudulent use. A remittance action detection system according to the present invention comprises: an account information acquisition unit that acquires account information from a plurality of financial institutions; a deposit / withdrawal information acquisition unit that acquires deposit / withdrawal information in the plurality of pieces of account information; a specification unit that determines whether there is a possibility that an account is being fraudulently used on the basis of the deposit / withdrawal information and the account information, and specifies said account as an account having a possibility of fraudulent use when it is determined that there is a possibility that the account is being fraudulently used; an output unit that outputs, to the plurality of financial institutions, information on the account having the possibility of fraudulent use; and a storage unit that stores the account information, the deposit / withdrawal information, and the information on the account having the possibility of fraudulent use.

To provide a remittance control system, a remittance control server and a program for promoting the use of an inter-individual remittance service.SOLUTION: The money transfer control system inputs money transfer request information to a user terminal of a money transferor, transmits it to a money transfer source server, makes the money transfer source server determine whether a financial institution code related to a deposit account of a recipient constituting the money transfer request information corresponds to a corresponding financial institution code in which a money transfer fee is set to be free of charge and whether a money transfer amount is a predetermined amount or less, and when the conditions are satisfied, generates money transfer instruction information from the deposit account of the money transferor to the deposit account of the recipient based on the money transfer request information, transmits it to the money transfer processing server, makes the money transfer processing server generate withdrawal instruction information including withdrawal information for withdrawing the money transfer amount from the deposit account of the money transferor and information indicating that the money transfer fee is free of charge, transmits it to the money transfer destination server.SELECTED DRAWING: Figure 2

A payer initiates a payment transaction of a certain dollar amount through a user interface provided by their bank. The bank generates a hyperlink associated with the payment transaction. By managing a state of the transaction, the hyperlink can be given an expiration time and / or a counter of visits. The hyperlink is sent to a payment recipient in a text message or email, either by the payer or by the bank. Upon following the hyperlink, the recipient can enter their own debit card information to receive the money transfer to their debit account, without the need to set up an account login or account. A notification mechanism, such as a broadcast stream of payments, can be employed to inform different entities (such as those recording property payments or utilities payments) that a payment was made to the payment recipient.

A machine learning based (ML-based) computing method and system for extracting data associated with financial transactions from payment notes, is disclosed. Initially, the payment notes are received from databases. The data in the payment notes are identified based on knowledges and patterns, associated with the data in the payment notes, using a ML model. The identified data in the payment notes are classified based on at least one of: the knowledges and the patterns, using the ML model. The data are extracted from the payment notes upon classifying the data in the payment notes, using the ML model. The output of the data extracted from the payment notes, is provided to the users through user interfaces of electronic devices associated with the users.

The invention aims to provide a digital RMB-based cross-border collection method and device, a medium and a program product, so that merchants can conveniently and quickly receive cross-border funds, cross-border fund transmission links are reduced, the fund cost is reduced, information of collectors and payers in a cross-border scene is truly reflected by opening an umbrella bottom wallet for each merchant, and the collection and payment efficiency is improved. A cross-border umbrella bottom wallet is opened for each domestic merchant, so that an overseas payer can directly fill the name of a payee as the name of the domestic merchant and the account of the payee as the cross-border umbrella bottom wallet corresponding to the domestic merchant during remittance, the specific remittance to which merchant can be directly identified from the information level, and the remittance efficiency is improved. In addition, due to the fact that the remittance information is filled in by domestic merchants, information such as the name of a payee and the account of the payee can be directly obtained on an incoming account notice, the information is more transparent and more beneficial to supervision, and the user experience during cross-border collection can be remarkably improved.

The present invention relates to a system (1) which enables the users using a messaging service to split the expenses made in groups and to perform money transfers securely.