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公开(公告)号：US12014355B1
公开(公告)日：2024-06-18
申请号：US18074241
申请日：2022-12-02
发明人： Young M. Yang
CPC分类号： G06Q20/3558 , G06Q20/4012
摘要： A provider computing system includes one or more processing circuits including one or more processors and one or more memories having instructions stored thereon that, when executed by the one or more processors, cause the one or more processors to: receive a new card action from a customer, the new card action prompting a provider to send a new card to the customer; determine that a personal identification number (PIN) has not been set for the new card; determine whether the customer is registered for online access for an account associated with the new card; in response to determining that the customer is registered for the online access, perform an online-based PIN process to set the PIN; and in response to determining that the customer is not registered for the online access, perform a call-based PIN process to set the PIN.
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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：US11715078B1
公开(公告)日：2023-08-01
申请号：US17833782
申请日：2022-06-06
发明人： Miranda C. Hill , Alicia Y. Moore , Steven E. Puffer , Jerome Rhodes , Susan Symons , Michael R. Thomas , Young M. Yang
IPC分类号： G06Q20/10 , G06Q20/40 , G06Q20/38 , G06Q20/32 , H04L67/52 , H04W76/10 , G06K7/10 , G07F19/00 , H04W4/02
CPC分类号： G06Q20/1085 , G06K7/10712 , G06Q20/3223 , G06Q20/3224 , G06Q20/385 , G06Q20/4014 , G06Q20/4015 , G06Q20/4037 , G07F19/203 , G07F19/207 , H04L67/52 , H04W4/02 , H04W76/10
摘要： A system includes a location identifier device configured to receive location information from a user device; a surveillance device configured to capture video surveillance; and a computer system. The computer system is configured to: receive the location information; receive a request for an ATM transaction that includes attribute information associated with the user; obtain, from the received video surveillance, captured attribute information associated with the user; determine that the captured attribute information at least partially matches the received attribute information; transmit a transaction code to the user device based on (i) the location information from the user device being within the area, (ii) the captured attribute information at least partially matching the attribute information, and (iii) the identification of the user associated with the request; and facilitate the ATM transaction based at least partially on the received transaction code.
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公开(公告)号：US20200184434A1
公开(公告)日：2020-06-11
申请号：US16213837
申请日：2018-12-07
发明人： Christiane Evans , Albert Hwu , Chris Kalaboukis , Kristine Ing Kushner , Ashish B. Kurani , Nikolai Stroke , Raissa Williams , Young M. Yang
摘要： A computing system includes one or more processors and one or more computer-readable storage media communicatively connected to the one or more processors and having instructions stored thereon that, when executed, causes the one or more processors to analyze a plurality of electronic payment transactions from an account associated with a user to identify payments to a merchant on a recurring basis, receive external data associated with the user corresponding to usage of a good or service provided by the merchant, analyze the external data to identify disuse of the good or service, generate a recommended action based on the disuse, present the recommended action on an interactive display on a user device associated with the user, and change a subscription associated with the good or service corresponding to the recommended action.
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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：US20240354728A1
公开(公告)日：2024-10-24
申请号：US18762446
申请日：2024-07-02
发明人： Miranda C. Hill , Alicia Y. Moore , Steven E. Puffer , Jerome Rhodes , Susan Symons , Michael R. Thomas , Young M. Yang
IPC分类号： G06Q20/10 , G06K7/10 , G06Q20/32 , G06Q20/38 , G06Q20/40 , G07F19/00 , H04L67/52 , H04W4/02 , H04W76/10
CPC分类号： G06Q20/1085 , G06K7/10712 , G06Q20/3223 , G06Q20/3224 , G06Q20/385 , G06Q20/4014 , G06Q20/4015 , G06Q20/4037 , G07F19/203 , G07F19/207 , H04L67/52 , H04W4/02 , H04W76/10
摘要： A system includes a location identifier device and a computer system. The location identifier is configured to receive location information from the user device associated with a user based on the user device being within a predefined area. The computer system is configured to: receive the location information from the user device within the area via the location identifier device; receive a request for a transaction from the user device including first attribute information associated with the user; receive second attribute information associated with the user within the area; provide, based on the location information, an authorization signal including a transaction interface for display on the user device; and receive, from the user device via near field communication (NFC) tap with a terminal, a transaction code.
