公开(公告)号：US12131639B2

公开(公告)日：2024-10-29

申请号：US18418262

申请日：2024-01-20

申请人： Matthew Roy

发明人： Matthew Roy

IPC分类号： G08G1/00 ,  B60W30/06 ,  G05D1/00 ,  G05D1/02 ,  G05D1/661 ,  G06Q20/22 ,  G08G1/0967 ,  G08G1/14 ,  G08G1/16 ,  H04W4/46

CPC分类号： G08G1/096791 ,  B60W30/06 ,  G05D1/0225 ,  G05D1/661 ,  G06Q20/223 ,  G08G1/14 ,  G08G1/143 ,  G08G1/146 ,  G08G1/16 ,  H04W4/46

摘要： A computing device for navigation of a vehicle, the computing device comprising a processor and a display screen presenting a map showing multiple routes for navigating to a destination. The display screen also presents prices and travel times for the multiple routes. Responsive to a user selection of one of the multiple routes, the processor cooperates with a radiofrequency data transceiver to communicate with one or more other vehicles or with a central server to negotiate a traffic reprioritization for a user-selected route to the destination.

公开(公告)号：US12131310B2

公开(公告)日：2024-10-29

申请号：US18320294

申请日：2023-05-19

申请人： Worldpay, LLC

发明人： Thomas E. Rafferty ,  Bryan T. Bailey ,  Christopher S. Postell

IPC分类号： G06Q20/34 ,  G06Q20/20 ,  G06Q20/22 ,  G06Q20/28 ,  G06Q30/06

CPC分类号： G06Q20/342 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/227 ,  G06Q20/28 ,  G06Q30/06

摘要： Systems and methods for processing payment transactions using combination payment cards. The combination payment card is associated with an open-loop account and one or more closed-loop accounts. Transaction information is received from a point-of-sale device. At least one of the closed-loop and open-loop account is debited.

公开(公告)号：US12131307B2

公开(公告)日：2024-10-29

申请号：US17673209

申请日：2022-02-16

申请人： Discover Financial Services

发明人： Purvag Patel ,  Zizhao Gong ,  Ashley Kocanda ,  Eric Hwang ,  Sanjeev Khatri ,  Subhrajyoti Mukhopadhyay

IPC分类号： G06Q20/10 ,  G06Q20/22 ,  G06Q20/32

CPC分类号： G06Q20/223 ,  G06Q20/102 ,  G06Q20/3274

摘要： An example computing platform is configured to receive a request from a first user account of a first P2P payment service that a cross-service transaction be initiated with another user account of another P2P payment service. Based on the request, the computing platform generates a transaction identifier for the transaction and sends the identifier to the first P2P payment service's platform. Thereafter, the computing platform receives, from a second P2P payment service's platform, the transaction identifier and an identifier of a second user account of the second P2P payment service and responsively determines that the cross-service transaction comprises a transfer of funds between a first financial account associated with the first user account and a second financial account associated with the second user account. The computing platform then selects and causes a given payment rail platform to transfer funds between the first and second financial accounts.

公开(公告)号：US12126648B2

公开(公告)日：2024-10-22

申请号：US17845049

申请日：2022-06-21

申请人： Visa International Service Association

发明人： Quan Wang

IPC分类号： H04L29/06 ,  G06Q20/22 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/38 ,  H04L9/14 ,  H04L9/30 ,  H04L9/32 ,  H04L9/40 ,  H04W12/108 ,  H04W12/0431 ,  H04W12/069 ,  H04W12/122 ,  H04W12/47 ,  H04W12/60

CPC分类号： H04L63/1466 ,  G06Q20/223 ,  G06Q20/32 ,  G06Q20/352 ,  G06Q20/38215 ,  H04L9/14 ,  H04L9/30 ,  H04L9/3213 ,  H04L9/3247 ,  H04L63/06 ,  H04L63/062 ,  H04W12/108 ,  H04L63/0823 ,  H04L2209/56 ,  H04W12/0431 ,  H04W12/069 ,  H04W12/122 ,  H04W12/47 ,  H04W12/66

摘要： Embodiments of the invention are directed to the utilization of trust tokens to perform secure message transactions between two devices. A trust token transmitted in a message from one device may include first data that is digitally signed by a trust provider computer, and second data that is digitally signed by the device itself. Upon receipt of a message containing a trust token, the recipient may utilize the first data to verify with the trust provider computer that the sender of the message is a trusted party. The trust provider computer may provide the recipient device the public key of the sender. The recipient may utilize the second data and the provided public key to verify that the sender signed the message and that the message is unaltered. These techniques may increase detection of relay, replay, or other man-in-the-middle attacks, decreasing the likelihood that such attacks will be successful.

公开(公告)号：US20240346479A1

公开(公告)日：2024-10-17

申请号：US18398753

申请日：2023-12-28

申请人： EARLY WARNING SERVICES, LLC

发明人： Greg Slowiak ,  Michael Dempsey ,  James Anderson ,  Matthew Miller ,  Laura Menken

IPC分类号： G06Q20/22 ,  G06Q20/36 ,  G06Q20/38

CPC分类号： G06Q20/227 ,  G06Q20/3674 ,  G06Q20/385

摘要： A method including obtaining a unique identifier for a user. The method also can include causing an authentication code to be sent to a device of the user. The method additionally can include receiving, through a first user interface displayed to the user, the authentication code. The method further can include displaying, to the user through the first user interface, a list of cards in a shared wallet for the user. The cards can be issued from multiple different issuers. The shared wallet can be accessible to multiple different merchants. The method additionally can include receiving, through the first user interface displayed to the user, a selection from the user of a selected card from the list of the cards for processing a transaction. The method further can include providing card information for the selected card to a merchant for processing the transaction. Other embodiments of related systems and methods are described.

