公开(公告)号：US12125076B2

公开(公告)日：2024-10-22

申请号：US17518904

申请日：2021-11-04

申请人： U.S. Bank National Association

发明人： Jeremy M. Silver ,  Todd C. Moning ,  James Andrew Cantrell ,  Terron C. Hyde

IPC分类号： G06Q30/00 ,  G06N20/00 ,  G06Q20/02 ,  G06Q20/12 ,  G06Q20/22 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q30/0207 ,  G06Q30/0226 ,  G06Q30/0234 ,  G06Q30/0279 ,  G06Q30/04 ,  G06Q30/0601 ,  H04L67/141 ,  H04L67/143 ,  G06K7/10 ,  G06K7/14 ,  G06K19/06 ,  G06K19/07

CPC分类号： G06Q30/04 ,  G06N20/00 ,  G06Q20/027 ,  G06Q20/123 ,  G06Q20/127 ,  G06Q20/227 ,  G06Q20/3255 ,  G06Q20/3272 ,  G06Q20/3276 ,  G06Q20/40145 ,  G06Q20/4015 ,  G06Q30/0222 ,  G06Q30/0226 ,  G06Q30/0234 ,  G06Q30/0279 ,  G06Q30/0613 ,  G06Q30/0633 ,  H04L67/141 ,  H04L67/143 ,  G06K7/10297 ,  G06K7/1413 ,  G06K7/1417 ,  G06K19/06028 ,  G06K19/06037 ,  G06K19/0723 ,  G06Q20/3278

摘要： An ambient transaction system is described for facilitating various transactions types between a management system and a connected device over a transaction platform. Based on a variety of different triggering conditions, the transaction platform may establish an integrated session among the transaction platform, the management system, and the connected device. The transaction platform includes integrated logic of the management system such that a presentment layer provided to the connected device by the transaction platform via the integrated session includes features of the management system associated with the transaction type. When the transaction is a payment transaction, the features may include a payment feature through which checkout options may be selected for payment via the connected device. Upon receiving a payment selection from the connected device, the transaction platform may transmit the payment information to a payment processing system, and provide payment confirmation to at least the management system.

公开(公告)号：US12112307B1

公开(公告)日：2024-10-08

申请号：US18094062

申请日：2023-01-06

申请人： Wells Fargo Bank, N.A.

发明人： Ashish B. Kurani ,  James C. Noe ,  Imran Haider ,  Frank Fehrenbach ,  Guruprasadh Ragothaman ,  Matthew C. Strader ,  Palani Munuswamy ,  Chandra Subramanian ,  George Atala ,  Mattie L. Morris ,  Braden More ,  Loftlon Worth ,  Nathan B. Coles

IPC分类号： G06Q20/22 ,  G06Q20/10

CPC分类号： G06Q20/227 ,  G06Q20/102

摘要： Systems and methods for providing early payment recommendations may include one or more processors establish a connection between a first data source and a second data source, and maintain a machine-learning model trained to ingest data from the first and second data source. The processor(s) may detect a data entry for an invoice between an enterprise and a third party via the connection, extract a trade term from the invoice responsive to detecting the data entry, apply the trade term to the machine-learning model as a first input, and apply data of the account of the second data source to the machine-learning model as second input. The processor(s) may receive, from the machine-learning model, an output including a score for early-payment of the data entry according to the trade term and the data of the account, and transmit a notification for the invoice to a computing device of the enterprise.

公开(公告)号：US20240320651A1

公开(公告)日：2024-09-26

申请号：US18598986

申请日：2024-03-07

申请人： KAKAO CORP.

