利索-全球专利检索

  1. 登录
  2. 注册

搜索结果

2897 条记录 (耗时 0.037 秒)

    PREDICTIVE REVENUE DISTRIBUTION USING A REAL-TIME PAYMENT NETWORK
    2.
    发明公开
    PREDICTIVE REVENUE DISTRIBUTION USING A REAL-TIME PAYMENT NETWORK 审中-公开

    公开(公告)号：US20240289893A1

    公开(公告)日：2024-08-29

    申请号：US18113806

    申请日：2023-02-24

    申请人： American Express Travel Related Services Company, Inc.

    发明人： Dean Ernest Arthur NICOLSON

    IPC分类号： G06Q40/12 ,  G06Q20/10

    CPC分类号： G06Q40/12 ,  G06Q20/102

    摘要： Disclosed herein are system, method, and computer program product embodiments for providing predictive revenue distribution using machine learning and a Real-Time Payment (RTP) network. A revenue distribution system may train and apply a machine learning model to merchant transaction records to generate a predicted revenue amount. The revenue distribution system may deposit predicted revenue amounts to provide predictive funding for merchant accounts. For example, this may provide same-day and/or next-day funding. The revenue distribution system may account for differences in predicted revenue amounts and actual transaction amounts by adjusting the deposits of subsequent days. The revenue distribution system may also account for different periods of time, such as several days, a week, or longer. The revenue distribution system may also detect potentially fraudulent transaction amounts and/or may aid in monitoring business performance based on a detected difference between a predicted revenue amount and a provided transaction amount.

    OPTIMAL ROUTING OF PAYMENTS
    5.
    发明公开
    OPTIMAL ROUTING OF PAYMENTS 审中-公开

    公开(公告)号：US20240257138A1

    公开(公告)日：2024-08-01

    申请号：US18101708

    申请日：2023-01-26

    申请人： American Express Travel Related Services Company, Inc.

    发明人： Michael S. Zoratti ,  Tristan M. Fuentes ,  Nicolas R.J. Blackwell

    IPC分类号： G06Q20/40 ,  G06Q20/08

    CPC分类号： G06Q20/405 ,  G06Q20/0855

    摘要： Disclosed are various embodiments for optimal routing of payments. A global transaction router hosted by a supernetwork instance can receive a payment request, where the payment request specifies an identifier for a recipient institution. The global transaction router can identify a plurality of routes from the global transaction router to a plurality of respective destination network hubs associated with the recipient institution. The global transaction router can calculate a score for individual routes of the plurality of routes, where the score is based on a plurality of routing factors. The routing factors can be weighted based at least in part on routing preferences included with the payment request. The global transaction router can select one of the plurality of routes based on the score and cause the payment request to be provided to a destination network hub on the one of the plurality of routes.

    PAYMENT NETWORK TRANSACTION SCHEDULER
    8.
    发明公开
    PAYMENT NETWORK TRANSACTION SCHEDULER 审中-公开

    公开(公告)号：US20240249256A1

    公开(公告)日：2024-07-25

    申请号：US18101046

    申请日：2023-01-24

    申请人： American Express Travel Related Services Company, Inc.

    发明人： Benjamin J. Cane ,  Sunil Patel ,  Prakasam Duraisamy

    IPC分类号： G06Q20/10 ,  G06Q20/38

    CPC分类号： G06Q20/10 ,  G06Q20/38

    摘要： Disclosed are various embodiments for implementing scheduled transactions within a payment network. A computing device first determines that a trigger has occurred for a scheduled transaction for a first payment network. Then, the computing device identifies a network identifier for the recipient and a participant identifier for a recipient of the scheduled transaction. Next, the computing device determines, based at least in part on the network identifier, that the recipient of the scheduled transaction is associated with a second payment network. Subsequently, the computing device generates a payment request representing the scheduled transaction, the payment request comprising the network identifier for the recipient and the participant identifier for the recipient. Then, the computing device forwards the payment request to a global transaction router of a supernetwork.