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公开(公告)号：US11631069B1
公开(公告)日：2023-04-18
申请号：US16732860
申请日：2020-01-02
发明人： David Alan Dillard , Ravikanth Erramilli , David Ibrahim , Barbara Lynn Shcolnik-Bateman , Shashidhar Karkada Srinivasa
摘要： Transaction account holders are able to attach additional data to a transaction in concert with the transaction being initiated, prior to the merchant posting the transaction. Transaction account holders do not have to wait and/or opt for an external service provider to assist with the compiling and/or attaching of data at a later point in time (e.g., after the merchant posts the transaction). Transaction account holders may upload and access electronic receipts associated with a transaction authorization almost immediately after the sale and/or authorization of the transaction.
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公开(公告)号：US11593553B1
公开(公告)日：2023-02-28
申请号：US17220433
申请日：2021-04-01
发明人： Hans-Jurgen Greiner
IPC分类号： G06F21/00 , G06F40/174 , G06Q20/12 , G06F3/0481 , G06N20/00 , G06N7/02 , G06N5/048
摘要： Systems and methods of improving the operation of a transaction network and transaction network devices are disclosed. An online purchase autofill plugin includes various modules and engines. The fields of online forms may be identified and the fields of online forms may be automatically filled. The user experience may be improved, and data security enhanced so that the transaction network more properly functions according to approved parameters, such as protecting the integrity of sensitive data.
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公开(公告)号：US11587102B2
公开(公告)日：2023-02-21
申请号：US15960103
申请日：2018-04-23
发明人： Venkatesh Nagarajan
IPC分类号： G06Q30/02 , G06Q30/0207
摘要： A system for instant qualification cross channel offer targeting is disclosed. The system may receive a plurality of personally identifiable information (PII) elements from at least one of a customer device or an affiliate system. The system may determine a credit authorization state in response to the PII element. The system may receive a first request to generate an offer from at least one of the customer device or the affiliate system. The system may generate the offer in response to an offer optimization model, the credit authorization state, and the first request to generate an offer. The system may hash the plurality of PII elements and determine a unique hash based on the plurality of PII elements. The system may associate the unique hash to the offer and store the offer as offer data.
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公开(公告)号：US20230004966A1
公开(公告)日：2023-01-05
申请号：US17930615
申请日：2022-09-08
摘要： A proof-of-payment system that allows smart connected devices to confirm a payment information. In one example, a smart connected device that comprises a computing device and program instructions. The program instructions, when executed by the processor, cause the computing device to at least retrieve an encrypted proof-of-payment (PoP) payload from a blockchain and decrypt the encrypted PoP payload to retrieve a first identifier from the encrypted PoP payload. The first identifier from the decrypted PoP payload is matched to a second identifier presented at the smart connected device. An action is triggered in response to the first identifier from the encrypted PoP payload matching the second identifier presented at the smart connected device.
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公开(公告)号：US20220398592A1
公开(公告)日：2022-12-15
申请号：US17695456
申请日：2022-03-15
发明人： Nicole Black , Sumit Dhama , Nishant Mittal , Mohil Soni
摘要： Systems and methods for peer-to-peer money transfers are disclosed. The system may allow senders to transmit money transfers to receivers. The system may receive a money transfer request from the sender comprising the designated receiver, a money transfer amount, and a sender transaction account. The system may generate a receiver transaction account associated with the designated receiver, wherein the receiver transaction account comprises the money transfer amount. The system may provide the receiver access to the receiver transaction account using different channels, including by providing a digital transaction instrument or a physical transaction instrument.
