199 results about "Transaction account" patented technology

Disclosed are various embodiments for creating a proxy transaction account for a group of members (e.g., consumers) to use when sharing occasion-based expenses (e.g., trip expense, party expenses, etc.). In various examples, a proxy transaction account for a group of members can be created and a payment instrument (e.g., a physical or virtual payment card) associated with the proxy transaction account can be presented to a merchant to pay for the goods or services associated with a transaction. According to various examples, the transaction amount for the transaction can be split and the respective split amount can be applied to each member payment account of the group of members or the transaction amount can be applied to one or more selected member payment account(s) of the group of members in order to maximize reward offers associated with the transaction.

Systems and methods are described related to using flexible circuitry in a payment device. In one embodiment, a payment device comprises a computing device and a memory. The computing device is configured to store a biometric identifier associated with a transaction account. The computing device is configured to at least receive, by the antenna, an interrogation signal from a point of sale (POS) device in order to activate the payment device for a payment transaction. The computing device is configured to determine a scanned fingerprint identifier of a user based at least in part on the interrogation signal activating the payment device and authenticate the scanned fingerprint identifier by matching the scanned fingerprint identifier to the biometric identifier. The transaction account is transmitted to the POS device for processing the payment transaction based at least in part on the authentication of the scanned fingerprint identifier.

A device may receive a preauthorization associated with missed transaction prevention for a transaction account of a user, wherein the missed transaction prevention involves preventing a missed transaction associated with merchant accounts of the user. The device may monitor a transaction log of the transaction account and identify a transaction pattern associated with a merchant account based on a plurality of historical transactions identified in the transaction log related to the merchant account. The device may determine that a historical transaction of the plurality of historical transactions is not designated for automatic execution and that an execution of an upcoming transaction corresponding to the plurality of historical transactions is not scheduled. The device may cause an account transaction associated with the upcoming transaction to be automatically executed before a transaction period expiration, associated with the merchant account, passes.

The invention discloses a financial behavior anomaly detection system based on big data, and relates to the field of financial behavior anomaly detection. Multi-source data such as customer transaction, account operation and basic information are collected and formats are unified; processing numeric data by using an isolated forest, extracting text features by using TF-IDF, and constructing a composite feature vector; constructing a customer behavior baseline model based on an LSTM network, and dynamically updating and triggering early warning; carrying out anomaly detection by combining ensemble learning and a graph neural network; and triggering a multi-level response mechanism according to the abnormal confidence coefficient, and feeding back an optimization model. According to the invention, multi-source data and an advanced algorithm are fused, a dynamic behavior baseline is constructed, millisecond-level anomaly detection is realized, complex abnormal behaviors are accurately identified, and the rate of missing report and false report is reduced; federal learning is adopted to guarantee data security, systematic risks are predicted and prevented through risk propagation, the response efficiency is improved through automatic grading disposal, and fund security is comprehensively guaranteed.

The invention provides a fragmented block chain account allocation method and system, and the method comprises the steps: constructing a block chain environment according with a Markov decision process, and enabling the block chain environment to serve as an interaction environment of deep reinforcement learning; designing a multi-agent near-end strategy optimization Shard-MAPPO architecture in the block chain fragmentation system according to the initially set number of the fragments; downloading block chain transaction data from a network, extracting information to construct the block chain transaction data, designing an algorithm to construct an account relation graph, and segmenting the relation graph; a multi-agent model is trained under the Shard-MAPPO architecture, and the model is stored after being converged; and the model is applied, and balanced distribution of transaction accounts is realized through competition and cooperation among multiple agents in the model. The technical problems that load balancing is difficult to achieve, the cross-piece transaction proportion is too high, and the action requirement of a complex dynamic system cannot be met are solved.

The invention relates to a transaction processing method and device, computer equipment, a storage medium and a computer program product. The method can be applied to smart traffic, game scenes and the like. The method comprises the steps that in response to a transaction request, a transaction account participating in a transaction is determined, the transaction account comprises at least one asset unit, the asset unit carries a version identifier updated according to a transaction behavior, and the sum of assets of the asset units is used for representing the total asset amount of the transaction account; determining a main data center for executing the transaction from each data center of the asset unit in which the transaction account is stored; executing an asset transaction according to the asset unit in the main data center to obtain a transaction asset unit with an updated version identifier; and synchronizing the transaction asset unit to each data center. By adopting the method, the transaction throughput of each transaction account can be improved, the high availability of the transaction process is ensured, and the transaction processing efficiency can be effectively improved.

