946 results about "Payment system" patented technology

The invention relates to the technical field of intelligent payment, and discloses an aggregation payment system based on intelligent routing, and the system comprises an acquisition module which is configured to acquire multi-dimensional data; the payment channel management module is configured to access a payment channel and monitor the payment channel in real time; the intelligent routing decision module is configured to collect payment data, obtain a comprehensive score of a payment channel based on the payment data, generate a candidate channel based on the comprehensive score, determine transaction cost based on a three-dimensional rate state model, and trigger a fusing mechanism based on the transaction cost; the equipment compatibility module is configured to construct an equipment fingerprint, collect an equipment operation index, calculate a health degree score and trigger a grading response mechanism based on the health degree score; and the profit sharing optimization module is configured to perform automatic account sharing based on the intelligent contract and verify the routing strategy based on gray level distribution. The dynamic adaptability is improved.

Systems, methods and computer-readable storage media utilized to complete a cardless transaction on a distributed ledger network. One method includes receiving, by a point-of-sale (POS) computing device, a transaction request including a biometric sample from an individual associated with a payment account at a financial institution. The method further includes authenticating, by the POS computing device, the biometric sample by cross-referencing the biometric sample with a biometric dataset stored on the distributed ledger network. The method further includes, in response to authenticating the biometric sample, generating, by the POS computing device, a cryptogram associated with the biometric sample and processing, by the POS computing device, the transaction request utilizing the cryptogram.

To provide a game machine settlement system capable of acquiring new customers using deferred settlement means, while preventing cashing by the deferred settlement means.SOLUTION: A game machine settlement system includes: a deposit request information acquisition part for acquiring deposit request information including a deposit request and a deposit amount by deferred settlement means; a settlement means information acquisition part, when the deposit request information acquisition part acquires the deposit request information, acquiring settlement means information required for settlement by the deferred settlement means; a settlement processing part for executing the settlement based on the settlement means information acquired by the settlement means information acquisition part and the deposit request information acquired by the deposit request information acquisition part; and a game medium lending part, when the settlement executed by the settlement processing part has been completed, lending game media corresponding to the deposit amount.SELECTED DRAWING: Figure 1

To reliably complete settlement using a balance of settlement means.SOLUTION: A determination unit (102) of a settlement system (1) determines the amount of balance to be used in settlement where a balance of settlement means is used. An execution unit (103) makes the settlement on the basis of the use amount. When the balance is used for another settlement during a period from when the use amount is determined until the settlement is made, and the balance is insufficient at the time of making the settlement, the determination unit (102) determines the use amount again. The execution unit (103) makes the settlement on the basis of the determined the use amount again.SELECTED DRAWING: Figure 4

A computer-implemented method of secure quantum safe (QS) payments using a quantum cloud payment platform, the method, performed by the quantum cloud payment platform, comprising: receiving one or more quantum safe deposit payment transactions from one or more endpoint devices of one or more registered users, each QS deposit payment transaction of a user comprising data representative of a deposit fiat cash value; transferring each of the deposit fiat cash values from a bank account associated with a user and linked to the QS payment account of the user to a quantum cloud account for pooling each of the deposit fiat cash values; for each deposit fiat cash value transferred in relation to a user of an endpoint device, performing: converting said each deposit fiat cash value to a corresponding number of quantum money tokens; linking said number of quantum money tokens to the QS payment account of the user; and sending said number of quantum money tokens to the endpoint device of the user for updating an electronic wallet of said user.

The invention relates to a multi-channel data cross validation payment method, system and device and a medium, and the method comprises the steps: carrying out the analysis and reading of multi-channel payment data, and obtaining payment system data, user data, transaction data and payment scene information; performing identity pre-verification analysis on the user data to obtain corresponding identity verification data, and performing multi-factor authentication analysis on the user data based on the payment scene information to obtain multi-factor authentication data; performing association analysis on the payment system data according to the multi-factor authentication data to obtain corresponding verification payment system data; performing risk assessment analysis on the payment system data to obtain corresponding comprehensive risk data, and performing cross validation analysis on the comprehensive risk data based on the verification payment system data to obtain corresponding cross validation data; and comprehensively analyzing all the initial security policies to obtain a dynamic security policy. According to the invention, dynamic adjustment can be carried out according to the change of the real-time payment environment.

