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71.发明公开公开(公告)号：US20230360059A1
公开(公告)日：2023-11-09
申请号：US18224933
申请日：2023-07-21
发明人： John Larko , Michelle L. Hafner , Bradford R. Dillahunty , Brenda Renee Hopkins , John D. Chisholm
IPC分类号： G06Q30/016 , G06Q30/06 , H04L67/10
CPC分类号： G06Q30/016 , G06Q30/06 , H04L67/10 , G06Q20/24
摘要： A computer system including a first network-based portal, a second network-based portal, and an analyzer computing device including at least one processor is provided. The at least one processor is configured to: (i) receive an initial data message including data elements, (ii) analyze, using machine learning tools, the data elements to determine to route the initial data message to the second network-based portal or to a processing computing device, (iii) in response to determining to route the initial data message to the second network-based portal, route the initial data message to the second network-based portal via a first network communication link, and (iv) in response to determining to route the initial data message to the processing computing device via a second network communication link, reformat the initial data message into a different protocol compatible with the second network communication link, and transmit the reformatted message to the processing computing device.
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公开(公告)号：US20230360018A1
公开(公告)日：2023-11-09
申请号：US18220246
申请日：2023-07-10
CPC分类号： G06Q20/325 , G06Q20/4093 , G06Q20/3223
摘要： Systems and methods are provided for distributing data to multiple data centers within a network based on unique information associated with the data. One example computer-implemented method includes receiving a request, from a service provider, for data stored at a data center and generating a group identifier based on the device ID specific to a device of a user. The method also includes identifying the data center based on the first group identifier and directing the request to the identified data center. The method then includes retrieving the data from the data center and returning the retrieved data to the service provider, in response to the request.
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公开(公告)号：US20230360014A1
公开(公告)日：2023-11-09
申请号：US18221172
申请日：2023-07-12
发明人： Florent HAY , Eddy VAN DE VELDE , Patrick MESTRE
IPC分类号： G06Q20/20 , H04W12/122 , G06Q20/36 , G06Q20/40 , G06F11/30 , G06Q20/32 , G06Q20/38 , G06F11/34 , G06N20/00 , G06Q20/34
CPC分类号： G06Q20/204 , G06F11/3006 , G06F11/3419 , G06N20/00 , G06Q20/202 , G06Q20/3415 , G06Q20/3825 , G06Q20/3829 , G06Q20/4016 , H04W12/122 , G06Q20/3226 , G06Q20/352 , G06Q20/36 , G06Q2220/00
摘要： A method for contactless payment relay attack protection includes receiving an online authorization request including a cryptogram, a measured processing time, and a reference processing time from a terminal. The cryptogram is verified, and a determination is performed as to whether the measured processing time exceeds the reference processing time. An online authorization response authorizing or declining a monetary transaction is transmitted, based on the determination. An artificial intelligence transaction analysis can be performed based on past and current conditions (e.g., battery level, operating system, open applications) of a payment device such as a mobile phone, past and current conditions of a terminal, and/or a monetary amount. The online authorization response can be based on the artificial intelligence transaction analysis.
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74.发明授权公开(公告)号：US11811911B2
公开(公告)日：2023-11-07
申请号：US17366496
申请日：2021-07-02
发明人： Steven C. Davis
CPC分类号： H04L9/0637 , H04L9/0643 , H04L9/3236 , H04L9/3239 , H04L9/50 , H04L63/10 , H04L2209/56
摘要： A method for generation of blocks for a partitioned blockchain includes: storing blocks comprising a partitioned blockchain, wherein each block includes a header and transaction entries; receiving transaction data entries for each of a plurality of subnets; generating a hash value of the header included in the most recently added block; generating a new block header, the new block header including the generated hash value, a timestamp, and a sequence of pairs including a pair for each of the plurality of subnets, each pair including a subnet identifier associated with the respective subnet and a merkle root of each of the transaction data entries received for the respective subnet; generating a new block, the new block including the generated new block header and the transaction data entries for each of the plurality of subnets; and transmitting the new block to a plurality of nodes associated with the partitioned blockchain.
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公开(公告)号：US20230352130A1
公开(公告)日：2023-11-02
申请号：US17285315
申请日：2021-04-13
CPC分类号： G16H10/65 , G06F21/602 , G06F21/64 , G16H40/20 , G06Q50/265
摘要： System and methods are provided for issuing, using and maintaining passes which may be used to show a current status of approved individuals. In some embodiments, the passes are health passes and the status is a health status.
