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公开(公告)号：US20250071151A1
公开(公告)日：2025-02-27
申请号：US18946594
申请日：2024-11-13
Applicant: Headwater Research LLC
Inventor： Gregory G. Raleigh
IPC: H04L9/40 , G06F15/177 , G06Q10/0631 , G06Q10/0637 , G06Q20/10 , G06Q20/20 , G06Q20/40 , G06Q30/0207 , G06Q30/0241 , G06Q30/0283 , G06Q30/04 , G06Q30/0601 , G06Q40/00 , G06Q40/12 , H04L9/32 , H04L12/14 , H04L41/08 , H04L41/0806 , H04L41/0893 , H04L41/5003 , H04L41/5025 , H04L41/5054 , H04L47/20 , H04L47/2408 , H04L51/046 , H04L67/00 , H04L67/145 , H04L67/306 , H04L67/55 , H04L67/564 , H04L67/63 , H04M15/00 , H04W4/02 , H04W4/12 , H04W4/18 , H04W4/20 , H04W4/24 , H04W4/50 , H04W8/02 , H04W8/18 , H04W8/20 , H04W12/00 , H04W12/02 , H04W12/037 , H04W12/06 , H04W12/08 , H04W24/08 , H04W28/02 , H04W28/12 , H04W48/14 , H04W48/16 , H04W72/0453 , H04W84/04 , H04W84/12 , H04W88/06 , H04W88/08
Abstract: Various embodiments are disclosed for a services policy communication system and method. In some embodiments, a communications device stores a set of device credentials for activating the communications device for a service on a network; and sends an access request to the network, the access request including the set of device credentials.
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公开(公告)号：US20250069051A1
公开(公告)日：2025-02-27
申请号：US18946218
申请日：2024-11-13
Applicant: Alterna Card Services, Inc.
Inventor： Madeleine Tapia , Joseph Seroussi
IPC: G06Q20/10
Abstract: Methods and systems for personal, trans-border transfer processes, also referred to as “Card to Card” transfers, that enable individuals who are customers of a financial program in Sender Country A to establish a direct link with the accounts of individuals in Recipient Country B for instant fund transfers, funds sharing or international bill payment.
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公开(公告)号：US20250069049A1
公开(公告)日：2025-02-27
申请号：US18238362
申请日：2023-08-25
Applicant: Wells Fargo Bank, N.A.
Inventor： Ashish B. Kurani , Alan W. Hecht , Muhammad Farukh Munir , Darius A. Miranda , Benjamin Taylor , Traci Nguyen , Kourtney Eidam , Wairnola Marria Rhodriquez
IPC: G06Q20/10
Abstract: Systems and methods for providing notifications regarding a shared account may include a computing system which receives a request to form a shared account. The computing system may generate the shared account and a corresponding first model, transmit one or more messages, generate links between accounts and the shared account and second model(s) corresponding to second member(s). The computing system may receive a first input indicating a selection to initiate an inbound transfer, transmit a notification according to the first and second model(s), and receive a second input indicating a selection to initiate a matching inbound transfer.
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公开(公告)号：US12235979B2
公开(公告)日：2025-02-25
申请号：US18411495
申请日：2024-01-12
Inventor： Melinda Teresa Magerkurth , Eric Bellas , Jaime Skaggs , Shawn M. Call , Eric R. Moore , Vicki King , Burton J. Floyd , David Turrentine , Steven T. Olson , Timothy Caleb Wells , Corin Rebekah Chapman , Edward W. Breitweiser , Robert Gomez , Shelia Cummings Smith
IPC: G06F21/62 , G06F21/60 , G06Q20/10 , G06Q20/38 , G06Q20/40 , G06Q40/08 , H04L9/06 , H04L9/08 , H04L9/14 , H04L9/30 , H04L9/32 , H04L9/40 , H04L29/06 , H04L29/08 , H04L67/104 , G06Q10/10 , G06Q20/22 , H04L9/00
Abstract: Methods and systems for managing and/or processing a blockchain to maintain data security for confidential and/or personal data are provided. According to certain aspects, the disclosed data security techniques may enable access sharing functionality utilizing the blockchain. For example, access sharing may be utilized to file documents, share policy information, and/or comply with an audit. The data security techniques disclosed herein also enable the use of smart contracts to transfer funds associated with payment obligations and/or other forms of blockchain based payments, comply with anti-money laundering requirements, report industry data, validate interest payments and/or maintain agent sales data. Data security may be achieved through the use of public key/private key encryption techniques.
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公开(公告)号：US20250061439A1
公开(公告)日：2025-02-20
申请号：US18235764
申请日：2023-08-18
Applicant: Wells Fargo Bank, N.A.
