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公开(公告)号：US20240362611A1
公开(公告)日：2024-10-31
申请号：US18139696
申请日：2023-04-26
发明人： Srinivasan BASKARAN , Venkata Sudheer Babu CHUNDI , Mizan MIAH , Rasanjaya HERATH MUDIYANSELAGE , Justin ROBINSON , Akmsaleh SULTAN , Carlos ROMERO , Cesar Lopez GARCIA
CPC分类号： G06Q20/325 , G06Q20/204 , G06Q20/326 , G06Q20/4014
摘要： A method for facilitating contactless payment at a point-of-sale is disclosed. The method includes receiving, via a terminal, a selection from a user at the point-of-sale, the selection corresponding to a payment preference; determining a transaction type based on the selection, the transaction type including a first transaction via a digital payment network and a second transaction via a mobile wallet; providing, via the terminal, transaction information and a transaction token to a mobile device that is associated with the user based on the determined transaction type; receiving, via the mobile device, a transaction request that includes the transaction information, the transaction token, and user payment information; initiating an electronic transaction based on the transaction request; and transmitting a result of the electronic transaction to the terminal and to the mobile device.
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2.发明公开公开(公告)号：US20240362195A1
公开(公告)日：2024-10-31
申请号：US18208568
申请日：2023-06-12
发明人： Desh SHARMA , Sweety JESWANI , Hans P. NIRMAL , Sushant PAUL , Sanketh BHAT
CPC分类号： G06F16/217 , G06F16/2282
摘要： Various methods, apparatuses/systems, and media for generating platform and database agnostic reports without depending on reporting services are disclosed. A processor receives a configuration file via a user interface, the configuration file including reporting configurations for components associated with reporting service; interprets the configuration file by utilizing corresponding interpreter libraries; invokes, in response to interpreting the configuration file, a predefined application programming interface (API); processes, in response to invoking the API, the reporting configurations using the interpreter libraries to process data object references and pre-configured report layout formats; receives a request from a user to generate a custom report; and automatically renders, in response to receiving the request, a platform and a database agnostic report by implementing a desired visualization techniques.
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3.发明公开公开(公告)号：US20240362079A1
公开(公告)日：2024-10-31
申请号：US18208575
申请日：2023-06-12
发明人： Swastik MOHANTY , Nilesh SINHA , Archita ARORA , Hemant ROUT , Srileka VIJAYAKUMAR , Rakesh Kumar KASHYAP
IPC分类号： G06F9/50
CPC分类号： G06F9/5077 , G06F9/5072
摘要： A method and a system for optimizing at least one resource requirement on a distributed processing platform are disclosed. The method includes receiving at least one text file based on a user input and generating an output file based on the at least one text file. Next, the method includes identifying at least one operator in the output file and applying at least one rule to the at least one operator. Next, the method includes scanning the at least one rule that is applied to the at least one operator. Next, the method includes recommending at least one change in the at least one rule. Thereafter, the method includes generating at least one updated output file based on the recommendation of the at least one change in the at least one rule.
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4.发明公开公开(公告)号：US20240362058A1
公开(公告)日：2024-10-31
申请号：US18646045
申请日：2024-04-25
发明人： Shimona SHARMA , Bhavin J SHUKLA , Hemathri BALAKRISHNAN , Prashant SHAH , Sanjay R OZA , Romesh J NISSANGARATCHIE
CPC分类号： G06F9/45558 , G06F21/62
摘要： Various methods, apparatuses/systems, and media for executing virtual collaboration are disclosed. A processor implements a virtual collaboration platform for providing a virtual branch experience to a plurality of users via seamless digitally enabled communication channels by leveraging features across a plurality of vendors; establishes a communication link between the virtual collaboration module and the digitally enabled communication channels via a communication interface; implements a first algorithm in a manner such that the virtual collaboration module is cloud native and supporting both multi-cloud and hybrid cloud models; implements a second algorithm in a manner such that the virtual collaboration module is configured to support an application seamlessly regardless of whether the application is deployed onto a desktop, or a mobile application and support multiple browsers; and executes real-time virtual collaboration including status of application health, metrics, alerts, and resource management.
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公开(公告)号：US12131312B2
公开(公告)日：2024-10-29
申请号：US17317502
申请日：2021-05-11
IPC分类号： G06Q20/36 , G06Q10/0835 , G06Q20/38 , G06Q20/40 , G06Q20/42
CPC分类号： G06Q20/3674 , G06Q10/0835 , G06Q20/3821 , G06Q20/389 , G06Q20/401 , G06Q20/42
摘要： According to another embodiment, a method for invoicing and payments in an integrated supplier network may include: (1) receiving, at a supplier interface for a payments computer program, an invoice from a supplier; (2) receiving, at a buyer interface for the payments computer program, a payment allocation for the invoice, wherein the payment allocation may be associated with a supplier attestation for the supplier; (3) transferring, by the payments computer program, funds for the payment allocation to a liquidity pool, wherein the funds are commingled with other funds in the liquidity pool; (4) receiving, at the supplier interface, the supplier attestation, and a request to withdraw at least a portion of the funds for the payment allocation; and (5) retrieving, by the payments computer program, the portion of the payment allocation to a supplier account with the integrated supplier network.
