公开(公告)号：US12099980B1

公开(公告)日：2024-09-24

申请号：US17393301

申请日：2021-08-03

申请人： The PNC Financial Services Group, Inc.

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

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

CPC分类号： G06Q20/108 ,  G06N20/00 ,  G06Q20/3221 ,  G06Q20/3223 ,  G06Q20/4037 ,  G06Q20/405 ,  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：US20240311932A1

公开(公告)日：2024-09-19

申请号：US18673952

申请日：2024-05-24

申请人： Wells Fargo Bank, N.A.

发明人： Chandrasekaran Sivaraman ,  Priya R. Radia ,  Ashalatha Seetharam ,  Susmita Santra ,  Manas Ranjan Sahu ,  Mothi Mai Malli Viswanathan ,  Rajesh P. Mannachery ,  Shanmukeswara Rao Donkada

IPC分类号： G06Q50/00 ,  G06F16/28 ,  G06N20/00 ,  G06Q30/0282 ,  G06Q40/02

CPC分类号： G06Q50/01 ,  G06F16/285 ,  G06N20/00 ,  G06Q30/0282 ,  G06Q40/02

摘要： An electronic social network can be provided that unifies products and services of one or more entities, such as financial institutions. Users of the social network can provide input regarding one or more products or services. Feedback can be solicited from other users of the social network regarding the input, and a score can be generated for a user that represents a level of agreement of the other users. A recommendation is generated and conveyed to users of the social network based on the score and user profile of the user associated with the score.

公开(公告)号：US20240311806A1

公开(公告)日：2024-09-19

申请号：US18675868

申请日：2024-05-28

申请人： Mastercard International Incorporated

发明人： Thomas TREITLINGER ,  Jose PEREIRA ,  Eduardo ANDRADE ,  Sébastien LE CALLONNEC ,  Lauren GRENDON

IPC分类号： G06Q20/38 ,  G06Q20/40 ,  G06Q40/02 ,  H04L9/00 ,  H04L9/32

CPC分类号： G06Q20/381 ,  G06Q20/3825 ,  G06Q20/3829 ,  G06Q20/389 ,  G06Q20/4014 ,  G06Q40/02 ,  H04L9/008 ,  H04L9/3247

摘要： A method for conversion of digital assets to fiat currency using a secondary blockchain and mirrored accounting includes: receiving transaction data corresponding to a first blockchain transaction processed using a first blockchain, the transaction data including a payer identifier, recipient identifier, and blockchain currency amount; validating an entity as an authorized entity associated with the payer identifier; determining a fiat currency amount based on the blockchain currency amount; generating a second blockchain transaction, the second blockchain transaction including an unspent transaction output, destination address associated with the authorized entity, and the blockchain currency amount and/or the fiat currency amount; confirming addition of the second blockchain transaction to a second blockchain; and initiating a transfer for the fiat currency amount from a first transaction account to a second transaction account, the second transaction account being associated with the authorized entity.

公开(公告)号：US12093998B2

公开(公告)日：2024-09-17

申请号：US17940278

申请日：2022-09-08

申请人： Capital One Services, LLC

发明人： Gagan Kanjlia ,  Scott Zimmer ,  Robert J. Larson ,  Alexander S. Wilson ,  Vishal Puri ,  Jay F. Pober

IPC分类号： G06Q40/02 ,  G06Q20/10 ,  G06Q20/22 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q30/02 ,  G06Q40/03

CPC分类号： G06Q40/02 ,  G06Q20/10 ,  G06Q20/22 ,  G06Q20/223 ,  G06Q20/3223 ,  G06Q20/4014 ,  G06Q30/02 ,  G06Q40/03

摘要： In some embodiments, one or more user interfaces for facilitating personal payment transactions may be provided. In some embodiments, one or more first interfaces may be generated for a payer to effectuate a personal payment transaction. A location of a user device associated with the payer may be obtained. Based on the obtained location of the user device, one or more suggested payees for presentation on the first interfaces may be provided. An indication of a selected payee (from the suggested payees) may be obtained from the payer via the first interfaces. Options to fund a personal payment to the selected payee may be provided for presentation on the first interfaces. One or more options for routing the personal payment associated with the personal payment transaction may be provided to the payer via the first interfaces.

