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公开(公告)号：US12026688B1
公开(公告)日：2024-07-02
申请号：US18067832
申请日：2022-12-19
CPC分类号： G06Q20/1085 , G06Q20/204 , G06Q20/206 , G06Q20/2295 , G06Q20/3572 , G06Q20/20
摘要： Systems and methods for performing a transaction with a headless point-of-sale or automated teller machine (ATM) device are disclosed using a card having a second communications path to a financial services provider. A card having a display and radio frequency (RF) communications module may be authenticated with a headless point-of-sale device using a short-range RF communications link. Characteristics of the card may be set prior to the transaction. Transaction information may be provided to the display of the card from the headless point-of-sale device. A customer may confirm the transaction at the card using a touch-sensitive input area. During the processing, a communication may be made over the second communications path to authorize the transaction independently of the transaction processing path. A transaction may then be completed at the headless point-of-sale device.
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公开(公告)号：US12020677B1
公开(公告)日：2024-06-25
申请号：US17724174
申请日：2022-04-19
发明人： Galo M. Alava , Amanda Michelle Boyd , Ramsey Devereaux , Gregory Mark Lamontagne , Elizabeth J. Rubin , Brian Tougas , Courtney St. Martin , Michael Kyne
IPC分类号： H04R3/02 , G10K11/175 , G10K11/178 , G10L25/78 , H04M1/19 , A61F11/06
CPC分类号： G10K11/1754 , G10K11/17823 , G10L25/78 , H04M1/19
摘要： An audio modification system includes one or more processors configured to receive audio data indicative of communication of a user while the user is positioned in a first portion of a control area, determine that the communication of the user is confidential based on the audio data, determine generated audio data configured to render the communication of the user at least partially inaudible in a second portion of the control area, and output a control signal indicative of instructions to provide the generated audio data.
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公开(公告)号：US12010117B1
公开(公告)日：2024-06-11
申请号：US17396204
申请日：2021-08-06
IPC分类号： H04L9/40 , G06F16/9535
CPC分类号： H04L63/0876 , G06F16/9535
摘要： Embodiments disclosed herein may relate to systems and methods for secure authentication that enable a user to set up an account or log in an existing account upon an existing user vouching for the user. Embodiments disclosed herein relate to verifying one or more attributes of the user by transmitting multiple decentralized verification notifications to multiple existing users. Upon receiving a verification quorum, a request may be authenticated.
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公开(公告)号：US12008571B1
公开(公告)日：2024-06-11
申请号：US18311214
申请日：2023-05-02
CPC分类号： G06Q20/4014 , G06Q20/02 , G06Q20/24 , G06Q20/34 , G06Q20/4016
摘要： Embodiments described herein disclose methods and systems for authenticating ownership of an account in real-time or near real-time so that a user can fund or open a new account without waiting for several days. The system enables an operator to select one or more methods for authentication from a group of candidate schemes. The candidate schemes include (1) a card-association-network scheme; (2) an account-aggregation scheme; and (3) a credit-bureau-integration scheme.
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公开(公告)号：US11996104B1
公开(公告)日：2024-05-28
申请号：US17883866
申请日：2022-08-09
IPC分类号： H04L29/06 , G06F9/451 , G06Q30/0201 , G06Q30/0202 , G06Q30/0601 , G10L15/26 , H04L51/02 , H04M3/493
CPC分类号： G10L15/26 , G06F9/453 , G06Q30/0201 , G06Q30/0202 , G06Q30/0631 , H04L51/02 , H04M3/4938
摘要： Various embodiments of the present disclosure relate generally to providing services to users via communication channels. More specifically, various embodiments of the present disclosure relate to systems and methods for modifying, updating, and/or changing communication channel interactions based on the tracking or listening for events within other communication channels.
