-
公开(公告)号：US11710118B1
公开(公告)日：2023-07-25
申请号：US17102202
申请日：2020-11-23
发明人： Stephen M. Ellis , Michael J. Kennedy , Ashish Bhoopen Kurani , Melissa Lowry , Uma Meyyappan , Bipin Sahni , Nikolai Stroke
IPC分类号： G06Q20/36 , G06Q20/32 , G06Q30/0238 , G06Q20/10 , G06K7/14 , G06K19/06 , G06Q30/0251 , G06Q20/38 , G06Q20/40 , G06Q40/02
CPC分类号： G06Q20/36 , G06K7/1413 , G06K19/06028 , G06Q20/10 , G06Q20/3223 , G06Q20/3224 , G06Q20/3274 , G06Q20/367 , G06Q20/3821 , G06Q20/405 , G06Q30/0238 , G06Q30/0255 , G06Q30/0261 , G06Q30/0267 , G06Q20/3221 , G06Q40/02
摘要： A mobile device includes at least one processor, a memory and computer-executable instructions stored thereon. The mobile device is structured to determine first geolocation information indicative of a location of the mobile device and determine, based on the first geolocation information, that the mobile device is located within a predetermined geographic region from a plurality of merchant locations. The mobile device generates an electronic alert message regarding the plurality of merchant locations and displays the electronic alert message to the user. The mobile device determines a user selection of a payment card via a mobile wallet application running on the mobile device. Second geolocation information regarding a location of the mobile device is determined. A code generate a code for a purchase transaction is generated. The code includes the second geolocation information, tokenized payment card information, and a merchant identifier.
-
公开(公告)号：US11694192B1
公开(公告)日：2023-07-04
申请号：US17693090
申请日：2022-03-11
发明人： Stephen M. Ellis , Michael J. Kennedy , Ashish Bhoopen Kurani , Melissa Lowry , Uma Meyyappan , Bipin Sahni , Nikolai Stroke
CPC分类号： G06Q20/3674 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/105 , G06Q20/20 , G06Q20/32
摘要： A computer system includes one or more processors and machine readable storage media coupled to the one or more processors having instructions stored therein that cause the computer system to: receive a request for a dynamic token on behalf of a payor; route the request to a first financial institution; receive a message from a second financial institution including a merchant identifier and the dynamic token having a code comprising account information of the payor; identify the first financial institution based on the code; route the dynamic token and the merchant identifier to the first financial institution; receive the account information of the payor; and route the account information of the payor to the second financial institution to process a payment from an account of the payor to an account of the merchant.
-
公开(公告)号：US11587058B1
公开(公告)日：2023-02-21
申请号：US15870507
申请日：2018-01-12
摘要： A computer system receives an indication from a user that the user wishes to perform a mobile wallet transaction to transfer funds to a recipient using a mobile device. The transaction is authenticated by the computer system. The authentication includes receiving login credentials manually entered by the user and determining that the login credentials match stored login credentials for the user. The authentication further includes determining that the mobile device has a device token stored thereon that matches a device token stored in a database of the computer system. The device token uniquely identifies the mobile device in the computer system. The authentication further includes determining that the mobile device has a customer token stored thereon that matches the customer token stored in the database. The customer token uniquely identifying the customer in the computer system. The computer system transmits the funds to the recipient responsive to the authenticating step.
-
公开(公告)号：US11574359B1
公开(公告)日：2023-02-07
申请号：US16044370
申请日：2018-07-24
发明人： Deborah M. Ball , Susanne Carr , Stephen M. Ellis , Lei Han , Margaret Mangot , Stanislav Roumiantsev , Abhijit Shetti , Brad J. Shoff
摘要： A financial institution computing system associated with a financial institution includes an account management circuit. The account management circuit is configured to receive, by the network interface, a customer request to establish a checking account at the financial institution, create first and second checking accounts for the customer, the first checking account having a payment card associated therewith, the second checking account not having any payment cards associated therewith, receive, by the network interface, information regarding a funding amount for the first and second payment accounts, receive, by the network interface, information regarding a first expense of the customer, and fund the second account with a first portion of the funding amount based on the information regarding the first expense.