Systems and methods for automated linkage of enriched transaction data to a record of charge are provided. Electronic enriched transaction data, such as receipt information, provided by merchants, merchant aggregators, or third parties may be automatically associated with the corresponding transaction, and transmitted after the sale, or after authorization of the transaction, without user intervention. The enriched transaction data may be automatically associated with the record of charge at the acquirer or issuer end. Transaction account holders are able to view and / or download the electronic enriched transaction data with the record of charge, without the need for manually initiating emailing or attaching or the electronic enriched transaction data.

The invention discloses an artificial intelligence-based method and device for automatically cancelling exchange accounts after verification. The method comprises the following steps: extracting key information characteristics of a contact account and order information characteristics of an existing order according to input contact account information and order information of the existing order; inputting the key information features of the exchange accounts into a pre-constructed classification model to obtain the types of the exchange accounts; according to the type of the exchange account, matching the key information feature of the exchange account with the order information feature of each existing order, and generating a verification matching result; according to the cancel-after-verification matching result, dividing the exchange accounts into debtor projects and creditor projects for matching and grouping to obtain matching and grouping data; and traversing all the matched grouped data, and performing dealing account dealing according to an amount equivalent dealing mode or a non-amount equivalent dealing mode to generate a dealing result report. The cancel-after-verification operation is automatically executed, so that the cancel-after-verification time and workload can be remarkably reduced, and the financial processing accuracy and efficiency are improved.

The invention discloses an abnormal transaction dynamic detection method and system fusing multi-scale analysis and information entropy, and the method comprises the steps: S01, constructing a dynamic heterogeneous graph which comprises account nodes, equipment nodes and IP nodes; s02, extracting node features of each node, extracting a spectrum feature matrix of the dynamic heterogeneous graph, and forming a node feature vector of each node; step S03, clustering the dynamic heterogeneous graph to screen out candidate detection sub-graphs, inputting node feature vectors of nodes in the candidate detection sub-graphs into a pre-trained graph classification model, and identifying an abnormal account node set; and S04, calculating a corresponding dynamic risk score in real time according to the memory state vector of each abnormal account node in the time sequence diagram network and the diagram information entropy change rate so as to evaluate a real-time risk and identify a core abnormal account. According to the method, the group type abnormal transaction account can be quickly and accurately identified, and the core abnormal account can be positioned.

Systems and methods for the maintenance of merchant-stored transaction account data are disclosed. The system may include various merchant systems and issuer systems in communication via a blockchain network. The system provides a process for collaboration between various issuer systems and merchant systems to update and maintain merchant stored transaction account data in response to changes, cancellations, updates, or the like in various stored transaction account.

The invention relates to a method and device for processing transaction data, a processor and computing equipment. The method comprises the following steps: responding to a transaction object, performing transaction by scanning a two-dimensional code, and obtaining transaction data, the transaction data comprising a transaction account and a transaction record; the method further comprises the step of determining an abnormal state corresponding to the two-dimensional code and an abnormal threshold value corresponding to the abnormal state based on a comparison result of a transaction feature of a transaction platform and / or a transaction record corresponding to the transaction account and a preset transaction feature, and the abnormal threshold value is used for representing an abnormal degree corresponding to the abnormal two-dimensional code. The method further comprises the step of determining a corresponding target management and control strategy from a plurality of preset management and control strategies based on the abnormal threshold value. In addition, the method also comprises the step of managing and controlling the corresponding abnormal two-dimensional code based on the target management and control strategy.

Systems and methods for user authentication and account provisioning involving scanning a QR code, authenticating a user, selecting a transaction account, and completing a transaction.

Systems and methods are described related to using flexible circuitry in a payment device. In one embodiment, a payment device comprises a computing device and a memory. The computing device is configured to store a biometric identifier associated with a transaction account. The computing device is configured to at least receive, by the antenna, an interrogation signal from a point of sale (POS) device in order to activate the payment device for a payment transaction. The computing device is configured to determine a scanned fingerprint identifier of a user based at least in part on the interrogation signal activating the payment device and authenticate the scanned fingerprint identifier by matching the scanned fingerprint identifier to the biometric identifier. The transaction account is transmitted to the POS device for processing the payment transaction based at least in part on the authentication of the scanned fingerprint identifier.

