公开(公告)号：US20230351402A1

公开(公告)日：2023-11-02

申请号：US17661438

申请日：2022-04-29

申请人： Truist Bank

发明人： Sudeshna Banerjee ,  Paul Gerard Mistor

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

CPC分类号： G06Q20/322 ,  G06Q20/401 ,  G06Q20/425

摘要： A number of variations may include a mobile user device and back-end server system for remotely authorizing a user of a user mobile device proximate a point of interaction system for real-time transmission of contemporaneous interaction information from the point of interaction system to the user mobile device prior to its periodic deletion by the point of interaction system, the back-end server system non-collocated with both the user mobile device and the point of interaction system.

公开(公告)号：US20230334491A1

公开(公告)日：2023-10-19

申请号：US18026854

申请日：2020-11-24

申请人： Visa International Service Association

发明人： William Joseph Leddy, III

IPC分类号： G06Q20/40 ,  G06Q20/42

CPC分类号： G06Q20/401 ,  G06Q20/42

摘要： Disclosed are systems and methods for authenticating devices. The method includes generating a virtual authenticator comprising at least one authentication input, at least one account identifier associated with at least one payment account, and at least one device identifier of at least one client device, the virtual authenticator associated with a virtual authenticator identifier, receiving a transaction request message associated with a transaction between a user and a merchant made using an authentication input of the at least one authentication input and a client device of the at least one client device, the transaction request message comprising an account identifier associated with a payment account, linking the account identifier to the virtual authenticator, communicating an authorization request message to the issuer system, the authorization request message comprising the virtual authenticator identifier, receiving an authorization response message, and updating the virtual authenticator based on the authorization response message.

公开(公告)号：US11790334B1

公开(公告)日：2023-10-17

申请号：US18090039

申请日：2022-12-28

申请人： Block, Inc.

发明人： Rebecca Corcillo ,  Emily Chiu ,  Moiz Jangda ,  Megan Coleman ,  Tianlong Yun

IPC分类号： G06Q20/10 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q20/42 ,  G06Q30/06 ,  G06Q30/0601

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

摘要： Blockchain supported resource transfer communication protocol techniques are described. In an implementation, a semantic message is received encoding parameters to be implemented as part of a resource transfer involving a digital wallet. A quote is generated specifying attributes as part of implementing communication connections to perform the resource transfer in compliance with the parameters specified by the semantic message. An acceptance message is received indicating acceptance of the quote, the acceptance message including credentials of the digital wallet. Generation is initiated of an application executable as part of a blockchain as complying with the parameters and the attributes. Data describing the application as executable as part of the blockchain is transmitted for distribution to the digital wallet. The resource transfer is initiated through execution of the application as part of the blockchain.

公开(公告)号：US20230316279A1

公开(公告)日：2023-10-05

申请号：US18312438

申请日：2023-05-04

申请人： Proxense, LLC

发明人： John J. Giobbi

IPC分类号： G06Q20/40 ,  G06Q30/0601 ,  G06Q30/0207 ,  G06Q30/02 ,  G06Q20/42 ,  G06Q20/32 ,  G06V40/10

CPC分类号： G06Q20/40145 ,  G06Q20/322 ,  G06Q20/409 ,  G06Q20/42 ,  G06Q30/02 ,  G06Q30/0225 ,  G06Q30/0601 ,  G06V40/10 ,  G06Q30/0603

摘要： A system and method provide efficient, secure and fast automation of order processing. The method includes initiating an order by wirelessly receiving data from a personal digital key (PDK). The method also includes receiving a biometric input and confirming the initiation of the order by authenticating the biometric input. In response to authenticating the biometric input, the order is processed. In another embodiment, the method of further includes automatically initiating an order completion by wirelessly receiving data from a PDK. The method further includes receiving a biometric input and confirming the order completion by authenticating the biometric input. In response to authenticating the biometric input, the order is completed. In yet another embodiment, the method further includes processing rewards based on the order.

公开(公告)号：US20230306315A1

公开(公告)日：2023-09-28

申请号：US17702577

申请日：2022-03-23

申请人： AMADEUS S.A.S.

发明人： Jean Philippe PERRET ,  Marco SALIBBA ,  Jacques BONAUD ,  Michel DEMAZEAU ,  Emeline RADIGOIS

IPC分类号： G06Q10/02 ,  G06Q20/40 ,  G06Q20/42

CPC分类号： G06Q10/02 ,  G06Q20/401 ,  G06Q20/42

摘要： A method includes: maintaining, for a pool of items, an available quantity indicator; selecting a transferrable quantity associated with the pool of items; updating the available quantity indicator according to the transferrable quantity; obtaining a set of unique item identifiers equal in number to the transferrable quantity; publishing a set of transferrable item definitions equal in number to the transferrable quantity, each transferrable item definition including (i) a respective unique identifier, (ii) a cost, and (iii) an expiry time; receiving, prior to the expiry time, a conversion request including a unique identifier from a published transferrable item definition; and responsive to authentication of the conversion request, receiving purchaser identification data associated with the conversion request, and generating a purchase record corresponding to an item from the pool, the purchase record linking the purchaser identification data with the item.

公开(公告)号：US11756030B2

公开(公告)日：2023-09-12

申请号：US17190846

申请日：2021-03-03

申请人： eBay Inc.

发明人： Sergio Pinzon Gonzales, Jr.

