79 results about "Payment system" patented technology

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.

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.

Systems, methods, and computer program products for predicting merchant names during push payment transactions are provided. The method can include receiving an account identifier and image data in response to a user initiating a push payment transaction with a user device. Additionally, the method can include determining a predicted merchant name of a merchant associated with the account identifier based at least in part on the image data and a merchant name database. Further, the method can include updating the merchant name database based on the predicted merchant name of the merchant associated with the push payment transaction.

This invention relates to the technical field of self-service payment, and in particular to an unmanned self-service payment system, comprising: a data acquisition module, a data analysis module, a storage module, an alarm module, a storage mechanism, and a central control module. The central control module receives data uploaded from each module, issues control commands, verification tasks, and deep learning model inference scheduling commands, coordinates the collaborative operation of each module, and executes the linkage control logic of the device door lock. Through a core control logic combining mobile phone locking with deep learning-based full-process verification and door lock linkage, it fundamentally eliminates the occurrence of multiple or incorrect items and malicious evasion of payment, achieving full-process control with zero loss and no loopholes, adapting to all product categories. The entire process utilizes a mature, standardized deep learning model, requiring no customized improvements, significantly reducing system development costs and edge deployment difficulty, and improving device operational stability and commercialization capabilities.

The embodiment of the specification discloses a payment system based on an agent, a payment server issues a payment voucher for the agent as an electronic identity of the agent, and a user terminal always stores the payment voucher in a TEE without transmission to the outside, so that the reliability of the electronic identity can be ensured, so that the payment server and the agent can establish a trust relationship by means of the payment voucher when paying, and the security of payment can be ensured in a scenario in which the agent is used instead of manual payment initiation.

The application discloses a payment method, a payment terminal and a payment system, and relates to the technical field of computers. A specific implementation manner of the method comprises the following steps: in response to a payment operation triggered by a user, payment environment information corresponding to a payment terminal is acquired; according to the payment environment information, associated merchant information corresponding to the payment terminal is determined; a merchant code corresponding to the associated merchant information is displayed on a display page; and in response to a scanning operation on the merchant code, the merchant code on the display page is switched to a payment code, so that payment is performed according to the payment code. In the implementation manner, the automatic switching of the merchant code and the payment code is realized in the payment process, and the user does not need to switch applications and perform operations in different applications, so that the payment operation of the user is simplified, and the payment efficiency and the user experience are improved.

To improve user convenience when using multiple applications. [Solution] An application program that operates in cooperation with other application programs on a terminal device, wherein the terminal device receives settings related to the font size of the application program, stores the received settings related to the font size as font size setting information in a storage unit, and provides the font size setting information stored in the storage unit to the other application program in response to a request for the font size setting information from the other application program.

The present disclosure provides a data processing and display method, device, electronic equipment and readable storage medium, the data processing method is executed by a virtual wallet system, comprising: receiving a resource extraction request of a first object in a first activity, the resource extraction request carrying a resource extraction amount, a first activity identifier of the first activity and an actual asset receiving account of the first object, the first activity being initiated by a first business party; determining a first virtual wallet from a plurality of virtual wallets according to the first activity identifier, the first virtual wallet comprising a first virtual account of the first object; performing a virtual resource extraction operation in the first virtual wallet according to the resource extraction amount; initiating an asset transfer request to a payment system according to the resource extraction amount and the actual asset receiving account of the first object, so that the payment system controls an actual asset payment account to perform an actual asset transfer operation corresponding to the resource extraction amount to the actual asset receiving account according to the asset transfer request.

This invention discloses a payment system and method based on a TEE (Trusted Execution Environment) and a Bluetooth-enabled digital currency hardware wallet. The method includes a mobile smart terminal and a Bluetooth-enabled digital currency hardware wallet. The mobile smart terminal includes a Rich OS (operating system) and a Trusted Execution Environment (TEE) OS running in parallel. A digital currency wallet management app runs on the Rich OS, integrating a digital currency wallet SDK. A digital currency wallet TA (Trusted Execution Environment) runs on the TEE OS. The Bluetooth-enabled digital currency hardware wallet includes a security chip control module, a communication interface connected to the security chip control module, and a power control module. The communication interface includes an NFC module and a Bluetooth module. A pre-installed line protection key exists between the Bluetooth-enabled digital currency hardware wallet and the digital currency wallet TA. This invention utilizes the TEE function of the mobile smart terminal to achieve trusted human-computer interaction, combined with the physical security features of the Bluetooth-enabled digital currency hardware wallet, to achieve low cost and high security.

