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公开(公告)号：US20240062285A1
公开(公告)日：2024-02-22
申请号：US18457232
申请日：2023-08-28
摘要： A system and method for redirecting a financial transaction from one account held by a customer at a first issuer to a second account held by the customer at a second issuer comprising receiving a customer request for redirection, identifying the second account to which transactions should be redirected, providing redirection information to a transaction entity, receiving terms for a financial transaction, and performing the financial transaction with respect to the second account.
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公开(公告)号：US20240062263A1
公开(公告)日：2024-02-22
申请号：US18487296
申请日：2023-10-16
IPC分类号： G06Q30/0601 , G06F40/284 , G06F40/30 , G06Q30/02 , G06Q40/02
CPC分类号： G06Q30/0619 , G06F40/284 , G06F40/30 , G06Q30/0281 , G06Q40/02 , H04L51/02
摘要： A device may receive user data associated with a product or service, the user data including a user identifier associated with a user. The device may identify a business application that is relevant to the product or service, the business application being designed to provide the user with a business offer related to the product or service. In addition, the device may provide the user data to the business application and receive, from the business application, business application state data and user response data, the business application state data specifying a partially completed transaction associated with the product or service, and the user response data including information associated with the partially completed transaction. The device may store the business application state data and the user response data, and perform an action based on the business application state data.
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公开(公告)号：US20240062173A1
公开(公告)日：2024-02-22
申请号：US18386024
申请日：2023-11-01
发明人： Bipin M. Sahni , Nikolai Stroke
CPC分类号： G06Q20/102 , G06Q40/02 , G06Q20/40
摘要： A method for providing an application programming interface (API) service that enables a third-party to provide screens that allow account holders to provide credentials to an institution while bypassing the third-party, comprising transmitting an API to a third-party device for integration into a website served by the third-party, the API configured to generate a portal that accepts the credentials without revealing the credentials to the third-party; receiving, via the API integrated into the third-party website, a request for verification of a user; instructing the API integrated into the third-party website to display a screen of the institution within a window through which transmissions can be received directly from the user without the third-party receiving the transmissions; receiving, directly from the user and through the window, user credentials input into the screen without revealing the input user credentials to the third-party; and verifying the user by confirming the user credentials.
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94.发明授权公开(公告)号：US11907955B2
公开(公告)日：2024-02-20
申请号：US17357029
申请日：2021-06-24
申请人： Anchain.ai Inc.
发明人： Chunsheng Victor Fang , Wei Quan , Han Xu , Shuling He
CPC分类号： G06Q20/4016 , G06Q20/38215 , G06Q20/405 , G06Q20/407 , G06Q40/02 , H04L9/3297 , H04L9/50 , H04L2209/56
摘要： A method and apparatus that receive blockchain transaction data from a blockchain ledger to a transaction database, receive intelligence labels from a blockchain ecosystem intelligence database, select a blockchain transaction flow comprising blockchain transactions associated with a digital account source address, digital account intermediate addresses, a digital account destination address, and intermediate transactions, receive input trace parameters, where the input trace parameters include at least one of an objective directional setting, a tracing constraint, and a transaction filter, the transaction filter based on the transaction timestamps and the digital assets transferred, apply the intelligence labels to the digital account source address, the digital account intermediate addresses, and the digital account destination address, apply an artificial intelligence graph search algorithm to the blockchain transaction flow based on the input trace parameters, and generate a report including tracing destination summary statistics of the auto-traced path.
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公开(公告)号：US11907343B2
公开(公告)日：2024-02-20
申请号：US17314683
申请日：2021-05-07
发明人： Viraj Chaudhary , David Septimus , Jenny Melendez , Samuel Rapowitz , Tyler Maiman , Joshua Edwards
CPC分类号： G06F21/31 , G06F16/24564 , G06F21/604 , G06N3/08 , G06Q40/02 , G06F2221/2103
摘要： Methods, systems, and apparatuses are described herein for improving the accuracy of authentication questions using transaction limitations provided by users. A request for access to an account associated with a user may be received from a user device. An account restrictions database may be queried to determine one or more transaction rules associated with the account. The one or more transaction rules may have been created by the user and indicate limitations on financial transactions that may be performed via the account. An authentication question may be generated that is associated with a violation of the one or more transaction rules. The authentication question may be provided to the user device, and a response to the authentication question may be received. Access to the account may be provided to the user device based on the response.
