公开(公告)号：US20240273487A1

公开(公告)日：2024-08-15

申请号：US18597680

申请日：2024-03-06

申请人： 1inch Limited

发明人： Anton Bukov ,  Sergej Kunz

IPC分类号： G06Q20/10 ,  G06Q20/36 ,  G06Q20/42

CPC分类号： G06Q20/10 ,  G06Q20/3678 ,  G06Q20/42 ,  G06Q2220/00

摘要： Systems and methods for determining and executing complex multi-route transfers of digital assets are described. A multi-route transfer of a source asset for a destination asset may be determined by analyzing a graph representing a plurality of assets and exchanges to determine a plurality of unique transfer paths. A transfer path may reflect a direct transfer in which the source asset is swapped for the destination asset, or it may reflect a series of intermediate transfers in which the source asset is swapped for intermediate asset(s) that are swapped for the destination asset. Dynamic programming can be used to select the transfer paths to include in the multi-route transfer, how to distribute swaps across those transfer paths, and how to distribute swaps for each transfer of a transfer path-thereby optimizing for the total amount of the destination asset received while accounting for transaction fees.

公开(公告)号：US12056775B2

公开(公告)日：2024-08-06

申请号：US17882216

申请日：2022-08-05

申请人： Block, Inc.

发明人： Matthew O'Connor ,  Roshan Jhunja ,  Daniel Meyers

IPC分类号： G06Q30/00 ,  G06Q20/08 ,  G06Q20/12 ,  G06Q20/32 ,  G06Q20/42 ,  G06Q30/0283 ,  G06Q30/08 ,  G06Q50/00 ,  G06Q10/087

CPC分类号： G06Q50/01 ,  G06Q20/0855 ,  G06Q20/12 ,  G06Q20/3223 ,  G06Q20/425 ,  G06Q30/0283 ,  G06Q30/08 ,  G06Q10/087

摘要： Techniques described herein are directed to transacting via social media interactions. In an example, content posted by a first user of a social media service provider and/or response(s) to the content posted by the first user of the social media service can be analyzed by computing system(s) of a payment processing service provider. The response(s) can be associated with second user(s) of the social media service provider. The computing system(s) can determine, based at least in part on the analyzing, an intent of at least the first user or the second user(s) to participate in a transaction for an item depicted in the content and can create a record indicating that item(s) depicted in the content are available for purchase by the second user(s). The record can be created at or near a time that the content is posted by the first user and used for facilitating the transaction.

公开(公告)号：US20240257240A1

公开(公告)日：2024-08-01

申请号：US18411909

申请日：2024-01-12

申请人： ASHAREX INC.

发明人： Alan Snyder ,  Eric Arinsburg ,  Kevin Hughes ,  Ryan Lesser Johnston ,  John Baohua Smith

IPC分类号： G06Q40/04 ,  G06Q20/42 ,  G06Q40/03 ,  G06Q40/06

CPC分类号： G06Q40/04 ,  G06Q20/42 ,  G06Q40/03 ,  G06Q40/06

摘要： Systems and methods facilitate managing allocation of contested resources between full bidding entities and fractional bidding entities. Systems identify a contested resource and determine a quantity of shares for the contested resource. Systems also identify different bidding entities, including full bidding entities and fractional bidding groups, with each fractional bidding group comprising multiple fractional bidding entities. During an auction, systems determine that a first total bid amount from a first bidding entity meets a first asking price, while a second total bid amount from a second bidding entity does not meet a second asking price. If the first bidding entity is a fractional bidding group, the systems allocate different subsets of shares to the different fractional bidding entities in the group. Alternatively, if the first bidding entity is a full bidding entity, the systems allocate all of the predetermined quantity of shares to the first bidding entity.

