公开(公告)号：US20240202815A1

公开(公告)日：2024-06-20

申请号：US18082095

申请日：2022-12-15

申请人： NCR Corporation

发明人： Bryan Walser Nonni

IPC分类号： G06Q40/02 ,  G06Q20/10 ,  G06Q20/38 ,  G06Q40/12

CPC分类号： G06Q40/02 ,  G06Q20/102 ,  G06Q20/381 ,  G06Q40/125

摘要： A system and method for interfacing between a financial institution and a cryptocurrency exchange. Payroll payment information and associated funds are received at a back-end API for direct deposit to a bank account and a cryptocurrency account. Back-end API causes a first amount to be deposited to the bank account, converts a second amount to cryptocurrency funds, and causes the cryptocurrency funds to be deposited into the cryptocurrency account. Bill payment information is received at back-end API specifying a first amount to be withdrawn from a bank account and a second amount to be withdrawn from a cryptocurrency account. Back-end API causes the first amount to be withdrawn from the bank account, causes the second amount to be withdrawn from the cryptocurrency account, converts the cryptocurrency funds to fiat money, combines the two amounts, and forwards the combined amount to a bill pay company to complete the bill payment.

公开(公告)号：US20240202690A1

公开(公告)日：2024-06-20

申请号：US18590110

申请日：2024-02-28

申请人： NCR Voyix Rorporation

发明人： Stephen Glencross

IPC分类号： G06Q20/18 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q40/02 ,  G07F19/00

CPC分类号： G06Q20/18 ,  G06Q20/1085 ,  G06Q20/3274 ,  G07F19/20 ,  G07F19/206 ,  G06Q40/02 ,  G06Q2220/00

摘要： A method of encoding a transaction flow is described. The method comprises: receiving information from a user about a transaction type to be executed; creating a transaction flow comprising a sequence of states, where at least some states include text to be displayed and inputs to be enabled for that state; and encoding the transaction flow into a machine-readable code.

公开(公告)号：US12014416B1

公开(公告)日：2024-06-18

申请号：US17454441

申请日：2021-11-10

申请人： CONSUMERINFO.COM, INC.

发明人： Michael John Dean ,  Mark Joseph Kapczynski

IPC分类号： G06Q40/03 ,  G06Q40/02

CPC分类号： G06Q40/03 ,  G06Q40/02

摘要： Methods and systems are disclosed that identify and locate debt settlement candidates based on credit data associated with the consumer. For example, candidacy may be based on a debt score, generated by an assessment of the consumer's credit data. Credit data may include the consumer's credit score rank, credit score, revolving credit to debit ratio, credit available, delinquent accounts, negative accounts, instances of negative information on their credit report, public record data, average account age, debit, or a combination thereof.

公开(公告)号：US12014402B2

公开(公告)日：2024-06-18

申请号：US17065068

申请日：2020-10-07

申请人： JPMorgan Chase Bank, N.A.

发明人： Hari Sangaraju ,  Srinivas Kasani

IPC分类号： H04K1/00 ,  G06F9/48 ,  G06Q10/109 ,  G06Q30/04 ,  G06Q40/02 ,  G06Q40/04 ,  G06Q40/12 ,  H04L9/00

CPC分类号： G06Q30/04 ,  G06F9/4881 ,  G06Q10/109 ,  G06Q40/02 ,  G06Q40/04 ,  G06Q40/12

摘要： A method and a system for providing event-driven billing that facilitates flexibility and customization for bill generation, payment scheduling, and account reconciliation in relation to consumer financial accounts are provided. The method includes: receiving, from a user, first information that relates to a schedule for generating the bill for the account; extracting, from the first information, at least one criterion for determining the schedule for generating the bill; determining the schedule based on the at least one criterion; and generating the bill based on the determined schedule.

公开(公告)号：US12010108B2

公开(公告)日：2024-06-11

申请号：US17974014

申请日：2022-10-26

申请人： Capital One Services, LLC

发明人： Abdelkader M'Hamed Benkreira ,  Michael Mossoba ,  Joshua Edwards

IPC分类号： G06Q20/10 ,  G06Q40/02 ,  G10L13/00 ,  G10L17/00 ,  G10L17/06 ,  H04L9/40 ,  H04L65/403 ,  H04L65/1069

CPC分类号： H04L63/08 ,  G06Q40/02 ,  G10L13/00 ,  G10L17/00 ,  G10L17/06 ,  H04L65/403 ,  H04L65/1069

摘要： Embodiments may generally be directed components and techniques to detect a request to provide banking account information over a one or more voice connections, identify the requested banking account information, and generate speech data representing the banking account information requested. In embodiments further include communicating the speech data to another device.

