621 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.

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

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.

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 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.

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 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.

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.

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 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 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.

The invention provides an intelligent hospital catering platform and method fusing dining features and health management, and an architecture diagram of the platform, and the platform comprises a patient ordering system which is used for recognizing the dining features of a patient according to the illness state, the dining habits and the nutritional requirements of the patient, and recommending a first personalized menu to the patient based on the dining features of the patient; the employee ordering payment system is used for identifying employee dining features according to the health data, the dietary habits and the nutritional requirements of the employees and recommending a second personalized menu to the employees based on the employee dining features; and the recommendation system is used for recommending the menu to the corresponding user side. By combining an existing payment ordering system on the market and through AI upgrading, the system is more humanized, and scientific diet is achieved. The AI technology is integrated into the patient ordering system and the staff ordering payment system of the hospital, so that the dining experience can be remarkably improved, the nutrition management is optimized, and the patient and the staff are helped to establish healthy dietary habits.

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.

An embodiment of the present invention is directed to an automated Global Withholding Tax Engine that leverages standardized withholding tax rules and requirements across various jurisdictions. The Global Withholding Tax Engine addresses a need for tax automation in the global marketplace. The Global Withholding Tax Engine may be developed as a standalone engine that is system agnostic. It may offer standard APIs that receive as input data elements relevant to determine an applicable withholding rate. Because it utilizes a standard API, the engine may be connected to any system, whether it is an ERP or other payment system. This approach allows the flexibility to meet the needs of any client, and further expand the engine to cover any other type of determination or calculation with defined input / output variables.

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.

A computer-implemented method may include emitting a presence audial tone at a point-of-sale device. The presence audial tone denotes a presence of the point-of-sale device. When the presence audial tone is received at a user device, the user device establishes a secure communications session with the point-of-sale device. The method may include receiving a confirmation audial tone through the secure communications session at the point-of-sale device. The confirmation audial tone encodes payment confirmation corresponding to a transaction. The method may include determining expected characteristics of the confirmation audial tone using an algorithmic library. The method may include comparing the confirmation audial tone against the expected characteristics to authenticate the transaction. The method may further include processing the authenticated transaction by demodulating the confirmation audial tone to obtain the payment confirmation. Related systems and computer-readable medium are described.

The present invention relates generally to the technological field of payment systems. More specifically, the present invention relates to technical solutions for performing payment transactions from inside a vehicle, also known as in-cart payment systems (ICPS). The claimed invention represents the system and method of authorizing and performing payment transactions, which provide an improvement of the technological field of payment systems by increasing security of in-vehicle payments, while maintaining the procedure easy and convenient to the consumer, in particular, by requiring consumer interaction with in-vehicle computer only.

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.

A distributed payment system may include a first bank at which a user deposit account of a customer is established where the user deposit account is associated with a vehicle of the customer to fund transactions initiated via the payment vehicle, a second bank at which a facilitator account of a card issuer of the payment vehicle is established, and a facilitation agent in communication with a first bank agent of the first bank and a second bank agent of the second bank to issue messages or system triggers associated with money transfers within the distributed payment system. The facilitation agent establishes a facilitator clearing account to hold unreconciled funds of customers having payment vehicles and deposit accounts at the first bank, and establishes a facilitator servicing account to hold reconciled funds of the customers having payment vehicle and deposit accounts at the first bank. The facilitation agent facilitates real time transfer of money into and out of the user deposit account with respect to the facilitator clearing account responsive to the customer initiating a transaction, facilitates a net transfer of money between the facilitator clearing account and the facilitator servicing account based on summing all transactions in a given period, and facilitates a transfer of funds between the facilitator servicing account and the facilitator account of the second bank based on the summing of all transactions in the given period.

The invention discloses an information security protection method based on a payment system, and relates to the technical field of information security protection, and the method specifically comprises the following steps: screening an encrypted data field with abnormal content change from a to-be-detected encrypted field set, and calibrating the encrypted data field as a to-be-analyzed encrypted data field; acquiring encrypted field feature information of each to-be-analyzed encrypted data field in real time, analyzing the acquired encrypted field feature information, evaluating the abnormal change degree of the content of each to-be-analyzed encrypted data field in the payment instruction, and classifying the to-be-analyzed encrypted data field; and respectively executing corresponding safety protection measures according to classification results. According to the method, the problem that a payment system cannot perform dynamic screening according to the abnormal change degree in the encrypted data field is solved, accurate screening and graded protection of the encrypted data field are realized through abnormal change index evaluation and classification, and the tampering detection capability of the payment instruction and the safety protection level of the system are effectively improved.

The invention relates to a cross-border payment system based on Web3.0 and RWA token, and the system comprises an RWA token module, an intelligent contract automatic cross-border transaction module, a multi-chain communication module, a privacy protection module, a dynamic asset assessment and risk management module, and a data analysis module. The RWA token module comprises asset information collection, verification, mapping, uplink and token generation. And selecting an optimal token model according to the asset type by using a non-homogenized token or divisible homogenized token technology. According to the cross-border payment system based on Web3.0 and RWA token, the decentralization, transparency and intelligent contract characteristics of Web3.0 are combined, the defects of efficiency, transparency, privacy protection and asset evaluation in the prior art are overcome, a brand new technical framework is provided for cross-border trade, the security, flexibility and intelligent level of transactions are remarkably improved, and the cross-border payment system is suitable for popularization and application. Dynamic asset value evaluation is realized based on Web3.0 real-time data and a machine learning algorithm, and market fluctuation is accurately reflected.

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 invention belongs to the technical field of fraud detection, and relates to a payment terminal real-time anti-fraud decision-making method based on machine learning, and the method comprises the steps: carrying out the time-space slicing of a payment transaction flow through a sliding window, injecting abnormal features through combining with a generative adversarial network, and enhancing the tensor of the time-space features; a three-dimensional dynamic adversarial graph is constructed by using a spatial topology layer, a transaction association layer and a device fingerprint layer, and a complex relationship of transaction data is deeply mined through weight fusion of an attention mechanism; carrying out convolution operation on the deformable space-time convolution and then carrying out multi-dimensional space-time fingerprint fusion so as to generate a space-time fingerprint and a hidden group clustering result of each terminal device; finally, real-time fraud decision making is carried out in combination with the space-time fingerprints of the terminal equipment and the current context, and dynamic and real-time monitoring and blocking of payment fraud behaviors are achieved. The accuracy and timeliness of fraud detection are remarkably improved, the adaptive capacity of the system to novel fraud behaviors is enhanced, and the safety and defense capacity of the payment system are improved.

The embodiment of the invention discloses a payment system, an interactive interface is displayed through a display screen on an unaccepted device, a user performs man-machine interaction with the unaccepted device through the interactive interface, and the unaccepted device can participate in a marketing activity in response to the man-machine interaction. The marketing platform randomly determines a preferential amount and returns the preferential amount to the non-accepting equipment, and the non-accepting equipment determines a to-be-paid amount according to the commodity amount of the to-be-settled commodity and the preferential amount during next payment, and sends a payment request to the settlement system according to the to-be-paid amount and the payment identifier of the user; and the settlement system completes payment settlement according to the to-be-paid amount and the payment identifier. According to the system, in the payment process of the user, the marketing activity participation process triggered by the man-machine interaction between the user and the unaccepted equipment is added, so that the user can participate in the marketing activity while the user performs offline payment, and the perception of the user on the marketing activity is enhanced through man-machine interaction.