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公开(公告)号：US20240330898A1
公开(公告)日：2024-10-03
申请号：US18742251
申请日：2024-06-13
发明人： Young M. Yang
CPC分类号： G06Q20/3558 , G06Q20/4012
摘要： A provider computing system comprises one or more processing circuits to determine that a personal identification number (PIN) has not been set for a new card to be provided to a customer, generate a card mailer to accompany the new card when the new card is provided to the customer where generating the card mailer comprises adding access information to the card mailer, cause the generated card mailer to be provided to the customer, receive a request from a customer device of the customer to enter a secure session where the request from the customer device to enter the secure session is received based on the customer device interacting with the access information provided with the generated card mailer, receive a desired PIN from the customer device within the secure session, and set the PIN for the new card as the desired PIN received from the customer device.
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公开(公告)号：US20230376919A1
公开(公告)日：2023-11-23
申请号：US18228450
申请日：2023-07-31
发明人： Miranda C. Hill , Alicia Y. Moore , Steven E. Puffer , Jerome Rhodes , Susan Symons , Michael R. Thomas , Young M. Yang
IPC分类号： G06Q20/10 , G07F19/00 , G06Q20/40 , H04L67/52 , G06Q20/38 , G06K7/10 , H04W4/02 , G06Q20/32 , H04W76/10
CPC分类号： G06Q20/1085 , G07F19/207 , G06Q20/4015 , H04L67/52 , G06Q20/385 , G06K7/10712 , H04W4/02 , G06Q20/4014 , G06Q20/3223 , G06Q20/3224 , H04W76/10 , G07F19/203 , G06Q20/4037
摘要： A system includes a location identifier device and a computer system. The location identifier is configured to transmit an identifier to a user device when the user device is within a predetermined range of an area and receive location information from the user device associated with a user. The computer system is configured to receive the location information from the user device within the area via the location identifier device and receive a request for an ATM transaction from the user device. The request includes attribute information associated with the user. The computer system is configured to receive attribute information associated with the user comprising an indication of a license plate within the area and identify, based on a determination that the attribute information at least partially matches the attribute information from the request, the user associated with the request. The computer system is configured to transmit, based on the user device being within the area and the identification of the user, a transaction code to the user device.
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公开(公告)号：US11763303B1
公开(公告)日：2023-09-19
申请号：US15456122
申请日：2017-03-10
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 method includes verifying the identity of an individual. The method further includes receiving non-financial data from the individual and generating a user-level profile. The user-level profiles include the non-financial data received from the individual. The method further includes generating a user-level token unique to the individual. The user-level token is associated with the generated user-level profile. The method also includes provisioning the user-level token to a device associated with the individual. The method further includes receiving an identity verification request comprising the user-level token, wherein the identity verification request is structured as a financial transaction card-originated message, validating the user-level token, and analyzing a context of the received user-level token to determine a relevant non-financial data element included in the non-financial information within the user-level profile. The method also includes transmitting an identity verification approval including the relevant non-financial data element.
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公开(公告)号：US11354632B1
公开(公告)日：2022-06-07
申请号：US15396360
申请日：2016-12-30
发明人： Miranda C. Hill , Alicia Y. Moore , Steven E. Puffer , Jerome Rhodes , Susan Symons , Michael R. Thomas , Young M. Yang
摘要： A system includes a customer database that stores user information concerning a plurality of customers, a network interface configured to communicate data over a network, and a processing circuit comprising a processor and memory. The memory is structured to store instructions that are executable by the processor and cause the processing circuit to receive an indication that a customer is within a predetermined distance from an automated teller machine (ATM), transmit, responsive to receiving the indication, an authorization signal to a customer computing device associated with the customer, the authorization signal configured to activate an ATM pre-stage function of an application implemented on the customer computing device, receive, by the network interface over the network, customer transaction preferences from the customer computing device, and authorize an ATM transaction at the ATM based on the received customer transaction preferences.
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