6011 results about "Payment" patented technology

Blockchain synchronization and point-of-sale integration systems are provided in a packet-switched computer network. The POS interfaces through the network with a consumer smartphone and a blockchain validation device. The POS shares a session identifier with the blockchain validation device by transmitting a graphic encoding of a payment request and the session identifier to the smartphone. The camera of the smartphone is configured with an image of the graphical encoding. A payment instruction is encoded to conform to the payment request including the session identifier and is transmitted to the blockchain validation device. The blockchain validation device performs a verification of the correctness and authenticity of the payment instruction encoded in the data record. The POS device receives a confirmation that the correctness and authenticity of the payment instruction encoded in the data record to confirm it has been verified.

An example operation may include one or more of storing transaction content from transactions executed via one or more fiat payment accounts and one or more crypto accounts of a digital wallet of a user, and determining, via execution of a machine learning model on the stored transaction content, a recurring expense value of the user and a next point in time in which the recurring expense value, dividing the recurring expense value into a plurality of sub-values; generating a plurality of transactions which transfer the plurality of sub-values from a fiat payment account to a crypto account from among the one or more crypto accounts and store the plurality of transactions within a queue, initiating a plurality of time-to-live jobs for the plurality of transactions, respectively, wherein the plurality of time-to-live jobs comprise a plurality of different respective expiration times that are staggered such that the plurality of time-to live jobs expire in incremental intervals from a current time to the next point in time in which the recurring expense value is due and executing the plurality of transactions at the plurality of different expiration times to incrementally transfer the plurality of sub-values from the fiat account to a crypt account via an application programming interface (API).

An example operation may include one or more of storing transaction content from transactions executed via one or more fiat payment accounts and one or more crypto accounts of a digital wallet of a user, and determining, via execution of a machine learning model on the stored transaction content, a recurring expense value of the user and a next point in time in which the recurring expense value, dividing the recurring expense value into a plurality of sub-values; generating a plurality of transactions which transfer the plurality of sub-values from a fiat payment account to a crypto account from among the one or more crypto accounts and store the plurality of transactions within a queue, initiating a plurality of time-to-live jobs for the plurality of transactions, respectively, wherein the plurality of time-to-live jobs comprise a plurality of different respective expiration times that are staggered such that the plurality of time-to live jobs expire in incremental intervals from a current time to the next point in time in which the recurring expense value is due and executing the plurality of transactions at the plurality of different expiration times to incrementally transfer the plurality of sub-values from the fiat account to a crypt account via an application programming interface (API).

The invention is an AI-driven blockchain platform for automated trade management, featuring smart contract customization, cross-chain interoperability, and quantum-resistant security. It tokenizes legal rights, obligations, and asset ownership as NFTs on the blockchain for transparency. The platform adapts contracts in real-time based on market data, compliance, and IoT-monitored trade conditions. It includes automated cryptocurrency payments with privacy controls, a decentralized dispute resolution system, and modules for modular automation and risk management. The platform supports dynamic compliance adjustments and ethical trade metrics, enhancing international trade operations through AI-driven matchmaking and behavioral analytics for partner vetting. By integrating advanced cryptographic techniques and IoT data, the platform ensures secure, efficient, and adaptable trade processes across multiple blockchain networks, optimizing workflows and safeguarding transactions against future technological threats.

Systems and methods disclosed herein include a mobile solution to enable users to perform financial transaction over a network using a mobile device. These techniques allow users to maintain a single personal account identifier or number (“PAN”) on the user's mobile device and to utilize it to access a plurality of linked financial accounts and sub-accounts. Any one of the accounts can be selected by a user on the mobile device to remotely deposit funds to that account based on an image of a financial payment instrument. The image can be obtained using image capture technology on the user's mobile device. Users can perform a financial transaction using the verified images over a network in order to conduct a remote financial transaction such as applying a deposit, a payment, or cash load to a designated account which is linked to the user's mobile account in real-time or near real-time.

The invention relates to the technical field of space behavior analysis, and discloses a user consumption behavior analysis method and system for different scenes in a commercial space, and the method comprises the steps: obtaining user behavior data through a wireless positioning device and a distributed environment sensor; performing space-time alignment on the multi-source heterogeneous data, and fusing commodity granularity data of a transaction system to construct a three-dimensional trajectory model; based on the three-dimensional track model, identifying residence characteristics and a moving mode of the user, and associating commodity distribution to generate a dynamic thermodynamic diagram; adjusting a guidance strategy and environmental parameters according to the density gradient of the thermodynamic diagram and the user attribute hierarchy; the payment feature data and the user behavior data are integrated to update the user tag, and a cross-regional association strategy is generated, the comprehensive, flexible and efficient commercial space user consumption behavior analysis method is provided, the problem that in the prior art, dynamic user behaviors are understood insufficiently is solved, and therefore the commercial intelligence process is promoted.

