公开(公告)号：US20250037104A1

公开(公告)日：2025-01-30

申请号：US18914878

申请日：2024-10-14

Applicant: Visa International Service Association

Inventor： Govind Ramachandran Nair

IPC: G06Q20/22 ,  G06F3/01 ,  G06F3/04815 ,  G06F3/0482 ,  G06F3/04845 ,  G06Q20/30

Abstract: A computer-implemented method includes: receiving user identifying data; launching a virtual environment including an interactive graphical user interface configured to receive user selection inputs; in the virtual environment: receiving a first user selection input selecting an avatar corresponding to a payment device reward; associating the avatar and the payment device reward with the user; displaying payment device design components; receiving a second user selection input selecting a payment device design component; and associating the payment device design component with the user; and redirecting the user to an issuer system by communicating a payment device issuance request to generate and issue a payment device to the user, where the payment device issuance request contains at least one of the following: the user data, the first user selection input, the second user selection input, and/or any combination thereof.

公开(公告)号：US20240403856A1

公开(公告)日：2024-12-05

申请号：US18697436

申请日：2022-09-29

Applicant: DIGITAL CURRENCY INSTITUTE, THE PEOPLE'S BANK OF CHINA

Inventor： Gang DI ,  Changchun MU ,  Jianchang GUO ,  Xinyu ZHAO ,  Peidong CUI ,  Peng YU

IPC: G06Q20/30 ,  G06Q20/36 ,  G06Q20/40

Abstract: The present disclosure relates to the technical field of computers. Provided are a positioning and paying method, apparatus and system based on the Internet of Vehicles. A specific implementation of the method comprises: an in-vehicle client obtains position information of a vehicle on the basis of the Internet of Vehicles; and a management server determines a corresponding service entity for the vehicle on the basis of the position information, so as to automatically complete a fee payment operation by using a first digital currency wallet that is included in the in-vehicle client and a second digital currency wallet that is included in the service entity. Thus, the problems of a low degree of automation and a low payment efficiency caused by manual fee payment are overcome, thereby enhancing the user experience.

公开(公告)号：US12125017B2

公开(公告)日：2024-10-22

申请号：US18115225

申请日：2023-02-28

Applicant: Visa International Service Association

Inventor： Govind Ramachandran Nair

IPC: G06Q20/22 ,  G06F3/01 ,  G06F3/04815 ,  G06F3/0482 ,  G06F3/04845 ,  G06Q20/30

CPC classification number: G06Q20/227 ,  G06F3/012 ,  G06F3/04815 ,  G06F3/0482 ,  G06F3/04845 ,  G06Q20/30

Abstract: A computer-implemented method includes: receiving user identifying data; launching a virtual environment including an interactive graphical user interface configured to receive user selection inputs; in the virtual environment: receiving a first user selection input selecting an avatar corresponding to a payment device reward; associating the avatar and the payment device reward with the user; displaying payment device design components; receiving a second user selection input selecting a payment device design component; and associating the payment device design component with the user; and redirecting the user to an issuer system by communicating a payment device issuance request to generate and issue a payment device to the user, where the payment device issuance request contains at least one of the following: the user data, the first user selection input, the second user selection input, and/or any combination thereof.

公开(公告)号：US12112308B2

公开(公告)日：2024-10-08

申请号：US18146050

申请日：2022-12-23

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Rick Unnerstall ,  Zhenni Hu ,  Brian Williams ,  Christopher Eric Mullen

IPC: G06Q20/22 ,  G06F3/16 ,  G06Q20/30 ,  G06Q20/38 ,  G06Q20/40 ,  G10L15/22

CPC classification number: G06Q20/227 ,  G06F3/167 ,  G06Q20/308 ,  G06Q20/385 ,  G06Q20/401 ,  G10L15/22 ,  G10L2015/223

Abstract: A data controller computing device is configured to receive, from a voice-controlled (VC) computing device, a shared payment initialization request identifying a primary user payment account associated with the VC computing device. The DC computing device creates a shared payment account linked in a database to the primary user payment account. The DC computing device also receives secondary user information, and links in the database at least one secondary user payment account to the shared payment account. Additionally, the DC computing device transmits a shared payment account identifier to the VC computing device. The DC computing device receives, via a payment network, a transaction authorization request including the shared payment account identifier, a merchant identifier, and a transaction amount. The DC computing device applies respective portions of the transaction amount against each of the primary user account and the at least one secondary user payment account.

公开(公告)号：US12039544B2

公开(公告)日：2024-07-16

申请号：US17345494

申请日：2021-06-11

Applicant: Aeris Communication, Inc.

Inventor： Subramanian Balakrishnan ,  Jins George

IPC: G06Q30/04 ,  G06N20/00 ,  G06Q20/12 ,  G06Q20/14 ,  G06Q20/30 ,  G06Q30/016 ,  G06Q30/0283 ,  G06Q40/12 ,  G16Y10/45 ,  G16Y10/75 ,  G16Y40/20 ,  H04W4/24 ,  H04W4/70

CPC classification number: G06Q30/016 ,  G06N20/00 ,  G06Q20/127 ,  G06Q20/145 ,  G06Q20/308 ,  G06Q30/0284 ,  G06Q30/04 ,  G06Q40/12 ,  G16Y10/45 ,  G16Y10/75 ,  G16Y40/20 ,  H04W4/24 ,  H04W4/70

Abstract: A computer implemented method, system and computer readable medium for use in machine to machine (M2M) or internet of Things (IoT) network including network devices are disclosed. The computer implemented method comprises providing a guaranteed price plan to a customer for a predetermined time period and learning about network device usage over the predetermined time period to provide a learned price plan. The computer implemented method also comprises determining a new price plan based on the learned price plan. Finally, the computer implemented method comprises utilizing the new price plan with customer's network devices.

