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8 条记录 (耗时 0.01 秒)

    ALARM ACCESS OVERRIDE
    1.
    发明申请
    ALARM ACCESS OVERRIDE 审中-公开

    公开(公告)号：US20180174136A1

    公开(公告)日：2018-06-21

    申请号：US15380397

    申请日：2016-12-15

    申请人： Parveen Bansal ,  Aparna Krishnan Girish ,  Madhuri Chandoor

    发明人： Parveen Bansal ,  Aparna Krishnan Girish ,  Madhuri Chandoor

    IPC分类号： G06Q20/36 ,  G08B25/14

    摘要： A property alarm, such as home alarm or car alarm, is analyzed for the nature of the alarm and when indicated causes access to one or more financial instruments to be limited or put on hold. Alarms for equipment failure may be ignored while alarms for an intrusion may trigger limiting access to the financial accounts. In some cases, a cap may be placed on transactions, risk rules for approving transactions may be increased, or a complete hold may be placed on some or all of the financial instruments.

    SYSTEM AND METHOD FOR CREATING OR UPDATING AN API CONFIGURATION
    3.
    发明申请
    SYSTEM AND METHOD FOR CREATING OR UPDATING AN API CONFIGURATION 审中-公开

    公开(公告)号：US20200301763A1

    公开(公告)日：2020-09-24

    申请号：US16359710

    申请日：2019-03-20

    申请人： Madhuri Chandoor ,  Mohammad Al-Bedaiwi ,  Nirmesh Desai

    发明人： Madhuri Chandoor ,  Mohammad Al-Bedaiwi ,  Nirmesh Desai

    IPC分类号： G06F9/54 ,  G06F9/445 ,  G06F9/451 ,  G06F16/93

    摘要： A system and method may reduce the costs associated with adding or editing configuration elements for an API. A generic schema for the API codebase may keep the configuration definitions flexible and associations between various configuration definitions may also be saved within the codebase. New configuration instances may then be created using the definition of the configuration. Since the definition of the configuration is saved in a codebase, updating the definition or adding a new definition will not require going through the cycle of requirement analysis, coding, and testing. Once the definition is updated, the application code may appropriately mark the difference between the configuration instance and its definition and it will utilize the new definition to create instances of the new configuration.

    SITUATIONAL ACCESS OVERRIDE
    5.
    发明申请
    SITUATIONAL ACCESS OVERRIDE 审中-公开

    公开(公告)号：US20180174146A1

    公开(公告)日：2018-06-21

    申请号：US15380407

    申请日：2016-12-15

    申请人： Parveen Bansal ,  Aparna Krishnan Girish ,  Madhuri Chandoor

    发明人： Parveen Bansal ,  Aparna Krishnan Girish ,  Madhuri Chandoor

    IPC分类号： G06Q20/40

    摘要： One or more sensors are used to evaluate whether a user of a financial instrument is under duress by evaluating information collected about the user at the time of a transaction. If one or more stress indicators are above a predetermined threshold level, full access to the financial instrument may be disabled. Transaction risk rules may be increased, transaction amounts may be limited, or transactions may be blocked entirely if full access is disabled.

    Driving New User Acquisition from Payment Transactions
    7.
    发明申请
    Driving New User Acquisition from Payment Transactions 审中-公开
    从付款交易推动新用户收购

    公开(公告)号：US20130346173A1

    公开(公告)日：2013-12-26

    申请号：US13532486

    申请日：2012-06-25

    申请人： Madhuri Chandoor

    发明人： Madhuri Chandoor

    IPC分类号： G06Q30/02 ,  G06Q20/20

    CPC分类号： G06Q20/322 ,  G06Q30/0601 ,  G06Q40/02

    摘要： Systems and methods are disclosed for a payment service provider to provide benefits through provisional accounts established at in-store checkout to consumers who do not have accounts with the payment service provider to drive use sign-up. The payment service provider may offer cash paying consumers electronic cash stored in provisional accounts instead of any change at a point-of-sale, or offer credit card paying consumers a guest checkout experience to receive discounts, incentives, or rewards. The consumers are asked to provide identifying information such as a phone number of their mobile devices. A provisional account is established and linked it to the identification information if the provisional account does not already exist. Otherwise, the payment service provider may verify that the provisional account has not expired. The payment service provider may send reminders to the mobile devices to encourage the consumers to register an account before the provisional account expires.

    摘要翻译： 披露了支付服务提供商的系统和方法，以便通过在店内结帐建立的临时帐户向没有支付服务提供商的帐户的消费者提供利益来驱动使用注册。 付款服务提供商可以向消费者提供现金支付消费者存储在临时帐户中的电子现金，而不是销售点的任何变化，或向消费者提供支付客户结帐经验以获得折扣，奖励或奖励的信用卡。 消费者被要求提供识别信息，例如其移动设备的电话号码。 如果临时帐户不存在，建立临时帐户并将其与识别信息相关联。 否则，支付服务提供商可以验证临时帐户尚未过期。 支付服务提供商可以向移动设备发送提醒，以鼓励消费者在临时帐户到期之前注册账户。

    NEAR-FIELD COMMUNICATION BASED PAYMENT METHODS
    8.
    发明申请
    NEAR-FIELD COMMUNICATION BASED PAYMENT METHODS 审中-公开
    基于近场通信的付款方式

    公开(公告)号：US20130006872A1

    公开(公告)日：2013-01-03

    申请号：US13171838

    申请日：2011-06-29

    申请人： Madhuri CHANDOOR ,  Nicolas Groleau

    发明人： Madhuri CHANDOOR ,  Nicolas Groleau

    IPC分类号： G06Q30/00 ,  G06Q20/00 ,  H04L9/28

    CPC分类号： H04L9/3215 ,  G06Q20/26 ,  G06Q20/3223 ,  H04L63/08 ,  H04L2209/56 ,  H04L2463/102

    摘要： A method of performing a payment transaction is provided. Transaction information is received from a payee, which has been provided to the payee by a payor using near-field communications and includes a payment amount and payee account information. A transaction authentication request is sent to the payor, and, after a transaction authentication is received from the payor, the payment amount is sent to the payee. After the payment has been completed, a payment confirmation is sent to the payor. A method for processing a payment transaction using a generated remittance key is also provided. The remittance key, which includes an encrypted alphanumeric key having a payment amount and payment provider account information for a payor, is generated and transmitted to a payee who, in turn, transmits the remittance key to a remittance agent. The remittance agent transmits the remittance key and a payment request to a payment provider who processes the request and transmits a payment to the payee.

    摘要翻译： 提供执行支付交易的方法。 从收款人收到交易信息，收款人已经由付款人使用近场通信提供给收款人，并且包括付款金额和收款人帐户信息。 交易认证请求被发送给付款人，并且在从付款人收到交易认证之后，支付金额被发送给收款人。 付款完成后，支付确认将发送给付款人。 还提供了使用生成的汇款键处理支付交易的方法。 生成包含具有支付金额的加​​密字母数字密钥和用于支付者的支付提供者帐户信息的汇款密钥，并将其发送给收款人，收款人又将汇款密钥发送到汇款代理。 汇款代理将付款密钥和付款请求发送给处理该请求的付款提供商，并将付款发送给收款人。