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公开(公告)号:US20240354758A1
公开(公告)日:2024-10-24
申请号:US18761230
申请日:2024-07-01
申请人: Veri Labs, Inc.
发明人: Balazs Nemethi
CPC分类号: G06Q20/389 , G06Q20/40 , H04L9/3218 , G06Q2220/10
摘要: A process may cause a gated autonomous program protocol to be stored on a blockchain. The gated autonomous program protocol is configured to exchange a blockchain unit with a gated wrapped blockchain unit that is exchangeable among blockchain addresses that satisfy one or more gating requirements. The process may verify that an account associated with a particular blockchain address of the blockchain satisfies the one or more gating requirements. The process may cause an issuance of an on-chain verification proof to the particular blockchain address. The on-chain verification proof may be stored on the blockchain as an on-chain representation that the particular blockchain address is verified with the one or more gating requirements. The gated autonomous program protocol verifies the on-chain verification proof before approving a transaction request associated with the gated wrapped blockchain unit that is initiated by the particular blockchain address.
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公开(公告)号:US12125050B2
公开(公告)日:2024-10-22
申请号:US18235541
申请日:2023-08-18
IPC分类号: G06Q30/00 , G06Q20/40 , G06Q30/018
CPC分类号: G06Q30/0185 , G06Q20/40
摘要: Requests to perform activity with respect to a customer account can be monitored to attempt to detect fraudulent activity due to compromised customer credentials or other unauthorized access. The unauthorized party can request actions such as to create a new account, mount a snapshot of customer data, and exfiltrate the customer data. Various embodiments monitor such requests and permissions granted to accounts not directly owned by a customer, and can apply automatic mitigations for suspicious activity in order to reduce the risk of exposing data to unauthorized accounts. Such an offering determines mitigations to perform, such as to block, alert, rate limit, or terminate the linked or non-linked account based on account reputation. The detection mechanism can use various heuristics to make mitigation decisions, as may consider factors such as account age, geolocation, access history, device fingerprint, network domain, payment type, prior suspicious activity, and the like.
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3.
公开(公告)号:US12125019B2
公开(公告)日:2024-10-22
申请号:US17671050
申请日:2022-02-14
发明人: Yongwan Lee , Inho Kim , Yongseok Park , Seongmin Je
CPC分类号: G06Q20/3224 , G06Q20/3267 , G06Q20/40
摘要: An electronic device is provided. The electronic device includes a communication module, at least one processor, and a memory configured to be operatively coupled to the at least one processor, wherein the memory stores instructions configured to, when executed, cause the at least one processor to identify information on a first country in which the electronic device is located through the communication module, perform payment based on a first authentication method corresponding to the identified information on the first country in response to a first payment application execution request, and change the first authentication method to a second authentication method corresponding to information on a second country in response to detection of a change from the first country to the second country through the communication module.
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公开(公告)号:US20240330920A1
公开(公告)日:2024-10-03
申请号:US18224563
申请日:2023-07-20
申请人: Apple Inc.
发明人: Abde N. FARUQUI
CPC分类号: G06Q20/40 , G06Q20/24 , G06Q20/3821 , G06Q2220/00
摘要: The subject system may be implemented by a processor circuit configured to receive a payment credential request, wherein the payment credential request comprises a requested amount, provision, in response to the payment credential request, a payment credential and a payment account corresponding to the payment credential, wherein the payment account is associated with a balance corresponding to the requested amount, receive, from a merchant system, an authorization request of a transaction for an authorization amount, wherein the authorization request comprises the payment credential and a merchant identifier of the merchant system, authorize the authorization amount when the authorization amount is less than or equal to the requested amount, and when the authorization amount exceeds the requested amount by a threshold amount, authorize the authorization amount based at least in part on the merchant identifier.
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5.
公开(公告)号:US20240311823A1
公开(公告)日:2024-09-19
申请号:US18185510
申请日:2023-03-17
CPC分类号: G06Q20/40 , G06Q20/3821 , G06Q20/425
摘要: Methods, systems, and computer program products are provided for secure content exchange. A secure content exchange platform includes a content exchanger and exchange gateway interface. The content exchanger stores a content item and generates a globally unique identifier (GUID) associated with the content item. The exchange gateway interface receives a registration request for the content item from a sending financial institution system, submits the content item to the content exchanger, receives the GUID associated with the content item from the content exchanger, returns the GUID to the sending financial institution system as a response to the registration request, receives a retrieval request from a recipient financial institution system, retrieves the GUID from the retrieval request to submit the GUID to the content exchanger, receives the content item from the content exchanger, and returns the content item to the recipient financial institution system as a response to the retrieval request.
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公开(公告)号:US20240311784A1
公开(公告)日:2024-09-19
申请号:US18678975
申请日:2024-05-30
IPC分类号: G06Q20/12 , G06Q20/38 , G06Q20/40 , G06Q30/02 , G06Q30/0251
CPC分类号: G06Q20/12 , G06Q20/382 , G06Q20/40 , G06Q30/02 , G06Q30/0253
摘要: A dynamic banner may be displayed in a merchant check out page sourced from a merchant server that may be customized to a particular user and/or merchant. The dynamic banner may be provided by a transaction server and may invite the user to select an offer. In response to the user's interaction with the banner, the characteristics of the merchant check out page may be changed, for example, a product may be discounted, and/or a new transaction account may be issued to the user by the transaction account provider server and used to complete the checkout process. In this manner, the merchant server and the transaction server may interact with a user within a single web page.
