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    THREAD AUGMENTATION TO INCLUDE AUXILIARY FUNCTIONALITY
    1.
    发明公开
    THREAD AUGMENTATION TO INCLUDE AUXILIARY FUNCTIONALITY 审中-公开

    公开(公告)号：US20240185209A1

    公开(公告)日：2024-06-06

    申请号：US17973272

    申请日：2022-10-25

    申请人： Block, Inc.

    发明人： Demitra Skipper ,  Jae Won Park ,  Grant Gliner

    IPC分类号： G06Q20/22 ,  G06N20/00 ,  G06Q30/02

    CPC分类号： G06Q20/227 ,  G06N20/00 ,  G06Q20/229 ,  G06Q30/0207

    摘要： Techniques described herein are directed to receiving a first interaction and a second interaction associated with a group data object and generating a user interface depicting a conversational view of the first interaction and the second interaction. A user interface is utilized to display, in association with the conversational view of representations of the interactions, a selectable user interface element associated with initiating a payment, wherein selection of the first selectable user interface element causes an input mechanism to be displayed in association with the conversational view. User input data may be received indicating selection of the first selectable user interface element and a first amount to associate with the payment, and the user interface may be updated with a third representation of the payment.

    Secondary account management platform
    3.
    发明授权
    Secondary account management platform 有权

    公开(公告)号：US12112334B2

    公开(公告)日：2024-10-08

    申请号：US17364225

    申请日：2021-06-30

    申请人： Visa International Service Association

    发明人： Kellie Goodwin ,  David Henstock

    IPC分类号： G06Q20/40 ,  G06Q20/22 ,  G06Q20/36

    CPC分类号： G06Q20/405 ,  G06Q20/227 ,  G06Q20/229 ,  G06Q20/3672 ,  G06Q20/3676 ,  G06Q20/401

    摘要： Embodiments of the disclosure are directed to methods and systems for enabling generation and management of a secondary account. The secondary account may be generated in relation to a primary account, such that at least a portion of a transaction conducted using the secondary account may be charged to the primary account. In some embodiments, the secondary account may be associated with a number of protocols to be applied to a transaction. When a transaction is initiated using the secondary account, a service provider may consult an itinerary to dynamically generate a set of protocols which is relevant to the transaction based on a time period during which the transaction is initiated. In some embodiments, portions of the transaction may be split up and transmitted to different authorization entities for authorization.

    Systems and methods for dynamically funding transactions
    4.
    发明授权
    Systems and methods for dynamically funding transactions 有权

    公开(公告)号：US11935067B2

    公开(公告)日：2024-03-19

    申请号：US17539010

    申请日：2021-11-30

    申请人： Capital One Services, LLC

    发明人： Joshy Rendheer

    IPC分类号： G06Q20/40 ,  G06N5/02 ,  G06Q20/22 ,  G06Q20/42

    CPC分类号： G06Q20/405 ,  G06N5/02 ,  G06Q20/229 ,  G06Q20/42

    摘要： A system including: one or more processors; a memory storing instructions that, when executed by the one or more processors are configured to cause the system to receive primary and secondary user account data. The system generates one or more predictive model systems based on the primary and secondary user account data. The system receives a first input from the primary user corresponding to a first spending limitation for the secondary user. The system identifies a first transaction of the secondary user exceeding the spending limitation and determines using the one or more predictive model systems whether to authorize a spending limitation override. The system automatically authorizes the spending limitation override when the first transaction exceeds the spending limitation by less than a predetermined threshold. The system can also identify and automatically fund recurring transactions with an associated funding account using the one or more predictive model systems.