公开(公告)号：US10055794B1

公开(公告)日：2018-08-21

申请号：US14713206

申请日：2015-05-15

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Blake Konrardy ,  Scott T. Christensen ,  Gregory Hayward ,  Scott Farris

IPC: G06Q40/08

CPC classification number: G06Q40/08 ,  B60Q9/00 ,  B60R21/00 ,  B60R2021/0027 ,  B60W30/16 ,  B60W40/09 ,  B60W2040/0818 ,  G05B15/02 ,  G06F17/5009 ,  G06K9/00845 ,  G06Q10/0635 ,  G06Q20/0855 ,  G07C5/008 ,  G07C5/08 ,  G07C5/0816 ,  G07C5/085 ,  G08B21/06 ,  G08B25/08 ,  G08G1/005 ,  G08G1/096725 ,  G08G1/096741 ,  G08G1/09675 ,  G08G1/096758 ,  G08G1/096775 ,  G08G1/096783 ,  G08G1/096791 ,  G08G1/143 ,  G08G1/147 ,  G08G1/164 ,  G08G1/165 ,  G08G1/166 ,  G08G1/167 ,  G08G1/205 ,  H04L67/12 ,  H04W4/44 ,  H04W4/46 ,  H04W4/90

Abstract: Methods and systems for evaluating the effectiveness of autonomous operation features of autonomous vehicles are provided. According to certain aspects, information regarding autonomous operation features associated with a vehicle may be determined and used to determine a likelihood of an accident for the vehicle. Determining the likelihood of an accident may include determining risk factors for the features related to the ability of the features to make control decisions that successfully avoid accidents. This may include reference to test data or actual loss data associated with the features, as well as usage data regarding expected use of the features during vehicle operation. Effectiveness of the features may be evaluated relative to location or operating conditions, as well as types and severity of accidents. The determined effectiveness of the features of a vehicle may further be used to determine or adjust aspects of an insurance policy associated with the vehicle.

公开(公告)号：US10055713B2

公开(公告)日：2018-08-21

申请号：US14724091

申请日：2015-05-28

Applicant: Ingenico Group

Inventor： Pierre Quentin

IPC: G06Q20/40 ,  G06Q40/00 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/38 ,  G06Q20/08 ,  G06Q20/22

CPC classification number: G06Q20/02 ,  G06Q20/0855 ,  G06Q20/10 ,  G06Q20/227 ,  G06Q20/382 ,  G06Q20/4012 ,  G06Q20/405

Abstract: A method and device are provided for delegating an implementation of transactions to an intermediate user. The method includes: at least one first phase of registering at least one payment server with the intermediate server, the first phase delivering, within the intermediate server, a delegating data structure including at least one association between the payment server and at least one list of types of transactions delegated by the payment server to the intermediate server; and at least one second phase of registering at least one user with the intermediate server, the second phase delivering, within the intermediate server, a provisioning data structure including at least one association between a user identifier, a payment server identifier and a user identifier with the payment server.

公开(公告)号：US10002352B2

公开(公告)日：2018-06-19

申请号：US14196545

申请日：2014-03-04

Applicant: BANK OF AMERICA CORPORATION

Inventor： Laura Corinne Bondesen ,  Jason P. Blackhurst ,  Scott Lee Harkey ,  William Blakely Belchee ,  Tammy L. Brunswig

IPC: G06Q40/00 ,  G06Q20/36 ,  G06Q20/08 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/38 ,  G06Q20/40

CPC classification number: G06Q20/363 ,  G06Q20/0855 ,  G06Q20/3278 ,  G06Q20/354 ,  G06Q20/385 ,  G06Q20/4016

Abstract: Embodiments are directed to reducing digital wallet exposure. Embodiments determine that a potential exposure associated with a first payment credential associated with a digital wallet has been detected; determine that the digital wallet has at least one additional associated payment credential; and, in response to determining the potential exposure has been detected and determining that the digital wallet has at least one additional associated payment credential, initiate at least one exposure reduction measure intended to reduce potential exposure to the at least one additional associated payment credential.