公开(公告)号：US12093986B2

公开(公告)日：2024-09-17

申请号：US17561135

申请日：2021-12-23

申请人： Capital One Services, LLC

发明人： Leslie Lindsey ,  Margaret Erlandson ,  Abhinav Sharma ,  Neeraj Kumar

IPC分类号： G06Q30/0601 ,  G06F3/04847 ,  G06F16/954 ,  G06Q10/083 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q40/02 ,  H04L51/58 ,  H04L67/02 ,  H04L67/55 ,  H04W4/40 ,  G06Q10/107 ,  G06Q10/109 ,  H04B1/3827

CPC分类号： G06Q30/0605 ,  G06F3/04847 ,  G06F16/954 ,  G06Q10/083 ,  G06Q20/108 ,  G06Q20/3223 ,  G06Q20/3255 ,  G06Q30/0633 ,  G06Q40/02 ,  H04L51/58 ,  H04L67/02 ,  H04L67/55 ,  H04W4/40 ,  G06Q10/107 ,  G06Q10/109 ,  H04B1/3827

摘要： A method includes receiving a request to initiate a group gift indicating a gift date on which the group gift should be sent to a receiver of the gift. The method further includes determining, electronic devices to send invitations to contribute to the group gift and sending the invitations to the electronic devices. The invitations prompt a user to respond with a single action whether the user would like to contribute or not. The method further includes receiving responses from the electronic devices indicating an approval to contribute to the group gift or a refusal to contribute to the group gift. The method further includes initiating a physical gift purchase as part of the group gift and sending a message to a gift receiver electronic device that includes information about a monetary gift.

公开(公告)号：US12086874B2

公开(公告)日：2024-09-10

申请号：US16742766

申请日：2020-01-14

申请人： Yuh-shen Song ,  Catherine Lew ,  Alexander Song ,  Victoria Song

发明人： Yuh-shen Song ,  Catherine Lew ,  Alexander Song ,  Victoria Song

IPC分类号： G06Q40/02 ,  G06F16/22 ,  G06F16/28 ,  G06Q10/10 ,  G06Q20/40 ,  G06Q30/018 ,  G06Q40/12 ,  G06Q50/26

CPC分类号： G06Q40/02 ,  G06F16/22 ,  G06F16/285 ,  G06Q10/10 ,  G06Q20/4016 ,  G06Q30/0185 ,  G06Q40/125 ,  G06Q50/26 ,  G06Q50/265

摘要： An intelligent alert system triggers potential cases based on a set of scenarios and sends the potential cases to investigators. After the investigation, the intelligent alert system records in a database the investigation results for each potential case, the associated set of scenarios that triggered the potential case, and the date and the time of such investigation. As a result, the intelligent alert system can gradually learn from the investigators and will automatically make decisions for some future potential cases with little human involvement.

公开(公告)号：US20240296510A1

公开(公告)日：2024-09-05

申请号：US18647386

申请日：2024-04-26

申请人： State Farm Mutual Automobile Insurance Company

发明人： Edward W. Breitweiser ,  Larry Ingrum ,  Brian A. Steigerwald ,  Shreeti Banerjee

IPC分类号： G06Q50/18 ,  G06F21/62 ,  G06N20/00 ,  G06Q10/10 ,  G06Q10/20 ,  G06Q30/0203 ,  G06Q40/02 ,  G06Q40/08 ,  G06Q40/12 ,  G06Q50/00 ,  G06Q50/16 ,  G07C5/00 ,  G16H10/60 ,  G16H40/67 ,  H04L51/02 ,  H04L51/04 ,  H04L67/12

CPC分类号： G06Q50/186 ,  G06F21/6245 ,  G06N20/00 ,  G06Q10/10 ,  G06Q10/20 ,  G06Q30/0203 ,  G06Q40/02 ,  G06Q40/08 ,  G06Q40/12 ,  G06Q50/01 ,  G06Q50/16 ,  G07C5/008 ,  G16H10/60 ,  G16H40/67 ,  H04L51/02 ,  H04L51/04 ,  H04L67/12

摘要： A computer-implement method and computer system may be configured to facilitate policyholder setup in connection with estate handling. An audible or visible chatbot avator or dopplegänger may lead a trustee, beneficiary, or family member through the estate of an impaired or deceased user. A computer system may have been provided with, or gather, sample voice and visual recordings associated with a user that are used to build the chatbot avatar that simulates the user audibly and/or visually. The computer system may have previously prompted the user for necessary items to properly handle their estate, such as information related to financial accounts, loans, insurance policies, etc. and user names and passwords to various electronic accounts.

