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公开(公告)号：US20240362557A1
公开(公告)日：2024-10-31
申请号：US18766394
申请日：2024-07-08
发明人： Abraham Drucker , Khushbu Katariya , Timothy R. Knowlton , Shelby K. Morita-Fowler , Brian M. Pearce , Dana Roytenberg , John T. Wright
IPC分类号： G06Q10/0631 , G06Q40/12
CPC分类号： G06Q10/06313 , G06Q10/063114 , G06Q40/12
摘要： A method for managing a budget includes determining, by a budget management system, funds of a project management account that are to be routed to a task manager for a project. The determining comprises: determining a current progress of a task managed by the task manager, the task included in a budget for the project that identifies the task manager and that includes payment information for the task manager that specifies a financial account, determining an amount owed to the task manager, and setting the amount owed to the task manager as the amount of the funds to be routed to the task manager. The method further comprises transmitting, by the budget management system to a financial computing system, a request to transfer the determined funds to the financial account specified by the payment information.
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公开(公告)号：US12099995B2
公开(公告)日：2024-09-24
申请号：US18135631
申请日：2023-04-17
发明人： Peter Ho , Ashish B. Kurani , Brian M. Pearce , Steven E. Puffer
IPC分类号： G06Q20/36 , G06Q20/10 , G06Q20/22 , G06Q20/24 , G06Q20/26 , G06Q20/32 , G06Q20/38 , G06Q20/40
CPC分类号： G06Q20/3672 , G06Q20/108 , G06Q20/227 , G06Q20/24 , G06Q20/26 , G06Q20/3223 , G06Q20/3226 , G06Q20/3674 , G06Q20/3821 , G06Q20/4014 , G06Q20/405
摘要： A method includes receiving, by a provider computing system from an initiating device, an encrypted network return address of an user device that identifies a network address of the user device; receiving, by the provider computing system and from the user device, an encryption key configured to decrypt the encrypted network return address; decrypting, by the provider computing system, the encrypted network return address using the encryption key; and providing, by the provider computing system, a code to the user device based on the decrypted network return address by transmitting the code to the user device without going through the initiating device.
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公开(公告)号：US12050713B1
公开(公告)日：2024-07-30
申请号：US17478108
申请日：2021-09-17
发明人： Lila Fakhraie , Brian M. Pearce , Steven Pulido , Benjamin Soccorsy , James Stahley , Mojdeh Tomsich
IPC分类号： H04L29/06 , G06F16/215 , G06F21/62 , H04L9/40
CPC分类号： G06F21/6245 , H04L63/10 , G06F16/215 , G06F21/6263
摘要： Systems, methods, and apparatuses for providing a central location to manage permissions provided to third-parties and devices to access and use user data and to manage accounts at multiple entities. A central portal may allow a user to manage all access to account data and personal information as well as usability and functionality of accounts. The user need not log into multiple third-party systems or customer devices to manage previously provided access to the information, provision new access to the information, and to manage financial or other accounts. A user is able to have user data and third-party accounts of the user deleted from devices, applications, and third-party systems via a central portal. The user is able to impose restrictions on how user data is used by devices, applications, and third-party systems, and control such features as recurring payments and use of rewards, via a central portal.
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公开(公告)号：US12039077B1
公开(公告)日：2024-07-16
申请号：US17563785
申请日：2021-12-28
发明人： Lila Fakhraie , Brian M. Pearce , Steven Pulido , Benjamin Soccorsy , James Stahley , Mojdeh Tomsich
IPC分类号： H04L29/06 , G06F16/215 , G06F21/62 , H04L9/40
CPC分类号： G06F21/6245 , H04L63/10 , G06F16/215 , G06F21/6263
摘要： Systems, methods, and apparatuses for providing a central location to manage permissions provided to third-parties and devices to access and use user data and to manage accounts at multiple entities. A central portal may allow a user to manage all access to account data and personal information as well as usability and functionality of accounts. The user need not log into multiple third-party systems or customer devices to manage previously provided access to the information, provision new access to the information, and to manage financial or other accounts. A user is able to have user data and third-party accounts of the user deleted from devices, applications, and third-party systems via a central portal. The user is able to impose restrictions on how user data is used by devices, applications, and third-party systems, and control such features as recurring payments and use of rewards, via a central portal.
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5.发明公开公开(公告)号：US20240078557A1
公开(公告)日：2024-03-07
申请号：US18387370
申请日：2023-11-06
发明人： Peter Ho , Brian M. Pearce
摘要： Methods and systems of exchanging data using payment cards with universal reference numbers are disclosed. A merchant computing system includes a merchant input/output assembly receiving a universal reference number from a customer at a point of sale. A merchant database retrievably stores a plurality of universal reference numbers and customer information associated with each of the plurality of universal reference numbers. A transaction circuit receives the universal reference number from the merchant input/output assembly, retrieves customer information associated with the universal reference number, and provides an output relating to a transaction based on the customer information.
