公开(公告)号：WO2014051586A1

公开(公告)日：2014-04-03

申请号：PCT/US2012/057499

申请日：2012-09-27

Applicant: INTUIT INC. ,  DUNN, Eric C.W. ,  RAN, Alexander S.

Inventor： DUNN, Eric C.W. ,  RAN, Alexander S.

IPC: G06Q20/16 ,  G06Q20/32 ,  G06Q20/20

CPC classification number: G06Q40/02

Abstract: During operation of the system, a user of a portable electronic device provides a request to enroll in a financial service associated with a provider. For example, the financial service may facilitate financial transactions via a financial application that executes on the portable electronic device. Then, an electronic device determines that the user is an existing customer of at least one of a set of financial institutions that have a business relationship with the provider, where the provider is other than one of the financial institutions. Next, the electronic device enrolls the user in the financial service without requesting additional information from the user. By leveraging the business relationship between the user and one of the financial institutions in the set of financial institutions, the user can avoid having to perform a complicated enrollment process in order to start using the financial service.

Abstract translation: 在系统的操作期间，便携式电子设备的用户提供登记与提供商相关联的金融服务的请求。 例如，金融服务可以通过在便携式电子设备上执行的金融应用来促进金融交易。 然后，电子设备确定用户是与提供者有业务关系的一组金融机构中的至少一个的现有客户，其中提供者不是金融机构之一。 接下来，电子设备将用户注册到金融服务中，而不需要用户的附加信息。 通过利用用户与一组金融机构中的金融机构之间的业务关系，用户可以避免执行复杂的注册过程以开始使用金融服务。

公开(公告)号：WO2017189114A1

公开(公告)日：2017-11-02

申请号：PCT/US2017/022769

申请日：2017-03-16

Applicant: INTUIT INC.

Inventor： LESNER, Christopher ,  RAN, Alexander S.

IPC: G06Q40/00 ,  G06Q40/02

Abstract: A method and system detects and addresses abnormalities in a financial management system. The method and system include gathering financial data related to financial transactions of the users of the financial management system and generating profile data related to patterns in the financial transaction data by analyzing the financial transaction data. The method and system further include detecting abnormalities in the financial management system by comparing subsequent financial transaction data to the profile data.

Abstract translation: 一种方法和系统检测并解决财务管理系统中的异常。 该方法和系统包括收集与财务管理系统的用户的财务交易相关的财务数据，并且通过分析财务交易数据来生成与财务交易数据中的模式相关的简档数据。 该方法和系统进一步包括通过将后续金融交易数据与简档数据进行比较来检测财务管理系统中的异常。

公开(公告)号：WO2018140489A1

公开(公告)日：2018-08-02

申请号：PCT/US2018/015039

申请日：2018-01-24

Applicant: INTUIT INC.

Inventor： RAN, Alexander S. ,  RUKONIC, Marko ,  LESNER, Christopher ,  WANG, Wei

IPC: G06Q40/00 ,  G06Q10/10

Abstract: A method and system groups user accounts in a financial management system based on the similarities of the financial transactions associated with the accounts. The financial management system receives financial transaction data related to a plurality of financial transactions of a plurality of users. Each of the financial transactions is associated with an account of a user. The financial management system generates account characteristics vector data including, for each account, an account characteristics vector based on the financial transactions associated with the account. The financial management system groups the accounts by performing grouping analysis on the account characteristics vectors.

公开(公告)号：WO2012096683A1

公开(公告)日：2012-07-19

申请号：PCT/US2011/031214

申请日：2011-04-05

Applicant: INTUIT INC. ,  RAN, Alexander S. ,  MCGLOIN, Daniel C. ,  GOSBY, Desiree D.G. ,  OTILLIO, Troy D.

Inventor： RAN, Alexander S. ,  MCGLOIN, Daniel C. ,  GOSBY, Desiree D.G. ,  OTILLIO, Troy D.

IPC: G06F15/16 ,  G06F17/00 ,  G06F9/44

CPC classification number: G06F8/60

Abstract: A technique for facilitating customization of a software application is described. During this customization technique, an indicator, which indicates that a software application for an electronic device has been discovered by a user, is provided to a publisher of the software application. In response to the indicator, the publisher provides a token to the user. This token identifies a customized application-delivery service for the software application and/or a user-specific customization of the software application. Note that the customized application-delivery service and the user-specific customization are based on information about the user associated with the user's pre-existing or just-established relationship with the publisher. Next, the token is provided to an application-delivery service, and the application-delivery service provides the customized software application to the electronic device or a computer, for example, using the customized application-delivery service.

