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    SYSTEMS AND METHODS OF SHARING INFORMATION THROUGH A TAG-BASED CONSORTIUM
    42.
    发明公开
    SYSTEMS AND METHODS OF SHARING INFORMATION THROUGH A TAG-BASED CONSORTIUM 审中-公开

    公开(公告)号：US20240236064A9

    公开(公告)日：2024-07-11

    申请号：US18349059

    申请日：2023-07-07

    申请人： The 41st Parameter, Inc.

    发明人： Ori Eisen

    IPC分类号： H04L9/40

    CPC分类号： H04L63/08 ,  H04L63/0807 ,  H04L63/10 ,  H04L63/1408 ,  H04L63/1483 ,  G06Q40/02

    摘要： The invention provides one or more consortia of networks that identify and share information about users and/or user devices interacting with the consortia. User devices may be identified, at least in part, by tag-based computer information. Computers and other devices accessing the Web carry device tags with date and time information describing when they were issued by a security tag server. A server time stamp may be inserted into time based computer tags such as a cookies indicating when they were created. Such time stamp information can be encrypted and analyzed during future attempts to access a secure network such as a customer attempting to log into an online banking account. When the time stamp information from the tag is compared to other selected information about the user, device and/or account, including but not limited to last account log-in date/time or account creation date, the invention may be used to detect suspicious activity. The invention may be use for identity-based applications such as network security, the detection of fraudulent transactions, identity theft, reputation-based communities, and law enforcement.

    SCALABLE AND CUSTOMIZABLE COMPUTATION USING A MODULARIZED CODE ARCHITECTURE
    43.
    发明公开
    SCALABLE AND CUSTOMIZABLE COMPUTATION USING A MODULARIZED CODE ARCHITECTURE 审中-公开

    公开(公告)号：US20240231768A9

    公开(公告)日：2024-07-11

    申请号：US18049477

    申请日：2022-10-25

    申请人： Capital One Services, LLC

    发明人： Abhishek DUBE

    IPC分类号： G06F8/35 ,  G06Q40/02

    CPC分类号： G06F8/35 ,  G06Q40/02

    摘要： In some implementations, a device may obtain, based on a characteristic associated with an account, a set of forecasted values from a dataset of forecasted values. The set of forecasted values may include forecasted values for a plurality of forecasting metrics for a plurality of time periods. The device may generate, for the account, feature metric values, for the plurality of time periods, for a plurality of feature metrics based on the set of forecasted values. The device may compute, for the account, at least one present or future value metric based on the feature metric values for the plurality of feature metrics.

    Electronic bill pay and bill presentment account number treatment system and method
    49.
    发明授权
    Electronic bill pay and bill presentment account number treatment system and method 有权

    公开(公告)号：US12020299B1

    公开(公告)日：2024-06-25

    申请号：US17883548

    申请日：2022-08-08

    申请人： Wells Fargo Bank, N.A.

    发明人： Darrell Sher

    IPC分类号： G06Q30/04 ,  G06Q40/00 ,  G06Q40/02

    CPC分类号： G06Q30/04 ,  G06Q40/02 ,  G06Q40/00

    摘要： A technique is provided that transforms account number data received from the consumer into one or more forms based on use by specific processes. Further provided is a technique for establishing payees using these account numbers such that remittances can be routed via the most cost effective means, e.g. which remittance processor is determined and/or which processor among internal processors within an enterprise is determined, and such that, when available, electronic bills can be successfully requested for on-line presentation. The technique to transform account number data can be applied by systems in industries other than banking and for account numbers from sources other than a customer.