公开(公告)号：US11915240B2

公开(公告)日：2024-02-27

申请号：US17510252

申请日：2021-10-25

Applicant: PAYPAL, INC.

Inventor： Carl Stone

IPC: G06Q20/10 ,  G06Q20/12 ,  G06Q20/32 ,  G06Q20/40 ,  G07F7/10 ,  G06Q30/0601 ,  G06Q40/12

CPC classification number: G06Q20/4012 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/12 ,  G06Q20/3267 ,  G06Q30/0641 ,  G06Q40/12 ,  G07F7/1025

Abstract: A payment button on a device, such as a mobile phone, allows the user to remain on the window or page from which an item was selected for purchase. When the user is ready to purchases, the button is selected, and the user simply enters an identifier, such as a password or PIN, and the transaction is processed. The button remains on the same screen and changes during different stages of the payment process.

公开(公告)号：US20240054461A1

公开(公告)日：2024-02-15

申请号：US18494257

申请日：2023-10-25

Applicant: Worldpay, LLC

Inventor： Dennis A. KETTLER ,  Ryan CLAPP

IPC: G06Q20/10 ,  G06Q20/12 ,  G06Q20/34 ,  G06Q30/06 ,  G06Q20/40

CPC classification number: G06Q20/10 ,  G06Q20/12 ,  G06Q20/352 ,  G06Q30/06 ,  G06Q20/40 ,  G06Q40/02

Abstract: A method for routing electronic payment transactions includes receiving transaction-related information from a merchant, extracting transaction routing criteria from the received transaction-related information, dynamically identifying one or more eligible payment networks based on extracted transaction routing criteria, predicting a likelihood of authorization acceptance for each identified network based on the transaction-related information, dynamically identifying one or more breakeven transaction amounts for each identified eligible payment network, each breakeven transaction amount defining a point at which two or more eligible payment networks have the same expenses for a given transaction amount, the expenses including costs associated with a low predicted likelihood of authorization acceptance, and routing signature debit transactions from the merchant to a least cost PIN-less debit network selected from the eligible payment networks based on identification of a desired breakeven transaction amount for the PIN-less debit network.

公开(公告)号：US11900341B1

公开(公告)日：2024-02-13

申请号：US18194574

申请日：2023-03-31

Applicant: Block, Inc.

Inventor： Emily Chiu ,  Khiry Shank ,  Cyrille Villaflores ,  Lainey Stewart ,  Claudia Ng

IPC: G06Q20/10 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q20/42 ,  G06Q30/0601

CPC classification number: G06Q20/10 ,  G06Q20/3678 ,  G06Q20/381 ,  G06Q20/389 ,  G06Q20/3821 ,  G06Q20/3827 ,  G06Q20/3829 ,  G06Q20/4016 ,  G06Q20/42 ,  G06Q30/0611 ,  G06Q2220/00

Abstract: A decentralized node may generate a network of decentralized nodes individually configured to store, receive, and transmit data based on rules associated with the decentralized nodes. A decentralized node may associate a decentralized identity of an entity with a select decentralized node of the decentralized nodes. A decentralized node may present a user interface including one or more access controls at a edge device, the access controls configuring rules to be applied to third-party access and modification of decentralized identity data associated within the decentralized identity of the entity and stored at the selected decentralized node. A decentralized node may identify the decentralized identity data accessible to the select decentralized node based on the rules. A decentralized node may store the decentralized identity data within the decentralized identity associated with the entity at the select decentralized node.

公开(公告)号：US20240046395A1

公开(公告)日：2024-02-08

申请号：US18230155

申请日：2023-08-03

Applicant: Maxsip Tel LLC

Inventor： Israel Max

IPC: G06Q50/26 ,  G06Q20/10 ,  G06Q20/40

CPC classification number: G06Q50/26 ,  G06Q20/10 ,  G06Q20/40

Abstract: Some embodiments relate to methods, systems, and devices for a provider of government-subsidized connectivity services (such as subsidized broadband connectivity; e.g., high-speed internet access) to automatically monitor the status of its subscribers in the government-subsidized connectivity services program, and to automatically and selectively re-enroll subscribers to receive the government-subsidized connectivity services through the provider in the event that the monitored status indicates that the subscriber is no longer enrolled to receive the government-subsidized connectivity services from the provider, such as if the subscriber has been de-enrolled from the government-subsidized connectivity service program, or if the subscriber has been transferred to a different provider of the government-subsidized connectivity service.

公开(公告)号：US20240046251A1

公开(公告)日：2024-02-08

申请号：US18490943

申请日：2023-10-20

Applicant: DeCurret DCP Inc.

Inventor： Kenichi SHIMIZU ,  Kazuyuki TSUJI

IPC: G06Q20/36 ,  G06Q20/38 ,  G06Q20/10

CPC classification number: G06Q20/367 ,  G06Q20/389 ,  G06Q20/10

Abstract: An electronic currency management system comprises: a common area blockchain network for managing a coin associated with a cash currency; a first additional area blockchain network for managing a first token associated with the coin; a first issuing unit configured to issue the coin on the common area blockchain network; a providing unit configured to associate the coin issued by the first issuing unit with the first additional area blockchain network; and a second issuing unit configured to issue the first token on the first additional area blockchain network based on an amount of the coin associated with the first additional area blockchain network by the providing unit.

