公开(公告)号：US12237995B1

公开(公告)日：2025-02-25

申请号：US18733519

申请日：2024-06-04

Applicant: Tassat Group Inc.

Inventor： Ralph Rodriguez

IPC: H04L45/00 ,  G06Q20/02

Abstract: Systems and methods of the present disclosure include steps for automated modifications to network routing data in electronic communications. The steps include receiving an electronic request message having a routing code field with routing code field content defining a portion of a routing path, and a destination code field with destination code field content defining a destination of the electronic request message. The steps include determining that the destination code field content conforms to a first network protocol. The steps further include accessing a dynamic route map and determining a second network protocol destination code of a second network protocol associated with the destination based on the dynamic route map and the first network protocol destination code. The steps further include modifying the routing code field content to include the second network protocol destination code and routing the electronic request message according to the second network protocol destination code.

公开(公告)号：US12236447B2

公开(公告)日：2025-02-25

申请号：US17064503

申请日：2020-10-06

Applicant: Dynamics Inc.

Inventor： Jeffrey D. Mullen ,  Keith Huthmacher

IPC: G06Q30/00 ,  G06F9/54 ,  G06K7/08 ,  G06K7/10 ,  G06K19/07 ,  G06K19/077 ,  G06Q20/02 ,  G06Q20/20 ,  G06Q20/34 ,  G06Q20/36 ,  G06Q20/40 ,  G06Q30/0226 ,  H04L9/08 ,  G06K19/06 ,  G06Q20/32 ,  G06Q30/018 ,  G06Q30/0207 ,  G06Q40/02

Abstract: A system may include a payment card that includes one or more chips that are operable to utilize information in a payment transaction to enact different functions. For example, a payment applet in a contact chip transaction (e.g., contact EMV transaction) or contactless chip transaction (e.g., contactless EMV transaction) may utilize information that flows through the chip (e.g., country, time, date, transaction amount, approval status) to trigger pre-stored messages or functions (e.g., switch to a payment option or account). Information may be introduced into the chip during a transaction as a result of manual input from the cardholder on the cardholder's phone or other device. Thus, transaction scripting (e.g., EMV scripting) may be utilized to let a card (e.g., static or powered) know that a function (e.g., change of account) is desired by a cardholder and the chip may, if not in the proper account, reset and restart the chip in a mode associated with the desired function (e.g., in the desired account).

公开(公告)号：US12236417B2

公开(公告)日：2025-02-25

申请号：US17833524

申请日：2022-06-06

Applicant: ROYAL BANK OF CANADA

Inventor： Edison U. Ortiz ,  Arnold Badal-Badalian ,  Ambica Pawan Khandavilli ,  Rasha Khayat ,  Iustina-Miruna Vintila ,  Nikhil Singh Shekhawat

IPC: G06Q20/36 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q30/0226 ,  G06Q40/03

Abstract: Systems, methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions. Aspects of such methods, systems, and data structures include providing at an electronic device, an output indicating that a dynamically-configured electronic token is in a transaction-ready state, where the dynamically-configured electronic token is associated with a plurality of loyalty accounts; in response to one or more signals providing information regarding a location of the electronic device, obtaining token data associated with a loyalty account of the plurality of loyalty accounts corresponding to the location of the electronic device; and via a data communication interface, route a token, generated from the token data, for processing at a transaction processing system.

公开(公告)号：US12236405B1

公开(公告)日：2025-02-25

申请号：US17385617

申请日：2021-07-26

Applicant: Wells Fargo Bank, N.A.

Inventor： Eileen Johnstone ,  Michael Knorr ,  Thomas R. Miller ,  Catherine Wangari Mwangi ,  Mercedes Roldan-Colon ,  Jessica A. Weng

IPC: G06Q20/08 ,  G06Q20/02 ,  G06Q20/28

Abstract: Systems, methods, and apparatuses for real-time trickle payments are provided. A system includes a processing circuit configured to: receive a request from a consumer device to commission a service provided by a supplier; place a financial hold on funds allocated to a supplier financial account based on performance terms of a smart contract; detect initiation of performance of the requested service based on performance information from a mobile device associated with the supplier and correlating the performance information to the smart contract; increase a financial hold on funds allocated to a consumer financial account in a hold amount proportional to the monitored performance, and decrease the financial hold on the funds allocated to the supplier financial account in the hold amount proportional to the monitored performance; and, upon the completion of the requested service, release the funds on hold in the supplier financial account.

公开(公告)号：US20250061448A1

公开(公告)日：2025-02-20

申请号：US18451296

申请日：2023-08-17

Applicant: The Toronto-Dominion Bank

Inventor： Milos DUNJIC ,  David Samuel TAX ,  Jonathan Joseph PRENDERGAST ,  Hitesh BAJAJ ,  Kenneth Tien Poh WONG

IPC: G06Q20/38 ,  G06Q20/02 ,  G06Q20/20 ,  G06Q20/40

Abstract: Systems and methods for mitigating transaction delay risk are provided. A system may receive transaction data, including at least a transaction amount, associated with a transaction. The system may then obtain transfer credentials associated with a value transfer card, send a request for a pre-authorization hold of the transaction amount using the transfer credentials, and initiate a timer. The system may then monitor a blockchain address for receipt of cryptocurrency associated with the transaction. When the cryptocurrency is received prior to an expiration of a time period associated with the timer, the system may release at least a portion of the pre-authorization hold. When the cryptocurrency is not received prior to an expiration of a time period associated with the timer, the system may settle the pre-authorization hold.