公开(公告)号：US12008521B1

公开(公告)日：2024-06-11

申请号：US17565388

申请日：2021-12-29

申请人： Wells Fargo Bank, NA

发明人： Andrew J. Diggdon ,  John Maher ,  Karen Lynne Moore ,  Yon Wing Lee ,  Brian Paul McMahon

IPC分类号： G06Q20/00 ,  G06Q20/08 ,  G06Q20/10 ,  G06Q20/14 ,  G06Q20/22 ,  G06Q20/40 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/03

CPC分类号： G06Q20/00 ,  G06Q20/227 ,  G06Q20/405 ,  G06Q40/00 ,  G06Q20/085 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/14 ,  G06Q40/02 ,  G06Q40/03

摘要： A computer-implemented data processing system includes a data storage device and a processor and program logic stored in memory and executable by the processor. The program logic may include account management logic coupled to the data storage device and configured to manage accounts respectively associated with a plurality of users, the account management logic including account processing logic configured to process transactions for the accounts and store account data related to the accounts in the data storage device. The program logic may further include interface logic coupled to the account management logic and the data storage device, the interface logic configured to connect the data processing system to computing systems associated with the plurality of users by way of the Internet, the interface logic providing the plurality of users with web access to an on-line banking area of a website of a financial institution.

公开(公告)号：US20240185334A1

公开(公告)日：2024-06-06

申请号：US18076258

申请日：2022-12-06

申请人： JPMorgan Chase Bank, N.A.

发明人： Satyam Boina

IPC分类号： G06Q40/02 ,  H04L67/5683

CPC分类号： G06Q40/02 ,  H04L67/5683

摘要： Implementations generally relate to a banking kit. In some implementations, a method includes creating at least one cloud account of a plurality of cloud accounts, where the at least one cloud account is associated with an end user. The method further includes storing user data associated with the end user in a database associated with the end user. The method further includes enabling a client device associated with the end user to access the cloud account. The method further includes enabling a bank server to access the cloud account.

公开(公告)号：US20240184917A1

公开(公告)日：2024-06-06

申请号：US18439701

申请日：2024-02-12

申请人： Wells Fargo Bank, N.A.

发明人： Lila Fakhraie ,  Brian M. Pearce ,  Steven Pulido ,  Benjamin Soccorsy ,  James Stahley ,  Mojdeh Tomsich

IPC分类号： G06F21/62 ,  G06F3/04817 ,  G06F3/0482 ,  G06F3/0484 ,  G06F9/54 ,  G06F16/215 ,  G06Q20/36 ,  G06Q40/02 ,  H04L9/40

CPC分类号： G06F21/6245 ,  G06F3/04817 ,  G06F3/0482 ,  G06F9/547 ,  G06Q20/3674 ,  G06Q40/02 ,  H04L63/10 ,  H04L63/102 ,  G06F3/0484 ,  G06F16/215 ,  G06F21/6263

摘要： Systems, methods, and apparatuses for providing a customer a central location to manage permissions provided to third-parties and devices to access and use customer information maintained by a financial institution are described. The central location serves as a central portal where a customer of the financial institution can manage all access to account information and personal information stored at the financial institution. Accordingly, the customer does not need to log into each individual third-party system or customer device to manage previously provided access to the customer information or to provision new access to the customer information. A user additionally is able to have user data and third-party accounts of the user deleted from devices, applications, and third-party systems via a central portal.

公开(公告)号：US12002095B2

公开(公告)日：2024-06-04

申请号：US16984021

申请日：2020-08-03

申请人： Mortgage Capital Trading, Inc.

发明人： Philip Rasori

IPC分类号： G06Q40/04 ,  G06Q30/08 ,  G06Q40/02

CPC分类号： G06Q40/04 ,  G06Q30/08 ,  G06Q40/02

摘要： Computer-based systems, platforms, and modules manage and sell securities such as mortgage loans and TBA positions for mortgage loans held by the system user, such as a lender, in the relevant market for such securities. A single system simultaneously negotiates transactions with multiple investors and broker-dealers for such securities. The computer-based systems generate best execution analyses of trades of loans and TBA transactions. The computer-based systems generate hedge recommendations based on the loans and loan commitments owned by the lender and automatically executes those hedge recommendations on a best execution basis without intervention. The computer-based systems allow for lenders to enter into contracts to sell loans to investors who are not qualified investors by locking the spread while allowing for the loan price to fluctuate until a trade is consummated.

公开(公告)号：US20240179011A1

公开(公告)日：2024-05-30

申请号：US18430909

申请日：2024-02-02

申请人： Veritaseum, Inc.

发明人： Reginald MIDDLETON ,  Matthew BOGOSIAN

IPC分类号： H04L9/32 ,  G06Q20/02 ,  G06Q20/06 ,  G06Q20/10 ,  G06Q40/02 ,  H04L9/40 ,  H04L9/00

CPC分类号： H04L9/3247 ,  G06Q20/02 ,  G06Q20/065 ,  G06Q20/10 ,  G06Q40/02 ,  H04L9/40 ,  H04L9/50 ,  H04L2209/56

摘要： Devices, systems, and methods enabling parties with little trust or no trust in each other to enter into and enforce value transfer agreements conditioned on input from or participation of a third party, over arbitrary distances, without special technical knowledge of the underlying transfer mechanism(s), optionally affording participation of third-party mediators, substitution of transferors and transferees, term substitution, revision, or reformation, etc. Such value transfers can occur reliably without involving costly third-party intermediaries who traditionally may otherwise be required, and without traditional exposure to counterparty risk.