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公开(公告)号：US20240153027A1
公开(公告)日：2024-05-09
申请号：US18412185
申请日：2024-01-12
申请人： Yuh-shen SONG , Catherine LEW , Alexander SONG , Victoria SONG
发明人： Yuh-shen SONG , Catherine LEW , Alexander SONG , Victoria SONG
IPC分类号： G06Q50/26 , G06Q30/04 , G06Q30/0601 , G06Q40/02
CPC分类号： G06Q50/265 , G06Q30/04 , G06Q30/0601 , G06Q40/02
摘要： A computer-implemented method validates a user instruction by storing, at a first computer system, a transformation method associated with account information of the user, and associated with a government issued identification document of the user, the account information obtained from an item issued by a financial institution. The computer-implemented method also receives, at the first computer system from a second computer system, the account information and a message electronically transformed from the user instruction by the transformation method based on the government issued identification document of the user. The user instruction is unrecognizable from the message. The computer-implemented method transforms, at the first computer system, the message into the user instruction with the transformation method retrieved based on the received account information. The computer-implemented method approves an action based on the user instruction.
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公开(公告)号：US20240144284A1
公开(公告)日：2024-05-02
申请号：US18407255
申请日：2024-01-08
申请人： Yuh-shen SONG , Catherine LEW , Alexander SONG , Victoria SONG
发明人： Yuh-shen SONG , Catherine LEW , Alexander SONG , Victoria SONG
CPC分类号： G06Q20/4016 , G06Q20/042
摘要： A computerized method verifies an issued check by receiving, from a check issuer computer system of a checking account holder at a payer financial institution, first check information comprising: a first routing number, account number, check number, and dollar amount associated with an issued check. The method also receives, from a computer system of a payee financial institution, second check information comprising a second routing number, account number, check number, and dollar amount from a received check. The second routing number, the second account number, the second check number, and/or the second dollar amount, are read by an electronic device at the payee financial institution. The method determines whether the first check information matches the second check information and sends, to the computer system of the payee financial institution in response to the first check information not matching the second check information, a message indicating potential fraud.
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公开(公告)号：US11928681B2
公开(公告)日：2024-03-12
申请号：US17948006
申请日：2022-09-19
申请人： Yuh-shen Song , Catherine Lew , Alexander Song , Victoria Song
发明人： Yuh-shen Song , Catherine Lew , Alexander Song , Victoria Song
CPC分类号： G06Q20/4014 , G06Q20/0855 , G06Q20/38215 , G06Q20/3823 , G06Q20/383 , G06Q20/4016
摘要： A computerized method produces an identity code to identify each subject stored in the computer systems connected to a computer network while protecting the privacy and confidentiality of the subject. A central computer system receives an identity code of a suspect of a financial crime and sends the identity code to all computer systems connected to the computer network. The computer systems that have the matched identity code send the requested information to the central computer system. As a result, law enforcement organizations can eliminate crimes and financial institutions can recover the money stolen from them. In addition, law enforcement organizations and financial institutions can identify money launderers that are missed by their anti-money laundering transactional monitoring systems.
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公开(公告)号：US11908016B2
公开(公告)日：2024-02-20
申请号：US18103741
申请日：2023-01-31
申请人： Yuh-shen Song , Catherine Lew , Alexander Song , Victoria Song
发明人： Yuh-shen Song , Catherine Lew , Alexander Song , Victoria Song
CPC分类号： G06Q40/06 , G06Q20/4016
摘要： A computer-implemented method monitors a customer to detect money laundering activity at a first computer system by receiving a set of data related to at least a portion of transactional information of the customer, and transforming the set of data into a money laundering risk score of the customer. The method includes selecting a monitoring level to monitor data related to transactions of the customer based on the money laundering risk score. A first monitoring level is selected in response to the money laundering risk score being greater than a threshold. A second monitoring level is selected in response to the money laundering risk score being less than the threshold. The method includes transmitting at least a portion of personal data associated with the customer when the first monitoring level is selected and the first monitoring method detects that the customer matches a condition.
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公开(公告)号：US20230306424A1
公开(公告)日：2023-09-28
申请号：US18202745
申请日：2023-05-26
申请人： Yuh-shen SONG , Catherine LEW , Alexander SONG , Victoria SONG
发明人： Yuh-shen SONG , Catherine LEW , Alexander SONG , Victoria SONG
摘要： A computerized method electronically verifies identity data of a customer by requesting the customer to provide identity data from a customer identification document during a financial transaction. The method updates an identity profile of the customer by combining the received portion of identity data with different portions of previously received identity data that were previously received from different merchants during different transactions between the customer and the different merchants. The method compares the identity profile to the unverified identity data of the customer when a number of transactions with the account is greater than a first transaction threshold, and approves the financial transaction when the identity profile matches the unverified identity data.