The invention relates to the technical field of payment system flow control, and particularly discloses a token bucket and leaky bucket combined flow limiting method and system for a payment system, and the method comprises the steps: S1, obtaining an index of the payment system, and calculating a health score; s2, judging the load state of the payment system according to the health score, and adjusting the token generation rate and the token bucket capacity; the token generation rate and the adjusting step length of the token bucket capacity are adjusted according to the response condition of the payment system after multiple times of adjustment; s3, receiving a service request, and judging whether the service request passes or is rejected according to the number of the available tokens; and S4, reading and processing the passed service request according to a leaky bucket algorithm. By dynamically adjusting the token generation speed, the hierarchical token bucket design and the leaky bucket smooth output mechanism, the stability of the system and the user experience are improved.

The invention discloses a non-inductive payment system and method based on adaptive multi-modal fusion and behavior prediction, and the system comprises a non-inductive payment system, a user module, and a non-inductive payment machine body, and the non-inductive payment system is installed in the non-inductive payment machine body. The non-inductive payment system comprises a user module, an edge computing module, a cloud computing module, a block chain network module and an inter-module communication module, a biological feature collection device and an environment feature collection device are arranged in the user module, the self-adaptive multi-modal fusion algorithm is different from a fixed weight method, the weight is dynamically adjusted, and the recognition accuracy is improved; a behavior prediction model of reinforcement learning predicts customer behaviors in real time, and shopping experience is improved; the edge of the distributed transaction processing mechanism is coordinated with the cloud, the efficiency is improved, and high concurrency is adapted; and data security policy homomorphic encryption is combined with the block chain, so that data security is ensured, and laws and regulations are met.

Aspects of the present disclosure describe a system comprising a processor and memory storing instructions, which when executed by the processor, enable the system to detect a payment-related event using vehicle sensors, such as a camera or GPS unit. The detection can involve a machine learning model trained to recognize objects associated with the payment-related event while minimizing false positives. Upon detecting the event, the system can handle the electronic payment by utilizing an in-vehicle digital wallet to execute the payment and recording the transaction on a blockchain-based ledger.

A blockchain-based intellectual property (“IP”) asset fractional payment system and method that facilitates sharing a revenue stream generated from an intellectual property asset among individuals having a fractional ownership of the revenue stream generated. A fractional ownership platform is employed where each fraction purchased may subsequently be divided into fractions of fractions, and those fractions can be sold or transferred without limitation. Both the IP asset created, and each fractional ownership share of a revenue stream generated therefrom may digitally represented using an NFT such that a smart contract on a blockchain may be employed to enable and facilitate fractional ownership tracking among the IP asset's owner and any number of third parties holding fractional ownership of the IP asset's associated revenue stream and payment distribution to the IP asset owner and all fractional owners.

The invention discloses an automatic medicine vending machine based on AI inquiry. The automatic medicine vending machine comprises a machine body, an intelligent interaction system, an AI inquiry system, a medicine storage bin, a control system, a payment system and a printing device. A constant-temperature and constant-humidity system and a disinfection and air purification module are arranged in the machine body. The intelligent interaction system collects symptom information in a multi-mode mode, and the AI inquiry system achieves symptom analysis, intelligent triage and personalized medication recommendation based on a medical knowledge graph and a natural language processing technology. The medicine storage bin carries a three-dimensional matrix type medicine cabinet and an intelligent inventory system, and intelligent replenishment is carried out through an LSTM algorithm. And the control system adopts a controller and triple verification to realize high-precision medicine discharging operation. The payment system supports multiple settlement modes and block chain evidence storage data. And the printing device outputs the medication guide sheet and the anti-counterfeit label. According to the invention, AI and automation technologies are deeply integrated, the service of less than or equal to 3 minutes in the whole process of inquiry-payment-medicine dispensing is realized, and the safety and convenience of medicine use are improved.

Systems and methods method include establishing, a connection between the first computing system and an application of a second computing system, the connection associated with an entity having one or more first accounts with the first computing system and a second account with the application of the second computing system, receiving a dataset corresponding to the second account, the dataset comprising a plurality of data entries corresponding to respective invoices, retrieving account data corresponding to the one or more first accounts with the first computing system, applying, the dataset and the account data as inputs to a machine learning model trained to generate optimized orders, and generating, by the one or more processors, a first user interface including data of a list of the plurality of entries, the plurality of entries being ordered according to the optimized order for the dataset.

