公开(公告)号：US20140258547A1

公开(公告)日：2014-09-11

申请号：US13788629

申请日：2013-03-07

申请人： FISERV, INC.

发明人： David Francis Scavo ,  Barbara Wilson Whiteside

IPC分类号： H04L29/06

CPC分类号： H04L63/0815 ,  H04L29/06 ,  H04L67/02 ,  H04L67/141 ,  H04W12/06

摘要： Systems, methods and computer-readable media are disclosed for performing single sign-on processing between associated mobile applications. The single sign-on processing may include processing to generate an interaction session between a user and a back-end server associated with a mobile application based at least in part on one or more existing interaction sessions between the user and one or more back-end servers associated with one or more other mobile applications. In order to establish an interaction session with an associated back-end server, a mobile application may leverage existing interaction sessions that have already been established in connection with the launching of other associated mobile applications.

公开(公告)号：US20140188715A1

公开(公告)日：2014-07-03

申请号：US13731860

申请日：2012-12-31

申请人： FISERV, INC.

发明人： Todd Christopher Barlok ,  Michelle Mann Flint ,  Ashley Eigher Noto ,  Timothy Patrick Sheehan

IPC分类号： G06Q20/14

CPC分类号： G06Q20/102

摘要： Systems and methods that receive one or more images and based at least in part on the received images identify information associated with a bill and information associated with a mode of payment and, based at least in part on the information associated with the bill and information associated with the mode of payment, effectuate a financial transaction.

摘要翻译： 接收一个或多个图像并且至少部分地基于接收到的图像的系统和方法识别与账单相关联的信息和与支付方式相关联的信息，并且至少部分地基于与账单相关联的信息和相关联的信息 以付款方式，实行金融交易。

公开(公告)号：US20140095392A1

公开(公告)日：2014-04-03

申请号：US14100242

申请日：2013-12-09

申请人： FISERV, INC.

发明人： David T. Rose ,  Donald Henry Hopper, JR. ,  Kejun Zhang

IPC分类号： G06Q20/22

CPC分类号： G06Q40/02 ,  G06Q20/22 ,  G06Q40/00

摘要： Systems and methods for optimizations involving insufficient funds conditions are provided. An identification of a first account of a customer of a financial institution may be received by a financial system comprising one or more computers. The first account may be a deposit account at the financial institution. Interest income and non-interest income attributable to one or more of a plurality of accounts, including the first account, that the customer has with the financial institution may be analyzed by the financial system. Based at least in part on the analyzed interest income and non-interest income, a recommended next action associated with the first account may be determined by the financial system. The recommended next action may be associated with an actual or potential insufficient funds (NSF) condition associated with the first account.

摘要翻译： 提供了涉及资金条件不足的优化制度和方法。 可以由包括一个或多个计算机的金融系统接收对金融机构的客户的第一帐户的识别。 第一个帐户可能是金融机构的存款账户。 金融系统可以分析归属于客户与金融机构的多个账户（包括第一个账户）中的一个或多个的利息收入和非利息收入。 至少部分基于分析的利息收入和非利息收入，与第一个帐户相关的推荐下一个行动可以由金融系统确定。 推荐的下一个操作可能与与第一个帐户相关联的实际或潜在的不足的资金（NSF）条件相关联。

公开(公告)号：US20130054452A1

公开(公告)日：2013-02-28

申请号：US13221070

申请日：2011-08-30

申请人： Ralph D. Au ,  Lori Irene Stepp ,  Todd Alan Weiss

发明人： Ralph D. Au ,  Lori Irene Stepp ,  Todd Alan Weiss

IPC分类号： G06Q40/00

CPC分类号： G06Q20/102 ,  G06Q40/02

摘要： Systems and methods for activating electronic bill presentment are provided. Payment history information associated with one or more payments made on behalf of a payor to a biller may be identified. Additionally, at least one biller-specified condition associated with automatic activation of the electronic presentment of bills of the biller for the payor may be identified. Based at least in part upon an analysis of the payment history information, a determination may be made that the at least one biller-specified condition has been satisfied, and the automatic activation of the electronic presentment of bills of biller for the payor may be facilitated.

