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182 results about "User pays" patented technology
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User pays, or beneficiary pays, is a pricing approach based on the idea that the most efficient allocation of resources occurs when consumers pay the full cost of the goods that they consume. In public finance it stands in opposition to another principle of "ability-to-pay," which states that those who have the means should share more of the burden of public services. The ability-to-pay principle is one of the reasons for the general acceptance of the progressive income tax system.
System and Method for Mobile Virtual Mobile Ticketing
Owner:EMOTIVE COMM
System, computer program product and method for managing bills issued from application service providers
ActiveUS20050246272A1Verify accuracyFinancePayment architectureApplication service providerDocumentation
A method, system and computer program product for managing bills issued from applications service providers (ASPs). The method on which the system and computer readable medium are based includes receiving an ASP service request from a remote user, forwarding the ASP service request to an ASP, receiving a service bill from the ASP, and incorporating the service bill into a unified bill and issuing the unified bill to the remote user. Calculating the ASP fee may include determining a discount offered by the ASP. The discount offered by the ASP may be determined on a customer by customer basis or based on a volume usage of a document management system providing access to the ASP for a plurality of users. The accuracy of the service bill from the ASP may be verified, and a discrepancy between a calculated fee and the billing amount may be determined, and negotiations undertaken with the ASP to resolve the discrepancy. Whether the user pays the bill issued may also be monitored.
Owner:RICOH KK +1
Commodity recommendation method and device
InactiveCN107247759ASolve inaccurateCustomer communicationsBuying/selling/leasing transactionsPersonalizationPurchasing
The invention relates to the technical field of personalized recommendation, in particular to a commodity recommendation method and device. The method includes: acquiring the historical purchasing records of a user according to the user information of the user; determining the selling areas which the user pays attention to; displaying recommended commodity information on the display area of a selling cabinet according to the historical purchasing record and the selling areas. By the method, the commodity recommendation method based on the selling cabinet is enriched, the commodity information recommended to the user meets the real-time requirements of the user, the recommendation results are accurate, and user experience is improved.
Owner:SHENZHEN GENUINE INNOVATIVE TECH CO LTD
Using mobile devices to make secure and reliable payments for store or online purchases
Payment systems currently in vogue (credit / debit cards) use a form of identity applicable only to a specific payment network (card number). This prevents the aggregation of one's payment options, and exposes the sensitive account information to the relatively insecure parts (merchant locations) of the transaction chain.This invention introduces an alternative platform for payments by aggregating the different identities under one. It proposes to use one's cellphone number as that identity. A set of configurable rules defined by the user let him / her choose the appropriate method of payment at the point of sale. The invention is a set of software and hardware components that work together to create a secure, robust and easy-to-use payment system. It also allows for fraud detection at the time it is being committed.The advantage of this system is that it lets the users pay for their purchases only using their mobile phone.
Owner:JOHRI RAJUL
Method and apparatus for a no pre-set spending limit transaction card
A method and apparatus are provided for a no pre-set spending limit transaction card with features and attributes of both a credit card and a charge card, including an overlimit spend feature and an associated communicated line of credit. The transaction card may carry a balance like a credit card and may require that a card user pay down the balance carried forward to the line of credit subsequent to the end of each billing cycle. When the user has reached or exceeded the communicated line of credit, each subsequent transaction request for a new transaction by the user is evaluated on a case-by-case basis by a process that includes execution an overlimit spend authorization logic or process.
Owner:LIBERTY PEAK VENTURES LLC
Self-service insurance method and insurance self-service teller suitable for same method
InactiveCN106127587AEasy to useImplement queryFinanceApparatus for meter-controlled dispensingDisplay deviceCard reader
The invention relates to a self-service insurance method and an insurance self-service teller suitable for the same method. The method is characterized in that the self-service teller sends an insurance scheme customized by a user to an insurance service network, insurance management systems of multiple insurance mechanisms accessed to the network make offers, and after the user selects an insurance mechanism, the user pays insurance premium through the self-service teller or other modes to obtain an insurance policy. The self-service teller mainly comprises a card reader, a touch screen, buttons / a keyboard, a display, a printer and a host. The invention enables the user to achieve insurance, renewal of insurance, payment, insurance policy printing, querying and the like on the self-service teller, so that the user is greatly facilitated, the cost of the insurance industry is reduced, and the efficiency is improved.
