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公开(公告)号：US20200184476A1
公开(公告)日：2020-06-11
申请号：US16793615
申请日：2020-02-18
摘要： An automated teller machine (ATM) may include an input component and one or more processors. The input component may be configured to detect multi-factor input associated with an account. The multi-factor input may include at least two of: a sequence of characters input via the input component, a force with which at least one character, of the sequence of characters, is input via the input component, a length of time over which at least one character, of the sequence of characters, is input via the input component, or a combination of at least two characters, of the sequence of characters, that are input concurrently via the input component. The ATM may receive the multi-factor input, validate the multi-factor input in association with the account, and selectively permit or deny access to one or more actions associated with the account based on validating the multi-factor input.
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公开(公告)号：US20190354985A1
公开(公告)日：2019-11-21
申请号：US15980175
申请日：2018-05-15
摘要： A device receives, from a user device, a request to generate a verification code for a transaction associated with a user of the user device, and receives user profile information associated with a transaction card to be used for the transaction. The device generates a random verification code for the transaction based on the request and the user profile information, and authenticates the random verification code, based on the user profile information, to generate an authenticated random verification code. The device provides the authenticated random verification code to the user device, and receives transaction information, including the authenticated random verification code, from a merchant device associated with the transaction. The device validates the transaction based on the transaction information, and provides, to the merchant device associated with the transaction, information indicating that the transaction is validated.
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公开(公告)号：US20230153813A1
公开(公告)日：2023-05-18
申请号：US18156647
申请日：2023-01-19
IPC分类号： G06Q20/40 , G07F19/00 , G06F21/40 , G06F21/31 , G06F3/04886 , G06F3/04883 , G07F7/10
CPC分类号： G06Q20/4012 , G06F3/04883 , G06F3/04886 , G06F21/31 , G06F21/40 , G06F21/316 , G07F7/1033 , G07F19/201 , G06F3/0488
摘要： An automated teller machine (ATM) may include an input component and one or more processors. The input component may be configured to detect multi-factor input associated with an account. The multi-factor input may include at least two of: a sequence of characters input via the input component, a force with which at least one character, of the sequence of characters, is input via the input component, a length of time over which at least one character, of the sequence of characters, is input via the input component, or a combination of at least two characters, of the sequence of characters, that are input concurrently via the input component. The ATM may receive the multi-factor input, validate the multi-factor input in association with the account, and selectively permit or deny access to one or more actions associated with the account based on validating the multi-factor input.
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公开(公告)号：US20230014746A1
公开(公告)日：2023-01-19
申请号：US17935248
申请日：2022-09-26
发明人： Adam VUKICH , Abdelkadar M'Hamed BENKREIRA , Vu NGUYEN , Joshua EDWARDS , Jonatan YUCRA RODRIGUEZ , David GABRIELE
摘要： A device may receive a command associated with identifying a merchant for a virtual card swap procedure wherein the virtual card swap procedure is to replace a credit card of a user with a virtual card corresponding to the credit card. The device may identify the merchant for the virtual card swap procedure based on the command. The device may obtain the virtual card for the user. The device may determine a virtual card swap procedure template for the merchant. The device may perform the virtual card swap procedure based on the virtual card swap procedure template.
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公开(公告)号：US20220083639A1
公开(公告)日：2022-03-17
申请号：US17456919
申请日：2021-11-30
摘要： A device may obtain registration data associated with a registration of an individual. The registration data may include an image that depicts a physical key and a reference object. The device may process the image to identify a first feature of the physical key and a first measurement of the first feature based on the size of the reference object. The device may store first feature data based on the first feature and the first measurement. The device may obtain second feature data based on a second feature of the physical key and a second measurement of the second feature identified from an insertion of the physical key into a keyhole of an authentication mechanism. The device may determine whether the first feature data corresponds to the second feature data. The device may authenticate the individual based on determining that the first feature data corresponds to the second feature data.
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公开(公告)号：US20210217251A1
公开(公告)日：2021-07-15
申请号：US17301182
申请日：2021-03-29
摘要： A device may receive transaction data relating to a transaction event associated with a user and a merchant. The transaction data may include a merchant identifier and a transaction amount. The device may process the merchant identifier to determine whether the transaction event is associated with a rate-based service. The device may obtain, based on determining that the transaction event is associated with the rate-based service, location data from a user device associated with the user. The device may determine, based on the location data, a distance or a duration associated with the rate-based service. The device may determine, based on the distance or the duration, a transaction estimate for the rate-based service. The device may determine whether the transaction amount corresponds to the transaction estimate and perform one or more actions based on determining whether the transaction amount corresponds to the transaction estimate.
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37.发明申请公开(公告)号：US20210182830A1
公开(公告)日：2021-06-17
申请号：US16712577
申请日：2019-12-12
摘要： A device may receive historical transaction data associated with transactions conducted via transaction accounts associated with users, and may receive historical travel data indicating whether the users were traveling during times associated with the transactions. The device may train a machine learning model with the historical transaction data and the historical travel data to generate a trained machine learning model, and may receive transaction data associated with transactions conducted via a transaction account associated with a user. The device may process the transaction data, with the trained machine learning model, to determine a confidence score that provides an indication of whether the user is traveling, and may determine whether the confidence score satisfies a confidence threshold. The device may determine that the user is traveling when the confidence score satisfies the confidence threshold, and may perform one or more actions based on determining that the user is traveling.
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38.发明申请公开(公告)号：US20210152693A1
公开(公告)日：2021-05-20
申请号：US17248425
申请日：2021-01-25
IPC分类号： H04M3/523
摘要： A device receives, from a user device, a communication associated with a support issue encountered by a user of the user device and assigns the communication to a position in a support queue based on when the communication is received, wherein the support queue includes data identifying positions of other communications received from other users, and data identifying when the other communications were received. The device processes data identifying the communication and historical communication data describing prior communications associated with the user, with a model, to determine an average time spent on hold by the user for the prior communications. The device modifies the position of the communication in the support queue based on the average time and performs one or more actions based on modifying the position of the communication in the support queue.
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公开(公告)号：US20210064325A1
公开(公告)日：2021-03-04
申请号：US16850207
申请日：2020-04-16
摘要： A first device may receive a request to establish a replication session between a second device and a third device, where the replication session is associated with replicating user interactions with a user interface of an application across a first instance and a second instance of the application. The first device may receive, after receiving the request, information identifying a set of interactions by a user of the second device with a first user interface provided for display by the first instance. The first device may determine, from the information, a set of instructions related to causing an indication for the set of interactions to be provided for display on a second user interface provided for display for the second instance based on the information being received from the second device. The first device may provide, after determining the set of instructions, the set of instructions to the third device.
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公开(公告)号：US20210042754A1
公开(公告)日：2021-02-11
申请号：US16949290
申请日：2020-10-23
摘要： A device may obtain a notification that a transaction occurred, where the transaction is associated with a financial account of a user, and a merchant. The device may determine that the merchant is associated with providing confirmation messages for transactions, and may process, based on determining that the merchant is associated with providing confirmation messages, one or more messages in a messaging account associated with the user to determine whether the messaging account includes a confirmation message associated with the transaction. The device may determine that the messaging account does not include any confirmation message associated with the transaction, may determine a likelihood that the transaction was unauthorized based on the messaging account not including a confirmation message, and may perform an action associated with the financial account of the user based on the likelihood that the transaction was unauthorized.
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