公开(公告)号：US11551250B2

公开(公告)日：2023-01-10

申请号：US16400941

申请日：2019-05-01

申请人： MASTERCARD INTERNATIONAL INCORPORATED

发明人： Manoneet Kohli ,  Shane Lansley Jorge Deniz

IPC分类号： G06Q30/02 ,  G06Q20/42 ,  G06Q20/40 ,  G06Q20/10

摘要： Described herein is a computing device for applying merchant promotions to a push payment transaction. The computing device includes a processor and a memory. The processor is configured to receive a promotion request message. The promotion request message includes a merchant ID and an initial push payment transaction amount. The processor retrieves, from the memory, a merchant promotion and applies the retrieved merchant promotion to an initial transaction amount to determine an updated transaction amount. The processor then transmits a promotion response message, receives an authorization message and initiates a transfer of funds. The promotion response message includes the merchant ID and the updated transaction amount. The authorization message authorizes the push payment transaction in the updated transaction amount. The funds are transferred in the updated payment amount from the user account with the originating institution to the merchant account at the receiving institution.

公开(公告)号：US11551215B2

公开(公告)日：2023-01-10

申请号：US17677581

申请日：2022-02-22

申请人： Michael Sasha John

发明人： Michael Sasha John

IPC分类号： G06Q20/40 ,  G06F21/32 ,  G06F21/35 ,  G06F21/60 ,  G06F21/62 ,  G06Q20/12 ,  G06Q20/38 ,  G06Q20/42 ,  G06Q30/06 ,  G06Q40/00

摘要： An illustrative fraud deterrent method includes presenting an identity verification option for a first website displayed in a web-browser, the option including offering a login to a third-party website, unrelated to the first website. The method further includes receiving login information for a first user account on the third-party website and verifying the login information through a verification service associated with the third-party website, to verify that the login information is valid for the first user account, identified by the login information. The method additionally includes verifying an identity at the first website, responsive to the verification.

公开(公告)号：US20220414644A1

公开(公告)日：2022-12-29

申请号：US17777616

申请日：2019-11-18

申请人： Maxell, Ltd.

发明人： Yasunobu HASHIMOTO ,  Naohisa TAKAMIZAWA ,  Masuo OKU

IPC分类号： G06Q20/32 ,  G06Q20/40 ,  G06Q20/42 ,  G02B27/01

摘要： A technique in which with respect to cashless payment technique, suitable cashless payment can be carried out with less operation by a user who is a purchaser is provided. An information terminal is configured to: photograph, by a camera, a code of payment destination information posted by a store and a payment amount corresponding to a purchase amount of a product or service on a basis of an operation of a user; issue a payment command in a case where both payment destination information and the payment amount are recognized on a basis of a photographed image, the payment command including the payment destination information and the payment amount; and transmit the payment command to a server to cause the server to execute the cashless payment processing.

公开(公告)号：US20220405740A1

公开(公告)日：2022-12-22

申请号：US17687853

申请日：2022-03-07

申请人： OV Loop, Inc.

发明人： William Graylin

IPC分类号： G06Q20/38 ,  G06Q20/42 ,  G06Q20/32 ,  G06Q20/02

摘要： Among other things, a server receives from a payer an indication of a payment to be made from an account of the payer to an account of a biller. The server is hosted independently of a party that maintains the account for the payer or the biller. The server receives authentication information from the payer that authenticates an association of the payer with the account of the payer. After the association has been authenticated and without requiring the payer to obtain online access to the payer's account, the server sends to the party that maintains the account for the payer a credit transfer from the account of the payer into the account of the biller.

公开(公告)号：US20220383426A1

公开(公告)日：2022-12-01

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： G06Q50/00 ,  G06Q20/42 ,  G06Q20/08 ,  G06Q30/08 ,  G06Q30/02 ,  G06Q20/12 ,  G06Q20/32

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：US11508005B2

公开(公告)日：2022-11-22

申请号：US17075442

申请日：2020-10-20

申请人： UBIUM GROUP

发明人： David Godwin Frank

IPC分类号： G06Q40/02 ,  G06Q20/34 ,  G06Q20/40 ,  G06Q30/02 ,  G06Q10/08 ,  G06Q30/06 ,  G06Q20/12 ,  G06F16/903 ,  G06N20/00 ,  G06K7/00 ,  G06K7/08 ,  G06V40/13 ,  G06V40/19 ,  G05D1/00 ,  G06Q30/00 ,  G06Q20/42 ,  G06V40/10 ,  G06V40/40

摘要： An automated, dynamic digital financial management tool is described herein. The financial management tool enables a user to access all forms of payments, debt and transactions to be deducted automatically depending on which form of payment is chosen. The financial management tool documents every item/service purchased. The documentation enables a company/manufacturer/store to provide marketing and recall information to the user. The financial management tool is able to include any and/or all financial aspects of a user's life. The financial management tool is able to be implemented using a universal card. The financial management tool is able to include a pay station to receive payments. The financial management tool is able to include automated services.