Owner:焦文华
Internet intelligence crawling and recommendation system for field of investment attraction
PendingCN106960063AWide coverageSatisfy needsWeb data indexingSpecial data processing applicationsSocial mediaWeb crawler
Owner:广州优亚信息技术有限公司
Method for completing an electronic commerce transaction based on a virtual coin flip
InactiveUS20060211482A1Realistic wagering environmentEdge on competitorApparatus for meter-controlled dispensingVideo gamesShopping basketThird party
Methods for completing an electronic commerce transaction based on at least one virtual coin flip. Users of electronic commerce place items for purchase in shopping carts and provide payment information, they may pay for or possibly wager for the items with coin flip(s). In cases where the where a user properly predicts correct coin flip result(s), the user receives items without charge. If not, the user pays for the items (or a portion of the items if more than one coin flip prediction is made). A user may challenge another user during checkout and wager the cost of one shopping basket against the other. A wagering fee may deducted by a third party during the transaction. The third party, which may be a different entity than the shopping entity may be awarded a commission by the shopping entity that equals a percentage of the items wagered on.
Owner:PIMIENTA FERNANDO +1
Inexpensive computer-aided learning methods and apparatus for learners
InactiveUS7201580B2Easy accessIncrease freedomData processing applicationsDigital computer detailsUser inputStudy methods
A computer-aided learning method and apparatus for a learning user to learn materials inexpensively. Not only does the apparatus provide the user the freedom as to where and when to learn, and the guidance as to what to learn, the apparatus also reduces a significant hurdle to learning—Tuition. The apparatus retrieves a user identifier entered by the user, and determines whether the user is a learning user or an institute user. If the user is a learning user, the apparatus allows the user to access information regarding learning materials. If the user is an institute user, the apparatus permits the user to access information regarding at least one learning user. The institute user might be interested to use the apparatus to recruit employees to fill job openings. A learning user pays significantly less than an institute user to access information, so as to encourage the learning user to work on learning materials. The apparatus can also track and update information regarding the users.
Owner:IPLEARN
Method for realizing mobile payment in mobile internet sales
InactiveCN101853458ASimplify the payment processConvenient paymentPayment architectureSmart cardClient-side
The invention discloses a method for realizing mobile payment in mobile internet sales, which comprises that: firstly, a user installs a payment client with a mobile phone with a financial IC card bound with bank card information; secondly, a mobile payment platform receives a shopping order after the user shops on a mobile internet sales platform and transmits a shopping bill through the payment client, and the user pays the shopping bill on the mobile phone; thirdly, the payment client realizes the payment and then transmits payment information to the mobile payment platform; fourthly, the mobile payment platform checks the payment information and then transmits the payment information to the mobile internet sales platform; and finally, the mobile internet sales platform transmits a payment success message to the mobile payment platform and the user to finish the payment. The method has the advantages of simplifying a payment flow in a mobile internet sale mode, enabling the user to conveniently and fast finish payment operation or find a paying agent, making secure the operation process, realizing timely payment anytime anywhere and avoiding risks in capital.
Owner:成都中联信通科技股份有限公司
System and method for realizing mobile payment in internet sales
InactiveCN101840549ASimplify the payment processConvenient paymentCommerceWireless communicationSmart cardClient-side
The invention discloses a system and a method for realizing mobile payment in internet sales. The method comprises the following steps that: a user installs a payment client by using a mobile phone which is provided with a financial smart card bound with bank card information; a mobile phone payment platform receives a shopping list after the user shops on an internet sales platform; the mobile phone platform sends a shopping bill through the payment client; the user pays on the mobile phone; the payment client sends the payment information to the mobile phone payment platform after the realization of payment; the mobile phone payment platform sends the payment information to the internet sales platform after checking; and finally, the internet sales platform sends a successful payment message to the mobile phone sales platform and the user, so the payment is finished. Due to the adoption of the system and the method for realizing the mobile payment in the internet sales, the payment process in an internet sales mode is greatly simplified; a user can conveniently and quickly perform remote payment operation; the operation process is very safe; the user can ask others to pay instead at will, so the user or a paying agent can conveniently and quickly pay by using the mobile phone no matter where the user or the paying agent is.
Owner:成都中联信通科技股份有限公司
System and method for paying down debt using an equity loan revolving line of credit
ActiveUS20050060257A1Maintain current monthly expenseFinancePayment architectureUser paysData science
A loan system program comprises a loan account having a loan principal on a purchased item, and a secondary account used to pay the amortized interest on the loan principal. A user deposits, such as through automatic deposit, user payments directly into the loan account, thus paying down the loan principal. The user then uses the secondary account for personal expenses that would otherwise be met by the deposited user payments. At the end of the month or grace period, the user pays off the monthly interest on the loan account with the secondary account. The lender than raises the loan balance of the loan account to cover the secondary account balance. At least a portion of the next user deposit to the loan account covers the raise loan balance, and another portion is used to pay down the loan principal.