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公开(公告)号：US20220391896A1
公开(公告)日：2022-12-08
申请号：US17337291
申请日：2021-06-02
发明人： Andrew Lei , Manik Biswas
摘要： Disclosed are various embodiments for a hosted point-of-sale service that provides the security features of card-present transactions for card-not-present transactions. The various embodiments of the present disclosure can be configured to receive a merchant identifier and a transaction amount for a transaction from a merchant terminal, as well as receive the merchant identifier and encrypted payment account data for the transaction. The encrypted payment account data can then be decrypted. An authorization request for the transaction is then generated based at least in part on the merchant identifier, the transaction amount, and the payment account data. The authorization request is then sent to a payment processor, which can route the authorization request to an authorizing entity via a payment network. An authorization response is received in response from the authorizing entity via the payment processor, and the contents are forwarded on to the merchant terminal.
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公开(公告)号：US20220391593A1
公开(公告)日：2022-12-08
申请号：US17679498
申请日：2022-02-24
发明人： Ravi BATRA , Sandeep BOSE , Mario FRAGOSO , Ravneet GHUMAN , Madhu Sudan Reddy GUDUR , Suraj MADNANI , Curtis T. MERRYWEATHER , Ravi VARMA , Vinod YADAV
IPC分类号： G06F40/30 , G06F16/95 , G06N5/04 , G06N20/00 , G06F40/295
摘要： Systems and methods for identifying data of interest are disclosed. The system may retrieve unstructured data from an internet data source via an alert system or RSS feed. The system may input the unstructured data into various models and scoring systems to determine whether the data is of interest. The models and scoring systems may be executed in order or in parallel. For example, the system may input the unstructured data into a Naive Bayes machine learning model, a long short-term memory (LSTM) machine learning model, a named entity recognition (NER) model, a semantic role labeling (SRL) model, a sentiment scoring algorithm, and/or a gradient boosted regression tree (GBRT) machine learning model. Based on determining that the unstructured data is of interest, a data alert may be generated and transmitted for manual review or as part of an automated decisioning process.
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公开(公告)号：US11514243B1
公开(公告)日：2022-11-29
申请号：US16704424
申请日：2019-12-05
发明人： Prodip Hore , Mrigank Prince , Jayatu Sen Chaudhury , Prakhar Thapak , Soham Banerjee , Shailja Pandey , Chanderpreet Singh Duggal
IPC分类号： G06F40/295 , G06K9/62 , G06N3/04
摘要： At least some embodiments are directed to an entity classification system receives informational data associated with an entity. The informational data includes sentences associated with the entity. The entity classification system utilizes a first machine learning model to determine a first contextual meaning among words of a sentence associated with the entity based on a first word embedding technique, and determines at least one category associated with the entity based at least in part on the first contextual meaning. The entity classification system utilizes a second machine learning model to determine a second contextual meaning shared by a set of sentences based on a second embedding technique, and determines a subcategory of the category associated with the entity based at least in part on the second contextual meaning. The entity classification system generates an output including the category and subcategory associated with the entity.
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公开(公告)号：US20220270089A1
公开(公告)日：2022-08-25
申请号：US17667806
申请日：2022-02-09
发明人： FARAZ BABAR , AIMEE CARDWELL , ANDRAS L. FERENCZI , DALLAS GALE , NILESH YASHAVANT JADHAV , ASHISH KUMAR , HARISH R. NAIK , LAVANYA VENKATANARAYANAN
摘要： Systems and methods for the maintenance of merchant-stored transaction account data are disclosed. The system may include various merchant systems and issuer systems in communication via a blockchain network. The system provides a process for collaboration between various issuer systems and merchant systems to update and maintain merchant stored transaction account data in response to changes, cancellations, updates, or the like in various stored transaction account.
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公开(公告)号：US11423065B2
公开(公告)日：2022-08-23
申请号：US16443511
申请日：2019-06-17
IPC分类号： G06F16/332 , G06F16/338 , G06F16/335 , G06F16/33
摘要： A data indexing system may use dynamic tags to increase findability and relativity of located datasets. The dynamic tags may be generated based on captured search log data. The system may calculate various parameters used to determine the findability and relativity of a given dataset. The system may calculate a dynamic tag score based on the calculated parameters. The system may store the dynamic tags and the associated dynamic tag score with the given dataset.
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