公开(公告)号：US12131312B2

公开(公告)日：2024-10-29

申请号：US17317502

申请日：2021-05-11

申请人： JPMORGAN CHASE BANK, N.A.

发明人： Catherine D. Faulk ,  Matthew C. Taylor ,  Christine Moy ,  George Kassis ,  Tyrone Lobban

IPC分类号： G06Q20/36 ,  G06Q10/0835 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q20/42

CPC分类号： G06Q20/3674 ,  G06Q10/0835 ,  G06Q20/3821 ,  G06Q20/389 ,  G06Q20/401 ,  G06Q20/42

摘要： According to another embodiment, a method for invoicing and payments in an integrated supplier network may include: (1) receiving, at a supplier interface for a payments computer program, an invoice from a supplier; (2) receiving, at a buyer interface for the payments computer program, a payment allocation for the invoice, wherein the payment allocation may be associated with a supplier attestation for the supplier; (3) transferring, by the payments computer program, funds for the payment allocation to a liquidity pool, wherein the funds are commingled with other funds in the liquidity pool; (4) receiving, at the supplier interface, the supplier attestation, and a request to withdraw at least a portion of the funds for the payment allocation; and (5) retrieving, by the payments computer program, the portion of the payment allocation to a supplier account with the integrated supplier network.

公开(公告)号：US20240354734A1

公开(公告)日：2024-10-24

申请号：US18303306

申请日：2023-04-19

申请人： American Express Travel Related Services Company, Inc.

发明人： Sorin Grigore ,  Hayley Justina Younghusband

IPC分类号： G06Q20/32 ,  G06Q20/20 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q20/42

CPC分类号： G06Q20/3267 ,  G06Q20/20 ,  G06Q20/389 ,  G06Q20/401 ,  G06Q20/42

摘要： Disclosed are various embodiments for modifying transactions. A computer device can determine that a transaction has been authorized for an account, the transaction including an authorization amount and a merchant identifier. Then, the computing determine that the merchant identifier is included in a set of merchant identifiers associated with a transaction modification program. Next, the computing device can determine that the account is included in a set of accounts enrolled with the transaction modification program. Subsequently, in response to the first determination that the merchant identifier is included in the set of merchant identifiers associated with the transaction modification program and the second determination that the account is included in a set of accounts enrolled with the transaction modification program, the computing device can send a notification to an application executing on a client device associated with the account, the notification indicating that the transaction is a modifiable transaction.

公开(公告)号：US20240346517A1

公开(公告)日：2024-10-17

申请号：US18601763

申请日：2024-03-11

申请人： JPMORGAN CHASE BANK, N.A.

发明人： Umar FAROOQ ,  Naveen MALLELA ,  Wee Kee TOH

IPC分类号： G06Q20/42 ,  G06Q40/04

CPC分类号： G06Q20/425 ,  G06Q40/04

摘要： Global layer 1 programmable ledgers are disclosed. According to an embodiment, a global layer 1 programmable ledger may include: a plurality of nodes comprising a shared capabilities and components tier comprising foundational applications and functional applications, and a financial institution applications tier comprising financial institution application, wherein the global layer 1 programmable ledger is part of a distributed ledger network; and each of the plurality of nodes is associated with a participant of a distributed ledger network, and each participant is configured to access the foundational applications and functional applications and the financial institution applications.

公开(公告)号：US20240346390A1

公开(公告)日：2024-10-17

申请号：US18753876

申请日：2024-06-25

申请人： Expedia, Inc.

发明人： Suguna Navin ,  Wan-Shuan Cheng ,  Abhishek Skariah ,  Andrew Lawrence Ebaugh

IPC分类号： G06Q10/02 ,  G06F16/23 ,  G06Q20/24 ,  G06Q20/34 ,  G06Q20/40 ,  G06Q20/42 ,  G06Q50/14 ,  H04L9/32

CPC分类号： G06Q10/02 ,  G06Q20/24 ,  G06Q20/354 ,  G06Q20/40145 ,  G06Q20/4018 ,  G06Q20/407 ,  G06Q20/40975 ,  G06Q50/14 ,  H04L9/3226 ,  G06F16/2379 ,  G06Q20/425 ,  G06Q2220/00

摘要： Secure authentication and delayed transaction processing for booking management systems is provided. Third-party services partner with booking management systems to aggregate and list offerings of the third-party services in a digestible display on a one-stop platform. A booking management system can manage the authentication of payment card information on behalf of any number of such third-party services. The booking management system can maintain and process authentication information associated with traveler payment cards, and provide virtual payment information to the third-party services for payment following chargeable events. The third-party services may later initiate a transactions using the virtual payment information, without being required to perform authentication processing on the traveler payment card information maintained by the booking management system.

公开(公告)号：US12093967B2

公开(公告)日：2024-09-17

申请号：US18514256

申请日：2023-11-20

申请人： Capital One Services, LLC

发明人： Austin Walters ,  Vincent Pham ,  Jeremy Goodsitt

IPC分类号： G06Q30/018 ,  G06Q20/20 ,  G06Q20/34 ,  G06Q20/40 ,  G06Q20/42 ,  H04W4/80 ,  H04W12/12 ,  H04W84/12

CPC分类号： G06Q30/0185 ,  G06Q20/204 ,  G06Q20/341 ,  G06Q20/352 ,  G06Q20/354 ,  G06Q20/40 ,  G06Q20/42 ,  H04W4/80 ,  H04W12/12 ,  H04W84/12

摘要： Systems and methods disclosed herein provide fraud mitigation via dynamic transaction card wireless communication. A mobile device may cause a dynamic transaction card to periodically scan its environment to detect wireless enabled devices proximately located near the dynamic transaction card. Based on identifying the wireless enabled devices frequently located near the dynamic transaction card, a set of approved devices may be determined. During a transaction, a dynamic transaction card may scan its environment for other wireless enabled devices proximately located near the dynamic transaction card. If wireless enabled devices detected by the dynamic transaction card are all, or a subset, of the devices that are frequently located near the card, then the transaction may be authorized. However, if the wireless enabled devices detected by the dynamic transaction card are not all, or a subset, of the devices that are frequently located near the card, then the transaction may be unauthorized.

