公开(公告)号：US11854013B1

公开(公告)日：2023-12-26

申请号：US18054106

申请日：2022-11-09

Applicant: Wells Fargo Bank, N.A.

Inventor： Gerardo Costilla ,  Marria Wairnola Rhodriquez

IPC: G06Q20/10 ,  G10L15/00 ,  G06Q20/40 ,  G06Q20/42 ,  G10L15/26 ,  G06V30/148 ,  G06V40/16 ,  G06V30/10

CPC classification number: G06Q20/40145 ,  G06Q20/10 ,  G06Q20/407 ,  G06Q20/42 ,  G06V30/153 ,  G06V40/172 ,  G10L15/26 ,  G06V30/10

Abstract: A computing system may be configured to determine payment details for funds transfers from unstructured sets of data. The system may maintain historical transaction information associated with each of a plurality of users. The system may receive data associated with a transaction. The system may identify a user associated with the data, wherein the user is one of the plurality of users. The system may determine, based on contextual information of the data and the historical transaction information associated with the user, payment details about the transaction. The payment details may include a payment amount and one or more recipients. The system may execute a funds transfer for the payment amount from a source account associated with the user to one or more destination accounts associated with the one or more recipients.

公开(公告)号：US20230410071A1

公开(公告)日：2023-12-21

申请号：US17842299

申请日：2022-06-16

Applicant: Joshua Richard Lange

Inventor： Joshua Richard Lange

IPC: G06Q20/12 ,  G06Q20/38 ,  G06Q20/10 ,  G06Q20/22

CPC classification number: G06Q20/1235 ,  G06Q20/3821 ,  G06Q20/3827 ,  G06Q20/10 ,  G06Q20/389 ,  G06Q20/223 ,  G06Q20/381 ,  G06Q2220/00

Abstract: The present invention relates to a method, system, and program product related to creating and issuing digital credentials that represent an accomplishment and are linked to one or more digital assets on a peer-to-peer network, such as a blockchain. The method and system combine the features of micro-credentials, scholarships, and digitalization of assets into a single utility.

公开(公告)号：US20230410067A1

公开(公告)日：2023-12-21

申请号：US18211258

申请日：2023-06-17

Applicant: Pinch Financial Inc.

Inventor： Mark C. Attinger

IPC: G06Q20/10 ,  G06Q20/38 ,  G06Q20/40

CPC classification number: G06Q20/10 ,  G06Q20/389 ,  G06Q20/401

Abstract: This invention is a software tool that helps manage and process transactions. It can take a request, match it with the right customer or seller, figure out the transaction fees, and update all relevant databases. Also, it will notify the parties involved. This tool makes handling financial transactions easier and more efficient.

公开(公告)号：US11847638B2

公开(公告)日：2023-12-19

申请号：US16920888

申请日：2020-07-06

Applicant: The Western Union Company

Inventor： Kimberly Dunwoody

IPC: G06Q20/38 ,  G06Q20/22 ,  G06Q20/40 ,  G06Q40/00 ,  G06Q40/04 ,  G06Q20/32 ,  G06Q20/10

CPC classification number: G06Q20/381 ,  G06Q20/10 ,  G06Q20/223 ,  G06Q20/227 ,  G06Q20/326 ,  G06Q20/3221 ,  G06Q20/40 ,  G06Q40/00 ,  G06Q40/04

Abstract: A method includes establishing a first funds transfer account associated with a first device and a second funds transfer account with a second device, funding at least the first fund account, and selecting the second device as the recipient of a funds transfer from the first device. The method further includes sending a communications link request from the first device to the second device and receiving acceptance of the communications link request from the second device. The method then establishes a communications link between the first device and the second device, initiates a funds transfer from the first device to the second device, wherein the amount is designated at the first device, and verifies the funds transfer amount, the first funds transfer account, and the second funds transfer account. Then, the method transfers the amount to the second funds transfer account associated with second device.

公开(公告)号：US11842605B2

公开(公告)日：2023-12-12

申请号：US17857764

申请日：2022-07-05

Applicant: IGT

Inventor： Jeffery Shepherd ,  Kevin Higgins

IPC: G07F17/32 ,  G06Q20/10 ,  G06Q20/32

CPC classification number: G07F17/3225 ,  G06Q20/10 ,  G06Q20/322 ,  G07F17/3244

Abstract: The present disclosure relates generally to a system that utilizes a primary or central gaming establishment account to accumulate funds from one or more secondary or peripheral gaming establishment accounts and escrow such funds prior to use.

公开(公告)号：US11842394B2

公开(公告)日：2023-12-12

申请号：US17322218

申请日：2021-05-17

Applicant: BGC PARTNERS, INC.

