18 results about "Payment schedule" patented technology

A secure digital management tool for managing real estate ownership and leases, consisting of: a tamper-proof enclosure containing a secure processing module; a biometric authentication module comprising a fingerprint sensor and an iris scanner, which are operationally coupled with a secure biometric engine to verify a user's physical identity; a document integrity module configured to generate a cryptographic hash of a digital document representing a certificate of ownership or a lease agreement; a smart contract engine configured to compile and execute the logic for legal transactions related to ownership in a Turing-complete virtual machine environment, the logic defining obligations, rights, payment schedules or renewal triggers encoded in the lease or ownership contract; a blockchain interface processing unit operationally connected to the document integrity module and the smart contract engine, wherein the blockchain interface processing unit is configured to anchor cryptographic hashes of the documents and the execution status of smart contracts in a decentralized ledger network; a secure element embedded in the secure processing module and configured to store cryptographic private keys and perform isolated signature and encryption operations without exposing confidential key material to general storage space; a communication subsystem that includes at least one of the following elements: a GSM / 4G module, a Wi-Fi 6 module and a GPS receiver, configured for secure network connectivity and geolocation binding of transactions; a touchscreen interface configured for displaying transaction forms, digital agreements, and interactive contract signing interfaces, the interface also including pen input for capturing digital handwritten signatures; and a secure audit trail subsystem configured to maintain a chronologically ordered, append-only log of all biometric access events, document hash generations, blockchain anchoring events, and smart contract lifecycle transitions, with the audit trail regularly hashed and anchored for forensic integrity in a decentralized blockchain network.

Disclosed are various approaches for managing payment variability by developing a schedule of monthly payments. An exemplary method of the present disclosure comprises predicting, using an eligibility data model, a level of volatility of spending for a user based on at least transaction data and transaction account balance data of the user during a previous year; predicting, using a balance prediction data model, a future spend behavior for the user during an upcoming period of time, wherein the upcoming period of time comprises a plurality of months; generating a monthly payment schedule for the user for the upcoming period of time based on the predicted future spend behavior of the user; and for each month of the upcoming period of the time, issuing a monthly payment statement to the user based on the generated monthly payment schedule. Other methods, systems, and computer-readable mediums are also presented.

In some examples, a payment processing system may receive, via an application executing on a user computing device, payment instrument information of a payment instrument of a user. The payment processing system may send, to the user computing device, information that causes the application on the user computing device to present a user interface including information for a virtual payment card and an amount of financing available to the user through the virtual payment card. Based on receiving an indication of a purchase from a merchant and use the virtual payment card to pay for the purchase with at least a portion of the financing, the payment processing system, may determine that the user has selected, via the application, repayment of the financing according to a payment schedule including a plurality of payments, and may charge the payment instrument of the user for at least one of the payments.

To provide a debt disposal device, debt disposal method and debt disposal program capable of compatibly achieving speedy acquisition of balance for each order received by debt recording for each business office and payment aggregated for each billed invoice.SOLUTION: A debt disposal device includes: order entry recording means for registering a slip number of cost information, a recording date, a payee, a cost item, and an amount of money in a storage area for each business office when an order entry is recorded; and debt determination means for extracting the cost information from the storage area using a designated payee as a key on a debt determination screen, inputting the billed invoice number of the extracted cost information to update the cost information, creating payment schedule data obtained by aggregating the amount for every billed invoice number, and registering the data in the storage area.SELECTED DRAWING: Figure 1

A method includes presenting, in a user interface for a user account with an online platform, a first display object comprising a payment progress indicator representative of a payment plan for paying a debt. The payment plan is a combination payment plan comprising at least two different payment schedules. The indicator comprises a first component representative of a first of the payment schedules and a second component representative of a second of the payment schedules. The first component is distinct from the second component. Responsive to determining that a payment has been received, the method comprises modifying at least a portion of the respective first or second components to indicate that the payment has been made.

The invention provides a payment system-oriented payment performance optimization method, system and device and a medium, and belongs to the technical field of computers. The method comprises the steps of advancing a security verification process in a payment system to be executed before payment scheduling through a rule engine and a BPMN-based process engine, intercepting an illegal request and dynamically selecting a payment path; distributing an independent thread pool for each bank by using a Java thread pool, obtaining a payment instruction, and distributing the payment instruction to the corresponding thread pool for parallel processing according to a bank code; a message queue architecture is adopted, a scheduling layer, a front layer and a bank docking layer of the payment system are decoupled through a multi-stage buffer process, and a timed task polling is utilized to process payment result write-back. Through security verification preposition, bank exclusive thread pool scheduling and multi-level message queue decoupling, the concurrent processing capability, the resource utilization rate and the stability of the payment system are remarkably improved, and meanwhile, the user experience is optimized.