发明人： Eun Ha KIM ,  Hyo Eun LEE ,  Kyeong Jin KIM ,  Ji Ho MOON

IPC分类号： G06Q20/32 ,  G06Q20/22 ,  G06Q20/34 ,  G06Q20/40

CPC分类号： G06Q20/3224 ,  G06Q20/227 ,  G06Q20/351 ,  G06Q20/409

摘要： A method and apparatus for a payment service are disclosed. A method of operating a server providing a payment service includes obtaining country-related information of a terminal connected to the payment service. The country-related information of a terminal may include a country code the number of the terminal is assigned to. The method includes providing an international credit card as an option for a payment method to the terminal based on the country-related information. The method includes checking whether an account corresponding to the terminal is authenticated. The method includes determining a default value of a payment method corresponding to the account based on whether the account is authenticated.

公开(公告)号：US12093911B2

公开(公告)日：2024-09-17

申请号：US16829592

申请日：2020-03-25

申请人： First Data Corporation

发明人： Steven E. Arthur ,  Christopher L. Toomer ,  Sarah Owen ,  Theodore VanDeburg

IPC分类号： G06Q20/20 ,  G06Q20/22 ,  G06Q20/32 ,  G06Q30/02 ,  G07F17/16

CPC分类号： G06Q20/20 ,  G06Q20/227 ,  G06Q20/322 ,  G06Q20/3255 ,  G06Q20/326 ,  G06Q20/3278 ,  G06Q30/02 ,  G07F17/16

摘要： A computer-implemented method of conducting wireless transaction includes receiving, using an antenna of a point of sale device, one or more electromagnetic signals from a mobile device of a customer. The electromagnetic signals are interpreted using a communications module of the point of sale device to determine information related to a financial account of the customer. Using a network interface of the point of sale device, a connection with an acquirer system is initiated. Using the network interface a packet of data including an authorization request is transmitted over the connection to the acquirer system. The packet of data includes the information related to the financial account, a merchant identifier, a date, and a transaction amount. An authorization code is received from the acquirer system using the network interface. An electronic receipt is transmitted to the mobile device using the network interface.

公开(公告)号：US20240303646A1

公开(公告)日：2024-09-12

申请号：US18667623

申请日：2024-05-17

申请人： State Farm Mutual Automobile Insurance Company

发明人： Ryan Chambers ,  Anthony Martin ,  Dana R. Guild

IPC分类号： G06Q20/38 ,  G06Q20/22 ,  G06Q20/24

CPC分类号： G06Q20/385 ,  G06Q20/22 ,  G06Q20/227 ,  G06Q20/24

摘要： A method and system may provide a secure credit card payment service which allows a merchant to store credit cards without storing credit card data on merchant servers. The customer, via a web-enabled device, transmits a request to register a credit card and receives from the merchant server, a credit card registration webpage where the customer may provide credit card data and customer data. In response to receiving the credit card data and the customer data, the web-enabled device transmits the credit card data to a token server that stores the credit card data and receives a token from the token server. In response to receiving the token, the web-enabled device transmits the token and the customer data to the merchant server for storage and processing subsequent credit card payment transactions.

公开(公告)号：US20240242195A1

公开(公告)日：2024-07-18

申请号：US18356806

申请日：2023-07-21

申请人： FUJIFILM BUSINESS INNOVATION CORP.

发明人： Naoko SATO

IPC分类号： G06Q20/22 ,  G06Q30/0283

CPC分类号： G06Q20/227 ,  G06Q30/0283 ,  G07F17/266

摘要： An information processing apparatus includes a processor configured to: calculate a fee as compensation for a product or service; and adjust, if settlement by a first settlement option selected initially is insufficient to settle a full amount of the calculated fee, a monetary amount to be settled by the first settlement option and a monetary amount to be settled by a second settlement option different from the first settlement option, so that the monetary amount to be settled by the second settlement option is in units acceptable for settlement by the second settlement option.