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公开(公告)号：US11899815B1
公开(公告)日：2024-02-13
申请号：US16209708
申请日：2018-12-04
发明人： Lila Fakhraie , Brian M. Pearce , Steven Pulido , Benjamin Soccorsy , James Stahley , Mojdeh Tomsich
IPC分类号： G06F21/62 , G06Q40/02 , H04L9/40 , G06F3/0484 , G06F3/04817 , G06F3/0482
CPC分类号： G06F21/6245 , G06Q40/02 , H04L63/102 , G06F3/0482 , G06F3/0484 , G06F3/04817 , G06F21/6263
摘要： Systems, methods, and apparatuses for providing a customer a central location to manage permissions provided to third-parties and devices to access and use customer information maintained by a financial institution are described. The central location serves as a central portal where a customer of the financial institution can manage all access to account information and personal information stored at the financial institution. Accordingly, the customer does not need to log into each individual third-party system or customer device to manage previously provided access to the customer information or to provision new access to the customer information. A user additionally is able to have user data and third-party accounts of the user deleted from devices, applications, and third-party systems via a central portal.
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公开(公告)号：US11756114B1
公开(公告)日：2023-09-12
申请号：US17370861
申请日：2021-07-08
CPC分类号： G06Q40/02 , G06F21/6245 , H04L63/102
摘要： Systems, methods, and apparatuses for providing a customer a central location to manage permissions provided to third-parties and devices to access and use customer information maintained by a financial institution are described. The central location serves as a central portal where a customer of the financial institution can manage all access to account information and personal information stored at the financial institution. Accordingly, the customer does not need to log into each individual third-party system or customer device to manage previously provided access to the customer information or to provision new access to the customer information.
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公开(公告)号：US20230274277A1
公开(公告)日：2023-08-31
申请号：US18142558
申请日：2023-05-02
发明人： Ashish B. Kurani , Kristine Ing Kushner , Brian M. Pearce , Steven E. Puffer , Nikolai Stroke , Paul Vittimberga , Young M. Yang
IPC分类号： G06Q20/40
CPC分类号： G06Q20/4014
摘要： A computing system includes an interface configured to communicate with an entity computing system associated with a merchant via a network, an identity database storing verified personal identifying information, a memory, and at least one processor configured to: determine whether an individual is associated with an existing user account; prompt the individual to create a user account; verify an identity of the individual using personal identifying information associated with the individual; receive non-financial information associated with the individual; generate a user-level profile having the non-financial information; generate a user-level token unique to the individual; transmit the user-level token to a device associated with the individual; receive an identity verification request having the user-level token; validate the user-level token; determine that the identity verification request includes contextual data; determine the non-financial information that is relevant to the contextual data; and transmit a verification approval and the non-financial information.
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公开(公告)号：US11429742B1
公开(公告)日：2022-08-30
申请号：US16211391
申请日：2018-12-06
发明人： Lila Fakhraie , Brian M. Pearce , Steven Pulido , Benjamin Soccorsy , James Stahley , Mojdeh Tomsich
IPC分类号： G06F21/62 , H04L9/40 , G06F16/215
摘要： Systems, methods, and apparatuses for providing a customer a central location to manage permissions provided to third-parties and devices to access and use customer information maintained by a financial institution are described. The central location serves as a central portal where a customer of the financial institution can manage all access to account information and personal information stored at the financial institution. Accordingly, the customer does not need to log into each individual third-party system or customer device to manage previously provided access to the customer information or to provision new access to the customer information. A user additionally is able to have user data and third-party accounts of the user deleted from devices, applications, and third-party systems via a central portal. Restrictions on how user data is used by devices, applications, and third-party systems can be imposed via a central portal.
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公开(公告)号：US11074530B1
公开(公告)日：2021-07-27
申请号：US16229384
申请日：2018-12-21
发明人： Abraham Drucker , Khushbu Katariya , Timothy R. Knowlton , Shelby K. Morita-Fowler , Brian M. Pearce , Dana Roytenberg , John T. Wright
摘要： A method for managing a budget includes determining, by a budget management system, funds of a project management account that are to be routed to a task manager for a project. The determining comprises: determining a current progress of a task managed by the task manager, the task included in a budget for the project that identifies the task manager and that includes payment information for the task manager that specifies a financial account, determining an amount owed to the task manager, and setting the amount owed to the task manager as the amount of the funds to be routed to the task manager. The method further comprises transmitting, by the budget management system to a financial computing system, a request to transfer the determined funds to the financial account specified by the payment information.
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