To provide a billing amount by payment scheduled date calculation device, billing amount by payment scheduled date calculation method and billing amount by payment scheduled date calculation program which can calculate a billing amount by a payment scheduled date.SOLUTION: A billing amount by payment scheduled date calculation device: (1) acquires a collection scheduled date and a collection scheduled amount associated with a designated credit number from collection schedule data including the credit number, the collection scheduled date and the collection scheduled amount; (2) acquires a delay loss interest rate associated with the designated credit number from contract data including the credit number and the delay loss interest rate; (3) acquires multiple payment scheduled dates with the designated base date as the reference; and (4) calculates a billing amount by the payment scheduled date by using the acquired collection scheduled amount, the acquired delay loss interest rate and the number of delayed days being the number of days from the acquired collection scheduled date to the acquired payment scheduled date.SELECTED DRAWING: Figure 6

To support making work of a transfer request slip.SOLUTION: A payment schedule data generation unit generates payment schedule data which is the payment schedule data to a prescribed payment destination, and includes a payment schedule date which is a date at which the payment to the payment destination is hoped, and a payment amount. A determination unit refers to a storage unit in which information indicating business days or holidays of a bank for each date is stored, and performs determination processing of whether or not the date obtained by adding the number of payable days which is the number of the business days of the bank, required for demanded payment processing, to the date on which payment request to the payment destination has been performed, is the date after the payment schedule date of the payment schedule data. A payment data generation unit, when a determination result that the date obtained by adding the number of the business days of the bank is the date after the payment schedule date of the payment schedule data is obtained, generates payment data on a format capable of being handled in the bank, on the basis of the payment schedule data. A storage control unit stores the generated payment data in a storage unit.SELECTED DRAWING: Figure 1

To reduce the burden on staff in overseas settlement operations. [Solution] The calculation unit calculates the difference between the first total amount, which is the sum of each invoice amount in the home country, and the second total amount, which is the sum of each payment amount in the home country. The conversion processing unit converts the invoice amount and payment amount, each converted to the home country, into settlement currency invoice amount and settlement currency payment amount based on a predetermined conversion rate for the settlement currency, which is the type of currency used for settlement and has been set in advance with the settlement recipient. The offset confirmation processing unit calculates the offset difference, which is the difference between the total settlement currency invoice amount and the total settlement currency payment amount. Then, if the payment schedule data generation unit obtains an offset difference that indicates the total settlement currency invoice amount is larger than the total settlement currency payment amount, it generates payment schedule data including the offset difference and the home country currency conversion difference.

To reduce workloads related to a payment schedule change.SOLUTION: A display control unit displays a display screen including payment schedule information associated with a payment amount by payment date and payment amount breakdown. A reception unit accepts input by users. An update unit updates the payment amount and its breakdown corresponding to the payment date when the input for the payment schedule information is accepted based on the changed payment amount when accepting the input of the payment date subject to the change in the payment amount and of the changed payment amount which is the payment amount after the change corresponding to the payment date.SELECTED DRAWING: Figure 1

To quickly notify with a low work load when payment reservation of royalty payment occurs in a royalty distribution work.SOLUTION: A royalty management device is provided with a main distribution calculation processing means which calculates a distribution amount of a sales amount according to the distribution ratio of each distribution destination on the basis of sales data and a distribution setting table, creates calculation result confirmation data including a calculation statement NO, a sales number, a distribution destination, a distribution amount, and an original contract number, and creates payment schedule data including a payment number, a distribution destination, a calculation statement NO, a scheduled payment date, a payment amount, and a payment completion FLG indicating a payment completion or a payment incompletion on the basis of the calculation result confirmation data; a receipt application input means which applies a receipt application to the scheduled collection data when a scheduled collection amount is received; and a payment retention alert processing means which extracts a detailed statement of which the payment completion FLG is "incompletion" for the scheduled payment data before a reference date designated by an operator, and notifies an alert of payment retention.SELECTED DRAWING: Figure 2

