公开(公告)号：US11995711B2

公开(公告)日：2024-05-28

申请号：US17107075

申请日：2020-11-30

申请人： Capital One Services, LLC

发明人： Gagan Kanjlia ,  Vishal Puri ,  Michael B. Kiernan ,  Evan S. Klein

IPC分类号： G06Q30/00 ,  G06Q20/10 ,  G06Q20/22 ,  G06Q20/40 ,  G06Q40/02

CPC分类号： G06Q40/02 ,  G06Q20/108 ,  G06Q20/227 ,  G06Q20/405

摘要： Systems and methods for management of an account switch are disclosed. An account switch management system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive a list of transaction entries to be switched from a first account to a second account and account information associated with the first account and the second account. The one or more processors may also determine a recommendation relating to a customer action based on the transaction entries and the account information. The one or more processors may provide the list of transaction entries and account information and the recommendation to the client device. The one or more processors may also receive a request from the client device to complete an action and transmit a notification to a processing device to complete the action.

公开(公告)号：US20240169425A1

公开(公告)日：2024-05-23

申请号：US17989563

申请日：2022-11-17

申请人： Blue Lakes Technology Inc.

发明人： Anand Menon

IPC分类号： G06Q40/03 ,  G06Q30/0201 ,  G06Q40/02

CPC分类号： G06Q40/03 ,  G06Q30/0201 ,  G06Q40/02

摘要： A computer-implemented method is provided to optimize a group-based match via a probabilistic engine through a computerized network. The computer-implemented method stores, in a borrower database, a plurality of borrower data sets. Each of the plurality of borrower data sets corresponds to one or more predefined borrower requirements for each borrower corresponding to each of the plurality of borrower data sets. Further, the computer-implemented method receives, in a product database at a product entry time, product information for a financial product. The financial product is distinct from other products having other product information stored within the product database. Additionally, the computer-implemented queries, with a group-based matching engine in real-time with the receipt of the product information at the product entry time, a subset of the plurality of borrower data sets with the one or more predefined borrower requirements that are capable of being fulfilled by the financial product.

公开(公告)号：US20240161182A1

公开(公告)日：2024-05-16

申请号：US18420527

申请日：2024-01-23

申请人： Wells Fargo Bank, N.A.

发明人： Naga Adapala ,  Kristin K. Koppelman ,  Carine P. Gursky ,  Gregg R. Napoli ,  Sushil Kumar Vyas

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

CPC分类号： G06Q40/02 ,  G06Q20/027 ,  G06Q20/108

摘要： A provider institution computing system includes a customer database structured to retrievably store information relating to a customer of an originator institution associated with an originator computing system and a transaction processing circuit coupled to the customer database. The transaction processing circuit is structured to receive, from an originator computing system, information including at least information for a destination account at a destination institution, generate a first transaction request including a transaction identification code associated with the first transaction request including an originator identifier corresponding to the originator computing system, transmit to one of a plurality of institutions a tracking request including the originator identifier and an instruction to provide a tracking update for the first transaction request, provide a user interface that includes a list of transaction requests having transaction identification codes associated with the customer, and provide information regarding a travel history of the first transaction request.

公开(公告)号：US11983704B2

公开(公告)日：2024-05-14

申请号：US17499544

申请日：2021-10-12

申请人： SSenStone Inc.

发明人： Chang Hun Yoo

IPC分类号： G06Q20/36 ,  G06F8/30 ,  G06F21/31 ,  G06F21/60 ,  G06Q20/06 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q40/02 ,  H04L9/32 ,  H04L9/40 ,  H04W12/033

CPC分类号： G06Q20/3672 ,  G06F8/30 ,  G06F21/31 ,  G06F21/606 ,  G06Q20/0658 ,  G06Q20/3274 ,  G06Q20/3278 ,  G06Q20/351 ,  G06Q20/354 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/385 ,  G06Q20/4093 ,  G06Q40/02 ,  H04L9/3213 ,  H04L9/3228 ,  H04L63/0428 ,  H04W12/033 ,  H04L2209/56 ,  H04L2209/80

摘要： The present invention relates to a virtual token-based settlement providing system, a virtual token generation apparatus, a virtual token verification server, a virtual token-based settlement providing method, and a virtual token-based settlement providing program. The present invention comprises: a step for receiving a virtual token provided by a virtual token generation means, by a virtual token verification means; a step for extracting multiple detailed codes included in the virtual token by the virtual token verification means; a step for searching for a storage location of an actual card number on the basis of the multiple detailed codes by the virtual token verification means; and a step for transmitting the searched actual card number to a payment settlement service server or a financial company server.

公开(公告)号：US20240144360A1

公开(公告)日：2024-05-02

申请号：US18278698

申请日：2022-02-25

申请人： DNY Match Limited

发明人： Robert Clark

IPC分类号： G06Q40/02

CPC分类号： G06Q40/02

摘要： The application discloses a system of networked computing apparatus, software and methods of operation comprising a settlement exposure analysis node, a plurality of financial institution nodes, one for each participating financial institutions, and a regulated arranger node. The nodes are configured to, in use, transfer data representative of initial net settlement exposures of the parfinancial institutions from the financial institution nodes to the settlement exposure analysis node, transfer data representative of the values of a repo trade matrix xi,j generated by the settlement exposure analysis node to the financial institution nodes, and, based on data representing approval of the repo trade matrix xi,j by all of the participating financial institution nodes, settle trade orders between pairs of the financial institutions i,j based on the trade values in the repo trade matrix xi,j for those counterparties.

