公开(公告)号：US11204914B2

公开(公告)日：2021-12-21

申请号：US16597532

申请日：2019-10-09

Applicant: First Data Corporation

Inventor： Vijay K. Royyuru ,  Lanny Byers ,  Cindy White ,  Charles R. Williams

IPC: G06F16/00 ,  G06F16/23 ,  G06F16/25 ,  G06F16/27

Abstract: Systems and methods are provided for a decentralized distributed ledger that hosts a directory service for customer aliases to facilitate obtaining customer account details. Aspects of the present disclosure may include receiving a request to execute a transaction, wherein the request includes identification information associated with a particular user, transmitting a communication to the database of the existing distributed ledger, wherein the second communication includes a request for an identity of a contributing entity that previously contributed user data associated with the particular user to the database, and wherein the request for the identity of the contributing entity includes an alias associated with the particular user, receiving the identity of the contributing entity, executing a request for account information for the particular user from the contributing entity, wherein the request for account information is transmitted to the contributing entity, receiving account information associated with the particular user, and executing the transaction using the account information.

公开(公告)号：US10460302B2

公开(公告)日：2019-10-29

申请号：US15291569

申请日：2016-10-12

Applicant: First Data Corporation

Inventor： Brian Green ,  Charles R. Williams

IPC: G06Q20/20 ,  G06Q10/10 ,  G06Q20/04 ,  G06Q20/32

Abstract: Embodiments of the disclosure can include systems, methods, computer-readable media, techniques and methodologies for transactional document processing. Users can utilize documents to complete transactions. A user device, such as a point of sale (POS) device may be used to enter user information as well as capture an image of a check. A financial service server, in communication with the POS device, may forward the request to a document analysis server. The document analysis server may use the information received from the POS device to determine whether the document is approved to be used in a transaction. The document analysis server may obtain financial information from an image of the check. The document analysis server may use the user information and financial information to obtain additional information (e.g., credit history, transaction history, etc.). The document analysis server may also determine whether to generate a recommendation with an approval or rejection of the use of the document for the transaction.

公开(公告)号：US20220067036A1

公开(公告)日：2022-03-03

申请号：US17525770

申请日：2021-11-12

Applicant: First Data Corporation

Inventor： Vijay K. Royyuru ,  Lanny Byers ,  Cindy White ,  Charles R. Williams

IPC: G06F16/23 ,  G06F16/25 ,  G06F16/27

Abstract: Systems and methods are provided for a decentralized distributed ledger that hosts a directory service for customer aliases to facilitate obtaining customer account details. Aspects of the present disclosure may include receiving a request to execute a transaction, wherein the request includes identification information associated with a particular user, transmitting a communication to the database of the existing distributed ledger, wherein the second communication includes a request for an identity of a contributing entity that previously contributed user data associated with the particular user to the database, and wherein the request for the identity of the contributing entity includes an alias associated with the particular user, receiving the identity of the contributing entity, executing a request for account information for the particular user from the contributing entity, wherein the request for account information is transmitted to the contributing entity, receiving account information associated with the particular user, and executing the transaction using the account information.

公开(公告)号：US20200034810A1

公开(公告)日：2020-01-30

申请号：US16593484

申请日：2019-10-04

Applicant: First Data Corporation

Inventor： Brian Green ,  Charles R. Williams

IPC: G06Q20/20 ,  G06Q10/10 ,  G06Q20/04 ,  G06Q20/32

Abstract: Embodiments of the disclosure can include systems, methods, computer-readable media, techniques and methodologies for transactional document processing. Users can utilize documents to complete transactions. A user device, such as a point of sale (POS) device may be used to enter user information as well as capture an image of a check. A financial service server, in communication with the POS device, may forward the request to a document analysis server. The document analysis server may use the information received from the POS device to determine whether the document is approved to be used in a transaction. The document analysis server may obtain financial information from an image of the check. The document analysis server may use the user information and financial information to obtain additional information (e.g., credit history, transaction history, etc.). The document analysis server may also determine whether to generate a recommendation with an approval or rejection of the use of the document for the transaction.

公开(公告)号：US12045228B2

公开(公告)日：2024-07-23

申请号：US17525770

申请日：2021-11-12

Applicant: First Data Corporation

Inventor： Vijay K. Royyuru ,  Lanny Byers ,  Cindy White ,  Charles R. Williams

IPC: G06F16/30 ,  G06F16/23 ,  G06F16/25 ,  G06F16/27

CPC classification number: G06F16/2379 ,  G06F16/256 ,  G06F16/27

Abstract: Systems and methods are provided for a decentralized distributed ledger that hosts a directory service for customer aliases to facilitate obtaining customer account details. Aspects of the present disclosure may include receiving a request to execute a transaction, wherein the request includes identification information associated with a particular user, transmitting a communication to the database of the existing distributed ledger, wherein the second communication includes a request for an identity of a contributing entity that previously contributed user data associated with the particular user to the database, and wherein the request for the identity of the contributing entity includes an alias associated with the particular user, receiving the identity of the contributing entity, executing a request for account information for the particular user from the contributing entity, wherein the request for account information is transmitted to the contributing entity, receiving account information associated with the particular user, and executing the transaction using the account information.