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公开(公告)号：US20240054557A1
公开(公告)日：2024-02-15
申请号：US17887820
申请日：2022-08-15
发明人： Milos DUNJIC , David Samuel TAX , Kushank RASTOGI
CPC分类号： G06Q40/02 , G06Q20/403 , G06Q20/227
摘要： In some aspects, a computing system may include a processor. Also, the computing system may include a communications module coupled to the processor. Furthermore, the computing system may include a memory coupled to the processor, the memory storing instructions that, when executed, configure the computing system to: determine a daily positive modifier amount based on an amount of positive adjustments to an account over an extended time period; determine a daily non-discretionary negative modifier amount based on an amount of non-discretionary negative adjustments to the account over the extended time period; determine a daily discretionary amount based on the daily positive modifier amount and the daily non-discretionary negative modifier amount; detect an expected negative modification event; and in response to detect the expected negative modification event, trigger a notification based on the daily discretionary amount.
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公开(公告)号：US11902275B2
公开(公告)日：2024-02-13
申请号：US17248140
申请日：2021-01-11
CPC分类号： H04L63/0853 , G06F21/32 , G06F21/34 , G06Q20/401 , G06Q20/42 , G06Q40/02 , H04L63/0861 , H04L67/60 , G06F2221/2103 , G06F2221/2113 , H04L2463/082
摘要： In some implementations, a device may receive a notification to authenticate a user associated with a user account of an application server. The device may send, to the user device, an authentication request that prompts the user to provide a contextual description of an operation associated with the user account. The device may receive, from the user device, an authentication response that includes a described characteristic of the operation that is associated with a parameter of the operation. The device may determine whether the authentication response is valid based on a comparison of the described characteristic of the operation and the parameter of the operation. The device may cause, based on a determination that the authentication response is valid, performance of the operation based on the parameter.
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公开(公告)号：US11900753B1
公开(公告)日：2024-02-13
申请号：US17402902
申请日：2021-08-16
IPC分类号： G07D11/36 , G07D11/23 , G07D11/25 , G07D11/30 , G07F19/00 , G07D11/125 , G07D11/60 , G06Q40/02
CPC分类号： G07D11/36 , G06Q40/02 , G07D11/125 , G07D11/23 , G07D11/25 , G07D11/30 , G07D11/60 , G07F19/205 , G07D2211/00 , G07F19/209
摘要： A removable cassette housing for rebalancing bills among storage cassettes is disclosed. The removable cassette housing includes a first docking apparatus and a second docking apparatus structured to receive a first storage cassette and a second storage cassette, respectively, a transport apparatus operatively coupled to the docking apparatuses and a computing system. The transport apparatus is structured to facilitate transferring the bills among the storage cassettes. The computing system is structured to generate a first storage data packet and a second storage data packet associated with the first storage cassette and the second storage cassette, respectively. The computing system is also structured to generate a rebalancing instruction based on at least one of the first storage data packet and the second storage data packet. The cassette housing is structured to cause the transport apparatus to transport bills based on a rebalancing instruction.
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公开(公告)号：US11900383B2
公开(公告)日：2024-02-13
申请号：US17686607
申请日：2022-03-04
发明人： Youxing Qu , Yiwei Cai , Dan Wang , Harishkumar Sundarji Majithiya , Roshni Ann Samuel , Susan Finnegan , Claudia Barcenas , Himanshu Chauhan
CPC分类号： G06Q20/4016 , G06N5/01 , G06Q40/02
摘要： Methods for generating fraud detection rules based on transaction data may include receiving historical transaction data, associating tags with each transaction, generating decision trees having root nodes and child nodes operably connected to the respective root nodes, determining at least one primary rule and at least one set of secondary rules associated with the at least one primary rule based on relationships between features of the transactions, assigning primary rules and sets of secondary rules to the at least one decision tree to populate the tree, extracting a plurality of rule sets including at least one primary rule and one or more secondary rules, determining an ordering of the plurality of rule sets; and determining a subset of rule sets from the ordered plurality of rule sets against which subsequently received transactions are compared against to determine if the subsequent transactions are fraudulent.
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公开(公告)号：US11900343B2
公开(公告)日：2024-02-13
申请号：US16454770
申请日：2019-06-27
发明人： Shantnu Singh
CPC分类号： G06Q20/105 , G06Q20/10 , G06Q20/204 , G06Q20/341 , G06Q20/352 , G06Q20/40 , G06Q20/409 , G06Q40/02
摘要： A payment device for conducting a transaction is provided. The payment device includes a device substrate, a payment device identifier visibly located on the device substrate, and a data storage region contained on or within the payment device. The payment device identifier does not include information identifying an issuer for the payment device. The data storage region comprises a first data storage sub region containing data corresponding to the payment device identifier, and a second data storage sub region electronically isolated from the first data storage sub region and containing data identifying the issuer of the payment device.
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