公开(公告)号：US20240320718A1

公开(公告)日：2024-09-26

申请号：US16704453

申请日：2019-12-05

申请人： Wells Fargo Bank, N.A.

发明人： Alan W. Hecht ,  Sotirios Barkas ,  Ann M. Kirk ,  Peter Rozovski ,  Peter L. Shen ,  Chate Yap

IPC分类号： G06Q30/04 ,  G06Q20/02 ,  G06Q20/36 ,  G06Q40/02

CPC分类号： G06Q30/04 ,  G06Q20/023 ,  G06Q20/367 ,  G06Q40/02

摘要： A biller processor computing system is associated with a biller. The biller processor computing system includes a processing resource, a memory resource, and computer-executable instructions stored thereon and embodied in a biller processor application programming interface (API) engine. The instructions, when executed by the processing resource, cause the biller processor computing system to extract a payer identifier from an electronic bill (e.g., an electronic bill received from the biller). Based at least on the payer identifier, a corresponding electronic token is retrieved from data storage media. The electronic token relates to payer authentication information for a biller computing system, which is communicatively coupled to the biller processor computing system. The electronic token is included in the electronic bill, and the electronic bill is transmitted to a payer computing system.

公开(公告)号：US12099980B1

公开(公告)日：2024-09-24

申请号：US17393301

申请日：2021-08-03

申请人： The PNC Financial Services Group, Inc.

发明人： Urich T. Bowers ,  Mecal McDade ,  Todd Tkach

IPC分类号： G06Q20/10 ,  G06N20/00 ,  G06Q20/02 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q30/018 ,  G06Q30/0283 ,  G06Q40/02 ,  G06Q50/00

CPC分类号： G06Q20/108 ,  G06N20/00 ,  G06Q20/3221 ,  G06Q20/3223 ,  G06Q20/4037 ,  G06Q20/405 ,  G06Q30/0283 ,  G06Q40/02 ,  G06Q20/023 ,  G06Q30/0185 ,  G06Q50/01

摘要： A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.

公开(公告)号：US20240303636A1

公开(公告)日：2024-09-12

申请号：US18664544

申请日：2024-05-15

申请人： MobileCoin

发明人： Christopher BECK ,  James CAPE ,  Joseph YANDLE ,  Robb WALTERS ,  Sara Drakeley HALL

IPC分类号： G06Q20/36 ,  G06F21/64 ,  G06Q20/02 ,  G06Q20/06 ,  G06Q20/32 ,  G06Q20/38 ,  H04L9/00 ,  H04L9/08 ,  H04L9/32

CPC分类号： G06Q20/3674 ,  G06F21/64 ,  G06Q20/02 ,  G06Q20/0658 ,  G06Q20/326 ,  G06Q20/363 ,  G06Q20/3825 ,  G06Q20/385 ,  H04L9/0825 ,  H04L9/0844 ,  H04L9/0897 ,  H04L9/3234 ,  H04L9/50

摘要： A system and method for oblivious information retrieval are disclosed. A particular embodiment includes: a plurality of network nodes in data communication with each other via a network, each network node having a secure processing enclave, the enclave configured to include: at least one isolated memory device, processing logic isolated from operating system (OS) calls, and a remote attestation capability; and a view node in data communication with the plurality of network nodes and a transaction ledger, the view node including an account index horizontally scaled across a plurality of computing devices, the view node further configured to receive a transaction and a corresponding account hint, to decrypt the account hint, and to add a row corresponding to the transaction and the account hint to the account index.

公开(公告)号：US12086865B2

公开(公告)日：2024-09-10

申请号：US17976036

申请日：2022-10-28

申请人： DELL PRODUCTS L.P.

发明人： Chooi Peng Low

IPC分类号： H04L29/06 ,  G06Q20/02 ,  G06Q20/12 ,  G06Q30/0208 ,  G06Q30/0601 ,  H04L9/30 ,  H04L9/40

CPC分类号： G06Q30/0635 ,  G06Q20/02 ,  G06Q20/12 ,  G06Q30/0208 ,  H04L9/30 ,  H04L63/0428 ,  H04L63/0823

摘要： A system includes a purchase portal configured to receive a purchase order from a customer, wherein the purchase order includes a service from each of a plurality of service providers. When receipt of the purchase order is detected, a processor determines first and second ones of the service providers associated with the purchase order; and establishes a trust relationship between the first service provider and the second service provider in a context of the customer. The processor also sends a first request for a first trust artifact to the first service provider and a second request for a second trust artifact to the second service provider; receives the first trust artifact from the first service provider, receives the second trust artifact from the second service provider, sends the first trust artifact to the second service provider, and sends the second trust artifact to the first service provider.

公开(公告)号：US20240296434A1

公开(公告)日：2024-09-05

申请号：US18582435

申请日：2024-02-20

申请人： Zuora, Inc.

发明人： Adam Chiu ,  Leon Liu ,  Dhrumil Munshi ,  Karol Chudy ,  Tyler Schemmel

IPC分类号： G06Q20/22 ,  G06Q20/02 ,  G06Q20/40

CPC分类号： G06Q20/22 ,  G06Q20/027 ,  G06Q20/405

摘要： Systems, methods, and computer-readable media are disclosed for implementing a universal payment connector module that enables a subscription billing engine of a multi-tenant computing system/computing environment to connect to one or more payment gateways in a manner that permits the multi-tenant system/environment to facilitate processing of a payment transaction at a payment gateway without requiring modification of payment field names of the payment transaction that are native to the multi-tenant system/environment to gateway-specific field names. In addition, systems, methods, and computer-readable media are disclosed that enable a tenant of the multi-tenant system/computing environment to define a custom payment method type and to request payments to be created based on the custom-defined payment method type.

