3326 results about "Payment" patented technology

The invention, which relates to the technical field of payment security, discloses a payment-scene-oriented interaction intention identification and error correction system comprising an input analysis module, an intention simulation module, a dynamic decision module, a biological verification module, an audit evidence storage module, and a cross-scene knowledge migration module. According to the method, multi-modal data such as voice, texts, images and touch tracks are integrated, structured feature vectors are generated through a cross-modal attention network, the problem of incomplete single-modal coverage is solved, cross-modal data consistency verification is achieved based on a unified semantic tag system, and the reliability of input sources is graded by combining equipment fingerprints and geographic positions, so that the reliability of the input sources is improved. A high-risk transaction protection capability is enhanced, a generative adversarial network is utilized to construct a virtual attack sample library, attacks such as tampering with characters similar in shape and AI faking voiceprints are simulated, unknown threats are actively defended through cosine similarity matching, a user historical behavior statistical model is integrated, and known risks such as high-frequency small-amount transfer are passively intercepted. And a closed-loop incremental learning continuous optimization model is supported.

The invention provides a structured processing method and device for a contract text, equipment and a storage medium, and the method comprises the steps: carrying out the preprocessing of the contract text, generating a standardized word sequence, and enabling the standardized word sequence to comprise a plurality of word sequences and part-of-speech tagging information of each word sequence; the standardized word sequence is input into a named entity recognition model to recognize key entities in the contract text, key terms in the contract text are extracted based on a machine learning algorithm, the key entities include both parties of the contract, the amount of the contract and the name of a product, and the key terms include payment terms, delivery terms, default responsibility terms and force majeure terms; through dependency syntactic analysis and a semantic role labeling model, analyzing to obtain a semantic relationship between the key entities and the key terms; and storing the extracted key entities, key terms and semantic relationships in a target database in a structured form, and establishing a target index to support quick query. According to the invention, the error rate of manual processing is reduced.

The invention discloses a digital product online leasing system based on a cloud native micro-service architecture and a construction method thereof, and the method specifically comprises the steps: firstly, carrying out containerized deployment and micro-service hierarchical design, including a plurality of business modules of user service, product management, leasing order, payment settlement, credit evaluation and recommendation, and enabling each module to operate in an independent service form; efficient cooperation is realized through service registration and discovery; a cloud native platform is utilized to realize elastic expansion and automatic operation and maintenance of the system, lease life cycle management is realized through an event-driven mechanism, links of ordering, payment, delivery, lease renewal, return and maintenance are covered, and a credit determination and risk control mechanism is introduced to support multiple lease modes such as detention-free lease and the like. The digital product leasing platform supports multi-terminal access and unified entrance management, has good system expansibility and leasing service flexibility, improves the concurrent processing capability, deployment efficiency and user experience of the digital product leasing platform, and has wide commercial application prospects.

The invention relates to the technical field of engineering cost supervision, and discloses a process execution supervision system and method suitable for an engineering cost consultation project. According to the method, a project full-cycle data set is acquired through a distributed data acquisition interface, wherein the data set at least comprises a contract file and a progress payment voucher; performing structured feature analysis on the data set to generate a multi-dimensional item feature matrix including time nodes, cost indexes and resource allocation quantities; calling a pre-constructed project cost reference parameter library, and calculating a real-time deviation degree between the multi-dimensional project feature matrix and the reference parameters based on a dynamic time warping algorithm; when the real-time deviation degree exceeds a preset threshold range, automatically triggering a process abnormality recognition engine, and extracting process feature vectors including a construction period delay rate, a cost hyperbranched rate and a material loss rate from the deviation process; and inputting the process feature vector into a pre-trained compliance verification model, and outputting an abnormality diagnosis report including a violation type, a risk level and a responsibility subject.

A decentralized artificial intelligence platform is disclosed that enables secure sharing and execution of AI modules in sensitive application domains. The platform comprises a knowledge module registry for discovering specialized AI modules, a security framework enforcing structural integrity of AI modules, a zero-knowledge proof validation service for verifying usage conditions without exposing private data, and a blockchain-based value chain for managing smart contracts and payments. In operation, an AI agent can fetch a required AI module from the knowledge module registry, prove the right to use it, execute the AI module on local data, and automatically pay the AI module's provider through a blockchain transaction.