公开(公告)号：US20240346470A1

公开(公告)日：2024-10-17

申请号：US18580300

申请日：2023-01-06

申请人： IncumbentFI, Inc. ,  BANGOR BANKCORP MHC

发明人： James B. Doughty ,  Scott S. Blake

IPC分类号： G06Q20/10 ,  G06Q20/22

CPC分类号： G06Q20/102 ,  G06Q20/22

摘要： A computer implemented system and method for dynamically settling an electronic funding request using multiple funding sources that may include conventional accounts such as checking as credit accounts as well as accounts that are associated with reward programs and other third-party programs

公开(公告)号：US20240338673A1

公开(公告)日：2024-10-10

申请号：US18745510

申请日：2024-06-17

申请人： American Express Travel Related Services Company, Inc.

发明人： RAJESH K. AADI ,  MANSOOR A. JAFARY ,  ROBERT B. MAWK ,  NAGARAJ S. PANDIT ,  GANESHBABU G. SUBRAMANIAN

IPC分类号： G06Q20/22 ,  G06Q20/14

CPC分类号： G06Q20/29 ,  G06Q20/14

摘要： A system, method, and article of manufacture for splitting a shared financial obligation is disclosed. In one example, a system is configured to receive a request to establish a group of members and transmit a list to a first device for selection on a website. A selection of group members is identified and the group of members are generated. A group notification is transmitted to client devices. A first charge to be included to the shared financial obligation is identified. A portion of the shared financial obligation to assign to a second member is determined. A first notification of the portion is transmitted to a second device. A second charge to be included to the shared financial obligation is identified. An updated portion of the shared financial obligation is determined. A second notification of the portion of the shared financial obligation is transmitted to the second device.

公开(公告)号：US12106281B1

公开(公告)日：2024-10-01

申请号：US18094055

申请日：2023-01-06

申请人： Wells Fargo Bank, N.A.

发明人： Ashish B. Kurani ,  James C. Noe ,  Imran Haider ,  Frank Fehrenbach ,  Guruprasadh Ragothaman ,  Matthew C. Strader ,  Palani Munuswamy ,  Chandra Subramanian ,  George Atala ,  Mattie L. Morris ,  Braden More ,  Loftlon Worth ,  Nathan B. Coles

IPC分类号： G06Q20/22 ,  G06Q20/10

CPC分类号： G06Q20/227 ,  G06Q20/102

摘要： Systems and methods for receiving an enterprise resource dataset associated with the first entity, the enterprise resource dataset including an invoice data for the first entity, the invoice data including a first data entry including first value and a first maturity date and a second data entry including a second value and second maturity date, determining a predicted future account balance, determining based on the predicted future account balance, the first value, the second value, the first maturity date, the second maturity date, one or more financing options including a first finance option associated with the first data entry included in the invoice data, generating, a user interface display configured to be displayed within the enterprise application, the user interface display including the first finance option a selection of the first finance option, and initiating a first transfer to a second entity associated with the first data entry.

公开(公告)号：US12100006B2

公开(公告)日：2024-09-24

申请号：US17722559

申请日：2022-04-18

申请人： ARRIS Enterprises LLC

发明人： Cesar Moreno ,  Navneeth Kannan ,  William Ryan

IPC分类号： G06Q20/40 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/14 ,  G06Q20/22 ,  G06Q20/38 ,  G06Q40/02 ,  H04L67/306 ,  H04N21/422 ,  H04N21/436 ,  H04N21/4363

CPC分类号： G06Q20/4016 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/14 ,  G06Q20/227 ,  G06Q20/382 ,  G06Q20/3821 ,  G06Q20/3825 ,  G06Q20/385 ,  G06Q40/02 ,  H04L67/306 ,  H04N21/42215 ,  H04N21/42221 ,  H04N21/43615 ,  H04N21/43635 ,  G06Q20/023

摘要： A control device connected to a media device can autonomously return the active source input of the media device to a previously selected active source input. Any client device within a network may be able to switch the active source input of the media device to the source input associated with the device so as to deliver media content to the media device. Tor return to the previous active source input generally requires user intervention. However, the control device can store the previous active source input of the media device and then, when the media content is terminated or the client device disconnects from the media device, transmit a source input command that causes the media device to cycle through the plurality of source inputs associated with the media device until the active source input is the previous source input without requiring any user intervention.

公开(公告)号：US12093916B1

公开(公告)日：2024-09-17

申请号：US17732454

申请日：2022-04-28

申请人： Wells Fargo Bank, N.A.

发明人： Sharon Terry

IPC分类号： G06Q20/40 ,  G06Q20/22

CPC分类号： G06Q20/2295 ,  G06Q20/40

摘要： A system includes a processor and a data storage medium where the processor is caused to define a first set of account controls for a first user of a customer account based on customer information where the first set of account controls comprise first permissions and first restrictions, define a second set of account controls for a second user of the customer account where the second set of account controls comprise second permissions and second restrictions, determine that a control criteria has met a threshold, automatically adjust the first set of account controls to increase the first permissions and decrease the first restrictions, and transmit a notification to a first user device associated with the first user and to a second user device associated with the second user, the notification indicating that the first set of account controls have been adjusted.