公开(公告)号：US12131304B1

公开(公告)日：2024-10-29

申请号：US17367844

申请日：2021-07-06

申请人： The PNC Financial Services Group, Inc.

发明人： Urich T. Bowers ,  Mecal McDade ,  Todd Tkach ,  Jeremy Moore ,  Fernando Alfaro ,  Robert Haberstroh

IPC分类号： G06Q20/10 ,  G06N20/00 ,  G06Q20/02 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q30/018 ,  G06Q30/0283 ,  G06Q40/02 ,  G06Q50/00

CPC分类号： G06Q20/108 ,  G06N20/00 ,  G06Q20/3221 ,  G06Q20/3223 ,  G06Q20/4037 ,  G06Q20/405 ,  G06Q30/0283 ,  G06Q40/02 ,  G06Q20/023 ,  G06Q30/0185 ,  G06Q50/01

摘要： A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.

公开(公告)号：US12093912B2

公开(公告)日：2024-09-17

申请号：US17359177

申请日：2021-06-25

申请人： CANON KABUSHIKI KAISHA

发明人： Akihiro Hamana

IPC分类号： G06Q20/20 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q30/02 ,  G06Q30/0601 ,  G06V20/52

CPC分类号： G06Q20/201 ,  G06Q20/204 ,  G06Q20/4037 ,  G06Q30/0281 ,  G06Q30/0631 ,  G06V20/52 ,  G06Q20/322

摘要： An apparatus acquires balance information indicating the balance of electronic money from a storage apparatus possessed by a user, and determines the total price of products picked up by the user using an image captured by an image capturing unit configured to capture an image in a store. In a case where the determined total price exceeds the balance, the apparatus outputs information notifying the user that the total price exceeds the balance.

公开(公告)号：US12079784B2

公开(公告)日：2024-09-03

申请号：US17832542

申请日：2022-06-03

申请人： TraDove, Inc.

发明人： Jun Yan

IPC分类号： G06Q20/00 ,  G06Q20/06 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q20/40 ,  H04L9/06 ,  H04L9/00

CPC分类号： G06Q20/065 ,  G06Q20/36 ,  G06Q20/363 ,  G06Q20/385 ,  G06Q20/401 ,  G06Q20/4037 ,  H04L9/0637 ,  G06Q2220/00 ,  H04L9/50 ,  H04L2209/56

摘要： Systems and methods are provided for processing credit token and debit token based transactions in a blockchain supported network.

公开(公告)号：US20240281819A1

公开(公告)日：2024-08-22

申请号：US18111668

申请日：2023-02-20

申请人： Affirm, Inc.

发明人： Johan Backman ,  Ned Jackson lovely ,  Laurence Duggan

IPC分类号： G06Q20/40 ,  G06Q40/03

CPC分类号： G06Q20/4037 ,  G06Q40/03

摘要： A method for facilitating minimization of insufficient funds returns for ACH transfers associated with transactions may include receiving an account status associated with a bank account of a customer having a value card associated with financial transactions from the bank account, receiving status update information including account transaction data and/or user profile information associated the bank account of the customer, modifying the account status to determine an estimated account balance for the bank account based on the status update information, receiving an indication of a financial transaction involving the value card between the customer and a merchant and for which an ACH request is to be issued with respect to the bank account, employing responsive to the indication of the financial transaction a scoring algorithm based on the estimated account balance and an amount of the financial transaction to determine a success score indicative of a likelihood of avoiding an insufficient funds return for the ACH request, and determining based on the success score whether to approve the financial transaction.

公开(公告)号：US12062038B2

公开(公告)日：2024-08-13

申请号：US17893088

申请日：2022-08-22

申请人： Block, Inc.

发明人： Nathan P. McCauley ,  Yun Chi ,  Rong Yan

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

CPC分类号： G06Q20/367 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/3223 ,  G06Q20/3267 ,  G06Q20/3274 ,  G06Q20/3276 ,  G06Q20/3278 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q20/4037 ,  G06Q20/383

摘要： Technology is disclosed for transferring money anonymously between a sender and a recipient by use of a one-time use token. The method includes generating a one-time use token account for association with a one-time use token. The method includes generating the token and providing the token to the sender device in a machine-readable and transferable format. The method includes receiving a request to charge the one-time use token account after the token has been provided to the recipient device as a form of payment for a transaction. The method includes determining that an amount of the transaction is less than an amount of funds associated with the token and that the time of the transaction is within a time period for the use of the token. The method includes facilitating a transfer to the recipient account and deducting the amount of the transaction from a sender account.