The present disclosure teaches an integrated computerized platform for sports gambling. First, a plurality of legal operators for sports gambling are identified in a given state. The platform collects data from the operators and aggregates the collected data. The aggregated data is displayed to users of the platform, wherein the most favorable line provided by the plurality of operators for each of a plurality of events are highlighted. The platform has a platform account at each of the plurality of operators. When a user places a bet via the platform, targeting operator A, the platform deposits a payment from the user into the platform account A at operator A and places a bet via the platform account A. If the user wins the bet, operator A will issue a payback to the aggregated account A, and the platform will subsequently issue the payback to the user.

The invention discloses an intelligent payment service auditing system, method, device and equipment, belongs to the technical field of data processing, and aims to improve the auditing efficiency and accuracy of payment services. The method comprises the following steps: receiving material information of a to-be-audited payment service sent by a client; calling an agent matched with each auditing dimension according to a plurality of auditing dimensions involved in the material information, and sending the material information to each agent in parallel; receiving auditing sub-results generated by each agent for independent analysis of the auditing dimension matched with the agent; when it is detected that divergence exists between the audit sub-results, a debate instruction is issued to each agent so as to control the agents to conduct debate; and receiving the review sub-result of each agent after debate correction, and generating a review result based on each corrected review sub-result.

The invention relates to the technical field of software testing, can be applied to business system platforms of financial science and technology, medical treatment and health and the like, and discloses a fault simulation method, device and equipment based on a code probe and a medium. Constructing a corresponding fault logic code according to the payment data link; injecting the fault logic code into the to-be-tested fault object to obtain a target fault object; performing payment fault simulation on the target fault object according to a preset payment fault simulation condition and the fault logic code to obtain fault response data corresponding to the target fault object; and performing fault analysis on the target fault object according to the fault response data to obtain a target fault analysis report of the target fault object. According to the invention, full-link intelligent fault simulation can be realized and the verification reliability of each transaction of the target system can be improved.

The invention relates to the technical field of edge computing, in particular to an intelligent parking unattended vehicle access management system and method based on edge computing. The method comprises the following steps: a vehicle detection positioning unit obtains multi-modal data based on a multi-modal sensor array module, and realizes real-time positioning of a vehicle and real-time updating of a parking space state through a Kalman filtering algorithm in combination with a QBCN information interference variable; the license plate recognition unit completes license plate feature extraction and recognition on the basis of a multispectral imaging technology and a lightweight CRNN model under the condition of abnormal illumination. The edge calculation decision unit combines a real-time rule engine and a space-time anomaly detection algorithm, optimizes a resource allocation strategy, and realizes low-delay decision and localization control; the payment authentication unit adopts a block chain intelligent contract, dynamic rate calculation, multi-factor identity authentication and abnormal payment fusing protection; and the edge cloud collaboration unit realizes model differential updating, cross-domain task scheduling and energy efficiency optimization through federated learning and space-time data compression technologies.

The invention discloses a supply chain data-oriented enterprise upstream and downstream collaborative risk control prediction method and system, and relates to the technical field of supply chain financial risk management, and the method comprises the steps: extracting a payment time deviation value between enterprises to construct a payment behavior sequence, calculating a supply chain collaborative credit rating based on a fluctuation amplitude and a historical default record, and recognizing a risk source enterprise; adopting a recursive partition time window to extract a period index and a sudden change index of the payment behavior, and constructing a payment behavior portrait; identifying associated enterprises through the phase overlapping degree of the payment behavior track to form a risk conduction sequence; and based on the evolution law and the risk conduction sequence of the payment behavior portrait, predicting a risk triggering node, and generating a risk prevention and control scheme including a credit line regulation and control instruction and a behavior monitoring strategy. The method can effectively identify the supply chain risk source, predict the risk conduction path, and improve the financial risk control capability of the supply chain.