To reduce operation errors by facilitating management when it is necessary to reserve royalty payment to a distribution destination in royalty distribution operation.SOLUTION: A royalty management device is provided with a main distribution calculation processing means which calculates a distribution amount of a sales amount in accordance with a distribution rate of each distribution destination on the basis of sales data and a distribution setting table, creates calculation result confirmation data including a calculation statement NO, a sales number, a distribution destination, a distribution amount, and an original contract number, and creates payment schedule data including a payment number, a distribution destination, a calculation statement NO, a scheduled payment date, a payment amount, and a deposit completion FLG indicating a deposit completion or a deposit incompletion on the basis of the calculation result confirmation data; a deposit application input means which applies a deposit application to the scheduled collection data when a scheduled collection amount is deposited; and a payment settlement input means which determines that a detailed statement of which the deposit completion FLG is "completion" can be paid to the payment schedule data.SELECTED DRAWING: Figure 2

The invention provides a collaborative payment method and device, electronic equipment and a storage medium, and relates to the technical field of digital RMB, and the method comprises the steps: constructing a contract platform based on digital RMB, which is provided with payment rules including supplier information, transaction terms, a payment time table and an interest rate; writing the contract ID, the trigger condition and the interest rate terms into an extension field of a digital RMB currency string to generate the digital RMB currency string bound with the payment rule, logistics data, order data pushed by an ERP system and transaction information recorded by a block chain are collected through an Internet of Things device, and a contract platform carries out multi-source heterogeneous data integration and real-time verification on the logistics data, the order data and the transaction information. And when the logistics signing data of the target contract, the order state update and the transaction opponent verification condition all meet the payment rule, fund transfer is triggered, and the actual execution amount is calculated based on the order amount and the interest rate terms to complete directional payment.

The system according to the embodiment aims to improve the efficiency of bill processing. [Solution] The system according to the embodiment comprises an acquisition unit, an extraction unit, an analysis unit, a registration unit, and a notification unit. The acquisition unit acquires image data of an invoice. The extraction unit converts the image data acquired by the acquisition unit into text data using AI-OCR. The analysis unit analyzes the text data extracted by the extraction unit using generation AI, and classifies and organizes the contents of the invoice. The registration unit registers the data classified and organized by the analysis unit in a database. The notification unit creates a payment schedule based on the data registered by the registration unit, and notifies the relevant departments.

To provide an asset management system, an asset management method, and an asset management program capable of performing journal entry at the time of occurrence of sales and payment at an owner side when an asset management company performs management of property owned by an owner.SOLUTION: An asset management system includes: billing input means for inputting billing schedule data including a billing destination, management items, a billing amount, and an accounting date about target property; payment input means for inputting payment schedule data including a payment destination, management items, a payment amount, and an accounting date about the target property; and correction data output means for outputting correction data including management items, an accounting date and an amount based on the billing schedule data and the payment schedule data. The owner side system captures the correction data as transfer settlement data and creates a correction journal based on the captured transfer adjustment data.SELECTED DRAWING: Figure 3

Computer-implemented systems and methods for facilitating litigation funding advances are disclosed. The systems and methods may include performing steps for: receiving claim information on a contentious batch of one or more claims through an electronic portal; surfacing the claim information to one or more potential funders via the electronic portal, wherein the claim information comprises a payment schedule in return for a funding advance by the one or more potential funders; receiving one or more user inputs from a first funder among the one or more potential funders to transfer the funding advance for a first batch of one or more claims corresponding to the claim information; and initiating a first secure transaction between the one or more potential funders and a legal counsel of the first batch of one or more claims.

The application provides a method for monitoring a purchase account, sets an account monitoring server to monitor a purchase account balance; if the purchase account balance increases, a financial display device pops up a dialog box to request a manager to fill in information of a specific category; if the purchase account balance decreases, a payment item is determined based on a single balance decrease and a target payee, and a payment item payment mark is modified from a non-payment mark to a payment mark in a payable payment schedule; each time the purchase account balance decreases, the payable payment schedule is inquired in real time to obtain a first total non-payment in the payable payment schedule; and after each time a payment process is completed, a payment date and settlement mode information are recorded. The application can save manpower, effectively remind an enterprise of a payable item situation, verify whether an enterprise payable item preparation is sufficient, and intelligently reduce an enterprise risk of multiple payments and repeated payments.

Manage payments based on customer redemption of benefits. [Solution] The second store terminal 200 generates bonus issuance information and transmits it to the management server 500, and the first store terminal 100 generates bonus usage information and transmits it to the management server 500. The management server 500 generates planned payment information based on the received bonus issuance information and bonus usage information and transmits it to the first store terminal 100. The first store terminal 100 receives the planned payment information, generates actual payment information and transmits it to the management server 500. The management server 500 transmits the received actual payment information to the second store terminal 200, and the second store terminal 200 receives the actual payment information.