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公开(公告)号：US20240338678A1
公开(公告)日：2024-10-10
申请号：US18732832
申请日：2024-06-04
发明人： Jeffrey RULE , Melissa HENG , James ASHFIELD , Colin HART , Rajko ILINCIC , Wayne LUTZ
CPC分类号： G06Q20/354 , G06Q20/352 , G06Q20/4018 , G06Q20/409
摘要： Example embodiments of systems and methods for data transmission between a contactless card, a client device, and one or more servers are provided. The contactless card may include one or more processors and memory. The memory may include one or more applets. The client device may include one or more processors and memory. The client device may be in data communication with the contactless card. One or more servers may be in data communication with the client device. A first set of information may be transmitted from the contactless card to the client device. The first set of information may include one or more links to activate the contactless card. The client device may be configured to receive the first set of information from the contactless card. Upon validation of the first set of information, the contactless card may be activated.
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公开(公告)号：US12045745B2
公开(公告)日：2024-07-23
申请号：US18317014
申请日：2023-05-12
申请人： Expedia, Inc.
IPC分类号： G06Q10/02 , G06Q20/24 , G06Q20/34 , G06Q20/40 , G06Q20/42 , G06Q50/14 , H04L9/32 , G06F16/23
CPC分类号： G06Q10/02 , G06Q20/24 , G06Q20/354 , G06Q20/40145 , G06Q20/4018 , G06Q20/407 , G06Q20/40975 , G06Q50/14 , H04L9/3226 , G06F16/2379 , G06Q20/425 , G06Q2220/00
摘要： A booking management system for secure authentication of payment information and delayed transaction processing is provided. Third-party services partner with booking management systems to aggregate and list offerings of the third-party services in a digestible display on a one-stop platform. A booking management system can manage the authentication of payment card information on behalf of any number of such third-party services. The booking management system may receive a delayed transaction request from one or more such third-party service. The booking management system may provide virtual payment information to the third-party services for delayed transactions. The third-party services may later initiate the delayed transactions using the virtual payment information, without being required to perform authentication processing on the payment card information maintained by the booking management system.
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公开(公告)号：US20240211906A1
公开(公告)日：2024-06-27
申请号：US18086836
申请日：2022-12-22
发明人： Allison Fenichel , Amanda Sneider
CPC分类号： G06Q20/102 , G06N20/00 , G06Q20/389 , G06Q20/4018 , G06Q20/405 , G06Q20/407
摘要： Systems, methods, and apparatuses for automatically detecting and authorizing recurring transactions are described. Transaction data comprising transaction details for an incoming charge associated with a merchant may be received. Based on the merchant being included in a blocked merchants list, determining that authorization of incoming charges for preauthorized recurring transactions associated with the merchant are blocked. Based on a machine learning model and the transaction data, a probability that the incoming charge for the merchant is a preauthorized recurring transaction may be determined. The machine learning model may be configured to identify preauthorized recurring transactions based on the transaction data. Furthermore, based on the probability not exceeding a threshold probability, the authorization of the incoming charge may be prevented from being blocked.
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公开(公告)号：US12014357B2
公开(公告)日：2024-06-18
申请号：US17398724
申请日：2021-08-10
发明人： Jeffrey Rule , Wayne Lutz , Paul Moreton
CPC分类号： G06Q20/3567 , G06Q20/352 , G06Q20/363 , G06Q20/4018
摘要： Various embodiments are generally directed to autofilling card data from a contactless card to a form of a computing device. An application may determine that a payment field of a form has received focus. The application may then receive encrypted data from a communications interface of a contactless card associated with an account. The application may then receive, from a server, verification of the encrypted data. The application may then receive, from the server, an encrypted account number associated with the account, and decrypt the encrypted account number to yield the account number. An autofill service of an operating system (OS) executing on the processor circuit, may then autofill the account number to the payment field of the form.
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公开(公告)号：US12014353B2
公开(公告)日：2024-06-18
申请号：US17719191
申请日：2022-04-12
发明人： Jeffrey Rule , Melissa Heng , James Ashfield , Colin Hart , Rajko Ilincic , Wayne Lutz
CPC分类号： G06Q20/354 , G06Q20/352 , G06Q20/4018 , G06Q20/409
摘要： Example embodiments of systems and methods for data transmission between a contactless card, a client device, and one or more servers are provided. The contactless card may include one or more processors and memory. The memory may include one or more applets. The client device may include one or more processors and memory. The client device may be in data communication with the contactless card. One or more servers may be in data communication with the client device. A first set of information may be transmitted from the contactless card to the client device. The first set of information may include one or more links to activate the contactless card. The client device may be configured to receive the first set of information from the contactless card. Upon validation of the first set of information, the contactless card may be activated.
