2362 results about "Payment" patented technology

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 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.

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 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.

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 a clothing supply chain transparent purchasing and collaborative management method and system based on the Internet of Things and a block chain. The method comprises the following steps: monitoring and collecting state data of raw materials in real time through Internet of Things equipment; when the state data meets a preset purchase triggering condition, a purchase demand transaction is automatically generated and broadcasted on the alliance block chain network; a purchase smart contract deployed on the alliance block chain network responds to the purchase demand, screens candidate suppliers, and quantitatively scores the candidate suppliers based on multi-dimensional historical performance data obtained from a distributed account book to automatically determine a target supplier; the purchase smart contract automatically generates a purchase order transaction and performs consensus evidence storage on the alliance block chain network; and continuously tracking order state update on the alliance block chain network, and automatically executing a settlement process when a preset payment condition is satisfied. According to the invention, the problems of opaque information, lagging purchasing decision, low process efficiency and difficulty in multi-party collaboration of the traditional clothing supply chain are solved.

The invention provides a virtual resource processing method and device, electronic equipment, a computer readable storage medium and a computer program product. The method comprises the following steps: in response to a customer, selecting a payment mode for a merchant as a target payment mode, jumping from a merchant platform to an acquirer platform corresponding to the target payment mode, and displaying a payment order in the acquirer platform; in response to a selection operation for a payment bank, displaying collection account information of the merchant; in response to a copy operation for the payment account information, skipping to a payment page of a payment bank from the acquirer platform, and displaying collection account information in the payment page; and in response to payment operation triggered based on the payment page, transferring the virtual resource of the payment amount from the payment account to a transition account associated with the collection account, and transferring the virtual resource of the payment amount from the transition account to the collection account under the condition that the risk identification of the acquirer platform on the payment account is passed. According to the invention, the security of the collection account can be improved.

The invention discloses a cross-border payment path selection method and system based on payment channel dynamic adjustment. The method comprises the following steps: collecting real-time state information of a plurality of cross-border payment channels; generating a comprehensive score based on the state information and the transaction context, and punishing time delay fluctuation and channel congestion; generating an initial path plan, splitting the target amount into at least two sub-amounts, distributing the sub-amounts to different channels, and generating a settlement instruction; in the payment execution process, channel states are continuously monitored, comprehensive scores are dynamically updated, if the score advantage of a standby channel exceeds a preset threshold value and is continuously kept, or the default probability of a current channel exceeds a threshold value, path adjustment is triggered, only unsubmitted or revocable sub-amounts are switched, and the sequence of submitted sub-amounts is kept; and after settlement is completed, account checking and difference marking are performed on the channel, and the score and path parameters are backtracked and updated based on an execution result. According to the method, multi-dimensional dynamic routing can be realized in cross-border payment, the cost is reduced, and the success rate and the stability are improved.

The invention relates to a risk control method for cross-border trade data. Cross-border trade behaviors are divided into three levels, namely a system type layer of national system / policy triggered transaction, a business type layer of a process chain and an execution type layer of data submission / customs clearance / payment behaviors. Modeling a behavior stability mapping relation among the three hierarchies through sparse matrix reconstruction and adversarial noise regression; introducing an interlayer fluctuation tension coefficient for each transaction to measure offset appearing in a behavior chain; when the tension peak value exceeds a training threshold value, even if single-point data is not abnormal, the event is marked as a potential risk transition event; according to the method, cross-border transaction behaviors are divided into a system type layer, a business type layer and an execution type layer, and an interlayer fluctuation tension coefficient is introduced, so that a cross-level collaborative imbalance phenomenon in a transaction chain is effectively captured. Even under the condition that no obvious field anomaly exists, the pseudo-legal transaction mode caused by behavior chain structure mutation can be recognized, and early warning of non-dominant structure anomaly is achieved.

The invention discloses a meta universe experience interaction system based on a block chain technology, and relates to the technical field of block chains and information security. A real-time and automatic contribution degree evaluation and right and interest distribution mechanism based on the block chain is constructed, and fine management of process traceability, contribution quantizability and right and interest dynamic adjustment is realized; through high-frequency collection of user operation behaviors and fusion of multi-dimensional features for stream-oriented calculation, the fine value of each creation action can be accurately captured, and it is ensured that a final right allocation result truly reflects the actual payment of each participant; not only are fairness and accuracy of copyright definition greatly improved, but also potential dispute caused by unclear ownership is effectively avoided; meanwhile, the system automatically converts a complex contribution evaluation result into a right share and an income distribution rule on a chain through an intelligent contract, and achieves whole-process automation and detrust of right management.

