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公开(公告)号：US20240126575A1
公开(公告)日：2024-04-18
申请号：US18395959
申请日：2023-12-26
发明人： Alexander KIRIAKOU , Milos Dunjic , Arthur Carroll Chow , John Jong-Suk Lee , Arun Victor Jagga
IPC分类号： G06F9/451 , G06F3/04847 , G06Q20/10 , G06Q20/20 , G07G1/01
CPC分类号： G06F9/451 , G06F3/04847 , G06Q20/102 , G06Q20/20 , G07G1/01 , G06F3/0482
摘要： The disclosed embodiments include computer-implemented systems and processes that dynamically and selectively modify portions of a displayed interface to include interface elements that, when selected by a user through a single provided input, initiate a performance of a data exchange in accordance with parameter values consistent with prior initiated data exchanges. For example, a communications device may display, on a display unit, a first interface element representative of a first data exchange and may receive expected values of parameters that characterize the second data exchange. When a determined parameter value is consistent with the expected parameter values, the communications device may modify the first interface element and present, on the display unit, the modified first interface element and a second interface element within the interface. Upon selection of the second interface element, the communications device may initiate the second data exchange in accordance with the expected parameter values.
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公开(公告)号：US11604899B2
公开(公告)日：2023-03-14
申请号：US16900447
申请日：2020-06-12
发明人： Perry Aaron Jones Haldenby , Arthur Carroll Chow , Anthony Haituyen Nguyen , Het Anand Patel , Casey Lyn Doyle , Yubing Liu , John Jong-Suk Lee
IPC分类号： G06F21/62 , G06F16/23 , G06F16/93 , G06F16/435 , G06F16/2458 , G06F16/2455 , G06Q20/00 , H04W12/08 , H04W12/086 , H04L67/50 , G06F3/0482 , G06F21/53 , G06Q30/04 , G06Q20/38 , H04W12/06 , G06Q20/10 , G06Q20/14 , G06Q10/0631 , G06Q10/087 , G06Q10/105 , G06Q10/1093 , G06F3/0484 , G06F3/0488 , G06F3/14 , H04L67/1097 , G06F11/30 , G06Q20/40 , G06Q50/22
摘要： The present disclosure involves systems, software, and computer implemented methods for providing user interface (UI)-based modifications to adjust and interact with data exchange splits. An example client device can include can identify a data exchange (DE) associated with at least three entities, the DE associated with a total value. A visualization representing the DE can be presented via a UI and can include a chart comprising the total value of the DE exchange divided into value areas that are each associated with a particular entity. In response to a detection of input associated with a selection of an edge between a first and second value area, the combined value area associated with the first and second value areas can be locked. In response to detected movement input associated with the edge, the relative values of the first and second inside the combined value area can be adjusted in the visualization.
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3.发明授权公开(公告)号：US11443066B2
公开(公告)日：2022-09-13
申请号：US15720549
申请日：2017-09-29
发明人： Nasim Sarir , John William Thomas , Simona Heath , Diane Lee , Richard Thomas , John Jong-Suk Lee , Arun Victor Jagga
IPC分类号： G06Q10/00 , G06Q20/00 , G06Q30/00 , G06Q50/00 , G06F16/00 , G06F11/00 , G06F3/00 , H04W12/00 , G06F21/00 , H04L67/00 , G06F21/62 , G06F16/23 , G06F16/93 , G06F16/435 , G06F16/2458 , G06F16/2455 , H04L67/50 , H04W12/08 , H04W12/086 , G06F3/0482 , G06F21/53 , G06Q30/04 , G06Q20/38 , H04W12/06 , G06Q20/10 , G06Q20/14 , G06Q10/06 , G06Q10/08 , G06Q10/10 , G06F3/0484 , G06F3/0488 , G06F3/14 , H04L67/1097 , G06F11/30 , G06Q20/40 , G06Q50/22
摘要： This application provides for determining a suggested action initiation time for an interaction with an interacting party. Some aspects comprise: determining an interaction settlement due date; querying an interaction database storing historical interaction records to determine if there is one or more of the historical interaction records related by one or more factors to the interacting party; retrieving, from the interaction database (where there is one or more historical interaction record(s) related to the interacting party), historical interaction data; determining from the retrieved historical interaction data a predicted processing time for the interaction; and determining, based on the interaction settlement due date and the predicted processing time, the suggested action initiation time. The suggested action initiation time comprises a time by which an action for settling the interaction with the interacting party is suggested to be initiated to effect settlement of the interaction by the interaction settlement due date.
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公开(公告)号：US11157908B2
公开(公告)日：2021-10-26
申请号：US15650180
申请日：2017-07-14
发明人： Milos Dunjic , Perry Aaron Jones Haldenby , Arthur Carroll Chow , Het Anand Patel , Casey Lyn Doyle , Yubing Liu , Anthony Haituyen Nguyen , David Samuel Tax , Arun Victor Jagga , John Jong-Suk Lee
摘要： The disclosure generally describes computer-implemented methods, software, and systems, including a method for placing a card into an alert state. An alert detection indication is received during an attempted data exchange using a permanent account number (PAN) associated with a card. The alert detection indication is received by an electronic controller embedded in the card and is received through an interface. The alert detection indication indicates that the PAN has an alert state identified for the PAN by an entity that issued the card. An operational mode of the card is modified into the alert state by the electronic controller and is based on receipt of the alert detection indication. An electronic display indicating that the card is in the alert state is displayed by the electronic controller.