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公开(公告)号：US12125025B2
公开(公告)日：2024-10-22
申请号：US18323810
申请日：2023-05-25
发明人： Raghu Vudathu , Tuan Dao , Mervin Majella Felix
CPC分类号： G06Q20/3672 , H04L9/0643 , H04L9/0866 , H04L9/3297
摘要： Systems and methods for using a device wallet identifier are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for generating a device wallet identifier may include: (1) receiving a wallet identifier for an electronic wallet or payment application executed by an electronic device; (2) retrieving an issuer identifier for a customer associated with the electronic wallet or payment application; (3) generating a device wallet identifier; and (4) storing a mapping of the device wallet identifier to the issuer identifier for the customer.
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公开(公告)号：US20240346517A1
公开(公告)日：2024-10-17
申请号：US18601763
申请日：2024-03-11
发明人： Umar FAROOQ , Naveen MALLELA , Wee Kee TOH
CPC分类号： G06Q20/425 , G06Q40/04
摘要： Global layer 1 programmable ledgers are disclosed. According to an embodiment, a global layer 1 programmable ledger may include: a plurality of nodes comprising a shared capabilities and components tier comprising foundational applications and functional applications, and a financial institution applications tier comprising financial institution application, wherein the global layer 1 programmable ledger is part of a distributed ledger network; and each of the plurality of nodes is associated with a participant of a distributed ledger network, and each participant is configured to access the foundational applications and functional applications and the financial institution applications.
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公开(公告)号：US20240346492A1
公开(公告)日：2024-10-17
申请号：US18755184
申请日：2024-06-26
CPC分类号： G06Q20/38215 , G06Q20/405 , H04L9/0894 , H04L9/3213 , H04L9/50
摘要： Systems and methods for distributed ledger-based collateral movement are disclosed. According to an embodiment, a method for distributed ledger-based collateral movement may include: (1) receiving, at a first collateral custodian computer system for a collateral custodian and from a client of the first collateral custodian, a collateral asset for a target asset held by a client of a second collateral custodian; and (2) tokenizing the collateral asset and writing a collateral token to a distributed ledger platform. The second collateral custodian receives, from the distributed ledger platform, the collateral token and releases the target asset to the first collateral custodian in response to receiving the collateral token.
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公开(公告)号：US20240346410A1
公开(公告)日：2024-10-17
申请号：US18133233
申请日：2023-04-11
发明人： Syed ALI , Tracey A. BEBERMAN , Nate S. DUFFUS , Ryan WEST , Richie J. SANDERS , Jin WANG , Kunjan M. THAKAR , Donald STEPHENS , Xiaoping ZHOU , Zhiang QIAN , Joachim SKOR , Bhavana VERMA , Ami EHLENBERGER , Andrew KUTCHEN , Jennifer CHAO , Asha Susan ABRAHAM , Norton LI , Omer YILMAZ , Oluwaseye ADEKANYE
IPC分类号： G06Q10/0631
CPC分类号： G06Q10/063118
摘要： A method and a system for using machine learning technology to optimize a scheduling strategy for establishing contact with a customer are provided. The method includes: receiving a data set that relates to a customer account; analyzing the data set to determine at least one proposed schedule for an attempt to contact the customer; and generating, based on a result of the analysis, a report that includes the proposed schedule. The analysis may be performed by applying a machine learning model that is trained by using historical data that relates to interactions associated with the customer.
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公开(公告)号：US12118536B2
公开(公告)日：2024-10-15
申请号：US16809103
申请日：2020-03-04
发明人： Navneet K. Kang , John D. Moore
CPC分类号： G06Q20/354 , G06Q10/10 , G06Q20/3223 , G06Q20/3672 , G06Q20/403 , G06Q40/02
摘要： Systems and methods for card tokenization via API are disclosed. In one embodiment, in a financial institution backend comprising at least one computer processor, a method for card provisioning is provided using a digital enablement service via API may include: (1) receiving, from a digital enablement service and using a first API, a provisioning request from a digital wallet executed by an electronic device, the provisioning request identifying an account for tokenizing; (2) decisioning the provisioning request; (3) communicating the decision to the digital enablement service using a second API; (4) receiving, from the digital enablement service via a third API, a token; and (5) updating a cardholder provide with provisioned status for the token.
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