-
公开(公告)号：US11361307B1
公开(公告)日：2022-06-14
申请号：US16806893
申请日：2020-03-02
发明人： Stephen M. Ellis , Michael J. Kennedy , Ashish Bhoopen Kurani , Melissa Lowry , Uma Meyyappan , Bipin Sahni , Nikolai Stroke
摘要： A computer-implemented method includes receiving, by a recipient bank computer system, a previously used token from a point of sale (POS) device, the previously used token identifying a previous transaction as transferring funds to a merchant from a payor associated with the recipient bank computer system. The method also includes transmitting, by the recipient bank computer system, the previously used token to a messaging hub computer system. The method also includes receiving, by the recipient bank computer system, at least one of a card number or a payment credential, from the messaging hub computer system, the at least one of the card number or the payment credential associated with the previous transaction. The method also includes processing, by the recipient bank computer system, a refund using the at least one of the card number or the payment credential.
-
公开(公告)号：US20210019741A1
公开(公告)日：2021-01-21
申请号：US14266556
申请日：2014-04-30
摘要： One embodiment of the present disclosure relates to a computer-implemented method that includes sending, by a mobile wallet server, an identification number that is part of a substitute card number to be used by a mobile device as a mobile wallet, determining an actual card number based on the substitute card number and sending the actual card number and the identification number for processing a payment.
-
公开(公告)号：US10853791B1
公开(公告)日：2020-12-01
申请号：US15604357
申请日：2017-05-24
发明人： Stephen M. Ellis , Ashish B. Kurani
摘要： A mobile wallet computing system associated with a mobile wallet database includes a mobile wallet circuit structured to present a mobile wallet interface to a mobile wallet user. The mobile wallet interface includes a first portion that includes a graphical depiction of a user payment vehicle associated with a financial institution, the first portion including a first interaction point that enables the user to initiate a sequence to engage in a mobile wallet transaction using the mobile wallet. The interface also includes a second portion that includes a second interaction point and a third interaction point, the second interaction point enabling the user to access a functionality enabling the user to indicate a transaction preference for a transaction with an entity other than the mobile wallet provider or financial institution, the third interaction point enabling the user to indicate a preference to initiate communications with the financial institution.
-
公开(公告)号：US10769621B1
公开(公告)日：2020-09-08
申请号：US16101133
申请日：2018-08-10
发明人： Stephen M. Ellis , Michael J. Kennedy , Ashish Bhoopen Kurani , Melissa Lowry , Uma Meyyappan , Bipin Sahni , Nikolai Stroke
摘要： A computer-implemented method includes receiving, by a merchant computer system associated with a merchant, a token provided by a mobile device to a point of sale (POS) device. The token identifies a transaction between the merchant and a payor. The method also includes determining, by the merchant computer system, that the transaction is a refund transaction based on the token. The method also includes determining, by the merchant computer system, a previously used token based on the token. The previously used token is associated with the transaction. The method also includes transmitting, by the merchant computer system, the previously used token to a recipient bank computer system. The method also includes receiving, by the merchant computer system, an approval or decline message for the refund transaction. The method also includes transmitting, by the merchant computer system, the approval or decline message to the POS device.
-
公开(公告)号：US10757254B1
公开(公告)日：2020-08-25
申请号：US16422695
申请日：2019-05-24
发明人： Stephen M. Ellis , Bipin Sahni , David Hatch , Shahid Razzaq
摘要： One or more embodiments of techniques or systems for intelligent data presentation are provided herein. Data can be presented on similar devices having different characteristics in different manners. For example, data may be rendered in a first manner on a first device having one monitor, the same data may be rendered in a second manner on a second device having two displays or a different display size. Financial information, sales data, banking information, etc. may be presented in a variety of ways based on capabilities or properties of a device accessing the information or data. Similarly, renderings may be selected based on interaction capabilities or interaction options a user may have with different renderings or presentations. In other embodiments, user interaction with an automated teller machine (ATM), call center, vehicle, or other interface can be based on device properties or device capabilities.
-
公开(公告)号：US10445761B1
公开(公告)日：2019-10-15
申请号：US15445691
申请日：2017-02-28
发明人： Stephen M. Ellis , Michael J. Kennedy , Ashish Bhoopen Kurani , Melissa Lowry , Uma Meyyappan , Bipin Sahni , Nikolai Stroke
摘要： A system includes network interface logic configured to receive offers from merchants, an offer engine configured to determine an offer from the offers to present on a mobile device based on a characteristic of a user of the mobile device, and a code generator configured to generate a code and embed information in the code. The network interface logic is configured to receive, from the mobile device, a request for the code to provide to a merchant associated with the offer, send the code to the mobile device for the merchant to receive at a point of sale, and receive a request for funds from the merchant that includes an amount of a transaction in accordance with the offer. The system also includes account processing logic configured to send the requested funds to the merchant upon verifying the offer was accepted by the user of the mobile device.
-
-
-
-
-
-
-
-
-
搜索结果
83 条记录 (耗时 0.031 秒)
