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公开(公告)号:US20240362557A1
公开(公告)日:2024-10-31
申请号:US18766394
申请日:2024-07-08
发明人: Abraham Drucker , Khushbu Katariya , Timothy R. Knowlton , Shelby K. Morita-Fowler , Brian M. Pearce , Dana Roytenberg , John T. Wright
IPC分类号: G06Q10/0631 , G06Q40/12
CPC分类号: G06Q10/06313 , G06Q10/063114 , G06Q40/12
摘要: A method for managing a budget includes determining, by a budget management system, funds of a project management account that are to be routed to a task manager for a project. The determining comprises: determining a current progress of a task managed by the task manager, the task included in a budget for the project that identifies the task manager and that includes payment information for the task manager that specifies a financial account, determining an amount owed to the task manager, and setting the amount owed to the task manager as the amount of the funds to be routed to the task manager. The method further comprises transmitting, by the budget management system to a financial computing system, a request to transfer the determined funds to the financial account specified by the payment information.
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公开(公告)号:US20240362546A1
公开(公告)日:2024-10-31
申请号:US18767889
申请日:2024-07-09
CPC分类号: G06Q10/02 , G06Q30/0281 , H04W4/021
摘要: A method of managing a digital queue includes accessing an application; transmitting a request based on a mobile device scanning a code or receiving a selection of a uniform resource locator (URL); transmitting information regarding a user of the mobile device and a reason for the request; receiving a real-time status of the digital queue including a number of clients in the digital queue before the user, the number of clients based on received indications of scanning the code or selecting the URL by each of the number of clients; displaying a graphical user interface (GUI) to depict a confirmation page indicating that the user has been added to the digital queue; automatically updating the GUI based on the real-time status of the digital queue; and transmitting, in response to determining the mobile device is within a geolocation area, a notification indicating the user has arrived.
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公开(公告)号:US20240362346A1
公开(公告)日:2024-10-31
申请号:US18307626
申请日:2023-04-26
发明人: Alejandro J. Carao , Robert William Childress , Jonathan Wayne Ingram , Gokarna KC , Suki Ramasamy , Tara R. Ross
CPC分类号: G06F21/604 , G06F21/6218 , G06F2221/2141
摘要: A method may include receiving an event notification that a user identifier has been added to a project identifier in a database, the user identifier associated with resource access rights for a plurality of resources; querying a datastore for a first resource access patterns associated with the user identifier and the project identifier for a first period of time; inputting the first resource access patterns into a machine learning model; receiving an output from the machine learning model identifying a cluster identifier associated with user identifiers with similar access patterns as the first resource access patterns; and based on the output, modifying the resource access rights for the user identifier with respect to the project identifier
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公开(公告)号:US20240354726A1
公开(公告)日:2024-10-24
申请号:US18762355
申请日:2024-07-02
发明人: Bipin M. Sahni , Nikolai Stroke
CPC分类号: G06Q20/102 , G06Q20/40 , G06Q40/02
摘要: The described financial institution computing system provides services to customers through an application programming interface (“API”). The services include user identification services to customers and payment services that allow users to pay the customers via the financial institution. The user identification services allow the customers to verify the identity of users as non-fraudulent users. Further the user identification services allow the financial institution to provide known user information to the customers for purposes of prepopulating registration forms, completing transactions, and the like. Further services, such as user account validation services, payment services, and the like are also possible through the financial institution APIs. In some situations, users are registered with the financial institution. For example, a user may also be an account holder with the financial institution. In other situations, the users are not registered with the financial institution.
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公开(公告)号:US12125351B1
公开(公告)日:2024-10-22
申请号:US17991797
申请日:2022-11-21
发明人: Darren M. Goetz , Chris Kalaboukis , Lisa R. Magana , Andrew L Martinez , Uma Meyyappan , Dennis E. Montenegro , Marla M. Pacis , Timothy R. Ward
CPC分类号: G07F19/206 , G07C9/00912 , G07F19/202
摘要: Systems and methods relating to a lockbox bank for currency drop-offs are provided. A lockbox bank includes one or more lockboxes, a safe coupled to the one or more lockboxes, and a terminal of a lockbox computing system. Each lockbox includes a receptacle configured to receive a currency drop-off and a locking mechanism. The terminal includes a network interface, a display device, one or more input/output devices, and a processing circuit including a processor and a memory. The memory is structured to store instructions that are executable by the processor and cause the processing circuit to receive a request from the customer to use a lockbox for a currency drop-off, receive access credentials, verify the access credentials, in response to successful verification, grant the customer access to a lockbox, and in response to determining that the drop-off has been completed, move the drop-off from the receptacle to the safe.