公开(公告)号：US12045833B2

公开(公告)日：2024-07-23

申请号：US18077655

申请日：2022-12-08

申请人： Capital One Services, LLC

发明人： Earle Michael Lee ,  Brian T. Burnett ,  David Smit

IPC分类号： G06F11/14 ,  G06F11/07 ,  G06F16/23 ,  G06Q20/08 ,  G06Q20/40 ,  G06Q20/42

CPC分类号： G06Q20/425 ,  G06F11/0745 ,  G06F11/0757 ,  G06F11/1405 ,  G06F11/1474 ,  G06F16/2379 ,  G06Q20/085 ,  G06Q20/401

摘要： Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions according to review and approval workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. Microservices on the transaction exchange platform may interact with the transaction objects based on configured workflows associated with the transactions. Processing on the transaction exchange platform may facilitate clearing and settlement of transactions. Some aspects may provide for pausing the processing of transactions during a workflow. Other aspects may provide for a messaging microservice that permits communications between the transaction exchange platform and external third-parties.

公开(公告)号：US12039539B2

公开(公告)日：2024-07-16

申请号：US16930821

申请日：2020-07-16

申请人： Mastercard International Incorporated

发明人： Marek Kurylko ,  Joseph Hayes ,  Eugene Reda

IPC分类号： G06Q20/40 ,  G06Q20/42

CPC分类号： G06Q20/405 ,  G06Q20/40145 ,  G06Q20/4097 ,  G06Q20/42

摘要： A method and a system are provided for processing payment card transactions in conjunction with a user device configured to detect intoxicated use. The user device includes a behavior detection application which can detect whether a user is intoxicated using the device's motion sensing hardware, user endpoint data, and application level data. When the user attempts a transaction while intoxicated, the user's device can detect that the user is impaired or sober. If impaired, the payment card system can deny the transaction. If sober, the payment card system can offer incentives for certain transactions. The payment card system can also allow sponsoring entities to pay for transactions that incentivize better behavior when a user is intoxicated or support transactions for sober users.

公开(公告)号：US12039522B2

公开(公告)日：2024-07-16

申请号：US18164962

申请日：2023-02-06

申请人： Google LLC

发明人： Varouj Chitilian ,  Sashikanth Chandrasekaran ,  Denise Ho ,  Zhihong Xu ,  William Hartley Setchell ,  Phalachandra Sreepada Bhat

IPC分类号： G06Q20/32 ,  G06Q20/00 ,  G06Q20/20 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q20/42 ,  G10L15/08 ,  G06Q20/02

CPC分类号： G06Q20/3674 ,  G06Q20/00 ,  G06Q20/20 ,  G06Q20/322 ,  G06Q20/325 ,  G06Q20/3278 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q20/40145 ,  G10L15/08 ,  G06Q20/02 ,  G06Q20/3224 ,  G06Q20/326 ,  G06Q20/405 ,  G06Q20/4097 ,  G06Q20/425

摘要： Conducting hands-free transactions comprises a server at a payment processing system, a user computing device, and a merchant computing device. The payment processing system receives a communication from a hands-free payment application on a user device, the communication comprising a first transaction token, an identification of a user account, and a beacon identifier. The merchant may provide a challenge to the user and use the response to identify the token and account of the user. The merchant computing device can use voice patterns of the user to assist in identifying the token and account of the user. The system receives from the merchant computing device a transaction request, the transaction request comprising the first transaction token and transaction data associated with the transaction request. The system determines that the transaction is for an amount less than a configured transaction limit and communicates a request for an authorization of the transaction.

公开(公告)号：US12039504B1

公开(公告)日：2024-07-16

申请号：US18466347

申请日：2023-09-13

申请人： U.S. Bank National Association

发明人： Marlen L. Foster ,  Connie K. Yung ,  Vijay Narayanan ,  Raj M. Bharadwaj ,  Soumitri Naga Kolavennu ,  Jessica G. Winberg ,  Balasubramanian Narayanan ,  Hima Rama Subrahmanyam Vishnubhotla

IPC分类号： G06Q20/04 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q20/42 ,  G06Q40/02 ,  G06V30/19 ,  G06V30/224

CPC分类号： G06Q20/0425 ,  G06Q20/108 ,  G06Q20/3223 ,  G06Q20/326 ,  G06Q20/4016 ,  G06Q20/42 ,  G06Q40/02 ,  G06V30/19013 ,  G06V30/19093 ,  G06V30/1916 ,  G06V30/2253

摘要： Methods and systems for remote check deposit are disclosed. A check image captured by an image capture device of a mobile device in response to receiving a user actuation causing the image capture device to capture the check image is received. The mobile device is caused to perform optical character recognition (OCR) on the check image to generate OCR data. The OCR data generated from the check image is verified to determine whether it includes required predetermined check data to process the check for remote deposit. The OCR data is provided to a financial institution server for validation processing. In response to receiving a confirmation from a user, the check image is provided to the financial instruction server with instructions to process the check for remote deposit. The mobile device receives a deposit receipt notification from the financial institution server after the check is deposited.