In accordance with embodiments of the present disclosure, a method for conducting secure financial transactions uses a model-based reflex agent to ensure real-time authorization, anomaly detection, and risk assessment. The agent receives transaction-related data, maintains an internal state reflecting observed and inferred conditions, and applies condition-action rules to determine appropriate actions, such as authorizing payments, triggering multi-factor authentication, or halting transactions. The agent dynamically updates its internal state based on feedback, adapts to changes using machine learning, and ensures compliance through audit logs. This approach enhances security, minimizes fraud, and provides seamless, adaptive processing for financial transactions in dynamic environments.

The invention discloses an electronic bill data management system and method based on artificial intelligence, and belongs to the technical field of artificial intelligence. The method comprises the following steps: collecting bill data in an electronic bill, extracting features from the bill data by using a feature extraction algorithm, classifying article names in transaction article details through a predefined article classification model, and matching the article names with standard codes in a commodity database; checking whether the bill data has a modification trace or not, comparing historical data, detecting consistency, and returning the electronic bill and marking a corresponding collection user when an exception is found; when the bill data is not abnormal or inconsistent, analyzing whether the amount of money in the electronic bill exceeds a conventional transaction range or not, and generating a risk rating of the bill data; performing risk rating on the receiving users, and analyzing the price interval of the same type of the receiving users in a period of time; and carrying out weighted integration to generate an electronic bill comprehensive risk rating, and transmitting the electronic bill data to a reimbursement platform.

The invention relates to a data processing method and system based on dynamic routing. The method comprises the following steps: receiving a transaction request initiated by a user; the transaction request comprises merchant information, a payment mode and a transaction amount of the user; obtaining a currently available payment channel; performing multi-dimensional scoring on each payment channel to obtain a scoring result of each payment channel; determining an optimal payment channel according to the scoring result of each payment channel; processing the transaction request by using the selected optimal payment channel; and if the transaction fails, re-scoring other payment channels, and selecting a suboptimal payment channel according to a scoring result until the transaction succeeds or all payment channels are tried. The payment channel selection accuracy, the payment efficiency and the user experience can be improved.

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 relates to the technical field of ETC intelligent early warning, and discloses an ETC abnormal condition identification intelligent early warning system. According to the system, ETC related data including vehicle passing records, transaction amount and payment states, vehicle driving speed data and real-time road information are collected through a data acquisition unit, and the collected data are denoised through a data processing unit. The data processing unit is used for transmitting data, calculating real-time traffic flow, vehicle passing transaction success rate, vehicle passing time, average transaction amount and charging processing response time, carrying out license plate recognition and passing record data consistency check, and the abnormity recognition unit is used for carrying out ETC abnormity recognition based on data transmitted by the data processing unit and transmitting abnormal information to the early warning unit; the early warning unit generates corresponding early warning information and exception handling measures based on an exception detection result, summarizes and sends the early warning information and the exception handling measures to the information display unit, and the information display unit displays the early warning information and the exception handling measures on the visual terminal for information reminding and exception condition improvement.

A payment service system receives contextual information regarding an interaction between the payment service and a user device associated with a user. A propensity metric for the user is determined based at least in part on inputting the contextual information into a machine learning (ML) model. Based on the propensity metric, a user interface is dynamically configured to comprise user interface elements arranged in a layout personalized for the user, where a user interface element represents content particular to a service offered by the payment service. Based on receiving an interaction with the user interface element, a booklet is launched corresponding to the service with which the user interface element is associated.

A machine learning-based fraud detection system (100) for financial transactions, comprising the following: a data collection and preprocessing module configured to capture transaction data from financial institutions, payment gateways and bank modules, and to perform data cleansing, normalization and format conversion; a module for creating user profiles and behavioral analyses, configured to create dynamic user profiles based on historical transaction patterns, spending habits, device usage, and geographic location; an anomaly detection and risk assessment module configured to use machine learning algorithms to detect deviations from normal transaction patterns and assign a dynamic risk rating to each transaction; a fraud detection module configured to classify transactions as legitimate or fraudulent based on supervised and unsupervised learning techniques, including decision trees, support vector machines (SVMs), and deep learning models; a rule-based and hybrid fraud detection module configured to integrate predefined rule-based fraud detection mechanisms with AI-driven anomaly detection to improve fraud detection accuracy; a real-time fraud detection and warning module configured to monitor transactions in real time and generate security alerts via SMS, email or mobile app when suspicious activity is detected; a transaction verification and multi-factor authentication (MFA) module configured to implement adaptive authentication measures, including biometric verification, one-time passwords (OTP), and challenge-response authentication for high-risk transactions; a self-learning and model-updating module configured to dynamically update fraud detection models using reinforcement learning and federated learning techniques; a data encryption and security module configured to protect transaction data using encryption techniques, including AES-256 and RSA, to prevent unauthorized access and data breaches; and A dashboard and reporting module configured to provide real-time analytics, visualizations, and fraud detection reports for financial institutions to monitor, track, and mitigate fraudulent activity.

