183 results about "Transaction processing system" patented technology

The invention relates to the technical field of transaction processing systems, and particularly discloses a trusted monitoring auditing system fusing TEE and a block chain, which comprises the following steps: generating a transaction instantaneous state abstract containing a key information field at a key node of a business process through a trusted execution environment, signing, anchoring a hash value of the transaction instantaneous state abstract to a block chain network, and storing the signature abstract under the chain; and during auditing, by comparing integrity verification of on-chain hash and under-chain abstract and TEE signature verification, dual authentication of transaction authenticity and environment reliability is realized. Through the collaborative architecture of the TEE and the block chain, the transaction core data state and the credible environment proof are deeply fused, so that the audit verification can be independently completed without depending on a centralized database, the problem that post-event tracing depends on the credibility of the log in the traditional audit is fundamentally avoided, and the audit verification efficiency is improved. And a lightweight credible verification basis is provided for a cross-mechanism cooperation scene.

Systems and techniques for trusted validation agent platform are described herein. A transaction is detected as potentially fraudulent based on user profile data of a user. A trusted validation agent is determined for the transaction using the user profile data. Remediation instructions are generated for the trusted validation agent using transaction data of the transaction. The remediation instructions are transmitted to the trusted validation agent. A disposition is determined for the transaction based on input received from the trusted validation agent. Transaction handling instructions are transmitted to a transaction processing system based on the disposition.

Systems and methods for processing cryptographic transactions within a decentralized node network using region-specific sub-tokenization. A processing system receives transaction requests containing transaction data, including source locations, destination locations, or transaction amounts. The processing system identifies a region corresponding to the provided geolocation data and generates a region-specific sub-token containing metadata related to the transaction. The processing system routes transaction requests to distributed nodes located within the identified region. These nodes locally validate transactions through consensus mechanisms and update region-specific ledgers. The processing system then synchronizes each updated region-specific ledger with a global ledger maintained across the decentralized network for secure, efficient, and verifiable region-specific transaction processing.

A system / process provides fault tolerance to an integrated component system which integrates core components of a transaction processing system into a single processing platform, i.e., a single server, enabling elimination of the network interconnects and associated latencies introduced thereby in favor of much faster interconnects, such as inter-process communication and shared memory communication messaging, where a failure of any one component necessitates failing over the entire system to a backup thereof.

The invention provides a real-time fraud detection method and system based on multi-modal fusion, and belongs to the technical field of financial transaction fraud detection.The method comprises the steps that firstly, payment behaviors, transaction texts and account behavior data are connected in series through a transaction event unique identifier, and a real-time multi-modal transaction data link is formed; generating an inter-modal fraud association link based on the inter-modal fraud association link; performing interactive operation to obtain cross-modal fraud intermediate features; constructing a transaction fraud tendency path according to a transaction link time sequence; and finally, analyzing the transaction fraud tendency path to determine a fraud association level, generating a fraud response instruction containing a transaction blocking instruction and risk notification content, and transmitting the fraud response instruction to a transaction processing system to terminate the transaction, so that multi-modal data can be comprehensively integrated, a transaction time sequence is considered, and the fraud detection accuracy and real-time performance are improved.

The present invention relates to a method for facilitating electronic transactions between transmitting bank entity and a receiving bank entity made by a user. The method involves receiving payment details from a user through a user interface and initiating a transaction request using these payment details by the transmitting bank entity. The transaction request is then transmitted to a receiving bank entity, which processes the request to determine transaction approval based on the provided payment details. The receiving bank entity subsequently sends a transaction response to the transmitting bank entity, indicating approval or denial of the transaction request, back to the transaction processing system. Finally, the user is notified of the transaction response via the user interface. Disclosed embodiments optimize and streamline the electronic transaction process, ensuring efficient and secure handling of payment details and transaction requests between bank entities.

The presently disclosed subject matter relates to detection and mitigation of financial fraud, and in particular to implementation of systems for training machine learning models in such systems. It involves self-labelling of fraud risk in a transaction processing system.

An implementation may involve: receiving, by an application launcher, a message on behalf of a client device; determining a server application based on the message and metadata, wherein the server application is associated with a path, wherein the path includes a set of steps, wherein each of the set of steps is respectively associated with program logic to perform a discrete set of functions, wherein a generate result step causes the server application to determine an outcome of executing the path, and wherein a handle request step causes the server application to provide, to an external service, a representation of a request related to the outcome; providing, by the application launcher, a client application to the client device; and executing, by an orchestrator, the path, wherein a context of the execution is written in a database between execution of at least some of the set of steps.