A system for real-time creditworthiness assessment of small and medium-sized enterprises (SMEs) based on agent-based artificial intelligence (AI), the system includes: a large number of autonomous agents connected to each other via secure communication protocols; a data ingestion processing unit configured to capture and preprocess heterogeneous data streams from structured and unstructured sources, including APIs for financial transactions, tax databases, e-invoicing registers, inventory management systems, social sentiment feeds, and IoT-enabled devices, with preprocessing including schema harmonization, anomaly detection, and encryption-based integrity preservation; an ensemble of scoring control units configured to generate dynamic credit scores, wherein the ensemble includes machine learning models, including gradient-enhanced decision trees, recurrent neural networks, and graph neural networks, the graph neural networks being configured to assess relational dependencies between SMEs, suppliers, and customer nodes in a business ecosystem; an audit controller configured to generate regulatory-compliant justification paths for each credit score; a feedback processing unit configured to update the evaluation control unit ensemble using reinforcement learning signals derived from observed repayment behavior, payment default trends, and fraud detection markers; and a user interface configured to display timestamped credit histories, confidence intervals and explanatory justifications, with the entire system running on a containerized cloud-native infrastructure with blockchain-based ledgers for version control of each point update.

A method of provisioning a credential for a transaction between a payment device of a user and a transaction processing device is described. The method is implemented a third-party server remote from the payment device and the transaction processing device. The method comprises assigning the credential to the transaction and the user and provisioning the credential into the payment device for subsequent retrieval by the payment device. Assigning the credential to the transaction comprises: determining unique identifying information of the user; allocating a first user-identifying portion of the credential to correspond to the unique identifying information; determining a plurality of properties intrinsic to the transaction and encoding the plurality of properties into transaction-identifying information; and allocating a second transaction-identifying portion of the credential to correspond to the transaction-identifying information. The credential is associated with encrypted authentication data that is generated by the payment device during the transaction, and used for subsequent authentication of the transaction by the remote third-party server.

The invention relates to the technical field of self-service, and particularly discloses a non-inductive payment method and device, and the method comprises the steps: collecting goods taking pictures of a plurality of clients through a binocular camera and an infrared array which are disposed at the top and side surfaces of a cabinet body, extracting hand key points through posture estimation, and distinguishing the identity through multi-target tracking; a gravity sensor under a shelf board detects the weight change of each goods allocation, and combines with a visual track to construct the space-time correlation of goods movement, so as to realize the cross validation of goods taking behaviors; the convolutional neural network performs abnormal behavior detection on the multi-modal data and generates a risk score; creating a virtual shopping basket containing a space-time mark for each customer, and judging commodity attribution by adopting a decision tree algorithm; and executing distributed bill generation and multi-channel fee deduction according to the risk level, and completing real-time settlement in a multi-client concurrent scene. According to the method, the commodity affiliation accuracy and the payment security are remarkably improved, and efficient and stable unmanned retail operation can be realized.

The invention relates to the technical field of data processing, can be applied to business system platforms of medical health, financial science and technology and the like, and discloses a payment business processing method based on a process engine, which comprises the following steps: standardizing an input / output interface, packaging business logic into business nodes, and storing the business nodes in a node library. And selecting nodes, configuration information and a connection relationship according to service requirements, and generating a process model. And starting the process engine, and converting the process model to obtain a process instance. And extracting node information and a connection relationship, scheduling node execution, obtaining real-time data, and generating a dynamic adjustment decision. And according to the decision and the real-time data, adjusting a process instance execution path and node parameters, scheduling node execution, completing payment service processing, and storing process instance information in a historical record library. By standardizing the interface, packaging the service nodes, generating the process model and dynamically adjusting the execution path and parameters, the payment service processing is efficiently completed, the flexibility and efficiency are improved, and the process information is convenient to store and trace.