公开(公告)号：US20180144373A1

公开(公告)日：2018-05-24

申请号：US15818606

申请日：2017-11-20

Applicant: Andrew Robertson

Inventor： Andrew Robertson

IPC: G06Q30/02 ,  G06F1/16 ,  G06K19/06

CPC classification number: G06Q30/0273 ,  G06F1/1626 ,  G06K19/06028 ,  G06Q20/02 ,  G06Q20/0855 ,  G06Q20/3274 ,  G06Q30/0255 ,  G06Q30/0267 ,  G06Q30/0271

Abstract: Communications systems comprising a mobile communication device having an outwardly visible display such as a casing or display screen that comprises a selectively removable outwardly visible selected message thereon. The outwardly visible selected message can be selectively removable so that a user need not display the message at all time, but only when he or she desires. There can be an alert mechanism to determine and report if the outwardly visible selected message is not outwardly visible. The user can receive compensation for displaying the outwardly visible selected message, or when other users have acquired an offer of products or services from the system, which can be monitored for display time and/or display effectiveness and the compensation adjusted accordingly.

公开(公告)号：US20180137504A1

公开(公告)日：2018-05-17

申请号：US15349540

申请日：2016-11-11

Applicant: MasterCard International Incorporated

Inventor： Peter Goldenberg ,  Johan Gerber ,  Richard Smith

IPC: G06Q20/40 ,  G06Q20/08

CPC classification number: G06Q20/40 ,  G06Q20/085 ,  G06Q20/0855 ,  G06Q20/382 ,  G06Q20/4016 ,  G06Q20/405

Abstract: A transaction message processing server is configured to receive an authorization request message from a sender computing device, the authorization request message associated with a transaction. The server is also configured to detect a decision data element in an authentication outcome data field of the authorization request message, and interpret the decision data element as an indicator that the transaction is highly authenticated. The server is further configured to retrieve a reason code that identifies the transaction as a highly authenticated transaction, and embed the reason code into the authorization request message to form an enhanced authorization request message. The server is still further configured to transmit the enhanced authorization request message including the reason code to an issuer computing device, wherein the enhanced authorization request message is configured to enable the issuer computing device to bypass at least one issuer authentication process.

公开(公告)号：US20180108103A1

公开(公告)日：2018-04-19

申请号：US15821876

申请日：2017-11-24

Applicant: BEIJING DIDI INFINITY TECHNOLOGY AND DEVELOPMENT CO., LTD.

Inventor： Junqin Li ,  Guojiao Tai ,  Zhenghua Wu ,  Zhongyu Cao ,  Xinrui Li ,  Yang Zhou

IPC: G06Q50/30 ,  G06F17/30 ,  G08G1/00 ,  G06Q10/06

CPC classification number: G06Q50/30 ,  G06F16/29 ,  G06Q10/02 ,  G06Q10/063112 ,  G06Q10/06315 ,  G06Q20/0855 ,  G06Q20/145 ,  G06Q20/18 ,  G06Q20/322 ,  G06Q20/3224 ,  G07F17/0057 ,  G08G1/005 ,  G08G1/202 ,  H04W4/02 ,  H04W4/029

Abstract: A method for monitoring on route transportations includes obtaining, from a first passenger terminal, a transportation service request for a transportation service including a pickup location and a drop-off location; before selecting a vehicle to provide the transportation service: obtaining status information of a plurality of vehicles from a plurality of driver terminals within a first predetermined region around the pickup location, wherein each of the plurality of vehicles corresponds to a driver terminal of the plurality of driver terminals; determining from the plurality of vehicles, at least one candidate vehicle available to provide the transportation service based on the status information of the plurality of vehicles; and sending a real-time position of each of the at least one candidate vehicle to the first passenger terminal to display a tag of the at least one candidate vehicle in an electronic map on the first passenger terminal.

公开(公告)号：US20180075418A1

公开(公告)日：2018-03-15

申请号：US15705879

申请日：2017-09-15

Applicant: PAYPAL, INC.

