公开(公告)号：US20240013290A1

公开(公告)日：2024-01-11

申请号：US17861687

申请日：2022-07-11

申请人： Truist Bank

发明人： James Harrison Creager ,  Natalie Stormer

IPC分类号： G06Q40/02

CPC分类号： G06Q40/02

摘要： Features described herein generally relate to customizing an insight display of a graphical user interface based on rules and user customizations. In one example, a system of a service provider can receive a set of user customizations from a client device. The set of user customizations can be for controlling which insights are displayed within a graphical user interface of the client device. The system can acquire a group of insights from an entity that is separate from the service provider. The group of insights can relate to a group of transactions facilitated by the service provider for a user. The system can select a set of insights from among the group of insights based on a predefined set of rules and the set of user customizations. The system can then generate a graphical user interface that includes the set of insights selected from among the group of insights.

公开(公告)号：US20240013110A1

公开(公告)日：2024-01-11

申请号：US18370640

申请日：2023-09-20

申请人： Neu IP, LLC

发明人： Ryan A. Neuweg ,  David E. Bauer ,  José Eduardo Bastos Dos Santos

IPC分类号： G06Q10/0631 ,  G06Q40/02 ,  G06Q10/0637 ,  G06Q10/0639 ,  G06Q40/00 ,  G06Q10/0635 ,  G06Q10/067 ,  G06Q40/03

CPC分类号： G06Q10/063112 ,  G06Q40/02 ,  G06Q10/0637 ,  G06Q10/06393 ,  G06Q40/00 ,  G06Q10/0635 ,  G06Q10/067 ,  G06Q40/03

摘要： A system and method for enhancing assignment of debtor accounts to a plurality of collection parties is presented. The preferred embodiment is capable of optimizing the way by which individual performance entities are assigned to collect on actionable individual debtor accounts by a creditor. An analysis solution uses algorithms to analyze gathered data and to provide a score to each collection party based upon the traits of the individual collection parties, debtor accounts, creditor, externally acquired data, and constraints upon all of the parties involved. The system and method are also capable of enhancing an individual borrower's credit score depending on the risk involved with providing credit to that particular borrower based upon the collectability upon default. One embodiment of the invention would include a risk analysis and compliance assessment system for supply entities to evaluate potential performance entities or other entities.

公开(公告)号：US11869075B2

公开(公告)日：2024-01-09

申请号：US17875760

申请日：2022-07-28

申请人： Capital One Services, LLC

发明人： Jeremy Phillips ,  Elizabeth Epstein

IPC分类号： G06Q40/02 ,  G06Q20/40 ,  G06Q20/04 ,  G06Q20/10

CPC分类号： G06Q40/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/401

摘要： Techniques and apparatus for an interactive element presentation process are described. In one embodiment, for example, an apparatus may include a storage device and logic, at least a portion of the logic implemented in circuitry coupled to the storage device. The logic may operate to maintain a platform database of services selection information based on user selections of a plurality of services, receive an onboarding request from a user device to register a user with a service platform requiring background verification, determine an onboarding request result, and transmit an eligible set of the plurality of service options for presentation on a user device based on a user level of approval and services selection information. Other embodiments are described.

公开(公告)号：US11868977B1

公开(公告)日：2024-01-09

申请号：US17243346

申请日：2021-04-28

申请人： Wells Fargo Bank, N.A.

发明人： Bipin M. Sahni ,  Nikolai Stroke

IPC分类号： G06Q20/40 ,  G06Q20/10 ,  G06Q40/02

CPC分类号： G06Q20/102 ,  G06Q20/40 ,  G06Q40/02

摘要： The described financial institution computing system provides services to customers through an application programming interface (“API”). The services include user identification services to customers and payment services that allow users to pay the customers via the financial institution. The user identification services allow the customers to verify the identity of users as non-fraudulent users. Further the user identification services allow the financial institution to provide known user information to the customers for purposes of prepopulating registration forms, completing transactions, and the like. Further services, such as user account validation services, payment services, and the like are also possible through the financial institution APIs. In some situations, users are registered with the financial institution. For example, a user may also be an account holder with the financial institution. In other situations, the users are not registered with the financial institution.

公开(公告)号：US20240005731A1

公开(公告)日：2024-01-04

申请号：US17856273

申请日：2022-07-01

申请人： IGT

发明人： Jeffery Shepherd ,  Kevin Higgins

IPC分类号： G07F17/32 ,  G06Q20/24 ,  G06Q40/02

CPC分类号： G07F17/3244 ,  G06Q20/24 ,  G06Q40/02 ,  G07F17/3223

摘要： Systems and methods that utilize funds accessed from a gaming establishment credit system to provide an overdraft protection feature to one or more gaming establishment accounts.

公开(公告)号：US20240005416A1

公开(公告)日：2024-01-04

申请号：US18330168

申请日：2023-06-06

申请人： Trinion America, Inc.