公开(公告)号：US20250061431A1

公开(公告)日：2025-02-20

申请号：US18792746

申请日：2024-08-02

Applicant: AMADEUS S.A.S.

Inventor： Mourad BOUDIA ,  Nicolas HAUVILLER ,  Rodolphe TEXIER ,  Bilel BEN ROMDHANNE ,  Fatih DONMEZ

IPC: G06Q20/06 ,  G06Q20/02

Abstract: A device, system and method for controlling memory usage associated with an intermediation engine for a virtual platform is provided. The engine determines that, within the platform, an exchange has occurred of a first data record for a first amount of a first electronic currency associated with the platform, the first data record associated with a computing device external to the platform. The engine: exchanges the first amount for a second data record associated with the platform; maintains, at a first memory, an indication of the second data record; exchanges, external to the platform, the indication of the second data record for a second amount of a second electronic currency used external to the platform; transfers, external to the platform, a portion of the second amount to a second memory associated with the computing device; and clears the first memory of the second data record indication.

公开(公告)号：US12223516B2

公开(公告)日：2025-02-11

申请号：US16804725

申请日：2020-02-28

Applicant: Mastercard Technologies Canada ULC

Inventor： John Hearty ,  Anton Laptiev ,  Hanhan Wu ,  Carrie Ka Lai Cheung ,  Igor Opushnyev ,  Sik Suen Chan ,  Parin Prashant Shah

IPC: G06Q30/018 ,  G06F11/30 ,  G06F11/34 ,  G06F21/31 ,  G06F21/55 ,  G06Q10/10 ,  G06Q20/02 ,  G06Q20/40 ,  G06Q40/03 ,  G06Q50/26 ,  H04L9/40 ,  H04L67/50

Abstract: A fraud prevention system that includes a fraud prevention server including an electronic processor and a memory. The memory includes an online application origination (OAO) service. When executing the OAO service, the electronic processor is configured to determine whether the OAO service is enabled and whether a website configuration includes a list of multi-page placements for an online application, determine that input data needs to be stored in the memory and combined into multi-page input data, determine a fraud risk score of the online application based on the multi-page input data and an online application origination (OAO) model that differentiates between a behavior of a normal user and a behavior of a nefarious actor during a submission of the online application on a device, and control a client server to approve, hold, or deny the online application based on the fraud risk score that is determined.

公开(公告)号：US12223476B2

公开(公告)日：2025-02-11

申请号：US18536954

申请日：2023-12-12

Applicant: First Data Corporation

Inventor： Vijay Royyuru ,  Sridher Swaminathan

IPC: G06Q20/10 ,  G06Q20/02 ,  G06Q20/36

Abstract: Described herein are techniques for facilitating push provisioning of a user payment source into a user's digital wallet without the user having a physical card. The techniques allow an issuer to provide a button in an issuer's application for the user to simply push the button to request that the payment source be imported into a pay wallet or a merchant. In this way, the payment source information is “pushed” into the pay wallet. Using push provisioning, the user need not enter any physical card information. The described techniques generate a chain of trust that can be used to ensure that a user, through an issuer and using a gateway, authorizes a token service provider to provision the payment source into the pay wallet or merchant.

公开(公告)号：US20250045780A1

公开(公告)日：2025-02-06

申请号：US18371096

申请日：2023-09-21

Applicant: Cognizant Technology Solutions India Pvt. Ltd.

Inventor： Prakhar CHAUDHARY ,  Robert RAJASEKAR FRANKLIN MERLIN ,  Romeel SEDANI ,  Susmita BARUAH ,  Babu CHINNIAH LAKSHMANAN ,  Srinivasan RENGACHARI

IPC: G06Q30/0201 ,  G06Q20/02 ,  G06Q50/06

Abstract: A system and method for developing unified digital platform based virtual power banks is provided. A second data type is derived by analyzing record types. The record types are obtained from the first data type received from multiple sources. Virtual power banks are generated by employing the first and second data types fetched from database. Dynamic actionable items relating to the virtual power banks are generated from the first data type and the second data type. One or more variables are identified that correspond to different types of dynamic actionable items for categorizing the dynamic actionable items based on the identified variables. Lastly, optimization operations are performed on values of each of the identified variables to obtain an optimized final weightage value of the virtual power banks, accessed via a unified digital platform, based on which one or more operational parameters associated with the virtual power banks are determined.

公开(公告)号：US20250045767A1

公开(公告)日：2025-02-06

申请号：US18362448

申请日：2023-07-31

Applicant: Hint, Inc.

Inventor： Muthanna Nischal Ammatanda ,  Ram Prasad Gotru ,  Rhys Andersson Lee Chiu

IPC: G06Q20/40 ,  G06N5/022 ,  G06Q20/02 ,  G06Q20/20 ,  G16H40/20

Abstract: A payment processing system can detect an attempted re-initiation of a payment transaction for the same purchase of an item or service. In some examples, the system compares initial transaction data against re-initiated transaction data to identify the attempted duplicated payment. Based on the identified attempted duplicated payment, initiating a payment deduplication phase by generating a potential payment duplication alert for presentation at the POS terminal device and/or in the user interface of a mobile device.