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公开(公告)号：US11989735B2
公开(公告)日：2024-05-21
申请号：US18198570
申请日：2023-05-17
发明人： Miranda C. Hill , Alicia Y. Moore , Susan Symons
CPC分类号： G06Q20/405 , G07C9/00912
摘要： A method includes receiving, from a user device, a transaction service request including a transaction identification and a transaction time; identifying a first plurality of lockbox locations that can complete the transaction service request based on the transaction identification and the transaction time, the first plurality of lockbox locations being within a threshold proximity of a geographic area associated with the user account; receiving, from the user device, a selection of one of the lockbox locations of the first plurality of lockbox locations that can complete the transaction service request; configuring a physical lockbox of the selected lockbox location; receiving an unlock attempt; and transmitting an unlock command to the physical lockbox to unlock the door of the physical lockbox based on a comparison of the unlock attempt to a lockbox locking passcode.
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公开(公告)号：US20240160834A1
公开(公告)日：2024-05-16
申请号：US17446795
申请日：2021-09-02
IPC分类号： G06F40/143 , G06F21/62 , G06F40/186
CPC分类号： G06F40/143 , G06F21/6209 , G06F40/186
摘要： Systems and methods may generally be used to improve document formatting for e-signatures. An example method may include using a processor, for example, for receiving a fixed-layout flat format document, and identifying a set of styles to apply to the fixed-layout flat format document. The method may include constructing a HyperText Markup Language (HTML)-formatted document from data extracted from the fixed-layout flat format document and according to the set of styles, and sending the HTML-formatted document to an e-signature platform.
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公开(公告)号：US11978042B1
公开(公告)日：2024-05-07
申请号：US17880431
申请日：2022-08-03
CPC分类号： G06Q20/3821 , G06F21/46 , G06Q40/00
摘要： Systems, methods, and apparatuses for setting credentials for accounts, or cards associated with accounts, are provided. A queue of credentials may be maintained for facilitating access to at least one account of a user. Credentials in the queue may be automatically generated using information provided by the user without additional input from the user. A deactivation event relating to the account may be detected, in response to which one credential for the account may be deactivated. A new credential from the queue may be activated to facilitate access to the account.
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公开(公告)号：US11978039B2
公开(公告)日：2024-05-07
申请号：US18331510
申请日：2023-06-08
发明人： Sudheendranath R. Bhatt , Ramanathan Ramanathan , Sai Krishna Madhavi Chitta , Rahul N. Jain , Pradeep R. Kumar , Rameshchandra Bhaskar Ketharaju , Mushnuri Veera Venkata Kiran Kumar
CPC分类号： G06Q20/36 , G06Q20/12 , G06Q20/325 , G06Q20/4014 , G06Q50/01 , H04L63/0428 , G06F21/6245 , G06Q20/4012 , H04L2463/102
摘要： The innovation discloses systems, methods and computer program products that reduce complexity and associated measures that are taken to ensure trust in secured transactions as necessitated by requirements present only in an ecommerce environment that do not have a parallel with traditional bricks and mortar commercial transactions. The innovation enables a multitude of mobile wallet applications to engage and obtain services from ecommerce applications wherein backend processing by a mobile wallet server obtains and delivers funds to ecommerce applications without sharing a subset of sensitive data, associated with a mobile wallet application user for the secured transactions. The innovation further provides for a wallet network to be initiated and engaged in which the secured transactions can take place, adopting and adapting social network application connectivity.
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公开(公告)号：US20240144361A1
公开(公告)日：2024-05-02
申请号：US18392731
申请日：2023-12-21
发明人： Jennifer J. Caceres , Poonam Chawla , Prafullata Diwate , Deepak Joseph , Alicia Paredes Laramy , Jason Martin , Nirmal Masih , Tracey M. Munsell , Stephen Nixon , James A. Oliver , Senthil Soundararajan
CPC分类号： G06Q40/02 , G06Q20/3276 , G06Q20/3278 , G06Q20/40145
摘要： A computing system includes a network interface circuit structured to facilitate data transmission over a network, and at least one processing circuit configured to receive account information from a provider device via an input/output device of the provider device, the account information corresponding with a user account, generate a first code including a first unique identifier specific to the account information, the first code being configured to be captured by a user device to cause a browser or an application to launch on the user device, receive a user confirmation from the user device in response to the first code being captured by the user device, the user confirmation including the first unique identifier, determine the first unique identifier received with the user confirmation corresponds with the account information, and open the user account in response to confirming the first unique identifier corresponds with the account information.
