公开(公告)号：US20220309502A1

公开(公告)日：2022-09-29

申请号：US17702523

申请日：2022-03-23

申请人： ROYAL BANK OF CANADA

发明人： Edison U. ORTIZ ,  Arnold BADAL-BADALIAN ,  Ming Li LIU ,  Ravi KHANDAVILLI

IPC分类号： G06Q20/40 ,  G06Q20/38

摘要： Systems and methods for secure communication of data packets are described using a communications gateway and protocol. One or more payment generator devices utilize trusted execution environments to store identity attestation parameters which are then utilized during registration and/or validation of device identity at the gateway for secure transmission of secure data, including, for example, payment data.

公开(公告)号：US20220300999A1

公开(公告)日：2022-09-22

申请号：US17746926

申请日：2022-05-17

申请人： ROYAL BANK OF CANADA

发明人： Edison U. ORTIZ ,  David Ian MCKAY ,  Christoph KNOESS ,  Seung Bong BAEK ,  Ravi KHANDAVILLI ,  Adel Al NABULSI ,  Arnold BADAL-BADALIAN

IPC分类号： G06Q30/02 ,  H04L9/40

摘要： A computational approach is proposed herein for controlling a user interface for rendering of interactive graphical control elements representing offers and coupons that are inserted into a computational payment process. In particular, the offers and coupons can interact with stored payment information resident (or tokens thereof) on a digital wallet data structure. The approach can be implemented as a computing system, a computing method operable on a computing system, or a computer program product affixed in the form of a non-transitory computer readable medium storing machine-interpretable instructions.

公开(公告)号：US20220301013A1

公开(公告)日：2022-09-22

申请号：US17701612

申请日：2022-03-22

申请人： ROYAL BANK OF CANADA

发明人： Edison U. ORTIZ ,  David Ian MCKAY ,  Christoph KNOESS ,  Ravi KHANDAVILLI ,  Adel Al NABULSI

IPC分类号： G06Q30/02 ,  G06Q20/38 ,  G06Q20/40 ,  G06N20/00

摘要： Systems and methods for establishing data linkages are described in various embodiments. A system architecture is described which provides a data processing orchestrator device or service which securely interoperates with data sets at various points in time associated with a set of interactions a user may have with computer systems. The data sets are obtained from different data repositories, and are combined together for analysis such that a first data set representing intents (e.g., web search/browse history) can be combined together with a second data set representing outcomes (e.g., purchase transaction history, web site shopping carts).

公开(公告)号：US20220400145A1

公开(公告)日：2022-12-15

申请号：US17840424

申请日：2022-06-14

申请人： ROYAL BANK OF CANADA

发明人： Arnold BADAL-BADALIAN ,  Edison U. ORTIZ ,  William Kwok Hung CHEUNG ,  Seung Bong BAEK ,  Ravi KHANDAVILLI

IPC分类号： H04L65/70 ,  H04L9/40 ,  H04L65/403

摘要： Systems, methods, and computer readable media are directed in various embodiments for providing multiuser sessions for coordinated electronic transactions. A technical solution is directed to coordinating the electronic transactions across a plurality of instances, where the underlying users of the instances can include at least two users. Access to sensitive information can be restricted using a trusted execution environment and access can be given in accordance with the coordinated electronic transactions.

公开(公告)号：US20230252463A1

公开(公告)日：2023-08-10

申请号：US18133896

申请日：2023-04-12

申请人： ROYAL BANK OF CANADA

发明人： Arnold BADAL-BADALIAN ,  Seung Bong BAEK ,  Ravi KHANDAVILLI

IPC分类号： G06Q20/38

CPC分类号： G06Q20/3829

摘要： A computer system and method for populating electronic payment credentials is provided. The system comprises at least one processor and a memory storing instructions which when executed by the processor configure the processor to perform the method. The method comprises receiving a browser extension activation input, sending a payment details request message to a financial institution system, receiving payment details from the financial institution system following authentication at a mobile device, and populating a payment form on the browser using the payment details. Dynamic credentials are provided by the financial institution system and combined with pre-populated tokenized credentials during automatic entry into the payment form.

公开(公告)号：US20230186376A1

公开(公告)日：2023-06-15

申请号：US18082513

申请日：2022-12-15

申请人： ROYAL BANK OF CANADA

发明人： Edison U. ORTIZ ,  Gabriel Y. WOO ,  Ravi KHANDAVILLI ,  Adel Al NABULSI ,  Kirsten MACKERETH ,  Justin SIMONELIS

IPC分类号： G06Q30/0601 ,  G06F9/451

CPC分类号： G06Q30/0643 ,  G06F9/451

摘要： There is provided a computer system and method for orchestrating user interface, the method include: obtaining a first data set representative of intercepted data communication messages between a user interface of a user and a merchant hosting server; obtaining a second data set representing an instruction set for loading visual elements on the user interface provided from the merchant hosting server; analyzing the first data set to obtain one or more user-specific characteristics; determining if the user-specific characteristics associated with the user satisfy a trigger condition associated with a current resource offering; and responsive to a positive determination: injecting, into the instruction set for loading the visual elements on the user interface provided from the merchant hosting server, code corresponding to an interactive visual element corresponding to the current resource offering.