Tamper-proofing and secure identity validation techniques in a transaction processing system and secure electronic payment techniques are disclosed. A tamper-proof transaction processing device is provided and comprises at least two different strength adhesives to secure parts of the device together and a housing comprising at least a first and second protective layer. An electronic component comprising a secure element chip storing unique information relating to the chip is located between the first and second protective layer in the housing. In another aspect, a transaction processing system includes a payment instrument that is configured to approve only negative value and / or zero value transaction requests. Another aspect provides an identity card checking system and method where the identity card is brought into proximity of a data processing device and identity information is displayed on the screen of the data processing device for the period of time while the card is in proximity.

In a method of processing a cash transaction, a transaction processing system receives an account transaction request identifying a user account and a cash transaction to be carried out using a cash service machine (CSM). A set of CSMs available for processing the account transaction request is determined and a list of available CSMs is transmitted to the requesting user device. A request to process the transaction including an identification of a selected CSM is received the user device or the selected CSM. A unique authentication code is generated and transmitted to the processing requester. The transaction processing system receives from the non-process requester, an authentication request including a purported authentication code. The system then verifies that the purported authentication code matches the unique authentication code. Upon positive verification, the system transmits an instruction to the CSM to carry out a cash exchange according to the requested account transaction.

Described herein are pharmacy claim transaction processing systems and methods. A method for pre-approval of a prior authorization includes receiving a claim transaction message associated with a pharmacy claim transaction for a prescription that satisfies a prior authorization (PA) trigger condition, the message including a plan identifier and a prescriber identifier. The method includes querying a database with the prescriber identifier and plan identifier to access prescriber reference data, healthcare plan provisions, and jurisdictional regulations, as well as applying pre-approval rules to the prescriber reference data, healthcare plan provisions, and jurisdictional regulations, the pre-approval rules defining pre-approval conditions for pharmacy PAs. The method includes, when the pre-approval conditions are met, automatically appending an approval data element to the message to generate a PA approval message and transmitting the PA approval message. The method further includes writing a record to the database including whether the transaction satisfied the pre-approval conditions.

In one embodiment, a method includes receiving user identifying information in association with a checkout request for an order. The method includes determining that a user account with a transaction processing system associated with the user identifying information does not exist in a database associated with the transaction processing system. The method includes, subsequent to determining that the user account associated with the user identifying information does not exist, receiving payment information for the order from the user. The method includes concurrently receiving an order confirmation and authorization to create a new account with the transaction processing system corresponding to the user identifying information. The method includes facilitating authorization for the order. The method includes storing the received payment information in association with the user identifying information in the database.

A data transaction processing system includes a quarantine system that delays messages configured to accept a delay before being processed by the data transaction processing system. During periods of heavy network traffic, the imposed delay reduces network congestion by distributing / load leveling messages according to available computing resources. Separating messages over time also reduces the processing latency of the data transaction processing system. Messages that are routed and delayed through the quarantine system may be executed at a better transactional value than other non-delayed messages.

A system / process provides fault tolerance to an integrated component system which integrates core components of a transaction processing system into a single processing platform, i.e., a single server, enabling elimination of the network interconnects and associated latencies introduced thereby in favor of much faster interconnects, such as inter-process communication and shared memory communication messaging, where a failure of any one component necessitates failing over the entire system to a backup thereof.

A method is provided for processing micropayments. Micropayments are financial transactions involving relatively small financial amounts that can be difficult for conventional transaction processing systems to handle in a cost-effective and expeditious manner. The improved method uses a virtual micropayment account managed by a transaction processor. The limit of the virtual micropayment account may be adjusted with credit reduction requests and credit reset notices that are sent from the transaction processor to the issuer bank. The issuer bank may use the credit reduction requests and credit reset notices to adjust a temporary credit limit of the credit account from which the micropayments are to be made.

Systems, computer program products, and methods are described herein for operation continuity in decentralized exchange networks. The present disclosure is configured to monitor transaction requests, detect and respond to disruptions by rerouting transactions through alternative paths, and interface with a decentralized marketplace to ensure uninterrupted processing. Utilizing smart contract protocols for automated bidding, the system optimizes transaction flow, enhances user experience through real-time updates, and provides third parties with market insights derived from aggregated transaction data. This technology represents a advancement in transaction technology, offering a resilient and efficient alternative to traditional transaction processing systems.