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公开(公告)号：US20240144214A1
公开(公告)日：2024-05-02
申请号：US18407312
申请日：2024-01-08
发明人： Dennis E. Montenegro
CPC分类号： G06Q20/1085 , G07F19/205 , H04W4/80
摘要： Examples described herein relate to apparatuses and methods for reducing an amount of time that a user of a drive-up banking system is exposed to outdoor environmental conditions. A method includes detecting, by a drive-up banking system, a presence of a vehicle proximate the drive-up banking system; projecting, by the drive-up banking system, a user interface onto a vehicle window such that the user interface is visible to the occupant of the vehicle; receiving, by the drive-up banking system, information indicative of an identity of the occupant of the vehicle; determining, by the drive-up banking system, an account corresponding to the occupant of the vehicle; requesting, by the user interface, transaction information; receiving, by the user interface, information indicative of the transaction information; and conducting, by the drive-up banking system, a transaction based on the transaction information.
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公开(公告)号：US20240144209A1
公开(公告)日：2024-05-02
申请号：US18385198
申请日：2023-10-30
CPC分类号： G06Q20/10 , G06Q20/20 , G06Q20/3274 , G06Q20/3276
摘要： A method includes determining a payment amount based in response to receiving a transaction request; providing transaction data to a user device in response to initiating a transaction with a user device, the transaction data including the payment amount; receiving user data from the user device, the user data including a request to provide funds via a payment rail and account information identifying a first institution associated with the user device; and receiving a funds received confirmation from a second institution computing system. The funds received confirmation is provided to the terminal device in response to a fund transfer corresponding with the payment amount being received by the second institution computing system from a payment rail. The payment rail receives the fund transfer from the first institution computing system in response to the transaction data being provided to the first institution computing system from the user device.
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公开(公告)号：US20240144183A1
公开(公告)日：2024-05-02
申请号：US18405804
申请日：2024-01-05
发明人： Stephen M. Ellis , Bipin Sahni , David Hatch , Shahid Razzaq
IPC分类号： G06Q10/10
摘要： One or more embodiments of techniques or systems for intelligent data presentation are provided herein. Data can be presented on similar devices having different characteristics in different manners. For example, data may be rendered in a first manner on a first device having one monitor, the same data may be rendered in a second manner on a second device having two displays or a different display size. Financial information, sales data, banking information, etc. may be presented in a variety of ways based on capabilities or properties of a device accessing the information or data. Similarly, renderings may be selected based on interaction capabilities or interaction options a user may have with different renderings or presentations. In other embodiments, user interaction with an automated teller machine (ATM), call center, vehicle, or other interface can be based on device properties or device capabilities.
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公开(公告)号：US11972425B1
公开(公告)日：2024-04-30
申请号：US16557481
申请日：2019-08-30
发明人： Daniel Alexander David , Christina Zikeli , Kellie L. Thomas , Jeffrey A. Knight , Todd Klapprodt , Loftlon Worth
CPC分类号： G06Q20/4012 , G06Q20/102 , G06Q20/108
摘要： Methods, apparatuses, and computer program products are disclosed for account verification. An example method includes receiving a request for payment transmission from a payment provider device and generating a first verification element for a payment destination device associated with the request for payment transmission. The method further includes transmitting the first verification element to the payment destination device via a first real-time payment message. In an instance in which the computing device receives responsive authorization from the payment destination device, the method includes verifying the payment destination device. In response to verifying the payment destination device, the method includes transmitting a first real-time payment to the payment destination device. In an instance in which the computing device fails to receive responsive authorization from the payment destination device, the method includes transmitting a verification failure notification to the payment provider device.
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公开(公告)号：US11968162B1
公开(公告)日：2024-04-23
申请号：US17507059
申请日：2021-10-21
发明人： Ibrahima Yague , Ying Jessica Zhao
IPC分类号： H04L51/23 , G06Q10/107 , H04L51/212
CPC分类号： H04L51/23 , G06Q10/107 , H04L51/212
摘要： A message is monitored to determine whether a response is required based on message compliance regulations. The monitoring of the message comprises automatically identifying one or more parts of the message that are not relevant to the monitoring of the message based on the message compliance regulations; automatically excluding the one or more parts of the message that are not relevant from the monitoring of the message based on the message compliance regulations; identifying content in a part of the message that is not excluded from the monitoring of the message that can indicate that a response is required based on the message compliance regulations. When the content that can indicate that a response is required based on the message compliance regulations is discovered in the part of the message that is not excluded from the monitoring of the message, the message is automatically designated for further analysis.
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