Inventor： Joshua Knox ,  Benjamin Mills ,  Rohit Turumella ,  Chris Sanger ,  Michael Nussbaum

IPC: G06Q20/08 ,  G06Q20/12 ,  G06F21/62

CPC classification number: G06Q20/0855 ,  G06F21/6245 ,  G06Q20/12 ,  G06Q20/3821 ,  G06Q20/385 ,  H04L67/02

Abstract: Techniques for providing access to scope-delimited sensitive data are disclosed. A user provides sensitive data to a first party associated with a payment service provider. The first party stores the sensitive data with the payment service provider, and the payment service provider provides the first party merchant with an encoding of the payment data. The first party provides a purchasing opportunity to the user for goods offered by a third party also associated with the payment service provider. The first party transmits a sensitive data grant request to the payment service provider. In response, the payment service provides a scope-delimited encoding of the sensitive data. The first party provides the scope-delimited encoding of the payment data to the third party. The third party merchant creates a transaction using the scope-delimited encoding of the sensitive data. At some time later, access to the scope-delimited encoding of the sensitive data is revoked.

公开(公告)号：US09911117B1

公开(公告)日：2018-03-06

申请号：US12640972

申请日：2009-12-17

Applicant: Glenn Cobourm Everhart

Inventor： Glenn Cobourm Everhart

IPC: G06Q20/00 ,  G06Q20/36 ,  G06Q20/10 ,  G06Q20/38 ,  G06Q20/08 ,  G06Q99/00

CPC classification number: G06Q20/3674 ,  G06Q20/00 ,  G06Q20/08 ,  G06Q20/0855 ,  G06Q20/10 ,  G06Q20/341 ,  G06Q20/382 ,  G06Q20/388 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q20/40975 ,  G06Q99/00 ,  G07F7/1008 ,  G07F7/1016

Abstract: The systems and methods of the invention provide a technique for authenticating a finance related transaction. The method may include providing a token which contains a token counter, the token counter periodically advancing to generate a changing token value, the token counter being synchronized to a base counter that generates an authenticating value; transforming the token value into a token output sequence using logic; and outputting at least part of the token output sequence to an authenticating authority, the authenticating authority having access to the authenticating value. Further, the method includes the authenticating authority verifying the validity of the transaction based on the token output sequence and the authenticating value, from which the authenticating authority obtains a verification sequence using the logic, the verifying the validity including the authenticating authority comparing the token output sequence to the verification sequence to determine if there is a match between the token output sequence and the verification sequence.

公开(公告)号：US20180060505A1

公开(公告)日：2018-03-01

申请号：US15247961

申请日：2016-08-26

Applicant: SAP SE

Inventor： Jan GABRIEL ,  Torsten Born

IPC: G06F19/00

CPC classification number: G16H40/63 ,  G06Q10/10 ,  G06Q20/0453 ,  G06Q20/0855 ,  G06Q20/102 ,  G06Q20/227 ,  G06Q20/3821 ,  G06Q20/389 ,  G06Q30/04 ,  G06Q30/0601

Abstract: An electronic payment system, a computer-implemented method, and a computer readable medium having stored thereon a computer executable program code for processing of the electronic medical invoices and reimbursement of medical costs is disclosed herein. The electronic payment system comprises a server operable for execution of an application management component and a set of server applications comprising receiver applications and processing applications, wherein the server comprises a processing unit and a memory storing computer executable code which when executed by the processing unit cases the server to execute the computer-implemented method.

公开(公告)号：US09892386B2

公开(公告)日：2018-02-13

申请号：US15201152

申请日：2016-07-01

Applicant: Mozido, Inc.

Inventor： Michael A. Liberty

IPC: G06Q40/00 ,  G06Q20/00 ,  G06Q20/10 ,  G06Q20/08 ,  G06Q40/02 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q20/36 ,  H04L29/06

CPC classification number: G06Q20/10 ,  G06Q20/0855 ,  G06Q20/322 ,  G06Q20/3255 ,  G06Q20/36 ,  G06Q20/405 ,  G06Q40/02 ,  H04L63/101

Abstract: Embodiments are directed to monetary transaction system for conducting monetary transactions between transaction system subscribers and other entities. In one scenario, the monetary transaction system includes a mobile device that runs a monetary transaction system application. The monetary transaction system also includes a subscriber that has a profile with the system. The subscriber indicates a transaction that is to be performed with the monetary transaction system. The system further includes a monetary transaction system processor that performs the transactions specified by the subscriber including communicating with a monetary transaction database to determine whether the transaction is permissible based on data indicated in the subscriber's profile. The monetary transaction system also includes at least one entity that is to be involved in the specified transaction, where the entity has a profile with the monetary transaction system. This entity may be a person, a retail store, an agent or other entity.