7 results about "Overdraft" patented technology

A method for facilitating minimization of fees charged to customers with respect to electronic fund transfers associated with transactions may include receiving, by a facilitation agent, account transaction data associated with transactions initiated with respect to a plurality of customer accounts, employing a machine learning platform to identify fee charges in the account transaction data, employing the machine learning platform to determine a fee profile for the identified fee charges, the fee profile including a potential cause for each of the identified fee charges, employing the machine learning platform to define a settlement path to minimize a likelihood of triggering a fee for a given customer account associated with a transaction based on avoidance of the potential cause for each of the identified fee charges, and updating a settlement model based on the settlement path.

The embodiment of the invention discloses a communication service payment management method and system, equipment and a medium. The method comprises the following steps: determining a real-time balance of a user; if the real-time balance meets a first preset condition, historical activity data of the user is obtained, and the optimal overdraft limit of the user is determined according to the historical activity data; if the real-time balance is smaller than the optimal overdraft limit, determining a recommended payment limit of the user according to the historical activity data; and generating a payment short message based on the recommended payment amount and sending the payment short message to the user. The invention provides a communication service payment management method. And when the user is in arrearage, determining the optimal overdraft quota of the user according to the historical activity data of the user, generating a recommended payment quota for the user, and sending the payment quota to the user through a short message. According to the method, the user is not stopped directly, the recommended payment quota is generated for reference of the user, and the reliable recommended payment quota is provided, so that the stopping payment management of the user is more humanized and intelligent.

The application provides an electronic payment processing method and device, electronic equipment and computer readable storage medium; the method comprises the following steps: a first collection terminal scans a user terminal which needs to perform electronic payment to obtain identity information of the user terminal; a transaction corresponding to the identity information is generated; at least one second collection terminal capable of communicating with the first collection terminal is detected, and the transaction is risk checked in cooperation with the at least one second collection terminal; when the risk check is passed, a completed state of the transaction is presented, and an order corresponding to the transaction is sent to a charging system in a network, so that the charging system performs a recovery operation on the receivables of the order. Through the application, the user transaction efficiency can be improved, and the risk of bad debts of merchants caused by offline overdraft can be reduced.

The application relates to a redis-based hot account high-concurrency payment processing method, medium and equipment, newly-added flow cache set and balance cache set, the flow cache set records account ID and account ID corresponding out-of-account and into-account operation data, the balance cache set records account ID and account available balance, through real-time updating of the out-of-account and into-account operation data in the flow cache set and updating of the account available balance in the balance cache set, asynchronous updating of business data table and business account balance is realized by using a delay into-account flow table, when the account available balance exceeds a preset available range due to the out-of-account operation, real-time feedback and deduction and withdrawal operations are carried out on the out-of-account operation, the problems of balance overdraft and negative balance in the redis cache during subsequent asynchronous updating are avoided, the Redis high-performance advantage is fully utilized, balance between the cache processing procedure and data consistency is realized, and the high-concurrency processing capacity of the business system is greatly improved, and the application is suitable for industry transaction demands.

To provide an information processing device, an information processing method, and a program that can improve the convenience for users who have experienced overdrafts in resolving excess amounts. [Solution] In the case of payment using a prepaid card, if the first additional charge amount, which is the payment amount at the time of authorization, is subtracted from the second payment amount, which is the payment amount at the time of sale at the merchant, is greater than the user's electronic money balance, the information processing device includes a display control unit that prefills the charge screen with a charge amount that takes into account the second additional charge amount, which is the first additional charge amount, when the user charges electronic money to their electronic money balance on the charge screen of the user terminal device.

The invention discloses a debit card system with a controllable overdraft function, which comprises a contract signing management module, a limit management module, a payment clearing module and a repayment management module, and is characterized in that the modules are seamlessly fused with the core function of a debit card, the overdraft process is automatically triggered, a user does not need to apply for a loan independently, repayment can be associated with a saving account of the user, and the user experience is improved. The operation is convenient, and the core attributes of debit card saving and payment are reserved. Compared with a traditional debit card, emergency requirements and risk control are both considered, and the problem of payment failure when the balance is insufficient is solved; compared with a credit card, a definite rest-free period and a lower rate are set, and compared with cyclic interest of the credit card, the method is lower in rate, reduces the use cost of a user, avoids the excessive overdraft risk through the quota approved based on the deposit balance, the lower rate and dynamic quota adjustment, and is suitable for students, robust users and other groups.

Systems, apparatuses, methods, and computer program products are disclosed for providing overdraft protection during transitions between payment accounts. An example method includes identifying a set of historical transactions associated with a legacy payment account of a user and deriving a set of recurring autopayment events from the set of historical transactions. The example method further includes executing a proactive protection protocol. The proactive protection protocol includes analyzing a new payment account, evaluating whether a deadline associated with the unscheduled recurring autopayment event falls within a predefined threshold time period, assessing whether the legacy payment account has sufficient funds to satisfy an upcoming payment, performing a proactive intervention operation to address the upcoming payment, scheduling any unscheduled recurring autopayment events as recurring autopayment events in the new payment account, and scheduling a temporary recurring digital payment from the new payment account to the legacy payment account.