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公开(公告)号:US12086804B2
公开(公告)日:2024-09-10
申请号:US18537934
申请日:2023-12-13
申请人: Michael Sasha John
发明人: Michael Sasha John
IPC分类号: G06Q20/40 , G06F21/32 , G06F21/35 , G06F21/60 , G06F21/62 , G06Q20/12 , G06Q20/38 , G06Q20/42 , G06Q30/06 , G06Q30/0601 , G06Q40/00
CPC分类号: G06Q20/40 , G06F21/32 , G06F21/35 , G06F21/606 , G06F21/6263 , G06Q20/123 , G06Q20/382 , G06Q20/4012 , G06Q20/40145 , G06Q20/4016 , G06Q20/405 , G06Q20/409 , G06Q20/425 , G06Q30/06 , G06Q30/0601 , G06Q30/0613 , G06Q40/00
摘要: One or more processors receive a request for a secure digital asset and execute a validation protocol defined for validating the request. The validation protocol may define conditions for fulfilling the request that include one or more conditions related to information about an identified user requesting the request or information indicative of a routing-aspect of the request. The one or more processors attempt to validate the request based on assessment of the conditions specified in the validation protocol. If validation is unsuccessful, the one or more processors instruct the user to undertake one or more multi-factor authentication actions, which may include choices from a plurality of possible multi-factor authentication options and/or certain required multi-factor authentication options, defined by the protocol. The one or more processors validate and fulfil the request responsive to confirming successful undertaking of the one or more multi-factor authentication actions by the user.
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公开(公告)号:US12073398B2
公开(公告)日:2024-08-27
申请号:US17973507
申请日:2022-10-25
申请人: PAYRANGE INC.
发明人: Paresh K. Patel
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 from a mobile payment application executing on the mobile device, 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.
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公开(公告)号:US12073397B2
公开(公告)日:2024-08-27
申请号:US17717811
申请日:2022-04-11
申请人: SAP SE
发明人: Jesper Lind , Suchitra Sundararaman
IPC分类号: G06Q40/00 , G06F18/24 , G06F40/284 , G06N3/02 , G06N3/08 , G06N20/00 , G06Q20/04 , G06Q20/38 , G06Q20/40 , G06Q40/12 , G06T7/00 , G06T7/73 , G06V30/224 , G06V30/413 , G06V30/414 , G06V30/418 , G06F16/2455
CPC分类号: G06Q20/40 , G06F18/24 , G06F40/284 , G06N3/02 , G06N3/08 , G06N20/00 , G06Q20/045 , G06Q20/389 , G06Q20/4016 , G06Q40/12 , G06T7/0002 , G06T7/74 , G06V30/224 , G06V30/413 , G06V30/414 , G06V30/418 , G06F16/24564 , G06T2207/20061 , G06T2207/30176
摘要: The present disclosure involves systems, software, and computer implemented methods for transaction auditing. One example method includes determining valid pixel-based pattern(s) that are included in valid reference images. Fraudulent pixel-based pattern(s) that are included in fraudulent reference images are determined. A request to classify an image is received. A determination is made as to whether pixel values in the image match a valid pixel-based pattern or a fraudulent pixel-based pattern. In response to determining that the pixel values match a valid pixel-based pattern, a likelihood of classifying the first image as a valid image is increased. In response to determining that the pixel values match a fraudulent pixel-based pattern, a likelihood that the image as a fraudulent image is increased. The image is classified in response to the request as either a valid image or a fraudulent image based on the likelihoods.
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公开(公告)号:US12067839B2
公开(公告)日:2024-08-20
申请号:US17985455
申请日:2022-11-11
申请人: Everi Payments Inc.
发明人: Mike LeStrange , Richard Beer , Craig Potts , Tim Richards
IPC分类号: G07F17/32 , A63F3/00 , G06Q20/04 , G06Q20/06 , G06Q20/08 , G06Q20/18 , G06Q20/24 , G06Q20/34 , G06Q20/40 , G06Q50/34 , G07F7/08 , G07F17/42 , G07F19/00
CPC分类号: G07F17/3246 , A63F3/00157 , G06Q20/04 , G06Q20/042 , G06Q20/045 , G06Q20/06 , G06Q20/085 , G06Q20/18 , G06Q20/24 , G06Q20/346 , G06Q20/40 , G06Q50/34 , G07F7/08 , G07F17/3223 , G07F17/3225 , G07F17/3237 , G07F17/3239 , G07F17/3241 , G07F17/3244 , G07F17/3248 , G07F17/3251 , G07F17/3255 , G07F17/3286 , G07F17/42 , G07F19/00 , G07F19/20
摘要: The present invention relates to a system and method for integrating player tracking and cash access in a casino or other gaming environment. One aspect of the invention relates to integrating player tracking and cash access transactions by allowing a player to utilize a player tracking card for each financial transaction conducted in a gaming environment, wherein financial account information for the player, such as bank or credit card information, is linked to their player tracking account and card.
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