公开(公告)号：US20240362632A1

公开(公告)日：2024-10-31

申请号：US18688353

申请日：2022-12-05

申请人： NAYAX LTD.

发明人： David BEN-AVI ,  Guy ROSENHOIZ

IPC分类号： G06Q20/40 ,  G06Q20/10 ,  G06Q20/36

CPC分类号： G06Q20/4014 ,  G06Q20/10 ,  G06Q20/36

摘要： A system and a method for executing payments over a communication network are presented. The system performs payments over the communication network by using a payment clement. The payment clement includes a user identification string. The payment element is installed in a user digital wallet application at a user device to perform a payment.

公开(公告)号：US20240362620A1

公开(公告)日：2024-10-31

申请号：US18140276

申请日：2023-04-27

申请人： Livegage, Inc.

发明人： Anupam Sarwaikar ,  Bhaktavatsalam Yadlapalli

IPC分类号： G06Q20/36 ,  G06Q40/03 ,  G06Q50/16 ,  H04L9/32

CPC分类号： G06Q20/36 ,  G06Q40/03 ,  G06Q50/163 ,  H04L9/3213

摘要： An embodiment of the present invention is directed to storing a loan asset on a blockchain by using a secured note as a unique secured token (or non-fungible token (NFT)). An embodiment of the present invention may provide tokenization of a note to service a residential mortgage debt on a private blockchain. As recognized by an embodiment of the present invention, property may be uniquely represented by various characteristics including property address and/or property characteristics, such as bedrooms, bathrooms, garage, etc. Accordingly, an embodiment of the present invention may represent the underlying collateral (property) as a unique NFT.

公开(公告)号：US20240346489A1

公开(公告)日：2024-10-17

申请号：US18603873

申请日：2024-03-13

申请人： PAYPAL, INC.

发明人： Velayutham Subramanian ,  Narendra Kamesh ,  Arpan Nanavati ,  Brent Walter ,  Aravindan Ranganathan ,  Bill Scott

IPC分类号： G06Q20/36 ,  G06F21/33 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q20/40

CPC分类号： G06Q20/3674 ,  G06F21/335 ,  G06Q20/326 ,  G06Q20/36 ,  G06Q20/3821 ,  G06Q20/4014 ,  G06F2221/2139 ,  G06Q2220/00

摘要： A system and/or method may be provided to silently authenticate a user. An example method of silently authenticating a user includes receiving a request to complete a transaction associated with a merchant application. The request includes a data file including an identifier from the user device. The request is from a user device. The method also includes determining whether the data file includes a refresh token and determining whether the refresh token is valid if the data file includes the refresh token. The method further includes receiving an access token from the user device if the refresh token is valid. The access token includes an authorization scope. The method also includes determining whether the transaction is within the authorization scope. The method further includes authenticating a user if the transaction is within the authorization scope.

公开(公告)号：US20240346469A1

公开(公告)日：2024-10-17

申请号：US18755844

申请日：2024-06-27

申请人： Global Compassion, LLC

发明人： David DALLENBACH ,  Steven TURNER

IPC分类号： G06Q20/10 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/36 ,  G06Q20/40

CPC分类号： G06Q20/10 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q20/206 ,  G06Q20/322 ,  G06Q20/3221 ,  G06Q20/36 ,  G06Q20/40

摘要： A mobile banking system and method allows an unbanked individual to engage in banking practices that would otherwise not be available to the individual due to the individual not having a bank account and not being able to cash checks, make deposits, etc. The mobile banking system allows the unbanked individual to create a registered system account and become a customer of the system. This system account allows the customer to make deposits at credit unions and merchants who are part of the mobile banking system. The customer can also withdraw funds from a merchant or make purchases from a merchant. The customer can also make donations to a desired donation receiver and create a wallet that allows the customer to allocate funds to cards in the wallet and allow individuals access to the cards and money associated with a card.

公开(公告)号：US20240338693A1

公开(公告)日：2024-10-10

申请号：US18610033

申请日：2024-03-19

申请人： PAYRANGE INC.

发明人： Paresh K. Patel

IPC分类号： G06Q20/40 ,  G06F13/00 ,  G06Q20/18 ,  G06Q20/32 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q30/06 ,  G07F9/00 ,  G07F9/02

CPC分类号： G06Q20/40 ,  G06F13/00 ,  G06Q20/18 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3226 ,  G06Q20/327 ,  G06Q20/3278 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q20/3821 ,  G06Q20/3823 ,  G06Q20/3829 ,  G06Q20/401 ,  G06Q20/405 ,  G06Q30/06 ,  G07F9/002 ,  G07F9/023 ,  G06Q2220/00

摘要： An electronic device includes a slave interface configured for coupling to a machine controller of a machine via a multi-drop bus (MDB), a host interface configured for coupling to a first peripheral device of the machine, and memory storing one or more programs to be executed by the one or more processors and comprising instructions for: registering the electronic device as a slave to the machine controller, registering the first peripheral device as a slave to the electronic device, receiving from a mobile device a request to access signals generated by the first peripheral device, validating the request, and sending a reset command to the first peripheral device via the host interface, the reset command including a directive to update a signal destination address of the first peripheral device from a controller address of the machine controller to a device address of the electronic device.