In a payment system configured to process payments for game machines within an arcade, the aim is to reduce the likelihood of customers mistakenly selecting the wrong game machine for payment. [Solution] The payment system comprises multiple game machines, a terminal device, and a management device. The terminal device comprises a display unit, an input unit, a selection display control unit, an input operation unit, and a payment transmission unit. The selection display control unit is configured to display an image corresponding to the selection information on the display unit, which allows the customer to select one game machine from multiple game machines. The payment transmission unit is configured to transmit payment information, including the selected game machine and the content of the payment operation, to the payment server, thereby causing the payment server to perform the payment.

The application provides a payment system for fund processing of a network freight platform and a path generation method, constructs a three-layer entity-virtual collaborative architecture, includes multiple layers of accounts and their associated core rules, and generates a payment path in combination with corresponding payment types, applies the payment path to a payment system corresponding to the path generation method, matches the corresponding payment path according to the direct payment or transfer payment scene type, adapts to differentiated needs, and in the transfer payment scene, the service department and the bank virtual account VS(S, O, B) and the service department and the bank entity account ES(S, B) are matched, the matching rate of the flow and the document is improved, and the cross-bank transfer delay is avoided, the balance of each bank sub-account VU(U, O, B) is split through the consignor virtual account VU(U, O), the consignor precise withdrawal is realized, and the problems that the prior art cannot adapt to the service department multi-bank entity account management, the scene-based bank path matching and the consignor multi-bank balance splitting demand are solved.

This invention discloses a two-layer, bidirectional streaming slice payment method and system based on DAO governance, belonging to the category of legal digital currency payment, compliant stablecoin trading, blockchain distributed governance and time-series slice streaming payment technology in the Web3.0 value internet field. IPC classification numbers: G06Q20 / 08, G06Q20 / 38, G06Q20 / 40, G06F16 / 27, G06Q40 / 00. This invention, based on distributed state machine synchronization and time series analysis, constructs a two-layer, bidirectional streaming architecture comprising a one-way digital currency streaming payment layer and a two-way digital asset streaming delivery layer. This enables deep integration of digital RMB, compliant stablecoins, and RWA real-world assets into a comprehensive streaming payment system. Through dynamic matching of α / β rate coefficients, it achieves atomic-level state synchronization, transaction rollback, and strong bidirectional linkage between payment and delivery. Combined with DAO on-chain consensus governance and a dual-signature security verification mechanism, it establishes a distributed two-layer ledger storage and decentralized arbitration system for user nodes. Without altering the underlying architecture of the legal digital currency, this invention solves the technical problems of existing technologies, such as the inability to synchronize cross-heterogeneous asset payments and deliveries, weak risk control capabilities, insufficient compliance, and the disconnect between DAO fund governance and payment scenarios. It is suitable for core scenarios such as cross-category digital asset transactions, cross-border multi-currency settlement, and continuous fulfillment of RWA across all scenarios.

The application relates to a two-dimensional code payment method and a two-dimensional code payment system. The method comprises the following steps: a mobile terminal generates a payment request and sends the payment request to a payment server; the mobile terminal generates a pair of public and private keys based on the payment request, and the payment server generates a first token based on the payment request; the mobile terminal acquires a public key of a merchant server and generates a first payment code based on the pair of public and private keys, the first token and the public key of the merchant server, and displays the first payment code; a merchant POS terminal acquires the first payment code and sends first ciphertext information together with payment information to the merchant server; the merchant server decrypts the first ciphertext information by using a private key of the merchant server to obtain the first token, and performs primary verification based on the obtained first token and geographical position information by the payment server; in the case that the verification is unsuccessful, a second token is generated, and similar secondary verification is performed based on the second token. Through the secondary verification, the risk of the two-dimensional code being stolen and used can be effectively reduced.

The application provides a restaurant consumption payment method and system, comprising the following steps: when a user successfully signs up for a third-party payment system, an update sign-up state sent by the third-party payment system is received by a non-sensing payment system; when the user enters a dining area, current face information is captured by an information management system, and the current face information is compared with pre-stored face information; when the comparison is successful, user information sent by the information management system is received by the non-sensing payment system; the user information is screened and summarized by the non-sensing payment system, and dining order information is generated; the dining order information is sent to the third-party payment system by the non-sensing payment system, so that the third-party payment system performs payment deduction and generates a payment result; and the payment result sent by the third-party payment system is received by the non-sensing payment system, and the user is notified; in a fixed consumption scenario with fixed meal tags, personnel can realize non-sensing consumption, reduce contact risks, and improve queuing dining efficiency.