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公开(公告)号:US12125048B1
公开(公告)日:2024-10-22
申请号:US17321985
申请日:2021-05-17
发明人: Jennifer L. Wiig , Richard Wells , Pamela Rehg , Janette K. Henry , Danya Duddleston , Sarah Spindler , Michael Chauvin , Mark Iverson
IPC分类号: G06Q30/018 , G06Q30/0214 , G06Q50/18
CPC分类号: G06Q30/018 , G06Q30/0214 , G06Q50/18
摘要: Systems, apparatuses, methods, and computer program products are disclosed for enhancing regulatory compliance through digitization. An example method includes automatically generating a digital affiliated business arrangement disclosure statement (ABAD) for a client, and causing presentation of the digital ABAD by a graphical user interface (GUI) of a client device associated with the client. The example method further includes causing referral of the client to an affiliate. The example method further includes generating a digital ABAD record and storing the digital ABAD record.
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公开(公告)号:US12125038B1
公开(公告)日:2024-10-22
申请号:US18103188
申请日:2023-01-30
发明人: Al Hecht , Ann Kirk , Michael Miller , Karen Moore , Melanie Gipe
CPC分类号: G06Q20/4016 , G06Q20/023 , G06Q20/042 , G06Q20/40
摘要: A computer-implemented method includes receiving, by a depository computing system, a check deposit for a first amount associated with a payee account of a payee, determining, by the depository computing system, the check deposit is an on-us transfer based on verifying that the payee account and a payor account of a payor are associated with a same financial institution, and posting, by the depository computing system in real time, the first amount to both the payee account and the payor account prior to settlement of the check deposit.
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公开(公告)号:US12124515B1
公开(公告)日:2024-10-22
申请号:US17456979
申请日:2021-11-30
发明人: Mehdi Allahyari , Thejas M. Bhat , Brandon P. Castaing , Sandeep Pradhan , Vinothkumar Venkataraman , Yang Yang , Anusha Yenduri , Naveen Yeri
IPC分类号: G06F16/9032 , G06F16/9035 , G06F16/93 , G06F40/205 , G10L25/30
CPC分类号: G06F16/90332 , G06F16/9035 , G06F16/93 , G06F40/205 , G10L25/30
摘要: Computer-automated systems and methods that retain requests for information until documents containing the information are released at a later date. Release of the documents can trigger natural language understanding of the documents to be automatically performed and responses to the requests to be generated. In some examples, the responses include recommendations for taking or not taking financial actions relating to the request and the information.
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公开(公告)号:US20240348433A1
公开(公告)日:2024-10-17
申请号:US18135246
申请日:2023-04-17
发明人: Jeffrey J. Stapleton
CPC分类号: H04L9/0869 , G06F7/588 , G06F7/72 , H04L9/3033 , G06F2207/7204
摘要: The arrangements disclosed herein relate to systems, apparatus, methods, and non-transitory computer readable media for generating, using a Quantum Random Number Generator (QRNG), an initial random number and a secondary random number, generating, using a Prime Number Generator (PGN), a random prime number using the initial random number and the secondary random number, and generating an encryption key using the random prime number, wherein the encryption key is used to encrypt first data or decrypt second data.
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公开(公告)号:US20240346529A1
公开(公告)日:2024-10-17
申请号:US18299897
申请日:2023-04-13
发明人: Jeffery Scott Parker
IPC分类号: G06Q30/0201 , G06Q30/0601
CPC分类号: G06Q30/0201 , G06Q30/0631
摘要: Systems and techniques may generally be used for generating a contextual account grouping. An example technique may include accessing data corresponding to a plurality of customer accounts for a customer, receiving an API call for data corresponding to the customer, and in response to receiving the API call, automatically selecting, using processing circuitry, a grouping type for the plurality of customer accounts based on the API call. The example technique may include collecting information corresponding to a set of customer accounts of the plurality of customer accounts, the set of customer accounts corresponding to the selected grouping type, and responding to the API call with the information corresponding to the set of customer accounts.
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