发明人： Moon Sun Chung

IPC分类号： G06Q50/00 ,  G06Q10/1093 ,  G06Q40/02 ,  G06F3/0482 ,  G06F3/0484

CPC分类号： G06Q50/01 ,  G06Q10/1095 ,  G06Q40/02 ,  G06F3/0482 ,  G06F3/0484

摘要： An electronic device includes a display; a storage configured to store a plurality of contacts; and a processor. The processor is configured to display the plurality of contacts on the display; receive a first user input for selecting one contact from among the plurality of contacts; and display activity information related to the selected contact and contact history information related to the selected contact on the display, based on the first user input, wherein the activity information includes an activity name, schedule information, place information, asset information, and grade information related to the selected contact, and wherein the asset information includes information on income and expenditure breakdowns related to the activity information.

公开(公告)号：US11861695B2

公开(公告)日：2024-01-02

申请号：US17809471

申请日：2022-06-28

申请人： Xero Limited

发明人： Kieran Gorman ,  Craig Walker

IPC分类号： G06Q40/02 ,  G06Q40/00 ,  G06N20/00

CPC分类号： G06Q40/02 ,  G06Q40/00 ,  G06N20/00

摘要： Methods, systems, and computer programs are presented for reconciling a transaction against data in a database to identify the transaction parameters based on text descriptors provided for the transaction. One method includes an operation for identifying features for reconciling transactions of a first entity by a machine-learning program. The features include, at least, a description of the transaction, a name of a second entity in the transaction, a location of the second entity, and an account for the transaction. The machine-learning program is trained with training data that includes values of the features for previously reconciled transactions. A received first transaction includes a description, a date, and an amount. The first transaction is input for the machine-learning program, which generates one or more suggestions for reconciling the first transaction. Each suggestion includes the name of the second entity in the first transaction and an account.

公开(公告)号：US11861690B2

公开(公告)日：2024-01-02

申请号：US12437205

申请日：2009-05-07

申请人： Benjamin T. Wallach

发明人： Benjamin T. Wallach

IPC分类号： G06Q40/02 ,  G06Q20/10 ,  G06Q30/0207

CPC分类号： G06Q40/02 ,  G06Q20/102 ,  G06Q30/0215

摘要： A system and method of transferring funds includes a communication module configured to provide a user or automated process with an option of setting up an automatic fund transfer from a first payment channel to a second payment channel.

公开(公告)号：US11861574B1

公开(公告)日：2024-01-02

申请号：US17202243

申请日：2021-03-15

申请人： The PNC Financial Services Group, Inc.

发明人： Urich T. Bowers ,  Mecal McDade ,  Todd Tkach ,  Jerry Scheller

IPC分类号： G06Q20/10 ,  G06Q20/40 ,  G06Q20/32 ,  G06N20/00 ,  G06Q30/0283 ,  G06Q40/02 ,  G06Q30/018 ,  G06Q20/02 ,  G06Q50/00

CPC分类号： G06Q20/108 ,  G06N20/00 ,  G06Q20/3221 ,  G06Q20/3223 ,  G06Q20/405 ,  G06Q20/4037 ,  G06Q30/0283 ,  G06Q40/02 ,  G06Q20/023 ,  G06Q30/0185 ,  G06Q50/01

摘要： A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.

公开(公告)号：US20230419298A1

公开(公告)日：2023-12-28

申请号：US18467378

申请日：2023-09-14

申请人： Capital One Services, LLC

发明人： Jade GARRETT ,  David Kelly WURMFELD ,  Michael LITTLEJOHN ,  Michael LOUIE ,  Michael CANAVATCHEL ,  Spencer CUTRELL ,  Steve FALETTI ,  Rex LACY ,  Alexander MEDEIROS

IPC分类号： G06Q20/32 ,  H04W76/10 ,  G06F21/31 ,  G06K19/06 ,  G06Q20/04 ,  G06Q20/20 ,  G06Q20/40 ,  G06Q40/02 ,  H04W12/06

CPC分类号： G06Q20/3274 ,  H04W76/10 ,  G06F21/31 ,  G06K19/06037 ,  G06K19/06112 ,  G06Q20/042 ,  G06Q20/204 ,  G06Q20/208 ,  G06Q20/3272 ,  G06Q20/3276 ,  G06Q20/3278 ,  G06Q20/40145 ,  G06Q40/02 ,  H04W12/06 ,  G06K1/121

摘要： Systems and methods for securely generating and printing documents are disclosed. For example, processor(s) of a computer system may receive information for the document from a computing device through a network, verify the information for the document, and upon verification, generate document generation data using at least a portion of the information for the document. The document generation data may include document metadata that enables generation of an image of the document and/or the image of the document. Upon the processor(s) verifying first authentication information of a first code associated with a printing device received from the computing device through the network and second authentication information of a second code associated with the computing device received from the printing device through the network, the processor(s) may transmit the document generation data to the printing device through the network, and cause the printing device to print the image of the document.