公开(公告)号：US11170357B2

公开(公告)日：2021-11-09

申请号：US16593484

申请日：2019-10-04

Applicant: First Data Corporation

Inventor： Brian Green ,  Charles R. Williams

IPC: G06Q20/20 ,  G06Q10/10 ,  G06Q20/04 ,  G06Q20/32

Abstract: Embodiments of the disclosure can include systems, methods, computer-readable media, techniques and methodologies for transactional document processing. Users can utilize documents to complete transactions. A user device, such as a point of sale (POS) device may be used to enter user information as well as capture an image of a check. A financial service server, in communication with the POS device, may forward the request to a document analysis server. The document analysis server may use the information received from the POS device to determine whether the document is approved to be used in a transaction. The document analysis server may obtain financial information from an image of the check. The document analysis server may use the user information and financial information to obtain additional information (e.g., credit history, transaction history, etc.). The document analysis server may also determine whether to generate a recommendation with an approval or rejection of the use of the document for the transaction.

公开(公告)号：US09785921B2

公开(公告)日：2017-10-10

申请号：US15174672

申请日：2016-06-06

Applicant: FIRST DATA CORPORATION

Inventor： Charles McGinnis ,  Christopher J. Baehr ,  Charles R. Williams

IPC: G06K5/00 ,  G06Q20/04 ,  H04N5/225 ,  G06F3/0484 ,  G06K7/14 ,  G06K7/10 ,  G06Q20/32 ,  G06Q20/20

CPC classification number: G06Q20/042 ,  G06F3/04842 ,  G06K7/10722 ,  G06K7/1413 ,  G06K7/1417 ,  G06Q20/20 ,  G06Q20/322 ,  G06Q20/3276 ,  H04N5/225

Abstract: The disclosure relates to systems and methods for processing decoupled debit transactions. In one embodiment, a system is provided. The system can include a device with a camera and a graphical user interface, and the system can further include a server. The device can identify received user information for a first transaction provided by a user to the graphical user interface of the device. The camera can capture an image of a check for the first transaction. The device can generate a first transaction message comprising the user information and the image of the check. The device can send the first transaction message to the server. The device can identify an indication received from the server that the user is approved for enrollment in a decoupled debit program, and the device further identifies an identifier received from the server for a decoupled debit program account. The graphical user display can display the indication to the user.

公开(公告)号：US20170103375A1

公开(公告)日：2017-04-13

申请号：US15291569

申请日：2016-10-12

Applicant: First Data Corporation

Inventor： Brian Green ,  Charles R. Williams

IPC: G06Q20/20 ,  G06Q20/04 ,  G06Q20/32 ,  G06Q10/10

CPC classification number: G06Q20/204 ,  G06Q10/10 ,  G06Q20/042 ,  G06Q20/3223

Abstract: Embodiments of the disclosure can include systems, methods, computer-readable media, techniques and methodologies for transactional document processing. Users can utilize documents to complete transactions. A user device, such as a point of sale (POS) device may be used to enter user information as well as capture an image of a check. A financial service server, in communication with the POS device, may forward the request to a document analysis server. The document analysis server may use the information received from the POS device to determine whether the document is approved to be used in a transaction. The document analysis server may obtain financial information from an image of the check. The document analysis server may use the user information and financial information to obtain additional information (e.g., credit history, transaction history, etc.). The document analysis server may also determine whether to generate a recommendation with an approval or rejection of the use of the document for the transaction.

公开(公告)号：US20160358131A1

公开(公告)日：2016-12-08

申请号：US15174672

申请日：2016-06-06

Applicant: FIRST DATA CORPORATION

Inventor： Charles McGinnis ,  Christopher J. Baehr ,  Charles R. Williams

IPC: G06Q20/04 ,  G06Q20/32 ,  G06K7/14 ,  G06K7/10 ,  H04N5/225 ,  G06F3/0484

CPC classification number: G06Q20/042 ,  G06F3/04842 ,  G06K7/10722 ,  G06K7/1413 ,  G06K7/1417 ,  G06Q20/20 ,  G06Q20/322 ,  G06Q20/3276 ,  H04N5/225

Abstract: The disclosure relates to systems and methods for processing decoupled debit transactions. In one embodiment, a system is provided. The system can include a device with a camera and a graphical user interface, and the system can further include a server. The device can identify received user information for a first transaction provided by a user to the graphical user interface of the device. The camera can capture an image of a check for the first transaction. The device can generate a first transaction message comprising the user information and the image of the check. The device can send the first transaction message to the server. The device can identify an indication received from the server that the user is approved for enrollment in a decoupled debit program, and the device further identifies an identifier received from the server for a decoupled debit program account. The graphical user display can display the indication to the user.

Abstract translation: 本公开涉及用于处理解耦借方交易的系统和方法。 在一个实施例中，提供了一种系统。 该系统可以包括具有照相机和图形用户界面的设备，并且该系统还可以包括服务器。 设备可以识别由用户提供给设备的图形用户界面的第一事务的接收的用户信息。 相机可以捕获第一笔交易的支票图像。 设备可以生成包括用户信息和支票的图像的第一交易消息。 设备可以将第一个事务消息发送到服务器。 设备可以识别从服务器接收到的用户被批准用于登记在去耦合的借方程序中的指示，并且该设备进一步标识从服务器接收到的用于解耦的借方程序帐户的标识符。 图形用户显示可以向用户显示指示。