The invention provides a transaction anomaly detection method, device and equipment for a financial system and a storage medium, and the method comprises the following steps: firstly, obtaining transaction data of each transaction account in the financial system, and building a transaction behavior model; secondly, extracting transaction features of each account, comparing the transaction features with a normal threshold value, and marking the features deviating from the threshold value as abnormal features; then, abnormal features are analyzed through a clustering algorithm, and the account with the high abnormal degree is defined as a suspicious account; and then, respectively defining the transaction type, the account and the data as nodes with different weights, and outputting the nodes to the suspicious account. Then, initializing node positions and obtaining a correlation weight sum; and iteratively updating node positions through a global optimization algorithm to maximize the sum of association weights, and finally determining an abnormal detection position. According to the invention, the abnormal transaction behavior in the financial system can be effectively identified and positioned, and the transaction security and the risk prevention and control capability are improved.

The intelligent data processing system comprises a distributed edge probe group, a dynamic fraud strategy engine, an intelligent evidence chain construction module and a credible evidence storage interface, the distributed edge probe group is deployed in a core transaction system, a lightweight protocol analyzer is arranged in the distributed edge probe group, an SWIFT / UnionPay private protocol and a real-time desensitization module are adapted in the analyzer, and transaction account masking and behavior track hash solidification are executed at a data source end; the dynamic fraud strategy engine accesses an abnormal transaction flow of the edge probe group, and stores a cross-mechanism transaction mode vector through a graph neural network fraud feature library; the real-time threat evaluation unit detects the transaction time sequence abnormal probability based on a hidden Markov model; the self-adaptive evidence obtaining controller dynamically activates a targeted evidence obtaining instruction according to the threat value, capital flow of a cross-platform is captured through a high priority, and the evidence storage period of a suspicious session is prolonged.

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

The invention discloses a fund allocation method and device, equipment, a storage medium and a product, and relates to the technical field of data processing, and the fund allocation method comprises the steps: responding to a fund allocation request of a transaction account, and determining a fund allocation path of the transaction account in a cash pool concurrent transaction model, the fund allocation path passes through the fund account and the position account; calculating to obtain target funds needing to be transferred by the fund account and the position account in the fund transfer path, and transferring the target funds to transfer transaction sub-households randomly selected from the fund account and the position account; and transferring the target fund stored in the transfer transaction child account to the transaction account based on the fund transfer path. According to the method and the device, the problems that transverse expansion cannot be realized due to adoption of serial fund transfer processing, mother company accounts of all levels in a cash pool become performance bottlenecks of high-concurrency transactions, and transaction processing efficiency of a bank accounting system is seriously influenced in a transaction peak period can be solved.

Embodiments of the present invention provide a digital currency transaction method, apparatus, electronic device, and readable storage medium, relating to the field of digital currency technology. A specific implementation of the method includes: in the process of using a first digital currency wallet to conduct a digital currency transaction, determining a second digital currency wallet for reviewing the current transaction; sending pending review information for the current transaction to the second digital currency wallet and obtaining the review result; and determining whether to make payment and settlement for the transaction account corresponding to the current transaction based on the review result. According to an embodiment of the present invention, a digital currency transaction method capable of automatic approval is provided. After the approval process is completed, the payment process can be entered, thereby realizing the integrated automated processing of the approval process and the payment process during the digital currency transaction process, making the operation of digital currency-based transactions more convenient.

The present invention discloses a transaction method and device based on the UTXO model of blockchain, and relates to the field of blockchain technology. A specific implementation of the method includes: creating a transaction public address of the UTXO model on the main chain of the blockchain, and the transaction public address is used to store the UTXO transferred by the user; receiving a UTXO transaction request sent by the user, and the transaction request is used to perform a transaction operation on the UTXO stored in the transaction public address; and performing transaction accounting through the accounting node of the blockchain side chain to perform the transaction operation. This implementation can realize fast and frequent transactions between users on the blockchain with UTXO as the transaction model, greatly improve the efficiency of user transactions, and ensure the security of the system, establish trust in the network, and ensure the normal operation of the system.

