公开(公告)号：US12112346B2

公开(公告)日：2024-10-08

申请号：US17166782

申请日：2021-02-03

Applicant: Jerry Cain

Inventor： Jerry Cain

IPC: G06Q30/0201 ,  G06K1/12 ,  G06K19/06 ,  G06Q20/20 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q30/018 ,  G06Q30/0601 ,  G06K7/14

CPC classification number: G06Q30/0206 ,  G06K1/121 ,  G06K19/06028 ,  G06Q20/202 ,  G06Q20/387 ,  G06Q20/405 ,  G06Q30/0185 ,  G06Q30/0623 ,  G06K7/1413

Abstract: A system for and method of generating alternative pricing is provided. A user accesses an online portal to set a pricing scheme for products. The user inputs a credit card price for one or more products along with a desired cash discount rate or amount. The invention can then generate a second price for each product and check said prices for compliance against one or more rules and regulations set by credit card issuers, state governments, and/or federal governments. Some embodiments of the invention include notifying the user of non-compliance and automatically providing iterative pricing checks to find the best compliant price. The invention can also generate a reference or point-of-sale code which can be utilized by a consumer to view a final resulting price list.

公开(公告)号：US20240330914A1

公开(公告)日：2024-10-03

申请号：US18622549

申请日：2024-03-29

Applicant: Denovo Systems, LLC

Inventor： Shlomo Zenou

IPC: G06Q20/38 ,  G06Q20/34 ,  G06Q30/0238 ,  G06Q30/0283

CPC classification number: G06Q20/387 ,  G06Q20/34 ,  G06Q30/0238 ,  G06Q30/0283

Abstract: There is a need for automated payment processing solutions well-suited for reducing the impact of Credit Card Processing Fee (CCPF) on merchants' margins. The present disclosure involves embodiments of the invention that relate to an automated payment processing solution called “Cash Discounting” or the moniker “True Cash Discount™”. The invention allows the merchant to set the base amount and the credit card machine adds a preconfigured CCPF. The machine seamlessly provides the option for the consumer to choose from the Discounted Price for a cash transaction or the credit/debit card transactions. In some embodiments a payment processing technology solution provides for removing the CCPF from the MSRP (Merchant Suggested Retail Price) to arrive at a Discounted Price that is applicable if payment will be made by cash.

公开(公告)号：US20240233017A9

公开(公告)日：2024-07-11

申请号：US18492394

申请日：2023-10-23

Applicant: Goldman Sachs & Co. LLC

Inventor： Chi Kit YIP ,  Chong Kiat Joseph CHUA ,  Manoj PREMA RAMESH ,  Chin Wan LAM ,  Brijesh GUPTA ,  Philipp WENDELING ,  George PAULOSE ,  Mathew MCDERMOTT ,  Amar AMLANI ,  Oliver HARRIS

IPC: G06Q40/06 ,  G06Q20/38

CPC classification number: G06Q40/06 ,  G06Q20/387 ,  G06Q2220/00

Abstract: A digital assets platform (DAP) uses distributed ledger technology and smart contract programming. The DAP can include distributed and decentralized communication network and application systems that collectively provide end-to-end tokenization, management, and lifecycle processing of digital assets. The assets may be digitally native securities (e.g., bonds, equities, funds, etc.) and non-securities (e.g., digital cash, loans, derivatives), tokenization of real-world assets (securities and non-securities), or any other forms of tokenized assets.

公开(公告)号：US20240202717A1

公开(公告)日：2024-06-20

申请号：US18533854

申请日：2023-12-08

Applicant: Synchrony Bank

Inventor： Deborah Bernert ,  Taylor Young ,  Jonathan M. Schmidt ,  Gregory Schultz ,  Jay Neidermeyer ,  Craig Urbansky ,  Viveka Vardhan Ravi ,  Tushar Divecha

IPC: G06Q20/38 ,  G06Q20/40 ,  G06Q30/0207

CPC classification number: G06Q20/387 ,  G06Q20/401 ,  G06Q30/0239

Abstract: Examples described herein include systems, methods, instructions, and other implementations for data security with integrated promotion systems. In one example, account security system receives a checkout communication that includes data describing a validated checkout system of a merchant system, where the checkout communication does not include a purchase promotion option. A client token is transmitted in response to an authentication that the checkout communication is from the validated checkout system, and an account communication including the client token and secure client information is received from a client device. A plurality of promotion options associated with the secure transaction is transmitted in response to the account communication, and a promotion selection for the secure transaction is received from the client device and not from the merchant system.

公开(公告)号：US20240185294A1

公开(公告)日：2024-06-06

申请号：US18419505

申请日：2024-01-22

Applicant: NextGen Shopping LLC

Inventor： Marc A. Mezzacca

IPC: G06Q30/0251 ,  G06Q20/38 ,  G06Q30/02

CPC classification number: G06Q30/0253 ,  G06Q20/387 ,  G06Q30/02

Abstract: A system and method of performing in-context of automated delivery of benefit-conveying (BC) code of an e-commerce website is provided. The system comprises means for identifying a BC code input field in a BC context of the e-commerce website, means for storing a plurality of BC code collections for supported e-commerce websites, and means for acquiring information about relevance-checked BC codes of the e-commerce web site. The system comprises means for displaying an UI panel in an vicinity of the identified BC code input field, with the UI panel configured to list information about the acquired relevance-checked BC codes in such a manner that an individual BC code from among the acquired BC codes can be selected through selecting a UI entry listing information about the individual BC code. The system comprises means for inputting the selected individual BC code into the identified BC code input field.

公开(公告)号：US11935087B2

公开(公告)日：2024-03-19

申请号：US17021356

申请日：2020-09-15

Applicant: PAYPAL, INC.