A system and methods to capture, store, track, and sort through receipt information details following a merchant / purchaser transaction executed through an electronic payment system. The system provides storage and analytical capabilities to provide access to and the utilization of the captured data by the merchant user, the purchaser user, and permitted third parties. The system operates by a secure hashing algorithm receiving a plurality of transaction information from a point of sale system. The secure hashing algorithm generates a primary key using the plurality of transaction information. A database receives and stores the primary key. The primary key is used when sending the plurality of transaction information to the database to encrypt the plurality of transaction information.

This invention relates to the field of payment system technology, specifically disclosing a reliable evidence storage and traceability method for real estate ownership registration based on blockchain and smart contracts. The method includes: acquiring payment instruction sequence data and a set of registration application materials; constructing a payment time-series dependency graph; performing continuity verification on spatial range identifiers based on differential entropy values; generating a commitment to a pending ownership status containing topological fingerprints and differential entropy values; monitoring multi-layer payment signals to achieve final alignment; performing progressive verification on spatial range identifiers based on a historical spatial status certificate chain; generating transitional ownership certificates; constructing a three-dimensional coupled state traceability tree of payment, ownership, and space; upgrading the transitional ownership certificates to complete ownership certificates; and performing decoupling and recombination calculations based on topological fingerprints and differential entropy values. This invention achieves fine-grained reliable evidence storage of payment history, ownership status, and spatial morphological evolution through three-dimensional atomic-level mapping, quantitative verification of spatial morphological continuity, and a transitional ownership confirmation mechanism.

This application discloses a medical insurance business communication management system based on facial recognition. This invention constructs a complete medical insurance business communication management system through the collaborative cooperation of multiple modules. This invention improves identity authentication security by employing a two-factor authentication mechanism combining facial recognition and social security card chip. It solves the distributed transaction consistency problem by using a preprocessing mechanism and a unified coordination mechanism. This invention uses a parallel sending of pre-operation requests to simultaneously initiate resource locking requests to the insured's local medical insurance system, medical institution system, and bank payment system. The pre-operation mechanism achieves advance resource locking, avoiding resource conflicts caused by inconsistent processing times between systems.

A system for authenticating a user using a hardware-based security card with biometric data capture. Characterized by the fact that the security card or an associated system is configured for this purpose. • In addition to the user's identity, also capture characteristics of the authentication process, • To analyze these characteristics with regard to a possible state of compulsion, • And to trigger a modified system response depending on a detected or suspected state of distress, the modified system response including in particular a blocking, a delayed release, a restricted release or a covert alarm message.

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 application discloses a risk account identification method and device, and relates to the technical field of risk control. A specific implementation manner of the method comprises the following steps: acquiring transaction data corresponding to two payment systems respectively, wherein the transaction data comprises a plurality of transaction accounts and transaction information of each transaction account; generating a first transaction matrix and a second transaction matrix corresponding to the two payment systems respectively according to the transaction data; calculating a first similarity matrix corresponding to the two payment systems according to the first transaction matrix and the second transaction matrix; determining an account matching pair from the two payment systems according to the first similarity matrix and a matching algorithm; and determining a risk account according to the account matching pair. The implementation manner improves the accuracy of identifying the risk account.

This specification discloses an agent-based payment system. The payment server pre-creates a unique sub-account for the agent deployed on the user's terminal under the user's payment account. When a payment request is received from this agent, only the funds in the sub-account are used for payment settlement, without using funds from other accounts. This method controls the risk of payment within the unique sub-account corresponding to the agent, making the risk more manageable and maximizing payment security in scenarios where agents are used to initiate payments instead of manual intervention.

The present application relates to a kind of public parking berth self-help management method and system, specifically related to a kind of management system and a kind of management method using information technology for social management.The management system includes using the existing communication network and electronic payment system of society, and the system is formed by mobile phone app+system server+patrol supervision app;The management method includes giving reduction and exemption according to the credit of berth user, fully using legal authorization to dynamically determine the use time of public berth to solve the contradiction of fairness and rationality in the use of public resources, reduce the difficulty of law enforcement.The present application can reduce the system construction and system operation cost to the minimum, greatly improve the public benefit and the space of parking fee standard reduction;Make management behavior fully meet the relevant provisions of the Civil Code related economic contract, do not produce the possibility of contract opinion invalid delivery and voucher no one management is damaged and lost, lay the foundation for judicial settlement of disputes.

