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    Advanced methods, systems and devices for registering information in a database
    2.
    发明授权
    Advanced methods, systems and devices for registering information in a database 有权

    公开(公告)号：US12118530B2

    公开(公告)日：2024-10-15

    申请号：US16492481

    申请日：2017-11-22

    申请人： SICPA HOLDING SA

    发明人： Philippe Thevoz

    IPC分类号： G06Q20/26 ,  G06F16/23 ,  G06F16/2457 ,  G06Q20/24

    CPC分类号： G06Q20/26 ,  G06F16/2365 ,  G06F16/2379 ,  G06F16/2457 ,  G06Q20/24

    摘要： A method and system are provided for registering, in a database, a transaction between two parties, and for allowing a third party to cause an action to be performed in relation to the transaction. The method comprise a step of creating (s2) a transaction record, steps of electronically signing (s4, s12, s18, s26) the transaction record, steps of registering (s6, s14, s20, s28) the transaction record in the database, steps of issuing a notification (s8, s16, s22) that the transaction record has been registered in the database, steps of verifying (s10, s24) the transaction record by the third party, and a step of causing (s30), by the third party, an action to be performed based on transaction content information.

    SYSTEMS AND METHODS FOR MULTI-PARTY TRANSACTIONS
    3.
    发明公开
    SYSTEMS AND METHODS FOR MULTI-PARTY TRANSACTIONS 审中-公开

    公开(公告)号：US20240338723A1

    公开(公告)日：2024-10-10

    申请号：US18627298

    申请日：2024-04-04

    申请人： Datum Point Labs Inc.

    发明人： Patrick Nunally

    IPC分类号： G06Q30/0207 ,  G06Q20/24 ,  G06Q20/38

    CPC分类号： G06Q30/0207 ,  G06Q20/24 ,  G06Q20/38215

    摘要： Embodiments described herein provide systems and methods for multi-party transactions. A user device may receive offers for conditional credits from an offering device, based on user information. The user device may accept the offer, which causes the offering device to add the conditional credit to a digital ledger. The conditional credit may then be used in a transaction where the issuing bank fulfils a portion of the transaction and the remaining portion of the transaction is fulfilled by the conditional credit (when the criteria of the conditional credit are met).

    END-TO-END MERCHANT-BASED TRANSACTION AUTHORIZATION
    4.
    发明公开
    END-TO-END MERCHANT-BASED TRANSACTION AUTHORIZATION 审中-公开

    公开(公告)号：US20240330920A1

    公开(公告)日：2024-10-03

    申请号：US18224563

    申请日：2023-07-20

    申请人： Apple Inc.

    发明人： Abde N. FARUQUI

    IPC分类号： G06Q20/40 ,  G06Q20/24 ,  G06Q20/38

    CPC分类号： G06Q20/40 ,  G06Q20/24 ,  G06Q20/3821 ,  G06Q2220/00

    摘要： The subject system may be implemented by a processor circuit configured to receive a payment credential request, wherein the payment credential request comprises a requested amount, provision, in response to the payment credential request, a payment credential and a payment account corresponding to the payment credential, wherein the payment account is associated with a balance corresponding to the requested amount, receive, from a merchant system, an authorization request of a transaction for an authorization amount, wherein the authorization request comprises the payment credential and a merchant identifier of the merchant system, authorize the authorization amount when the authorization amount is less than or equal to the requested amount, and when the authorization amount exceeds the requested amount by a threshold amount, authorize the authorization amount based at least in part on the merchant identifier.

    System and Method for Secure Acceptance of Customer Credit Card Numbers
    5.
    发明公开
    System and Method for Secure Acceptance of Customer Credit Card Numbers 审中-公开

    公开(公告)号：US20240303646A1

    公开(公告)日：2024-09-12

    申请号：US18667623

    申请日：2024-05-17

    申请人： State Farm Mutual Automobile Insurance Company

    发明人： Ryan Chambers ,  Anthony Martin ,  Dana R. Guild

    IPC分类号： G06Q20/38 ,  G06Q20/22 ,  G06Q20/24

    CPC分类号： G06Q20/385 ,  G06Q20/22 ,  G06Q20/227 ,  G06Q20/24

    摘要： A method and system may provide a secure credit card payment service which allows a merchant to store credit cards without storing credit card data on merchant servers. The customer, via a web-enabled device, transmits a request to register a credit card and receives from the merchant server, a credit card registration webpage where the customer may provide credit card data and customer data. In response to receiving the credit card data and the customer data, the web-enabled device transmits the credit card data to a token server that stores the credit card data and receives a token from the token server. In response to receiving the token, the web-enabled device transmits the token and the customer data to the merchant server for storage and processing subsequent credit card payment transactions.

    DYNAMICALLY MAPPING PAYMENT CARD TOKENIZATION UTILIZING PREDICTED TRANSACTION CHARACTERISTICS
    10.
    发明公开
    DYNAMICALLY MAPPING PAYMENT CARD TOKENIZATION UTILIZING PREDICTED TRANSACTION CHARACTERISTICS 审中-公开

    公开(公告)号：US20240232897A1

    公开(公告)日：2024-07-11

    申请号：US18150518

    申请日：2023-01-05

    申请人： Marqeta, Inc.

    发明人： Daniel Osburn

    IPC分类号： G06Q20/40 ,  G06Q20/24

    CPC分类号： G06Q20/405 ,  G06Q20/24

    摘要： This disclosure describes methods, non-transitory computer readable storage media, and systems that dynamically map tokens according to predicted characteristics of the transaction. Specifically, the disclosed system accesses information associated with a payment account including characteristics of previous transactions associated with the payment account, which corresponds to a plurality of separate sub-accounts (e.g., a debit account and a credit account). The disclosed system determines predicted transaction characteristics for the next future transaction based on the information associated with the payment account. Furthermore, the disclosed system generates a request to a payment network to re-map a token associated with the payment account in connection with a selected sub-account according to the predicted transaction characteristics and a set of rules. The disclosed system also processes a subsequent transaction routed based on the re-mapped token in connection with the selected sub-account.