The disclosed computer-implemented method may include generating an interface code configured to connect to a payment server and generating, in response to loading a merchant website hosted on a merchant server that integrates the interface code, a payment interface with the interface code. The interface code may bypass the merchant server to connect to the payment server. The method may also include completing a payment using the payment interface that bypasses the merchant server to connect to the payment server. Various other methods, systems, and computer-readable media are also disclosed.

Systems and methods leverage a multi-stage artificial-intelligence pipeline to convert raw point-of-sale data into bank-grade digital receipts. A convolutional-OCR front end extracts line-item text, which a bidirectional-LSTM classifier normalises and categorises in real time, learning continuously from user feedback. A graph-based anomaly detector flags suspicious spend patterns, while a recommender sub-engine delivers personalised rewards and sustainability insights by fusing purchase context with external carbon-intensity data. The enriched receipt is cryptographically hashed, streamed through an encrypted gateway, and auto-matched to the corresponding payment entry inside the banking core. By driving extraction, classification, enrichment and integrity checks entirely through AI, the system eliminates manual mapping and enables immediate, tamper-evident reconciliation across heterogeneous merchants and payment rails.

The invention discloses an electronic ticket ordering and payment application system based on a block chain, relates to the technical field of block chains, and is used for ticket business whole-process digital management, and a user interaction module supports multi-terminal operation and information management; the block chain order management module is responsible for order chaining and state updating; the multi-mode payment module supports double-track payment and encrypted transmission; the comprehensive matching module is linked with the block chain order management module and comprises a meal subsystem, a tourism subsystem, a hotel reservation subsystem and the like, and the passenger ticket verification module realizes multi-mode verification; the data storage module stores key data; and the intelligent contract scheduling module automatically executes the pre-deployed contract. The problems that an existing system is poor in data safety, low in efficiency and insufficient in adaptability are solved, ticket transaction safety and process automation are improved, data synchronization is guaranteed, multiple languages and multiple currencies are supported, user privacy is protected, multiple scenes are adapted, and travel and supervision requirements are met.

The invention discloses an ultrahigh-frequency radio frequency tableware batch identification and transaction control system based on artificial intelligence, and the system comprises a tableware radio frequency tag module which is used for embedding an ultrahigh-frequency RFID tag in a tableware body; the radio frequency reading and signal acquisition module is used for outputting structured data records; the artificial intelligence identification and error correction module is used for generating a credible tableware identifier set and a state feature set; the array antenna control module is used for dynamically adjusting a beam direction angle and a transmitting power parameter value of the array antenna; the edge computing transaction processing module is used for inputting the trusted tableware identifier set into an edge computing transaction processing flow and executing repeated charging risk verification; the payment control module is used for returning a payment result; and the background management and tracking module is used for generating operation statistics and abnormal record entries. The system has high-precision tableware identification, low-delay settlement and abnormity prevention and control capabilities, and is suitable for automatic identification and intelligent settlement management of batch tableware in a catering scene.

The invention provides a real-time fraud detection method and system based on multi-modal fusion, and belongs to the technical field of financial transaction fraud detection.The method comprises the steps that firstly, payment behaviors, transaction texts and account behavior data are connected in series through a transaction event unique identifier, and a real-time multi-modal transaction data link is formed; generating an inter-modal fraud association link based on the inter-modal fraud association link; performing interactive operation to obtain cross-modal fraud intermediate features; constructing a transaction fraud tendency path according to a transaction link time sequence; and finally, analyzing the transaction fraud tendency path to determine a fraud association level, generating a fraud response instruction containing a transaction blocking instruction and risk notification content, and transmitting the fraud response instruction to a transaction processing system to terminate the transaction, so that multi-modal data can be comprehensively integrated, a transaction time sequence is considered, and the fraud detection accuracy and real-time performance are improved.

The invention discloses a platform payment risk control method and system based on new retail e-commerce, and relates to the technical field of network transaction security control, and the method comprises the steps: collecting multi-dimensional data containing user credit data and transaction scene data in real time, building a risk control evaluation model through a machine learning algorithm, and carrying out the risk control evaluation model; the method comprises the following steps: performing weighted scoring on collected multi-dimensional data to obtain a user and transaction combination risk level, dividing the user and transaction combination risk level into a low risk level, a middle risk level and a high risk level, dynamically configuring risk control parameters according to different risk levels, performing real-time monitoring on a transaction whole process, and recording a transaction success rate and a fund safety rate after parameter adjustment. According to the method and the system, through online and offline fusion and data driving of new retail, dynamic adjustment can be performed in combination with user credit and transaction scenes, and the user experience is improved while transaction risk control is guaranteed.