摘要翻译： 提供了激活电子票据呈现的系统和方法。 可以识别与代表支付者给付者的一个或多个付款相关联的付款历史信息。 此外，可以识别与用于付款人的帐单的账单的电子呈现的自动激活相关联的至少一个帐单指定条件。 至少部分地基于对支付历史信息的分析，可以确定已经满足了至少一个报价者指定的条件，并且可以促进为付款人提供账单的电子账单的自动激活 。

公开(公告)号：US20120166264A1

公开(公告)日：2012-06-28

申请号：US12977557

申请日：2010-12-23

申请人： Douglas Shum ,  Jonathan Nordhausen ,  Cynthe Bailey ,  Brett Erlandson ,  Jeremy Wieser

发明人： Douglas Shum ,  Jonathan Nordhausen ,  Cynthe Bailey ,  Brett Erlandson ,  Jeremy Wieser

IPC分类号： G06Q30/00

CPC分类号： G06Q30/02

摘要： Systems and methods can provide customer rewards programs. Example embodiments can include a rewards program that includes: identifying a rewards program associated with a financial institution to reward a customer of the financial institution; and identifying at least one rewards rule associated with the rewards program that indicates at least one reward to be provided if multiple criteria are satisfied. Upon determining that the criteria are satisfied, a transaction can be generated to provide a reward for the customer.

摘要翻译： 系统和方法可以提供客户奖励计划。 示例性实施例可以包括奖励计划，其包括：识别与金融机构相关联的奖励计划以奖励金融机构的客户; 以及识别与所述奖励计划相关联的至少一个奖励规则，其指示如果满足多个标准则要提供的至少一个奖励。 在确定满足标准时，可以生成交易以向客户提供奖励。

公开(公告)号：US20100306094A1

公开(公告)日：2010-12-02

申请号：US12473837

申请日：2009-05-28

申请人： Robert T. Homer ,  Mary Elizabeth Lawson ,  Donald Kenneth Hobday, JR. ,  Hans Daniel Dreyer

发明人： Robert T. Homer ,  Mary Elizabeth Lawson ,  Donald Kenneth Hobday, JR. ,  Hans Daniel Dreyer

IPC分类号： G06Q40/00 ,  G06F17/30

CPC分类号： G06Q40/02 ,  G06Q40/00

摘要： Systems, methods, and apparatus for identifying payees from cleared items posted to a financial account are provided. Information associated with one or more cleared items posted to a financial account of a consumer may be obtained. Based at least in part on the obtained information, at least one payee may be identified. A suggestion to add the identified at least one payee as one of an electronic biller of the consumer or a payee of the consumer for online payment functionality may be generated, wherein receiving an acceptance of the suggestion facilitates activation of an associated service for the consumer by a service provider. The generated suggestion may be transmitted to a network entity for presentation to the consumer.

摘要翻译： 提供了系统，方法和设备，用于识别已发布到财务帐户的已清除项目的收款人。 可以获得与发布到消费者的财务帐户的一个或多个已清除项目相关联的信息。 至少部分地基于获得的信息，可以识别至少一个收款人。 可以生成将所识别的至少一个收款人添加为消费者的电子账单者或者用于在线支付功能的消费者的收款人之一的建议，其中接收该建议的接受有助于通过以下方式激活消费者的相关服务： 服务提供商 生成的建议可以被发送到网络实体以呈现给消费者。

公开(公告)号：US20100306091A1

公开(公告)日：2010-12-02

申请号：US12473851

申请日：2009-05-28

申请人： Robert T. Homer ,  Mary Elizabeth Lawson ,  Donald Kenneth Hobday, JR. ,  Hans Daniel Dreyer

发明人： Robert T. Homer ,  Mary Elizabeth Lawson ,  Donald Kenneth Hobday, JR. ,  Hans Daniel Dreyer

IPC分类号： G06Q30/00 ,  G06Q10/00 ,  G06F17/30 ,  G06F15/16 ,  G06F17/00 ,  G06F3/048 ,  G06Q40/00 ,  G06K9/00

CPC分类号： G06Q40/02 ,  G06Q30/04 ,  G06Q40/12

摘要： Systems, methods, and apparatus for establishing payees based on cleared items posted to a financial account are provided. Information associated with a cleared item posted to a financial account of a consumer may be obtained. Based at least in part on the obtained information, a payee associated with the cleared item may be identified. A form may be generated for activating, at a service provider, at least one of online payment functionality for payments made to the payee by the service provider on behalf of the consumer or electronic bill presentment of billing information of the payee to the consumer through the service provider. The form may be transmitted to a network entity for presentation to the consumer.

