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    Telecommunication Systems and Methods for Broker-Mediated Payment
    72.
    发明公开
    Telecommunication Systems and Methods for Broker-Mediated Payment 审中-公开

    公开(公告)号：US20230385784A1

    公开(公告)日：2023-11-30

    申请号：US18365556

    申请日：2023-08-04

    Applicant: Fotec Group Blvd.

    Inventor： Charles T. FOTE

    IPC: G06Q20/02 ,  G06Q20/32 ,  G06Q20/40

    CPC classification number: G06Q20/023 ,  G06Q20/322 ,  G06Q20/02 ,  G06Q20/3227 ,  G06Q20/40

    Abstract: In certain embodiments of systems and methods for conducting payment transactions between a payer and a payee, the payer selects one or more payment sources from various funding sources and accounts available to the payer, and instructs a payment broker's server to perform payment authorization and/or payment making, causing to be made, routing and/or clearing services on the payer's behalf. The payment broker's server notifies the payer and/or the payee of the payment authorization status and, if approved, instructs the funding source's server to cause the payment to be made to payer-selected or approved real account(s) of the payee, or otherwise to the payee, without divulging the payer-selected funding source(s) and payer-selected real account(s) of the payer to the payee's depository bank or financial institution and/or to the payee.

    METHOD AND SYSTEM FOR MAINTAINING PRIVACY AND COMPLIANCE IN THE USE OF ACCOUNT REISSUANCE DATA
    73.
    发明公开
    METHOD AND SYSTEM FOR MAINTAINING PRIVACY AND COMPLIANCE IN THE USE OF ACCOUNT REISSUANCE DATA 审中-公开

    公开(公告)号：US20230385303A1

    公开(公告)日：2023-11-30

    申请号：US18232408

    申请日：2023-08-10

    Applicant: Mastercard International Incorporated

    Inventor： Andrew REISKIND

    IPC: G06F16/27 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q40/02

    CPC classification number: G06F16/27 ,  G06Q20/383 ,  G06Q20/40 ,  G06Q40/02 ,  G06Q20/34

    Abstract: A method for linking payment accounts includes: storing a plurality of account profiles, each profile including data related to a payment account including an account number and account data; encrypting the account number included in each account profile using a method of encryption to obtain an encrypted account number; receiving account linkage data, the data including a plurality of encrypted account identifiers, each identifier being indicated as being linked to another identifier, and each identifier being encrypted using the method of encryption; matching each of the encrypted account identifiers to an encrypted account number; and updating one or more account profiles to indicate a link to another account profile where the encrypted account number included in the profile being updated matches an encrypted account identifier that is indicated as being linked to an encrypted account identifier that matches the encrypted account number included in the other profile.

    System and method for providing merchant loyalty rewards
    76.
    发明授权
    System and method for providing merchant loyalty rewards 有权

    公开(公告)号：US11829963B2

    公开(公告)日：2023-11-28

    申请号：US17351414

    申请日：2021-06-18

    Applicant: Quercus (BVI) Limited

    Inventor： Aly Karim

    IPC: G06Q20/04 ,  G06Q30/02 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q40/02 ,  G06Q30/0226

    CPC classification number: G06Q20/10 ,  G06Q20/1085 ,  G06Q20/40 ,  G06Q30/0226 ,  G06Q40/02

    Abstract: An apparatus including a central system, a transaction processor, a database storing a set of business rules, and a point-of-sale computer system. The central system in operable communication with the transaction processor, the database, and the point-of-sale computer system. The central system is configured to receive a primary transaction data in response to a primary transaction being initiated between a first entity and a second entity. The second entity is associated with the point-of-sale computer system. The central system is configured to obtain from the primary transaction data at least one of: (i) a primary transaction value, (ii) one or more products purchased in the primary transaction, (iii) a location of purchase, and (iv) an account identifier and determine, based on the primary transaction data, a supplemental transaction value associated with a supplemental transaction based on a first business rule of the set of business rules stored in the database.

    Transacting in advance
    79.
    发明授权
    Transacting in advance 有权

    公开(公告)号：US11810108B1

    公开(公告)日：2023-11-07

    申请号：US17359172

    申请日：2021-06-25

    Applicant: United Services Automobile Association (USAA)

    Inventor： Andre Rene Buentello ,  Gunjan Vijayvergia ,  Michael Joseph Gaeta

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

    CPC classification number: G06Q20/40 ,  G06Q20/3821

    Abstract: Various embodiments generally relate to generating and scheduling transactions in advance. More specifically, various embodiments relate to receiving a request for a transaction from a user device; processing the transaction, where the transaction requires some user interaction at a point of transaction to complete the transaction; identifying a location for completion of the transaction; determining possible points of transaction within a predetermined distance of the identified location; displaying the possible points of transaction; receiving a selection of one of the possible points of transaction; generating a unique identifier for the transaction based on the selected point of transaction; and sending the unique identifier for presentation at the selected point of transaction, where the unique identifier is used to complete the transaction.

    Automated Rules Execution Testing And Release System
    80.
    发明公开
    Automated Rules Execution Testing And Release System 审中-公开

    公开(公告)号：US20230351401A1

    公开(公告)日：2023-11-02

    申请号：US18348502

    申请日：2023-07-07

    Applicant: Capital One Services, LLC

    Inventor： Sathiyamurthy Thiruvengadathan ,  Lakshmi Ph Kommaraju ,  David Parsons ,  Nirmit Patel ,  Uday Kumar Dikshit

    IPC: G06Q20/40 ,  G06F8/61 ,  G06Q10/0633 ,  G06F16/245

    CPC classification number: G06Q20/405 ,  G06F8/61 ,  G06F16/245 ,  G06Q10/0633 ,  G06Q20/40

    Abstract: Systems, methods, apparatuses, and computer-readable media are provided for rules execution testing using live production data. Live production authorization requests may be received at a production computing device. Production authorization decisions may be determined at the production computing device for the live production authorization requests using a set of production rules. The production authorization requests, data used to arrive at the corresponding production authorization decisions, and/or the corresponding authorization decisions may be streamed in real-time to a test device. Test authorization decisions may be determined at the test device for the received live production authorization requests using the received data used to arrive at the production authorization decisions, and using a set of test rules. Production and test authorization decisions may be compared to determine decision differences. One or more user interfaces or reports may be generated for outputting the decision differences.

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