公开(公告)号：US20240220170A1

公开(公告)日：2024-07-04

申请号：US18396889

申请日：2023-12-27

申请人： BROTHER KOGYO KABUSHIKI KAISHA

发明人： Tetsuya OKUNO

IPC分类号： G06F3/12 ,  G06Q20/42 ,  H04N1/34

CPC分类号： G06F3/1204 ,  G06F3/122 ,  G06F3/1236 ,  G06F3/1239 ,  G06F3/1254 ,  G06Q20/42 ,  H04N1/346

摘要： A printing device is configured to perform printing with an allowed print amount. The printing device includes a controller to obtain addition type information representing a first guaranteed print amount or a second guaranteed print amount. The first guaranteed print amount corresponds to a first printing privilege to be purchased manually by a user, and the second guaranteed print amount corresponds to a second printing privilege to be automatically purchased. The controller switches, based on the addition type information, a control mode between a first mode in which the first guaranteed print amount is added to the allowed print amount and a second mode in which the second guaranteed print amount is added to the allowed print amount.

公开(公告)号：US12026687B2

公开(公告)日：2024-07-02

申请号：US17461073

申请日：2021-08-30

申请人： Capital One Services, LLC

发明人： John Crowson ,  Rocky Gray ,  Margaret Crouse ,  Asawari Kanitkar

IPC分类号： G06Q20/08 ,  G06Q20/32 ,  G06Q20/42 ,  H04L67/53 ,  H04L9/32

CPC分类号： G06Q20/0855 ,  G06Q20/3274 ,  G06Q20/42 ,  H04L67/53 ,  H04L9/3213

摘要： Systems for helping a user manage external party-activity software objects by using machine-readable indicia. In one embodiment, an exemplary computer-implemented method may comprise receiving a first request to link a digital profile of the application end user associated with the entity with a third-party entity. In response to receiving the first request, the second request is sent to a second server associated with the third-party entity, and a third request is received from the application end user for accessing at least one user-related external party-activity software object via the first server by using machine-readable indicia. A user interface is generated including the at least one user-related external party-activity software object based on the machine-readable indicia, and the at least one user-related external party-activity software object requires the user to complete the at least one activity associated with the third-party entity and is displayed within the user interface without the computing device associated with the application end user communicating with the second server associated with the third-party entity. The at least one user-related external party-activity software object comprises data fields that may be pre-populated with user-related, external party-related information.

公开(公告)号：US20240211986A1

公开(公告)日：2024-06-27

申请号：US18400444

申请日：2023-12-29

申请人： Capital One Services, LLC

发明人： Sophie BERMUDEZ ,  Salik SHAH ,  Latika GULATI

IPC分类号： G06Q30/0207 ,  G06N20/00 ,  G06Q20/20 ,  G06Q20/34 ,  G06Q20/40 ,  G06Q20/42 ,  G06Q30/0251 ,  G06V10/44 ,  G06V10/764 ,  G06V40/10 ,  G06V40/16

CPC分类号： G06Q30/0224 ,  G06N20/00 ,  G06Q20/204 ,  G06Q20/352 ,  G06Q20/40145 ,  G06Q20/42 ,  G06Q30/0255 ,  G06V10/454 ,  G06V10/764 ,  G06V40/174 ,  G06V40/10 ,  G06V40/15

摘要： Various embodiments are generally directed to method and devices to receive biometric data and transaction data relating to a transaction, apply a model to the biometric data and the transaction data to determine an emotional state of the user during the transaction, and determine an action associated for the transaction based on the emotional state of the user during the performance of the transaction. Embodiments further include causing performance of the action.