Inventor： Matthew W. Claus ,  James R. Driscoll ,  James C. Johnson

IPC: G07F17/32 ,  G06Q40/04 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q40/00 ,  G06Q40/06 ,  G06Q30/0283

CPC classification number: G06Q40/04 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q30/0283 ,  G06Q40/00 ,  G06Q40/06

Abstract: A system for processing trading orders comprises an optimizer module operable to receive a first trading order and a second trading order. The optimizer module is further operable to receive market data associated with at least one market center. The optimizer module is further operable to determine whether to transmit the second trading order to the at least one market center prior to transmitting the first trading order to the at least one market center, the determination based at least in part on the market data.

公开(公告)号：US20230385953A1

公开(公告)日：2023-11-30

申请号：US18366499

申请日：2023-08-07

Applicant: Xero Limited

Inventor： Rodney Kenneth Drury ,  Matthew John Vickers

IPC: G06Q40/12 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q20/22 ,  G06Q20/02

CPC classification number: G06Q40/128 ,  G06Q20/108 ,  G06Q20/4037 ,  G06Q40/12 ,  G06Q20/227 ,  G06Q20/027 ,  G06Q20/10 ,  G06Q20/40

Abstract: Automated provisioning, according to one example embodiment, enables a mutual customer to establish an intelligent and automated connection between an accounting software system and their financial institution. For example, this might be achieved by allowing a financial institution customer to make feeds from their bank accounts available to the accounting software system within financial internet software (e.g., hosted and operated by the customer's financial institution). Once a customer selects the bank account(s) they want to share with the accounting software system, they are passed along to the accounting software system to link the selected bank account with an account they have set up in the accounting software system.

公开(公告)号：US20230385923A1

公开(公告)日：2023-11-30

申请号：US18202715

申请日：2023-05-26

Applicant: Divergent Technologies Ltd.

Inventor： Arran Schlosberg

IPC: G06Q30/08 ,  G06Q20/10 ,  H04L9/08 ,  H04L9/32

CPC classification number: G06Q30/08 ,  G06Q20/10 ,  H04L9/0825 ,  H04L9/3213 ,  G06Q2220/00

Abstract: A system and method for enabling cryptographically sealed (encrypted) auction bids for one or more items, from one or more bidders, based on an Elliptic-Curve Diffie-Hellman (ECDH) cryptographic key exchange on a blockchain-based smart contract. A Diffie-Hellman key exchange is a method for securely exchanging cryptographic keys over a public channel, and allows two parties that have no prior knowledge of each other to jointly establish a shared secret—a value known only to the parties involved in the exchange but not to any eavesdropper. This shared secret can be then used as a key to encrypt subsequent communications, such as a specific bid, using a symmetric-key cipher.

公开(公告)号：US20230385842A1

公开(公告)日：2023-11-30

申请号：US17804226

申请日：2022-05-26

Applicant: JPMorgan Chase Bank, N.A.

Inventor： Kumar Rao KRISHNAGI ,  Sharmila PRAKASH ,  Jerome JOSEPH ,  Nalini Sreeram BODA ,  Vijay Kumar PERLA ,  Mark Alan WELLS ,  Matthew J PORTER ,  Kritsakorn CHAUMPANICH

IPC: G06Q20/40 ,  G06Q20/38 ,  G06Q20/10

CPC classification number: G06Q20/405 ,  G06Q20/389 ,  G06Q20/10

Abstract: Various methods, apparatuses/systems, and media for automatically detecting discrepancy between preset data and input data are provided. A processor implements a platform and language agnostic smart data discrepancy detection module that automatically detects discrepancy between preset data and input data (i.e., larger than the preset data) during data processing of a commercial transaction involving a gratuity, particularly when a credit card payment is being made. The processor also implements an optimized processes of conducting a commercial transaction that includes a gratuity data based on user preferences that are obtainable from an application during execution thereof, and automatically alerts the user when data discrepancy is detected, i.e., when the gratuity data is more than preset gratuity data set by the user on the application.

公开(公告)号：US11823158B2

公开(公告)日：2023-11-21

申请号：US17931475

申请日：2022-09-12

Applicant: Five Stars Loyalty, Inc.

Inventor： Matthew David Doka ,  Victor Shaun Ho ,  Patrick Lucas ,  Michael Hsu ,  Sarah Calvillo ,  Joshua Christopher Wilson ,  Andre Prudhomme

IPC: G06Q20/20 ,  G06Q20/10

CPC classification number: G06Q20/209 ,  G06Q20/10 ,  G06Q20/202

Abstract: A point of sale application may initially process a transaction between a customer and a merchant. While the point of sale application processes the transaction, an add-on application may monitor a current state of a user interface of the point of sale application. Upon recognizing a triggering event associated with the current state of the user interface, the add-on application may take over the processing of the transaction from the point of sale application. Upon completion of the processing of the transaction, the add-on application may return a result of the transaction to the point of sale application by emulating user actions on the user interface of the point of sale application.