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公开(公告)号：US20240220947A1
公开(公告)日：2024-07-04
申请号：US18609529
申请日：2024-03-19
发明人： Alan W. Hecht , Azita Asefi , Ann M. Kirk
CPC分类号： G06Q20/10 , G06Q20/102 , G06Q20/223 , G06Q20/3223 , H04W4/12
摘要： A method includes receiving a fund transfer request and an amount to transfer to a payee; receiving an identification of a data collision regarding information associated with the payee and another user; displaying a visual representation regarding the data collision; receiving a designated rail for a funds transfer based on a designated transfer timing and the amount to transfer to the payee; receiving an indication from a user confirming that information regarding the payee is correct; subsequent to receiving the indication, sending an instruction that facilities identification of the payee by resolving the data collision regarding the information associated with the payee and the another user by deactivating an association of at least some overlapping information with the another user; receiving a message indicating that the funds transfer corresponding to the fund transfer request has been completed; and providing the message indicating that the funds transfer has been completed.
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公开(公告)号：US11379855B1
公开(公告)日：2022-07-05
申请号：US15913292
申请日：2018-03-06
发明人： Rolf Anderson , Azita Asefi , Alan W. Hecht , Ann M. Kirk
摘要： A system for prioritizing fraud cases includes a processing circuit and a network interface structured to receive fraud cases having transaction data and an initial priority score. The processing circuit is structured to determine an updated priority score for each fraud case based on case prioritization data comprising rules developed using a machine learning model, initiate an action for each fraud case based on the updated priority score, where the action comprises assembling a first group of the fraud cases in a single database and taking an action on a second group of the fraud cases, assign the first group to a computing terminal associated with a fraud agent, receive an input from the computing terminal regarding a disposition of the first group of fraud cases, update the model based on the input and the transaction data, and restructure the case prioritization data based on the updated model.
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公开(公告)号：US11321685B1
公开(公告)日：2022-05-03
申请号：US15377350
申请日：2016-12-13
发明人： Alan W. Hecht , Azita Asefi , Ann M. Kirk
摘要： A system, method, and apparatus for a funds transfer is provided. A method includes receiving a fund transfer request from a user, the fund transfer request comprising a token regarding a payee and an amount of funds to transfer to the payee, wherein the user and the payee are members of different payment directories; sending the fund transfer request to a federated directory management system, wherein the federated directory management system is communicably and operatively coupled to the payment directories; receiving, by the mobile device, an identification of the payee and the payment directory associated with the payee based on the token from the federated directory management system; displaying a message indicating that the fund transfer has been completed; and performing a mobile device action, wherein the mobile device action depends on contents of the message.
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公开(公告)号：US10565364B1
公开(公告)日：2020-02-18
申请号：US15380966
申请日：2016-12-15
发明人： Azita Asefi , Jinee K. Ellis , Alan W. Hecht , Timothy R. Knowlton , Ashish B. Kurani , Steven E. Puffer , Young M. Yang
摘要： Token management systems and methods are described. The token management systems and methods are configured to receive a plurality of tokens from a plurality of entities associated with a user and to enable the user to manage the tokens in a secure, convenient, efficient, and time-saving manner. The token management system may be accessed with a user device. In some arrangements, the token management system is structured to receive a registration request from a user, request a plurality of tokens from different entities where the user has associated tokens, and to provide various token management functions to the user. The token management functions allow the user to change, reassociate, activate, and deactivate the tokens, as well as create new tokens.
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公开(公告)号：US20240169354A1
公开(公告)日：2024-05-23
申请号：US18427779
申请日：2024-01-30
发明人： Alan W. Hecht , Azita Asefi
CPC分类号： G06Q20/405 , G06Q20/3226
摘要： A method includes receiving, by a mobile device, a designation of a token; linking, by the mobile device, the token to an account based on receiving an input from a user to couple to the account such that the mobile device is configured to receive updates regarding the token; based on the linking, receiving, by the mobile device, an update regarding the account and (i) deactivating the token to prevent fund transfers utilizing the token and (ii) providing an alert regarding the update; reactivating, by the mobile device, the token based on an input from the user; receiving, by the mobile device, a fund transfer request identifying the token for a fund transfer; and after the fund transfer, deleting, by the mobile device, the token based on detecting an expiration designation of the token by removing the token from the mobile device.