The disclosure is directed to various ways of improving the functioning of computer systems, information networks, data stores, search engine systems and methods, and other advantages. Among other things, provided herein are methods, systems, components, processes, modules, blocks, circuits, sub-systems, articles, and other elements (collectively referred to in some cases as the “platform” or the “system”) that collectively enable, in one or more datastores (e.g., where each datastore may include one or more databases) and systems. A system and method for providing payment-related services that may utilize checkout parameters, a link generation service, a payment processing service, and a post-payment service. The link generation service may serve a checkout page using a set of the checkout parameters. The payment processing service may receive a transaction notification indicating whether a payment was successful or unsuccessful. The post-payment service may initiate a post-transaction workflow corresponding to an outcome indicated by the transaction notification.

A hardware wallet can enable management of digital assets. The hardware wallet includes a microcontroller and a non-volatile flash memory. The hardware wallet can authorize an electronic device to perform electronic payments with digital assets on a blockchain associated with keys of a digital wallet stored on the non-volatile flash memory. The electronic device is authorized to perform electronic payments in response to user input and while the electronic device hosts the hardware wallet. The hardware wallet can also enable a payment card to perform electronic payments with the digital assets while the hardware wallet is disposed on the payment card. As such, electronic payments are authorized based on a communication exchange between the hardware wallet and a remote server of a payment system via a point-of-sale (POS) system that accepts the payment card.

There is a system for admitting automobiles to a venue comprising: at least one camera for recognizing an automobile, and a license plate. A server is configured for receiving a picture of the automobile and a picture of the license plate of the automobile. Furthermore, there is at least one database for storing, matching and identifying the picture of the automobile and the license plate. In addition, there is at least one screen for allowing a user to identify their automobile taken from a list of automobiles. There is also a process for tracking an automobile within an area which comprises the steps of identifying a pre-defined area and identifying an automobile for screening into the area. Next the auto and its license plate are photographed. This information is stored in a database and then used to generate invoices and track the location of these automobiles. Customer can access the database, enter the license plate of his vehicle, the database recognizes his vehicle, the customer makes payment for his vehicle, and the app places the customer information onto the PAID category list on the database.

The invention discloses a test method, device and system for a payment system. The method comprises the following steps: receiving a test request of a test end; according to the content of the test request, the test request is sent to a central bank payment system or a simulation payment system, the central bank payment system is a payment system which carries out business processing according to a specified specification, the simulation payment system is a simulation system corresponding to the central bank payment system, and the simulation payment system is not limited by the specified specification; and the response result of the central bank payment system or the simulation payment system is sent to the test end, and the test end completes the test according to the response result. Therefore, by adding the agent layer and combining the central bank payment system with the simulation payment system corresponding to the central bank payment system, when the test end sends the test request, the agent layer can flexibly send the test request to the central bank payment system or the simulation payment system according to the content of the test request; therefore, automatic testing can be carried out autonomously and controllably, and the testing efficiency is improved.

The invention discloses a data security detection method and system in a payment environment, and relates to the technical field of payment security detection, and the method comprises the steps: constructing a payment behavior graph network according to obtained multi-modal data; analyzing and identifying a high-density sub-graph and an associated group structure in the graph network, and identifying a circulation path in the associated group structure; time sequence features are extracted according to the circulation path, and periodicity and cluster features of the circulation path are clustered and identified and set as path features; constructing a circular payment scoring model based on the detected circular path and time sequence features; and receiving new transaction data in real time, obtaining a circular payment score according to the circular payment scoring model, and performing payment data security judgment. According to the method, the payment behavior graph network is constructed, the circulation path is identified, and clustering analysis is performed in combination with the time sequence features, so that accurate real-time monitoring and risk judgment of the payment data are realized, and the security, the detection accuracy and the response efficiency of the payment system are improved.

The embodiment of the invention discloses a payment system based on a large model, when an intelligent agent interacts with a user through a preset LLM, if the intelligent agent recognizes that the user has a purchase intention for a target commodity, a first order placing instruction for the target commodity is sent to a merchant system, and the merchant system sends an order placing instruction for the target commodity according to a to-be-paid amount corresponding to the target commodity. A second order placing instruction is sent to the payment server side, the payment server side generates a payment order and returns an order identifier to the intelligent agent, and the intelligent agent sends a user authorization identifier of the user to the payment server side, so that the payment server side pays the payment order according to the user authorization identifier. Through the payment system, a user can directly chat with the LLM, place an order for shopping by using the intelligent agent, and also pay for the shopping through the intelligent agent without frequently switching and starting an e-commerce client corresponding to a merchant system and a payment client corresponding to a payment server; and the operation required by online shopping and payment of the user is greatly simplified.

