公开(公告)号：US12131316B2

公开(公告)日：2024-10-29

申请号：US17986665

申请日：2022-11-14

申请人： MASTERCARD INTERNATIONAL INCORPORATED

发明人： Shivani Magarkar ,  Gurpreet Atwal ,  Jaipal Singh Kumawat

IPC分类号： G06Q40/00 ,  G06Q20/38

CPC分类号： G06Q20/382

摘要： A method for linking an initial authentication of an online transaction to a subsequent authorization of the online transaction is provided. The method includes: receiving an authentication request message including transaction data, storing in an authentication database authentication data including an initial transaction amount, causing margin data representative of an authentication margin to be associated with the authentication data in the authentication database, receiving a request to link an authorization request message for the online transaction to the authentication data wherein the authorization request message including a fulfillment transaction amount greater than the initial transaction amount, determining that the fulfillment transaction amount does not exceed the initial transaction amount by more than the authentication margin, and transmitting an indication that the authorization request message is successfully linked to the authentication data, thereby enabling authorization by the payment network of the online transaction including the fulfillment transaction amount.

公开(公告)号：US12131214B2

公开(公告)日：2024-10-29

申请号：US18346055

申请日：2023-06-30

申请人： Yoti Holding Limited

发明人： Francisco Angel Garcia Rodriguez ,  Piers Powlesland ,  Paolo Greci ,  Laurence Withers ,  Eleanor Simone Frederika Loughlin-McHugh ,  Roman Edward Szczesniak

IPC分类号： G06K7/10 ,  G06F21/34 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q40/00 ,  G06Q50/26 ,  H04L9/08 ,  H04L9/32 ,  H04L9/40 ,  H04W12/06

CPC分类号： G06K7/10297 ,  G06F21/34 ,  G06Q20/363 ,  G06Q20/3672 ,  G06Q20/3821 ,  G06Q40/00 ,  G06Q50/265 ,  H04L9/0822 ,  H04L9/0861 ,  H04L9/3213 ,  H04L9/3234 ,  H04L63/08 ,  H04L63/0807 ,  H04L63/0838 ,  H04L63/0861 ,  H04L63/102 ,  H04L63/20 ,  H04W12/06

摘要： A method of a digital identity system generating a sharing token for authenticating a bearer to a validator, wherein a data store of the digital identity system holds a plurality of attributes of the bearer, the method comprising implementing by the digital identity system the following steps: receiving at the digital identity system from a bearer an electronic sharing token request, wherein the token request identifies at least one of the bearer's attributes in the data store selected for sharing with a validator; in response to the electronic token request, generating a sharing token, which is unique to that request, for presentation by the bearer to a validator; associating with the unique sharing token at the digital identity system the identified at least one bearer attribute; and issuing to the bearer the unique sharing token; and wherein later presentation of the unique sharing token to the digital identify system by a validator causes the at least one bearer attribute associated with the sharing token to be rendered available to the validator by the digital identity system.

公开(公告)号：US12125036B2

公开(公告)日：2024-10-22

申请号：US17444290

申请日：2021-08-03

申请人： Capital One Services, LLC

发明人： Adam Koeppel ,  Saleem Sangi ,  Robert Perry ,  Kevin Kelly

IPC分类号： G06Q40/00 ,  G06K19/07 ,  G06Q20/34 ,  G06Q20/40 ,  G07F7/08 ,  G07F7/12

CPC分类号： G06Q20/40145 ,  G06K19/0701 ,  G06Q20/34 ,  G06Q20/341 ,  G06Q20/354 ,  G06Q20/355 ,  G07F7/0833 ,  G07F7/125

摘要： An example transaction card may include a sensor to measure movement of the transaction card and one or more processors to monitor the movement of the transaction card via the sensor during a tracking period; determine measurements of a gait of a user during the tracking period from the movement of the transaction card during the tracking period; compare the measurements of the gait of the user during the tracking period and a gait signature associated with the transaction card; and/or perform an action associated with the transaction card based on a result of comparing the measurements of the gait of the user during the tracking period and the gait signature.

公开(公告)号：US12118560B2

公开(公告)日：2024-10-15

申请号：US17651081

申请日：2022-02-15

申请人： PayPal, Inc.

发明人： Zhe Chen ,  Hewen Wang ,  Solomon Kok How Teo ,  Yuzhen Zhuo ,  Quan Jin Ferdinand Tang ,  Mandar Ganaba Gaonkar ,  Omkumar Mahalingam ,  Kenneth Bradley Snyder

IPC分类号： G06Q40/00 ,  G06F3/01 ,  G06F3/03 ,  G06F18/21 ,  G06N20/20 ,  G06Q20/40

CPC分类号： G06Q20/4016 ,  G06F3/017 ,  G06F3/0304 ,  G06F18/217 ,  G06N20/20 ,  G06Q20/40145

摘要： Techniques are disclosed relating to determining whether to authorize a requested action based on whether an entity is an automated computer. In some embodiments, a computer system tracks, at a user interface of a computing device, a sequence of pointer movements. The computer system maps, based on coordinate locations of pointer movements in the sequence, respective movements in the sequence to a plurality of functional areas. Based on the mapping, the computer system generates a movement graph and determines, based on the movement graph, whether an entity associated with the sequence of pointer movements is an automated computer. In response to receiving a request to authorize an action at the computing device, the computer system generates, based on the determining, an authorization decision for the action and transmits the authorization decision to the computing device. Determining whether the entity is an automated computer may advantageously prevent fraudulent activity.

