409 results about "Payment system" patented technology

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.

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.

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%.

Provided are a system and method for generating and transmitting tokenized payment information. In one example, the method includes transmitting a request for payment information to a payment network, receiving tokenized payment information of a payment account from the payment network, and transmitting the tokenized payment information to a merchant. According to various exemplary embodiments, the tokenized payment information may include a tokenized account number representing an account number of the payment account and a tokenized credential representing an additional credential of the payment account.

Methods for an electronic token-based payment system includes providing a deferred-payment service by a network-accessible deferred-payment server that performs the steps of processing authorization of digital content purchases for a user account without requiring payment at time of purchase, monitoring a total outstanding purchase balance associated with the user account, and transmitting a settlement request signal to a computer server associated with the financial institution having a credit card account associated with the user for settlement of at least a part of the total outstanding purchase balance when the total outstanding balance exceeds at least one of a predetermined threshold amount and / or accrued over a time that exceeds a predetermined time interval. The transmitted settlement request signal includes information indicative of the total outstanding purchase balance owed, and the electronic token associated with the user of the user account. The electronic token being obtained from a user information database containing electronic tokens associated with corresponding respective user accounts, each token being unique with respect to both a user account of the deferred-payment service for a user, and with respect to a credit card account issued by the financial institution for such user. The token including encrypted information of a characteristic of a user who is associated with the user account, in absence of any information of the user account identification or the credit card account identification, wherein the deferred-payment service has not been provided with, nor has access to, the credit card account identification.

The invention discloses a shared charging pile authorization payment system and an implementation method, and belongs to the technical field of shared charging piles, and the system comprises a plurality of user terminals, a cloud management platform, a charging pile control terminal and a plurality of shared charging piles. The user side receives an operation request of a user; the cloud management platform generates a cloud instruction based on the operation request; the charging pile control end controls the shared charging pile according to the cloud instruction; the shared charging pile comprises a temperature detection module, an electric energy metering module and an MCU. The temperature detection module detects the temperature of a data processing chip of the shared charging pile or the temperature of the internal environment of the shared charging pile; the electric energy metering module collects state parameters of the shared charging pile, and a metering chip in the electric energy metering module sends the state parameters to the MCU. Each charging process is metered through the metering chip, the utilization rate of the charging pile is improved, the installation number and installation cost of private charging piles and the number of erected wires are reduced, and the probability of safety fire protection risks is reduced.

Approaches disclosed herein provide digital payment processing that integrates cryptocurrency transactions with traditional banking systems through the use of, for example, blockchain technology in a streamlined digital payment process. As an example, a digital payment processing system may integrate cryptocurrency with exchanges and banking systems via APIs. Such integration allows for the determination and use of real-time exchange rates, as well as almost immediate transfer of funds between cryptocurrency and fiat (traditional) or other such currency. By automating the exchange process and connecting directly to financial institutions for instant fiat settlement, such approaches can effectively avoid the usual delays of blockchain (or other distributed ledger-based) confirmations. Such a system may also utilize other technologies for facilitating a faster transaction process, such as off-chain solutions or layer-2 scaling solutions.

The invention relates to the technical field of payment systems, in particular to a multi-level cache-based payment data disaster tolerance processing method and system, after a payment request is received and verified, data is synchronously written into a memory queue and a disk log by a log pre-writing mechanism, and then the data is asynchronously pushed to a Redis distributed cache cluster for backup; when a program is abnormal or a service is interrupted, preferentially recovering data from the Redis cache, and supplementing data missing from a disk log; after the fault is recovered, unpersistent data are synchronized to the database in batches, and the consistency of the fund flow water meter and the user balance meter is ensured through atomization operation; the reliability of payment data is improved through collaborative backup of multi-level caches, and the risk of data loss caused by dependence of a single cache is solved; and by virtue of a recovery mechanism of cache priority and log supplement, the fault recovery time is shortened, and the influence of transaction interruption is reduced.

A system for managing benefits payment having an input port receiving benefits plan information corresponding to benefits recipients, an identification of a benefits plan having a benefits plan cycle and a benefits plan cost, and receiving a payroll including, for each benefit recipient, at least one deduction slot indicating a deduction amount, a computer including a processor executing a cost calculation module determining an expected deduction amount for each benefit plan based on the benefits plan cycle and benefits plan cost, a mapping module mapping at least one deduction slot and at least a portion of the deduction amount to at least one benefits plan to determine an actual deduction amount per benefits plan, and a discrepancy module identifying discrepancies by comparing each actual deduction amount per benefits plan with the expected deduction amount for each benefits plan, and an output port sending the identified discrepancies to a user device.

