公开(公告)号：US20240354842A1

公开(公告)日：2024-10-24

申请号：US18762520

申请日：2024-07-02

申请人： Wells Fargo Bank, N.A.

发明人： Poonam Chawla ,  Prafullata Diwate ,  Alicia Laramy ,  Jason Martin ,  Nirmal Masih ,  Stephen Nixon

IPC分类号： G06Q40/02 ,  G06Q20/32 ,  G06Q20/40

CPC分类号： G06Q40/02 ,  G06Q20/3276 ,  G06Q20/3278 ,  G06Q20/40145

摘要： A computing system includes a network interface circuit structured to facilitate data transmission over a network, and a processing circuit having one or more processors coupled to non-transitory memory storing instructions that when executed by the one or more processors, cause the processing circuit to: generate a first code specific to at least one of an individual or an event, the first code being displayable for capture by a customer device associated with a customer; generate a second code regarding the customer; cause a providing of the second code to the customer device; and in response to receiving the second code from the customer device within a predefined parameter of receiving customer information and an indication of a capturing of the first code from the customer device, cause an opening of an account for the customer.

公开(公告)号：US12125018B2

公开(公告)日：2024-10-22

申请号：US16197628

申请日：2018-11-21

申请人： Worldpay Limited

发明人： Jonathan Stewart Vokes ,  Nicholas Telford-Reed

IPC分类号： G06Q20/32 ,  G06F21/34 ,  G06F21/57 ,  G06Q20/10 ,  G06Q20/34 ,  G06Q20/38 ,  G06Q20/40 ,  G07F7/08 ,  H04W12/04 ,  H04W12/06 ,  H04B5/77 ,  H04W4/80 ,  H04W12/67 ,  H04W12/71

CPC分类号： G06Q20/3223 ,  G06F21/577 ,  G06Q20/102 ,  G06Q20/32 ,  G06Q20/3226 ,  G06Q20/3265 ,  G06Q20/327 ,  G06Q20/3278 ,  G06Q20/352 ,  G06Q20/3829 ,  G06Q20/4014 ,  G06Q20/40975 ,  G07F7/0873 ,  H04W12/04 ,  H04W12/06 ,  G06F21/34 ,  H04B5/77 ,  H04W4/80 ,  H04W12/67 ,  H04W12/71

摘要： A method for initiating payment transactions from a payment terminal application on a mobile electronic device may include displaying, on a display screen of the mobile electronic device, a first indicia corresponding to a wireless communication antenna location of the mobile electronic device, receiving, at the wireless communication antenna of the mobile electronic device, a first signal from an antenna located in the payment instrument, the first signal received at a first time, receiving, at the wireless communication antenna of the mobile electronic device, a second signal from the antenna located in the payment instrument, the second signal received at a second time later than the first time, determining a difference in a signal strength between the first and second signals, and displaying, on the display screen of the mobile electronic device, a second indicia based on the determined difference in signal strength.

公开(公告)号：US12118534B2

公开(公告)日：2024-10-15

申请号：US18347049

申请日：2023-07-05

申请人： Mastercard International Incorporated

发明人： Ian David Alan Maddocks ,  Simon Phillips ,  Duncan Garrett ,  James John Anderson

IPC分类号： G06Q20/32 ,  G06Q20/10 ,  G06Q20/40 ,  H04W4/80

CPC分类号： G06Q20/3278 ,  G06Q20/102 ,  G06Q20/3224 ,  G06Q20/4012 ,  G06Q20/405 ,  H04W4/80

摘要： A contactless transaction terminal and method for interacting with a payment enabled mobile device to permit access to a location or to a service. The contactless transaction terminal includes a processor, a polling signal generator operably connected to the processor, an NFC circuit operably connected to the polling signal generator, and a receiver operably connected to the NFC circuit and to a data recovery circuit that is operably connected to the processor. Also included is a storage device operably connected to the processor. The storage device stores program instructions which when executed cause the processor to generate, via the polling signal generator, short-distance radio signals including at least three polling signals; emit, via the NFC circuit, the at least three polling signals at frequent intervals for detection by a payment-enabled mobile device; receive at least one of a Type A or Type B signal from the payment enabled mobile device; and permit access to at least one of a location or service.

公开(公告)号：US20240338675A1

公开(公告)日：2024-10-10

申请号：US18131489

申请日：2023-04-06

申请人： Capital One Services, LLC

发明人： William Broome ,  Joshua McGarity ,  Timothy Tran

IPC分类号： G06Q20/34 ,  G06Q20/32

CPC分类号： G06Q20/352 ,  G06Q20/3278

摘要： Embodiments are directed to techniques and systems to perform operations with contactless cards and trusted devices.

公开(公告)号：US20240338669A1

公开(公告)日：2024-10-10

申请号：US18746725

申请日：2024-06-18

申请人： STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

发明人： Kristopher Keith Gaudin ,  Justin Davis ,  Leo Nelson Chan

IPC分类号： G06Q20/20 ,  B60W60/00 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q50/06 ,  G07C9/25 ,  G07C9/26 ,  G07F15/00

CPC分类号： G06Q20/204 ,  B60W60/00 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/206 ,  G06Q20/3226 ,  G06Q20/3278 ,  G06Q20/40145 ,  G06Q20/405 ,  G06Q30/06 ,  G06Q50/06 ,  G07C9/257 ,  G07F15/001 ,  G07C9/26

摘要： Methods, systems, apparatus, and non-transitory computer readable media are described for using a vehicle as a payment device. Various aspects may include receiving a selection of a stored financial card or financial account at a vehicle head unit. The selected financial card or financial account may be transmitted to a point-of-sale (POS) terminal for making a payment by transmitting a tokenized card number to the POS terminal. The tokenized card number may be transmitted over a very short-range communication link to ensure that the transmission is secure. For example, electronic circuitry may be attached to the exterior of the vehicle, where the electronic circuitry may be within a threshold distance (e.g. one inch, three inches, six inches, one foot, three feet, etc.) of the POS terminal. The tokenized card number may be transmitted from the vehicle head unit to the electronic circuitry and then to the POS terminal.

