114 results about "Transaction processing system" patented technology

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.

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 / 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.

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 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.

According to an embodiment, a transaction processing system includes a point-of-sale apparatus to process the registration of items in a sales transaction at a store, a monitoring system to detect fraud acts in the sales transaction, and a gate device on an exit lane on which a customer passes after finishing the sales transaction. The transaction data generated for the sales transaction indicates whether fraud has been detected in the sales transaction. The gate device identifies the sales transaction of the customer about to pass through the exit lane, determines whether the transaction data indicates that at least one fraud act has been detected in the sales transaction, and causes an alarm notification to be output when the transaction data indicates at least one fraud act in the sales transaction has been detected.

Techniques are disclosed for automatically generating and updating a control group. In disclosed techniques, a server computer system trains, using a plurality of transactions, a machine learning model. During training the machine learning model learns a feature distribution of both a current set of control group (CG) transactions and a current set of non-control group (non-CG) transactions included in the plurality of transactions. The system inputs the current set of CG transactions into the trained machine learning model. Based on the output of the trained machine learning model for the current set of CG transactions, the system modifies the current set of CG transactions to generate an updated set of CG transactions. Based on the updated set of CG transactions, the server performs one or more preventative measures for a transaction processing system. The disclosed techniques may advantageously improve the accuracy e.g., of a transaction processing system.

To improve the convenience of accounting for users. [Solution] The transaction processing system comprises a registration machine, an information processing device, and an accounting machine. The registration machine comprises a transmission means. The transmission means transmits the input user information and unaccounted transaction information based on product registration to the information processing device. The information processing device comprises a receiving means and a management means. The receiving means receives the user information and the unaccounted transaction information from the registration machine. The management means manages the unaccounted transaction information in association with the user information. The accounting machine comprises a transmission means, a receiving means, and an accounting means. The transmission means transmits the input user information to the information processing device. The receiving means receives the unaccounted transaction information associated with the user information from the information processing device. The accounting means processes the accounting of the transactions related to the unaccounted transaction information.

Dynamic timers are determined using machine learning. The timers are used to control the amount of time that new data transaction requests wait before being processed by a data transaction processing system. The timers are adjusted based on changing conditions within the data transaction processing system. The dynamic timers may be determined using machine learning inference based on feature values calculated as a result of the changing conditions.

To enable a shop clerk to efficiently assist a customer with a self-service operation.SOLUTION: A transaction processing device includes a first display unit, a second display unit, and a control unit. The first display unit displays a first image that accepts an input operation performed by a customer. The second display unit displays a second image having the same content as the first image displayed on the first display unit and that accepts an input operation performed by a shop clerk. The control unit does not accept the input operation for the first image displayed on the first display unit, accepts the input operation performed by the shop clerk for the second image displayed on the second display unit, and causes the first display unit to display a trajectory of the accepted input operation.SELECTED DRAWING: Figure 13

A transaction evaluation system may include a configurable and / or scalable transaction rate input model which models historical and / or recent transaction input rate patterns of a transaction processing system for a specified time period with configurable and / or scalable transactional amplitude for use in evaluating performance of the transaction processing system. The system may operate to inject particular volumes of transactions into the transaction processing system at specific times and / or periods of time.

This allows for the management of transactions with customers who have not been assigned an identifier in advance. [Solution] The transaction processing system of the embodiment comprises a registration means, a first acquisition means, a query means, a second acquisition means, and a generation means. The registration means registers the details of a transaction with a customer. The first acquisition means acquires the customer's biometric information. The query means queries the conversion processing device for the biometric information acquired by the first acquisition means. The second acquisition means acquires an identifier notified by the conversion processing device as a response to the query by the query means. The generation means generates transaction data that represents the details of the transaction registered by the registration means and includes the identifier acquired by the second acquisition means.

In the disclosed transaction processing system, members of an authorized network of consumers and merchants manage account information using blockchain ledgers. Because both consumers and merchants maintain copies of the blockchain, for any consumer / merchant transaction, both entities can quickly validate the transaction because both are aware, via their blockchain entries, of the current status of the account sourcing the transaction, allowing fast and accurate transaction validation without the need to incur the processing charges inherent in traditional fiat currency credit transactions.

