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    System for tracking and tagging communication using electronic non-fungible resources within a distributed network
    71.
    发明授权
    System for tracking and tagging communication using electronic non-fungible resources within a distributed network 有权

    公开(公告)号：US11966915B2

    公开(公告)日：2024-04-23

    申请号：US17591675

    申请日：2022-02-03

    申请人： BANK OF AMERICA CORPORATION

    发明人： Saurabh Gupta

    IPC分类号： G06F16/00 ,  G06F11/07 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q40/02

    CPC分类号： G06Q20/38215 ,  G06F11/0793 ,  G06Q20/4016 ,  G06Q40/02 ,  G06Q2220/00

    摘要： Systems, computer program products, and methods are described herein for tracking and tagging communication using electronic non-fungible resources within a distributed network. The present invention is configured to receive an indication of an entity-initiated communication to a user via a user input device; trigger a communication tracking and tagging engine; determine that the entity-initiated communication is associated with an ongoing unresolved issue; retrieve, from a distributed ledger, an NFT for the ongoing unresolved issue using the NFT identifier for the ongoing unresolved issue; transmit control signals configured to cause a resource transfer instrument associated with the user to display the description of the ongoing unresolved issue; receive, via the resource transfer instrument, a user input acknowledging the entity-initiated communication; and authorize the entity-initiated communication to the user via the user input device based on at least receiving the user input.

    SYSTEMS AND METHODS FOR PROCESSING PAYMENTS TO A THIRD PARTY FOR THE THIRD PARTY PROVIDING A PRODUCT OR SERVICE
    73.
    发明公开
    SYSTEMS AND METHODS FOR PROCESSING PAYMENTS TO A THIRD PARTY FOR THE THIRD PARTY PROVIDING A PRODUCT OR SERVICE 审中-公开

    公开(公告)号：US20240119431A1

    公开(公告)日：2024-04-11

    申请号：US18544188

    申请日：2023-12-18

    申请人： QUERCUS (BVI) LIMITED

    发明人： Aly KARIM

    IPC分类号： G06Q20/10 ,  G06Q20/40 ,  G06Q30/0226 ,  G06Q40/02

    CPC分类号： G06Q20/10 ,  G06Q20/1085 ,  G06Q20/40 ,  G06Q30/0226 ,  G06Q40/02

    摘要： 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.

    Fallback authorization routing
    78.
    发明授权
    Fallback authorization routing 有权

    公开(公告)号：US11948147B2

    公开(公告)日：2024-04-02

    申请号：US17580084

    申请日：2022-01-20

    申请人： Visa International Service Association

    发明人： Robert Dean McLaughlin ,  Balakrishnan Kannikeswaran ,  Biju Abraham ,  Roshin Joseph

    IPC分类号： G06Q20/40 ,  G06Q40/02 ,  G06Q40/04 ,  H04L5/20 ,  H04W12/06

    CPC分类号： G06Q20/40 ,  G06Q20/405 ,  G06Q40/02 ,  G06Q40/04 ,  H04L5/20 ,  H04W12/06

    摘要： Techniques are provided for fallback authorization routing. A merchant processor may receive authorization requests from one or more merchant systems. These authorization requests may be to authorize a transaction. The merchant processor may transmit these authorization requests over a first communication channel to an acquirer processor, which may then forward the requests to a payment network. If the merchant processor determines that the acquirer processor is not receiving the authorization requests, or is otherwise unavailable, the merchant processor may, as a fallback, transmit the authorization requests directly to the payment network through a second communication channel, thereby bypassing the acquirer processor. When the merchant processor receives some indication that the acquirer processor is available to process authorization requests, new authorization requests can be transmitted to the acquirer processor via the first communication channel.