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1.发明公开公开(公告)号：US20230367646A1
公开(公告)日：2023-11-16
申请号：US17743155
申请日：2022-05-12
发明人： Tony England , Steven Michael Twombly , Robertson Walters Greenbacker , Bradley Ryan Holland , Sara A. Walsh
IPC分类号： G06F9/50
CPC分类号： G06F9/5072 , G06F9/505 , G06F9/5083
摘要： A system is also provided for intelligent type-based implementation of restrictions on resource transfers. In this regard, the system may allow for resource transfers set according to a preset resource transfer pattern to be executed while restricting net new resource transfers upon compromise of the resource transfer instrument. Subsequently, the system may use a machine learning model to analyze the attributes of incoming resource transfer requests and determine whether the resource transfer should be allowed or restricted based on the preset resource transfer pattern. In this way, the system may provide a way to fine-tune restrictions on executing resource transfers.
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公开(公告)号：US20220335415A1
公开(公告)日：2022-10-20
申请号：US17232499
申请日：2021-04-16
摘要： Systems, computer program products, and methods are described herein for initiating resource distributions from a first source retainer with a token associated with a second source retainer. The present invention may be configured to receive instructions to link a token associated with a first resource distribution instrument to a second resource distribution instrument, where the first resource distribution instrument and the second resource distribution instrument are associated with different types of source retainers and map, based on receiving the instructions, the token to the second resource distribution instrument. The present invention may be configured to receive signals from a user device comprising information identifying the token, determine, based on receiving the signals, whether the token is mapped to the second resource distribution instrument, and initiate, based on determining that the token is mapped to the second resource distribution instrument, an interaction associated with the second resource distribution instrument.
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公开(公告)号：US20220020046A1
公开(公告)日：2022-01-20
申请号：US16933280
申请日：2020-07-20
发明人： Charles Jason Burrell , Justin Riley duPont , Michael Robert Hasslinger , John Allen Sellers , Tony England , Christina Ann Lillie
摘要： Systems, computer program products, and methods are described herein for recurring auxiliary resource distribution. The present invention may be configured to detect a trigger event associated with a plurality of sources, where the plurality of sources includes a standard source and an auxiliary source, and where the plurality of sources is associated with a user. The present invention may be configured to transform, using a resource transformation engine and based on the trigger event, a first amount of auxiliary resources in the auxiliary source to a second amount of standard resources, deduct the first amount of auxiliary resources from a first balance of the auxiliary source, and add the second amount of standard resources to a second balance of the standard source. The present invention may be configured to perform a resource distribution using the second amount of standard resources from the standard source.
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4.发明申请公开(公告)号：US20220019484A1
公开(公告)日：2022-01-20
申请号：US16933685
申请日：2020-07-20
发明人： Justin Riley duPont , Charles Jason Burrell , Tony England , Michael Robert Hasslinger , Christina Ann Lillie , John Allen Sellers
摘要： Real-time interaction processing may allow for the exchange of resources and/or supplemental resources. The flexibility of the real-time resource exchange network allows supplemental resources to be transferred between resources pools of a single entity or between resource pools of different entities, either within a single organization or located at different organizations. The real-time interaction processing further allows for the creation and use of a collective resource pool to which multiple entities are allowed to contribute resources and/or supplemental resources. Each of the entities contributing resources or supplemental resources to the collective resource pool have transparency into the entities contributing to the collective resource pool, the supplemental resources and/or other resources contributed, and confirmation that the actual interaction for which the collective resource pool is being utilized was completed.
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公开(公告)号：US11107353B2
公开(公告)日：2021-08-31
申请号：US15910179
申请日：2018-03-02
发明人： Mark Allan Nelson , Karen Lea MacQueen , Stephen Philip Selfridge , Ashish B. Tajpuria , Tony England
IPC分类号： G06Q40/00 , G08G1/14 , H04W4/02 , G01C21/36 , H04L29/08 , H04M1/72457 , G05D23/19 , H04W64/00 , H04W76/10 , H04M1/60 , H04W72/04 , G06F16/9537 , G06F16/29 , G06Q10/08 , G06Q30/06 , G01C21/34 , G06Q20/34 , G07B15/06 , G07B15/02 , G01S19/51
摘要： Embodiments of the present invention provide a system for transferring one or more resources associated with an interaction via an automobile. The system is typically configured for receiving an input from a user, via one or components of an automobile, to identify one or more third party entities associated with an interaction, identifying, via the one or more components, a current location and a destination of the user, identifying the one or more third party entities between the current location and the destination, applying logic to select a third party entity from the one or more third party entities, establishing a communication link with a third party entity device associated with the third party entity, and initiating transfer of resources to the remote device to complete the interaction.