The embodiment of the invention discloses a payment system, which is characterized in that a non-accepting device receives commodity information of a to-be-settled commodity and a first collection amount sent by a merchant collection device on one hand, acquires a payment identifier of a payment user on the basis of non-contact communication with a user terminal on the other hand, and sends the payment information to the payment user on the basis of the payment identifier and the first collection amount; and settlement information associated with the commodity information of the to-be-settled commodity is generated and sent to a settlement system, and the settlement system determines a second collection amount according to a marketing rule corresponding to the commodity information and the first collection amount, and performs settlement payment according to the second collection amount and the payment identifier. Through the payment system, only the marketing rules need to be pre-configured in the settlement system, and the payment staff and the payment user do not need to carry out any additional operation, so that settlement payment can be carried out for the payment user by using the pre-configured marketing rules in the payment process of the payment user; the convenience of commercial tenants and users participating in marketing activities in an offline retail scene is effectively improved.

To provide an application program or the like capable of combining points issued to a user with electronic money usable in electronic settlement to pay the bill on a credit card, thereby improving convenience for the user. [Solution] An application program that causes a terminal device capable of communicating via a network with a credit card company server managed by a credit card company to display the credit card billing amount on a display unit of the terminal device, obtain the amount of electronic money that can be used for electronic payment to apply to the billing amount, obtain the number of points awarded to the user in connection with the user's purchase of a product to apply to the billing amount, and send an application instruction to the credit card company server instructing the amount of electronic money and the number of points to be combined and applied to the billing amount.

The disclosure is directed to various ways of improving the functioning of computer systems, information networks, data stores, search engine systems and methods, and other advantages. Among other things, provided herein are methods, systems, components, processes, modules, blocks, circuits, sub-systems, articles, and other elements (collectively referred to in some cases as the “platform” or the “system”) that collectively enable, in one or more datastores (e.g., where each datastore may include one or more databases) and systems. A system and method for providing payment-related services that may utilize checkout parameters, a link generation service, a payment processing service, and a post-payment service. The link generation service may serve a checkout page using a set of the checkout parameters. The payment processing service may receive a transaction notification indicating whether a payment was successful or unsuccessful. The post-payment service may initiate a post-transaction workflow corresponding to an outcome indicated by the transaction notification.

Method and systems for shopping in a retail store. The methods and systems include using information monitoring devices to identify a person at a retail store, using the information monitoring devices to gather shopping information of the person at the retail store (including traffic information, product interaction information, and object identification information of the person), analyzing by the system the gathered shopping information to generate and maintain a list of the products that the person retained while shopping, using the information monitoring devices to track the first person to a point-of-sale area of the retail store, in response to the person being tracked to the point-of sale area, interfacing the system with a payment system for payment by the person of the list of the products, and transmitting a receipt to the person after payment.

To determine whether a settlement facility is a prohibited facility.SOLUTION: A settlement facility information acquisition part (101) of a settlement system (1) acquires settlement facility information on a settlement facility where settlement using a user terminal (20) is carried out. A specification part (103) specifies payment source settlement means set as a payment source for settlement. A facility determination part (104) determines whether the payment settlement facility is a prohibited facility, in which the use of payment source settlement means is prohibited, according to the settlement facility information. A processing execution part (105) executes a specified processing when the settlement facility is determined to be a prohibited facility by the facility determination part.SELECTED DRAWING: Figure 3

The invention relates to the technical field of payment security, and particularly discloses a security payment system and method based on biological recognition. The method is characterized by comprising the following steps: synchronously acquiring fingerprint, finger vein and pressure behavior characteristics through a coaxial integrated sensor; a dynamic encryption engine is adopted to bind the biological characteristics with the transaction parameters to generate a one-time payment token; living body verification is realized based on physiological synchronism of vein pulsation and pressure fluctuation; and establishing a user pressing behavior baseline model to identify abnormal operation. The terminal equipment is provided with a sapphire microlens array and a dynamic pressure-sensitive array. The problems of biological feature forgery, replay attack and living body cheating are solved, the forgery detection rate reaches 99.6%, and the false identification rate is smaller than or equal to 0.0001%.

