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公开(公告)号：US20230133210A1
公开(公告)日：2023-05-04
申请号：US18146312
申请日：2022-12-23
发明人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
IPC分类号： G06Q20/40 , G06F21/34 , G06Q20/12 , G06Q20/36 , G06Q20/38 , G06Q20/42 , G06Q30/06 , H04L9/08 , H04L9/32 , H04L9/40
摘要： Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display.
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公开(公告)号：US20230132436A1
公开(公告)日：2023-05-04
申请号：US17982280
申请日：2022-11-07
申请人： PAYPAL, INC.
发明人： Aaron Ta-Tsung Leu
IPC分类号： G07F17/32 , H04L67/104 , H04B5/00 , G06Q20/22 , G06Q20/32 , G06Q50/12 , G06F3/04883 , H04W4/80 , H04W4/029 , G06F1/16 , G06Q20/42
摘要： Systems, methods, and computer program products are disclosed for improving ease in transmitting information between peer devices. Communications devices establish a peer group. Each communications device in the group assigns different sections of its touchscreen to the other devices in the group. To transfer information to another device in the group, the user swipes on the touchscreen towards the assigned section for the target communications device. Upon detecting the swipe, and determining that the swipe was towards the assigned section, the communications device initiates a transfer of the information to the target communications device. This may involve confirmation at the device or a paired device before transfer, or no confirmation. Receipt of the information at the target communications device may trigger notifications to be displayed. It may also trigger a request for acceptance of the transfer at the target communications device after which receipt is confirmed.
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公开(公告)号：US11636490B2
公开(公告)日：2023-04-25
申请号：US16745577
申请日：2020-01-17
发明人： Jeffrey Moore , Saurabh Chopra , Luba Goldberg , Darcy Montgomery Andrews , Claire Taitague Feeley
摘要： Provided are computer-implemented methods for linking accounts across systems which may include receiving an authorization request message including transaction data associated with a payment transaction and a primary account number (PAN); identifying a token corresponding to the PAN; transmitting a request message comprising at least a portion of the transaction data associated with the payment transaction and the token to at least one employer system, wherein the at least one employer system is associated with at least one employer institution; and receiving, from the at least one employer system, at least one response message comprising transaction adjustment data associated with an adjustment to the payment transaction. Methods may also include adjusting at least one parameter of the payment transaction based at least partially on the transaction adjustment data. Systems and computer program products are also provided.
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公开(公告)号：US20230122875A1
公开(公告)日：2023-04-20
申请号：US18083327
申请日：2022-12-16
IPC分类号： G06Q20/38 , G06F21/30 , G06F21/60 , G06F21/62 , G06Q20/08 , G06Q20/40 , G06Q20/42 , G06Q30/018 , G06Q40/08 , H04L9/06 , H04L9/30 , H04L9/32 , H04L9/40 , H04L65/612 , H04L67/53 , H04L67/63 , G06F21/10
摘要： Technologies are shown for secure management of personal information data involving storing personal information data in a personal information data block and committing the personal information data block to a personal information data blockchain and authorizing access to the personal information data by a platform entity by storing a platform identifier corresponding to the platform entity in authorized access data. An access request is received from the platform entity that includes the platform identifier for the first platform entity. If the platform identifier is verified to be in the authorized access data, the personal information data is obtained from the personal information data blockchain and returned to the platform entity. In some examples, the authorized access data includes permissions that identify portions of the personal information data that the platform entity can access. In other examples, the authorized access data is secured on an authorized access data blockchain.
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公开(公告)号：US11631067B2
公开(公告)日：2023-04-18
申请号：US17153399
申请日：2021-01-20
摘要： Aspects of the disclosure relate to artificial intelligence (AI)-based processing of account transfers between different accounts associated with a client. In particular, various aspects of this disclosure relate to triggering transfers based on data associated with electronic transfers (e.g., between accounts associated with different users) and/or information associated with card-based transactions. Additional aspects of the disclosure relate to using internet of things (IOT) modules to determine predicted consumption associated with utilities, and at least triggering account transfers based on the predicted consumption.
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公开(公告)号：US11625717B1
公开(公告)日：2023-04-11
申请号：US17671824
申请日：2022-02-15
申请人： Michael Sasha John
发明人： Michael Sasha John
IPC分类号： G06Q20/40 , G06Q30/0601 , G06Q30/06 , G06Q40/00 , G06Q20/12 , G06Q20/42 , G06F21/32 , G06F21/35 , G06F21/60 , G06F21/62 , G06Q20/38
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.
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公开(公告)号：US11620651B2
公开(公告)日：2023-04-04
申请号：US16508476
申请日：2019-07-11
摘要： A method for establishing account controls for a transaction account through specially configured personal identification numbers includes: storing, in an account profile, an account identifier, standard personal identification number (PIN), and blocking PIN; receiving a first authorization request for a first payment transaction including the account identifier, a merchant identifier, and the blocking PIN; inserting the merchant identifier into the account profile; receiving a second authorization request for a second payment transaction including the account identifier and the merchant identifier; and transmitting an authorization response in response to the second authorization request including a response code indicating decline of the second payment transaction.
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公开(公告)号：US20230097001A1
公开(公告)日：2023-03-30
申请号：US18062775
申请日：2022-12-07
发明人： Jacob Senn
摘要： Systems and methods for transaction authorization management based on user-defined account restrictions are provided. A financial services device may receive a transaction approval policy including one or more parameters defining account access restrictions. The financial services device may receive attempted purchases from a purchase device and determine, based on the transaction approval policy, whether to authorize or decline the attempted purchases. The financial services device may also be capable of notifying an account-holder about the attempted purchases and receive instructions from the account-holder whether to authorize or decline the attempted purchase.
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公开(公告)号：US20230069523A1
公开(公告)日：2023-03-02
申请号：US17791438
申请日：2020-01-23
申请人： NEC Corporation
发明人： Kan Arai , Azusa Furukawa , Kei Shibuya , Hiroshi Hashimoto , Makiko Akiguchi , Ken Hanazawa
摘要： The present invention provides a processing apparatus (10) including: a registration unit (12) that recognizes, based on image processing, product discrimination information of a product picked up from a product placing space, and registers the recognized product discrimination information in association with customer discrimination information; and a settlement unit (13) that executes, when it is detected, based on image processing, that a customer having picked up the product performs a predetermined action, a settlement based on a registration content resulting from the registration unit (12).
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公开(公告)号：US20230062625A1
公开(公告)日：2023-03-02
申请号：US18053371
申请日：2022-11-07
申请人： Block, Inc.
摘要： Described is a technology that enables a customer, who uses a payment card in a point-of-sale (POS) transaction and provides a biometric identifier to the merchant, to use the biometric identifier as a payment mechanism in future transactions. In some embodiments, the technology involves communication between a customer's user device, a payment service system (PSS), and one or more merchant POS systems. A merchant POS system collects information around the time or after the time of the POS transaction between the merchant POS system and the customer, including, among others, a biometric identifier of the customer and forwards this information to the PSS. The PSS stores the biometric identifier in association with the payment card used in the transaction. In a second transaction, the customer may provide the biometric and the PSS may process the transaction based at least in part on the identifier without the customer needing to provide a payment card.
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