公开(公告)号：US12067509B2

公开(公告)日：2024-08-20

申请号：US16901461

申请日：2020-06-15

申请人： Capital One Services, LLC

发明人： Jeremy Phillips ,  James Newton ,  Justin Crist Lee

IPC分类号： G06Q10/06 ,  G06F16/29 ,  G06F18/22 ,  G06N20/00 ,  G06Q10/0631 ,  G06Q10/0833 ,  G06Q40/02

CPC分类号： G06Q10/0631 ,  G06F16/29 ,  G06F18/22 ,  G06N20/00 ,  G06Q10/0833 ,  G06Q40/02

摘要： Various embodiments are generally directed to techniques to facilitating delivery of a package or sensitive item to a user, where the package or sensitive item can be a credit card or debit card. Various techniques, methods, systems, and apparatuses include utilizing one or more factors for determining an optimal delivery location or path in relation to the user obtaining the sensitive package or item. Various embodiments can provide the user or the delivery courier with an interface that maps or otherwise indicates, by a color-scheme or other suitable scheme, one or more of demand and availability of the sensitive item or package in relation to a receiving or delivery location, where in various embodiments, the mapping or scheme associated with demand and availability can be based in whole or in part on the one or more factors associated with optimal delivery.

公开(公告)号：US20240273624A1

公开(公告)日：2024-08-15

申请号：US18618669

申请日：2024-03-27

申请人： Jura Pentium AG

发明人： Ophelia Snyder ,  Hany Rashwan

IPC分类号： G06Q40/04 ,  G06F9/54 ,  G06F16/25 ,  G06F21/60 ,  G06Q20/06 ,  G06Q20/10 ,  G06Q20/36 ,  G06Q20/40 ,  G06Q20/42 ,  G06Q40/02 ,  G06Q40/12 ,  H04L9/00 ,  H04L9/06

CPC分类号： G06Q40/04 ,  G06F9/547 ,  G06F16/254 ,  G06F21/602 ,  G06Q20/0655 ,  G06Q20/108 ,  G06Q20/3672 ,  G06Q20/3678 ,  G06Q20/4014 ,  G06Q20/42 ,  G06Q40/02 ,  G06Q40/12 ,  H04L9/0637 ,  G06Q2220/00 ,  H04L9/50 ,  H04L2209/56

摘要： A crypto ETP is administered by a portfolio modeling computer/(PMC), a fund administration computer/(FAC), an order taking platform computer/(OTP), a custodian computer/(CC), and a paying agent settlement computer/(PASC). The PMC defines the ETP and captures data for a cryptocurrency index. The CC tracks Underlying Assets held by the ETP, and sends the data to the FAC, which calculates the NAV of the Underlying Assets to generate a Portfolio Composite File/(PCF) sent to the OTP. The OTP receives and validates/confirms with the CC, orders for creations and redemptions of the ETP from Authorized Parties/(APs), in exchange for the Underlying Assets and/or cryptocurrency. The PASC provides settlement on the Exchange in cryptocurrency by: receiving confirmation from the CC of transfer of underlyings, ETPs or cryptocurrency from the APs to a blockchain wallet associated with the PCM; and issuing units of the ETPs, underlyings or cryptocurrency to the APs.

公开(公告)号：US20240273619A1

公开(公告)日：2024-08-15

申请号：US17661166

申请日：2022-04-28

申请人： Wells Fargo Bank, N.A.

发明人： Jason V. Biala ,  Miriam Felecia Clark ,  Ryan Lee Hammond ,  Margaret Seter Honeycutt ,  Jason Huang ,  Julio Jiron ,  Dennis E. Montenegro ,  Sadie S. Salim ,  Christopher Sipanya ,  Sergey Yamandiy ,  Wyman Yu ,  Konstantin N. Zheludkov

IPC分类号： G06Q40/02 ,  G06Q20/10

CPC分类号： G06Q40/02 ,  G06Q20/108

摘要： Systems and methods may generally be used to link two or more accounts. An example method may include creating a first savings account for a first user for a particular purchase and linking the first savings account to a second savings account of a second user for the particular purchase. The method may include receiving a goal for one of the first or second savings accounts. A suggested action for the first user may be determined using a trained model based on the particular purchase, the goal, and the first and second savings accounts. The suggested action may be output for display, such as on a user interface.