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公开(公告)号：US20240086893A1
公开(公告)日：2024-03-14
申请号：US17944886
申请日：2022-09-14
申请人： MK GROUP JSC
发明人： Khang Trong NGUYEN
CPC分类号： G06Q20/341 , G06Q20/4018 , H04L9/3213 , G06Q2220/00 , H04L2209/56
摘要： A method for tokenization of information associated with a payment card includes: transmitting a registration request including a primary account number (PAN) of the payment card to a server; sending, by the server, a request for a secure element (SE) package that includes a payment token and a payment-token-key to an issuer server, the payment token being a surrogate value of the PAN; and in response to receipt of the SE package from the issuer server, transmitting the SE package to an electronic card to be stored therein.
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公开(公告)号：US20240070677A1
公开(公告)日：2024-02-29
申请号：US17986253
申请日：2022-11-14
CPC分类号： G06Q20/405 , G06Q20/4037 , G06Q40/02 , G06Q20/4018 , G06Q30/0185
摘要： Disclosed are various embodiments for using aggregated transaction accounts to make purchases. A transaction authorization request for a transaction is received from a merchant device, the transaction authorization request comprising an aggregated transaction account identifier, a transaction amount, and a merchant identifier. Multiple linked transaction accounts associated with an aggregated transaction account identified by the aggregated transaction account identifier are then identified or selected. At least a portion of the transaction amount is debited from each of the multiple linked transaction accounts. Then, an authorization response is sent to the merchant device, the authorization response indicating that the transaction is authorized for the transaction amount.
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公开(公告)号：US20230360056A1
公开(公告)日：2023-11-09
申请号：US18224668
申请日：2023-07-21
发明人： Jeffrey RULE , Colin HART
IPC分类号： G06Q20/40 , G06Q20/32 , G06F3/0481 , G06K7/10 , G06Q20/34 , G06Q40/02 , H04B5/00 , H04W12/06
CPC分类号： G06Q20/409 , G06Q20/326 , G06F3/0481 , G06K7/10297 , G06Q20/3278 , G06Q20/352 , G06Q20/4018 , G06Q40/02 , H04B5/0031 , H04W12/06
摘要： Systems, methods, and computer-readable media for providing accurate images of cards. An application executing on a mobile device may receive authentication credentials for an account, determine a card associated with the account, and determine a card manufacturer identifier (CMID) of the card. The application may receive, from a digital asset management system based on the CMID, a plurality of metadata attributes of the card and one or more images of the card. The application may determine, based on the metadata attributes and attributes of the mobile device, a first orientation of the card to enable near-field communication (NFC) data transfer between the card and the mobile device. The application may select a first image of the card. The application may generate a graphical user interface (GUI) including the first image and an indication specifying to tap the card to the mobile device according to the first orientation.
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公开(公告)号：US20230281522A1
公开(公告)日：2023-09-07
申请号：US18317014
申请日：2023-05-12
申请人： Expedia, Inc.
CPC分类号： G06Q10/02 , G06Q20/40975 , G06Q20/4018 , G06Q20/407 , G06Q20/354 , G06Q20/24 , G06Q50/14 , H04L9/3226 , G06Q20/40145 , G06Q20/425
摘要： A booking management system for secure authentication of payment information and delayed transaction processing is provided. Third-party services partner with booking management systems to aggregate and list offerings of the third-party services in a digestible display on a one-stop platform. A booking management system can manage the authentication of payment card information on behalf of any number of such third-party services. The booking management system may receive a delayed transaction request from one or more such third-party service. The booking management system may provide virtual payment information to the third-party services for delayed transactions. The third-party services may later initiate the delayed transactions using the virtual payment information, without being required to perform authentication processing on the payment card information maintained by the booking management system.
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公开(公告)号：US11720893B2
公开(公告)日：2023-08-08
申请号：US17349708
申请日：2021-06-16
IPC分类号： G06Q20/38 , G06K7/14 , G06Q20/32 , G06Q20/40 , G06Q30/0251
CPC分类号： G06Q20/385 , G06K7/1417 , G06Q20/3276 , G06Q20/4018 , G06Q20/382 , G06Q20/3821 , G06Q20/401 , G06Q30/0253
摘要： Embodiments of the present invention relate to systems and methods that allow users to use their communication devices to perform transactions (e.g., payment transactions, access transactions, etc.). To complete a transaction, a resource provider electronically generates a code representing transaction data and displays it on an access device. The user scans the code with his or her communication device using a camera associated with the communication device, for example. The code is interpreted by an application on the communication device. The user may request and receive a token at the communication device corresponding to sensitive information selected to perform the transaction (e.g., a primary account number). The user may then provide the token and the transaction data via the communication device to a server computer, which may facilitate completion of the transaction between the user and the resource provider using the transaction data and the token.
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