Abstract translation: 描述了用于促进软件应用的定制的技术。 在该定制技术期间，向软件应用的发行者提供指示用于电子设备的软件应用程序的指示符。 响应于指示符，发布者向用户提供令牌。 该令牌识别软件应用程序的定制应用程序传递服务和/或软件应用程序的用户特定定制。 请注意，定制的应用交付服务和用户特定的定制基于与用户与发布者的预先存在或刚刚建立的关系相关联的用户的信息。 接下来，将令牌提供给应用传送服务，并且应用传送服务例如使用定制的应用传送服务向电子设备或计算机提供定制的软件应用。

公开(公告)号：WO2021262381A1

公开(公告)日：2021-12-30

申请号：PCT/US2021/034388

申请日：2021-05-27

Applicant: INTUIT INC.

Inventor： LESNER, Christopher Z. ,  RAN, Alexander S. ,  COOPER, Kristin

IPC: G06Q40/00 ,  G06Q40/02 ,  G06N20/00 ,  G06Q40/12

Abstract: Aspects of the present disclosure provide techniques for training a machine learning model. Embodiments include determining a set of unlabeled user transaction records associated with a user. Embodiments include selecting a first unlabeled user transaction record associated with a first vendor from the set of unlabeled user transaction records based on a transaction record prioritization scheme. Embodiments include presenting the first unlabeled user transaction record to the user in a label query. Embodiments include receiving, from the user in response to the label query, a label of a first account for the first unlabeled user transaction record. Embodiments include selecting a second unlabeled user transaction record associated with a second vendor from the set of unlabeled user transaction records based on: the transaction record prioritization scheme, and a determination that the second vendor is least likely to be categorized by the user in the first account.

公开(公告)号：WO2020068265A1

公开(公告)日：2020-04-02

申请号：PCT/US2019/044182

申请日：2019-07-30

Applicant: INTUIT INC.

Inventor： LESNER, Christopher ,  RAN, Alexander S. ,  WANG, Wei ,  RUKONIC, Marko

IPC: G06Q40/04 ,  G06Q40/00 ,  G06F16/35 ,  G06N3/02

Abstract: A method and system identify characteristics of financial transaction description strings. The method and system trains a dictionary generation model with a machine learning process to classify financial transaction description strings. The dictionary generation model generates a dictionary that indicates key substrings from the financial transaction description strings that were most predictive in classifying the financial transaction description strings.

公开(公告)号：WO2013184159A1

公开(公告)日：2013-12-12

申请号：PCT/US2012/066537

申请日：2012-11-26

Applicant: INTUIT INC.

Inventor： RAN, Alexander S.

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

CPC classification number: G06Q20/204 ,  G06Q20/202 ,  G06Q20/3274 ,  G06Q20/3278

Abstract: During a financial transaction, a customer provides a token that identifies the customer to a peripheral device (which is other than a credit-authorization terminal or a magnetic-stripe reader) coupled to the point-of-sale terminal. Then, a unified point-of-sale service object executing on the point-of-sale terminal, which is a driver for a virtual peripheral device, performs one or more operations based on at least the token to obtain financial information associated with the customer. After providing the financial information and transaction information associated with the financial transaction to a financial institution specified in the financial information, the point-of-sale terminal receives a confirmation from the financial institution that the financial transaction has been completed. For example, the confirmation may be received via a credit-authorization-terminal service object that is a driver for the credit-authorization terminal.

Abstract translation: 在金融交易期间，客户提供令牌，其将客户标识给耦合到销售点终端的外围设备（不包括信用授权终端或磁条读取器）。 然后，在作为虚拟外围设备的驱动程序的销售点终端上执行的统一销售点服务对象至少基于令牌执行一个或多个操作以获得与客户相关联的财务信息 。 在向财务信息指定的金融机构提供与金融交易相关的财务信息和交易信息后，销售点终端从金融机构收到金融交易已经完成的确认。 例如，可以通过作为信用授权终端的驱动器的信用授权终端服务对象来接收确认。

公开(公告)号：WO2013112187A1

公开(公告)日：2013-08-01

申请号：PCT/US2012/034844

申请日：2012-04-24

Applicant: INTUIT INC. ,  RAN, Alexander S. ,  LESNER, Christopher Z.

