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公开(公告)号：US12056688B1
公开(公告)日：2024-08-06
申请号：US17883405
申请日：2022-08-08
CPC分类号： G06Q20/3674 , G06Q20/3221 , G06Q20/325 , G06Q20/3267 , G06Q20/3274 , G06Q20/3278 , G06Q2220/00 , G06Q2220/145
摘要： A mobile device includes a processing circuit to perform operations including transmitting a device token and a customer token to a computing system, the device token identifying the mobile device and a first session of a client application, the customer token identifying a user. The operations can include enabling access to the client application during the first session based on the device token and the customer token and receiving a second device token, the second device token identifying the mobile device and a second session. The operations can include receiving, during the first session, an identification number associated with an account of the user for a transaction, the identification number generated in response to a fund request from the mobile device. The operations can include providing a user interface displayed on the mobile device during the first session and receiving during the first session, an approval for the transaction.
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公开(公告)号：US11928668B1
公开(公告)日：2024-03-12
申请号：US17959205
申请日：2022-10-03
CPC分类号： G06Q20/36 , G06Q20/352 , G06Q20/40
摘要： A method includes receiving a fund access request from a user device associated with a user; generating a tokenized card number based on an actual card account number of the user that substitutes the actual card account number in a payment transaction; providing a code to the user device including the tokenized card number and a numeric or alphanumeric string of values; determining that the numeric or alphanumeric string of values in the code transmitted to the user device matches a numeric or alphanumeric string of values in a field of a code received from a separate computer system; determining that a location of the user device matches a merchant location; authenticating the payment transaction based on the numeric or alphanumeric match and the location match; and, transmitting the actual card account number to the separate computer system as part of the payment transaction.
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公开(公告)号：US11663599B1
公开(公告)日：2023-05-30
申请号：US15374982
申请日：2016-12-09
CPC分类号： G06Q20/4014 , G06Q20/108 , G06Q20/3674
摘要： A computer system receives an indication from a user that the user wishes to perform a mobile wallet transaction to transfer funds to a recipient using a mobile device. The transaction is authenticated by the computer system. The authentication includes receiving login credentials manually entered by the user and determining that the login credentials match stored login credentials for the user. The authentication further includes determining that the mobile device has a device token stored thereon that matches a device token stored in a database of the computer system. The device token uniquely identifies the mobile device in the computer system. The authentication further includes determining that the mobile device has a customer token stored thereon that matches the customer token stored in the database. The customer token uniquely identifying the customer in the computer system. The computer system transmits the funds to the recipient responsive to the authenticating step.
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公开(公告)号：US11568389B1
公开(公告)日：2023-01-31
申请号：US15393371
申请日：2016-12-29
摘要： A mobile device includes a display device; a processor; and a memory device configured to store instructions that, when executed by the processor, cause the processor to: present, by the display device, a user interface for accessing a mobile online banking application; receive a credential for authenticating and accessing the mobile online banking application; provide, by the display device, an option to create a mobile wallet during use of the mobile online banking application; and responsive to receiving an indication to create the mobile wallet, install a mobile wallet application on the mobile device for future mobile wallet transactions.
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公开(公告)号：US11295294B1
公开(公告)日：2022-04-05
申请号：US14501880
申请日：2014-09-30
摘要： A computer system receives an indication from a user that the user wishes to perform a mobile wallet transaction to transfer funds to a recipient using a mobile device. The transaction is authenticated by the computer system. The authentication includes receiving login credentials manually entered by the user and determining that the login credentials match stored login credentials for the user. The authentication further includes determining that the mobile device has a device token stored thereon that matches a device token stored in a database of the computer system. The device token uniquely identifies the mobile device in the computer system. The authentication further includes determining that the mobile device has a customer token stored thereon that matches the customer token stored in the database. The customer token uniquely identifying the customer in the computer system. The computer system transmits the funds to the recipient responsive to the authenticating step.