公开(公告)号：US12079864B2

公开(公告)日：2024-09-03

申请号：US18124911

申请日：2023-03-22

申请人： Capital One Services, LLC

发明人： Jeffrey Rule ,  Michelle Olenoski

IPC分类号： G06K15/00 ,  G06F16/23 ,  G06N5/04 ,  G06N20/00 ,  G06Q10/0631 ,  G06Q20/34 ,  G06Q20/40 ,  G06Q40/02 ,  H04L9/40 ,  H04L67/06 ,  H04L67/306 ,  H04L67/54 ,  G06F3/0481

CPC分类号： G06Q40/02 ,  G06F16/2379 ,  G06N5/04 ,  G06N20/00 ,  G06Q10/06316 ,  G06Q20/352 ,  G06Q20/409 ,  H04L63/083 ,  H04L67/06 ,  H04L67/306 ,  H04L67/54 ,  G06F3/0481 ,  G06Q2220/00 ,  H04L2463/082

摘要： In a method for changing a user's bank account information in merchant account databases a server receives a login request including a user identification and first user authentication information. The server further receives a request to change bank account information from a first bank account to a second bank account for merchant accounts of the user and network login information for the first bank account. The server accesses an account information database for the first bank account and downloads transaction information for merchant transactions involving the first bank account. The server identifies a set of merchant user accounts involved in the merchant transactions and receives account login information for a data site associated with a selected account. The server accesses the data site and changes a bank account identification stored therein from the first bank account to the second bank account.

公开(公告)号：US12079788B2

公开(公告)日：2024-09-03

申请号：US18139033

申请日：2023-04-25

申请人： CPI CARD GROUP-TENNESSEE, INC.

发明人： Bobby Smith ,  James White

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

CPC分类号： G06Q20/105 ,  G06Q20/4012 ,  G06Q40/02

摘要： A method for issuing a personalized financial transaction card including receiving customer information and card information from a customer at the branch location, the card information including a card PIN, inputting the customer information and at least some the card information into a data processing terminal at the branch, communicating the customer information and the card information across a network to a card services provider, entering the PIN into a PIN database, generating a reference number, storing the reference number and at least some of the customer data and card data in a card file, retrieving the PIN from the PIN database, using the retrieved PIN to apply calculations to the card file, securely sending the card file from the card services provider across the network to the branch location, and using information from the card file, printing the financial transaction card for the customer at the branch location.

公开(公告)号：US20240281892A1

公开(公告)日：2024-08-22

申请号：US18436903

申请日：2024-02-08

申请人： Salus Finance, LLC

发明人： Robert Alan Bull

IPC分类号： G06Q40/08 ,  G06N3/042 ,  G06N3/08 ,  G06Q10/10 ,  G06Q20/08 ,  G06Q20/14 ,  G06Q20/40 ,  G06Q30/018 ,  G06Q30/04 ,  G06Q40/02 ,  G06Q40/12 ,  G06Q50/26

CPC分类号： G06Q40/08 ,  G06N3/042 ,  G06N3/08 ,  G06Q10/10 ,  G06Q20/085 ,  G06Q20/14 ,  G06Q20/405 ,  G06Q30/0185 ,  G06Q30/04 ,  G06Q40/02 ,  G06Q40/12 ,  G06Q50/26

摘要： A system for reconciling invoices includes: an input port receiving benefits information related to insurance benefits recipients and invoices from one or more benefits vendors; a rules engine enforcing rules on the benefits information, the rules engine being configured to monitor the benefits information for determining exceptions based on the rules; a processing unit including a reconciliation module, the reconciliation module analyzing and comparing each invoice against the benefits information to detect any inaccuracies in each invoice, the inaccuracies being designated as exceptions. For each invoice where there is at least one exception, the processing unit is configured to determine whether to include, exclude, or modify the invoice based on a feedback signal from a client device. In response to the feedback signal indicating exclude, the processing unit calculates an adjusted invoice amount by excluding at least one fee associated with the at least one exception.