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公开(公告)号：US20230351400A1
公开(公告)日：2023-11-02
申请号：US18349699
申请日：2023-07-10
IPC分类号： G06Q20/40 , G06Q30/018 , G06N20/00
CPC分类号： G06Q20/4016 , G06Q30/0185 , G06N20/00
摘要： A computing system for detecting a pattern of fraudulent network events in a payment card network is configured to continuously receive a plurality of scored transaction authorization requests each including a respective account number and a respective fraud score. The computing system is also configured to sort the scored transaction authorization requests into account ranges based the account number, and sort the transaction authorization requests within each of the account ranges into a fraud score range stripes based on the corresponding fraud score. The computing system is further configured to calculate, for the scored transaction authorization requests within each fraud score range stripe, a ratio of a cumulative metric for a shorter time period over a longer time period, and detect, in near real-time, a fraud event associated with one of the account ranges based on the ratio for one of the fraud score range stripes within the account range.
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公开(公告)号：US20230351349A1
公开(公告)日：2023-11-02
申请号：US18345283
申请日：2023-06-30
发明人： Amy C. Milam , Anita C. Galliani , Stephan J. Klaus , Walter Lo Faro , Lorrie M. Littlefield , Pauline Ow , Gautam Uppalapati , Thakur B. Kondasani
CPC分类号： G06Q20/102 , G06Q30/04
摘要： A computer system including a processor, in communication with a database, programmed to identify a plurality of billers from the database, including biller information, and receive a payee file including payee information identifying a payee which issued a bill to a payor. The processor determines an approximate match score for each of the billers in a first set of billers of the plurality of billers by comparing payee information to biller information and identifies a candidate list of billers from the first set of billers having an approximate match score indicating a likelihood of matching the payee information. The processor adjusts the candidate list of billers by altering the match score of at least one candidate biller by comparing a payee account number of the payee information to an account mask associated with the candidate biller and generates an output file of candidate biller information from the adjusted candidate list.
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公开(公告)号：US11805619B2
公开(公告)日：2023-10-31
申请号：US17546429
申请日：2021-12-09
发明人： Michael LaTorre , Travis McClintock
IPC分类号： H05K7/20
CPC分类号： H05K7/20145 , H05K7/20736
摘要： A data center rack assembly includes a rack, an electronic device, and an adjustable air duct. The rack includes a frame defining opposite first and second rack sides spaced apart in a longitudinal direction. The electronic device presents an intake side configured to receive air therethrough for passage into the electronic device. The electronic device is mounted to the frame such that the intake side is disposed intermediately between the rack sides and is spaced from the first rack side to define a longitudinal dimension therebetween. The duct includes relatively shiftable first and second duct sections that extend in the longitudinal direction to cooperatively present an adjustable longitudinal duct length, and a drive mechanism operably coupled to the first and second sections to control relative shifting of the sections in the longitudinal direction to thereby adjust the longitudinal duct length to correspond with the longitudinal dimension.
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公开(公告)号：US20230342751A1
公开(公告)日：2023-10-26
申请号：US18347049
申请日：2023-07-05
CPC分类号： G06Q20/3278 , G06Q20/405 , G06Q20/3224 , H04W4/80 , G06Q20/102 , G06Q20/4012
摘要： A contactless transaction terminal and method for interacting with a payment enabled mobile device to permit access to a location or to a service. The contactless transaction terminal includes a processor, a polling signal generator operably connected to the processor, an NFC circuit operably connected to the polling signal generator, and a receiver operably connected to the NFC circuit and to a data recovery circuit that is operably connected to the processor. Also included is a storage device operably connected to the processor. The storage device stores program instructions which when executed cause the processor to generate, via the polling signal generator, short-distance radio signals including at least three polling signals; emit, via the NFC circuit, the at least three polling signals at frequent intervals for detection by a payment-enabled mobile device; receive at least one of a Type A or Type B signal from the payment enabled mobile device; and permit access to at least one of a location or service.
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80.发明公开公开(公告)号：US20230342750A1
公开(公告)日：2023-10-26
申请号：US18343628
申请日：2023-06-28
发明人： Tim M. Watkins , Amanda Kay Gioia
CPC分类号： G06Q20/3278 , A47F9/046 , A47G27/02 , A61G5/04 , A61G5/10 , A47F2009/041
摘要： A payment facilitating and processing system includes a payment terminal. The payment terminal includes a processor and a first receiver. The first receiver is configured to communicate with the processor. The payment facilitating and processing system further includes a second receiver, which is also configured to communicate with the processor. The payment facilitating and processing system still further includes a mobility assistance device including a transmitter. The transmitter is configured to receive payment information from a payment apparatus and transmit the payment information to the second receiver upon positioning of the transmitter in close proximity to the second receiver.
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