The embodiment of the invention provides a payment system, method, device and equipment, a medium and a product. The payment system can comprise a master device and a slave device. One master device is in communication connection with a plurality of slave devices; the main equipment is provided with a network module and can obtain first payment link information provided by a server; the first payment link information is information used for triggering a payment processing flow; the slave equipment is provided with a first communication connection module which can be in communication connection with the master equipment and is used for acquiring the first payment link information from the master equipment; and the slave device is provided with a first near field communication module which is used for providing the first payment link information to a first user terminal in a near field communication mode so as to trigger and execute a payment processing flow aiming at the first user terminal.

The advertising payment system and method includes an interactive website or mobile application having an interface allowing for sellers to create advertising images overlaid with visual codes and a blockchain protocol associated with the interactive webpage or mobile application. The blockchain protocol creates advertising tokens to represent the value that the seller assigns to the sharing of the advertising image. Once a client advertiser scans the visual code and chooses to further share the advertising image, the client advertiser receives the advertising tokens in a virtual wallet. The advertising payment system and method utilizes blockchain technology to incentivize and pay client advertisers, thereby allowing sellers to avoid engaging in the traditional bidding process by facilitating direct communication between sellers and client advertisers.

A drive-thru system is provided on golf courses and / or communities where riders of golf carts or similar vehicles can drive into and through a structure including food, beverages and / or merchandise for purchase. The system comprises a structure such as a shack with a drive-thru lane. The structure may include shelves, refrigerated coolers, vending machines, service counters and / or automated delivery systems on one or both sides of the drive-thru lane. Golfers can drive into the structure in their golf cart, and select items manually or through digital interfaces and automated systems. Safety features prevent cart collisions, while automated ordering and payment systems streamline transactions.

A method for performing a split payment in the payment system includes generating split payment information for splitting a single payment amount with one or more other electronic devices to make a payment, transmitting the split payment information to a payment service server for providing a payment service, receiving a payment request, checking whether the received payment request is a split payment request, when the received payment request is the split payment request, checking whether the split payment is possible, and if the split payment is possible, performing the split payment based on the split payment information, and when the split payment is completed, respectively transmitting a notification about completion of the split payment to the electronic device and one or more other electronic devices.

To improve convenience for users. [Solution] An application program that operates on a store terminal device, which causes a computer to perform the following processes: a process to display an interface screen for accepting payment amounts on the display unit of the store terminal device; a process to generate target information including the payment amount and identification information for identifying the store when a payment amount is entered on the interface screen; a process to transmit the target information to a payment server; a process to obtain identification information for identifying the target information from the payment server; and a process to provide the identification information to the user terminal device via short-range wireless communication when the user terminal device is brought close to the store terminal device.

This invention relates to the field of disaster recovery technology for payment systems, providing a disaster recovery method and system for a third-party payment system. The disaster recovery method includes: predicting the future load of distributed database nodes using a time-series prediction model and dynamically adjusting resource allocation; constructing a distributed database resource occupancy vector based on the resource parameters of the distributed database; calculating the anomaly score at each time step using an isolation tree; identifying abnormal nodes based on the anomaly score and a dynamic threshold, and reallocating resources to the abnormal nodes; and isolating a node if its anomaly score exceeds the dynamic threshold multiple times, thus ensuring the stable operation of the database. This invention enhances the system's high availability and disaster recovery capabilities by combining a distributed database and a microservice architecture. The time-series prediction model ensures the reliable operation of the microservice architecture, and the Isolation Forest algorithm promptly isolates abnormal nodes to maintain system stability.

The application provides a virtual resource processing method, a first client, equipment and a storage medium. The method comprises the following steps: in the first client logged in based on a member account of an organization, in response to an operation on a preset resource receiving interface on a group chat interface, obtaining corresponding organization account information of the organization in a third-party payment system, and entering a virtual resource receiving interface; determining a target account in member group information of the organization through an organization entry on the virtual resource receiving interface; in response to a creation operation of a virtual resource receiving item, generating the virtual resource receiving item based on the target account and the organization account information; and in response to a virtual resource collection operation, sending a mini-program message carrying the virtual resource receiving item to the group chat interface. Through the application, the security and efficiency of virtual resource processing can be improved simultaneously.