公开(公告)号：US12093950B2

公开(公告)日：2024-09-17

申请号：US18602817

申请日：2024-03-12

申请人： Michael Sasha John

发明人： Michael Sasha John

IPC分类号： G06Q20/40 ,  G06F21/32 ,  G06F21/35 ,  G06F21/60 ,  G06F21/62 ,  G06Q20/12 ,  G06Q20/38 ,  G06Q20/42 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q40/00

CPC分类号： G06Q20/40 ,  G06F21/32 ,  G06F21/35 ,  G06F21/606 ,  G06F21/6263 ,  G06Q20/123 ,  G06Q20/382 ,  G06Q20/4012 ,  G06Q20/40145 ,  G06Q20/4016 ,  G06Q20/405 ,  G06Q20/409 ,  G06Q20/425 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q30/0613 ,  G06Q40/00

摘要： An illustrative fraud deterrent method includes presenting an identity verification option for a first website displayed in a web-browser, the option including offering a login to a third-party website, unrelated to the first website. The method further includes receiving login information for a first user account on the third-party website and verifying the login information through a verification service associated with the third-party website, to verify that the login information is valid for the first user account, identified by the login information. The method additionally includes verifying an identity at the first website, responsive to the verification.

公开(公告)号：US12093926B2

公开(公告)日：2024-09-17

申请号：US17717805

申请日：2022-04-11

申请人： Block, Inc.

发明人： Ayokunle Omojola ,  Ashutosh Sham Dhodapkar

IPC分类号： G06Q20/00 ,  G06K19/06 ,  G06K19/07 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/40 ,  G06Q20/42

CPC分类号： G06Q20/356 ,  G06K19/06028 ,  G06K19/06037 ,  G06K19/0723 ,  G06Q20/3223 ,  G06Q20/40145 ,  G06Q20/405 ,  G06Q20/42

摘要： A payment service system receives a transaction instrument identifier of a transaction instrument, and associates the transaction instrument with an account associated with a first user. The system identifies rules that identify whether to request authorization from a second user to process respective transactions that involve the transaction instrument and that are associated with one of a set of transaction types. The system receives a transaction indication indicating a request to use the transaction instrument for a transaction. The system determines, based on information about the transaction and the one or more rules, that the transaction is categorized into a first transaction type. The rules indicate that the authorization from the second user is to be requested for the first transaction type. The system receives an authorization to process the transaction from a user device associated with the second user, and automatically facilitates processing of the transaction.

公开(公告)号：US20240303654A1

公开(公告)日：2024-09-12

申请号：US18507639

申请日：2023-11-13

申请人： THE ANSCHUTZ CORPORATION

发明人： Kelly WILLIAMS ,  Miranda GAMEZ

IPC分类号： G06Q20/40 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/42

CPC分类号： G06Q20/401 ,  G06Q20/02 ,  G06Q20/0457 ,  G06Q20/047 ,  G06Q20/42

摘要： The present invention relates to secure electronic payment solutions that eliminate the manual handling of sensitive payment information, thereby eliminating the data security risk inherent in handling sensitive payment information in an insecure manner. The invention is applicable to a wide variety of use cases, including but not limited to internal ticket orders, suite rentals, and suite catering, and a wide variety of payment methods, including but not limited to credit card payment.

公开(公告)号：US20240283763A1

公开(公告)日：2024-08-22

申请号：US18654467

申请日：2024-05-03

申请人： Truist Bank

发明人： Kendra Henry ,  Luana Peterman

IPC分类号： H04L51/04 ,  G06Q20/38 ,  G06Q20/42 ,  H04L51/216 ,  H04L51/224

CPC分类号： H04L51/04 ,  G06Q20/389 ,  G06Q20/42 ,  H04L51/216 ,  H04L51/224

摘要： Disclosed herein is a system that can, using reduced memory and processor resources, receive a plurality of electronic messages associated with a number of previously executed electronic transactions, analyze data fields of the electronic messages, and identify electronic messages that share a common marker as being related to each other and to a particular electronic transaction. The system can also extract electronic messages as a message group and, by identifying the latest message of the electronic messages in the message group using dates of transmission of the electronic messages, determine that the latest message does not indicate completion of the related electronic transaction. The related electronic transaction may then be designated as an incomplete transaction, and a notification of the same may be generated.

公开(公告)号：US12067576B2

公开(公告)日：2024-08-20

申请号：US16853809

申请日：2020-04-21

申请人： Mastercard International Incorporated

发明人： David J. Senci ,  Kyle T. Williams ,  John Robert Hierholzer

IPC分类号： G06Q20/42 ,  G06Q20/38 ,  G06Q20/40

CPC分类号： G06Q20/42 ,  G06Q20/389 ,  G06Q20/4016

摘要： A computer-implemented method for isolating transaction records having deficient standard data elements. The method may include: acquiring a first transaction record corresponding to a transactional entity, the first transaction record including a set of standard data fields in a first state; acquiring a second transaction record corresponding to the transactional entity, the second transaction record including the set of standard data fields in a second state; analyzing the first state and the second state to identify a deficiency of the standard data fields of one or both of the first transaction record and the second transaction record, the deficiency corresponding to a misclassification of an installment payment transaction of the transactional entity; and storing a record of the misclassification, the record identifying one or both of the first transaction record and the second transaction record.