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公开(公告)号：US12056705B1
公开(公告)日：2024-08-06
申请号：US18164245
申请日：2023-02-03
申请人： UIPCO, LLC
发明人： Bryan J. Osterkamp , Will Kerns Maney, Jr. , Andre Rene Buentello , Mark Paxman Warnick , Jose L. Romero, Jr. , Oscar Roberto Tijerina , Sean Carl Mitchem , Timothy Blair Chalmers , Ruthie D. Lyle , Mitzi Ruiz
CPC分类号： G06Q20/40145 , G06F21/32 , G06Q20/3821 , G06Q20/40155
摘要： A touchless method and system of performing an authentication of a person in order to permit access to a secured resource is disclosed. The system and method are configured to collect channel state information associated with a person as they pass through a sensor zone and identify a biometric signal for the person. The system detects whether there is a match between the biometric signal and any biometric signals previously collected and stored in a database. If there is a match, the system verifies an identity of the person and can be configured to automatically grant the person access to one or more services, features, or locations for which he or she is authorized based on the authentication.
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公开(公告)号：US12020254B1
公开(公告)日：2024-06-25
申请号：US18152823
申请日：2023-01-11
申请人： UIPCO, LLC
发明人： Robert Lee Black , Matthew Ryan Santacroce , Andre Rene Buentello , Jose L. Romero, Jr. , Timothy Blair Chalmers , Samip Dilip Mehra
CPC分类号： G06Q20/40145 , G06K7/0008 , G06Q20/341 , G06Q20/405
摘要： A system and method for preventing fraudulent credit card or debit card transactions by coupling a smart phone to the credit card or the debit card, and transmitting identification information from the smart phone to the card. The card is normally disabled such that no transaction may take place unless the card is enabled. The card receives the transmitted identification information and compares that information to corresponding information stored on the card. If the received information matches the stored information, the card is enabled thus allowing the transaction to take place.
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公开(公告)号：US11599756B1
公开(公告)日：2023-03-07
申请号：US17505879
申请日：2021-10-20
申请人： UIPCO, LLC
发明人： Robert Lee Black , Matthew Ryan Santacroce , Andre Rene Buentello , Jose L. Romero, Jr. , Timothy Blair Chalmers , Samip Dilip Mehra
IPC分类号： G06K19/06 , G06K19/02 , G06K19/077 , G06K19/073 , G06K19/07
摘要： A flexible chip card such as a credit card or a debit card that incorporates a protective layer that precludes unauthorized access to the chip in the chip card. The protective layer is a highly conductive layer that shields the chip and prevents electromagnetic waves that may be emitted by an illicit device from accessing the chip. This protective layer thus prevents any unauthorized persons from obtaining confidential information from the chip card that may then be used to consummate fraudulent transactions or conduct other illicit activities. In one embodiment, the flexible chip card includes one or more stiffening structures to provide rigidity to the chip card.
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公开(公告)号：US12067100B1
公开(公告)日：2024-08-20
申请号：US18366088
申请日：2023-08-07
申请人： UIPCO, LLC
发明人： Kelly Q. Baker , William Preston Culbertson, II , Will Kerns Maney, Jr. , Gregory David Hansen , Jerry John Maestas , Oscar Guerra , Gregory Brian Meyer , Ana Maldonado , Michelle Susan Croak , Andre Rene Buentello , Stacy Callaway Huggar , Jose L. Romero, Jr.
CPC分类号： G06F21/35 , G06F1/163 , G06F21/32 , G06Q20/321 , G06Q20/3278 , G06Q20/40145
摘要： A dual wearable smart device system and a method of using the dual wearable smart device system for authenticating an electronic financial transaction are described. In one embodiment, a method for approving an electronic financial transaction using at least two wearable smart devices includes providing a first wearable smart device that is designated as a payment device for conducting electronic financial transactions. The method also includes providing a second wearable smart device that is designated as a confirmation device for confirming the electronic financial transactions by the first wearable smart device. The method includes initiating, by the first wearable smart device, an electronic financial transaction, and, approving, by the second wearable smart device, the electronic financial transaction initiated by the first wearable smart device. The method further includes authenticating the first wearable smart device to complete the electronic financial transaction.
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公开(公告)号：US11860988B1
公开(公告)日：2024-01-02
申请号：US17006043
申请日：2020-08-28
申请人： UIPCO, LLC
发明人： Kelly Q. Baker , William Preston Culbertson, II , Will Kerns Maney, Jr. , Gregory David Hansen , Jerry John Maestas , Oscar Guerra , Gregory Brian Meyer , Ana Maldonado , Michelle Susan Croak , Andre Rene Buentello , Stacy Callaway Huggar , Jose L. Romero, Jr.
CPC分类号： G06F21/35 , G06F1/163 , G06F3/017 , G06F21/32 , G06Q20/321 , G06Q20/3278 , G06Q20/40145 , G06V40/172 , G06F2221/2113
摘要： A method and system for a one-time authentication interaction to conduct electronic financial transactions using a wearable smart ring device is described. In one embodiment, a method includes detecting, by a mobile device, that a wearable smart ring device is being worn by a user. The method also includes receiving, by the mobile device, authentication information associated with the user, and comparing the received authentication information with stored authentication information associated with the user. Upon determining that the received authentication information matches the stored authentication information, the wearable smart ring device is authorized to conduct electronic financial transactions. Additionally, the wearable smart ring device remains authorized to conduct electronic financial transactions as long as it is worn by the user. Once removed from the user's finger, the wearable smart ring device is de-authorized.