Systems and methods of a smart transaction system with IoT integration for purchase requests by way of a cohesive interface integrating IoT systems, navigation systems, and virtual payment systems are disclosed. Initiation of a navigation route for a navigation device associated with a user of a household is detected. An IoT device-managed shopping list shared with one or more user devices associated with the household is accessed. A nearby merchant which sells items from the shopping list is identified. A route deviation score for the merchant location is determined based on the navigation route. If the route deviation score does not meet or exceed a predetermined deviation threshold associated with the navigation device, the shopping list and navigation instructions to the merchant location as an intermediary stop on the route are transmitted to the navigation device.

The invention provides a curative effect driving type medical performance and payment system oriented to active medical treatment. Active medical economics and DIKWP (data / information / knowledge / wisdom / intention) five-layer semantic modeling are fused. The system semantically converts diagnosis and treatment behaviors into a semantic bill, constructs a target chain by taking a patient purpose as a core, continuously tracks causal contribution of each content unit to a curative effect, and quantifies a doctor service value by a semantic value increment; therefore, payment according to effects and remuneration according to effects are realized through a fair payment engine, medical insurance and an intelligent contract are compatible, and automatic settlement and dispute arbitration are realized. The system can be used for internet hospitals, chronic disease management and medical insurance payment reform, the medical quality, transparency and fund efficiency are improved, and supervision and policy optimization are supported.

Systems and methods for P2P transaction functionality include payment collection from a third party source. A system includes at least one processor and a storage medium storing instructions that, when executed by the one or more processors, cause the at least one processor to perform operations including receiving transaction information from a vendor where a card was used and analyzing the transaction information. The operations also include sending one or more requests for repayment to one or more P2P service systems, receiving repayment information, regarding one or more repayments, from the one or more P2P service systems and, based on the repayment information, applying the one or more repayments to the transaction performed on the card.

The aim is to improve convenience in payment systems. [Solution] The second payment information acquisition unit 101 of the service provider server 1 acquires the second payment information. The value conversion unit 102 performs a process to convert the second value indicated by the second value information into the first value. The third payment information provision unit 103 provides the first payment information, the first value information indicating the use of the first value converted by the value conversion means, and customer information to the QR code (registered trademark) payer server 5 as third payment information. The third payment information acquisition unit 501 of the QR code payer server 5 acquires the third payment information. The payment processing execution unit 502 settles the customer for a predetermined price of goods, etc., using the first value, based on the third payment information.

This invention discloses an intelligent self-service recharge system and its security optimization method, belonging to the field of communication technology. It includes a main application server, an event bus cluster, a NAS storage device, an API gateway, a payment gateway server, an anomaly detection server, a LAN switch, a self-service terminal, a card reader, a firewall gateway, and an external payment system interface. It solves the technical problems of providing modular services, improving system flexibility and scalability, enhancing data security, and optimizing event handling mechanisms. It is easy to expand and maintain, improves data interaction efficiency, has efficient event handling, enhanced data security, an intelligent recommendation engine, and an innovative user experience. It seamlessly integrates identity verification, payment, photo upload, and feedback processes, significantly improving system usability. It also introduces a social recommendation mechanism to enhance employee interaction and consumption experience.

A system for a vehicle includes a wireless transceiver configured to communicate with a mobile device via a wireless connection encrypted using a digital key, wherein the digital key allows the mobile device to access a driving function of a vehicle; and one or more controllers programmed to responsive to a user input indicative of an intent to make a purchase by a user of the vehicle, transmit a request to the mobile device to launch a payment for the purchase via the wireless connection, perform an authentication by interacting with the user to authorize the payment, and responsive to the authentication, instruct the mobile device to proceed with the payment via the wireless connection.

The invention provides a see-through, portable vending machine made of wood, featuring individual lockable compartments and a QR code-based payment system. Each compartment has a unique lock code, delivered to the client upon successful payment, either automatically or manually by the machine owner. The power supply is optional, enhancing the machine's versatility for various settings. This design combines aesthetic appeal with modern payment convenience, making it suitable for refined and temporary retail settings.