The invention discloses a method for assisting in identifying telecommunication fraud through artificial intelligence, and relates to the technical field of artificial intelligence risk control, and the method comprises the steps: automatically identifying voice or text content through artificial intelligence, and extracting account and identity information; performing online verification on the account and the identity information, and under the condition that the identity cannot be verified, performing behavior monitoring and evaluating whether the user has a transfer intention or not; when the transfer intention exists, performing communication verification between the artificial intelligence and the cloud server, and if the communication fails or the verification is abnormal, terminating the transaction request; if the communication is normal and the user insists in payment, further judging whether the identity of the payee is credible or not, and if not, automatically transferring to the credible payee account to which the payee belongs; synchronously calling a block chain technology to record transaction information, generating a block chain smart contract, and locking funds to a contract account after user confirmation; and releasing the fund to the collection account after the smart contract condition is fulfilled, otherwise, returning the fund to the user account along the original path.

The present disclosure teaches an integrated computerized platform for sports gambling. First, a plurality of legal operators for sports gambling are identified in a given state. The platform collects data from the operators and aggregates the collected data. The aggregated data is displayed to users of the platform, wherein the most favorable line provided by the plurality of operators for each of a plurality of events is highlighted. The platform has a platform account at each of the plurality of operators. When a user places a bet via the platform, targeting operator A, the platform deposits a payment from the user into the platform account A at operator A and places a bet via the platform account A. If the user wins the bet, operator A will issue a payback to the aggregated account A, and the platform will subsequently issue the payback to the user.

The invention discloses an invoice automatic auditing and intelligent settlement system for automobile road rescue, and relates to the technical field of intelligent settlement systems, a correction module integrates a machine learning model to analyze historical bills, automatically corrects unreasonable settlement amount and generates a correction suggestion report, a prompt module builds an intelligent priority matrix, and the intelligent priority matrix is sent to a server. The reminding frequency is dynamically adjusted according to parameters such as the historical settlement scale and the service life of a supplier, the settlement module recognizes an abnormal invoicing terminal by combining an invoicing equipment fingerprint recognition technology, a payment process is automatically triggered after verification is passed, a supplier credit portrait system is established, and a dynamic settlement scheme is supported. The settlement system establishes an intelligent priority matrix to realize important supplier high-frequency reminding and low-risk project low-frequency intervention, so that the whole process timeliness is guaranteed, the defects of a traditional rule engine in coping with complex scenes are effectively overcome, and the response capability and the autonomous decision-making capability of the system to abnormal behaviors are improved.

The present invention discloses a blockchain-integrated financial reputation scoring system designed to assess financial credibility within decentralized ecosystems. The system generates a dynamic accountability score based on blockchain transactions, including escrow payments, invoice completions, smart contract interactions, DeFi transactions, NFT trading, and cross-chain financial activities. A risk-adaptive score weighting system dynamically adjusts the impact of financial behaviors based on transaction risk, counterparty trustworthiness, and historical financial patterns. The score is leveraged for tiered access to financial products, lending, and collateral adjustments. AI-enhanced anomaly detection prevents fraudulent score inflation, while privacy-preserving verification ensures secure reputation authentication. The system further extends into insurance underwriting, compliance verification (AML / KYC), and financial access expansion, allowing traditional institutions to assess blockchain-based creditworthiness. Quantum-resistant cryptographic techniques secure reputation data, ensuring trust and adaptability in both decentralized and traditional financial ecosystems.

The invention discloses a multi-encryption-based AI glasses security payment method and a related device, and relates to the field of security payment. In the method, multi-modal biological information of a user is collected, when the multi-modal biological information is consistent with preset biological information, a dynamic password request is sent to bound target equipment, and a dynamic password returned by the target equipment is received and displayed on a display interface; and when the user inputs the dynamic password on the payment interface, encrypting payment information by using a private key to obtain encrypted information, sending the encrypted information to a payment server to decrypt the payment information through the payment server and verify the decrypted data through a block chain network, and when the verification result is successful, sending the encrypted information to the user. Fund transfer is executed according to the payment information; and fund transfer information returned by the payment server is received. By implementing the technical scheme provided by the invention, the payment security and convenience are improved, and information leakage is effectively prevented through a multi-encryption technology.