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公开(公告)号：US20230281633A1
公开(公告)日：2023-09-07
申请号：US18197276
申请日：2023-05-15
发明人： Azita Asefi , Jorge Michirefe , Al Hecht , Steve Puffer , Peter Ho
CPC分类号： G06Q20/405 , G06Q20/34 , G06Q20/367 , G06Q20/401 , G06F21/62 , G06Q30/02
摘要： A computer system includes a token repository configured to store payment tokens, and a server system. The server system includes a processor and instructions stored in non-transitory machine-readable media, the instructions configured to cause the server system to receive a request to provision a payment token based on a financial product, wherein the request includes information related to the financial product, provision a payment token based on the token request, including authenticating the financial product based on the financial product information and generating the payment token upon authenticating the financial product, wherein the payment token is useable to make a payment via the financial product, and store the payment token in the token repository.
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公开(公告)号：US11651379B1
公开(公告)日：2023-05-16
申请号：US15353586
申请日：2016-11-16
发明人： Azita Asefi , Jorge Michirefe , Al Hecht , Steve Puffer , Peter Ho
摘要： A computer system includes a token repository configured to store payment tokens, and a server system. The server system includes a processor and instructions stored in non-transitory machine-readable media, the instructions configured to cause the server system to receive a request to provision a payment token based on a financial product, wherein the request includes information related to the financial product, provision a payment token based on the token request, including authenticating the financial product based on the financial product information and generating the payment token upon authenticating the financial product, wherein the payment token is useable to make a payment via the financial product, and store the payment token in the token repository.
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公开(公告)号：US11429975B1
公开(公告)日：2022-08-30
申请号：US15081536
申请日：2016-03-25
发明人： Azita Asefi , Jorge Michirefe , Al Hecht , Steve Puffer , Peter Ho
摘要： A computer system includes a token repository configured to store payment tokens, and a server system. The server system includes a processor and instructions stored in non-transitory machine-readable media, the instructions configured to cause the server system to receive a request to provision a payment token based on a financial product, wherein the request includes information related to the financial product, provision a payment token based on the token request, including authenticating the financial product based on the financial product information and generating the payment token upon authenticating the financial product, wherein the payment token is useable to make a payment via the financial product, and store the payment token in the token repository.
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公开(公告)号：US11935066B1
公开(公告)日：2024-03-19
申请号：US17373521
申请日：2021-07-12
发明人： Alan W. Hecht , Azita Asefi
CPC分类号： G06Q20/405 , G06Q20/3226
摘要： Systems, methods, and apparatuses for token management in a federated environment are provided. A method includes: linking a single token of a user to an online account associated with the single token based on receiving a user input to couple to the online account such that a mobile device is configured to receive updates regarding the single token; generating a rule that associates the single token with two or more accounts; based on the linking, receiving an update regarding the online account and (i) deactivating the single token to prevent fund transfers utilizing the single token and (ii) providing an alert regarding the update; reactivating the single token based on an input in response to the alert; receiving a fund transfer transaction request identifying the single token for a fund transfer; and applying the rule based on the single token to process the fund transfer.
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公开(公告)号：US11669814B1
公开(公告)日：2023-06-06
申请号：US17734916
申请日：2022-05-02
发明人： Alan W. Hecht , Azita Asefi , Ann M. Kirk
CPC分类号： G06Q20/10 , G06Q20/102 , G06Q20/223 , G06Q20/3223 , H04W4/12
摘要： A system, method, and apparatus for a funds transfer is provided. A method includes: receiving a fund transfer request from a user regarding a payee and an amount of funds to transfer to the payee; sending the fund transfer request to a computing system coupled to a first payment directory and a second payment directory; receiving an identification of the payee and a second payment directory based on the fund transfer request; receiving an identification of a data collision regarding information associated with the payee and another user; displaying information regarding the identified payee; receiving an indication from a user that the information regarding the identified payee is correct; sending an instruction that facilitates identification of the payee by resolving the data collision; and providing, via a mobile device, a message indicating that the fund transfer has been completed.
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