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    SYSTEM AND METHOD FOR STAGING MONEY TRANSFERS BETWEEN USERS HAVING PROFILES
    2.
    发明公开
    SYSTEM AND METHOD FOR STAGING MONEY TRANSFERS BETWEEN USERS HAVING PROFILES 审中-公开

    公开(公告)号：US20240362597A1

    公开(公告)日：2024-10-31

    申请号：US18660441

    申请日：2024-05-10

    申请人： MoneyGram International, Inc.

    发明人： Thomas Christophersen ,  Terry Wallace ,  Connie Jacobson ,  Renee Rusnak

    IPC分类号： G06Q20/10 ,  G06Q20/02

    CPC分类号： G06Q20/10 ,  G06Q20/02

    摘要： Various embodiments concern facilitating a money transfer by creating a first profile for a first user and a second profile for a second user. The first user can select the second profile from a plurality of profiles. The first user can enter a value designation for the transfer of money from the first user to the second user. A computing system can then stage the transfer of money based on previously saved profile information for the first user and the second user. The profile information can be used to set a plurality of terms of the money transfer without requiring either of the first user or the second user to reenter this information or otherwise affirmatively set the plurality of terms of the money transfer.

    BRIDGING NETWORK TRANSACTION PLATFORMS TO UNIFY CROSS-PLATFORM TRANSFERS
    3.
    发明公开
    BRIDGING NETWORK TRANSACTION PLATFORMS TO UNIFY CROSS-PLATFORM TRANSFERS 审中-公开

    公开(公告)号：US20240362596A1

    公开(公告)日：2024-10-31

    申请号：US18642258

    申请日：2024-04-22

    申请人： Chime Financial, Inc.

    发明人： Richard Vorp ,  Geetha Premraj ,  Michael Ducker ,  Priyanka Seth ,  Praveen Jain ,  Fletcher Fowler

    IPC分类号： G06Q20/02 ,  G06Q20/10

    CPC分类号： G06Q20/027 ,  G06Q20/108

    摘要： The disclosure describes embodiments of systems, methods, and non-transitory computer readable storage media that enable network transactions between user accounts belonging to different network transaction platforms and unify user account modifications across user accounts on different network transaction platforms. For instance, the disclosed systems can cause two or more network transaction platforms to transmit and/or receive transactional values from one or more intermediary holding accounts upon receiving network transaction requests between user accounts belonging to the two or more network transaction platforms. In addition, the disclosed system can unify user account data on different network transaction platforms by modifying or updating the user account data (e.g., user attributes) by propagating schematized data messages to the one or more other network transaction platforms with instructions to modify or update the user attributes on other user accounts related to the user account.

    Secure cross-blockchain asset movement using photonic quantum computing
    4.
    发明授权
    Secure cross-blockchain asset movement using photonic quantum computing 有权

    公开(公告)号：US12131329B2

    公开(公告)日：2024-10-29

    申请号：US18124063

    申请日：2023-03-21

    申请人： Bank of America Corporation

    发明人： Shailendra Singh

    IPC分类号： G06Q20/40 ,  G06Q20/02 ,  G06Q20/38 ,  G06N10/00 ,  G06N20/00

    CPC分类号： G06Q20/4016 ,  G06Q20/02 ,  G06Q20/389 ,  G06N10/00 ,  G06N20/00

    摘要： Systems and methods for securing a cryptocurrency asset transfer via a cross-blockchain bridge. Methods may include detecting a request to transfer the asset between blockchains and extracting a set of features such as smart contract bytecode from event logs associated with the blockchains and a blockchain bridge. Methods may include using a photonic quantum processor to use i) a long short-term neural network and ii) a neural network to generate machine learning models based on the extracted features to output i) a security risk threshold and ii) a security risk percentage, respectively. When the security risk percentage is below the security risk threshold, the method may permit the execution of a smart contract to allow transfer of the cryptocurrency asset over the blockchain bridge. When the security risk percentage is above the security risk threshold, the method may involve blocking an execution of a smart contract on the blockchain bridge.

    Peer-to-peer payment systems and methods
    8.
    发明授权
    Peer-to-peer payment systems and methods 有权

    公开(公告)号：US12125016B2

    公开(公告)日：2024-10-22

    申请号：US17102276

    申请日：2020-11-23

    申请人： Capital One Services, LLC

    发明人： Kyrylo Oliynyk

    IPC分类号： G06Q20/10 ,  G06Q20/02 ,  G06Q20/22 ,  G06Q20/32 ,  G06Q20/40 ,  G06N3/04

    CPC分类号： G06Q20/223 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/322 ,  G06Q20/325 ,  G06Q20/3255 ,  G06Q20/4014 ,  G06N3/04

    摘要： A method including: receiving, from a sender, a group message directed toward the transfer facilitator and a recipient; identifying the sender and a payment account associated with the sender; parsing the group message to identify contact information for the recipient and instructions for a transfer request; contacting, using a private message and the parsed contact information, the recipient with instructions for receiving a payment from the sender; receiving, from the recipient, payment reception information including at least one of the recipient account or a payment method; and initiating, in accordance with the instructions for the transfer request, a fund transfer from the sender to the recipient from the identified payment account associated with the sender and the received payment reception information.

    SYSTEM AND COMPUTER IMPLEMENTED METHOD FOR FACILITATING THE TRANSACTION AND SETTLEMENT OF A FINANCIAL INSTRUMENT
    9.
    发明公开
    SYSTEM AND COMPUTER IMPLEMENTED METHOD FOR FACILITATING THE TRANSACTION AND SETTLEMENT OF A FINANCIAL INSTRUMENT 审中-公开

    公开(公告)号：US20240338765A1

    公开(公告)日：2024-10-10

    申请号：US18748908

    申请日：2024-06-20

    申请人： AUSTRALIAN BOND EXCHANGE HOLDINGS LIMITED

    发明人： Bradley Ronald McCosker ,  Michael Vanderdonk

    IPC分类号： G06Q40/04 ,  G06Q20/02 ,  G06Q20/40

    CPC分类号： G06Q40/04 ,  G06Q20/02 ,  G06Q20/4014

    摘要： A computer system for facilitating instantaneous settlement of a financial transaction by a central counterparty system. A validation module validates a client order prior to trade. For a buy order, the validation module is configured to: (a) automatically query one or more trusted data repositories for:—retrieving account data for a nominated funds account;—retrieving meta data associated with the client and/or trade, the meta data including at least one of (i) historical client trading data; and (ii) current market data; (b) implement one or more predictive algorithms to determine a likelihood of settlement for the buy order, utilising the retrieved data. Following validation of the order, implementing an order fulfilment module configured to place the order in a queue responsive to determining that the likelihood of settlement meets or exceeds a predefined threshold.

    PayBlox: Payment Processor/Payment Solution and Merchants Matching Platform
    10.
    发明公开
    PayBlox: Payment Processor/Payment Solution and Merchants Matching Platform 审中-公开

    公开(公告)号：US20240330875A1

    公开(公告)日：2024-10-03

    申请号：US18621975

    申请日：2024-03-29

    申请人： 33 Operations, Inc.

    发明人： Brett Husak

    IPC分类号： G06Q20/02

    CPC分类号： G06Q20/02

    摘要： A marketplace tool and platform to connect payment processor/payment solutions, payment solutions and merchants via a matching system which utilizes a combination of algorithms and machine learning tools to align the merchants looking for new payment processor/payment solutions and the payment processor/payment solutions looking for merchants.