114 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 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.

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.

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.

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 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.

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.

The invention relates to a cross-border payment library system based on a butt-joint block chain, and the system comprises a block chain butt-joint module which is configured to be in butt-joint with a first block chain, and achieves the chaining of data, and the subscription and query of messages on the chain; the tax information processing module is configured to extract non-resident information based on the on-chain information provided by the block chain docking module and provide the non-resident information to the accounting processing module; the accounting processing module is configured to be in butt joint with a cross-border payment system, realize receiving of settlement and settlement of remittance, tax payment and tax refund funds, and initiate a remittance result uplink process and a remittance refund uplink process, and after the received remittance is matched with the extracted non-resident information, the settlement and settlement process is initiated; and the account checking module is used for generating a to-be-reported report form based on the information of the accounting processing module and the tax information processing module and the on-chain message. Compared with the prior art, the method has the advantages of improving the cross-border payment service efficiency and the like.

To provide an electronic money system that serves as a common currency for overseas remittance and overseas travel.SOLUTION: A hardware constituting an electronic money system according to the present invention comprises a computer maintained by a power supply provider, a computer maintained by a financial institution, a card issued by a financial institution to an electricity retailer, and a card issued by a financial institution to their overseas and domestic users. The computer maintained by the electricity supplier incorporates software that converts electricity transmitted from the electricity retailer into a corresponding value of the common currency, and the converted value (numerical value) calculated by the electricity supplier's computer is transmitted to the financial institution as the value of the common currency.SELECTED DRAWING: Figure 1

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.