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公开(公告)号：US11995620B1
公开(公告)日：2024-05-28
申请号：US17869754
申请日：2022-07-20
发明人： Adrian Borunda , Richard Tanner , Jeffrey Joseph Szcinski , Cale Riley Spratt , Jerry Allen Phelps
CPC分类号： G06Q20/10 , G06F21/32 , G06Q40/02 , G06T19/006 , H04L9/3213
摘要： This disclosure provides methods and systems for performing authentication in a virtual reality environment. In some implementations, the system receives a request for access to a virtual reality financial center requiring authentication from a user. The system can collect user identification information that identifies the user and verification information required to verify the user's identity via a virtual reality platform.
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公开(公告)号：US11989695B1
公开(公告)日：2024-05-21
申请号：US17501819
申请日：2021-10-14
IPC分类号： G06Q10/107 , G06F16/25 , G06F16/435 , H04M1/7243 , H04M1/72451 , H04M1/72484
CPC分类号： G06Q10/107 , G06F16/25 , G06F16/437 , H04M1/7243 , H04M1/72451 , H04M1/72484
摘要： The present disclosure relates generally to systems and methods for delivering personalized content to a customer. More specifically, the present disclosure relates to systems and methods for providing notifications related to the needs of a customer. A content management system may determine the needs of a customer as they relate to relevant products and/or services offered by one or more business entities, determine and prioritize actions that may fulfill these needs, and deliver personalized content to the customer based on the customer's information. Accordingly, the systems and techniques provided herein may improve the efficiency and reduce the time involved with delivering effective content to a customer.
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公开(公告)号：US11983232B1
公开(公告)日：2024-05-14
申请号：US17948296
申请日：2022-09-20
IPC分类号： G06F16/95 , G06F16/951 , G06F16/955 , H04L67/02 , H04L67/146
CPC分类号： G06F16/9566 , G06F16/951 , H04L67/02 , H04L67/146
摘要： Systems and methods for using parameters with shortened resource locators to access a resource are provided. A short resource locator is associated with a full resource locator template in a resource locator association datastore. Parameters provided with the short resource locator are used to replace two or more parameter identifiers within a full resource locator template to generate a full resource locator. The full resource locator is used to access a resource.
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公开(公告)号：US11978113B1
公开(公告)日：2024-05-07
申请号：US18326677
申请日：2023-05-31
IPC分类号： G06Q30/0601 , G06F16/9038 , G10L15/26
CPC分类号： G06Q30/0643 , G06F16/9038 , G06Q30/0623 , G10L15/26
摘要： Techniques are described for cross-device presentation. During a speech interaction with a conversational user interface (CUI) executing on an input device, such as a personal assistant (PA) device or other computing device, a user may utter one or more search terms to search for an item, such as a vehicle to purchase. The search term(s) may be employed by a search engine to identify one or more items that correspond to the search term(s). The search engine can generate recommendation information that includes a description of the item(s) corresponding to the search term(s). The recommendation information can be communicated to an output device that is registered to, or otherwise associated with, the user who spoke the search term(s) to the input device. In some instances, the recommendation information can be presented through speech output on the PA device or other device.
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公开(公告)号：US11968595B1
公开(公告)日：2024-04-23
申请号：US17521497
申请日：2021-11-08
发明人： Emily Margaret Gray , Daniel Christopher Bitsis, Jr. , Qunying Kou , Robert Wiseman Simpson , Manfred Amann , Donnette Moncrief Brown , Eric David Schroeder , Meredith Beveridge , Michael J. Maciolek , Bobby Lawrence Mohs , Brian F. Shipley , Justin Dax Haslam , Ashley Raine Philbrick
CPC分类号： H04W4/029 , G06F16/29 , G06F16/9537 , H04L67/52 , H04W4/021 , H04W4/023 , H04W64/003
摘要： A method of determining a physical location for an address. The method includes receiving from a first global positioning system on a vehicle a first set of global positioning data indicative of a vehicle location. The method may also receive from a second global positioning system on a portable electronic device a second set of global positioning data indicative of a portable electronic device location. The method may also receive a set of location metadata associated with a picture. The method determines a residence location from the first set of global positioning data, the second set of global positioning data, or the set of location metadata. The method then associates the physical location to the address.
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