Conventional cryptocurrency payment systems are cumbersome due to the need for exchange with fiat currency, collaboration with institutions that provide asset exchange functions, and tax procedures, and transaction delays and high costs have been barriers to their widespread adoption. Another issue is the lack of an integrated payment system that can handle a variety of digital assets, such as NFTs and tokens. [Solution] This invention provides a system that integrates institutional collaboration and tax processing, providing settlement and asset exchange functions, and realizes real-time selection of optimal exchange rates, high-speed transaction processing, and automatic generation of tax data. Furthermore, it solves existing problems as an integrated platform that supports crypto assets, fiat currencies, and digital assets.

The invention discloses an order information customs declaration method and system oriented to cross-border trade, and relates to the technical field of customs declaration. During operation of the system, order information is collected in an e-commerce platform logistics company and a payment system, related data of the quality, efficiency and compliance of an order are acquired, and cleaning, verification and formatting are performed; after calculation, obtaining a cross-border declaration index Kjsb, checking whether a commodity code and a tax number meet customs declaration requirements or not, automatically complementing missing information, automatically matching the tax number with the commodity code, converting the preprocessed and verified order data into a data format meeting the declaration requirements according to customs declaration specifications, and sending the data to a server; and submitting the generated customs declaration data to a customs system through an API or an EDI interface, obtaining feedback, comparing a cross-border declaration index Kjsb with a preset threshold M, obtaining an abnormality assessment scheme, processing an abnormal condition, and notifying related personnel to intervene or automatically declarate again.

The invention discloses a post-payment guarantee method and a payment system with funds and trust as targets, and aims to provide real-time credit assessment and risk control for users in a post-payment financial system. The method comprises the following steps: firstly, constructing a post-payment financial system, collecting multi-source historical transaction data of a user, and constructing a user portrait through data analysis; thirdly, performing preliminary credit evaluation according to the user portrait, determining post-payment permission and formulating a fund bottom-out strategy; then, monitoring user transaction data in real time by using a deep learning algorithm, predicting a default probability, and dynamically adjusting fund bottom-out strategy parameters; and finally, optimizing the fund bottom-out strategy based on the default risk coverage degree to form a dynamically adjusted fund bottom-out optimization strategy. The method effectively improves the transaction security, reduces the default risk, improves the user trust, is suitable for a plurality of scenes such as finance and e-commerce, and has a wide application prospect.

The invention discloses an intelligent shopping cart self-service payment system based on multi-sensor fusion and an implementation method thereof, and the system comprises a self-service payment system which comprises a commodity recognition module, a data processing module, a settlement and payment module, a safety management module, a user interaction module, and a communication and network module. According to the invention, through integration of the RFID reader, the high-definition camera, the weight sensor and the ultrasonic sensor, high-precision identification of commodities in the shopping cart is realized by adopting a multi-modal data fusion algorithm, the system supports multiple payment modes, and the shopping cart is convenient to use. The block chain technology and the multi-layer encryption algorithm are utilized to guarantee the security of the payment process, the response speed and the data processing capability of the system are improved through the combination of edge computing and cloud computing, and the system improves the shopping experience, is suitable for various retail scenes, and has a wide application prospect.

The invention relates to a reconciliation and fund management method and device, a reconciliation server and a reconciliation system. The method comprises the steps that business data is acquired from a data source system, the data source system comprises a financial system, an order system, a payment system and a third-party payment system, and the business data comprises order data and bill data; cleaning, converting and normalizing the order data and the bill data; automatically identifying abnormal conditions in the processed order data and bill data based on a preset rule and a difference identification algorithm, generating a difference report and an account checking result report, and automatically marking the abnormal conditions; and according to the difference report and the reconciliation result report, generating and outputting a reconciliation result. According to the method and the system, millions of data volumes can be efficiently processed, differential orders can be accurately identified and processed, a standardized account checking result is output, and a powerful guarantee is provided for fund safety and business operation.

Systems and methods for proactive and automated pre-transaction verification and authentication of electronic transfers are described. In various examples, transaction details associated with an electronic transfer (e.g., a wire transfer, an Automated Clearing House (ACH) transfer, a peer-to-peer (P2P) transfer, or a cryptocurrency transfer) are verified and the recipient is authenticated by a transaction verification service associated with an electronic transfer service provider (e.g., a financial institution, a peer-to-peer (P2P) payment system, or a custodial wallet provider) prior to permitting the electronic transfer to proceed. In this manner, electronic transfers are secured against electronic transfer fraud and / or mistaken fund or asset transfers, for example, to an incorrect account (or an incorrect cryptocurrency wallet) by the electronic transfer service provider.