181 results about "User pays" patented technology

Provided herein are systems and methods for allowing mobile users to join a virtual line or queue for high demand tickets to an event. In an embodiment, users pay a small fee to join the virtual line or queue. After the users join the virtual line, the tickets to the event are allocated to the users in the virtual line based on an allocation policy set by the ticket distributor. After the allocation has been made, the users are notified of the allocation decision and each user that has been allocated a ticket is given an opportunity to purchase the ticket, e.g., within a purchase fulfillment period. In an embodiment, a user may purchase virtual tickets to join the virtual line or queue using his/her mobile phone/handset. In this embodiment, the user may be charged through his/her mobile carrier for the purchase of a virtual ticket.

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.

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.

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.

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.

The invention provides an internet intelligence crawling and recommendation system for the field of investment attraction. The system comprises an investment attraction intelligence acquisition module, an investment attraction intelligence analysis module, an investment attraction intelligence service module and a data storage module. The system crawls company information on medium web sites and social medium web sites with a web crawler technique; online information is filtered and recommended with a recommendation algorithm based on human monitoring and machine learning, and high-quality information in the target range of a user is recommended; intelligence recommendation analysis is automatically corrected according to the recommendation result of an auditor and the reading quantity of recommended information, so that the information crawling quality is higher in the future, and artificial intervention is reduced. Website information is crawled with the web crawler technique, searching results are filtered according to a filter rule set by the user, investment chances of various enterprises and high-tech enterprises in the industries and fields which the user pays attention to are acquired, and information is collected and provided for people who are responsible for investment attraction to serve as target traveling merchants for investment attraction.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.