An implementation may involve: receiving, by a web site, selection of a server application, wherein the server application is associated with a path, wherein the path includes a set of steps, wherein the set of steps is associated with program logic to perform a set of functions; receiving, by an application launcher, a request on behalf of a client device; determining, by the application launcher, the server application based on the request, and also based on metadata that relate to the server application and an operator of the web site; providing, by the application launcher, a client application to the client device, the client application configured to interact with the server application; executing, by an orchestrator, the path, wherein at least some of the set of steps include interaction with an external service, wherein a context of the execution is written in a database between execution of some of the steps.

Systems / methods which utilize machine learnt networks for efficiently proactively preventing an electronic data transaction processing system, such as an electronic trading system, from transitioning to an anomalous state which must be reverted, e.g., to unwind one or more processed transactions, or where further state changes must be restricted, e.g., by only allowing limited processing of subsequently received transactions, or prevented, e.g., the processing of subsequently received transactions is temporarily or permanently halted. Using a machine learnt network, the disclosed systems / methods are able to recognize both anticipated and unanticipated anomalous transactions which would result in an anomalous state reducing occurrence thereof and minimizing having to revert, pause or halt the electronic trading system while also minimizing the impact on the performance of the electronic trading system.

This invention discloses a transaction processing apparatus, a transaction processing system, and a storage medium, enabling smoother checkout for self-service customers. The apparatus registers transaction data related to the customer's transactions based on data received from a first terminal operated by the customer in the store. The apparatus generates a machine-readable code to retrieve the transaction data related to the customer operating the first terminal and the data related to the electronic settlement used by the customer. Based on the checkout instruction from the first terminal, the apparatus displays the machine-readable code on a second terminal used by the customer operating the first terminal. Based on the machine-readable code read by the reading unit, the apparatus retrieves the transaction data and electronic settlement data corresponding to the machine-readable code, and uses the electronic settlement data to process the payment of the settlement amount calculated from the transaction data.

A method and apparatus for performing economic nexus determination by a transaction processing system. The method may include accessing a plurality of transactions associated with a plurality of merchant systems processed by the transaction processing system over a period of time. The method may also include inferring a geographic location, from among a plurality of geographic locations, for each of the plurality of transactions based on one or more transaction parameters. Then, the method may include aggregating a total revenue per geographic location per merchant system based on the inference of geographic location determined from the one or more transaction parameters. For a merchant and for a geographic location for which said merchant has location based revenue within the geographic location, the method may include applying an economic nexus rule corresponding to the geographic location, and determining when the economic nexus rule corresponding to the geographic location is satisfied.

The present application provides a management method for a transaction processing system. The transaction processing system includes multiple participant nodes, each participant node stores a data partition, and each participant node is used to process multiple transactions. Among them, the data partition combination accessed by each transaction includes at least one data partition. The method includes: obtaining the number of transactions accessing each data partition combination within a period, and adjusting the storage of data partitions among multiple participant nodes according to the number of transactions accessing each data partition combination within the period. This method can reduce the number of participant nodes participating in the transaction, thereby reducing the number of interactions between the coordinator node and the participant nodes, shortening the latency of transaction submission, and improving the performance of transaction submission.

The invention discloses a block chain transaction data processing system convenient to maintain, which comprises a regional chain data transaction processing system, the regional chain data transaction processing system comprises a software operation system, a cloud system, a data processing system and an alarm system, and an alarm lamp is fixedly installed at the top of a bearing cabinet. The bearing plate is fixedly installed in the bearing cabinet through a connecting assembly, a plurality of connecting plates are slidably connected to the outer walls of the two connecting rails in a clamped mode, a locking assembly and a plurality of limiting assemblies are arranged between the connecting plates and the bearing cabinet, and the limiting assemblies are arranged between the bearing plate and the two connecting plates. Through cooperative use of the bearing cabinet, the bearing plate, the connecting assembly and the limiting assembly, the bearing plate is used for bearing and installing the data processing operation equipment, when the operation equipment is detected and maintained, firstly, limitation of the limiting assembly on the bearing plate is removed, and then the bearing plate can be pulled out from the interior of the bearing cabinet; therefore, subsequent disassembly and maintenance of the data processing operation equipment are facilitated.