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公开(公告)号：US10998937B2
公开(公告)日：2021-05-04
申请号：US16399709
申请日：2019-04-30
发明人： Patrick Thomas McConnell , William Bradley Burks , Daniel James Doherty , Justin Riley duPont , Thomas Elliott , Tony England , Matthew Murphy , Nickolas Patrick Parker , Stephen Philip Selfridge , Steven Michael Twombly , James J. Williams
摘要： Embodiments of the invention are directed facilitating an electronic resource distribution by embedding a short-range wireless tag in a resource distribution request that stores instructions for processing the resource distribution in a fully electronic processing flow. As such, the resource distribution request holder is capable of processing the request without issuing a resource distribution document to the resource requester. In additional embodiments of the invention, the short-range wireless tag further stores instructions for arranging subsequent resource distributions to the resource requester to occur without the need for the resource requester to present a resource request document.
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公开(公告)号：US20200351262A1
公开(公告)日：2020-11-05
申请号：US16399877
申请日：2019-04-30
发明人： Patrick Thomas McConnell , William Bradley Burks , Daniel James Doherty , Justin Riley duPont , Thomas Elliott , Tony England , Matthew Murphy , Nickolas Patrick Parker , Stephen Philip Selfridge , Steven Michael Twombly , James J. Williams
摘要： Embodiments of the present invention provide a system for secondary authentication via contactless distribution of dynamic resources. When an event request associated with a user is received, a prompt for event information is transmitted to a computing device. Based on the event information that is received, a determination is made that the event request requires a secondary authentication in the form of a near field communication (“NFC”) interaction between an NFC chip associated with the user and a secondary authentication device. The NFC chip associated with the user may additionally be associated with a dynamic resource value element. Once the NFC interaction is detected, a dynamic resource value is extracted and compared to an expected dynamic resource value. If the values match, then the user is authenticated for the requested event at the secondary authentication level.
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公开(公告)号：US20180211249A1
公开(公告)日：2018-07-26
申请号：US15415706
申请日：2017-01-25
发明人： Scott Anderson Sims , Tony England , Shawn Parris Bench , Andrew Dongho Kim , Jeffrey Thomas Zusi
CPC分类号： G06Q20/3674 , G06Q20/00 , G06Q20/352 , G06Q20/3672 , H04L63/083 , H04L2463/082 , H04W4/80 , H04W12/0608
摘要： Embodiments are directed to enabling authentication shifting based on mobile wallet characteristics such as presence and/or content of a payment credential or pre-generated token. Embodiments receive a request for access to a function or feature by a user of the mobile device; receive first user authentication credentials from the user; access a mobile wallet storing at least one payment credential associated with an owner of the mobile device, the at least one payment credential comprising owner identity information; compare the first user authentication credentials with the owner identity information; confirm the first user authentication credentials match the owner identity information; and enable access to the requested function or feature. Embodiments also determine that additional user authentication is required for access to the requested function or feature; receive and validate second user authentication credentials; and enable access to one or more features or functions of a mobile application.
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公开(公告)号：US09961529B2
公开(公告)日：2018-05-01
申请号：US15231153
申请日：2016-08-08
发明人： Tony England
CPC分类号： H04W4/80 , G06Q20/1085 , H04B5/0031 , H04W12/06
摘要： The invention provides for optimizing Near Field Communications (NFC) at a NFC-enabled interaction terminal configured for conducting user interactions. The invention provides for a user to designate which user credentials are applied to which type of NFC-enabled interaction terminals. A NFC-enabled interaction terminal-specific Application Identifier (AID) is assigned to the user credentials, and, in use, the AID list that is communicated, via NFC, by a mobile communication device to the NFC-enabled interaction terminal includes the NFC-enabled interaction terminal-specific AID, which implements an AID selection order that prioritizes use of the AID. In response, the application executing on the mobile communication device processes commands from the NFC-enabled interaction terminal using the pre-designated user credentials.
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公开(公告)号：US20170091765A1
公开(公告)日：2017-03-30
申请号：US14871971
申请日：2015-09-30
发明人： Gregory Joseph Lloyd , Lauren Marie Zavodny , Tony England , Stephen Philip Selfridge , James Gregory Ronca
CPC分类号： G06Q20/401 , G06Q20/32 , G06Q20/3224
摘要： Embodiments of the invention are directed to systems, methods, and computer program products for authorizing payment credentials and transactions associated with a user digital wallet by automatic and real time utilization of one or more payment credentials applicable and optimal for a transaction initiated by the user. The invention enables a mobile digital wallet application on a user device to determine optimal payment credentials based on one or more transaction parameters comprising geographic location, transaction amount and user authentication associated with the transaction. Transmission of the optimal payment credential causes the receiving system to recognize the one or more transaction parameters and enables the system to process the transaction in accordance with the geographic location, transaction amount and/or the user authentication.
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