摘要翻译： 提供了基于发放到财务账户上的已清除项目来建立收款人的系统，方法和设备。 可以获得与发布到消费者的财务帐户的已清除项目相关联的信息。 至少部分地基于获得的信息，可以识别与被清除的项目相关联的收款人。 可以生成表单，用于在服务提供商处激活由服务提供商代表消费者向收款人支付的付款的至少一个功能，或者通过以下方式向消费者呈现收款人的收款人的计费信息 服务提供者。 该形式可以被发送到网络实体以呈现给消费者。

公开(公告)号：US20100241487A1

公开(公告)日：2010-09-23

申请号：US12408521

申请日：2009-03-20

申请人： Steven Wolfson ,  Igor Ofenbakh

发明人： Steven Wolfson ,  Igor Ofenbakh

IPC分类号： G06Q40/00 ,  G06Q10/00 ,  G06N5/02

CPC分类号： G06Q40/08 ,  G06Q20/10 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/025

摘要： Systems and methods may be provided for deposit prediction based upon template matching. The system and methods may include receiving deposit information associated with a plurality of deposits for a deposit account of a financial institution customer, where the deposit information includes a plurality of deposit amounts, and a respective date associated with each of the plurality deposit amounts; identifying, based upon the received deposit information, one or more deposit patterns by applying one or more template patterns to the deposit information and determining that one or more of the applied template patterns match at least a portion of the deposit information; and generating an indication of the identified one or more deposit patterns.

摘要翻译： 可以提供基于模板匹配的沉积物预测的系统和方法。 系统和方法可以包括接收与金融机构客户的存款帐户相关联的存款信息，其中存款信息包括多个存款金额以及与多个存款金额中的每一个相关联的相应日期; 基于所接收的存款信息，通过将一个或多个模板模式应用于存款信息并确定所应用的模板模式中的一个或多个与存储信息的至少一部分匹配来识别一个或多个存款模式; 以及产生所识别的一个或多个沉积模式的指示。

公开(公告)号：US07770002B2

公开(公告)日：2010-08-03

申请号：US11505510

申请日：2006-08-17

申请人： Frank Weber

发明人： Frank Weber

IPC分类号： H04L9/32

CPC分类号： G07F7/1025 ,  G06F21/36 ,  G06F21/445 ,  G06Q20/341 ,  G06Q20/40145 ,  G07C9/00142 ,  G07F7/1008

摘要： Methods and devices are provided for two-way authentication. In one example, a method prompts a user for an account number and a PIN. Upon authentication of the account number and the PIN, an e-mail having a link to a new session is sent to the user. If the account number and the PIN were authenticated, a custom background preselected by the user is presented in the new session and a password is requested. Use of the custom background preselected by the user may help the user authenticate the computer system to which he is attempting to gain entry. Upon authentication of the password, entry to a computer system is permitted. To provide optional, enhanced anti-phishing capability, if the account number and the PIN were not authenticated, the an indication may be made that the e-mail message is being sent.

摘要翻译： 提供方法和设备用于双向认证。 在一个示例中，方法提示用户帐号和PIN。 通过帐号和PIN的认证，具有到新会话的链接的电子邮件被发送给用户。 如果帐号和PIN被认证，则在新会话中呈现由用户预先选择的自定义背景并请求密码。 使用用户预先选择的自定义背景可能有助于用户验证他正尝试进入的计算机系统。 密码验证后，允许进入计算机系统。 为了提供可选的增强的反网络钓鱼功能，如果帐号和PIN未被认证，则可以指示发送电子邮件消息。

公开(公告)号：US20240362604A1

公开(公告)日：2024-10-31

申请号：US18767436

申请日：2024-07-09

申请人： Fiserv, Inc.

发明人： Jacob Whitaker Abrams ,  Seihee Chon ,  Vincent Durieux ,  Eric David Fuhs ,  Brian Jeremiah Murray ,  Victor Pan ,  Sam Niansheng Qiu ,  Bambi Tsui ,  Siva Raja Sekhar Reddy Yeruva

IPC分类号： G06Q20/20 ,  H04L9/08 ,  H04L9/32

CPC分类号： G06Q20/202 ,  H04L9/0841 ,  H04L9/3247 ,  H04L9/3263

摘要： Systems and methods involving secure connections between security meshes are disclosed herein. One disclosed device includes a first security processor located within a first security mesh, a first casing having a connector and supporting the first security mesh and the applications processor, a second security processor located within a second security mesh, and a second casing connected to the first casing via the connector and supporting the second security mesh. The first security processor and second security processor are programmed to generate a unique pre-shared key independently on both the first security processor and the second security processor using an elliptic key exchange and establish a secure connection between the first security processor and the second security processor using the unique pre-shared key.