The application relates to the technical field of transaction processing systems, and particularly discloses a trusted monitoring and auditing system integrating a TEE and a blockchain, which comprises the following steps: generating a transaction instantaneous state digest containing a key information field at a key node of a business process through a trusted execution environment, signing the transaction instantaneous state digest, anchoring a hash value of the transaction instantaneous state digest to a blockchain network, and storing the signed digest off-chain; and when auditing, verifying the integrity of the hash on the chain and the off-chain digest and the TEE signature, so as to realize double authentication of transaction authenticity and environment reliability. Through the collaborative architecture of the TEE and the blockchain, the application deeply integrates the transaction core data state and the trusted environment proof, so that the auditing verification can be independently completed without relying on a centralized database, and the problem of relying on the log credibility in the traditional auditing is fundamentally avoided, and a lightweight trusted verification basis is provided for cross-institution cooperation scenarios.

Dynamic timers are determined using machine learning. The timers are used to control the amount of time that new data transaction requests wait before being processed by a data transaction processing system. The timers are adjusted based on changing conditions within the data transaction processing system. The dynamic timers may be determined using machine learning inference based on feature values calculated as a result of the changing conditions.

The application discloses a multi-blockchain cross-chain transaction processing system and method, and belongs to the technical field of blockchain transaction processing; all the data of all nodes on the main chain and all nodes on each sub-chain during operation are monitored and pretreated, so that the running state of the main chain and each sub-chain can be accurately and efficiently evaluated and regulated subsequently; the overall state of the transaction is evaluated by simultaneously considering the traffic, online users and online duration during the transaction, and it is judged whether the overall state of the transaction will affect the operation of the main chain; the application is used for solving the technical problem that the multi-blockchain cross-chain transaction is not comprehensively monitored and evaluated in the prior art, and the overall effect of the multi-blockchain cross-chain transaction processing and regulation is poor.

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.

The application provides an input method of identity in a payment process and related equipment, which can be used in the field of payment processing. The method comprises the following steps: receiving an input request of an identity sent by a client, and generating multiple pictures and associated indexes; sending the pictures and the associated indexes to the client, receiving an input position and a value of a selected picture sent by the client; determining a picture name corresponding to the selected picture according to the value, and determining an index value corresponding to the picture name; determining each number input by the user on the client according to each index value, combining each number according to each input position to obtain the identity, and associating the identity with a transaction serial number of the transaction between the client and the client for use by a transaction processing system. In the application, the triple mapping of the user-selected picture, the index value and the array associated with the index realizes the safe input of the identity by the user, and improves the security of the payment.

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.

To reduce a burden on an attendant to deal with a misbehavior of a customer.SOLUTION: A transaction processing system of an embodiment includes a gate device located facing a lane where a customer passes after completing a transaction at a shop, and comprises: processing means, detecting means, generating means, specifying means, determining means, and alerting means. The processing means processes a transaction with a customer according to a behavior of the customer within the shop. The detecting means detects fraudulent behavior of the customer. The generating means represents the content of the transaction processed by the processing means, and generates transaction data that enables determination of whether fraud has been detected with respect to the transaction. The specifying means specifies the transaction of the customer who is going to pass through the lane. The determining means determines whether fraud has been detected with respect to the specified transaction based on transaction data generated with respect to the transaction. The alerting means issues an alert in response to determining that the fraud has been detected.SELECTED DRAWING: Figure 9

Described herein are a system and techniques for updating balance information for a disbursement module on a portable device using a transaction module on that same portable device. In some embodiments, each of the transaction module and the disbursement module may be associated with a different transaction processing system. A client device may be used to interact with the transaction module of the portable device via a communication element. In some embodiments, the client device may be configured to receive an account identifier from the transaction module, generate and transmit an authorization request message to an authorization entity, and upon receiving authorization from the authorization entity, cause the transaction module on the portable device to update a balance associated with the disbursement module.

The present disclosure discloses a system (100) and method (200) for secure transaction processing. The system (100) comprises a payment application (102), a memory (106), and a transaction server (108) hosting the application (102). The application (102) facilitates a registered user to generate a request for initiating a payment transaction. The memory (106) stores a list of identifiers associated with registered users and registration details corresponding to each user. The transaction server (108) generates a first one-time verification code / PIN based on the transaction request and sends it to the application (102). The transaction server (108) receives a second verification code / PIN via a second user interface (20), compares the two codes / PINs, and sends transaction data to the issuing bank (30) of the first user, via an acquirer bank (40), for the completion of the payment transaction when the codes / PINs match. The system (100) enables users to carry out payment transactions without entering their sensitive financial accounts.

A transaction processing method and system provides travel planning and booking workflows, typically in the form of curation, display and automated transacting of travel packages. Users interact with the service at least in part leveraging Al chat-based functions, and the system is configured and implemented to support very large numbers of concurrent search and retrieval operations in a highly-scalable, highly-available and highly-reliable performant manner. In one embodiment, a virtual search paradigms. One such paradigm enables users to shop in a distinct manner, sometimes referred to herein as a "destinationless search."