A method, system, computer program product of processing early payment financing request, enabling dynamic discounting (DD) or reverse factoring (RF) financing, via SmartHub Finance Processor (SHFP), including receiving request for Early Payment Financing Request (EPFR) from supplier; accessing asset SmartPass Non-FungibleToken (NFT) Repository; receiving risk management model; notarizing NFT ProxyPackage (NFTPP) to local NFTBlockchain Repository (NFTBCR); notarizing / collateralizing NFTPP to restricted access public NFTBCR; securely binding DynamicDiscounting (DD) NFT Cryptographic Token embodying DD Rights (DDRightsNFT), establishing Secure Unbreakable DigitalLinkage; notify EarlyPaymentNetwork (EPN), may notify FintechFinanceMarket; ValueChainFinanceExchange; DeFiMarket; or buyer; verify NFT to local NFTBCR; or respond to EPFR. Borrower requests funds presenting SmartPassDigitalCollateral, supplychainDigitalTrackTraceArtifact; Financer / Lender verify collateral process, provide bids for acceptance with a DigitalFundsTransferAgreement; register financers / lenders, provide secured access, verify DigitalCollateralBlockchainTransactions, secure collateral, ensure authenticity by Digital Signatures / Blockchain, process loan agreements, transfer electronic / cryptocurrency funds financer-to-borrower, assess fees / interest, process payments, Forward / ReverseFactoring (RF) or DD loan terms, DDRightsNFT, participate in DD making independent early payment arrangements with supplier not involving buyer.

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.

The embodiment of the invention provides a payment method, a wallet system and a storage medium. According to the method, a wallet system receives a payment request of a target order, the payment request represents that a user requests to pay the target order through a target payment medium, and a target payment rule indicating an account type allowed to be used in the payment process is obtained; determining whether a target account capable of paying the target order exists in a target payment medium based on the target payment rule; under the condition that the target account exists, the target account is used for payment to obtain a payment result of the target order; wherein the target payment medium comprises account sets corresponding to multiple account types, the multiple account types comprise a debit type and a credit type, and the account set corresponding to each account type comprises at least one account belonging to the account type.

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.

Systems, methods, and computer-readable storage media for a digital marketplace add-in. One method includes receiving an entity dataset includes marketplace design preferences that define styling and designs of an online marketplace provided by a marketplace computing system, and generating and presenting, on a user device, a first application user interface based on the marketplace design preferences, the first application user interface including a plurality of interactive elements associated with payment information of a user. The method further includes receiving a preference in response to a selection of a first interactive element of the plurality of interactive elements, and receiving, from the marketplace computing system, transaction information regarding a transaction. The method further includes identifying the user based on correlating the transaction information to the user, retrieving the preference based on identifying the user, and automatically routing, a resource to the user based on the retrieved preference.

Various examples are directed to systems, methods, and computer programs for detecting fraudulent activity and / or fraudulent actors in transaction requests associated with pay groups in a financial institution. For example, a financial server receives a transaction authorization request related to a pay group on an account of a user. The financial server monitors events associated with at least one payee of the pay group and identifies a fraud indication among a first event of the events associated with the at least one payee of the pay group. The financial server blocks the transaction authorization request related to the pay group, including triggering, by the fraud indication, stopping multiple payments to multiple payees of the pay group.

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.

A system and method for providing metered quantum entanglement-as-a-service are described. Entangled pair source nodes apply a unitary transformation to generated entangled quantum particles, such that the entangled quantum particles are transformed into a given one of a plurality of transformed states that are selected randomly or in a manner that is not readily apparent to customers. The transformed entangled quantum particles are distributed to recipients, such as customers. However, in order for the recipients to be able to use the received entangled particles to communicate shared information, such as a shared secret, the recipients require knowledge of the respective states of the entangled quantum particles resulting from the randomly selected transformations. The state information is metered out in response to receiving payment or other authorization indicating a recipient / customer has complied with terms of use of the quantum entanglement distribution service.

