公开(公告)号：US20240362612A1

公开(公告)日：2024-10-31

申请号：US18140071

申请日：2023-04-27

Applicant: Bank of America Corporation

Inventor： Maneesh Kumar Sethia ,  Sandeep Kumar Chauhan ,  Saurabh Arora ,  Shailendra Singh

IPC: G06Q20/32 ,  G06Q20/04 ,  G06Q20/20 ,  G06Q20/38 ,  G06Q20/40

CPC classification number: G06Q20/325 ,  G06Q20/047 ,  G06Q20/204 ,  G06Q20/322 ,  G06Q20/3829 ,  G06Q20/389 ,  G06Q20/401

Abstract: Apparatus and methods for a li-fi payment network are provided. A customer's device may communicate, directly or through intermediate devices and computer systems, over a li-fi network with a point-of-sale terminal. A bill may be transmitted to the customer's device over the li-fi network. The customer may select an option to pay the bill. The selection, along with information to authorize and process the payment, may be transmitted over the li-fi network to the POS terminal. The POS terminal may process the payment and generate a receipt. The receipt may be transmitted to the customer's device over the li-fi network.

公开(公告)号：US20240338665A1

公开(公告)日：2024-10-10

申请号：US18537608

申请日：2023-12-12

Applicant: Toshiba Tec Kabushiki Kaisha

Inventor： Seiya GOTOU

IPC: G06Q20/04 ,  G06Q20/20

CPC classification number: G06Q20/047 ,  G06Q20/20

Abstract: According to one embodiment, an electronic receipt dispensing system includes a transaction system server, a database, and a point-of-sale (POS) terminal. The transaction system server stores registered commodity information in the database for a sales transaction at the POS terminal. The transaction system server generates, after a request for a printed receipt, printing data for a transaction receipt for a completed sales transaction based on stored information in the database, then transmits the generated printing data to the POS terminal. After a request for an electronic receipt, the transaction system server generates electronic receipt cooperation data for a transaction receipt for the completed sales transaction based on the stored information in the database, then transmits the electronic receipt cooperation data to an electronic receipt system server.

公开(公告)号：US12086769B2

公开(公告)日：2024-09-10

申请号：US17341711

申请日：2021-06-08

Applicant: Apple Inc.

Inventor： George R. Dicker ,  Christopher B. Sharp ,  Ahmer A. Khan ,  Yousuf H. Vaid ,  Glen W. Steele ,  Christopher D. Adams ,  David T. Haggerty

IPC: G06Q20/38 ,  G06Q20/04 ,  G06Q20/32

CPC classification number: G06Q20/047 ,  G06Q20/322 ,  G06Q20/385

Abstract: To facilitate conducting a financial transaction via wireless communication between an electronic device and another electronic device, the electronic device determines a unique transaction identifier for the financial transaction based on financial-account information communicated to the other electronic device. The financial-account information specifies a financial account that is used to pay for the financial transaction. Moreover, the unique transaction identifier may be capable of being independently computed by one or more other entities associated with the financial transaction (such as a counterparty in the financial transaction or a payment network that processes payment for the financial transaction) based on the financial-account information communicated by the portable electronic device. The electronic device may also associate receipt information, which is subsequently received from a third party (such as the payment network), with the financial transaction by comparing the determined unique transaction identifier to the computed unique transaction identifier.

公开(公告)号：US11995622B2

公开(公告)日：2024-05-28

申请号：US17902755

申请日：2022-09-02

Applicant: Bottomline Technologies Sarl

Inventor： Edouard Joliveau

IPC: G06Q20/10 ,  G06F18/23213 ,  G06N20/00 ,  G06Q10/04 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q40/02 ,  G06Q40/04 ,  G06Q40/12

CPC classification number: G06Q20/108 ,  G06F18/23213 ,  G06N20/00 ,  G06Q10/04 ,  G06Q20/02 ,  G06Q20/047 ,  G06Q40/02 ,  G06Q40/04 ,  G06Q40/12

Abstract: A method and apparatus for improving the management of cash and liquidity of an organization utilizing a plurality of currency accounts is described. The improvements optimize the interest earnings for the cash balances in each currency account, and minimizes the expenses related to funding the currency accounts. Machine learning techniques are incorporated to forecast payments, receipts, interest rates and currency exchange rates, and then cash is transferred or borrowed or loaned to fund the payments and utilize available cash.

公开(公告)号：US20240144223A1

公开(公告)日：2024-05-02

申请号：US18501715

申请日：2023-11-03

Applicant: Poynt LLC

Inventor： Osama Bedier ,  Ray Tanaka ,  Robert Hernandez

IPC: G06Q20/20 ,  G06K7/00 ,  G06Q20/04 ,  G06Q20/08 ,  G06Q20/10 ,  G06Q20/38 ,  G06Q20/40 ,  G07G1/00 ,  G07G1/01

CPC classification number: G06Q20/204 ,  G06K7/0004 ,  G06Q20/047 ,  G06Q20/085 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/20 ,  G06Q20/209 ,  G06Q20/382 ,  G06Q20/401 ,  G06Q20/4016 ,  G07G1/0009 ,  G07G1/0018 ,  G07G1/01 ,  G06F3/041

Abstract: A payment terminal, including: a display, an input device configured to generate input signals indicative of a user input, a payment instrument reader configured to receive payment instrument data from a financial payment instrument, a secure processor connected to the payment instrument reader, a main processor connected to the display, the main processor separate and distinct from the secure processor, a secure input processor connected to the input device and the secure processor, wherein the secure processor is operable between an unsecured mode, wherein the secure processor sends input coordinates based on the input signals received from the secure input processor to the main processor; and a secured mode, wherein the secure input processor ceases input coordinate forwarding to the main processor.