A device may determine that transaction account information, associated with a transaction account associated with a user, is to be updated. The device may identify a merchant account that is configured to use the transaction account for a transaction associated with the user and a merchant, and navigate, using a navigation model, a merchant portal associated with the merchant, to access the merchant account. The device may perform, using the navigation model and login credentials for the merchant account, a login operation to access the merchant account via the merchant portal, wherein the login credentials are stored in a credential mapping that indicates an authorization to update the transaction account information to permit the transaction account information to be used in association with the merchant account. The device may update, using the navigation model, a transaction setting of the merchant account to include updated transaction account information for the transaction account.

The invention provides a transaction data security management method and system based on a block chain, and the method comprises the steps: constructing a transaction management block chain which is composed of a main chain and a sub-chain, and achieves the inter-chain connection and connection data connection through a trusted cross-chain relay; wherein the main chain is composed of management layer nodes, the main chain stores necessary index information of a transaction object, the sub-chains are composed of transaction account nodes managed by a management layer, the sub-chains store attribute information of the transaction object, the main chain accesses complete transaction object information of the sub-chains through the trusted routing module, and cross-domain access is achieved between the sub-chains through the trusted routing module; each node of the sub-chain serves as a transaction initiator to initiate a transaction instruction, the node requesting the cross-chain transaction verifies the transaction instruction according to the stored routing table and based on the routing contract, and then sends a cross-chain transaction request to neighbor nodes on the routing table in a multicast mode, so that the processing of messages in the cross-chain and the cross-chain transaction between the nodes are realized.

Systems and methods for transaction authorizations using a distributed database are disclosed. The system may allow registered transaction account holders and merchants to interact and complete transactions according to workflows enforced by smart contracts. The system may include an issuer system that receives a transaction authorization request comprising a merchant ID, a transaction account number, a transaction amount, and a transaction ID. The issuer system may retrieve a merchant public key and a smart contract based on the merchant ID, and a user public key based on the transaction account number. The issuer system may invoke the smart contract by passing the user public key and the transaction ID to the smart contract. The system may propagate transaction data (e.g., the merchant ID, the transaction account number, the payment amount, a transaction status, etc.) to a blockchain network for writing to a blockchain according to the invoked smart contract.

A method for conversion of digital assets to fiat currency using a secondary blockchain and mirrored accounting includes: receiving transaction data corresponding to a first blockchain transaction processed using a first blockchain, the transaction data including a payer identifier, recipient identifier, and blockchain currency amount; validating an entity as an authorized entity associated with the payer identifier; determining a fiat currency amount based on the blockchain currency amount; generating a second blockchain transaction, the second blockchain transaction including an unspent transaction output, destination address associated with the authorized entity, and the blockchain currency amount and / or the fiat currency amount; confirming addition of the second blockchain transaction to a second blockchain; and initiating a transfer for the fiat currency amount from a first transaction account to a second transaction account, the second transaction account being associated with the authorized entity.

The present invention relates to artificial intelligence technology and discloses a bank interest calculation method based on daily accrual, comprising: obtaining daily active account transaction information and identifying multiple transaction accounts with balance changes; obtaining the number of idle accrual process resources and comparing it with the number of transaction accounts; if the number of idle accrual process resources is greater than or equal to the number of transaction accounts, performing a single interest accrual on each transaction account simultaneously; otherwise, obtaining account information for each transaction account and determining the account level of each transaction account; and selecting transaction accounts with the same number of idle accrual process resources as the number of idle accrual process resources from high to low according to account level for single interest accrual. Furthermore, the present invention relates to blockchain technology, and account information can be stored in blockchain nodes. The present invention also provides a bank interest calculation device, electronic device, and storage medium based on daily accrual. The present invention can improve the operating efficiency of a bank accrual system.