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公开(公告)号：US20220101329A1
公开(公告)日：2022-03-31
申请号：US17545868
申请日：2021-12-08
申请人： Yuh-shen SONG , Catherine LEW , Alexander SONG , Victoria SONG
发明人： Yuh-shen SONG , Catherine LEW , Alexander SONG , Victoria SONG
摘要： Verifying a check includes receiving, from a check issuer computer system, first check information comprising a first routing number, a first account number, a first check number, and a first dollar amount associated with an issued check. The verifying also includes receiving from a computer system of a payee financial institution, second check information comprising a second routing number, a second account number, a second check number, and a second dollar amount from a received paper check. The method includes verifying that the first check information corresponds to the second check information and sending, to the computer system of the payee financial institution in response to the first check information matching the second check information, a verification message indicating that the first check information corresponds to the second check information.
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公开(公告)号：US10991062B2
公开(公告)日：2021-04-27
申请号：US16714557
申请日：2019-12-13
申请人： Yuh-shen Song , Catherine Lew , Alexander Song , Victoria Song
发明人： Yuh-shen Song , Catherine Lew , Alexander Song , Victoria Song
摘要： A method for processing transactions receives from a customer, at a merchant computer system, customer account identification information, and customer identification information. The method includes encrypting, at the merchant computer system, transaction data corresponding to a transaction between a merchant and the customer. The transaction data is encrypted with an encryption key generated from the customer identification information. The method transmits, from the merchant computer system to a financial institution, the customer account identification information, and the encrypted transaction data. The method receives, at the merchant computer system from the financial institution, a notification indicating whether to proceed with the transaction based on whether the encrypted transaction data was successfully decrypted with a decryption key generated from account holder identification information derived from the customer account identification information. The method performs, at the merchant computer system, the transaction when the notification indicates to proceed with the transaction.
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公开(公告)号：US20200311736A1
公开(公告)日：2020-10-01
申请号：US16791993
申请日：2020-02-14
申请人： Yuh-shen SONG , Catherine LEW , Alexander SONG , Victoria SONG
发明人： Yuh-shen SONG , Catherine LEW , Alexander SONG , Victoria SONG
IPC分类号： G06Q20/40
摘要： A computerized method produces an identity code to identify each subject stored in the computer systems connected to a computer network while protecting the privacy and confidentiality of the subject. A central computer system receives an identity code of a suspect of a financial crime and sends the identity code to all computer systems connected to the computer network. The computer systems that have the matched identity code send the requested information to the central computer system. As a result, law enforcement organizations can eliminate crimes and financial institutions can recover the money stolen from them. In addition, law enforcement organizations and financial institutions can identify money launderers that are missed by their anti-money laundering transactional monitoring systems.
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公开(公告)号：US20200258181A1
公开(公告)日：2020-08-13
申请号：US16742780
申请日：2020-01-14
申请人： Yuh-shen SONG , Catherine LEW , Alexander SONG , Victoria SONG
发明人： Yuh-shen SONG , Catherine LEW , Alexander SONG , Victoria SONG
摘要： An intelligent alert system triggers potential cases based on a set of scenarios and sends the potential cases and the reports with default narratives to an investigator. Through the changes made by the investigator on the default narratives, the intelligent alert system learns a writing style of the investigator. Eventually, the intelligent alert system can automatically submit a report with a narrative that matches the writing style of the investigator.
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公开(公告)号：US20200258147A1
公开(公告)日：2020-08-13
申请号：US16742766
申请日：2020-01-14
申请人： Yuh-shen SONG , Catherine LEW , Alexander SONG , Victoria SONG
发明人： Yuh-shen SONG , Catherine LEW , Alexander SONG , Victoria SONG
摘要： An intelligent alert system triggers potential cases based on a set of scenarios and sends the potential cases to investigators. After the investigation, the intelligent alert system records in a database the investigation results for each potential case, the associated set of scenarios that triggered the potential case, and the date and the time of such investigation. As a result, the intelligent alert system can gradually learn from the investigators and will automatically make decisions for some future potential cases with little human involvement.
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