公开(公告)号：US20240046231A1

公开(公告)日：2024-02-08

申请号：US18487294

申请日：2023-10-16

Applicant: GlobeOne LLC

Inventor： Jerry Ross

IPC: G06Q20/10 ,  G06Q40/00

CPC classification number: G06Q20/10 ,  G06Q40/00

Abstract: An example system can comprise a closed group of member financial institution servers. The system can comprise a data feed manager configured to communicate amongst the closed group of member financial institution servers over a network. The system can comprise a data aggregator configured to aggregate data related to transactions conducted by the closed group of member financial institution servers. The aggregated data can comprise an aggregated interest from the transactions. The system can comprise a distribution manager configured to determine one or more distribution levels for the member financial institutions and one or more seeding entities based on the aggregated data.

公开(公告)号：US20240046230A1

公开(公告)日：2024-02-08

申请号：US18341215

申请日：2023-06-26

Applicant: Worldpay, LLC

Inventor： Ramesh VIJAYARAGHAVAN

IPC: G06Q20/10 ,  G06Q20/38 ,  H04L67/104 ,  G06F21/62 ,  G06Q20/40 ,  H04L9/06 ,  G06Q30/06

CPC classification number: G06Q20/10 ,  G06Q20/382 ,  H04L67/104 ,  G06F21/62 ,  G06Q20/405 ,  H04L9/0637 ,  G06Q30/06

Abstract: Decentralized computer systems and methods are disclosed for hyperledger-based payment transactions, alerts, and dispute settlement, using smart contracts. One method includes: receiving transaction information comprising transaction data of transaction attributes for a transaction for a good or service originating at a merchant; storing the transaction data of the transaction attributes for the transaction, in a Smart Contract generated or updated by a Smart Contract application; deploying the Smart Contract into one or more blockchain networks, wherein at least one of the one or more blockchain networks; performing one or more iterations of enabling, using an inter ledger protocol, to transfer at least some of the transaction data of the transaction attributes of the transaction to another of the one or more blockchain networks, wherein each of the one or more blockchain networks serves one or more business functions of the transaction.

公开(公告)号：US11893585B2

公开(公告)日：2024-02-06

申请号：US16712895

申请日：2019-12-12

Applicant: Apple Inc.

Inventor： Peter J. Hare ,  Vijay Sundaram ,  Sudhakar N. Mambakkam ,  Venkatesh Venishetty ,  Vamsi K. Kondadasula ,  Quenton D. Jones

IPC: G06Q20/40 ,  H04W4/80 ,  G06Q20/10 ,  G06Q20/38 ,  H04L9/32 ,  H04W12/06

CPC classification number: G06Q20/40 ,  G06Q20/10 ,  G06Q20/385 ,  H04L9/3228 ,  H04W4/80 ,  H04W12/06

Abstract: A device implementing a system to associate a user account with a content output device includes at least one processor configured to receive an invitation to access content associated with a first user account on another device associated with a second user account, the other device being connected to a local area network. The at least one processor is further configured to send, to a server, a request for authorization to access the content associated with the first user account on the other device associated with the second user account, the request comprising information included with the invitation, and to receive, from the server, the authorization to access the content. The at least one processor is further configured to access, based at least in part on the authorization, the content associated with the first user account on the other device associated with the second user account.

公开(公告)号：US11887093B2

公开(公告)日：2024-01-30

申请号：US17226432

申请日：2021-04-09

Applicant: Visa International Service Association

Inventor： Diane C. Salmon ,  Meara Day ,  Leigh Amaro

IPC: G06Q20/20 ,  G06Q20/10 ,  G06Q20/22 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q30/02 ,  G06Q40/02 ,  G06Q20/06 ,  G06Q30/0226

CPC classification number: G06Q20/206 ,  G06Q20/06 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/227 ,  G06Q20/387 ,  G06Q20/40 ,  G06Q30/02 ,  G06Q30/0227 ,  G06Q40/02

Abstract: Multiple different non-financial loyalty currencies held by different issuers are used by a consumer as financial tender for a transaction with a merchant. Each issuer pays to a primary issuer the financial currency value of the non-financial loyalty currencies being held in return for a corresponding reduction of the balance of non-financial loyalty currency. For each reduced balance, the primary issuer adds an equivalent primary loyalty currency to a primary loyalty account for the consumer. The primary issuer pays the merchant for the transaction in financial currency and makes an equivalent reduction in the balance of the primary loyalty currency. The financial value of each loyalty currency may be dependent upon its use in a transaction with a competitor of a merchant supplying loyalty currency to the consumer.

公开(公告)号：US20240020662A1

公开(公告)日：2024-01-18

申请号：US18373720

申请日：2023-09-27

Applicant: Bank of America Corporation

Inventor： Daniel A. Carretta ,  Thomas M. Hancock ,  Karen K. Lewy ,  Charles R. Liu ,  Jack Meyers ,  Sheryl W. Strott ,  Faith A. Tucker ,  Carrie A. Hanson

IPC: G06Q20/10 ,  G06Q20/40 ,  G06Q40/02 ,  G06Q40/03

CPC classification number: G06Q20/10 ,  G06Q20/40 ,  G06Q40/02 ,  G06Q40/03

Abstract: A computer implemented method of processing a financial transaction executed by first person includes determining an automatic savings amount from the financial transaction by rounding up the amount of the financial transaction to the nearest dollar. The method further includes debiting the calculated savings amount from an account of the first person and crediting the savings amount to an account of a second person.