Inventor： Ashish B. Kurani , Alan W. Hecht , Muhammad Farukh Munir , Darius A. Miranda , Benjamin Taylor , Traci Nguyen , Kourtney Eidam , Wairnola Marria Rhodriguez
Abstract: Systems and methods for shared accounts may include a computing system which receives a request to form a shared account. The computing system may generate the shared account, transmit message(s) to second user device(s), generate link(s) between second accounts and the shared account, and establish a value associated with the shared account. The computing system may receive a selection to initiate a transfer, detect that the value satisfies a threshold criteria, identify an eligible member, and initiate a transfer based on a response from the eligible member.
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公开(公告)号：US20250061435A1
公开(公告)日：2025-02-20
申请号：US18807258
申请日：2024-08-16
Applicant: WELLS FARGO BANK, N.A.
Inventor： Alan W. Hecht
Abstract: A method includes: receiving, by a computing system, a pre-authorization request from a first client application associated with a first account held at a first provider institution, the pre-authorization request requesting that the first account be bound to a second account held at a second provider institution, wherein binding the first account to the second account pre-authorizes a first user of the first account to perform real-time or near real-time pull transfers of resources from the second account into the first account using a transfer service; transmitting, by the computing system, the pre-authorization request to a second client application associated with the second account; receiving, by the computing system, an approval of the pre-authorization request from the second client application associated with the second account; and binding, by the computing system, the first account with the second account based on the approval of the pre-authorization request.
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公开(公告)号：US20250061434A1
公开(公告)日：2025-02-20
申请号：US18936024
申请日：2024-11-04
Applicant: STUDIO XID KOREA, INC.
Inventor： Soo KIM
IPC: G06Q20/10 , G06Q10/10 , G06Q30/0201
Abstract: Provided is a method performed by a least one computing device for evaluating contributions to the creation of an element of a prototype. The method comprises determining a second consumption performance of second prototype content, which is obtained by editing first prototype content including a plurality of first interactions and includes a plurality of second interactions, comparing the first interactions and the second interactions and calculating a ratio between contributions of a first creator of the first prototype content and a second creator of the second prototype content to the second consumption performance based on a result of the comparison of the first interactions and the second interactions.
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公开(公告)号：US20250061432A1
公开(公告)日：2025-02-20
申请号：US18936357
申请日：2024-11-04
Applicant: Wells Fargo Bank, N.A.
Inventor： Ashish B. Kurani
Abstract: Systems, methods, and computer-readable storage media utilized for transferring math based currency (“MBC”) at a financial institution. One method includes storing a plurality of private and public key pairs in a pooled database. The method further includes receiving, from a customer computing device of a customer, a request for an MBC address to transfer an amount of MBC to a recipient. The method further includes creating a first private and public key pair associated with a first MBC address. The method further includes providing, to the customer computing device, the first MBC address. The method further includes receiving, from an MBC wallet application, an MBC transaction request for the amount of MBC, the MBC transaction request comprising the first MBC address. The method further includes transferring the amount of MBC to the first MBC address and storing the first private and public key pair in the pooled database.
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公开(公告)号：US12230392B2
公开(公告)日：2025-02-18
申请号：US17838802
申请日：2022-06-13
Applicant: Orchid Exchange Inc.
Inventor： Lan Chi Le Vo , Joseph Pomianowski , Dániel Varga
Abstract: A virtual health system is provided that creates a digital platform to connect patients to healthcare providers. Healthcare providers create profiles that describe their healthcare specialty and provide scheduling information that indicates their availability along with preferences such as appointment or meeting length, minimum break between appointment, and price. Patients create profiles that includes demographic information as well as medical records. The patients may use the system to search for available healthcare providers using a variety of criteria, and to schedule virtual health services such as video chats. The system facilitates payment for the healthcare services, and records any notes, assignments, or prescriptions generated by the healthcare provider during the services. In the event that a patient would like to engage a different healthcare provider associated with the system, the system only allows access to the patient records after receiving permission from the patient.
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公开(公告)号：US12229826B2
公开(公告)日：2025-02-18
申请号：US17075598
申请日：2020-10-20
Applicant: Joachim Paul Walser
Inventor： Joachim Paul Walser
IPC: G06Q20/02 , G06F9/54 , G06Q10/10 , G06Q20/06 , G06Q20/10 , G06Q20/20 , G06Q20/36 , G06Q20/38 , G06Q40/02 , G06Q40/04 , H04L9/14
Abstract: The present invention concerns a cryptocurrency-cash gateway, comprising a wallet interface (403) for communicating over a network with at least one crypto wallet (102) and an EFT gateway interface (404) for communicating over a network with at least one electronic funds transfer, EFT, gateway or financial institution (407), wherein the cryptocurrency-cash gateway is operable to perform a cryptocurrency-to-cash transaction for allowing a user to withdraw cash at an automatic transaction machine, ATM (110), or a point-of-sale, POS, system (110B) by exchanging a corresponding amount of a cryptocurrency from the crypto wallet(s); or conversely allowing the user to deposit cash at an ATM or POS system and exchanging it for a corresponding amount of a cryptocurrency to be deposited in at least one crypto wallet of the user.
