公开(公告)号：US11948142B2

公开(公告)日：2024-04-02

申请号：US17762649

申请日：2019-11-07

申请人： VISA INTERNATIONAL SERVICE ASSOCIATION

发明人： Binit Pokhrel

IPC分类号： G06Q20/40 ,  G06F16/28 ,  G06Q20/04 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q50/00 ,  H04L29/06 ,  G06Q20/10

CPC分类号： G06Q20/3274 ,  G06Q20/3267 ,  G06Q20/363

摘要： The disclosed system and method provides a display on the representation of the electronic transaction account and the display may display information about the electronic transaction account or other data desired to be displayed by the consumer.

公开(公告)号：US20240104571A1

公开(公告)日：2024-03-28

申请号：US18527789

申请日：2023-12-04

申请人： Capital One Services, LLC

发明人： Michael MOSSOBA ,  Joshua EDWARDS ,  Abdelkadar M’Hamed BENKREIRA

IPC分类号： G06Q20/40 ,  G06Q20/04 ,  G06Q20/38 ,  G06Q20/42 ,  G06Q30/06 ,  H04L9/40

CPC分类号： G06Q20/4016 ,  G06Q20/047 ,  G06Q20/382 ,  G06Q20/405 ,  G06Q20/42 ,  G06Q30/06 ,  H04L63/10

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.

公开(公告)号：US20240087051A1

公开(公告)日：2024-03-14

申请号：US18376146

申请日：2023-10-03

申请人： Capital One Services, LLC

发明人： Kevin M. Lowe

IPC分类号： G06Q40/12 ,  G06F18/214 ,  G06F40/205 ,  G06N20/00 ,  G06Q20/04 ,  G06Q20/40 ,  G06Q40/02

CPC分类号： G06Q40/128 ,  G06F18/2155 ,  G06F40/205 ,  G06N20/00 ,  G06Q20/042 ,  G06Q20/401 ,  G06Q40/02

摘要： Systems as described herein generate an outstanding check alert. An alert generating server may receive transaction records associated with a plurality of checking accounts. The alert generating server may user a first machine learning classifier to determine a transaction pattern indicating a merchant has failed to process outstanding checks for a period of time. The alert generating server may receive sequential check information comprising at least one missing check number associated with a particular checking account. The alert generating server may user a second machine learning classifier to determine at least one outstanding check associated with the particular checking account. The alert generating server may send an alert indicating the at least one outstanding check to a user device.

公开(公告)号：US11915310B1

公开(公告)日：2024-02-27

申请号：US17349282

申请日：2021-06-16

申请人： UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)

发明人： Teddy Voutour ,  Bharat Prasad

IPC分类号： G06Q40/02 ,  G06Q20/04 ,  G06T7/11 ,  G06T7/12 ,  G06Q20/10 ,  G06T5/40 ,  H04N1/40 ,  G06V10/10 ,  G06V20/62 ,  G06V30/416 ,  G06V30/16 ,  G06V30/18

CPC分类号： G06Q40/02 ,  G06Q20/042 ,  G06Q20/0425 ,  G06Q20/1085 ,  G06T5/40 ,  G06T7/11 ,  G06T7/12 ,  G06V10/10 ,  G06V20/63 ,  G06V30/16 ,  G06V30/18019 ,  G06V30/416 ,  H04N1/40012 ,  G06T2207/20132

摘要： The APPARATUSES, METHODS AND SYSTEMS FOR A VIDEO REMOTE DEPOSIT CAPTURE PLATFORM (hereinafter “RDC-Video”) provides a platform for remote deposit by obtaining images of a check from streaming video captured by a video camera, wherein the RDC-Video transforms captured check images and/or entered check deposit information inputs via RDC-Video components into deposit confirmation outputs. For example, in one embodiment, a user may employ a personal computer connected to a web camera, and/or a smartphone with a built-in camera to initiate the remote deposit by holding a check in front of the camera, and the RDC-Video may capture images of the check and send them to a financial institution for deposit processing.

公开(公告)号：US11915222B2

公开(公告)日：2024-02-27

申请号：US17408862

申请日：2021-08-23

申请人： TOSHIBA TEC KABUSHIKI KAISHA

发明人： Hiromasa Suzuki

IPC分类号： G06Q20/20 ,  G07G5/00 ,  G06Q20/04 ,  G06Q30/04

CPC分类号： G06Q20/209 ,  G06Q20/047 ,  G06Q20/20 ,  G06Q30/04 ,  G07G5/00

摘要： A receipt data processing device includes a data generating section, an output section, and a converting section. The data generating section is configured to generate receipt data of a first data format including information about an item purchased by a customer. The output section is configured to output the receipt data to at least one of a printing device and an external device that is different from the printing device. The converting section is configured to convert a data format of the receipt data from the first data format to a second data format that is different from the first data format when the receipt data is output to the external device.

公开(公告)号：US11915209B2

公开(公告)日：2024-02-27

申请号：US18068163

申请日：2022-12-19

申请人： Capital One Services, LLC

发明人： Laith Hallaq ,  Ruby Rue Roman Estremera ,  Maneill Parekh

IPC分类号： G06Q20/10 ,  G06Q20/04 ,  G06F21/31 ,  H04L67/306 ,  G06Q20/32 ,  H04M1/725 ,  H04L9/40

CPC分类号： G06Q20/042 ,  G06F21/31 ,  G06Q20/3278 ,  H04L63/102 ,  H04L67/306 ,  H04M1/725

摘要： Systems and methods of the present disclosure include processors configured to perform steps to receive a tag data from a contactless communication tag, execute an applet associated with the contactless communication tag, and receive document data associated with an applet-linked document, including a document identifier, a document content data, a document recipient identifier, and a document sender identifier. The processors are configured to further generate an account link linking the document data to a user account associated with the document sender, generate a document entry in the user account based on the account link, generate a webpage from the applet to record the document data such that the document data is accessible upon subsequent reception of the contactless radio signal data, and display the document data and a current status of the applet-linked document on a display of the computing device associated with the contactless reader.

