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公开(公告)号:US12118526B2
公开(公告)日:2024-10-15
申请号:US18243739
申请日:2023-09-08
Applicant: Bank of America Corporation
Inventor: Brian Joseph Smith , Todd M. Goodyear , Sidney R. Roper , John P. Rice
IPC: G06Q20/10 , G06F9/54 , G06Q20/02 , G06Q20/20 , G06Q20/32 , G06Q20/40 , G06V20/52 , G06F3/02 , G06F3/04886
CPC classification number: G06Q20/1085 , G06F9/541 , G06Q20/02 , G06Q20/204 , G06Q20/3223 , G06Q20/3224 , G06Q20/327 , G06Q20/4012 , G06Q20/40145 , G06Q20/4015 , G06V20/52 , G06F3/0202 , G06F3/04886
Abstract: An ATM system includes a back-end server, an ATM central processing unit (ATM CPU) that receives information relating to the ATM system and a mobile computer. The mobile computer provides a CPU (MC CPU) and a keypad. The mobile computer may also provide a touch screen configured to display an initial ATM display. The ATM system also includes an interface system for interfacing between the ATM CPU and MC CPU. The back-end server formats and transmits to the ATM an API call. The API call requests a location of the user, ATM device information, and identification information of the user. The mobile computer is configured to respond to the API call by providing the location, the ATM device information, and the identification information of the user to the back-end server.
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公开(公告)号:US12099992B2
公开(公告)日:2024-09-24
申请号:US18491079
申请日:2023-10-20
Applicant: Capital One Services, LLC
Inventor: David Kelly Wurmfeld
IPC: G06Q20/32 , G06F21/31 , G06K1/12 , G06K19/06 , G06Q20/04 , G06Q20/10 , G06Q20/18 , G06Q20/20 , G06Q20/40 , G06Q40/02 , H04W12/06 , H04W76/10
CPC classification number: G06Q20/3274 , G06F21/31 , G06K19/06037 , G06K19/06112 , G06Q20/042 , G06Q20/204 , G06Q20/208 , G06Q20/3272 , G06Q20/3276 , G06Q20/3278 , G06Q20/40145 , G06Q40/02 , H04W12/06 , H04W76/10 , G06K1/121 , G06Q20/1085 , G06Q20/18 , G06Q20/3223
Abstract: A method may include generating, by a computing device, a first dynamic QR code comprising a plurality of QR code frames, each QR code frame transmitted at a first frequency, the plurality of QR code frames comprising non-viable QR code frame(s) and at least one viable QR code frame. The method may include displaying, by the computing device, the first dynamic QR code, the at least one viable QR code frame displayed at a first time. The method may include transmitting, by the computing device, a first pulse to a user device. The method may include capturing, by the user device at the first time and in response to receiving the first pulse, the at least one viable QR code frame. The method may include generating and displaying, by the user device, a second dynamic QR code, causing the computing device to complete a requested transaction.
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公开(公告)号:US20240311789A1
公开(公告)日:2024-09-19
申请号:US18182909
申请日:2023-03-13
Applicant: JPMORGAN CHASE BANK, N.A.
Inventor: Rasik GOYAL , Nikunj TANNA , Ashish P. AJMERA , Sanjay DURGADIN , Riti SINGHAL , Prashant G. PARANJAPE , Selva DHARMARAJ , Josh BERGER , Tushar MISHRA , Sean RODWELL-SIMON , Shashank AITHALA , Hari Kishore CHITNENI , Lakshminarayana BAYAPAREDDY , Rajendra HEBBATAM
CPC classification number: G06Q20/204 , G06Q20/29 , G06Q20/351 , G06Q20/367 , G06Q2220/00
Abstract: Systems and methods for efficient presentation of payment options at point of sale devices are disclosed. A method may include: identifying a plurality of stored or provisioned payment cards in customer wallets for a merchant; (2) pre-qualifying each of the customers associated with the stored/provisioned payment cards for one or more installment payment options for a purchase from the merchant; and (3) communicating a list of token reference identifiers for stored/provisioned payment cards that have been pre-qualified and the one or more pre-qualified installment payment options to a merchant computer program executed by a merchant backend, wherein the merchant computer program receives a token reference identifier for a stored or provisioned payment card in one of the customer wallets, determines that the token reference identifier is on the list of pre-qualified token reference identifiers, and presents the one or more installment payment options in a checkout user interface.
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公开(公告)号:US20240311787A1
公开(公告)日:2024-09-19
申请号:US18645622
申请日:2024-04-25
Applicant: Worldpay, LLC
Inventor: Francois B. BERGEON , Scot A. BRYANT , Coy A. CHRISTENSEN
CPC classification number: G06Q20/202 , G06Q20/204 , G06Q20/208 , G06Q20/3825 , G06Q20/401
Abstract: Technologies for remotely managing payment authorization request messaging for payment transactions include a transaction management controller of one environment and a point of interaction device of another environment. The transaction management controller receives a transaction amount for a payment transaction from a business management engine. The payment transaction is based on a purchase transaction initiated by a merchant computing device of the other environment. The transaction management controller also receives payment card data from the point of interaction device, which is communicatively isolated from the merchant computing device and the business management engine. The transaction management controller inserts the transaction amount and the payment card data into a payment authorization request message, which is transmitted to a payment network. A payment authorization response message is received from the payment network and transmitted by the transaction management controller to the business management engine. Other embodiments are described and claimed.