A method for auditable off-chain transaction in block-chain network includes: defining counterparties, auditors and their responsibilities; creating an off-chain payment channel between the counterparties and initializing the off-chain payment channel by both of the counterparties; updating channel status during each transaction process; and initiating an audit process to verify an integrity of a history of the off-chain transaction after the off-chain payment channel is closed; wherein a hash chain linking current and previous transactions of the off-chain payment channel in a chronological order is established during the transaction processes, and an Accountable Assertions with Flexible Public Key (AAFPK) mechanism is used to bind fund and commitment information generated by counterparties to a flexible public key through assertions, the hash chain is submitted to auditors for verifying when off-chain payment channel is closed, and AAFPK mechanism binds inconsistencies or differences of the off-chain transaction to a responsible party.

The invention discloses a payment method and device, equipment, a storage medium and a program product. The method is applied to a client side and comprises the steps that if a natural language instruction is received, a service request corresponding to the natural language instruction is generated; if it is detected that the service request comprises payment calling information, vectorizing target payment information in the service request to obtain a payment feature vector; performing semantic extraction on the natural language instruction to obtain a semantic vector; splicing the payment feature vector and the semantic vector to obtain a fused feature vector; adding the fusion feature vector into a service request to obtain a target payment request; and sending the target payment request to a server corresponding to the target payment request, so that the server determines a payment trust score based on the fusion feature vector and the reference feature vector in the target payment request, and performs payment based on the payment trust score. According to the embodiment of the invention, the security of payment by using the payment type MCP service can be improved.

An example process includes causing a website of a merchant to load to an in-app browser within a payment application executing on a user device of a user. The example process further includes presenting, via a user interface of the user device, an interactive element on a checkout page of the website. A determination is made that the interactive element has been selected. The selection generates a payment request for a payment to the merchant from a user account associated with the payment application. The payment request is received via the in-app browser to initiate payment from the user account. The example process further includes determining that the payment request originated from within the payment application and is associated with a stored balance associated with the user account. The user account is accessed, and the payment is caused to be authorized without additional input from the user.

The invention discloses an intelligent switching method and system based on multi-platform overseas payment, and the method comprises the following steps: accessing a plurality of overseas third-party payment platforms, and building a unified order processing flow through a transaction service; a monitoring point is embedded in the payment interaction process of the application program and the transaction service, payment success data and payment failure data are collected, and corresponding counters are maintained respectively; regularly pulling the counter in a parallel task mode, and counting the failure rate of each payment mode in the first time window T1; when it is detected that the failure rates of a certain payment mode in continuous N first time windows T1 all exceed a threshold theta, triggering exception handling, including marking the payment mode as abnormal, and automatically switching to a standby payment mode; and when it is detected that the failure rate of the off-shelf payment mode in the second time window T2 is recovered to be below the threshold value, automatically executing recovery operation, including re-shelving the payment mode.

The invention discloses a hybrid payment method and device based on air-railway linkage and electronic equipment, and relates to the technical field of aviation information or other related technical fields, and the method comprises the steps: analyzing a ticket buying request, and obtaining ticket buying demand information and user account information; determining a flight identifier and a railway identifier based on the ticket buying demand information, and obtaining a mileage payment rule of a target flight, a ticket price of the target flight and a ticket price of a target railway based on the flight identifier; the mileage integral of the target account is obtained based on the user account information, the mixed payment proportion and price are calculated based on the above information and preset constraint conditions, and a mixed payment strategy is generated; and payment operation is executed based on the hybrid payment strategy, and ticket issuing information is generated under the condition that payment succeeds. According to the invention, the technical problem of low efficiency caused by the fact that a user needs to manually acquire the mileage points, know the mileage point payment rule, manually calculate the payment proportion and purchase the ticket during the purchase of the interline ticket in the prior art is solved.