公开(公告)号：US12026712B2

公开(公告)日：2024-07-02

申请号：US17955329

申请日：2022-09-28

Applicant: Visa International Service Association

Inventor： Yuexi Chen ,  Simon Hurry

IPC: G06Q20/40 ,  G06Q20/20 ,  G06Q20/30 ,  G06Q20/32 ,  G06Q20/34

CPC classification number: G06Q20/401 ,  G06Q20/206 ,  G06Q20/30 ,  G06Q20/3278 ,  G06Q20/341 ,  G06Q20/407

Abstract: Systems and methods provide dynamic application selection based on contextual data of a transaction. A portable device may include multiple applications with which a transaction may be processed. These applications may be associated with a variety of priorities. The portable device may provide a list of these applications to an access device from which one application may be selected.

公开(公告)号：US20240129405A1

公开(公告)日：2024-04-18

申请号：US18394951

申请日：2023-12-22

Applicant: Capital One Services, LLC

Inventor： Sara McDOLE ,  Premkumar DHAYALAN ,  Thomas ZAHORIK ,  Saiteja KAMUNI ,  Sri PENMATSA ,  Vamsi RALLABANDI ,  Danni TANG ,  Suresh POTHIREDDY

IPC: H04M3/22 ,  G06Q20/30 ,  H04M3/51

CPC classification number: H04M3/2218 ,  G06Q20/305 ,  H04M3/5175 ,  H04M3/5183

Abstract: Systems and methods for managing models for call data are disclosed. For example, the system may include one or more memory units storing instructions and one or more processors configured to execute the instructions to perform operations. The operations may include receiving, from a user device, an input indicating a segment of a first recorded call and an attribute associated with the segment. The operations may include determining a parameter of a model, wherein the model is associated with the attribute. The operations may include changing the parameter based on the input. The operations may include generating an updated model based on the changed parameter, wherein the updated model may be configured to analyze recorded calls having one or more segments with the same attribute.

公开(公告)号：US20240106896A1

公开(公告)日：2024-03-28

申请号：US17951550

申请日：2022-09-23

Applicant: T-Mobile Innovations LLC

Inventor： Syam Sarasamma Kunjukrishnan

IPC: H04L67/12 ,  G06Q20/30 ,  G06Q20/32 ,  G06V40/16 ,  H04W76/10

CPC classification number: H04L67/12 ,  G06Q20/308 ,  G06Q20/325 ,  G06V40/172 ,  H04W76/10 ,  G16Y40/40

Abstract: Systems, methods, and computer-readable media are described for activating an IoT device using a single tap between a user device and the IoT device Activation of the IoT device proceeds by adding the IoT device onto a wireless service provider account associated with a user and the user device. Billing may also be automatically set-up using this system by adding a billing charge to the wireless provider account.

公开(公告)号：US20230410083A1

公开(公告)日：2023-12-21

申请号：US18201313

申请日：2023-05-24

Applicant: TOYOTA JIDOSHA KABUSHIKI KAISHA

Inventor： Hiroya CHIBA

IPC: G06Q20/30

CPC classification number: G06Q20/308

Abstract: The present disclosure relates to a management apparatus that manages settlement devices. The management apparatus manages a first settlement device that performs a settlement for use of a service or purchase of a product and a second settlement device mounted on a vehicle used by a user. The management apparatus comprises one or more processors. The one or more processors are configured to execute following two steps. The first step is permitting the first settlement device to perform a first settlement for the use of the service or the purchase of the product until the user using the service or purchasing the product gets in the vehicle. The second step is permitting at least the second settlement device to perform the first settlement after the user using the service or purchasing the product gets in the vehicle.

公开(公告)号：US11840440B2

公开(公告)日：2023-12-12

申请号：US17373152

申请日：2021-07-12

Applicant: The Coca-Cola Company

Inventor： Michael Connor

IPC: G06Q20/18 ,  G06Q20/08 ,  G06Q20/30 ,  G06Q30/00 ,  G06Q30/06 ,  G06Q50/12 ,  G06K7/14 ,  G06K19/06 ,  G06K7/10 ,  G06F3/04817 ,  G06F3/0482 ,  H04L9/32 ,  B67D1/08 ,  G06Q30/0601 ,  G06Q20/32 ,  G06Q30/018 ,  G06Q20/20

CPC classification number: B67D1/0888 ,  G06F3/0482 ,  G06F3/04817 ,  G06K7/10722 ,  G06K7/1417 ,  G06K19/06037 ,  G06Q20/18 ,  G06Q20/202 ,  G06Q20/3276 ,  G06Q30/0185 ,  G06Q30/0633 ,  G06Q50/12 ,  H04L9/3213 ,  H04L9/3242 ,  H04L9/3247 ,  G06Q2220/00

Abstract: A beverage order fulfillment system allows for beverage fulfillment from a mobile device without requiring a custom software application on the mobile device but uses a web connection to control beverage dispenser operations instead. The mobile device incorporates web browser software, and the web browser software is configured to initiate communication sessions with the at least one server. Data entry options are displayed on the interactive GUI for the first computer to communicate beverage selection commands to the beverage dispensing software, via the at least one server, in a respective instance of beverage fulfillment. The at least one server incorporates web socket application program interfaces (APIs) stored on the at least one server and configured to connect a communications link to the beverage dispenser and the web browser software on the first computer.