公开(公告)号：US12062088B1

公开(公告)日：2024-08-13

申请号：US17539641

申请日：2021-12-01

申请人： UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)

发明人： Reynaldo Medina ,  Bharat Prasad

IPC分类号： G06Q40/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06T5/40 ,  G06T7/11 ,  G06T7/12 ,  G06V10/10 ,  G06V10/20 ,  G06V10/44 ,  G06V10/50 ,  G06V20/62 ,  G06V30/416 ,  H04N1/40 ,  H04N23/00

CPC分类号： G06Q40/02 ,  G06Q20/042 ,  G06Q20/0425 ,  G06Q20/1085 ,  G06T5/40 ,  G06T7/11 ,  G06T7/12 ,  G06V10/10 ,  G06V10/20 ,  G06V10/443 ,  G06V10/50 ,  G06V20/63 ,  G06V30/416 ,  H04N1/40012 ,  H04N23/00 ,  G06T2207/20132

摘要： The present application is directed to apparatuses, methods, and systems for remote deposit capture with enhanced image detection. In one form, a system includes a processor configured to extract an instrument image from an image that is associated with an account, where the instrument image is extracted by determining at least one corner of a plurality of corners of an instrument in the image, and to transmit the instrument image to a financial institution server to transfer funds between financial institution accounts.

公开(公告)号：US20240256979A1

公开(公告)日：2024-08-01

申请号：US18632235

申请日：2024-04-10

申请人： Armis Security Ltd.

发明人： Tom Hanetz ,  Yuval Friedlander

IPC分类号： G06N20/00 ,  G06F16/35 ,  G06F18/2113 ,  G06F18/213 ,  G06F18/214 ,  G06F18/24 ,  G06F18/241 ,  G06F18/2431 ,  G06Q40/02 ,  G06V30/24 ,  H04L9/40 ,  H04L43/0817

CPC分类号： G06N20/00 ,  G06F16/35 ,  G06F18/2113 ,  G06F18/213 ,  G06F18/214 ,  G06F18/241 ,  G06F18/2431 ,  G06F18/24765 ,  G06Q40/02 ,  H04L43/0817 ,  H04L63/14 ,  H04L63/1408 ,  G06V30/2528

摘要： A system and method for determining device attributes using a classifier hierarchy. The method includes: sequentially applying a plurality of sub-models of a hierarchy to a plurality of features extracted from device activity data, wherein the sequential application ends with applying a last sub-model of the plurality of sub-models, wherein each sub-model includes a plurality of classifiers, wherein each sub-model outputs a class when applied to at least a portion of the plurality of features, wherein each class is a classifier output representing a device attribute, wherein applying the plurality of sub-models further comprises iteratively determining a next sub-model to apply based on the class output by a most recently applied sub-model and the hierarchy; and determining a device attribute based on the class output by the last sub-model.

公开(公告)号：US12050957B2

公开(公告)日：2024-07-30

申请号：US18125273

申请日：2023-03-23

申请人： Capital One Services, LLC

发明人： George Bergeron ,  Bryant Yee ,  Mykhaylo Bulgakov

IPC分类号： G06K7/10 ,  G06F3/14 ,  G06F21/62 ,  G06Q40/02 ,  H04L9/08 ,  H04L9/32 ,  G06F3/0484

CPC分类号： G06K7/10297 ,  G06F3/14 ,  G06F21/6245 ,  G06Q40/02 ,  H04L9/0861 ,  H04L9/3226 ,  G06F3/0484

摘要： Various embodiments are generally directed to improving card security by providing a user a contactless card with no sensitive card information, such as card number, card verification value, and expiration date, printed thereon, and displaying the sensitive card information relative to the card in augmented reality (AR) based on successful NFC-based user authentication. According to examples, the NFC-based user authentication may be performed by one-tapping or single tapping the contactless card to user mobile device. One or more portions of the sensitive card information may be obfuscated to further enhance card security. Moreover, the user can interact with AR elements including the sensitive card information to perform various actions.