Inventor： Avik Chatterjee ,  Srivathsan Narasimhan

IPC: G06Q30/00 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q30/0226

CPC classification number: G06Q30/0229 ,  G06Q20/385 ,  G06Q20/387 ,  G06Q20/405

Abstract: A computer system detects the reception of a first token associated with a first transaction. The computer system determines that a first Payments Reward Identifier (PRI) is associated with the first token by accessing a PRI database. In response to determining that the first PRI is associated with the first token, the computer system accesses the PRI database and determines that the first PRI is associated with a record within the PRI database that corresponds to a first rewards ID (RID). In response to determining that the first PRI is associated with a record within the PRI database that corresponds to the first rewards, the computer system determines a first rewards amount corresponding to the first transaction, and updates a total rewards amount, in a rewards database, corresponding to the determined first RID based on the first rewards amount.

公开(公告)号：US20240070649A1

公开(公告)日：2024-02-29

申请号：US18072413

申请日：2022-11-30

Applicant: FAROVERSE, INC.

Inventor： Madhusudhan Vudali ,  Kamesh Raghavendra ,  T.M. Ravi

IPC: G06Q20/36 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q30/0207

CPC classification number: G06Q20/36 ,  G06Q20/326 ,  G06Q20/387 ,  G06Q20/389 ,  G06Q30/0239

Abstract: Embodiments provided a distributed computer system and a method of managing one or more non-fungible tokens (NFTs) using a mobile wallet system that is hosted using a mobile computing device. Various embodiments support using a Mobile Wallet Pass to represent a digital token and its utility outside of Web3 and/or Blockchain systems, software, or context; digitally linking an anonymous, unique digital token to an anonymous, unique Mobile Wallet Pass; de-linking and expiring the Mobile Wallet Pass when the original digital token is transferred from one Crypto-Wallet to another; communicating with token-holders via mobile-phone based push notifications that are presented on the Mobile Wallet Pass; manifesting the utilities of the digital token in relevant contexts using the Mobile Wallet Pass; enabling the token-holder to provide Personally Identifiable Information to the token-issuer using the Mobile Wallet Pass and claim additional utilities from the token-issuer; applying segmentation to digital tokens and presenting different utilities via the Mobile Wallet Pass; unlocking a utility based on their Web2 identity using the Mobile Wallet Pass.

公开(公告)号：US11900388B2

公开(公告)日：2024-02-13

申请号：US17700096

申请日：2022-03-21

Applicant: Block, Inc.

Inventor： William Henderson

IPC: G06Q20/40 ,  G06Q20/34 ,  G06Q20/38 ,  G06Q20/22

CPC classification number: G06Q20/405 ,  G06Q20/227 ,  G06Q20/348 ,  G06Q20/3567 ,  G06Q20/387

Abstract: A computer-implemented method for providing payment account information in a user account by receiving payment card information by a card reader at a point of sale. An account can be created when the payment card information is read by the card reader. Optionally, a gift card can be scanned prior to the creation of the account, and the gift card information can be combined with the payment card information. The gift card can be an electronic gift card which can be personalized with textual, visual, video, and/or audio portions.

公开(公告)号：US11869030B1

公开(公告)日：2024-01-09

申请号：US16698054

申请日：2019-11-27

Applicant: American Express Travel Related Services Company, Inc.

Inventor： Manish K. Deliwala ,  Rajesh K. Namboodiri ,  Keshav A. Narsipur ,  Huei Ong ,  Tony Prentice ,  Lisa C. Yokoyama ,  Santhosh R. Rao

IPC: G06Q30/0226 ,  G06Q20/38 ,  G06Q20/36

CPC classification number: G06Q30/0226 ,  G06Q20/367 ,  G06Q20/385 ,  G06Q20/387

Abstract: A system for using loyalty rewards accounts in a digital wallet may generate a mapping comprising an account mapped to a wallet token number and an indicator with the mapping stored in a database on a network of servers. The indicator may indicate an account type, and the wallet token number may be transmitted to a user device. The system may also receive a transaction request including a received wallet token number and a received indicator The indicator may be matched to the received indicator to determine the received wallet token number is associated with the account type (e.g., a loyalty rewards account). The system may route the transaction request to a loyalty settlement process in response to the account type being a loyalty rewards account.

公开(公告)号：US20230401554A1

公开(公告)日：2023-12-14

申请号：US18239065

申请日：2023-08-28

Applicant: ROYAL BANK OF CANADA

Inventor： Edison U. ORTIZ ,  Terry W. LEE ,  Marko PAVLOVIC ,  Arnold BADAL-BADALIAN

IPC: G06Q20/28 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q20/40 ,  H04L9/40 ,  G06Q20/20

CPC classification number: G06Q20/28 ,  G06Q20/3221 ,  G06Q20/3223 ,  G06Q20/3278 ,  G06Q20/351 ,  G06Q20/36 ,  G06Q20/367 ,  G06Q20/3672 ,  G06Q20/385 ,  G06Q20/387 ,  G06Q20/40 ,  H04L63/0428 ,  G06Q20/20 ,  H04L2209/80 ,  G06Q2220/00 ,  H04L2209/56

Abstract: Systems, devices, methods, and non-transient machine-interpretable programming and/or other instruction products for the generation, transfer, storage, and other processing of secure data sets used in electronic payment transactions, including particularly the secure creation, administration, manipulation, processing, and storage of electronic data useful in processing of pre-funded, pre-paid, and/or otherwise pre-authorized payment transactions. Devices and methods in accordance with the disclosure can be used to create pre-funded payment token data sets, the token data sets comprising secure data items or records representing negotiable monetary or other economic value, and to share them between network communication devices such as smart phones, home or business desktop computers, etc., for use in purchases and other transactions.