Determining user types from behavior is described. An artificial intelligence (AI) model is trained to classify user accounts of a payment service into different user types using contextual data associated with processed payments between the user accounts. The AI model is used to analyze additional contextual data associated with additional payments between additional user accounts to classify the additional user accounts, and, if a particular user account of the additional user accounts is associated with a user type of the different user types that requires an action to be performed, an instruction is sent to a user device associated with the particular user account to cause a payment application to present a user interface element prompting a user to perform the action, and, based on whether the action was performed, account data indicating whether the particular user account is an authorized account is stored in a datastore.

The invention discloses a cross-currency financial transaction real-time settlement and reconciliation system and method. The system is composed of a transaction matching module, a settlement engine module, an intelligent contract module, a reconciliation checking module and a distributed account book module. The transaction matching module completes multi-currency order matching according to a price-time priority rule; the clearing engine module is based on an intelligent contract adjustment algorithm and a plurality of parallel channels; the reconciliation checking module generates a bill abstract for each liquidation result, and constructs a tamper-proof abstract chain; the distributed account book module synchronizes a multi-node balance state through an adjacent weighted aggregation algorithm and verifies abstract consistency; meanwhile, a load balancing and feedback control mechanism is built in, and a clearing path and channel task distribution are dynamically adjusted. According to the invention, second-level matching, high-frequency reconciliation and auditing and tamper-proof accounting management in a multi-institution and multi-currency environment are realized, and an efficient, safe and extensible technical solution is provided for cross-border payment and settlement.

The invention relates to the technical field of cost control, in particular to a project cost progress management control method and system, and the method comprises the following steps: collecting attendance equipment material data, combining and calculating resource expenditure density, deducing cost pressure in combination with processes and positions to generate a pressure value sequence, and superposing payment records to calculate daily payment intensity; inputting an abnormal factor algorithm to detect deviation to generate a response fault, analyzing process change to screen a risk section to generate a structural fault, extracting a progress and payment intensity ratio to screen an asynchronous period, constructing a control time axis to analyze a relationship between expenditure density and payment intensity slope, and generating a progress management control result set. Attendance checking, equipment operation and material consumption data are collected to derive cost pressure, abnormal deviation is recognized, risks are early warned, the process and resource change trend is analyzed, the relationship between progress and payment intensity is coordinated, the precision, real-time performance and response efficiency of cost control are improved, and it is guaranteed that a project investment target is smoothly achieved.

1. The name of the design product: Payment device. 2. The use of the design product: For making payments, especially face recognition payment and near-field communication-based payment. 3. The design key points of the design product: Lie in the shape. 4. The picture or photo that best shows the design key points: 3D view 1 of Design 1. 5. Design 1 is designated as the basic design.

The invention relates to the technical field of data processing, in particular to a contract text key payment index extraction method based on natural language processing, which comprises the following steps of: performing structured chapter division on a contract text, constructing a chapter hierarchical tree, and extracting a key payment index of the contract text according to a matching relationship between multi-level path nodes of the chapter hierarchical tree and chapter title keywords, setting a candidate path containing payment information; extracting an action entity of each contract text in the candidate path, and extracting a correlation index corresponding to the action entity according to a condition clause and a condition type of the action entity; extracting adjacent words based on the relevance index of the action entity, and constructing a word relation graph by analyzing the part-of-speech features of the adjacent words and the current action entity; iterating the word relation graph according to a preset association rule, and correcting each node in the word relation graph; outputting a key payment index corresponding to the contract text according to the difference part of the word relation graph before and after correction; accuracy and efficiency of payment index extraction are realized.