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公开(公告)号：US11468506B1
公开(公告)日：2022-10-11
申请号：US17218936
申请日：2021-03-31
申请人： UIPCO, LLC
发明人： Bryan J. Osterkamp , Will Kerns Maney, Jr. , Andre Rene Buentello , Mark Paxman Warnick , Jose L. Romero, Jr. , Oscar Roberto Tijerina , Sean Carl Mitchem , Timothy Blair Chalmers , Ruthie D. Lyle , Mitzi Ruiz
摘要： The present disclosure relates to a system, method, and mobile computing device apparatus for detecting the physical presence of a bank customer at a bank branch, and delivering an enhanced customer service experience by anticipating the bank customer's needs. Detection of the bank customer through visual data such as facial recognition, or electronic data such as medium range electronic communication networks to the customer's mobile computing device, allow a bank to retrieve relevant customer profile and customer transaction history data and use that data to deliver communications to the customer even before the customer speaks to a bank teller.
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公开(公告)号：US11224817B1
公开(公告)日：2022-01-18
申请号：US16798063
申请日：2020-02-21
申请人： UIPCO, LLC
发明人： Jose L. Romero, Jr. , Reynaldo Medina, III , Andre Rene Buentello , Noe Alberto Martinez , Cayley Danielle Collum , Emily Kathleen Krebs , Christopher Russell
IPC分类号： A63F13/792 , A63F13/49 , G06Q20/12
摘要： Embodiments described herein disclose technology for allocating funds related to one or more in-game purchases when users interact with a gaming application. Based on the interactions of a user with the gaming application running on a client device of the user, a gaming server receives information of an in-game purchase by the user. The gaming server notifies a second computer server of the in-game purchase which sends an activation link to the user. When the second computer detects selection of the activation link, funds are electronically transferred from the gaming application to one or more accounts. In some embodiments, the funds allocated to the one or more accounts can be a percentage of the in-game purchase amount.
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公开(公告)号：US11842388B1
公开(公告)日：2023-12-12
申请号：US17812199
申请日：2022-07-13
申请人： UIPCO, LLC
发明人： Bryan J. Osterkamp , Will Kerns Maney, Jr. , Andre Rene Buentello , Mark Paxman Warnick , Jose L. Romero, Jr. , Oscar Roberto Tijerina , Sean Carl Mitchem , Timothy Blair Chalmers , Ruthie D. Lyle , Mitzi Ruiz
IPC分类号： G06Q40/02 , G06Q30/016
CPC分类号： G06Q40/02 , G06Q30/016
摘要： The present disclosure relates to a system, method, and mobile computing device apparatus for detecting the physical presence of a bank customer at a bank branch, and delivering an enhanced customer service experience by anticipating the bank customer's needs. Detection of the bank customer through visual data such as facial recognition, or electronic data such as medium range electronic communication networks to the customer's mobile computing device, allow a bank to retrieve relevant customer profile and customer transaction history data and use that data to deliver communications to the customer even before the customer speaks to a bank teller.
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公开(公告)号：US11734401B1
公开(公告)日：2023-08-22
申请号：US16825670
申请日：2020-03-20
申请人： UIPCO, LLC
发明人： Emily Kathleen Krebs , Jose L. Romero, Jr. , Reynaldo Medina, III , Andre Rene Buentello , Noe Alberto Martinez , Cayley Danielle Collum , Christopher Russell
CPC分类号： G06F21/32 , G06F21/316 , G06F21/34 , H04L51/52 , H04L63/0861 , H04W12/06
摘要： Authentication techniques are described to allow a person to be authenticated to interact with an organization, where a type of authentication can be determined based on an environment in which the person is located. For example, an authentication server can collect a status information related to a safety setting of a mobile device. The safety setting can be enabled, e.g., if a person is driving a vehicle. When enabled, the safety setting can prevent the person from performing one or more operations on the mobile device. Based on the collected status information, the authentication server can request the person to provide user information via the mobile device so that the authentication server can determine whether the person is authenticated to interact with an organization.
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公开(公告)号：US11568410B1
公开(公告)日：2023-01-31
申请号：US16997987
申请日：2020-08-20
申请人： UIPCO, LLC
发明人： Robert Lee Black , Matthew Ryan Santacroce , Andre Rene Buentello , Jose L. Romero, Jr. , Timothy Blair Chalmers , Samip Dilip Mehra
摘要： A system and method for preventing fraudulent credit card or debit card transactions by coupling a smart phone to the credit card or the debit card, and transmitting identification information from the smart phone to the card. The card is normally disabled such that no transaction may take place unless the card is enabled. The card receives the transmitted identification information and compares that information to corresponding information stored on the card. If the received information matches the stored information, the card is enabled thus allowing the transaction to take place.
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