公开(公告)号：US12125017B2

公开(公告)日：2024-10-22

申请号：US18115225

申请日：2023-02-28

Applicant: Visa International Service Association

Inventor： Govind Ramachandran Nair

IPC: G06Q20/22 ,  G06F3/01 ,  G06F3/04815 ,  G06F3/0482 ,  G06F3/04845 ,  G06Q20/30

CPC classification number: G06Q20/227 ,  G06F3/012 ,  G06F3/04815 ,  G06F3/0482 ,  G06F3/04845 ,  G06Q20/30

Abstract: A computer-implemented method includes: receiving user identifying data; launching a virtual environment including an interactive graphical user interface configured to receive user selection inputs; in the virtual environment: receiving a first user selection input selecting an avatar corresponding to a payment device reward; associating the avatar and the payment device reward with the user; displaying payment device design components; receiving a second user selection input selecting a payment device design component; and associating the payment device design component with the user; and redirecting the user to an issuer system by communicating a payment device issuance request to generate and issue a payment device to the user, where the payment device issuance request contains at least one of the following: the user data, the first user selection input, the second user selection input, and/or any combination thereof.

公开(公告)号：US12026712B2

公开(公告)日：2024-07-02

申请号：US17955329

申请日：2022-09-28

Applicant: Visa International Service Association

Inventor： Yuexi Chen ,  Simon Hurry

IPC: G06Q20/40 ,  G06Q20/20 ,  G06Q20/30 ,  G06Q20/32 ,  G06Q20/34

CPC classification number: G06Q20/401 ,  G06Q20/206 ,  G06Q20/30 ,  G06Q20/3278 ,  G06Q20/341 ,  G06Q20/407

Abstract: Systems and methods provide dynamic application selection based on contextual data of a transaction. A portable device may include multiple applications with which a transaction may be processed. These applications may be associated with a variety of priorities. The portable device may provide a list of these applications to an access device from which one application may be selected.

公开(公告)号：US20230267464A1

公开(公告)日：2023-08-24

申请号：US18309921

申请日：2023-05-01

Applicant: Worldpay, LLC

Inventor： Erik William BAAR ,  Patricia Lynn WALTERS

IPC: G06Q20/40 ,  G06Q20/38 ,  G06Q20/42 ,  G06Q20/30

CPC classification number: G06Q20/401 ,  G06Q20/382 ,  G06Q20/38215 ,  G06Q20/3829 ,  G06Q20/425 ,  G06Q20/30

Abstract: Systems, methods and apparatus are disclosed for remote management of payment terminals. Public keys, or other security elements can be received from a certification authority and distributed to the payment terminals. A merchant, or other entity affiliated with the payment terminals, can monitor the status of the software and security elements of the payment terminals.

公开(公告)号：US20190245926A1

公开(公告)日：2019-08-08

申请号：US15890691

申请日：2018-02-07

Applicant: CityLift Parking, LLC

Inventor： Brandon Michael Richardson ,  Yi Jack Cheng

IPC: H04L29/08 ,  G05B15/02 ,  G06Q20/30 ,  G05D3/20

CPC classification number: H04W4/02 ,  E04H6/12 ,  E04H6/22 ,  E04H6/422 ,  G05B15/02 ,  G05D3/20 ,  G06Q10/02 ,  G06Q20/30 ,  G06Q2240/00 ,  H04L67/12

Abstract: A network system can provide a network service to manage a plurality of vehicle lift and storage systems (VLSS's). The network system can receive requests from users to store or retrieve their vehicles. In response to a user's request to store a vehicle, the network system can determine a dynamic storage assignment for the user's vehicle at one of the plurality of VLSS's managed by the network service. The dynamic storage assignment can be determined based, at least in part, on location information included in the request. The dynamic storage assignment can also be determined based on up-to-date availability information for each of the plurality of VLSS's managed by the network service. In addition, the network system can maintain user profiles for each user of the network service and can process financial transactions for users for use of the VLSS's.

公开(公告)号：US20190102780A1

公开(公告)日：2019-04-04

申请号：US15910365

申请日：2018-03-02

Applicant: AO Kaspersky Lab

Inventor： Vladimir A. Skvortsov ,  Evgeny B. Kolotinsky

IPC: G06Q20/40 ,  G06Q40/02

CPC classification number: G06Q20/40145 ,  G06F21/577 ,  G06F21/73 ,  G06Q20/30 ,  G06Q20/322 ,  G06Q40/02 ,  H04L63/0876 ,  H04L63/102 ,  H04W4/02 ,  H04W12/00503 ,  H04W12/08

Abstract: Disclosed are systems and methods of identifying a new device during a user's interaction with online services, such as banking services. In one aspect, a method is provided comprising collecting fingerprint for a device associated with a user, isolating, from the fingerprint, one or more key characteristics of the device which affect device security, performing clustering of previously known devices used by the user based on the one or more key characteristics, computing a difference between the one or more key characteristics of the device and one or more key characteristics of one or more devices which the user previously used to access an online service, wherein the one or more devices are from among the clustering of previously known devices and determining that the device is a new device used by the user when the difference exceeds a threshold value.

公开(公告)号：US20180276674A1

公开(公告)日：2018-09-27

申请号：US15992920

申请日：2018-05-30

Applicant: Confia Systems, Inc.