Owner:RAMSDEN INC
Micro-blog recommendation method based on user characteristics and network relations
InactiveCN103617289AImprove accuracyData processing applicationsSpecial data processing applicationsMicrobloggingNetwork topology
Owner:北京交通大学长三角研究院
Method for automatically adjusting webpage and system
InactiveCN102314436ADigital data information retrievalSpecial data processing applicationsHuman–computer interactionWeb page
Owner:INT BUSINESS MASCH CORP
Promoting A Web Technology Through A Virtual Service Marketplace
InactiveUS20090070235A1Cost effectiveIncrease awarenessFinanceComputer security arrangementsWeb siteWorld Wide Web
Disclosed herein is a computer implemented method and system for promoting a web technology through a virtual service marketplace. Online tools are provided on a host website for creating a project website. The host website comprises the virtual service marketplace. A user defines a project and proposes the project to multiple consultants in the virtual service marketplace. The consultants bid for the proposed project in the virtual service marketplace. Core controlling factors set by the user during project definition are synchronized with core controlling factors set by the project consultant. The user selects a project consultant based on the synchronization. The selected project consultant creates the project website using the online tools. The user pays the selected project consultant for creating the project website. The presence of the virtual service marketplace promotes the web technology and the growth in numbers of users and consultants familiar with the web technology.
Owner:METABYTE
Data processing realization method and system of intelligent community
InactiveCN106530039ASolve the problem of cumbersome leasing processClear graspBuying/selling/leasing transactionsMarketingElectricityElectricity meter
The present invention provides a data processing realization method and system of an intelligent community. According to the method, users can select the satisfying rental houses by the simple single-click operations and bind the login accounts of the users and the rental room numbers, thereby effectively solving the problem that the current renting process is tedious. Meanwhile, according to the present invention, by reading the water meters, the electricity meters and the monthly rents of the users real-timely, the users and the landlords can grasp the renting situations clearly. Further, according to the present invention, by setting a bill deadline day, when the users do not pay the rents within the appointed deadline, the system automatically closes the water valves and the switches, stops the broadband services and enables the secret keys of the intelligent terminals to lose efficacy, only after the users pay the rents, the water and electricity supply and the broadband connection can be recovered, and the electronic secret keys are activated. According to the scheme of the present invention, the tenants can be managed effectively and standardly, and further, the full automation of the whole renting process of looking for houses, renting houses, payment, moving houses and check-out is realized.
Owner:深圳诺必塔投资有限公司
Method and system for collecting TV fee by virtue of cellphones
InactiveCN101562659ASimplify payment operationsLower barriers to entryAccounting/billing servicesSpecial service for subscribersComputer scienceUser pays
The invention belongs to the field of combination of computer and communication technique, and provides a method a system for collecting TV fee by virtue of cellphones. The method comprises the following steps of: binding a cellphone number, ordering vale-added service, calling authentication information and executing authentication, and deducting the fee by the system and providing the value-added service if the authentication is successful. In the invention, the user pays the TV fee by binding the cellphone number, the payment operation is simple, and the user can audit or pay in real time, thus increasing user experience; simultaneously, as the fee can be deducted in real time, the operation risk of operators is reduced, and the occurrence of bad debt and dead debt can be effectively prevented.
Owner:SHENZHEN LONG VISION
Method for shopping by using terminals, supermarket processing system and terminal
The invention discloses a shopping method with the application of a terminal, a supermarket processing system and a terminal thereof, in order to save a large amount of manpower resource and material resource for a shopping place and ensure the more efficient shopping process. The method comprises the following steps: firstly, a user scans the bar code of a commodity the user wants to buy througha terminal with infrared scanning function, an initial shopping list composed of bar code data and commodity number is generated in the terminal, and the initial shopping list is sent to a supermarket processing system by a short message; secondly, the supermarket processing system searches the database according to the bar code data and the commodity number to form a detailed shopping list, and then returns the detailed shopping list back to the user through a short message; thirdly, the user pays the commodities after confirming the detailed shopping list; and fourthly, after confirming thepayment of the user, the supermarket processing system extracts the paid commodities in the detailed shopping list.
