Pre-Payment Schemes TRIZ Cases
- Filtered Spend Data Processing for Purse Expiration and Merchant Matching
Handles expired purse access and false merchant ID matches by combining contextual purse rules, authentication, and item categorization.
- Real-Time Transfer Processing With Automatic Resource Reallocation
Automatic checks on external resource accounts prevent threshold events during real-time transfers without constant user monitoring.
- Advance Payment Model for Cash-Positive Transaction Settlement
Interest-earning advances shift payment timing so customers and businesses can settle from a cash-positive position with lower financial strain.
- Checkout-Assembled Gift Card Components for Secure PIN Activation
Separate card and sleeve barcodes are scanned at checkout to pair a hidden PIN with the card and prevent retail tampering.
- Subscription Transaction Detection for Temporary Payment Blocks
ML identifies recurring subscription charges so users can pause or cancel them through their bank app without dealing with merchants.
- Fuel Redemption Volume Derivation for Price-Stable Commodity Accounts
Autonomous fuel volume derivation links transaction amount, pump price, and location to secure advance fuel purchases against price volatility.
- Commodity Redemption Volume Derivation for Locked-In Fuel Pricing
Prepaid fuel purchases are matched to live pump prices and locations to derive redemption volume securely across retailers while limiting fraud.