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公开(公告)号:US12086776B2
公开(公告)日:2024-09-10
申请号:US17868561
申请日:2022-07-19
Applicant: TOYOTA MOTOR NORTH AMERICA, INC.
Inventor: Manish Kumar , James H. Kikuma
IPC: G06Q20/14 , G06F9/54 , G06Q10/08 , G06Q20/20 , G06Q20/32 , G06Q20/40 , G06Q30/018 , G06Q30/0645 , G07B15/06
CPC classification number: G06Q20/145 , G06F9/542 , G06Q10/08 , G06Q20/204 , G06Q20/322 , G06Q20/40 , G06Q30/018 , G06Q30/0645 , G07B15/063
Abstract: An example operation may include determining a fractional responsibility of an event, a sub-event and/or an occupant associated with a transport.
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公开(公告)号:US20240296440A1
公开(公告)日:2024-09-05
申请号:US18177190
申请日:2023-03-02
Applicant: Capital One Services, LLC
Inventor: Samuel Rapowitz , Bryant Yee , Armando Martinez Stone
CPC classification number: G06Q20/352 , G06Q20/204 , G06Q20/3278
Abstract: Disclosed embodiments may include a system for improving usability of a contactless payment terminal device. The system may detect a presence of a contactless transaction card. Responsive to determining that the contactless transaction card is not positioned at a desired location relative to a location of a contactless transaction card reader, the system may output a dynamic proximity guide indication. The dynamic proximity guide indication may be configured to provide a dynamically changing indication of how close the contactless transaction card is to being positioned at the desired location.
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公开(公告)号:US12079846B2
公开(公告)日:2024-09-03
申请号:US17239321
申请日:2021-04-23
Inventor: Linda R. Montero , Janaia Brundidge
CPC classification number: G06Q30/0281 , G06Q20/202 , G06Q20/204 , G06Q20/208
Abstract: Aspects described herein include a computer-implemented method (and associated system and computer program product) for a self-checkout transaction by a user in an environment. The method includes receiving an assistance request to receive assistance from an associate. The assistance request is associated with one or more items that are available for selection in the environment. The method further includes displaying a wait time for the assistance request, and receiving, prior to elapse of the wait time, a user input indicating that the user declines to wait for the assistance. The method further includes generating, responsive to the user input, one or more control signals to operate one or more devices to specify a location within the environment. The method further includes displaying instructions that prompt the user to place the one or more items in the specified location.
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公开(公告)号:US12073693B2
公开(公告)日:2024-08-27
申请号:US18120825
申请日:2023-03-13
Applicant: Capital One Services, LLC
Inventor: Molly Johnson , Adam Vukich , James Zarakas
CPC classification number: G07F19/2055 , G06Q10/06 , G06Q20/204 , G06Q20/206 , G06Q20/341 , G06Q20/401 , G06Q20/4016 , G07F7/1008
Abstract: Disclosed herein are system, method, and apparatus for detecting a skimmer via a vibration sensor on a transaction card. The method includes receiving, at a server, from a user equipment, vibration information recorded by a transaction card in response to an execution of a transaction at a point-of-service (POS) terminal of a plurality of POS terminals using the transaction card. The vibration information may be recorded by a microphone or an accelerometer on the transaction card while the transaction card is swiped through the POS terminal or inserted into or removed from the POS terminal. The method includes determining, at the server, a state of the POS terminal based on the received vibration information and in response to a determination of the state of the POS being compromised, sending to one or more stakeholders of the transaction a warning message containing the POS terminal information including the POS terminal's state.
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公开(公告)号:US12073406B2
公开(公告)日:2024-08-27
申请号:US17751705
申请日:2022-05-24
Applicant: Capital One Services, LLC
Inventor: Thomas S. Poole , Lawrence Douglas , Matthew R. Brolund
CPC classification number: G06Q20/4016 , G06Q20/204 , G06Q20/3224 , G06Q20/3278 , G06Q20/34
Abstract: A system and method in accordance with exemplary embodiments may include systems and methods for providing fraud management, which may include, receiving account holder data, determining vertical spend patterns associated with merchants to define a merchant risk for each merchant, generating a transactional behavior patter for the account holder, and generating a fraud score and/or action set (e.g., refer/decline/queue for review) based on the transactional behavior pattern and merchant risk. Account holder data may include, for example, an account type, an account balance, account credits and debits, and transaction data including merchant name, location, and transaction details.
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公开(公告)号:US12067550B2
公开(公告)日:2024-08-20
申请号:US17095467
申请日:2020-11-11
Applicant: PayPal, Inc.
Inventor: Patrick Babcock , Laura Clark , Oscar Charles Edward Sanderson
CPC classification number: G06Q20/208 , G06K7/1095 , G06K7/1417 , G06K19/06037 , G06K19/06112 , G06Q20/202 , G06Q20/204 , G06Q20/3224 , G06Q20/3274 , G06Q20/405 , G06Q20/4016 , G06Q30/018 , H04L67/12
Abstract: Systems, computer-implemented methods, apparatus, and/or computer program products that can facilitate electronic generation and/or display of enhanced, transaction-based QR codes are provided. In various embodiments, a system can receive, from an electronic beacon of a point-of-sale device, context data characterizing a transaction facilitated by the point-of-sale device. In various instances, the system can generate a quick response (QR) code based on the context data and based on financial instrument data, such that the context data and the financial instrument data are embedded within or correlated to the QR code. In various aspects, the system can visually render the QR code on an electronic display, such that the QR code is scannable by the point-of-sale device.
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