Inventor： Nadaradjane Ramatchandirane ,  Vandana Upadhyay

IPC: G06Q20/40 ,  G06Q20/32 ,  G06Q20/38 ,  H04W4/40

CPC classification number: G06Q20/40145 ,  G06F21/335 ,  G06F21/6254 ,  G06F2221/2137 ,  G06Q20/18 ,  G06Q20/30 ,  G06Q20/3224 ,  G06Q20/3227 ,  G06Q20/38215 ,  G06Q20/401 ,  G06Q20/4014 ,  H04L63/083 ,  H04L63/0861 ,  H04W4/40 ,  H04W12/00503 ,  H04W12/02 ,  H04W12/06

Abstract: An automobile may contain a communications system including a local-area wireless transceiver and a wide-area wireless transceiver, a user interface, a processor, and memory. The automobile may perform operations comprising: (i) placing the communications system in a transaction mode, (ii) receiving, by way of the local-area wireless transceiver and from a first party device, a transaction token that proposes a transaction between the first party device and an entity associated with the automobile, (iii) displaying, by way of the user interface, a representation of the transaction, (iv) receiving, by way of the user interface, approval to conduct the transaction, (vi) transmitting, by way of the wide-area wireless transceiver and to a second party device, a request to conduct the transaction, and (vii) receiving, by way of the wide-area wireless transceiver and from the second party device, a confirmation that the transaction was successful.

公开(公告)号：US10002347B2

公开(公告)日：2018-06-19

申请号：US15354930

申请日：2016-11-17

Applicant: THE INTERPROSE CORPORATION ,  BEGUIDED INC.

Inventor： Matthew D. Hill ,  Scott L. McGrew ,  Casey F. Uhrig ,  Greg W. Johnson ,  Kyle J. Nelson ,  Thomas F. Gillespie

IPC: G06Q20/12 ,  G06Q20/10 ,  G06Q30/02 ,  G06Q30/06 ,  G06Q40/00 ,  G06F3/01 ,  G06K9/00 ,  G06Q20/30 ,  G06T13/40 ,  G06F3/0481

CPC classification number: G06Q20/12 ,  G06F3/017 ,  G06F3/04817 ,  G06K9/00315 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/30 ,  G06Q30/0213 ,  G06Q30/06 ,  G06Q30/0603 ,  G06Q40/00 ,  G06T13/40

Abstract: Aspects of the present invention relate to systems and methods for design and use of web-based applications for account management. Some aspects relate to design tools that enable the use of a virtual agent or avatar as part of an account collection or management web application. Some aspects relate to applications, utilities and tools for node-based web resource design.

公开(公告)号：US20170330190A1

公开(公告)日：2017-11-16

申请号：US15150861

申请日：2016-05-10

Applicant: MasterCard International Incorporated

Inventor： Manoneet Kohli

IPC: G06Q20/40 ,  G06Q20/34

CPC classification number: G06Q20/4014 ,  G06Q20/30 ,  G06Q20/34 ,  G06Q20/40

Abstract: Embodiments of the disclosure enable one or more financial transactions to be processed based on a transaction score generated based at least in part on a delivery receipt history. A financial transaction processing computing device receives a request for authorization for a present financial transaction associated with a cardholder account, identifies a reference delivery receipt corresponding to a prior financial transaction associated with the cardholder account, analyzes the reference delivery receipt to generate a confidence metric indicative of a confidence in a legitimacy of the prior financial transaction, and generates a transaction score for the present financial transaction that is indicative of an expected risk associated with approving the request for authorization. Aspects of the disclosure provide for authorizing one or more financial transactions based on an authentication of a recipient associated with a prior financial transaction.

公开(公告)号：US09697517B1

公开(公告)日：2017-07-04

申请号：US14505599

申请日：2014-10-03

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Ryan Chambers ,  Anthony Martin ,  Dana R. Guild

IPC: G06Q20/00 ,  G06Q20/38 ,  G06Q20/30 ,  G06Q20/22

CPC classification number: G06Q20/385 ,  G06Q20/22 ,  G06Q20/227 ,  G06Q20/24 ,  G06Q20/30

Abstract: 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 provides a credit card by specifying customer data such a nickname for the credit card, a billing address, a billing phone number, a credit card company that issued the credit card, etc., as well as credit card data such as a credit card number, a credit card expiration date, a credit card service code, etc. The customer data may be received and stored at a merchant server, while the credit card data may be received and stored at a separate token server, which generates a token to represent the credit card data. The token may be stored at the merchant server and used to access the credit card data from the token server.

公开(公告)号：US09674394B2

公开(公告)日：2017-06-06

申请号：US15081851

申请日：2016-03-26

Applicant: Kyocera Document Solutions Inc.

Inventor： Norifumi Miyahara

IPC: G06K15/16 ,  G06Q30/04 ,  G06Q20/30 ,  H04N1/60 ,  H04N1/34 ,  H04N1/32 ,  H04N1/00 ,  G06Q30/02 ,  G06F3/12 ,  G06K15/00 ,  G06K15/02

CPC classification number: H04N1/342 ,  G06F3/1296 ,  G06K15/005 ,  G06K15/16 ,  G06K15/1823 ,  G06K15/40 ,  G06Q20/30 ,  G06Q30/0283 ,  G06Q30/04 ,  H04N1/0032 ,  H04N1/00832 ,  H04N1/32587 ,  H04N1/60 ,  H04N1/6016 ,  H04N2201/0094 ,  H04N2201/33378

Abstract: An image forming apparatus includes a printer, a drawing data creating circuit, a medium supply circuit, and a printing amount managing circuit that manages a printing amount. The medium supply circuit performs a primary supply and a secondary supply. The medium supply circuit starts the primary supply prior to completion of creating drawing data. The drawing data creating circuit fixes a color for use in printing. The printing amount managing circuit changes the printing amount according to a specified color specified in the print data before the drawing data creating circuit fixes the color for use when the printing amount needs to be changed to start the primary supply. The printing amount managing circuit corrects the printing amount according to the color for use when the printing amount is changed according to the specified color.