公开(公告)号：US20240143721A1

公开(公告)日：2024-05-02

申请号：US18051452

申请日：2022-10-31

申请人： Ally Financial Inc.

发明人： Harish Naik ,  Arvy Rajasekaran ,  Dallas Gale ,  Dzmitry Dubarau ,  Jared Allmond ,  Jordan Gilliam ,  Michael Parello ,  Sathish Muthukrishnan

IPC分类号： G06F21/36 ,  G06T13/40 ,  G06T19/00

CPC分类号： G06F21/36 ,  G06T13/40 ,  G06T19/006

摘要： Methods, systems, and devices are described. A virtual environment may perform a multi-step authentication process to verify identities of both a user and a representative of an organization interacting within the virtual environment. Within the virtual environment, the representative may perform a first verification process to verify the identity of the user and the representative by validating the user's account information and an identifier of the representative against a distributed ledger. Upon success of the first verification process, the representative may initiate a second verification process. As part of the second verification process, the distributed ledger may provide one or more questions posed to the user by the representative, which may be answered within the virtual environment, external to the virtual environment, or both. Upon the user successfully answering the one or more questions, the virtual environment may display an indication that the user and the representative are verified.

公开(公告)号：US20240242241A1

公开(公告)日：2024-07-18

申请号：US18153632

申请日：2023-01-12

申请人： Ally Financial Inc.

发明人： Harish Naik ,  Arvy Rajasekaran ,  Dallas Gale ,  Dzmitry Dubarau ,  Jared Allmond ,  Sathish Muthukrishnan

IPC分类号： G06Q30/0207

CPC分类号： G06Q30/0224 ,  G06Q30/0236 ,  G06Q2220/00

摘要： Methods, systems, and devices to support techniques for dynamically and securely managing user rewards are described. A system may issue digital assets that include a user-specific code to a user, and the system may store the digital assets on a distributed ledger (e.g., in a digital wallet associated with the user). The system may issue one or more digital assets to the user in response to determining that the user has performed one or more actions corresponding to the one or more digital assets. In some examples, each digital asset may include a same user-specific code, such as a quick response (QR) code, embedded in a respective image associated with each digital asset. The user may present an owned digital asset to a third-party vendor, and the third-party vendor may scan the user-specific code associated with the digital asset to identify and provide rewards available to the user.