The invention provides an inter-bank transaction account checking connection method and device based on new and old system switching. The method comprises the steps of determining a starting time point of T-day data migration of a new system and an old system, performing account checking processing by adopting the old system according to old account checking elements at a first preset time point before the starting time point, migrating to-be-migrated data of the old system to the new system under the condition that the starting time is reached, and monitoring the data migration progress, wherein in the data migration process of the old system and the new system, the old system is adopted to process services; and when it is detected that data migration is completed, taking the current time point as a migration completion time point, switching the old system into a new system to process the service, and at a second preset time point, adopting the new system to perform account checking processing on the migration time period and the service data generated in the (T-1) day according to the new account checking element. The problem that the accuracy of data reconciliation is low during the existing new and old system switching period is solved.

The invention provides a data table data updating method and device, equipment, a medium and a program product, relates to the field of big data, and can be applied to the field of financial science and technology. The method comprises the steps that transaction change data sent by an external mechanism is received, the transaction change data comprises transaction data of an account in a first data table in a preset time period up to the current, and the first data table is stored in the external mechanism; on the basis of the transaction change data, transaction accounting is carried out on account data in the second data table, change data of changed accounts in the second data table in the transaction accounting is recorded in an intermediate table, and the account data of the second data table is consistent with account data of the first data table before the preset time period; sending the intermediate meter to an external mechanism; receiving a checking result of the external mechanism on the intermediate table; and when the checking result shows that checking is correct, updating the second data table based on the intermediate table.

The invention discloses a block chain-based verification method and electronic equipment, and the method comprises the steps: carrying out the analysis of a transaction request, and obtaining identity certificate data carried by the transaction request; wherein the identity certificate data is generated based on the relationship between the transaction account and the account blacklist and the version information of the account blacklist; calculating the identity data according to a preset function to obtain to-be-verified data; generating first verification data according to a public key corresponding to the account blacklist and the to-be-verified data, and generating second verification data according to the public generator and the to-be-verified data; the public generator is a preset public parameter; and verifying the transaction request according to the identity proof data, the first verification value and the second verification value. According to the technical scheme, the volume of the verification data is compressed, the data transmission amount and the calculation amount of the block chain node in the verification process are reduced, and the verification speed of the transaction request can be remarkably improved.

The invention relates to the technical field of data processing, in particular to a fund allocation method, device and equipment and a storage medium, and the method adjusts a sub-account balance threshold value in real-time network account information based on network fund demand prediction information, achieves the dynamic optimization of the threshold value, can accurately match the demands of business peak and valley periods, and improves the efficiency of fund allocation. Low-efficiency occupation or shortage of funds is avoided; a three-dimensional tensor and mixed deep learning framework is constructed by adopting multi-source data, so that time sequence features, space correlation features and industry special laws of the data can be comprehensively captured, the problem of low prediction precision caused by the fact that a traditional prediction model depends on a simple method in the prior art is solved, and a prediction result better fits an actual business scene; by generating the scene-based fund scheduling scheme and combining the prediction information and the real-time account state, accurate fund distribution is realized, the problems of high-frequency transaction account congestion, deadlock and the like in the prior art are solved, the high-frequency account pressure can be relieved, transaction congestion can be reduced, and the fund circulation speed can be improved.

The invention belongs to the technical field of block chain information security, and relates to an Ethereum fraud detection method based on deep fusion of transaction semantics and graph structures, which comprises the following steps: acquiring and preprocessing Ethereum transaction records to obtain an account transaction sequence; inputting an account transaction sequence into the trained transaction sequence feature extraction network, and outputting a sequence embedding matrix; inputting the self-transaction sequence of the weighted undirected graph and the sequence embedding matrix into the trained graph neural network, and outputting a structural feature embedding matrix; performing element-level fusion on the self-transaction sequence of the sequence embedding matrix and the structural feature embedding matrix; inputting the self-transaction sequence of the sequence embedding matrix and the fused structure embedding matrix into a trained classifier to obtain a sequence prediction score and a structure prediction score, and combining the sequence prediction score and the structure prediction score to obtain an account prediction score; and judging whether the transaction account belongs to a fraudulent account or a normal account according to the account prediction score. According to the method, high-precision identification of the fraudulent account can be realized.

A method for account type registration of a blockchain wallet includes receiving, by a receiver of a processing server, a public key of a cryptographic key pair of a blockchain wallet associated with a blockchain; receiving, by a receiver of the processing server, an account identifier of the transaction account; identifying, by a processor of the processing server, an account type of the transaction account; and storing in a data entry at least the public key and an identifier associated with the identified account type.