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1.发明公开公开(公告)号：US20240362708A1
公开(公告)日：2024-10-31
申请号：US18766814
申请日：2024-07-09
发明人： Robert Frohwein , Kristel Adler
摘要： Disclosed are various embodiments for determining and accepting dynamic payments in an open network. Various embodiments can retrieve financial transaction historical data of a user from a plurality of accounts and calculate a collection rate by dividing a historical net profit by an expected repayment amount. Various embodiments can then issue a loan from a provider to the user. The loan can include a repayment schedule that utilizes the collection rate applied to a net profit for each of the plurality of accounts during a repayment period. Various embodiments can then retrieve financial transaction data for the repayment period of the repayment schedule. Various embodiments can then transfer a portion of the net profit for each of the plurality of accounts to an account of the provider.
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公开(公告)号：US20240362632A1
公开(公告)日：2024-10-31
申请号：US18688353
申请日：2022-12-05
申请人： NAYAX LTD.
发明人： David BEN-AVI , Guy ROSENHOIZ
CPC分类号： G06Q20/4014 , G06Q20/10 , G06Q20/36
摘要： A system and a method for executing payments over a communication network are presented. The system performs payments over the communication network by using a payment clement. The payment clement includes a user identification string. The payment element is installed in a user digital wallet application at a user device to perform a payment.
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公开(公告)号：US12131317B2
公开(公告)日：2024-10-29
申请号：US17838065
申请日：2022-06-10
申请人： Block, Inc.
发明人： Kristopher David Stipech , Ryan Budd , Daniel Shin , River Satya , Brian Grassadonia , Emily Chiu
CPC分类号： G06Q20/3821 , G06Q20/10
摘要： In one embodiment, a method includes obtaining, by a payment service system, an amount of security assets via a securities exchange system. The method includes determining amounts of security assets owned by the payment service system and users of the payment service system. The method includes receiving, via an application of the payment service system executing on a device of a user of the payment service system, a request from the user to sell an amount of a security asset owned by the user. The method includes facilitating execution of a sale of the amount of security assets. The method includes, prior to the sale request settling, depositing, by the payment service system, a currency account of the user with an amount of funds associated with a determined value of the security asset requested to be sold by the user.
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公开(公告)号：US20240354724A1
公开(公告)日：2024-10-24
申请号：US18387024
申请日：2023-11-04
IPC分类号： G06Q20/10 , G06Q20/38 , G06Q30/0279
CPC分类号： G06Q20/10 , G06Q20/389 , G06Q30/0279
摘要： A system and method of encouraging donative transfers through settlements are disclosed. Example embodiments include establishing, by use of a data processor and a data network, a data connection with a plurality of transaction party platforms involved in settlement of a negotiation or transaction for which completion of performance is necessary for settlement, the performance including completion of a donative transfer of value from one or more of the plurality of transaction party platforms to one or more donees; establishing a data connection between the plurality of transaction party platforms and a central database storing donee information related to available donees; enabling the plurality of transaction party platforms to access the donee information and enabling selection of one or more donees to receive the donative transfer of value; establishing a data connection between the plurality of transaction party platforms and the selected one or more donees to receive the donative transfer of value; effecting the donative transfer of value from the one or more of the plurality of transaction party platforms to the selected one or more donees; and generating evidentiary information as contractual performance evidence verifying completion of contractual or transaction performance.
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5.发明公开公开(公告)号：US20240346562A1
公开(公告)日：2024-10-17
申请号：US18508100
申请日：2023-11-13
申请人： Tendo Systems Inc.
发明人： Paul J. KETCHEL
IPC分类号： G06Q30/0601 , G06Q20/06 , G06Q20/10 , G06Q20/38 , G06Q30/0201 , G06Q30/0207 , G06Q50/22 , G16H10/60 , G16H20/00 , G16H40/20
CPC分类号： G06Q30/0621 , G06Q20/065 , G06Q20/10 , G06Q20/381 , G06Q30/0206 , G06Q30/0239 , G06Q30/0613 , G06Q30/0629 , G06Q30/0633 , G06Q50/22 , G16H10/60 , G16H40/20 , G16H20/00
摘要： Apparatus and associated methods relate to presenting for selection services comprising at least one bundled set of healthcare services to be performed separately by respective providers, determining a bundle price for the at least one bundled set of healthcare services, and in response to receiving payment in an amount of the bundle price, generating a purchase data record selectively redeemable to receive each of the at least one bundled set of healthcare services, and transmitting a unique confirmation number generated for the purchase data record. One or more service of the bundled set may be a dental or veterinary service. The bundle price may be based on a location or time at which at least one service will be performed and may be determined using a user's remaining insurance deductible. Payment may be disbursed to multiple providers of the bundled set of healthcare services. A payment may be virtual funds.