公开(公告)号：US20240046247A1

公开(公告)日：2024-02-08

申请号：US18491079

申请日：2023-10-20

申请人： Capital One Services, LLC

发明人： David Kelly Wurmfeld

IPC分类号： G06Q20/32 ,  G06K19/06 ,  G06Q20/20 ,  G06Q40/02 ,  G06Q20/04 ,  G06Q20/40 ,  G06F21/31 ,  H04W12/06 ,  H04W76/10

CPC分类号： G06Q20/3274 ,  G06K19/06112 ,  G06Q20/3276 ,  G06Q20/204 ,  G06Q20/208 ,  G06Q20/3278 ,  G06Q20/3272 ,  G06Q40/02 ,  G06Q20/042 ,  G06Q20/40145 ,  G06F21/31 ,  H04W12/06 ,  H04W76/10 ,  G06K19/06037 ,  G06K1/121

摘要： A method may include generating, by a computing device, a first dynamic QR code comprising a plurality of QR code frames, each QR code frame transmitted at a first frequency, the plurality of QR code frames comprising non-viable QR code frame(s) and at least one viable QR code frame. The method may include displaying, by the computing device, the first dynamic QR code, the at least one viable QR code frame displayed at a first time. The method may include transmitting, by the computing device, a first pulse to a user device. The method may include capturing, by the user device at the first time and in response to receiving the first pulse, the at least one viable QR code frame. The method may include generating and displaying, by the user device, a second dynamic QR code, causing the computing device to complete a requested transaction.

公开(公告)号：US20240037545A1

公开(公告)日：2024-02-01

申请号：US18484365

申请日：2023-10-10

申请人： Walmart Apollo, LLC

发明人： Jian Huang ,  Gajendra Kamat ,  Sushant Kumar ,  Abhijeet Karnik

IPC分类号： G06Q20/38 ,  G06Q30/0201 ,  G06F16/20 ,  G06Q20/36 ,  G06Q20/40 ,  G06Q20/04

CPC分类号： G06Q20/389 ,  G06Q30/0201 ,  G06F16/20 ,  G06Q20/363 ,  G06Q20/405 ,  G06Q20/047

摘要： Systems and methods for synchronizing a customer's shopping experience over multiple channels are disclosed. A transaction record is generated in response to a purchase of goods, and transaction data is extracted from the transaction record and stored in a transaction database. Customer identities are extracted from the transaction record and stored in a customer identity database, wherein the transaction data extracted from the transaction record is associated with the customer identities. A plurality of customer identities are identified that are associated with a user and those identified customer identities that are applicable to the use case of the system are determined. Use case specific information is generated based, at least in part, on transaction data associated with each of the determined customer identities.

公开(公告)号：US11887078B2

公开(公告)日：2024-01-30

申请号：US17845651

申请日：2022-06-21

申请人： Edward Kellman

发明人： Edward Kellman

IPC分类号： G06Q20/10 ,  G06Q40/02 ,  G06Q40/10 ,  G06Q40/12 ,  G06Q20/40 ,  G06Q20/04

CPC分类号： G06Q20/10 ,  G06Q20/04 ,  G06Q20/40 ,  G06Q40/02 ,  G06Q40/10 ,  G06Q40/12

摘要： Methods and systems for multivariable reconciliation of trust accounts are disclosed. The methods and systems can include acquiring transaction data for transactions in one or more trust accounts including a plurality of extrinsic variables. A plurality of variable ledgers can be produced from the transaction data and the extrinsic variables, including an account transaction ledger, a customer transaction ledger, and a job transaction ledger. The plurality of variable ledgers can then be reconciled internally and amongst the other variable ledgers. The reconciled overlapping data between the account transaction ledger, the customer transaction ledger, and the job transaction ledger, can then be incorporated to produce a multivariable ledger, which can be presented to or analyzed by an operator through an input device.

公开(公告)号：US20240029048A1

公开(公告)日：2024-01-25

申请号：US18375447

申请日：2023-09-29

申请人： MASTERCARD TECHNOLOGIES CANADA ULC

发明人： Patrik Smets ,  Christopher Bailey ,  Jean-Bernard Collet ,  Kuan Hua Chen

IPC分类号： G06Q20/32 ,  G06Q20/04 ,  G06Q20/40 ,  G06Q20/20

CPC分类号： G06Q20/3224 ,  G06Q20/047 ,  G06Q20/40975 ,  G06Q20/202

摘要： Systems and methods are provided for extending dialogue between a mobile device and a point-of-interaction (POI). One example computer-implemented method includes receiving, by a by a host server, from a POI computing device, an identifier specific to an account of a user, a receipt for an interaction, and one or more encrypted actions. The method also includes decrypting, by the host server, the one or more encrypted actions and storing the receipt. The method then includes, based on the decrypted one or more actions, notifying, by the host server, the user, via a mobile device of the user, of the receipt and accessibility of the receipt.