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1.发明申请公开(公告)号：US20200160322A1
公开(公告)日：2020-05-21
申请号：US16752361
申请日：2020-01-24
摘要： Embodiments of the invention are directed to systems, methods and computer program products for implementing logic code within a resource disbursement limiter for integration into user mobile wallets via a third party mobile wallet system. The system provides a logic code within the presented resource disbursement limiter to the third party mobile wallet system for specific integration into a select user's mobile wallets and at selected locations within a list presented to the user via the mobile wallet. Furthermore, the system receives notification of use of the resource disbursement limiter and is pushed the acceptance for integration into the user resource storage.
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公开(公告)号：US20180375794A1
公开(公告)日：2018-12-27
申请号：US15630284
申请日：2017-06-22
发明人： Tracy Beth Greene , Frederika Zipporah Morris Angus , Emily Paige Bosin , Kathleen Miranda Brand , William Bradley Burks , Deepak Joseph , Karla Ramirez , Laura Elizabeth Randall
IPC分类号： H04L12/911 , G06F3/048 , G06F9/50
摘要： Proactive acquisition of supplemental resources for interactions based on anticipated needs improves computer processing efficiency and storage requirements, as well as allowing for improved interactions over the Internet. More particularly, desired interactions of a user, previous interactions of the user, changes in available interactions for the user, and supplemental resources for which the user qualifies are used in combination to felicitate the improved interactions for the user, and which also results in the improved computer processing efficiency and storage of the interactions.
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3.发明申请公开(公告)号：US20180137500A1
公开(公告)日：2018-05-17
申请号：US15376179
申请日：2016-12-12
CPC分类号： G06Q20/363 , G06Q20/3221 , G06Q20/387 , G06Q30/0222
摘要： Embodiments of the invention are directed to systems, methods and computer program products for implementing logic code within a resource disbursement limiter for integration into user mobile wallets via a third party mobile wallet system. The system provides a logic code within the presented resource disbursement limiter to the third party mobile wallet system for specific integration into a select user's mobile wallets and at selected locations within a list presented to the user via the mobile wallet. Furthermore, the system receives notification of use of the resource disbursement limiter and is pushed the acceptance for integration into the user resource storage.
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公开(公告)号：US11889480B2
公开(公告)日：2024-01-30
申请号：US17580957
申请日：2022-01-21
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
IPC分类号： H04W72/044 , H04W4/80 , G06F9/50 , H04W12/06
CPC分类号： H04W72/044 , G06F9/5011 , H04W4/80 , H04W12/068
摘要： Embodiments of the present invention provide systems, apparatus, methods and/or the like for generating a resource distribution hub using for fully electronic resource distribution by using mobile device application designed to interface with an embedded Near-Field Communication (NFC) tag in a resource distribution instrument that stores instructions for processing the resource distribution authorization information. The holder (i.e., resource provider) of the resource distribution instrument can use the resource distribution instrument to communicate to a mobile communication device having an NFC reader to read the instructions and process a resource distribution according to the parameters of the mobile device application. As such, the holder (i.e., resource provider) of the resource distribution request can process the resource distribution without having to issue a credentials, aliases, pin codes, and the like conventionally used to authorizes the distribution of resources to the resource requester.
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公开(公告)号：US10986541B2
公开(公告)日：2021-04-20
申请号：US16725389
申请日：2019-12-23
发明人： Tracy Beth Greene , Frederika Zipporah Morris Angus , Emily Paige Bosin , Kathleen Miranda Brand , William Bradley Burks , Deepak Joseph , Karla Ramirez , Laura Elizabeth Randall
IPC分类号： H04W28/26 , H04L12/911 , G06F21/33 , G06F9/50 , H04L12/927
摘要： Embodiments of the present invention provide a system for dynamic utilization of alternative resources based on token association. The system is typically configured for receiving a request from a user to generate a generic token for a digital wallet located on a mobile device of the user, generating the generic token and associating one or more resource credentials of the user with the generic token, transmitting the generic token to the mobile device of the user and storing the generic token in the digital wallet, receiving an interaction request from an authorization network to route an interaction, and routing the interaction to complete the interaction by selecting at least one resource credential from the one or more resource credentials associated with the generic token and transmitting the at least one resource credential to the authorization network.
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公开(公告)号：US20200349552A1
公开(公告)日：2020-11-05
申请号：US16399873
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 secure contactless distribution of dynamic resources. Resource information may be written onto a near field communication (“NFC”) chip associated with a user, and a dynamic resource value element can be associated with this NFC chip. When an NFC interaction between the NFC chip associated with the user and a computing device of the user is detected, the computing device of the user extracts the resource information from the NFC chip, along with a dynamic resource value. The dynamic resource value is compared to an expected dynamic resource value and, if the values match, the extracted resource information is populated into memory fields of the computing device of the user.
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公开(公告)号：US20200348976A1
公开(公告)日：2020-11-05
申请号：US16399767
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
IPC分类号： G06F9/50 , G06K9/00 , G06F16/9035 , G06F16/953 , H04W4/80
摘要： Embodiments of the invention are directed to facilitating electronic resource distribution by including computer-readable indicia or a short-range wireless tag on a physical resource distribution document/instrument that stores or provides access to instructions for requesting and/or processing subsequent resource distributions between the resource requester and requester provider fully electronically (i.e., absent the need for a resource distribution request document or a resource distribution document/instrument).
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公开(公告)号：US20180376378A1
公开(公告)日：2018-12-27
申请号：US15630270
申请日：2017-06-22
发明人： Tracy Beth Greene , Frederika Zipporah Morris Angus , Emily Paige Bosin , Kathleen Miranda Brand , William Bradley Burks , Deepak Joseph , Karla Ramirez , Laura Elizabeth Randall
IPC分类号： H04W28/26 , H04L12/911
摘要： Embodiments of the present invention provide a system for dynamic utilization of alternative resources based on token association. The system is typically configured for receiving a request from a user to generate a generic token for a digital wallet located on a mobile device of the user, generating the generic token and associating one or more resource credentials of the user with the generic token, transmitting the generic token to the mobile device of the user and storing the generic token in the digital wallet, receiving an interaction request from an authorization network to route an interaction, and routing the interaction to complete the interaction by selecting at least one resource credential from the one or more resource credentials associated with the generic token and transmitting the at least one resource credential to the authorization network.
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公开(公告)号：US11196737B2
公开(公告)日：2021-12-07
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：US10979306B2
公开(公告)日：2021-04-13
申请号：US16434604
申请日：2019-06-07
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： The invention comprises a user friendly investment strategy platform. This invention allows for a drag-and-drop platform for various sectors, strategies, vehicles, and timing in the form of blocks. This allows a user to generate any desired resource management strategy and the system may deploy the strategy as a simulated resource management action. Furthermore, the system allows for deployment of the resource action live on a resource exchange upon user authorization. The blocks include object codes that are programmed to build out any possible resource management strategy. The invention may also suggest or recommend thresholds, and other templates that allow for customization.
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