公开(公告)号：US20240338769A1

公开(公告)日：2024-10-10

申请号：US18744768

申请日：2024-06-17

申请人： BGC PARTNERS, INC.

发明人： Howard W. Lutnick ,  Bijoy Paul ,  Michael Sweeting

IPC分类号： G06Q40/06 ,  G06Q40/00 ,  G06Q40/04

CPC分类号： G06Q40/06 ,  G06Q40/00 ,  G06Q40/04

摘要： Various embodiments of exchanges are described. Methods and other embodiments are also described.

公开(公告)号：US20240338758A1

公开(公告)日：2024-10-10

申请号：US18748184

申请日：2024-06-20

申请人： BGC PARTNERS, INC.

发明人： Matthew W. Claus ,  Kevin M. Foley ,  Joseph C. Noviello ,  Howard W. Lutnick

IPC分类号： G06Q40/00 ,  G06Q40/04

CPC分类号： G06Q40/00 ,  G06Q40/04

摘要： An apparatus for processing trade orders comprises a processor and memory that stores first and second orders. The first order is associated with a product and comprises displayed and reserved quantities. The second order is associated with the product and comprises displayed and reserved quantities. The processor is coupled to the memory and receives a counterorder associated with the product. The processor fills the displayed quantity of the first order with a corresponding portion of the counterorder, and the displayed quantity of the second order with a corresponding portion of the counterorder. The processor allocates a first additional portion of the counterorder to the first order. The first additional portion is based at least in part on a ratio of the displayed quantity of the first order to a sum of the displayed quantity of the first order and the displayed quantity of the second order.

公开(公告)号：US20240338691A1

公开(公告)日：2024-10-10

申请号：US18628414

申请日：2024-04-05

申请人： Google LLC

发明人： Travis Harrison Kroll Green ,  Michael DePasquale ,  Boris Mizhen ,  Josh Ostrow ,  Peter Schmitt ,  Kevin Michael Bierhoff ,  Alevtina Stolpnik ,  Avery Pennarun ,  Narelle Cozens

IPC分类号： G06Q20/38 ,  G06Q20/10 ,  G06Q40/00 ,  G06Q50/00

CPC分类号： G06Q20/384 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q40/00 ,  G06Q50/01

摘要： Users of a communication system can initiate electronic payments during a communication session hosted by the communication system or via a social network identity page hosted by the communication system. The communication system detects a payment signal from a user of the communication system and the collects payment information details either by displaying a payment object interface in a communication application of the user or receiving payment information input directly from the user's communication device. The payment information includes sender and recipient payment account identifiers that are communicated to a payment processing system for processing and delivery of the designated payment amount to the recipient.

公开(公告)号：US12112379B2

公开(公告)日：2024-10-08

申请号：US18437334

申请日：2024-02-09

申请人： NYSE American LLC

发明人： Clifford J. Weber ,  Lynn C. Martin

IPC分类号： G06Q40/00 ,  G06Q40/04

CPC分类号： G06Q40/04

摘要： According to some embodiments, an indication of a trade priced relative to a reference benchmark value (e.g., a trade at index close transaction) associated with an underlying index future may be received when a basis of the trade is agreed to by parties of the trade. Moreover, the indication may be received at least one day prior to a determination of a final price and quantity of the trade. The trade might create, according to some embodiments, any derivative, such as a future, an option, or a combination of put and call options. The trade may be reported and cleared, and it may then be arranged for the trade to physically settle into the underlying index future.

公开(公告)号：US12112331B2

公开(公告)日：2024-10-08

申请号：US17463652

申请日：2021-09-01

申请人： MASTERCARD TECHNOLOGIES CANADA ULC

发明人： Thomas Funk ,  Nicholas Desmond

IPC分类号： G06Q40/00 ,  G06N5/01 ,  G06N5/046 ,  G06N20/00 ,  G06Q20/40

CPC分类号： G06Q20/4016 ,  G06N5/01 ,  G06N5/046 ,  G06N20/00

摘要： Methods and systems for rule-based machine learning for precise fraud detection. One system includes an electronic processor configured to determine, via a decision tree, a first subset of datasets of an aggregate dataset collection generated using a rule-based model. The electronic processor is also configured to select a third collection of datasets, each dataset included in the third collection of datasets associated with a user characteristic associated with fraud. The electronic processor is also configured to determine, via the decision tree, a second subset of datasets of the third collection of datasets, each dataset included in the second subset of datasets associated with a second set of user characteristics associated with fraud. The electronic processor is also configured to, in response to determining that an accuracy score associated with the second set of user characteristics satisfies a threshold, generate and transmit a report for display.

公开(公告)号：US12106376B2

公开(公告)日：2024-10-01

申请号：US17537369

申请日：2021-11-29

申请人： BEES360, INC.

发明人： Kun Liu ,  Xiaoqing Wu

IPC分类号： G06Q40/00 ,  B64C39/02 ,  G06Q40/08 ,  B64U101/30

CPC分类号： G06Q40/08 ,  B64C39/024 ,  B64U2101/30

摘要： Disclosed is a method and apparatus for processing an insurance claim. The user first files a claim, and then a drone is dispatched to take a photo of the claimed object at the location corresponding to location information contained in the claim so as to obtain a complete photo required for claim settlement. Then the damage of the claimed object is identified and marked out on the photo. Finally, the complete photo on which the damage has been identified and marked out is uploaded online, and the claimed object is measured and the damage of the claimed object is assessed according to the uploaded complete photo, thus formulating a claim report.