公开(公告)号：US20240330918A1

公开(公告)日：2024-10-03

申请号：US18738691

申请日：2024-06-10

申请人： Capital One Services, LLC

发明人： Kevin Osborn ,  Xiaoguang Zhu ,  Samuel Rapowitz

IPC分类号： G06Q20/38 ,  G06N20/00 ,  G06Q20/36 ,  G06Q20/40

CPC分类号： G06Q20/389 ,  G06N20/00 ,  G06Q20/36 ,  G06Q20/4016

摘要： The disclosed technology relates to blockchain asset transfer destination verification to reduce fraudulent activity and increase confidence in digital asset transfers. An exemplary blockchain node device in a blockchain network may execute a smart contract to send a query to an oracle device with transaction context data from the smart contract and comprising one of a plurality of destination blockchain addresses and contextual information associated with an automated transfer of a digital asset defined by the smart contract. A confidence score may be received from the oracle device in response to the query following application of a machine learning model to the contextual information by the oracle device. The transfer may be determined to be allowed to proceed based on the confidence score. The transfer of the digital asset to the one of the destination blockchain addresses may then be recorded on the blockchain network.

公开(公告)号：US20240330909A1

公开(公告)日：2024-10-03

申请号：US18129148

申请日：2023-03-31

申请人： Bank of America Corporation

发明人： Nicole Guereque ,  Matthew Dana Murphy ,  Jeetendra Hukmichand Jain ,  Bradley Ryan Holland ,  Nathanael Richard Lindsay ,  Steven M. Twombly ,  Willis Marley Clow

IPC分类号： G06Q20/38 ,  G06Q20/36 ,  G06Q20/40

CPC分类号： G06Q20/382 ,  G06Q20/36 ,  G06Q20/401

摘要： Systems, methods, and apparatus are provided for a high-security display of distinct subsets of a digital payment card dataset. A payment card issuer may import token data to generate a digital payment card for a user. In some embodiments, the digital payment card may include the token place of a payment card PAN, a token expiration date in place of a payment card expiration date, and a token security code in place of a card CVV. The user may access the digital payment card data at a high security display that toggles to different subsets of the payment card dataset. The display may require different levels of verification to access each subset of the dataset. The user may execute a transaction using the digital payment card data.

公开(公告)号：US12105830B2

公开(公告)日：2024-10-01

申请号：US18334524

申请日：2023-06-14

申请人： NASDAQ, INC.

发明人： Akbar Ansari ,  Thomas Fay ,  Dominick Paniscotti

IPC分类号： G06F21/64 ,  G06F21/60 ,  G06F21/62 ,  G06Q10/06 ,  G06Q10/10 ,  G06Q20/02 ,  G06Q20/06 ,  G06Q20/36 ,  G06Q20/38 ,  H04L9/00

CPC分类号： G06F21/6227 ,  G06F21/602 ,  G06F21/6209 ,  G06F21/64 ,  G06F21/645 ,  G06Q10/06 ,  G06Q10/103 ,  G06Q20/02 ,  G06Q20/065 ,  G06Q20/36 ,  G06Q20/3829 ,  G06Q20/389 ,  G06F2221/2101 ,  G06F2221/2107 ,  G06F2221/2137 ,  G06Q2220/00 ,  H04L9/50

摘要： An information computer system is provided for securely releasing time-sensitive information to recipients via a blockchain. A submitter submits a document to the system and a blockchain transaction is generated and submitted to the blockchain based on the document (e.g., the document is included as part of the blockchain transaction). An editor may edit the document and an approver may approve the document for release to the recipients. Each modification and/or approval of the document is recorded as a separate transaction on the blockchain where each of the submitter, editor, approver, and recipients interact with the blockchain with corresponding unique digital identifiers—such as private keys.

公开(公告)号：US12100000B2

公开(公告)日：2024-09-24

申请号：US17684401

申请日：2022-03-01

申请人： Paymentus Corporation

发明人： Murali B. Subbarao ,  Srinivas S. Sunkara ,  Suzzanne D. Usiskin

IPC分类号： G06Q20/40 ,  G06Q20/12 ,  G06Q20/36 ,  G06Q20/38

CPC分类号： G06Q20/40 ,  G06Q20/12 ,  G06Q20/36 ,  G06Q20/363 ,  G06Q20/382 ,  G06Q20/3821 ,  G06Q20/4014

摘要： A system and method for creating and accessing a bifurcated digital wallet is described. The method comprises of processor implemented steps of authenticating by an authentication server one or more authentication information sent by a user terminal to the authentication server; extracting a first set of information by the authentication server based on the authentication of the authentication information; extracting a second set of information by one or more second servers based on the authentication of the authentication information; collating the first set of information and second set of information and displaying the collated information at the user terminal for processing a transaction.

公开(公告)号：US20240311802A1

公开(公告)日：2024-09-19

申请号：US18606009

申请日：2024-03-15

申请人： MASTERCARD INTERNATIONAL INCORPORATED

发明人： Vijin Venugopalan ,  Vairag Jain

IPC分类号： G06Q20/36 ,  G06Q20/32 ,  G06Q20/34

CPC分类号： G06Q20/36 ,  G06Q20/322 ,  G06Q20/352

摘要： Systems, methods, and computer program code are provided to contactlessly provision payment card information into a mobile wallet application of a mobile device are provided.