The invention discloses a shopping method and system based on cooperation of a door lock and an unmanned supermarket, and the method comprises the steps: generating an improved multicast joining message according to shopping list information inputted by an owner on an intelligent door lock, and transmitting the improved multicast joining message to a preset multicast address, thereby completing multicast registration; according to an event triggered by face scanning after an authorized user arrives at the unmanned supermarket, the supermarket door lock generates a verification request message and sends the verification request message through multicast, identity verification is completed, and the supermarket door lock is opened; according to a payment request triggered after the authorized user selects and purchases the commodity, the payment machine generates a payment confirmation message and sends the payment confirmation message through multicast, and an owner confirmation interface is triggered; according to the payment confirmation operation of the owner, the door lock collects the payment two-dimensional code and sends the payment two-dimensional code to the payment machine, after payment is completed, the door lock sends a multicast leaving message, and the shopping process is ended. According to the embodiment of the invention, flexible cooperation of the door lock and the supermarket system can be realized, and the problems of convenient shopping and safety management and control in an offline scene are solved.

The invention discloses an analysis method and system for internet enterprise credit risk assessment, and belongs to the technical field of internet finance, and the method comprises the steps: obtaining multi-source enterprise operation data of a target enterprise and an associated party, the multi-source enterprise operation data comprising payment flow data and tax invoice data; based on the multi-source enterprise operation data, identifying an enterprise association relationship between a target enterprise and an associated party, and constructing a dynamic enterprise relationship graph by using the enterprise association relationship; based on the multi-source enterprise operation data, extracting a time sequence behavior index of the target enterprise; fusing the dynamic enterprise relation graph and the time sequence behavior indexes to generate coupling risk features; and generating a credit risk assessment result according to the coupling risk features. According to the method, a multi-source data fusion mechanism and a dynamic enterprise relation graph construction technology are adopted, coupling risk features can be generated, a risk infection path can be simulated, and panoramic risk portraits and prospective early warning are realized.

The invention discloses an intelligent payment routing method and device, equipment and a storage medium, and relates to the field of intelligent payment management. The intelligent payment routing method comprises the steps of obtaining a payment bank corresponding to a user bank card in response to a payment request of a user; based on the amount of the payment request and the payment bank, matching an optimal payment route of the payment request pair through a multi-dimensional dynamic weight model; and in response to the matched optimal payment route corresponding to the payment request, performing payment operation of the payment bank through the optimal payment route. Through the above mode, the method can dynamically adjust the selection rule of the payment route.

The invention discloses an AI-driven digital economic supply chain optimization method. According to the invention, a novel supply chain system with active pre-judgment and dynamic adaptation is constructed. The core breakthrough of the method is that passive risk management is converted into a opportunity creation mechanism, and traditional supply chain decision logic is remodeled by relying on a virtual-real symbiotic intelligent deduction system. The generative adversarial network simulates compound crisis scenes such as geographical conflicts and digital asset transactions in real time, and a quantum optimization algorithm and Monte Carlo tree search are combined, so that the system not only can predict a conduction path of global chip shortage to a production line, but also can generate breakthrough solutions such as cross-chain encryption settlement and redundant node resource securitization. The pre-judgment type deduction mechanism, block chain dynamic scheduling and metabolic resource configuration form a closed loop, and in response to encrypted currency flash collapse, a decentralized payment channel can be automatically switched to avoid risks, a digital asset arbitrage window can be captured through an intelligent contract, and co-evolution of risk resolution and value increment is realized.

Systems and methods for fault tolerant digital payments are disclosed. The system comprises a computing system that can automatically determine if payments should be processed using a digital payment processing system, or using a blockchain. When the system detects that communication with the digital payment processing system has been interrupted, the system may facilitate transactions through the blockchain. In particular, the system can retrieve private keys for addresses on the blockchain and facilitate customer payments through the blockchain.

A system and method are disclosed for enabling secure and low-friction peer-to-peer financial transactions using email communication without requiring user login. A payment server receives an email message from a responder that includes a token embedded in a mailto hyperlink. The server extracts and decodes the token to retrieve transaction data, including the responder's email address and a transaction amount. The server authenticates the responder by comparing the email address extracted from the token with the sender address of the email. Upon successful validation, the server initiates a financial transaction with a payment processing system—without requiring the responder to access a login page, enter credentials, or navigate to a website. The invention improves upon conventional browser-based payment workflows by reducing user interaction and enhancing transaction efficiency and security.