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公开(公告)号：US20210019734A1
公开(公告)日：2021-01-21
申请号：US17060739
申请日：2020-10-01
摘要： Using contactless cards to pay for offline transactions. An application executing on a mobile device may receive, via a communications interface of a contactless card, an account identifier of the contactless card, and transaction data received by the contactless card from a POS device via the communications interface, the transaction data comprising at least an identifier of a merchant account, a timestamp, and an amount of the transaction, a network connection between the POS device and a payment server not available. The application may transmit the account identifier and the transaction data to the payment server via a cellular network connection of the mobile device. The mobile device may receive, from the payment server via the cellular network connection, authorization of a payment for the transaction. The application may generate a graphical indication of the authorization of the payment for the transaction and output the graphical indication of the authorization.
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公开(公告)号：US20180225743A1
公开(公告)日：2018-08-09
申请号：US15942967
申请日：2018-04-02
发明人： Thomas S. POOLE , Apurva SHAH , Jennifer LOPEZ , Paul MORETON , Taurean BUTLER , Jason DePERRO
摘要： A system and method for generating a user customized order interface, which displays a customer's previous orders and corresponding specific order information and order recommendations, that may be utilized for ordering and payment. A mobile application may request a merchant ID upon determination by the mobile device that a customer is within a close proximity of a particular merchant location. A payment terminal may pass the corresponding merchant ID to a transaction system, which may retrieve, for example, the customer's previous transactions and corresponding transaction IDs associated with the merchant ID, which may be utilized to generate a user customized order interface, which may be utilized to initiate a transaction by selecting a specific order item to order, and which may utilize the mobile application to confirm the order and proceed to payment, which will transmit the order to a merchant system.
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公开(公告)号：US20210217251A1
公开(公告)日：2021-07-15
申请号：US17301182
申请日：2021-03-29
摘要： A device may receive transaction data relating to a transaction event associated with a user and a merchant. The transaction data may include a merchant identifier and a transaction amount. The device may process the merchant identifier to determine whether the transaction event is associated with a rate-based service. The device may obtain, based on determining that the transaction event is associated with the rate-based service, location data from a user device associated with the user. The device may determine, based on the location data, a distance or a duration associated with the rate-based service. The device may determine, based on the distance or the duration, a transaction estimate for the rate-based service. The device may determine whether the transaction amount corresponds to the transaction estimate and perform one or more actions based on determining whether the transaction amount corresponds to the transaction estimate.
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公开(公告)号：US20200327589A1
公开(公告)日：2020-10-15
申请号：US16384180
申请日：2019-04-15
发明人： Jessica GREENBERG , Taurean BUTLER , Adam VUKICH
摘要： A device may receive, from a transaction device, transaction data relating to a transaction event involving a transaction card that stores user data associated with a user. The transaction data may include the user data and a category identifier of a merchant associated with the transaction device. The device may process the category identifier to determine whether the merchant is associated with an item that has a purchase restriction. The device may determine whether the user data of the transaction data satisfies the purchase restriction. The device may transmit a notification to a user device associated with the user requesting that the user indicate whether the transaction event is approved by the user. The device may receive a response to the notification and selectively process the transaction event or reject the transaction event based on the response.
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公开(公告)号：US20210185048A1
公开(公告)日：2021-06-17
申请号：US17182876
申请日：2021-02-23
IPC分类号： H04L29/06 , G06N20/00 , G06F16/951
摘要： Various embodiments are generally directed to techniques for generating rules automatically navigate a website and perform updates of payment token information.
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公开(公告)号：US20210065465A1
公开(公告)日：2021-03-04
申请号：US16551277
申请日：2019-08-26
摘要： A device may receive transaction data relating to a transaction event associated with a user and a merchant. The transaction data may include a merchant identifier and a transaction amount. The device may process the merchant identifier to determine whether the transaction event is associated with a rate-based service. The device may obtain, based on determining that the transaction event is associated with the rate-based service, location data from a user device associated with the user. The device may determine, based on the location data, a distance or a duration associated with the rate-based service. The device may determine, based on the distance or the duration, a transaction estimate for the rate-based service. The device may determine whether the transaction amount corresponds to the transaction estimate and perform one or more actions based on determining whether the transaction amount corresponds to the transaction estimate.
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公开(公告)号：US20230031057A1
公开(公告)日：2023-02-02
申请号：US17963506
申请日：2022-10-11
IPC分类号： H04L9/40 , G06N20/00 , G06F16/951
摘要： Various embodiments are generally directed to techniques for generating rules automatically navigate a website and perform updates of payment token information.
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8.发明申请公开(公告)号：US20210398120A1
公开(公告)日：2021-12-23
申请号：US16907668
申请日：2020-06-22
摘要： Systems and methods for artificial intelligence transaction priority control are presented. Transaction priority control may be provided in the context of online user accounts maintained by financial institutions. Transaction priority control may be obtained through querying transaction information from a database, applying a predictive model to determine a likely future transaction, assigning a priority score to the future transaction, and approving or denying the future transaction based on the priority score.
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公开(公告)号：US20210264455A1
公开(公告)日：2021-08-26
申请号：US17302886
申请日：2021-05-14
摘要： A device may detect a first entry of a first user device of a first user into a merchant area. The device may monitor a movement of the first user device within the merchant area. The movement may include a transition from a shopping area of the merchant area to a checkout area of the merchant area. The device may detect a transaction between the first user and the merchant. The device may determine a shopping duration for the first user and a checkout duration for the first user. The device may detect a second entry of a second user device of a second user into the merchant area. The device may perform one or more actions based on detecting the second entry. The one or more actions may be performed selectively based on the shopping duration or the checkout duration of the first user.
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公开(公告)号：US20210233123A1
公开(公告)日：2021-07-29
申请号：US16750737
申请日：2020-01-23
摘要： A device may access payment data of a first payment account and a second payment account that are associated with a first user and a second user, respectively, wherein the payment data includes descriptions of payments to vendors. The device may group the vendors into subsets of vendors based on characteristics of the vendors. The device may determine relative weightings for respective vendors within the subsets. The device may receive a request for a vendor recommendation for a meeting between the first user and the second user, wherein the request identifies parameters for the meeting. The device may generate the vendor recommendation for the meeting by identifying candidate vendors based on the parameters for the meeting and selecting one or more of the candidate vendors based on the relative weightings for the respective vendors.
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