公开(公告)号：US12079794B2

公开(公告)日：2024-09-03

申请号：US17537245

申请日：2021-11-29

申请人： Apple Inc.

发明人： Frank Andries van den Berg ,  Sebastien Fontaine ,  Olivier M. Martin de la Bastide ,  Eran Hollander

IPC分类号： G06Q20/32 ,  G06Q20/02 ,  H04W4/80

CPC分类号： G06Q20/322 ,  G06Q20/02 ,  G06Q20/3278 ,  H04W4/80

摘要： There is disclosed a method and system for performing a transaction between a buyer and a seller. A payment request may be received from a first device associated with the seller. An identifier of a second device associated with the buyer may be determined. Data corresponding to the payment request may be transmitted to the second device. The second device may request that the buyer present a payment card to the second device. Payment card data may be received, where the payment card data was read by an NFC interface of the second device communicating with the payment card. After receiving the payment card data, a request may be transmitted to complete the transaction. A notification of the transaction result may be transmitted to the first device.

公开(公告)号：US12074973B2

公开(公告)日：2024-08-27

申请号：US18218823

申请日：2023-07-06

申请人： Alclear, LLC

发明人： Rob Wisniewski

IPC分类号： H04L9/40 ,  G06F21/32 ,  G06Q20/02 ,  G06Q20/38 ,  H04L9/32

CPC分类号： H04L9/321 ,  G06F21/32 ,  G06Q20/02 ,  G06Q20/389 ,  H04L9/3231 ,  H04L9/3247 ,  H04L63/0861

摘要： A system performs digital notarization using a biometric identification service. A signature requesting service receives a request to validate a digital item with a signature for a person. The signature requesting service provides a payload that identifies the digital item and/or the person to an identity service. The identity service obtains one or more digital representations of biometrics for the person, determines an identity for the person, and returns a data structure including the payload and one or more identity attestations regarding the determined identity. The identity service encrypts at least a portion of the data structure using a private encryption key. A public encryption key for the identity service can then be used to decrypt the portion to verify that the data structure was generated by the identity service after determining the identity. In this way, validation can be verified to the full trust level of the identification service.

公开(公告)号：US12067537B2

公开(公告)日：2024-08-20

申请号：US18382152

申请日：2023-10-20

申请人： Plaid Inc.

发明人： William Hockey ,  Zach Perret ,  Charles Li

IPC分类号： G06Q20/02 ,  G06Q20/32 ,  G06Q20/40

CPC分类号： G06Q20/023 ,  G06Q20/3223 ,  G06Q20/4014

摘要： Systems and methods for programmatic access of a financial institution system. A normalized API request provided by an application system specifies user information corresponding to at least one account endpoint of an external financial institution system. Responsive to the request, at least one application proxy instance associated with the normalized API request is used to collect transaction information from a corresponding financial institution system by providing the financial institution system with a proprietary API request that specifies at least account credentials associated with the user information. The transaction information is included in at least one proprietary API response provided by the financial institution system. A normalized API response is generated based on the collected transaction information and provided to the application system. Each application proxy instance is constructed to simulate an application of the corresponding financial institution system on behalf of a user associated with the application proxy instance.

公开(公告)号：US12066997B2

公开(公告)日：2024-08-20

申请号：US16889389

申请日：2020-06-01

申请人： MASTERCARD INTERNATIONAL INCORPORATED

发明人： Geetkumar Subhashchandra Gangwar ,  Gaurav Jain ,  Hitesh Mrig

IPC分类号： G06F16/23 ,  G06N20/00 ,  G06Q20/02 ,  G06Q20/40 ,  G06Q30/018 ,  H04L67/10

CPC分类号： G06F16/2365 ,  G06N20/00 ,  G06Q20/027 ,  G06Q20/405 ,  G06Q30/0185 ,  H04L67/10

摘要： A method for determining data consistency in a distributed asynchronous architecture is provided. A server receives transaction requests for processing transactions. The server offers one or more services for processing each transaction. Execution of a service for a transaction corresponds to partial processing of the corresponding transaction. The server generates, for each transaction, one or more disposition messages based on the execution of the one or more services. The server aggregates, for each transaction, the generated one or more disposition messages based on a unique identifier of a corresponding transaction and determines a data consistency rate based on the aggregated one or more disposition messages and a set of rules. The set of rules defines one or more standard sequences for executing the one or more services for processing each transaction.

公开(公告)号：US20240275773A1

公开(公告)日：2024-08-15

申请号：US18643254

申请日：2024-04-23

申请人： Visa International Service Association

发明人： Sivanarayana Gaddam

IPC分类号： H04L9/40 ,  G06Q20/02 ,  H04L9/00 ,  H04L9/14

CPC分类号： H04L63/08 ,  G06Q20/027 ,  H04L9/14 ,  H04L63/10 ,  H04L9/50 ,  H04L2209/56

摘要： A method includes generating, by a user device, an initial authorization request message for an interaction to obtain a resource from a resource provider. The user device transmits the initial authorization request message to a first node in a proxy network, wherein the first node processes the initial authorization request message and transmits a routing message to a second node in the proxy network based on the processing of the initial authorization request message, the second node being previously associated with the resource provider. The user device then receives from the second node and stores a pre-authorization approval indicator (PAAI). Upon delivery of the resource by an agent of the resource provider, the user device transmits an authorization request message including the pre-authorization approval indicator, wherein the agent device further processes and transmits the authorization request message to the proxy network for authorization by an authorizing entity.