公开(公告)号：US20190252048A1

公开(公告)日：2019-08-15

申请号：US15896514

申请日：2018-02-14

申请人： 4MEDICA, INC.

发明人： Oleg Bess ,  Vannamuthu Kuttalingam ,  Adam Bess

IPC分类号： G16H10/60 ,  G16H15/00 ,  G06Q20/10 ,  G06Q10/10 ,  H04W4/12

CPC分类号： G16H10/60 ,  G06Q10/10 ,  G06Q20/102 ,  G16H15/00 ,  H04W4/12

摘要： An electronic healthcare system for delivering medical services is described. The electronic healthcare systems can includes modules for accessing patient electronic medical records and ordering medical services. In response to a medical service order, a cost estimation and notification module can receive information associated with the medical service order. The cost estimation and notification module can determine the patient cost responsibility and quickly notify the patient of the costs. The patient can use the determined cost information to decide whether to move forward with the ordered medical tests.

公开(公告)号：US20190244293A1

公开(公告)日：2019-08-08

申请号：US16383798

申请日：2019-04-15

申请人： William Stanley Berliner

发明人： William Stanley Berliner

IPC分类号： G06Q40/04 ,  G06Q20/10

CPC分类号： G06Q40/04 ,  G06Q20/102

摘要： A computer-implemented method for creating an option on a TBA mortgage backed security, including determining an option position is marked to market daily, where the option position is long or short, determining the option position increased in value by an increased amount on a given day and adding the increased value to a customer's margin account, determining the option position decreased in value by a decreased amount on the given day and subtracting the decreased value from the customer's margin account, and when funds in the margin account are below a predetermined margin requirement, requesting the customer deposit additional funds in the margin account, receiving a request to exercise the option on the TBA mortgage backed security from a customer owning the option on the TBA mortgage backed security.

公开(公告)号：US20190220837A1

公开(公告)日：2019-07-18

申请号：US15874676

申请日：2018-01-18

申请人： Capital One Services, LLC

发明人： Michelle OLENOSKI ,  Latha SHAH

IPC分类号： G06Q20/14 ,  G06N99/00

CPC分类号： G06Q20/14 ,  G06N20/00 ,  G06Q20/0453 ,  G06Q20/102 ,  G06Q20/12 ,  G06Q20/32 ,  G06Q20/341 ,  G06Q30/018 ,  G06Q50/12

摘要： The disclosed embodiments provide systems, methods, and techniques for managing merchandising cards. A merchandising card may be, for example, a gift card, loyalty card, or the like. Consistent disclosed embodiments, a system for managing merchandising cards may include one or more memory devices storing instructions and one or more processors configured to acquire, from a device over a network, a plurality of locations associated with the device, the device locations being acquired at different instances in time within a predetermined period of time. Additionally, the processor may be configured to calculate a merchant confidence rating for a merchant using the device locations. Further, the one or more processors may be configured to, based on the merchant confidence rating, determine that the merchant matches a merchant that is associated with merchandising card, and send a reminder a user of the device.

公开(公告)号：US20190197503A1

公开(公告)日：2019-06-27

申请号：US16293561

申请日：2019-03-05

申请人： PayPal, Inc.

发明人： Kevin John Yu ,  Joseph Chong ,  Alan Tien

IPC分类号： G06Q20/10 ,  G06Q30/06 ,  G06Q40/02

CPC分类号： G06Q20/102 ,  G06Q20/10 ,  G06Q30/0609 ,  G06Q40/02

摘要： A method and system to transfer payment to a seller of a network-based commerce transaction are described herein. The method includes generating a risk model based on seller-specific criteria, and releasing funds from a holding account to the seller based on the risk model.

公开(公告)号：US20190197502A9

公开(公告)日：2019-06-27

申请号：US15889049

申请日：2018-02-05

申请人： INTEL CORPORATION

发明人： Charles Baron

IPC分类号： G06Q20/10 ,  H04L29/06 ,  G06F21/60 ,  G06F21/64 ,  G06Q10/10 ,  G06Q40/02 ,  G06F21/16 ,  G06Q50/18 ,  H04L9/08 ,  H04L9/32 ,  H04L29/08

CPC分类号： G06Q20/102 ,  G06F21/16 ,  G06F21/602 ,  G06F21/645 ,  G06F2221/2151 ,  G06Q10/10 ,  G06Q40/02 ,  G06Q50/18 ,  H04L9/0894 ,  H04L9/3247 ,  H04L63/0428 ,  H04L63/0442 ,  H04L63/08 ,  H04L63/12 ,  H04L63/123 ,  H04L63/126 ,  H04L67/10

摘要： In one embodiment, a trusted cloud service such as an “electronic vault” may store records of a consumer's electronic data file history. These documents may come from disparate providers and include financial statements and the like. The trusted vault cloud may act as an online notary to certify documents are legitimate and may be trusted. For example, a retailer may dispute whether the consumer paid a debt. To resolve the issue the retailer may access the cloud vault to retrieve a bank statement for the consumer, whereby the bank statement is electronically notarized by the vault cloud and is thus credible to the retailer. The retailer may then see proof the consumer had indeed paid a past debt to the retailer. Other embodiments are described herein.

