192 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.

Described is a system for providing usage rights to a real world property user by receiving a first real world property ownership certificate from an owner, identifying a value of the real world property, and generating a plurality of digital rights tokens corresponding to the value of the real world property. The system receives an indication of a remittance from the real world property user utilizing the real world property, determines a number of digital rights tokens corresponding to the remittance, transfers the number of digital rights tokens corresponding to the remittance from the digital rights token storage of the real world property owner to a digital rights token storage of the real world property user, and enables usage of the real world property for the real world property user based on the transfer of the number of digital rights tokens.

There is disclosed a website management device including a memory that stores an administrator DID and an administrator private key, a communication interface that communicates with a blockchain network, and at least one processor, and the at least one processor submits a first transaction for creating a URI authentication document to the blockchain network, the first transaction including an administrator digital signature created based on the administrator private key, the first URI, and an access rule for data included in the first URI, and retrieves a remittance transaction having a blockchain account on the blockchain network corresponding to the administrator DID as a recipient, the remittance transaction including a fee statement prepared based on the access rule included in the first URI authentication document. In addition to the above, various embodiments identified through the specification are possible.

To improve the convenience of remittance services using code information.SOLUTION: A remittance management device provides a corporate service that can accept remittance from a user's account. The remittance management device includes: a content providing unit that supplies a terminal device with content for displaying a remittance screen that accepts a remittance request from the user in response to receiving code information read by the terminal device of the user who is the source of the remittance; and a remittance processing unit that accepts the remittance request from the terminal device through operation of the remittance screen, and moves electronic money equivalent to the accepted remittance amount from the user's account to a corporate account provided to a business that uses the corporate service. The content providing unit supplies the terminal device with content according to a remittance type identified based on the code information.SELECTED DRAWING: Figure 4

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 present disclosure provides a financial services platform and a method of transferring funds using the financial services platform. The platform may include multiple rails. The multiple rails may be based on or built on a blockchain. The multiple rails may be configured to enable multiple financial transactions including credit transfers, remittances, debits, financing purchases, and point of sale loans between multiple parties. The platform may further include an application for implementing the multiple rails. The application may be executable on multiple devices and includes a graphical interface for facilitating the financial transactions between the multiple parties. At least one of the financial transactions may be completed by using a visual code indicating or representing a transaction amount or settlement between a first party and a second party.

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.

To provide an information processing device promoting use of a service relating to digital salary payment.SOLUTION: An information processing device for executing processing relating to transaction work including settlement between accounts. The information processing device has a determination part and a decision-making part. When receiving a transfer request, the determination part determines whether or not an account of a transfer destination designated in the transfer request is an account for disbursing payments to a prescribed business operator that operates an electronic settlement service, and is a virtual account assigned to a service user by the prescribed business operator as a receiving account for the service user who uses the electronic settlement service to receive remittances addressed to him / her in the form of electronic money. When the determination part determines that the account of the transfer destination is the virtual account, the decision-making part makes decision on a prescribed profit to be given to a transfer requester in conjunction with transfer processing executed in response to the transfer request.SELECTED DRAWING: Figure 2

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.

To improve the convenience of remittance services.SOLUTION: A remittance management device provides a corporate service that enables a corporation to accept remittance from a user's account. The remittance management device includes: a content providing unit that supplies a terminal device with content that is for displaying a remittance screen to accept a remittance request and that corresponds to a remittance type; and a remittance processing unit that accepts the remittance request through operation of the remittance screen and moves electronic money equivalent to the remittance amount from the user's account to the corporate account of a business that uses the corporate service. The remittance type is specified based on service information provided to the remittance management device regarding the corporate service and includes donations that are subject to donation deductions and donations that are not subject to donation deductions. The content providing unit supplies the terminal device with content for the remittance screen that displays whether or not a donation deduction is available depending on the remittance type specified based on the service information.SELECTED DRAWING: Figure 4

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 secure method of real time money transferring between account holders utilizes Near Field Communication (NFC) technologies, dynamic transaction cards, and a mobile application to facilitate a seamless mobile transfer of funds. The dynamic transaction card of the customer requesting to make the transfer of funds may be placed in contact with the second recipient dynamic transaction card of the customer receiving the funds transfer to establish an NFC connection. The dynamic transaction card requesting the transfer may receive, via the NFC antenna on the card, the recipient customer account information stored on a passive NFC tag. The dynamic transaction card requesting the transfer may transmit the recipient account information to a mobile application, which may transmit the recipient account information to an account provider system for facilitating the funds transfer.

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.

To provide a program, an information processing device, and an information processing method that can assist an operator of an electronic payment service in detecting fraudulent remittance transactions. [Solution] A program for causing an information processing device to execute a user information acquisition process that acquires multiple user information related to multiple users based on target users who use an electronic payment service, the user information including at least remittance history information between the multiple users for a target period; a network information acquisition process that acquires a network representing the remittance and receipt relationships between the multiple users in the electronic payment service by inputting the multiple user information into a model that outputs a network representing the remittance and receipt relationships between the multiple users when the multiple user information is input; and a display control process that displays the acquired network on a terminal device of the operator of the electronic payment service.

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 present invention provides a taxation, treasury and bank clearing front-end system, including management desk functions and online transaction functions; management desk functions include institution management, role management, user management, authority management, log management, homepage reminder module, parameter management, clearing management, batch processing and report query management; online transaction functions include account information query, account bookkeeping processing, account reversal processing, clearing account balance query, batch task management, account flow query, treasury remittance failure resend and payment reconciliation processing. The present invention greatly reduces the difficulty of village banks accessing taxation, treasury and bank, reduces investment costs, realizes real-time account processing through non-agent clearing mode, and accelerates fund clearing efficiency; through digital signature technology, solves the problem of cross-institutional communication security.