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公开(公告)号：US10958642B2
公开(公告)日：2021-03-23
申请号：US15946703
申请日：2018-04-05
发明人： Arthur Carroll Chow , Anthony Haituyen Nguyen , Perry Aaron Jones Haldenby , Milos Dunjic , David Tax , John Jong-Suk Lee , Arun Victor Jagga
摘要： The disclosed exemplary embodiments include computer-implemented devices, apparatuses, and processes that, among other things, perform dynamic biometric authentication based on distributed ledger data. For example, a device may compute a first hash value based on first biometric data captured by a sensor unit, and may transmit a request to, and receive a response from, a computing system across a communications network via the communications unit. The request may cause the computing system to execute instructions maintained within the distributed ledger data, and to extract second biometric data maintained within an element of the distributed ledger data. The second biometric data may include a second hash, which the computing system may incorporate into the response. The device may authenticate an identity associated with the device when the first hash value corresponds to the second hash value incorporated within the response.
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公开(公告)号：US10956905B2
公开(公告)日：2021-03-23
申请号：US15725689
申请日：2017-10-05
发明人： Milos Dunjic , Perry Aaron Jones Haldenby , Arthur Carroll Chow , Anthony Haituyen Nguyen , Het Anand Patel , Casey Lyn Doyle , Yubing Liu , John Jong-Suk Lee , David Samuel Tax , Arun Victor Jagga
摘要： Computer-implemented methods and systems reliant on establishing a common session key between an electronic device and a computer server are disclosed. The method and systems may be for processing de-tokenization requests in payment transaction processing and for preparing an electronic device to perform payment transactions. During such a transaction, the server may perform a method that includes receiving a de-tokenization request including a payment token and a cryptogram generated by the electronic device using a session key generated by the electronic device based on a fingerprint of the electronic device, a secret value previously shared with the electronic device, the payment token, and a transaction counter; retrieving the fingerprint, the secret value, and the transaction counter and generating the session key based on the same; verifying the cryptogram using the session key; retrieving an associated account number; and sending response to the request including the account number.
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7.发明授权公开(公告)号：US10862897B2
公开(公告)日：2020-12-08
申请号：US15946475
申请日：2018-04-05
发明人： Dino D'Agostino , Perry Aaron Jones Haldenby , Dean Tseretopoulos , Jeffrey Ecker , Adam Douglas McPhee , Milos Dunjic , John Jong-Suk Lee , Arun Victor Jagga
摘要： The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, authorize initiated exchanges of data in real-time based on dynamically generated tokenized data. For example, an apparatus may receive first positional data identifying a first geographic position of a client device and based on the first positional data, the apparatus may determine a value of a parameter characterizing an exchange of data between the client device and a terminal device disposed proximate to the client device during a temporal interval. The apparatus may transmit data requesting a pre-authorization of the data exchange to a computing system, which perform operations that pre-authorize the data exchange in accordance with the parameter value and transmit a digital token representative of the pre-authorized data exchange to the terminal device. The digital token may be valid during the temporal interval and may include a cryptogram associated with the client device.
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公开(公告)号：US10713633B2
公开(公告)日：2020-07-14
申请号：US15660145
申请日：2017-07-26
IPC分类号： G06Q20/14 , G06Q40/00 , G06Q20/32 , G06Q20/10 , G06F3/0488 , G06F3/0482
摘要： There is provided a computing device and method to perform a data transfer using a document. Data to define at least one parameter of a data transfer is defined from data in the document. The document may have text characters or images of text characters (or both) for the data. A GUI may display the document and receive input to identify the data and define the at least one parameter. The document image may be processed to determine the text characters such as by OCR. The document may be a photo (image) captured by a camera on or coupled to the computing device. A GUI may be defined to provide workflow to define the data transfer signal such as a message. Functionality to capture text characters from documents, particularly images, may be added to applications such as via a plug in or otherwise.
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公开(公告)号：US10708721B2
公开(公告)日：2020-07-07
申请号：US16521355
申请日：2019-07-24
发明人： Denny Devasia Kuruvilla , Vipul Kishore Lalka , Paige Elyse Dickie , Harjot Panag , Arun Victor Jagga , John Jong-Suk Lee , Michael W. Van Eesbeck
摘要： The present disclosure involves systems, software, and computer implemented methods for identifying locations associated with particular users in response to requests from a visitor or fellow user. One example system includes a communications module, a plurality of sensors located in a defined area configured to at least partially determine locations of at least one person, and a location database including location information received from the sensors associating particular persons with particular locations associated with particular sensors. A request for a location associated with a particular person is received from a first device. A current location associated with one of the plurality of sensors is determined from the location database, wherein the current location is also associated with the particular person. A response to request is generated including the current location and is transmitted to the first device.
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10.发明申请公开(公告)号：US20190311364A1
公开(公告)日：2019-10-10
申请号：US15946132
申请日：2018-04-05
发明人： Milos DUNJIC , Arthur Caroll Chow , Anthony Haituyen Nguyen , Casey Lyn Doyle , Yubing Liu , Het Anand Patel , Stephen John McCann , Perry Aaron Jones Haldenby , David Samuel Tax , John Jong-Suk Lee , Arun Victor Jagga
摘要： The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, generate and provision digital tokens based on dynamically obtained contextual data. For example, an apparatus may receive first information that characterizes an exchange of data initiated by a first application program executed by the apparatus, and may generate and transmit a signal to a computing system through a programmatic interface associated with a second application program executed by the apparatus. In some instances, the first signal may include the first information and data that instructs the computing system to obtain a digital token representative of a data type available for use in the data exchange. The apparatus may also receive a second signal that includes the digital token and based on the digital token, perform operations that present second information characterizing the available data type on an interface.
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