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公开(公告)号：US20240346486A1
公开(公告)日：2024-10-17
申请号：US18299747
申请日：2023-04-13
申请人： Dapper Labs, Inc.
发明人： Nicholas Lemieux
CPC分类号： G06Q20/3672 , G06Q20/10 , G06Q20/4015 , G06Q2220/00
摘要： Aspects of the present disclosure are directed to providing location-based non-fungible tokens (NFTs) using request verification. Digital collectibles can be any suitable unit of data affiliated with person(s), organization(s), or any other entities. A digital collectible can comprise a display component that supports display of the digital collectible data. Some digital collectibles and/or NFTs can be generated as a set, such as digital collectibles linked to the same event (e.g., sporting events, concert, or other social event). Implementations support a set of location-based NFTs that correspond to digital collectibles linked to a predefined location, and in some examples a particular period of time (e.g., particular event) at the predefined location. For example, a claim manager can enforce a claim policy for the set of location-based NFTs, where user requests are validated against the claim policy before they are granted access to the set of location-based NFTs.
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公开(公告)号：US20240346469A1
公开(公告)日：2024-10-17
申请号：US18755844
申请日：2024-06-27
发明人： David DALLENBACH , Steven TURNER
CPC分类号： G06Q20/10 , G06Q20/20 , G06Q20/204 , G06Q20/206 , G06Q20/322 , G06Q20/3221 , G06Q20/36 , G06Q20/40
摘要： A mobile banking system and method allows an unbanked individual to engage in banking practices that would otherwise not be available to the individual due to the individual not having a bank account and not being able to cash checks, make deposits, etc. The mobile banking system allows the unbanked individual to create a registered system account and become a customer of the system. This system account allows the customer to make deposits at credit unions and merchants who are part of the mobile banking system. The customer can also withdraw funds from a merchant or make purchases from a merchant. The customer can also make donations to a desired donation receiver and create a wallet that allows the customer to allocate funds to cards in the wallet and allow individuals access to the cards and money associated with a card.
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公开(公告)号：US20240338680A1
公开(公告)日：2024-10-10
申请号：US18232707
申请日：2023-08-10
CPC分类号： G06Q20/3672 , G06Q20/10 , G06Q2220/00
摘要： A computer-based digital token management system, comprising at least one computer readable memory storing a digital notarized ledger, a token associated with the notarized ledger, or storing software instructions. The token comprises an address field having a first portion representing an owner of the token and a second portion, different from the first portion. The system including at least one processor coupled with the at least one memory and performs the following operations: receive a request comprising token owner data and token state data to update the token, identify the token by comparing the token owner data with the first portion of the address field, generate a new address field for the token wherein at least the second portion is updated based on the token state data, and invoke a smart contract on a computing node of the notarized ledger associated with the token according to the new address field.
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公开(公告)号：US12112384B2
公开(公告)日：2024-10-08
申请号：US17853728
申请日：2022-06-29
申请人： Truist Bank
IPC分类号： G06Q30/00 , G06Q20/10 , G06Q30/0601 , G06Q40/08
CPC分类号： G06Q40/08 , G06Q20/10 , G06Q30/0611 , G06Q30/0623
摘要： The present disclosure describes novel systems and methods for a customer to receive information and/or purchase a product or service while interacting with multiple vendors through a single contact/agency. The customer is able to communicate with the agency through a variety of communication modes. The agency adapts the customer's input as necessary to meet the requirements of the vendors and the agency returns information to the customer so that the customer can conveniently interact with the multiple vendors. The systems and methods allow for the customer to stop and restart the process at various points using any of the communication modes. The agency has the ability to present the customer with prospecting, sales, service, upgrades, cross-sells, and other pre- and post-purchase services at the single point-of-contact agency.
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公开(公告)号：US12106322B1
公开(公告)日：2024-10-01
申请号：US18092391
申请日：2023-01-02
IPC分类号： G06Q30/02 , G06Q20/10 , G06Q20/22 , G06Q20/32 , G06Q30/0207 , G06Q30/0238 , H04W4/02
CPC分类号： G06Q30/0215 , G06Q20/10 , G06Q20/227 , G06Q20/3221 , G06Q20/3224 , G06Q30/0238 , H04W4/023
摘要： A computer-implemented method for providing a recommended payment account includes receiving location information from a mobile device of a user having one or more payment accounts provided by a financial institution computer system, and determining a location of the user relative to a merchant based on the location information. The method also includes, based on the location of the user relative to the merchant, determining that a payment account recommendation should be sent to the user, including a recommended payment account for use in a payment transaction with the merchant and an incentive offer for using the recommended payment account in the payment transaction, determining the recommended payment account based on an expected financial impact to the user, generating the incentive offer, and sending the incentive offer and the recommended payment account to the mobile device of the user.
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