公开(公告)号：US20240144229A1

公开(公告)日：2024-05-02

申请号：US18500687

申请日：2023-11-02

申请人： Afterpay Limited

发明人： NICHOLAS MOLNAR ,  DAVID WHITEMAN

IPC分类号： G06Q20/28 ,  G06Q20/20 ,  G06Q20/24 ,  G06Q20/32 ,  G06Q20/42 ,  G06Q40/02

CPC分类号： G06Q20/28 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/24 ,  G06Q20/3223 ,  G06Q20/3274 ,  G06Q20/425 ,  G06Q40/02

摘要： A computer-implemented method comprising, in an example, receiving a request to set up a payment for an amount using multiple future installments; analyzing data associated with a user to generate authorization data indicative of an authorization of the multiple future installments; sending the authorization data to a mobile device of the user, wherein the authorization data is presentable to any merchant associated with the installment payment service; receiving, from a merchant device, data associated with a transaction between the user and the merchant that identifies a total amount of at least one good or service and an indication of the authorization data; determining that the total amount is less than the amount requested; and initiating the installments. The authorization data may remain valid for use with any merchant associated with the installment payment service for a designated period of time or until the amount requested is exceeded.

公开(公告)号：US20240144206A1

公开(公告)日：2024-05-02

申请号：US18273412

申请日：2022-02-17

申请人： FairShares, Inc.

发明人： David Boydell ,  Jeremy Roseberry

IPC分类号： G06Q20/08 ,  G06Q20/06 ,  G06Q40/02

CPC分类号： G06Q20/0855 ,  G06Q20/065 ,  G06Q40/02

摘要： A system includes: a closed loop comprising a member; a server operably connected to the closed loop, the server configured to process ownership data regarding ownership of a security by the member; a distribution administrator operably connected to the server, the distribution administrator configured to create a digital token to track ownership of the security by the member, thereby generating updated ownership data; and a security holder configured to hold the security, the security holder further configured to receive a total distribution on behalf of a member of the closed loop, the security holder further configured to send the total distribution to the distribution administrator, wherein the server is further configured to compute, using the updated ownership data, a distribution amount to be paid to a member of the closed loop, wherein the distribution administrator is configured, using the distribution amount, to pay the member the distribution amount.

公开(公告)号：US20240144190A1

公开(公告)日：2024-05-02

申请号：US18395400

申请日：2023-12-22

申请人： CLOUDFLARE, INC.

发明人： Umalatha Batchu ,  Torsten Zeppenfeld ,  Blake Darche ,  Philip Syme

IPC分类号： G06Q10/107 ,  G06F40/205 ,  G06N7/01 ,  G06Q30/018 ,  G06Q40/02 ,  H04L9/40

CPC分类号： G06Q10/107 ,  G06F40/205 ,  G06N7/01 ,  G06Q30/018 ,  G06Q40/02 ,  H04L63/1416 ,  H04L63/1425

摘要： An email is received that is from an email sender. From the email, the display name of the email sender, an email address of the email sender, and an email domain of the email sender, is extracted. A score is determined for the email based on at least: the extracted display name of the email sender, the extracted email address of the email sender, and the extracted email domain of the email sender, where the score indicates a probability that the email is from a legitimate sender. Message content of the email is input into multiple classifiers each corresponding to a particular message type. The message type of the email is determined based on output of the classifiers. Based on at least the determined score for the email and the determined message type of the email, a determination is made whether the email is associated with a BEC attack.

公开(公告)号：US11972457B1

公开(公告)日：2024-04-30

申请号：US17327904

申请日：2021-05-24

申请人： Wells Fargo Bank, N.A.

发明人： Wayne Barakat ,  Michael Fitzpatrick ,  Mark A. Frank ,  Yvette M. Hatton ,  Pey-Ning Huang ,  Michael Lyon ,  Kimberly D. Peck ,  Melissa Schroder Viscomi

IPC分类号： G06Q30/00 ,  G06Q30/0201 ,  G06Q30/0251 ,  G06Q40/02

CPC分类号： G06Q30/0254 ,  G06Q30/0201 ,  G06Q40/02

摘要： A financial institution computing system includes an account database with a plurality of transaction parameters with respect to a financial account of a customer, a receptiveness metrics circuit structured to extract the plurality of transaction parameters from the account database, the transaction parameters including at least one financial transaction record, and indicative of a mode of the customer, and determine one or more receptiveness metrics attributed to the customer based on the mode of the customer, the one or more receptiveness metrics indicating likelihoods of the customer converting an interaction from the financial institution, wherein the interaction includes an avatar that is an aged version of the customer, and an interaction generation circuit structured to transmit the interaction to the customer at an optimal time based on the one or more receptiveness metrics.

公开(公告)号：US20240135444A1

公开(公告)日：2024-04-25

申请号：US18218393

申请日：2023-07-04

申请人： Steven J. Zeringue

发明人： Steven J. Zeringue

IPC分类号： G06Q40/03 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/24 ,  G06Q20/40 ,  G06Q40/02

CPC分类号： G06Q40/03 ,  G06Q20/027 ,  G06Q20/10 ,  G06Q20/24 ,  G06Q20/40 ,  G06Q20/4037 ,  G06Q20/405 ,  G06Q40/02

摘要： A system and method for extending a firm offer of credit without regard to the credit risk profile of the credit applicant is disclosed. Using seller-defined and/or system and method provider configured business rules and related payment computations, the system derives a series of initial payments representing a “down payment.” After the down payment is collected, the goods or services are delivered. The purchaser may elect upfront from a plurality of payment options, including the automatic collection through recurring pre-authorized electronic funds transfers to a deposit account or via authorized and settled credit or debit card authorization(s). A purchaser using either of these options has the option, upon receipt of the goods or services, to pay the remaining balance through the continuation of electronic funds transfers or, at any point prior to completion of payments using a “one-time authorized amount for the balance due” alternative form of payment like cash, credit or debit card, to pay off the remaining balance.