Inventor： RAN, Alexander S. ,  LESNER, Christopher Z.

IPC: H04L9/08 ,  H04L9/32

CPC classification number: H04W12/06 ,  H04L9/0861 ,  H04L9/3242 ,  H04L63/08 ,  H04L63/18 ,  H04L2209/80

Abstract: During a security technique, an electronic device determines a name by a applying a function to a shared secret, which is shared between a user and another user. This name is advertised in a network. After discovery by another electronic device (which is associated with the other user), the electronic device generates a first encrypted message from an unencrypted message using a cryptographic key. The electronic device provides the first encrypted message to the other electronic device, and receives a second encrypted message from the other electronic device. Using the cryptographic key, the electronic device decrypts the second encrypted message. Moreover, the electronic device receives confirmation that the other electronic device was able to decrypt the first encrypted message, thereby authenticating that the secure connection has been established.

Abstract translation: 在安全技术期间，电子设备通过将功能应用于在用户和另一用户之间共享的共享秘密来确定名称。 该名称在网络中通告。 在由另一电子设备发现（与其他用户相关联）之后，电子设备使用加密密钥从未加密消息生成第一加密消息。 电子设备向其他电子设备提供第一加密消息，并从另一电子设备接收第二加密消息。 使用加密密钥，电子设备解密第二加密消息。 此外，电子设备接收到其他电子设备能够解密第一加密消息的确认，从而认证安全连接已建立。

公开(公告)号：WO2012173637A1

公开(公告)日：2012-12-20

申请号：PCT/US2011/049238

申请日：2011-08-25

Applicant: INTUIT INC. ,  RAN, Alexander S. ,  TRIPATHI, Ajay

Inventor： RAN, Alexander S. ,  TRIPATHI, Ajay

IPC: G06F21/20 ,  G06F15/16 ,  H04L9/00

CPC classification number: G06F21/36

Abstract: During a transaction, an electronic device (such as a cellular telephone) captures a gesture performed by a user of the electronic device. This gesture is analyzed to determine salient features, such as accelerations of the electronic device during the gesture and associated time intervals. Then, the electronic device generates a token based on the salient features, and provides the token to a server. When a second token, associated with the token, is received by the server from a second electronic device, the server establishes a secure connection between the electronic device and the second electronic device.

Abstract translation: 在交易期间，电子设备（例如蜂窝电话）捕获由电子设备的用户执行的手势。 分析该手势以确定突出特征，例如在手势和相关联的时间间隔期间电子装置的加速度。 然后，电子设备基于显着特征生成令牌，并将令牌提供给服务器。 当与令牌相关联的第二令牌由服务器从第二电子设备接收时，服务器在电子设备和第二电子设备之间建立安全连接。

公开(公告)号：WO2012071049A1

公开(公告)日：2012-05-31

申请号：PCT/US2010/058170

申请日：2010-11-29

Applicant: INTUIT INC. ,  RAN, Alexander S.

Inventor： RAN, Alexander S.

IPC: H04L9/08

CPC classification number: H04K1/00 ,  H04L9/3218 ,  H04L2209/80 ,  H04W12/02 ,  H04W12/04

Abstract: A technique for establishing a common encrypted link between a first electronic device and a second electronic device in physical proximity in a system is described. During operation of the system, a user of a first electronic device in the system provides a notification that initiates secure device pairing. In response to the notification, the first electronic device conducts a first key exchange in an audible audio spectrum to the second electronic device in the system using a first zero-knowledge protocol. After the first key is received by the second electronic device, the second electronic device conducts a second key exchange in the audible audio spectrum to the first electronic device using a second zero-knowledge protocol, thereby establishing the common encrypted link between the first electronic device and the second electronic device.

Abstract translation: 描述了在系统中物理上接近的第一电子设备和第二电子设备之间建立公共加密链路的技术。 在系统操作期间，系统中的第一电子设备的用户提供启动安全设备配对的通知。 响应于该通知，第一电子设备使用第一零知识协议对系统中的第二电子设备进行可听音频频谱中的第一密钥交换。 在由第二电子设备接收到第一密钥之后，第二电子设备使用第二零知识协议向第一电子设备进行可听音频频谱中的第二密钥交换，由此建立第一电子设备之间的公共加密链路 和第二电子设备。