IPC分类号： H04L9/32 ,  G06F21/62 ,  G06F21/10 ,  G06Q20/38 ,  H04L65/612 ,  H04L67/53 ,  H04L67/63 ,  G06Q20/40 ,  G06Q20/08 ,  G06Q40/08 ,  G06F21/30 ,  H04L9/06 ,  G06Q20/42 ,  G06Q30/018 ,  G06F21/60 ,  H04L9/30 ,  H04L9/40 ,  G06F21/64 ,  H04L9/00 ,  H04L67/52 ,  G06F16/27 ,  G06F16/18

CPC分类号： G06Q20/389 ,  G06F21/10 ,  G06F21/30 ,  G06F21/602 ,  G06F21/62 ,  G06F21/6218 ,  G06F21/6245 ,  G06Q20/0855 ,  G06Q20/3825 ,  G06Q20/3829 ,  G06Q20/401 ,  G06Q20/42 ,  G06Q30/018 ,  G06Q40/08 ,  H04L9/0637 ,  H04L9/0643 ,  H04L9/30 ,  H04L9/3236 ,  H04L9/3239 ,  H04L9/3247 ,  H04L9/3297 ,  H04L63/102 ,  H04L63/12 ,  H04L65/612 ,  H04L67/53 ,  H04L67/63 ,  G06F16/1805 ,  G06F16/27 ,  G06F21/645 ,  G06F2221/2107 ,  H04L9/50 ,  H04L67/52 ,  H04L2209/56

摘要： Technologies are shown for content distribution on a blockchain involving generating a content distribution data block on a content distribution data blockchain, that stores digital content, data identifying the digital content, an owner identifier, an access holder identifier, and a use conditions attribute for identifying use requirements for the digital content. A use requirement is defined in the use conditions attribute. An owner identified in the owner identifier sets the access holder identifier to an identifier for a user entity. An access request is received from the user entity and, in response, whether a current use condition of the user entity satisfies the use requirement in the use conditions attribute is verified. If it is verified that the current use condition of the user entity satisfies the use requirement in the use conditions attribute, the digital content is distributed to the first user entity.

公开(公告)号：US20230281635A1

公开(公告)日：2023-09-07

申请号：US17834677

申请日：2022-06-07

申请人： WORLDPAY, LLC

发明人： Rajiv RAMANJANI ,  Yogendra KATHERIA ,  Harsh SHARMA ,  Rahul Pramod NANDANWAR ,  Bhanu Sirisha POTHUKUCHI ,  Rohit V. RAUT ,  Milin KAPOOR

IPC分类号： G06Q20/42 ,  G06N20/20

CPC分类号： G06Q20/42 ,  G06N20/20

摘要： Systems and methods are disclosed for generating a prediction on chargeback representment based on probability data and/or results from a plurality of machine learning models. The method includes receiving data associated with at least one disputed transaction for at least one user, wherein the received data includes user-specific information and/or merchant-specific information. The received data is processed to calculate a probability of success in a chargeback representment for the at least one disputed transaction. A prediction is calculated based, at least in part, on the probability of success, one or more results from a plurality of machine learning models, or a combination thereof. A presentation is generated of at least one recommendation on the chargeback representment based, at least in part, on the prediction in a user interface of at least one device associated with the at least one user.

公开(公告)号：US20230267464A1

公开(公告)日：2023-08-24

申请号：US18309921

申请日：2023-05-01

申请人： Worldpay, LLC

发明人： Erik William BAAR ,  Patricia Lynn WALTERS

IPC分类号： G06Q20/40 ,  G06Q20/38 ,  G06Q20/42 ,  G06Q20/30

CPC分类号： G06Q20/401 ,  G06Q20/382 ,  G06Q20/38215 ,  G06Q20/3829 ,  G06Q20/425 ,  G06Q20/30

摘要： Systems, methods and apparatus are disclosed for remote management of payment terminals. Public keys, or other security elements can be received from a certification authority and distributed to the payment terminals. A merchant, or other entity affiliated with the payment terminals, can monitor the status of the software and security elements of the payment terminals.

公开(公告)号：US11727412B2

公开(公告)日：2023-08-15

申请号：US16719584

申请日：2019-12-18

申请人： MASTERCARD INTERNATIONAL INCORPORATED

发明人： Brett J. Thomson ,  Kyle Williams ,  David J. Senci ,  Blake Gibbons

IPC分类号： G06Q20/42 ,  G06Q20/38 ,  G06Q20/40

CPC分类号： G06Q20/42 ,  G06Q20/388 ,  G06Q20/401

摘要： Described herein is a data optimization computer system for optimizing transaction authorization request messages directed to an authorizing party. The computer system includes a historical transaction database, a merchant database, and a data optimization computing device. The historical transaction database stores a plurality of historical transaction records. The merchant database stores a first merchant registered with the optimization computer system. The data optimization computing device may analyze at least a subset of the historical transaction records to generate a set of optimization rules. The set of optimization rules identifies optimal values for an optimized transaction authorization request message. The optimized transaction authorization request message may be associated with an improved likelihood of resulting in a positive request outcome.

公开(公告)号：US11715097B2

公开(公告)日：2023-08-01

申请号：US17070267

申请日：2020-10-14

申请人： Visa International Service Association

发明人： Ayman Hammad

IPC分类号： G06Q20/36 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/22 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/38 ,  G06Q20/42

CPC分类号： G06Q20/36 ,  G06Q20/12 ,  G06Q20/204 ,  G06Q20/227 ,  G06Q20/325 ,  G06Q20/3226 ,  G06Q20/3227 ,  G06Q20/3278 ,  G06Q20/351 ,  G06Q20/352 ,  G06Q20/353 ,  G06Q20/385 ,  G06Q20/425

摘要： The CLOUD-BASED VIRTUAL WALLET NFC APPARATUSES, METHODS AND SYSTEMS (“EAE”) transform user enhanced security transaction initiation requests using EAE components into time-limited, session-specific transaction bounding tokens. In some implementations, the disclosure provides a processor-implemented method of transforming a transaction bounding token request into transaction bounded tokens and purchase authorizations.