The invention discloses a non-contact charging pile interaction method and device and a medium, belongs to the technical field of charging piles, and aims to solve the technical problems that non-contact interaction of existing charging piles has certain limitation, user intentions are difficult to understand, and the accuracy of action recognition is low. The method comprises the following steps: performing preliminary wake-up control on a charging pile system to obtain a wake-up control strategy; performing dual verification of the optimal interaction area and the gesture action on the user to obtain an operable control strategy; performing motion analysis on the wrist action of the user, and generating a charging adjustment control strategy based on a charging power value identified by the wrist action; performing security payment control under two-factor authentication on the gesture action of the user to obtain a security payment control strategy; and based on a wake-up control strategy, an operable control strategy, a charging adjustment control strategy, a safety payment control strategy and an environment self-adaptive control strategy, non-contact charging control of the user on the charging pile system is completed.

According to the financial risk control risk assessment method based on the dynamic list library, the problems that a traditional method is poor in real-time performance, low in precision and insufficient in adaptability are solved through dynamic weight self-calibration list library construction, multi-model fusion of a self-adaptive scene, real-time assessment of dual-channel cross validation and a closed-loop self-adaptive response mechanism. The core innovation of the method lies in that a list library and model evaluation are deeply coupled, risk attenuation factors, dynamic weight adjustment and feedback closed loops are introduced, the fraud recognition rate is improved, the misjudgment rate is reduced, and the method can be widely applied to financial scenes such as banks and payment platforms.

The invention discloses a dynamic credit assessment risk control method and system based on tendency score matching, and relates to the technical field of credit assessment, and the method comprises the steps: S1, periodically collecting credit behavior data, and carrying out the preprocessing of the collected data; s2, constructing a field priority ranking table, and quantifying the joint fluctuation degree of the transaction behavior and the repayment behavior to obtain a credit behavior evaluation value; s3, generating an effective difference value sequence, executing a sliding window aggregation operation on the effective difference value sequence, and identifying an unstable window sequence; and S4, reading the instability window sequence to construct an instability fragment feature sequence, evaluating the credit fluctuation risk level of each instability fragment, executing credit risk grade judgment, and generating a grading risk report. The problem that a dynamic credit assessment result is prone to generating false risk fluctuation due to the fact that an existing credit risk assessment technology cannot identify a credit behavior instability fragment through time sequence joint fluctuation of a transaction behavior and a repayment behavior is solved.

The invention relates to the technical field of intelligent glasses payment, and discloses a payment method and system based on intelligent glasses. The method comprises the following steps: collecting user iris biological characteristic data through an intelligent glasses eye pupil recognition module to generate an iris characteristic sequence; performing feature point extraction and pattern analysis on the iris feature sequence to obtain an identity verification result; when the identity verification result reaches a preset confidence threshold value, activating the near field communication module to establish a payment channel; acquiring payment request data of the transaction terminal through the near field communication module to generate a transaction information packet; performing hierarchical encryption on the transaction information packet by adopting a block chain encryption algorithm to generate an encrypted transaction block; constructing a distributed verification chain based on the digital signature feature and the time sequence feature of the encrypted transaction block; performing consensus calculation on verification results of the nodes through the distributed verification chain to obtain a transaction verification state; according to the transaction verification state confirmation level and the network load, dynamically adjusting block chain network parameters; and finishing final execution of the payment instruction.

The present disclosure provides systems and methods for computerized methods and systems for processing transaction disputes and processing transactions associated with compromised accounts. According to one exemplary method, a server receives, from a user device, an instruction for disputing a transaction associated with a user account. The server can initiate, based on a record of the transaction, a dispute investigation, and issue provisional credit to the user account for the transaction. Based on a transaction history associated with the user account, the server can determine a plurality of expected transactions associated with the user account and cause the determined expected transactions to be displayed on the user device. After receiving a transaction authorization for at least one of the plurality of expected transactions, the server can process payments for the at least one of the plurality of expected transactions, and generate a notification indicating a status of the dispute investigation.

The invention discloses an energy storage excitation value distribution measurement method, system, equipment and medium, and relates to the technical field of power market and carbon transaction optimizing.The method comprises the steps that historical transaction data and system equipment parameter data of a power market and a carbon transaction market are collected, and a power-carbon coupling quotation model is constructed according to power-carbon market data; defining constraint conditions in the scheduling optimization process, and constructing a novel energy storage optimization scheduling model by adopting a double-layer optimization modeling method according to the constraint conditions; and a scheduling strategy is optimized through the novel energy storage optimization scheduling model, and the market value of the bidding subject is calculated by applying a VCG mechanism to the output of the power-carbon coupling quotation model. According to the method, bidding payment is optimized through a VCG mechanism, fair and reasonable market value distribution is ensured, a double-layer optimization scheduling model is adopted, and the earnings of energy storage equipment in an electric energy market and a frequency modulation market are improved.