Various systems and methods of anonymously conducting a secured payment transaction between a consumer and a merchant are disclosed. The methods can be carried out at a transaction code computer in communication with an alias directory. According to the method a transaction code computer receives a request for a dynamic transaction code from a merchant computer. The request includes a merchant alias identifier. The transaction code computer queries an alias directory storing merchant information details. The transaction code computer validates the merchant with the alias directory based on the merchant alias identifier. The transaction code computer generates the dynamic transaction code and transmits a response to the request for the dynamic transaction code to the merchant computer.

The invention relates to a payment result message sending method and device, electronic equipment, a medium and a product. The method specifically comprises the steps that a failed payment result message is sent to a merchant side, and the payment result message is used for notifying the merchant side of whether payment succeeds or not at a user side; according to the merchant type identification in the payment result message, the importance degree of the payment result message is determined, a retransmission strategy is determined according to the importance degree of the payment result message, the payment result message is stored in a target merchant table in a database based on the retransmission strategy, and different merchant type identifications correspond to different target merchant tables. And the payment result message is retransmitted to the merchant terminal from the target merchant table, and if the payment result message is successfully transmitted, the corresponding payment result message in the target merchant table is deleted. According to the scheme provided by the invention, different retransmission strategies can be formulated according to different merchants, the notification efficiency of the payment system is improved, and the probability that the payment system is blocked is reduced.

The embodiment of the invention discloses a medical insurance payment system, which is characterized in that non-accepting equipment responds to non-contact communication with a user terminal, acquires a medical insurance electronic certificate of a user from a medical insurance system, and sends the medical insurance electronic certificate to a medical service system; and the medical service system queries the medical service executed by the user and the corresponding amount to be paid according to the medical insurance electronic certificate, and performs settlement payment by adopting the medical insurance account of the user through the medical insurance system. Through the above system, the user only needs to use the user terminal of the user to carry out one-time non-contact communication with the non-accepting equipment, the medical service system and the medical insurance system can cooperate with each other, and based on the medical insurance electronic certificate of the user, the medical insurance account of the user is adopted to carry out settlement payment on the medical service executed by the user at this time. And the efficiency and convenience of medical insurance payment can be effectively improved.

To sell an age-restricted commodity also with a device (self-checkout machine) operated by a customer himself / herself.SOLUTION: An adjustment system enables a customer to perform adjustment processing by himself / herself and includes: an image pickup unit that picks up an image of the customer to generate a face image of the customer; an adjustment unit that performs adjustment processing for a commodity; a commodity registration unit that when an instruction for starting the adjustment processing is input after registration of at least one commodity made by the customer is accepted, determines whether or not an age-restricted commodity is included in the registered commodity; and a determination unit that in a case where it is determined that the age-restricted commodity is included, determines whether or not the age of the customer satisfies an age condition based on the face image. In a case where it is determined that the age-restricted commodity is not included, the adjustment unit performs the adjustment processing for the commodity registered by the commodity registration unit without the determination processing performed by the determination unit.SELECTED DRAWING: Figure 2

A system is provided.SOLUTION: A system comprising: a household account book recording unit that cooperates with a specific electronic payment system and automatically records payment information using the electronic payment system; a database unit that stores payment information and manually input expenditure information; a search unit that searches for a purchase history in units of products and presents a result of the search; a proposal unit that provides a profitable coupon and store information based on the purchase history; and a unit that automatically transfers surplus money to asset management based on setting of expenditure.SELECTED DRAWING: Figure 1

To provide a technique capable of efficiently checking whether payment has been correctly performed for a held product in a payment system.A gate apparatus is communicatively connected to an information processing apparatus including first acquisition means for reading a store leaving code to acquire first identification information for individually identifying a product for which a payment process by a user has been completed. The gate apparatus includes second acquisition means for acquiring second identification information for individually identifying a product that has passed through the gate apparatus from an RFID tag attached to the product, collation means for collating the first identification information with the second identification information, and output means for outputting a collation result from the collation means.

This specification discloses a payment system based on a large model (LLM). When an agent interacts with a user through a pre-built LLM, if it detects the user's intention to purchase a target product, it sends a first order instruction for the target product to the merchant system. The merchant system, based on the amount due for the target product, sends a second order instruction to the payment server. The payment server generates a payment order and returns an order identifier to the agent. The agent then sends the user's authorization identifier to the payment server, enabling the payment server to process the payment order based on this authorization identifier. Through this payment system, users can directly place orders and make payments through the agent via chat with the LLM, without frequently switching between and launching the e-commerce client for the merchant system and the payment client for the payment server, greatly simplifying the online shopping and payment process.