利索-全球专利检索

  1. 登录
  2. 注册

搜索结果

2433 条记录 (耗时 0.041 秒)

    Dynamic code payment card verification
    5.
    发明授权
    Dynamic code payment card verification 有权

    公开(公告)号：US12118561B1

    公开(公告)日：2024-10-15

    申请号：US17691979

    申请日：2022-03-10

    申请人： United Services Automobile Association (USAA)

    发明人： Patrick Adam

    IPC分类号： G06Q20/40 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/38

    CPC分类号： G06Q20/4016 ,  G06Q20/3823 ,  G06Q20/4093 ,  G06Q20/32 ,  G06Q20/34

    摘要： Embodiments described herein disclose methods and systems for authorizing a payment card transaction using dynamic codes. The system can receive a request for authorization of a transaction using the payment card. The request can identify a verification code associated with the payment card and an identifier of the payment card, and the payment card can have an associated dynamic code accessible to a user via a channel. The verification code can be compared with a value of the dynamic code at the time of the transaction. The system can determine whether the user of the payment card accessed the channel within a time period prior to receiving the request for authorization. In response to the verification code matching the dynamic code at the time of the transaction and determining that the user accessed the channel within the time period prior to receiving the request, the system can authorize the transaction.

    Asset tracker loss alert and notification process
    6.
    发明授权
    Asset tracker loss alert and notification process 有权

    公开(公告)号：US12112341B1

    公开(公告)日：2024-10-08

    申请号：US18222539

    申请日：2023-07-17

    申请人： United Services Automobile Association

    发明人： David Patrick Dixon ,  Wayne Maurice Hartman ,  Gary Scott Harris

    IPC分类号： G06Q40/08 ,  G01S19/13 ,  G06Q30/018

    CPC分类号： G06Q30/0185 ,  G01S19/13 ,  G06Q40/08

    摘要： A method for tracking insured assets is provided. Asset identifiers corresponding to assets to be monitored are received from a user. Each of the one or more assets is attached to a tracking device. Monitored assets are covered by one or more insurance policies. One or more geofence regions are defined associated with the one or more monitored assets. A location of each of the monitored assets is estimated, at least periodically. In response to determining that the estimated location of at least one of the monitored assets is outside of the corresponding one or more geofence regions, an insurance policy associated with this at least one asset is determined. A policyholder associated with the insurance policy is notified by sending a notification to policyholder's-preferred device. The notification inquires instructions for remedial actions from the policyholder. One or more remedial actions are initiated based on received policyholder's instructions.

    Simulations using a token exchange system
    7.
    发明授权
    Simulations using a token exchange system 有权

    公开(公告)号：US12093932B1

    公开(公告)日：2024-09-17

    申请号：US18452800

    申请日：2023-08-21

    申请人： United Services Automobile Association (USAA)

    发明人： Noe Alberto Martinez ,  Huihui Wu ,  Steven Michael Bernstein ,  Nickolaus Wayne O'Neal

    IPC分类号： G06Q20/38 ,  G06T11/20 ,  G06N20/00

    CPC分类号： G06Q20/381 ,  G06Q20/389 ,  G06T11/206 ,  G06N20/00 ,  G06Q2220/00

    摘要： Aspects of the present disclosure are directed to techniques to simulate conditions while progressing towards a goal state using token conversions. Tokens can be assets associated with a defined goal and can be implemented to segment accounts for a defined purpose and to improve user planning. An account can be segmented by converting a portion of the user's account balance to tokens to progress towards the goal. In some implementations, a simulation can generate a target token conversion schedule that achieves a target number of tokens at a target date. However, user behavior can change the observed token amounts and cause deviations from the schedule. The simulations can alter the token conversion schedule and arrive at a new target date for the target number of tokens. In some implementations, automated agents and machine learning components can be used to implement the token tracking and simulations.

    Code builder
    9.
    发明授权
    Code builder 有权

    公开(公告)号：US12079596B1

    公开(公告)日：2024-09-03

    申请号：US17731954

    申请日：2022-04-28

    申请人： United Services Automobile Association (USAA)

    发明人： Thomas Walther

    IPC分类号： G06F8/30

    CPC分类号： G06F8/30

    摘要： As the number of software tools and standards have greatly expanded, it has become more difficult for programmers to learn and implement the various tools and standards they may encounter on a daily basis in an efficient and effective manner. Significant work-hours, training, and trial and error may be involved when adopting each new tool and/or standard. The present disclosure relates to a code generator that may receive a variety of inputs, such as user-generated code, software descriptions, software standards, software blueprints, and so on, and generate code based on the inputs.