公开(公告)号：US12047413B2

公开(公告)日：2024-07-23

申请号：US17549448

申请日：2021-12-13

申请人： Vocalink Limited

发明人： Graham David Chester ,  Syed Asim Ali Shah ,  Sebastian Ix

IPC分类号： H04L9/40 ,  G06F18/214 ,  G06N3/04 ,  G06N20/00 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q40/02 ,  H04L51/02 ,  H04L51/216

CPC分类号： H04L63/1483 ,  G06F18/214 ,  G06N3/04 ,  G06N20/00 ,  G06Q20/386 ,  G06Q20/389 ,  G06Q20/4016 ,  G06Q40/02 ,  H04L51/02 ,  H04L51/216 ,  H04L63/1416 ,  H04L63/20

摘要： An apparatus, method and computer program product are provided, the apparatus for identifying a set of messages of interest in a network, the apparatus comprising circuitry configured to: receive information of a plurality of sets of messages which have been exchanged by nodes in a network; select a portion of the plurality of sets of messages which have been received using a property of a source message of each set of messages of the plurality of sets of messages; generate individual first values for the nodes of each set of messages of the selected portion of the plurality of sets of messages using a property of the nodes associated with each set of messages; and identify at least one set of messages of the selected portion of the plurality of sets of messages as a set of messages of interest using the individual first values which have been generated for the selected portion of the sets of messages.

公开(公告)号：US12045784B2

公开(公告)日：2024-07-23

申请号：US18049071

申请日：2022-10-24

申请人： Deluxe Corporation

发明人： Rodney Pete Springhetti ,  Lawrence Francis Buettner ,  Samuel William Golbach ,  Christopher Wade Clausen

IPC分类号： G06Q20/04 ,  G06F9/54 ,  G06F16/23 ,  G06F16/27 ,  G06Q10/10 ,  G06Q20/40 ,  G06Q30/04 ,  G06Q40/02 ,  G06Q50/26

CPC分类号： G06Q20/0425 ,  G06F9/54 ,  G06F16/2379 ,  G06F16/27 ,  G06Q10/10 ,  G06Q20/4016 ,  G06Q30/04 ,  G06Q40/02 ,  G06Q50/26 ,  G06Q2220/00

摘要： The present subject matter involves a system and method for producing and processing electronic transactions, including electronic checks, in a secure manner. In various embodiments, a secure server provides an electronic check service that maps payees to participating lockbox service providers and provides electronic payment instructions from the payor to the lockbox service providers to process payments to the payees. In various embodiments, a check is printed to fulfill Check21 Act requirements, electronic images are obtained of front and back of the printed check, and check image pairs are created of the electronic images of the front and back of the printed check. In various embodiments, paper items are processed where the electronic check service does not find an electronic deposit match. In various embodiments, the electronic lockbox files are used in a secure electronic payment platform that assists in the generation of electronic checks.

公开(公告)号：US12045716B2

公开(公告)日：2024-07-23

申请号：US17020496

申请日：2020-09-14

申请人： Lucinity ehf

发明人： Justin Bercich ,  Theresa Bercich ,  Gudmundur Runar Kristjansson ,  Anush Vasudevan

IPC分类号： G06N3/08 ,  G06N3/045 ,  G06Q30/018 ,  G06Q40/02 ,  G06Q50/26

CPC分类号： G06N3/08 ,  G06N3/045 ,  G06Q30/0185 ,  G06Q40/02 ,  G06Q50/265

摘要： A method of updating a first neural network is disclosed. The method includes providing a computer system with a computer-readable memory that stores specific computer-executable instructions for the first neural network and a second neural network separate from the first neural network. The method also includes providing one or more processors in communication with the computer-readable memory. The one or more processors are programmed by the computer-executable instructions to at least process a first data with the first neural network, process a second data with the second neural network, update a weight in a node of the second neural network by a delta amount as a function of the processing of the second data with the second neural network, and update a weight in a node of the first neural network as a function of the delta amount. A computer system for updating a first neural network is also disclosed. Other features of the preferred embodiments are also disclosed.

公开(公告)号：US20240242271A1

公开(公告)日：2024-07-18

申请号：US18154291

申请日：2023-01-13

申请人： Truist Bank

发明人： Randy Eric Borth ,  Candice Mercer Roberts ,  WeiJen Lu

IPC分类号： G06Q40/02

CPC分类号： G06Q40/02

摘要： A method and system for transaction data integration and enrichment in an online banking system. A first external source of transaction data is merged with a bank's transaction data into a combined database wherein entries in common data fields are resolved, and additional data fields are provided for each transaction. A second external source of transaction data may also be merged with the combined database, providing another option for common data fields, and further additional data fields. Other external data sources may include data describing external accounts, where all of the accounts are loaded in an aggregated database. The combined database and the aggregated database are presented to the customer where the transaction data is consistent across all data sources, each transaction record includes supplemental data from the external sources, actionable links are provided to external systems, and financial insights are enhanced by the external account data.