公开(公告)号：US11966902B2

公开(公告)日：2024-04-23

申请号：US17179228

申请日：2021-02-18

Applicant: TOSHIBA TEC KABUSHIKI KAISHA

Inventor： Takahiro Yasuda

IPC: G06Q20/20 ,  G06K7/10 ,  G06K7/14 ,  G06Q20/04

CPC classification number: G06Q20/209 ,  G06K7/1095 ,  G06K7/1447 ,  G06Q20/047

Abstract: In accordance with an embodiment, a communication interface, an input device, and a processor are provided. The processor collects electronic receipt data containing a commodity code for identifying an already traded transaction target commodity from a plurality of data management apparatuses via the communication interface. The processor generates history data on the basis of the collected electronic receipt data, the history data indicating a transaction history of the commodity identified by the commodity code acquired via the input device.

公开(公告)号：US20240112190A1

公开(公告)日：2024-04-04

申请号：US18207771

申请日：2023-06-09

Applicant: LIVEPERSON, INC.

Inventor： Marc F. Hayes, Jr.

IPC: G06Q20/40 ,  G06Q20/04 ,  G06Q20/38

CPC classification number: G06Q20/40145 ,  G06Q20/047 ,  G06Q20/3829

Abstract: Disclosed embodiments provide a framework to enable rich messaging via offline channels to obtain payments for completion of business transactions. In response to a request to obtain information associated with a customer to support a transaction performed via a communications session, a messaging platform transmits a request to a computing device associated with the customer to obtain authorization for the information. In response to obtaining the authorization for the information from the computing device associated with the customer, the messaging platform uses the authorization at a processing service to obtain the information subject to the authorization. The information is provided to fulfill the initial request.

公开(公告)号：US11941689B2

公开(公告)日：2024-03-26

申请号：US17113998

申请日：2020-12-07

Applicant: JPMorgan Chase Bank, N.A.

Inventor： Jatin Garg ,  Jasbir Banga ,  Nirmal Kumar ,  Ted Hellman ,  Mizan Miah ,  Ryan S Yoder ,  Mohamed Abdullah ,  Angela Govila

IPC: G06Q40/02 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/08 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/34 ,  G06Q40/12 ,  H04W4/80 ,  H04W76/10

CPC classification number: G06Q40/02 ,  G06Q20/02 ,  G06Q20/047 ,  G06Q20/085 ,  G06Q20/108 ,  G06Q20/204 ,  G06Q20/209 ,  G06Q20/356 ,  G06Q40/12 ,  H04W4/80 ,  H04W76/10

Abstract: A system and a method for accepting a payment on an application is provided. The method is implemented by a processor. The processor receives login information from a client to activate a banking application; selects quick accept entry points associated with the client's business banking demand deposit account (DDA) based on determining that the client is eligible for the quick accept entry points in response to the login information; sets up a payment receiving option for receiving a payment via the banking application; causes the banking application to receive transaction amount data corresponding to a transaction between the client and a customer; causes the banking application to process the transaction amount data; and automatically updates the DDA to reflect receipt of the transaction amount data.

公开(公告)号：US11915225B2

公开(公告)日：2024-02-27

申请号：US16402675

申请日：2019-05-03

Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION

Inventor： Jaydeep Mangle

IPC: G06Q20/32 ,  G06N20/00 ,  G06Q20/04 ,  G06Q20/08 ,  G06Q20/14 ,  G06Q30/02 ,  G06Q30/0201 ,  G06Q30/0283 ,  G07B15/02 ,  H04W4/02 ,  H04W4/021 ,  H04W4/029

CPC classification number: G06Q20/3224 ,  G06Q20/047 ,  G06Q20/085 ,  G06Q30/0206 ,  G06Q30/0284 ,  G07B15/02 ,  H04W4/021 ,  H04W4/029 ,  G06N20/00

Abstract: A mobile merchant may have an entrance area which may have a geo-fence area which has a communication device to communicate with a payment device of a user when in or passing through the geo-fence area such as getting on a bus. The location of the start of the communication may be noted and stored as a first or starting location. When the user gets off the mobile merchant, the communication between the communication device and the payment device may end. The location of the end of the communication may also be noted and stored as a second or ending location. The first and second location and data from the payment device may be communicated to a billing computing device which may determine a price for the trip from the first location and the second location and the price may be applied to the payment account represented by the payment data.

公开(公告)号：US20240054467A1

公开(公告)日：2024-02-15

申请号：US18268886

申请日：2021-12-21

Applicant: Edgar Jozef Beere ,  SPAARNESTAD HOLDING N.V.

Inventor： Edgar Jozef Beere ,  Ronald Adré Wever ,  Johannes André Burg

IPC: G06Q20/20 ,  G06Q20/40 ,  G06Q20/04

CPC classification number: G06Q20/202 ,  G06Q20/401 ,  G06Q20/047

Abstract: The present invention relates to a method for processing of a payment transaction by means of a processing (finalization) computer system (2), such as a payment transaction system, such as a credit card transaction system arranged at a credit card organization, arranged for processing of the payment transaction, such as a credit card payment transaction, initiated at a POS system (3), such as arranged at a merchant, the method comprising steps of: —processing of payment transaction information, such as comprising an amount to be paid with respect to the transaction, from the POS system (3), such as from a transaction module thereof, —receiving of authentication information (140) with respect to the transaction, from the POS system (3), —transmitting (174) of authorization confirmation information relating to a confirmation of an authorization of the transaction to the POS system (3), characterized by steps for: —receiving (142), such as by means of a data assembly receipt module such as by means of a process executed on a processing unit, of a data assembly comprising specification information relating to the transaction from the POS system (3).