公开(公告)号：US12112315B2

公开(公告)日：2024-10-08

申请号：US16312231

申请日：2016-07-29

申请人： Visa International Service Association

发明人： John F. Sheets ,  Kim Wagner ,  Christian Aabye ,  Jing Jin

IPC分类号： G06Q20/36 ,  G06F21/30 ,  G06F21/44 ,  G06Q20/32 ,  H04L9/32 ,  H04W12/63

CPC分类号： G06Q20/3674 ,  G06F21/30 ,  G06F21/44 ,  G06Q20/3227 ,  G06Q20/3278 ,  G06Q20/3672 ,  H04L9/3236 ,  H04W12/63

摘要： In a system for verifying transactions, when a user with a portable communication device nears a resource provider location, the portable communication device provides an indication to a transaction processing system of its proximity to the location. The portable communication device then provides a universally unique identifier (UUID) of a base station of the resource provider to the transaction processing system, which generates a hash using the UUID and a primary account number (PAN) of a portable transaction device that is associated with the portable communication device. When the user conducts a transaction with the portable transaction device at the provider, the provider generates a separate hash from the UUID and the PAN and sends the hash to the transaction processing system, A match between the hashes is taken into account as a positive indicator that the transaction is not fraudulent and the resource provider is complying with the system.

公开(公告)号：US12106299B2

公开(公告)日：2024-10-01

申请号：US18643971

申请日：2024-04-23

申请人： PAYRANGE INC.

发明人： Paresh K. Patel

IPC分类号： G06Q20/40 ,  G06Q20/18 ,  G06Q20/32 ,  G07F7/08 ,  G07F9/02

CPC分类号： G06Q20/40 ,  G06Q20/18 ,  G06Q20/322 ,  G06Q20/3226 ,  G06Q20/327 ,  G06Q20/3278 ,  G07F7/0893 ,  G07F9/023

摘要： A mobile device presents representations of payment accepting unit events on a display, by identifying a payment accepting unit that is available to accept payment, displaying a visual indication of the payment accepting unit, and accepting user input to receive selection of the payment accepting unit and trigger payment, establishing a wireless communication path including the mobile device and the payment accepting unit, enabling user interaction with the user interface to complete the transaction, exchanging information with the available payment accepting unit via the one or more radio transceivers in conjunction with the transaction, and displaying an updated user interface of the mobile payment application.

公开(公告)号：US12106283B2

公开(公告)日：2024-10-01

申请号：US18203575

申请日：2023-05-30

申请人： Wells Fargo Bank, N.A.

发明人： Young M. Yang ,  Kelly Q. Zeichick

IPC分类号： G06Q20/32 ,  G06Q20/10 ,  G06Q20/40

CPC分类号： G06Q20/3278 ,  G06Q20/1085 ,  G06Q20/40145

摘要： Systems and methods for contactless transactions are described. A method includes transmitting, by a mobile device having a provider institution mobile application, a first data payload to a user-interactive device via a first short-range wireless communication, and launching the provider institution mobile application on the mobile device based on the first short-range wireless communication. The method further includes transmitting authentication information to the user-interactive device via a second short-range wireless communication, receiving a request for transaction information from the user-interactive device via the second short-range wireless communication, and transmitting transaction information to the user-interactive device via a third short-range wireless communication as part of the transaction.

公开(公告)号：US12099990B2

公开(公告)日：2024-09-24

申请号：US18467378

申请日：2023-09-14

申请人： Capital One Services, LLC

发明人： Jade Garrett ,  David Kelly Wurmfeld ,  Michael Littlejohn ,  Michael Louie ,  Michael Canavatchel ,  Spencer Cutrell ,  Steve Faletti ,  Rex Lacy ,  Alexander Medeiros

IPC分类号： 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分类号： 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

摘要： Systems and methods for securely generating and printing documents are disclosed. For example, processor(s) of a computer system may receive information for the document from a computing device through a network, verify the information for the document, and upon verification, generate document generation data using at least a portion of the information for the document. The document generation data may include document metadata that enables generation of an image of the document and/or the image of the document. Upon the processor(s) verifying first authentication information of a first code associated with a printing device received from the computing device through the network and second authentication information of a second code associated with the computing device received from the printing device through the network, the processor(s) may transmit the document generation data to the printing device through the network, and cause the printing device to print the image of the document.

公开(公告)号：US20240311804A1

公开(公告)日：2024-09-19

申请号：US18673000

申请日：2024-05-23

申请人： TREC Corporation

发明人： Albert D'Alisa ,  Scott W. Frey ,  Frank S. Giaccio ,  Greg Hines ,  Frank Sherman

IPC分类号： G06Q20/36 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q20/40

CPC分类号： G06Q20/3674 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/322 ,  G06Q20/3278 ,  G06Q20/3821 ,  G06Q20/38215 ,  G06Q20/401

摘要： Embodiments described herein provide approaches for processing a payment in an electronic commerce environment. Specifically, a customer of a merchant website in the electronic commerce environment is provided a universal payment interface in response to the customer's request to pay. The universal payment interface retrieves a proprietary token from the customer. This proprietary token is a mobile device-based token that is provided by a provider associated with the mobile device. The universal payment interface requests a determination from the provider as to whether the proprietary token is valid, and the payment is verified based on the determination from the provider.