公开(公告)号：US20240242569A1

公开(公告)日：2024-07-18

申请号：US18618297

申请日：2024-03-27

申请人： Luke Millanta

发明人： Luke Millanta

IPC分类号： G07F17/32 ,  G06F13/16 ,  G06Q20/06 ,  G06Q20/08 ,  G06Q20/12 ,  G06Q20/18 ,  G06Q20/40 ,  G07F17/34

CPC分类号： G07F17/3248 ,  G06F13/1668 ,  G06Q20/065 ,  G06Q20/085 ,  G06Q20/127 ,  G06Q20/18 ,  G06Q20/4037 ,  G07F17/3213 ,  G07F17/3227 ,  G07F17/3241 ,  G07F17/34

摘要： There is disclosed a gaming machine. The gaming machine includes an electronic arrangement configured to receive digital currency data from an electronic device that is remote to the gaming machine. The digital currency data represents a store of value of a digital currency. The gaming machine further includes a data transfer arrangement configured to transfer the digital currency data via a data network to a data storage arrangement that is remote to the gaming machine. The gaming machine further includes a data recording arrangement configured to create record data representing a record of a unique attribute of the digital currency data.

公开(公告)号：US12020223B1

公开(公告)日：2024-06-25

申请号：US17354757

申请日：2021-06-22

申请人： The PNC Financial Services Group, Inc.

发明人： Urich T. Bowers ,  Mecal McDade ,  Todd Tkach ,  Mike Ley ,  Jerry Scheller ,  Mike Kirch ,  Eric Romantino

IPC分类号： G06Q20/10 ,  G06N20/00 ,  G06Q20/02 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q30/018 ,  G06Q30/0283 ,  G06Q40/02 ,  G06Q50/00

CPC分类号： G06Q20/108 ,  G06N20/00 ,  G06Q20/3221 ,  G06Q20/3223 ,  G06Q20/4037 ,  G06Q20/405 ,  G06Q30/0283 ,  G06Q40/02 ,  G06Q20/023 ,  G06Q30/0185 ,  G06Q50/01

摘要： A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode: presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.

公开(公告)号：US12014339B1

公开(公告)日：2024-06-18

申请号：US17164612

申请日：2021-02-01

申请人： The PNC Financial Services Group, Inc.

发明人： Urich T. Bowers ,  Mecal McDade ,  Todd Tkach ,  Jerry Scheller ,  Mike Kirch ,  Eric Romantino

IPC分类号： G06Q20/10 ,  G06N20/00 ,  G06Q20/02 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q30/018 ,  G06Q30/0283 ,  G06Q40/02 ,  G06Q50/00

CPC分类号： G06Q20/108 ,  G06N20/00 ,  G06Q20/3221 ,  G06Q20/3223 ,  G06Q20/4037 ,  G06Q20/405 ,  G06Q30/0283 ,  G06Q40/02 ,  G06Q20/023 ,  G06Q30/0185 ,  G06Q50/01

摘要： A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.

公开(公告)号：US11935089B2

公开(公告)日：2024-03-19

申请号：US18128326

申请日：2023-03-30

申请人： Blackhawk Network, Inc.

发明人： Rodney Mason ,  Jason Schwomeyer

IPC分类号： G06Q30/00 ,  G06Q20/20 ,  G06Q20/22 ,  G06Q20/34 ,  G06Q20/40 ,  G06Q30/02 ,  G06Q30/0207 ,  G06Q30/0226 ,  G06Q30/0234 ,  G06Q30/0251 ,  G06Q30/0601 ,  G06Q50/00

CPC分类号： G06Q30/0233 ,  G06Q20/202 ,  G06Q20/227 ,  G06Q20/342 ,  G06Q20/4037 ,  G06Q30/02 ,  G06Q30/0215 ,  G06Q30/0222 ,  G06Q30/0229 ,  G06Q30/0234 ,  G06Q30/0251 ,  G06Q30/0255 ,  G06Q30/0269 ,  G06Q30/0621 ,  G06Q50/01

摘要： Systems and methods are described for providing an enhanced rebate and marketing program which may automatically enroll a consumer in a loyalty programs after the consumer completes rebate form; filter consumer information to provide to customer relationship management campaigns; capture real-time consumer responses to queries; provide real-time and dynamic, targeted offers and other communications to consumers and recipients; and provide bonus added value to consumer received rebates.

公开(公告)号：US11928655B1

公开(公告)日：2024-03-12

申请号：US17087743

申请日：2020-11-03

申请人： The PNC Financial Services Group, Inc.

发明人： Urich T. Bowers ,  Mike Kirch ,  Eric Romantino

IPC分类号： G06Q20/10 ,  G06N20/00 ,  G06Q20/02 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q30/018 ,  G06Q30/0283 ,  G06Q40/02 ,  G06Q50/00

CPC分类号： G06Q20/108 ,  G06N20/00 ,  G06Q20/3221 ,  G06Q20/3223 ,  G06Q20/4037 ,  G06Q20/405 ,  G06Q30/0283 ,  G06Q40/02 ,  G06Q20/023 ,  G06Q30/0185 ,  G06Q50/01

摘要： A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.