公开(公告)号：US20240070636A1

公开(公告)日：2024-02-29

申请号：US17894763

申请日：2022-08-24

Applicant: Truist Bank

Inventor： Stephen Gary Hess

IPC: G06Q20/10 ,  G06Q20/32 ,  G06Q20/40

CPC classification number: G06Q20/1085 ,  G06Q20/102 ,  G06Q20/3221 ,  G06Q20/3274 ,  G06Q20/3278 ,  G06Q20/40

Abstract: A computer-implemented method includes receiving a pre-entry request for a distributed transaction from a mobile device. The method also includes querying a bank server for permission to execute the distributed transaction. Additionally, the method includes issuing a completion code for the distributed transaction to the mobile device. Further, the method includes receiving the completion code at an automated teller machine (ATM) from the mobile device that verifies authorization of the ATM to complete the distributed transaction. Furthermore, the method includes actuating the ATM in compliance with the distributed transaction to complete the distributed transaction.

公开(公告)号：US20240062179A1

公开(公告)日：2024-02-22

申请号：US18271375

申请日：2022-01-21

Applicant: Blackhawk Network, Inc.

Inventor： RICHARD A. GOTLIEB ,  PRASHANT NEDUNGADI ,  VIPIN DAS ANANTHA MOHANDAS ,  RYAN KOOP ,  GINO GIUNTI ,  MELISSA MURILLO

IPC: G06Q20/20 ,  G06Q50/34 ,  G06Q20/40 ,  G07F17/32

CPC classification number: G06Q20/20 ,  G06Q50/34 ,  G06Q20/40 ,  G07F17/329 ,  G07F17/3225

Abstract: Systems and methods for completing a transaction request via receiving payment at a point of sale comprising: a lottery ticket provider, wherein the lottery ticket provider is remote from an originating location of the transaction request and wherein the lottery ticket provider comprises: a processing device; a user device; a fulfilment computer device; a lottery ticket; and a lottery ticket approved sales location database.

公开(公告)号：US20240062173A1

公开(公告)日：2024-02-22

申请号：US18386024

申请日：2023-11-01

Applicant: Wells Fargo Bank, N.A.

Inventor： Bipin M. Sahni ,  Nikolai Stroke

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

CPC classification number: G06Q20/102 ,  G06Q40/02 ,  G06Q20/40

Abstract: 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.

公开(公告)号：US11907945B2

公开(公告)日：2024-02-20

申请号：US17902386

申请日：2022-09-02

Applicant: The Toronto-Dominion Bank

Inventor： Christopher Mark Jones ,  Barry Wayne Baird, Jr. ,  Claude Bernell Lawrence, Jr. ,  Jonathan Joseph Prendergast

IPC: G06Q20/32 ,  G06Q20/40 ,  G06Q20/10 ,  G06Q30/0238 ,  G06Q30/0251

CPC classification number: G06Q20/40 ,  G06Q20/10 ,  G06Q20/3224 ,  G06Q30/0238 ,  G06Q30/0261

Abstract: The disclosed embodiments include computer-implemented processes that determine, in real time, counterparty geolocation location based on structured messaging data, such as messaging data maintained within message fields of a request-for-payment (RFP) message compliant with the ISO 20022. For example, an apparatus may receive a RFP message that includes message data associated with a transaction involving first and second counterparties, and the RFP message may characterize a real-time payment requested from the second counterparty by the first counterparty. The apparatus may determine a geographic position of the first counterparty based the message data, and based on the first geographic position, transmit notification data to a device operable by the second counterparty. The notification data may cause the device to present digital content associated with at least one of the transaction, the first counterparty, or the second counterparty within a digital interface.

公开(公告)号：US11902266B1

公开(公告)日：2024-02-13

申请号：US16943759

申请日：2020-07-30

Applicant: Stripe, Inc.

Inventor： Matthew Basta

IPC: G06Q20/40 ,  H04L9/40 ,  G06F16/23 ,  G06F40/174 ,  G06Q30/0601 ,  H04L9/32 ,  G06F21/33 ,  H04L9/08 ,  G06F9/54 ,  G06F3/04842 ,  G06Q40/03

CPC classification number: H04L63/08 ,  G06F16/2379 ,  G06F21/33 ,  G06F40/174 ,  G06Q20/40 ,  G06Q30/0601 ,  H04L9/088 ,  H04L9/3263 ,  H04L63/04 ,  H04L63/062 ,  H04L63/068 ,  H04L63/102 ,  G06F3/04842 ,  G06F9/548 ,  G06Q40/03 ,  G06Q2220/00 ,  H04L2463/082

Abstract: A method and apparatus for generating and using secure sharded onboarding user interfaces are described. The method may include determining, based on account type of a merchant account being onboarded for a merchant by a first user, that information for a user type associated with a second user associated with the merchant is to be collected to satisfy minimum merchant account compliance requirements. The method may also include allocating a person object in an accounts data store maintained by the commerce platform system, the person object associated in the accounts data store with the merchant account. Furthermore, the method can include generating a secure link and transmitting the secure link to the second user, the secure link resolving at the commerce platform system and comprising a unique identifier that is associated with the person object. In response to receiving selection of the secure link by the second user, the method includes generating a secure application programming interface (API) based graphical user interface to collect account information for the person object associated with the unique identifier.