A transaction processing method, apparatus and system, a storage medium and a program product, the method is applied to a transaction processing system, a first center in the transaction processing system comprises a TM, a first TC and a first RM, a second center comprises a second RM and a second TC, the method comprises: the second TC receives a first request from the second RM for requesting to create a branch transaction of a global transaction, the first request comprises first information used for indicating the identification information of the first TC and the identification information of the global transaction; the second TC sends a first registration message for requesting to register a branch transaction of the global transaction to the first TC based on the identification information of the first TC; the second TC sends a first response to the second RM, the first response comprises identification information of the branch transaction, and the identification information of the branch transaction is generated by the first TC or the second TC. And the second TC and the first TC cooperate with each other to complete registration of branch transactions, so that transaction processing in a multi-center scene is realized.

To enable reduction of persons to be deployed in a shop.SOLUTION: A transaction processing system of an embodiment includes image pickup means, recognition means, approval means, registration means, and payment means. The image pickup means picks up an image of a commodity placed at a place provided in a shop to obtain the image. The recognition means recognizes the commodity reflected in the image using the image obtained by the image pickup means. The approval means causes staff at a location other than the shop to check a recognition result obtained by the recognition means and the image used by the recognition means in order to obtain the recognition result and receives approval by the staff about the recognition result obtained by the recognition means. The registration means registers a transaction commodity based on the recognition result approved by the approval means. The payment means causes a purchaser of the commodity placed at the place to make a payment for the transaction commodity registered by the registration means.SELECTED DRAWING: Figure 7

A real-time transaction location system for quickly and conveniently locating an electronic transaction within a transaction processing system in real time. The real-time transaction location system includes a transaction location tool that is communicatively coupled to the transaction processing system. The transaction location tool can assign a unique search identifier to an electronic transaction received by the transaction processing system based on a received transaction identifier and an application identifier that identifies a processing application of the transaction processing system that is selected based on the format of an electronic message conveying the electronic transaction. The transaction location tool may include a user interface that facilitates real-time location of an electronic transaction within the transaction processing system using the unique search identifier.

In a system for verifying transactions, when a user with a portable communication device approaches a resource provider location, the portable communication device provides an indication of its proximity to the location to a transaction processing system. Subsequently, the portable communication device provides a universally unique identifier (UUID) of a base station of the resource provider to the transaction processing system, which generates a hash using the UUID and a primary account number (PAN) of a portable transaction device associated with the portable communication device. When the user transacts with the portable transaction device at the provider, the provider generates a separate hash from the UUID and the PAN and sends the hash to the transaction processing system. A match between the hashes is considered a positive indication that the transaction is not fraudulent and that the resource provider is in compliance with the system.

In one embodiment, a method includes receiving data associated with a first checkout of a first order, where the data comprises a user identifying information, determining that a user account with a transaction processing system associated with the user identifying information exists, determining that a biometric authentication for the user account is not registered with the transaction processing system, performing an alternative authentication with the transaction processing system, obtaining a unique biometric authentication registration challenge, obtaining an identifier of a credential for biometric authentications, a public key associated with the credential, and a first signature, where the first signature is the unique biometric authentication registration challenge signed by a private key associated with the credential, and sending a biometric authentication registration request comprising the identifier of the credential, the public key associated with the credential, and the first signature.

To prevent settlement processing from being performed when the settlement processing to be completed according to the operation of a customer in a terminal should not be performed.SOLUTION: A transaction processing system includes a terminal having acquiring means for acquiring a commodity code, and a settlement device for performing settlement of an amount based on the commodity code acquired by the acquiring means, and further includes selection means and first and second outputting means. The selection means selects whether to output the payment-related information or to perform settlement by the settlement device when the settlement is possible by the terminal on the basis of the information stored in the storage means and indicating whether the settlement is possible by the terminal. The first output device outputs information for settlement to the settlement apparatus when the settlement cannot be performed in the terminal or when the settlement is selected to be performed in the settlement apparatus. The second output means outputs the information on the payment when the output of the information on the payment is selected.SELECTED DRAWING: Figure 14

In accordance with an embodiment, a transaction processing system includes a user terminal, an authentication server, a payment server, and a receipt server. The receipt server manages receipt information regarding a transaction paid for by the payment server in association with a user's identifier acquired by the authentication server on the basis of biometric data input by the user terminal.