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公开(公告)号：US10397070B2
公开(公告)日：2019-08-27
申请号：US15716839
申请日：2017-09-27
发明人： Clinton R. Allen , Paul M. Crofts , Jeff W. Fromm
IPC分类号： H04L12/24 , H04M3/51 , H04L12/14 , H04L29/08 , G06Q10/06 , G06Q20/10 , G06Q30/02 , G06Q30/00 , H04L29/06
摘要： The present system and method comprises an improved marketplace for providing and consuming services. Using the present system, generally via one or more APIs, comprises a method for integrating value added services within a network of participants, for instance, a payment network. The network can use service switching capabilities to route service calls to and from the service consumers and providers using routing elements defined in a message specification. Network participants can be both consumers and providers of services. The network can route service messages to the appropriate provider depending on details in the message.
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公开(公告)号：US10360625B2
公开(公告)日：2019-07-23
申请号：US12820190
申请日：2010-06-22
摘要： A system for securing a mobile financial transaction using an adaptive security policy is provided by presenting, via an external terminal, an input request associated with a vertex of the security policy. User input is received via the external terminal in response to the input request. A rule associated with the vertex is retrieved from a database. An edge is selected from a plurality of edges associated with the vertex according to the retrieved rule. A communication session of the external terminal is routed to a subsequent vertex via the selected edge.
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公开(公告)号：US10360449B2
公开(公告)日：2019-07-23
申请号：US15388099
申请日：2016-12-22
摘要： The systems may include dividing a digital map provided by a mapping system into a matrix having a plurality of cells; assigning a cell of the plurality of cells to encompass a geographic region of the digital map; calculating a number of sites of interest in the cell; creating a marker comprising a first count number representing the number of sites of interest in the cell; and sharing the marker with a browser for display on the digital map.
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公开(公告)号：US10339606B2
公开(公告)日：2019-07-02
申请号：US15258880
申请日：2016-09-07
发明人： Kamal Gupta , Vidit Jain
摘要： The systems and methods herein may include receiving a plurality of transactions for a plurality of consumers, wherein each respective transaction of the plurality of transactions is between a consumer of the plurality of consumers and a merchant of a plurality of merchants; automatically inputting the plurality of transactions into a neural network; automatically analyzing the plurality of transactions over a plurality of iterations, wherein an iteration of the plurality of iterations comprises cycling through a consumer transaction history associated with the consumer, wherein the consumer transaction history has a consumer transaction sequence associated with the consumer; and automatically updating over the plurality of iterations, a previous fraud detection variable associated with the consumer and/or the merchant to generate updated fraud detection variables, in response to the analyzing the plurality of transactions.
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公开(公告)号：US10331994B2
公开(公告)日：2019-06-25
申请号：US15807080
申请日：2017-11-08
发明人： Troy Patrick Williams , Peter Bates
IPC分类号： G06K7/00 , G06K19/077 , B32B37/12 , B32B37/14 , C04B37/02 , C04B35/626 , C04B35/486 , C04B35/488 , C04B35/563 , C04B35/565 , C04B35/64 , B32B38/04
摘要： A transaction card includes a card body that may comprise a card body comprising a ceramic material, the card body including a primary surface and a first mating surface. A card backer comprises a metallic material and includes a secondary surface and a second mating surface. A portion of the first mating surface and a portion of the second mating surface are coupled together.
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公开(公告)号：US20190179954A1
公开(公告)日：2019-06-13
申请号：US15836326
申请日：2017-12-08
发明人： UPENDRA MARDIKAR
摘要： A user may apply for an account on an account registration page. The account issuer may receive a phone number of a mobile device used to apply for the account. The account issuer may transmit the phone number to a carrier integration server which may obtain user information from the wireless carrier for the mobile device. The account issuer may autofill fields on the account registration page with the user information. The user may upload a photograph of the user and an identification card. The account issuer may perform facial recognition to verify the identity of the user.
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公开(公告)号：US20190172054A1
公开(公告)日：2019-06-06
申请号：US16249668
申请日：2019-01-16
发明人： Jason E. Muncey , Keshav A. Narsipur , Sreenivasan B. Parameshwara , Manoj Krishnamma Thulaseedharan Pillai
摘要： Systems and methods may comprise RFID data acquisition technology which may be embedded in a fob or tag for use in completing financial transactions. This fob may a self-contained device which includes a transponder and which may be contained on any portable form factor. For instance, the tag may be housed in a wearable transaction instrument, such as an activity tracker. The tag is configured to be used in concert with an RFID reader device.
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公开(公告)号：US20190095927A1
公开(公告)日：2019-03-28
申请号：US15719327
申请日：2017-09-28
发明人： Sushil S. Shimpi , Tyler C. Colton , Meera Girija Varma , Glenn S. Moriarty , Matthew B. Peters , Padma D. Jandhyala
摘要： The method includes receiving a communication from a customer; identifying a customer profile associated with the customer; accessing account activity data associated with the customer profile; analyzing the account activity data; and/or determining an intent prediction associated with the communication based on the analyzing the account activity data, wherein the intent prediction comprises a predicted reason for the communication.
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公开(公告)号：US20190087849A1
公开(公告)日：2019-03-21
申请号：US16188873
申请日：2018-11-13
发明人： MICHAEL MORRIS , STEPHANIE SCHULTZ , ILIAS TSANGARIS , DAVID WOLF , MICHAEL YU
CPC分类号： G06Q30/0239 , G06Q10/087 , G06Q20/10 , G06Q20/12 , G06Q20/387 , G06Q20/405 , G06Q30/0234 , G06Q30/0236 , G06Q30/0238 , G06Q30/0609 , G06Q30/0633 , G06Q30/0635 , G06Q30/0637 , G06Q30/0641
摘要： The systems, methods, and computer program products (collectively “systems”) described herein are generally configured to monitor actions in digital channels. More specifically, the systems are capable of creating reservations for items and initiating payments for the items based on actions or information received from the digital channel. The systems are capable of syncing transaction accounts with various digital channels. Moreover, the systems are capable of initiating or completing transaction based on user information. The systems may also be capable of providing rewards based on activities or accomplishments in the digital channels. Moreover, the systems may be capable of verifying activities based on transaction information.
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公开(公告)号：US10218737B2
公开(公告)日：2019-02-26
申请号：US15949980
申请日：2018-04-10
摘要： A system, method, and computer-readable medium for reporting sensor data over a communication network are provided. A data reporting instruction that identifies at least one of a sensor or a data reporting technique is received from a trust mediator over a communication network. The data reporting instruction is based at least in part on an identified risk. Sensor data is obtained from the sensor, and the sensor data is transmitted to the trust mediator over the communication network based on the data reporting technique.
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