公开(公告)号：US11900343B2

公开(公告)日：2024-02-13

申请号：US16454770

申请日：2019-06-27

Applicant: Visa International Service Association

Inventor： Shantnu Singh

IPC: G06Q20/10 ,  G06Q20/20 ,  G06Q40/02 ,  G06Q20/40 ,  G06Q20/34

CPC classification number: G06Q20/105 ,  G06Q20/10 ,  G06Q20/204 ,  G06Q20/341 ,  G06Q20/352 ,  G06Q20/40 ,  G06Q20/409 ,  G06Q40/02

Abstract: 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.

公开(公告)号：US20240046362A1

公开(公告)日：2024-02-08

申请号：US18129883

申请日：2023-04-02

Applicant: James Eason ,  Michael Casey ,  Kenneth Leibow

Inventor： James Eason ,  Michael Casey ,  Kenneth Leibow

IPC: G06Q40/08 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q20/36

CPC classification number: G06Q40/08 ,  G06Q20/381 ,  G06Q20/40 ,  G06Q20/389 ,  G06Q20/3678

Abstract: A computer-implemented method of currency conversion into digital assets includes obtaining authorization to receive a payout in a fiat coin or currency of a first predetermined amount on behalf of at least one beneficiary of an insurance policy. The payout is received and is converted into a first predetermined amount of one or more digital assets that may include cryptocurrency or non-fungible tokens (NFT). The at least one beneficiary is provided with one or more payments of a second predetermined amount.

公开(公告)号：US11893560B1

公开(公告)日：2024-02-06

申请号：US16822847

申请日：2020-03-18

Applicant: Worldpay, LLC

Inventor： Coy Christensen

IPC: G06Q20/20 ,  H04L67/10 ,  G06Q20/40

CPC classification number: G06Q20/202 ,  G06Q20/40 ,  H04L67/10

Abstract: A computer-implemented method for cloud-based management of payment devices includes connecting a point of interaction device (POI) to a terminal management engine (TME) through a computer network, downloading operating software for the POI and configuration files for the POI from the TME to the POI, initializing the POI using the operating software, and configuring the POI using the configuration files. An alternative computer-implemented includes connecting to a POI through a computer network, receiving a transaction request from a TMC through the computer network, confirming access to the POI, transmitting a request for consumer information to the POI, receiving requested consumer information from the POI, transmitting the requested consumer information to the TMC, receiving a transaction approval message or a transaction decline message from the TMC, and transmitting the transaction approval message or the transaction decline message to the POI.

公开(公告)号：US11890441B2

公开(公告)日：2024-02-06

申请号：US17990396

申请日：2022-11-18

Applicant: Blackdot, Inc.

Inventor： Yan Azdoud ,  Joel Richard Pennington ,  Eric Nelson Watts ,  Deniz Ozturk ,  Anna Ailene Scott ,  Christopher Daniel Kelley

IPC: A61M37/00 ,  A61B34/00 ,  B25J9/16 ,  G06V10/22 ,  B25J15/00 ,  G05B19/4155 ,  A61B34/30 ,  G06Q20/12 ,  G06Q20/38 ,  G06Q20/40 ,  G06V10/56 ,  G06V10/24

CPC classification number: A61M37/0076 ,  A61B34/30 ,  A61M37/0084 ,  B25J9/1679 ,  B25J9/1697 ,  B25J15/0019 ,  G05B19/4155 ,  G06Q20/1235 ,  G06Q20/3825 ,  G06Q20/40 ,  G06V10/225 ,  G06V10/56 ,  A61M2205/3306 ,  A61M2205/6063 ,  A61M2210/04 ,  G05B2219/50391 ,  G06V10/245

Abstract: An automatic tattoo apparatus can be used to robotically apply tattoos. A customer can shop on an online tattoo marketplace to select designs created by various artists located anywhere. The online tattoo marketplace can process and manage payments, artist and/or customer profiles, bookings, tattoo design uploads, browsing and design selection, design changes, and/or perform other actions. The automatic tattoo device can apply tattoos precisely, quickly, and may with reduced pain. The tattoo apparatus can apply a wide range of different types of tattoos, including but not limited to micro tattoos, dotwork, blackwork tattoos, realism tattoos, fine-line tattoos, etc.

公开(公告)号：US20240037546A1

公开(公告)日：2024-02-01

申请号：US18378331

申请日：2023-10-10

Applicant: Michael Sasha John

Inventor： Michael Sasha John

IPC: G06Q20/40 ,  G06F21/32 ,  G06F21/35 ,  G06F21/60 ,  G06F21/62 ,  G06Q20/12 ,  G06Q20/38 ,  G06Q20/42 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q40/00

CPC classification number: G06Q20/40 ,  G06F21/32 ,  G06F21/35 ,  G06F21/606 ,  G06F21/6263 ,  G06Q20/123 ,  G06Q20/382 ,  G06Q20/4012 ,  G06Q20/40145 ,  G06Q20/4016 ,  G06Q20/405 ,  G06Q20/409 ,  G06Q20/425 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q30/0613 ,  G06Q40/00

Abstract: An illustrative fraud deterrent method includes presenting an identity verification option for a first website displayed in a web-browser, the option including offering a login to a third-party website, unrelated to the first website. The method further includes receiving login information for a first user account on the third-party website and verifying the login information through a verification service associated with the third-party website, to verify that the login information is valid for the first user account, identified by the login information. The method additionally includes verifying an identity at the first website, responsive to the verification.