Owner:安盟鑫(江苏)办公用品有限公司
Service method for guidance in hospital
InactiveCN107273674AImprove automationImprove completenessReservationsChecking apparatusPharmacyUser input
The invention discloses a service method for guidance in a hospital. The method comprises the following steps that l, a user inputs registration information in a hospital self-service registration terminal, registration queuing information is obtained, and the user goes to the position, where fewest people queue up for pre-reception, of a clinic doctor's office to queue up for reception according to an assigned navigation route; 2, a clinic doctor calls numbers for reception and sends drug bill information to a user mobile hand-held terminal and a hospital comprehensive control terminal; 3, the user pays the fees online, the comprehensive control terminal succeeds in charging and then synchronously sends the drug list information to a pharmacy information management terminal, and pay for success feedback information two-dimensional code identification and the navigation route from the clinic doctor's office to a pharmacy are sent to the mobile hand-held terminal; 4, the user goes to the pharmacy to take drugs. Accordingly, the process guidance and navigation route can be provided for clinic clients in the hospital in time, the automation and intelligence degrees are high, and the clinic efficiency is improved.
Owner:四川鸣医科技有限公司
Complex payment system using a portable terminal, and complex payment method
ActiveCN103765452AWon't leakGet Automatic DiscountsDiscounts/incentivesCredit schemesCredit cardComputer science
Owner:HAREXINFOTECH INC
System and method for paying down debt using an equity loan revolving line of credit
ActiveUS7254556B2Maintain current monthly expenseFinancePayment architecturePersonal ExpendituresUser pays
A loan system program comprises a loan account having a loan principal on a purchased item, and a secondary account used to pay the amortized interest on the loan principal. A user deposits, such as through automatic deposit, user payments directly into the loan account, thus paying down the loan principal. The user then uses the secondary account for personal expenses that would otherwise be met by the deposited user payments. At the end of the month or grace period, the user pays off the monthly interest on the loan account with the secondary account. The lender than raises the loan balance of the loan account to cover the secondary account balance. At least a portion of the next user deposit to the loan account covers the raise loan balance, and another portion is used to pay down the loan principal.
Owner:RAMSDEN INC
Method and apparatus for business info provider-based advertising in a local search market
An online local search system and method utilizes local business info providers to enter and update business information related to local businesses. The online local search system and method uses a territorial listing concept with an optional reservation stage, an editing stage, and a pending stage to reduce overlapping listings and promote robust update of business information. The online local search system and method also uses a territorial advertising concept, which allows a business info provider with more business listing entries to capture a larger portion of pay-per-user-interest (e.g. pay-per-click, pay-per-impression, pay-per-action, and etc.) profits based on in-category or out-category advertising on the online local search system.
Owner:HUANG EVAN S
Verification method and verification device
The invention provides a verification method to limit the repeated login with the same user name in multiple applications of the B / S architecture, including: after the user logs on the system with an account, the login server generates the first login information ID corresponding to the account for the user; when other users log on using the same account, the login server generates the first login information ID corresponding to the account and sets it as the invalid first login information ID; and when the original user pays another visit to the mentioned system, the system verifies the first login information ID through the mentioned login server, and determines whether the account has been logged on in other places according to the validity of the first login information ID. The verification method of this invention can limit the simultaneous system login by multiple users using the same account and can protect the interests of the service operator.
Owner:YONYOU NETWORK TECH
Voice and context recognition for bill creation
Methods and systems for facilitating payment of a bill are described. The methods use voice and context recognition to create an inventory of items for a specific user. When it is time to split the bill among a group at a table, each user is apportioned their share of the bill based on their inventory so that each user pays for what they ordered. The users may decide to split the bill differently, such as equally among themselves.
Owner:PAYPAL INC
Quick refueling payment method based on WeChat Payment
The invention discloses a quick refueling payment method based on WeChat Payment. The quick refueling payment method comprises the following steps of: a user edits a refueling order form through a WeChat client side, and pushes the refueling order form to a refueling payment platform; after the vehicle of the user enters a gas station, a vehicle identification system identifies the license plate of the user, and the refueling order form edited by the user is pushed to a refueling machine; after the vehicle reaches the refueling machine, an oil supplier checks and verifies the refueling order form on the refueling machine, and can carry out refueling after the refueling order form succeeds in being verified; and after refueling is finished, the WeChat client side of the user automatically generates a refueling payment order form, and the user pays through a third-party payment system associated with the WeChat client side. By use of the quick refueling payment method, remote order placing is realized, the user can easily pay through a mobile terminal after the user places an order and finishes refueling, a traditional person-to-person cash transaction way is avoided, the time and the vigor of the user are saved, a phenomenon that the gas station is in a jam during rush hours is greatly alleviated, the service level of the gas station is improved, and the working efficiency of the gas station is improved.
