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公开(公告)号：US11429966B1
公开(公告)日：2022-08-30
申请号：US15823349
申请日：2017-11-27
申请人： UIPCO, LLC
发明人： Patrick Adam
摘要： Embodiments described herein disclose methods and systems for authorizing a payment card transaction using dynamic codes. The system can issue a payment card to a user. The payment card can be associated with a verification application accessible by a device associated with the user. The verification application can include a dynamic code associated with the payment card. The system can receive a request for authorization for a transaction using the payment card from a remote computing device, and the request can include an identifier of the payment card and a verification code. The system can identify the payment card using the identifier of the payment card and can compare the verification code with a value of the dynamic code at the time of the transaction. The system can authorize the transaction when the verification code matches the value of the dynamic code at the time of the transaction.
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公开(公告)号：US10917516B1
公开(公告)日：2021-02-09
申请号：US16706557
申请日：2019-12-06
申请人： UIPCO, LLC
摘要： Embodiments described herein disclose methods and systems for providing selective data access to representatives. In some embodiments, the system can monitor a call between a user and a representative regarding a subject matter. The user can have an associated profile with data, and the data can be locked such that the representative cannot access the data. During the conversation between the representative and the user, the system can continuously convert both parties' speech into text. The system can determine an intent of the call based on the text and unlock a portion of the data about the user based on the determined intent of the call. Only the unlocked portion of the data is displayed to the representative.
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公开(公告)号：US11488165B1
公开(公告)日：2022-11-01
申请号：US16863487
申请日：2020-04-30
申请人： UIPCO, LLC
摘要： A system and method for providing proof of a digital identification of a user which may include activating, on a mobile computing device, a bank application and a digital identification service provider application, and which may allow the bank application to have access to user accounts after the bank application receives a digital identification from the digital identification service provider application in order to provide proof of identify with speed and security.
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公开(公告)号：US12008641B1
公开(公告)日：2024-06-11
申请号：US16712600
申请日：2019-12-12
申请人： UIPCO, LLC
发明人： Patrick Adam , Benjamin Goos , Gabriel Carlos Fernandez , Christopher Paul Blanchard , Gage Robert Lynch
CPC分类号： G06Q40/03 , G06F16/2379 , G06F21/602 , G06Q50/265 , H04L63/083 , H04L63/0861 , H04L63/0884
摘要： Systems and methods are described to facilitate an efficient on-boarding experience for users joining a financial institution, while maintaining the integrity of certain operations to determine whether the users are eligible for certain financial products based on the personal information of the users. For instance, a first server may perform an approval process by receiving a request to verify an identity of the user using a digital identity service, sending to a second server a request to obtain one or more categories of personal information about the user, receiving personal information associated with the one or more categories selected by or authorized by the user, determining, based on at least some of the received personal information, that the user is approved for a payment card, and sending information associated with the payment card to a mobile device.
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公开(公告)号：US11605078B1
公开(公告)日：2023-03-14
申请号：US16706582
申请日：2019-12-06
申请人： UIPCO, LLC
发明人： Patrick Adam
摘要： Embodiments described herein disclose methods and systems for authorizing a payment card transaction using a dynamic code accessed from a first device and a presence of a second device. The dynamic code can be accessed on a first device when the second device is within a proximity of the first device (e.g., electronically paired using a short-range communication protocol, on the same local area network). The system can receive a request for authorization of a transaction using the payment card and can include a verification code associated with the payment card and an identifier of the payment card, and the payment card can have the associated dynamic code. The verification code can be compared with a value of the dynamic code at the time of the transaction. In response to the verification code matching the dynamic code at the time of the transaction, the system can authorize the transaction.
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公开(公告)号：US11301857B1
公开(公告)日：2022-04-12
申请号：US16045916
申请日：2018-07-26
申请人： UIPCO, LLC
发明人： Patrick Adam
摘要： Embodiments described herein disclose methods and systems for authorizing a payment card transaction using dynamic codes. The system can receive a request for authorization of a transaction using the payment card. The request can identify a verification code associated with the payment card and an identifier of the payment card, and the payment card can have an associated dynamic code accessible to a user via a channel. The verification code can be compared with a value of the dynamic code at the time of the transaction. The system can determine whether the user of the payment card accessed the channel within a time period prior to receiving the request for authorization. In response to the verification code matching the dynamic code at the time of the transaction and determining that the user accessed the channel within the time period prior to receiving the request, the system can authorize the transaction.
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公开(公告)号：US11954684B1
公开(公告)日：2024-04-09
申请号：US17820793
申请日：2022-08-18
申请人： UIPCO, LLC
CPC分类号： G06Q20/4014 , G06Q20/108
摘要： A system and method for providing proof of a digital identification of a user which may include activating, on a mobile computing device, a bank application and a digital identification service provider application, and which may allow the bank application to have access to user accounts after the bank application receives a digital identification from the digital identification service provider application in order to provide proof of identify with speed and security.
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公开(公告)号：US11140158B1
公开(公告)日：2021-10-05
申请号：US16282179
申请日：2019-02-21
申请人： UIPCO, LLC
摘要： Embodiments described herein disclose technology for verifying authorization of an application download. The system can receive from a device associated with a user, a request to download an application. In response to a first instance of the application being downloaded on the device, the system can assign a unique identifier to the first instance of the application. After the application is downloaded and prior to granting the person requesting the application download access to the first instance of the application, the system can request via the first instance of the application identification information and particular authentication information to verify that the person requesting the application download is authorized to do so. In response to verifying that the person requesting the application download is authorized, the unique identifier can be associated with the account, user and/or device to result in a verified download of the first instance of the application.
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