公开(公告)号：US12039396B2

公开(公告)日：2024-07-16

申请号：US18422929

申请日：2024-01-25

申请人： Steven Michael Colby

发明人： Steven Michael Colby

IPC分类号： G06K7/10 ,  G06K19/077 ,  G06Q20/22 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/40 ,  G07G1/00

CPC分类号： G06K7/10158 ,  G06K7/10316 ,  G06K19/07709 ,  G06K19/07758 ,  G06Q20/227 ,  G06Q20/3278 ,  G06Q20/352 ,  G06Q20/4012 ,  G07G1/009

摘要： Various switchable devices, e.g., cellular telephones, including inductive antennas are disclosed. These switchable devices may include one or more switches and a biometric sensor. Some of these one or more switches are optionally wireless and/or manual. In various embodiments, the switchable devices include are included within cellular phones, security devices, identity devices, financial devices, remote controls, and the like. The switchable devices are optionally configured to perform financial transactions.

公开(公告)号：US12020235B2

公开(公告)日：2024-06-25

申请号：US15581972

申请日：2017-04-28

申请人： Block, Inc.

发明人： Afshin Rezayee ,  Malcolm Smith ,  Lev Kusman ,  Gokhan Aydeniz ,  Yasser Zabuair ,  Jesse Wilson ,  Shawn Zurbrigg ,  Murat Cat

IPC分类号： G06Q20/32 ,  G06Q20/20 ,  G06Q20/22 ,  G06Q20/40 ,  H04W76/10

CPC分类号： G06Q20/3278 ,  G06Q20/20 ,  G06Q20/227 ,  G06Q20/4014 ,  H04W76/10

摘要： A device may run an application having information with multiple accounts associated with processing of transactions. The application may provide account information that is used to process the transactions. At the same time, a background application may operate on the device. The background application may be compatible with a second device, and when within range of the second device, may communicate background messages relevant to the transaction. The transaction may then be processed based on the account information and the background messages.

公开(公告)号：US12008538B2

公开(公告)日：2024-06-11

申请号：US17949881

申请日：2022-09-21

申请人： Paymentus Corporation

发明人： Dushyant Sharma

IPC分类号： G06Q20/22 ,  G06Q20/10 ,  G06Q20/36

CPC分类号： G06Q20/227 ,  G06Q20/102 ,  G06Q20/363 ,  G06Q20/3674

摘要： Described are systems, apparatuses, methods, and computer program products for low-input initiation of user account-affiliated transactions. An example apparatus can comprise a processor and a memory storing program code configured to cause the apparatus to store payor information, authentication information, and account information associated with a payor; store payee information associated with payees; receive, from a payee device or a payor device, a request to initiate a payment, the request comprising information about a payor and payee as well as a payment amount; determine, based at least upon the information about the payor and payee, and the stored information, whether the payment is to a pre-approved payee or merchant with which payor has a pre-existing account; and, in an instance in which the determination is in the affirmative, initiate the payment by providing at least payor and payee information and payment amount a payment processor.

公开(公告)号：US12008521B1

公开(公告)日：2024-06-11

申请号：US17565388

申请日：2021-12-29

申请人： Wells Fargo Bank, NA

发明人： Andrew J. Diggdon ,  John Maher ,  Karen Lynne Moore ,  Yon Wing Lee ,  Brian Paul McMahon

IPC分类号： G06Q20/00 ,  G06Q20/08 ,  G06Q20/10 ,  G06Q20/14 ,  G06Q20/22 ,  G06Q20/40 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/03

CPC分类号： G06Q20/00 ,  G06Q20/227 ,  G06Q20/405 ,  G06Q40/00 ,  G06Q20/085 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/14 ,  G06Q40/02 ,  G06Q40/03

摘要： A computer-implemented data processing system includes a data storage device and a processor and program logic stored in memory and executable by the processor. The program logic may include account management logic coupled to the data storage device and configured to manage accounts respectively associated with a plurality of users, the account management logic including account processing logic configured to process transactions for the accounts and store account data related to the accounts in the data storage device. The program logic may further include interface logic coupled to the account management logic and the data storage device, the interface logic configured to connect the data processing system to computing systems associated with the plurality of users by way of the Internet, the interface logic providing the plurality of users with web access to an on-line banking area of a website of a financial institution.