The application provides a salary automatic payment system based on a smart contract, relates to the technical field of computer data processing, and first introduces an adaptive context anomaly detection mechanism based on group statistical characteristics, dynamically identifies anomalies by evaluating the relative position of data points in the group distribution, and effectively solves the high misjudgment and missed judgment problem of data cleaning in a complex correlation scene. On this basis, the scheme encapsulates the calculation process containing sensitive salary logic in an off-chain security sandbox, only generates a zero-knowledge proof of calculation without private information and a clear payment list. The on-chain smart contract does not need to touch the original data or the calculation model, and only needs to prove the validity through mathematical verification to confirm the correctness of the calculation result, thereby realizing the trustless verification of complex salary calculation logic and the automatic and accurate distribution of funds on the premise of completely shielding commercial secrets and personal privacy.

This invention discloses a method for ensuring high availability of a cross-border payment multi-channel system, comprising: monitoring network accessibility and application layer accessibility; employing a monitoring scheme that involves multiple monitoring samples and pushing the sampling results into corresponding fixed-length message queues; monitoring the results of normal payment requests at the application layer and performing data cleaning on actual payment requests; conducting corresponding-level monitoring through network accessibility monitoring queues, application service layer heartbeat detection monitoring queues, and payment service payment success rate monitoring queues; adopting different response plans according to different levels of problems; establishing an availability switch for each channel, reducing routing priority to the lowest level, and prioritizing routing to available channels. The payment system can monitor the availability of payment service channels down to the minute level and accurately identify problems in target channels. The payment system adopts different contingency plans according to the problem type to ensure the high availability of the cross-border payment system.

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 to be paid 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.

The present invention provides a settlement system and method for issuing qualified invoices and qualified receipts, and for verifying the validity and effectiveness of payment and transaction information. [Solution] The first payment provider on the issuer side issues the holder's credentials as a VC to the user terminal. The digital ID wallet provider issues an encrypted VP generated from the VC. The payment terminal on the merchant side requests verification of the encrypted VP from the second payment provider on the verifier side. The second payment provider provides the payment terminal with the verification result of the encrypted VP. Based on the verification result of the encrypted VP, the payment terminal requests the second payment provider to process the payment. The second payment provider issues a payment request to execute the payment process. The digital currency wallet provider on the issuer side generates a payment transaction based on the payment request and sends the payment transaction to the digital currency payment infrastructure.

The application is suitable for the technical field of cash register payment system, and provides a multiplexing circuit and a cash register payment system, which comprises a first communication interface, a second communication interface, a third communication interface, a first USB switching circuit, a second USB switching circuit, a third USB switching circuit, a charging control circuit, a fifth USB switching circuit, a hub and a communication control circuit; the connection relationship among the first communication interface, the second communication interface, the third communication interface, the first USB switching circuit, the second USB switching circuit, the third USB switching circuit and the fifth USB switching circuit is set, and the channel is switched, so that the communication among the devices connected by the multiple communication interfaces is realized. Thus, the technical problem that the single cash register device cannot realize communication in the same application scene in the prior art is solved.

This application relates to the field of computer technology, specifically to an automated configuration and verification method for payment channels based on an external approval process. Its core is to replace the traditional manual configuration mode by linking an external approval system with a configuration system and a payment system. After relevant personnel select the target payment channel type in the external approval system, the system pushes a dynamically matched form template. After filling in basic information, uploading payment vouchers, and passing the review, the configuration system automatically parses and integrates the data, generates structured configuration instructions, encrypts and stores sensitive vouchers, and synchronizes them to the payment system to complete the configuration. After configuration, the payment system generates a test order, initiates verification with the payment platform, and finally feeds back the configuration status and verification results to the approval process in the form of comments. This solution automates the entire payment channel configuration process, reduces reliance on personnel and operational barriers, minimizes configuration errors and security risks, and improves business response efficiency and process standardization.

To realistically improve the convenience of electronic payments. [Solution] A payment system comprising an application program that operates on a user terminal device having NFC functionality, and a payment server that communicates with the application program, wherein the application program causes the user terminal device to transmit the tag ID to the payment server when the tag ID is obtained by NFC functionality from an NFC tag installed in a store and storing a tag ID that can recognize at least some of the store, the store's payment terminal installed in the store, and the affiliated stores to which the store belongs, the payment server transmits payment information corresponding to the tag ID received from the application program to the application program, and the application program causes the user terminal device to display the payment information and accept the user's payment acceptance operation.

This invention provides an intelligent settlement device based on artificial intelligence image recognition technology, including a workbench, a local control device, an image acquisition system, an intelligent inference model, a payment system, an intelligent gate, and a cloud-based model training system. The local control device, image acquisition system, and payment system are all installed on the workbench. The intelligent inference model is deployed on the computer of the local control device, the intelligent gate is deployed at the settlement channel exit, and the cloud-based model training system is deployed on a cloud server. This invention can realize unattended intelligent settlement, save manpower, and reduce labor costs.