公开(公告)号：US20190188662A1

公开(公告)日：2019-06-20

申请号：US16284859

申请日：2019-02-25

申请人： MASTERCARD INTERNATIONAL INCORPORATED

发明人： Amy C. Milam ,  Anita C. Galliani ,  Stephan J. Klaus ,  Walter Lo Faro ,  Lorrie M. Littlefield ,  Pauline Ow ,  Gautam Uppalapati ,  Thakur B. Kondasani

IPC分类号： G06Q20/10 ,  G06Q30/04

CPC分类号： G06Q20/102 ,  G06Q30/04

摘要： A computer system including a processor, in communication with a database, programmed to identify a plurality of billers from the database, including biller information, and receive a payee file including payee information identifying a payee which issued a bill to a payor. The processor determines an approximate match score for each of the billers in a first set of billers of the plurality of billers by comparing payee information to biller information and identifies a candidate list of billers from the first set of billers having an approximate match score indicating a likelihood of matching the payee information. The processor adjusts the candidate list of billers by altering the match score of at least one candidate biller by comparing a payee account number of the payee information to an account mask associated with the candidate biller and generates an output file of candidate biller information from the adjusted candidate list.

公开(公告)号：US20190188661A1

公开(公告)日：2019-06-20

申请号：US16232807

申请日：2018-12-26

申请人： Capital One Services, LLC

发明人： Charles A. ROSENBLATT ,  Tyler C. HOBBS ,  Frank L. ROTMAN

IPC分类号： G06Q20/10 ,  G06Q40/02 ,  G06Q20/02 ,  G06Q20/24

CPC分类号： G06Q20/102 ,  G06Q20/023 ,  G06Q20/24 ,  G06Q40/02

摘要： A method for automatically collecting payment for a credit account includes determining if a credit account is delinquent and determining the number of days the credit account is delinquent. The method includes automatically collecting a first amount from a first account if the number of days the credit account is delinquent comprises at least a first number of days and crediting the credit account the first amount. The first account may comprise a checking account, and the first number of days may comprise twenty days.

公开(公告)号：US10275754B2

公开(公告)日：2019-04-30

申请号：US14682744

申请日：2015-04-09

申请人： Gelliner Limited

发明人： Martin Paul Moshal

IPC分类号： G06K19/00 ,  G06Q20/20 ,  G06Q20/14 ,  G06F16/955 ,  G06Q20/22 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q20/42 ,  G06Q30/06 ,  G06Q30/02 ,  G06Q20/10 ,  G06Q20/12 ,  G06K7/14 ,  G06Q30/00 ,  H04L9/08 ,  H04L29/06 ,  G06K19/06

CPC分类号： G06Q20/208 ,  G06F16/9554 ,  G06K7/1417 ,  G06K19/06037 ,  G06Q20/102 ,  G06Q20/12 ,  G06Q20/14 ,  G06Q20/145 ,  G06Q20/223 ,  G06Q20/322 ,  G06Q20/3255 ,  G06Q20/3276 ,  G06Q20/3829 ,  G06Q20/387 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q20/425 ,  G06Q30/0185 ,  G06Q30/02 ,  G06Q30/0225 ,  G06Q30/06 ,  G06Q30/0609 ,  G06Q30/0633 ,  G06Q2220/10 ,  H04L9/0819 ,  H04L63/083

摘要： A system and method to use quick response (QR) codes encoded with merchant website identification codes and session GUID to register a user or code scanner with a merchant server, login the user or code scanner with the merchant server, and complete a purchase of an item or service within a virtual shopping cart of the merchant server. A code scanner can scan a QR code displayed on a device connected to the internet. An application server can receive an identification code from the code scanner and then transmit data indicating form fields to be filled in on a merchant webpage. A user profile can include data regarding the user and a payment instrument. The user profile data can prepopulate the form fields and the form field data can be transmitted to the merchant server to use for logging in the user and completing the purchase.

公开(公告)号：US20190108524A1

公开(公告)日：2019-04-11

申请号：US16212400

申请日：2018-12-06

申请人： Bank of America Corporation

发明人： Daralyn M. Nicholson ,  Anna Hollifield ,  Shaun G. Hunter

IPC分类号： G06Q20/40 ,  G06Q20/32 ,  G06Q20/42 ,  G06Q20/38

CPC分类号： G06Q20/405 ,  G06Q20/102 ,  G06Q20/3223 ,  G06Q20/3829 ,  G06Q20/4016 ,  G06Q20/42 ,  G06Q2220/00

摘要： Computer implemented systems and methods are disclosed involving technological advancements in the processing of electronic transaction processing. A system may comprise a networked environment including heterogeneous or homogenous payment processing systems. A centrally accessible server machine storing an automatic savings program module and rules controls the generation and dissemination of new transactions derived from incoming transactions. Moreover, the networked system may be used to control authorization of electronic transactions in a near real-time manner. The networked system may be used to distribute a financial health of a user in a user-friendly, mobile form factor.

公开(公告)号：US20190073864A1

公开(公告)日：2019-03-07

申请号：US16126585

申请日：2018-09-10

申请人： Gregory P. Manning ,  Geoffrey M. Gelman ,  Mark A. Miller

发明人： Gregory P. Manning ,  Geoffrey M. Gelman ,  Mark A. Miller

IPC分类号： G07F17/32 ,  G07F17/34 ,  A63F5/00 ,  G06Q20/32 ,  G06Q20/10

CPC分类号： G07F17/3213 ,  A63F5/0094 ,  G06Q20/102 ,  G06Q20/3224 ,  G07F17/32 ,  G07F17/3225 ,  G07F17/34

摘要： In various embodiments a single reel on a gaming device contains multiple symbols.