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公开(公告)号：US10803450B1
公开(公告)日：2020-10-13
申请号：US15869317
申请日：2018-01-12
发明人： Stephen M. Ellis , Michael J. Kennedy , Ashish Bhoopen Kurani , Melissa Lowry , Uma Meyyappan , Bipin M. Sahni , Nikolai Stroke
IPC分类号： G06Q20/36
摘要： A mobile device is configured to receive a first receipt pertaining to a first mobile wallet transaction of a user, the first receipt being a digital receipt and receive information pertaining to a plurality of transactions of the user. The mobile device is also configured to capture an image of a second receipt pertaining to the second mobile wallet transaction of the user, the second receipt being a physical receipt. The mobile device is also configured to generate an image of the first receipt of the use and extract identifying information regarding the first and second mobile wallet transactions from the first and second images, identify the first and second mobile wallet transactions within the plurality of transactions based on information extracted from the images of the first and second receipts, and associate the images of the first and second receipts with the first and second mobile wallet transactions.
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公开(公告)号：US10776779B1
公开(公告)日：2020-09-15
申请号：US15869598
申请日：2018-01-12
发明人： Stephen M. Ellis , Michael J. Kennedy , Ashish Bhoopen Kurani , Melissa Lowry , Uma Meyyappan , Bipin Sahni , Nikolai Stroke
IPC分类号： G06Q20/36
摘要： A method of tracking mobile wallet transaction receipts is provided. The method includes: associating an email address with a mobile wallet, the mobile wallet storing information corresponding to a plurality of mobile wallet transactions; accessing an email inbox associated with the email address, the email inbox containing a plurality of emails received at the email address; identifying, in the email inbox, a receipt email containing a receipt; forwarding the receipt email to a mobile wallet email inbox associated with the mobile wallet; determining receipt information from the receipt; and associating the receipt with one or more of the plurality of mobile wallet transactions based on the receipt information.
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公开(公告)号：US10306060B1
公开(公告)日：2019-05-28
申请号：US16027995
申请日：2018-07-05
发明人： Stephen M. Ellis , Bipin Sahni , David Hatch , Shahid Razzaq
摘要： One or more embodiments of techniques or systems for intelligent data presentation are provided herein. Data can be presented on similar devices having different characteristics in different manners. For example, data may be rendered in a first manner on a first device having one monitor, the same data may be rendered in a second manner on a second device having two displays or a different display size. Financial information, sales data, banking information, etc. may be presented in a variety of ways based on capabilities or properties of a device accessing the information or data. Similarly, renderings may be selected based on interaction capabilities or interaction options a user may have with different renderings or presentations. In other embodiments, user interaction with an automated teller machine (ATM), call center, vehicle, or other interface can be based on device properties or device capabilities.
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公开(公告)号：US10296930B1
公开(公告)日：2019-05-21
申请号：US15243901
申请日：2016-08-22
发明人： Stephen M. Ellis , Michael J. Kennedy , Ashish Bhoopen Kurani , Melissa Lowry , Uma Meyyappan , Bipin Sahni , Nikolai Stroke
摘要： A computer-implemented system and method for providing offers to a mobile device includes receiving at least one offer from at least one merchant at an offer computer system and determining, by the offer computer system, an offer to present on the mobile device based on at least one characteristic of a user of the mobile device, the offer providing the user a discount from a price of a product or service. The method includes receiving a request for a code to provide to a merchant, the code being generated for the mobile device that belongs to the user. The method includes receiving, from a mobile device, an indication from the user to use the offer and sending, by the offer computer system, to the mobile device an offer code to be displayed on the mobile device to be received by a merchant.
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公开(公告)号：US09972012B1
公开(公告)日：2018-05-15
申请号：US15423449
申请日：2017-02-02
发明人： Stephen M. Ellis , Michael J. Kennedy , Ashish Bhoopen Kurani , Melissa Lowry , Uma Meyyappan , Bipin Sahni , Nikolai Stroke
CPC分类号： G06Q20/367 , G06Q20/20 , G06Q20/202 , G06Q20/322 , G06Q20/3674 , G06Q20/3676 , G06Q20/385 , G06Q20/405 , G06Q20/407 , G06Q30/016
摘要： A computer-implemented system and method that includes receiving, by a messaging hub computer system, from a point of sale (POS) device of a merchant, a request to process a refund for a transaction that occurred between the merchant and a mobile device of a payor, the request comprising a previously used code that was exchanged between the POS device and the mobile device. The method includes determining, by the messaging hub computer system, a first financial institution based at least partially on a portion of the code, and receiving, from a computer system of the first financial institution, payment credential information of an account held by the payor to process the refund using the payment credential information. The method may further include transferring, by the messaging hub computer system, the refund from an account held by the merchant to the account held by the payor.
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