Disclosed are various embodiments for providing non-fungible tokens (NFT) as a mechanism for verifying ownership of payment instruments such as stored value payment instruments. First, a computing device can receive a purchase notification, the purchase notification indicating that a first user has purchased a stored value payment instrument. Then, the computing device can create a non-fungible token (NFT) on a distributed data store in response to receipt of the purchase notification. Next, the computing device can associate a unique identifier of the NFT with the stored value payment instrument. Subsequently, the computing device can receive a first public key associated with the first user. Then, the computing device can update an owner identifier of the NFT with the first public key associated with the first 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.

To reduce the possibility of errors in electronic settlement due to insufficient account balance in an electronic settlement service.SOLUTION: An application program which runs on a terminal device used by a user and provides an electronic settlement service to the user in cooperation with a settlement management apparatus, the application program being configured to: cause the terminal device to display a first screen which receives an operation to set priorities for a plurality of payment methods including a first payment method and a second payment method, as payment methods to be used in electronic settlement, the first payment method using a charge balance loaded in advance and managed by the settlement management apparatus, the second payment method using deferred payment, and cause the terminal device to display a second screen, which is a screen for setting an auto charing function that automatically executes charging to the charge balance without depending on user operation, when the priority of the first payment method of the plurality of payment methods is changed on the first screen.SELECTED DRAWING: Figure 14

A system and method for providing wagering game prizes can include a memory and a computing device in communication with the memory. The computing device can, responsive to receiving an input, modify a current credit meter based on a bet amount. The computing device can generate an outcome of a wagering game. Subsequent to generating the outcome, the computing device can receive a request to perform a payout event of the current credit meter. The computing device can determine a first payout amount based on a value of the current credit meter and preconfigured unit value for a first payment type. The computing device can initiate a first payout of the first payment type of the first payout amount. The computing device can initiate a second payout of a second payment type of a remainder amount based on the value of the current credit meter less the first payout amount.

The invention relates to the technical field of information, in particular to an omni-channel order management system based on a block chain. Comprising an order management and digital twinning module, an inventory management and cloud network cooperation module, a payment and intelligent contract module, a logistics and edge computing module, a customer service and after-sales management module, an authority management and security module, a data analysis and prediction module and a compliance and audit module. The order management and digital twinning module creates a digital model for an order through a digital twinning technology, and displays the change of an order state in real time; and the inventory management and cloud network cooperation module synchronizes inventory information of each channel in real time and dynamically allocates resources by using a cloud network fusion technology. Through digital twinning, an enterprise can dynamically monitor each link of an order in real time, when a complex supply chain is processed, problems can be predicted in advance, delay or order loss is avoided, and more efficient and more transparent order fulfillment is realized.

The invention discloses a transaction card swiping early warning method and device based on AI identification, and relates to the technical field of financial payment, and the method comprises the steps: collecting transaction data, carrying out the preprocessing, and carrying out the feature extraction according to the preprocessed data, and generating a feature set; training an XGBoost model by using the generated feature set, and generating a basic classification result after constructing a preliminary classification model for transaction risk identification; the basic classification result is introduced into a decision tree model to carry out further optimization classification on the edge sample, and the obtained optimization classification result and the basic classification result are fused to generate a transaction risk score; according to the method, the multi-dimensional features of the nodes and the hyperedges are combined, the high-order relationship in the transaction data is comprehensively captured, more accurate features are constructed for expression, the node feature propagation path is optimized layer by layer based on the graph convolutional network and the dynamic factor adjustment mechanism, and the transaction efficiency is improved. And the robustness of the model to high-dimensional data and the analysis capability of the model to complex association are ensured, so that the early warning is more accurate and efficient.

The invention discloses a payment capacity expansion processing method, device and equipment, which are applied to external payment equipment configured for a cash register, and the external payment equipment provides at least one expansion payment mode which is not possessed by the cash register. The method comprises the following steps: determining whether the cash register is in a connected state or not; if yes, a state triggering instruction is sent to the cash register through an HID protocol to trigger the cash register to open a console of the cash register and enter a command input waiting state; the method comprises the steps of sending simulation typing information to a cash register through an HID protocol to trigger the cash register, automatically inputting and executing the simulation typing information in a command input waiting state, and enabling the cash register to obtain and install a payment capacity extension program indicated by the simulation typing information through execution; through interaction with the cash register based on the payment capability extension program, the capability corresponding to the extended payment mode is used for the cash register.