Owner:PETROCHINA CO LTD
Parking space charging management system of -new energy vehicle and -working method thereof
InactiveCN108973717AReduce waiting costsGuaranteed to completeElectric vehicle charging technologyVehicular energy storageNew energyEngineering
The invention discloses a parking lot charging management system of a new energy vehicle, which comprises a main control terminal, a charging pile, a vehicle body, a parking lot body and a mobile phone terminal. The vehicle body comprises a communication module, an appointment information sending module, a charging pile position display module and a parameter module. The charging time period of each reserved vehicle and the position and route of the charging stake displayed on the charging stake position display module are allocated to determine the time for the user and reduce the waiting cost of the user; The user pays the fee on the mobile phone terminal, if no fee is paid, the self-locking module is continuously enabled, the road gate module is in a closed state, and the vehicle cannotleave, so as to ensure the completion degree of the fee payment; Users with low credit degree will need longer waiting time, while those with high credit degree will need shorter waiting time, whichimproves the specifications of users.
Owner:WUHU SUNYANG INFORMATION CONSULTATION
Order payment method and apparatus
InactiveCN106204046AProtection securityImprove securityProtocol authorisationInternet privacyPayment order
The invention discloses an order payment method and apparatus. The method comprises the following steps: obtaining identity account information of payment users paying orders; obtaining current physical identity information of the payment users; and when it is confirmed that the current physical identity information satisfies set requirements according to the identity account information, paying the orders. In the technical scheme, authentication on the physical identity information is added in a payment process, such that the security of accounts and payment cards of the payment users is further protected, the network payment security is improved, the probability that the accounts of the users are stolen is also further reduced, and financial transaction risks are reduced.
Owner:BEIJING XIAOMI PAYMENT TECH CO LTD
User authentication apparatus and method for POS system
InactiveUS20150161580A1Still image data indexingPoint-of-sale network systemsCredit cardComputer hardware
The present invention relates to a technology which acquires a face image of a user through a camera installed in a signature pad when a user pays with a payment card such as a credit card or check card in a shop, estimates the sex and age of the user based on the face image, and perform user authentication based on the estimation result. Thus, when such a technology is used, it is possible to distinguish a stolen or lost payment card or a payment card used by an unauthorized person, thereby preventing a financial accident.
Cinema system based on virtual reality helmet and film watching method
InactiveCN106843471AWatching is comfortable and convenientImprove viewing qualityInput/output for user-computer interactionPayment architectureTime schedulePayment transaction
The invention discloses a cinema system based on a virtual reality helmet and a film watching method. The cinema system comprises a virtual reality helmet, a cloud server, and a payment transaction platform; the cloud server is used for storing movie names and corresponding movie timetables, wherein the copyrights of the movies are purchased and the movies are on show in entity cinemas; the virtual reality helmet is used for obtaining and providing the movie names and the corresponding movie timetables for a user, and linking to the payment transition platform for the user to pay watching fee of a chosen movie when the user chose a movie and a corresponding movie timetable; after the user pays the watching fee for the movie and the corresponding movie timetable, the movie for which the user paid watching fee is played. Therefore, the user can comfortably and conveniently watch the newest movies that are on show in the entity cinemas without leaving the house, and the virtual reality helmet plays movie information with corresponding visual angle according to the pupil position of the user, the user can chose watching visual angles freely, and the movie watching quality is improved.
Owner:GEER TECH CO LTD
Method and system for implementing called payment service and called payment processor
InactiveCN1905596AEasy to useSpecial service for subscribersPrepayment telephone systemsUser paysPayment processor
The invention discloses a method for implementing called payment service, comprising: network side receives call request of a calling user, where called number comprises called payment service access code and called user number, changes calling number into calling user number comprising called payment service access code, changes the called number into called user number, and switches the call to called user terminal according to the changed called number. And it also discloses a system for implementing called payment service, comprising: calling switcher, called switcher and called payment processing unit. Besides, it discloses a called payment processing device, comprising: calling-party call switching unit, called party call switching unit, and calling / called number converting unit. And it can make any telephone user pay expenses for a calling user.
Owner:HUAWEI TECH CO LTD
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