公开(公告)号：US20220366386A1

公开(公告)日：2022-11-17

申请号：US17877716

申请日：2022-07-29

申请人： Advanced New Technologies Co., Ltd.

发明人： Jing LI ,  Chunpei FENG ,  Wenbo YANG ,  Mian Huang

IPC分类号： G06Q20/10 ,  G06Q20/32 ,  G06F21/31 ,  G06Q20/40 ,  G06Q20/42 ,  H04W4/02 ,  H04M1/72454

摘要： Implementations of the present specification disclose mobile payment methods, apparatuses, and devices. In one aspect, the method includes: monitoring, by a terminal device that is in lock screen mode, outputs of one or more sensors of the terminal device; determining that the outputs of the one or more sensors satisfy first specified criteria indicative of one or more particular body movements; in response to determining that the outputs of the one or more sensors satisfy the first specified criteria, displaying, on the terminal device, a payment processing interface; receiving an input through the payment processing interface; and executing a payment service based on the input.

公开(公告)号：US11501289B2

公开(公告)日：2022-11-15

申请号：US16422208

申请日：2019-05-24

申请人： Mastercard International Incorporated

发明人： Vijin Venugopalan ,  Manu Dharmaiah Kallugudde ,  Saket Bhardwaj

IPC分类号： G06Q20/36 ,  G06Q20/40 ,  G06Q20/42 ,  G06Q20/10 ,  G06Q20/20

摘要： A computer implemented system and method is disclosed for providing a secure payment transaction between a customer and a merchant. The system includes at least a computer processor and a data storage device, the data storage device comprising instructions operative by the processor to: receive, from an acquirer bank of the merchant, a payment request comprising a payment instrument associated with a customer and a merchant token associated with a merchant, map the merchant token to predefined parameters established by the merchant for performing a merchant authorisation of the payment request, validate the merchant token by checking whether the predefined parameters are met for the payment request, approve or refuse the payment request based on the validation and, if approved, transmit a payment authorisation request to an issuer bank associated with the payment instrument of the customer for issuer authorisation of the payment request and proceed with the secure payment transaction if the issuer authorisation is successful.

公开(公告)号：US11488170B1

公开(公告)日：2022-11-01

申请号：US15924993

申请日：2018-03-19

申请人： Vantiv, LLC

发明人： David Mattei ,  Dennis Kettler

IPC分类号： G06Q20/40 ,  G06Q20/42 ,  G06F16/903

摘要： Systems and methods are disclosed for automated fraud detection and analytics using aggregated payment vehicles and devices, at the individual and/or household level. One method includes receiving an authorization request for a payment transaction originating at a merchant, using a first payment vehicle; receiving device information of a first device used in the payment transaction; retrieving transaction data and identifying information associated with the authorization request before the authorization request is routed to a financial institution; searching and determining payment vehicles and devices associated with the individual using the retrieved identifying information; aggregating transaction data associated with the payment vehicles and devices from the transaction database; retrieving reported fraudulent activities pertaining to the payment vehicles and devices; and generating a profile data for the individual according to the identifying information associated with the authorization request, personally identifiable information (PII), the aggregated transaction data, and reported fraudulent activities.

公开(公告)号：US20220343334A1

公开(公告)日：2022-10-27

申请号：US17858764

申请日：2022-07-06

申请人： DISH Wireless L.L.C.

发明人： Scott Parker

IPC分类号： G06Q20/42 ,  H04L9/40 ,  H04W12/06 ,  G06Q20/20 ,  G06Q40/02 ,  G06Q20/32 ,  H04W76/14 ,  H04W4/029 ,  G06Q20/38

摘要： Devices, systems and processes for substantially simultaneous payment verification using multi-factor authentication are described. A system may include a user payment system (UPS), a point of sale system (POS) communicatively coupled to the user payment system, and an issuing bank system (IBK) communicatively coupled to at least the POS. The IBK system may include an IBK hardware processor configured to execute first non-transient computer executable instructions including instructions for establishing a direct connection between the IBK and the UPS. The instructions may also include those for communicating, using the direct connection, a query to the UPS, receiving a first response, from the UPS, to the query, and based, upon the first response, determining whether to approve a given transaction. The direct connection may use a 5G wireless link. The query may be communicated to substantially simultaneously with receipt of a request to approve the given transaction.