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16071 条记录 (耗时 0.041 秒)

    Transferring money using electronic messages
    81.
    发明授权
    Transferring money using electronic messages 有权

    公开(公告)号：US11941638B2

    公开(公告)日：2024-03-26

    申请号：US15905596

    申请日：2018-02-26

    申请人： Block, Inc.

    发明人： Jack Dorsey ,  Jesse Wilson ,  Brian Grassadonia

    IPC分类号： G06Q20/42 ,  G06Q10/107 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q40/02

    CPC分类号： G06Q20/42 ,  G06Q10/107 ,  G06Q20/023 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q40/02

    摘要： Methods, systems, and apparatus, including computer programs encoded on computer storage media, for transferring money using email. One of the methods includes receiving a user input of a funds-transfer request from a sender associated with a first identifier to one or more recipients associated with one or more second identifiers, respectively, generating one or more electronic messages based on the user input, each being operable to allow a respective recipient to send a funds-transfer authorization, sending the electronic messages to the recipients based on the second identifiers, receiving one or more funds-transfer authorizations from the one or more recipients, respectively, identifying a sender account based on the first identifier and one or more recipient accounts based on the one or more second identifiers, respectively; and initiating one or more transfers of funds from the one or more recipient accounts to the sender account, respectively.

    Systems and Methods for Implementing a Confirmation Period
    84.
    发明公开
    Systems and Methods for Implementing a Confirmation Period 审中-公开

    公开(公告)号：US20240087025A1

    公开(公告)日：2024-03-14

    申请号：US18514167

    申请日：2023-11-20

    申请人： Trading Technologies International, Inc.

    发明人： Patricia A. Messina

    IPC分类号： G06Q40/04 ,  G06Q40/00

    CPC分类号： G06Q40/04 ,  G06Q40/00 ,  G06Q40/02

    摘要： Systems and methods for implementing a confirmation period are disclosed. An example method includes identifying a market condition associated with a quantity of a tradeable object of a trading strategy, wherein the market condition triggers an adjustment to the trading strategy; initiating a confirmation period in response to the market condition; when a reevaluation of the market condition during the confirmation period indicates that the market condition has ceased, preventing the adjustment to the trading strategy; and when the market condition persists throughout the confirmation period, proceeding with the adjustment to the trading strategy.

    DATA RECONCILIATION BASED ON COMPUTER ANALYSIS OF DATA
    85.
    发明公开
    DATA RECONCILIATION BASED ON COMPUTER ANALYSIS OF DATA 审中-公开

    公开(公告)号：US20240087009A1

    公开(公告)日：2024-03-14

    申请号：US18517921

    申请日：2023-11-22

    申请人： Xero Limited

    发明人： Kieran Gorman ,  Craig Walker

    IPC分类号： G06Q40/02 ,  G06Q40/00

    CPC分类号： G06Q40/02 ,  G06Q40/00 ,  G06N20/00

    摘要： Methods, systems, and computer programs are presented for reconciling a transaction against data in a database to identify the transaction parameters based on text descriptors provided for the transaction. One method includes an operation for identifying features for reconciling transactions of a first entity by a machine-learning program. The features include, at least, a description of the transaction, a name of a second entity in the transaction, a location of the second entity, and an account for the transaction. The machine-learning program is trained with training data that includes values of the features for previously reconciled transactions. A received first transaction includes a description, a date, and an amount. The first transaction is input for the machine-learning program, which generates one or more suggestions for reconciling the first transaction. Each suggestion includes the name of the second entity in the first transaction and an account.

    AGGREGATED TRANSACTION ACCOUNTS
    86.
    发明公开
    AGGREGATED TRANSACTION ACCOUNTS 审中-公开

    公开(公告)号：US20240070677A1

    公开(公告)日：2024-02-29

    申请号：US17986253

    申请日：2022-11-14

    申请人： Joseph Wayne Stafford

    发明人： Joseph Wayne Stafford

    IPC分类号： G06Q20/40 ,  G06Q40/02

    CPC分类号： G06Q20/405 ,  G06Q20/4037 ,  G06Q40/02 ,  G06Q20/4018 ,  G06Q30/0185

    摘要： Disclosed are various embodiments for using aggregated transaction accounts to make purchases. A transaction authorization request for a transaction is received from a merchant device, the transaction authorization request comprising an aggregated transaction account identifier, a transaction amount, and a merchant identifier. Multiple linked transaction accounts associated with an aggregated transaction account identified by the aggregated transaction account identifier are then identified or selected. At least a portion of the transaction amount is debited from each of the multiple linked transaction accounts. Then, an authorization response is sent to the merchant device, the authorization response indicating that the transaction is authorized for the transaction amount.

    System and process for tokenization and management of liability
    87.
    发明授权
    System and process for tokenization and management of liability 有权

    公开(公告)号：US11915332B2

    公开(公告)日：2024-02-27

    申请号：US15284457

    申请日：2016-10-03

    申请人： LOYYAL CORPORATION

    发明人： Shannon Code ,  Sean Dennis ,  Gregory Simon

    IPC分类号： G06Q50/18 ,  G06Q40/02

    CPC分类号： G06Q50/188 ,  G06Q40/02

    摘要： A system and process for management of liabilities is disclosed. The embodiments mitigate variance in the assessment of liability values. In an exemplary embodiment, a liability may be created under rules stored in the form of an digital token. The rules may form a smart contract wherein the terms within the contract change automatically based on criteria being met. The token associated with the smart contract may have tangible value that can appreciate/depreciate and may thus be a tradeable asset or commodity. The inventory of liabilities associated with an issuer may thus be tracked and value precisely assessed.

    User score model training and calculation
    88.
    发明授权
    User score model training and calculation 有权

    公开(公告)号：US11915311B2

    公开(公告)日：2024-02-27

    申请号：US15954378

    申请日：2018-04-16

    申请人： TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED

    发明人： Peixuan Chen ,  Qian Chen ,  Lin Li ,  Sanping Wu ,  Weiliang Zhuang

    IPC分类号： G06Q40/03 ,  G06N20/00 ,  G06Q40/02 ,  G06N5/045

    CPC分类号： G06Q40/03 ,  G06N5/045 ,  G06N20/00 ,  G06Q40/02

    摘要： A method, apparatus, and server for generating a user score based on social networking information is provided. In the disclosed method, by processing circuitry of an information processing apparatus, default annotation information of a plurality of sampled users, an ith user score and an ith relative user score for each of the sampled users are obtained. A user score model is trained according to the ith user score of the respective sampled user, the ith relative user score of the respective sampled user, and the default annotation information of the respective sampled user. An (i+1)th user score of the respective sampled user is subsequently calculated and a trained user score model, for each of the sampled users, is obtained when the (i+1)th user score for the respective sampled user satisfies a training termination condition, The method provides a solution to evaluate the user score for a use when personal information of the user is missing or incorrect.

    Animated two-dimensional barcode checks
    89.
    发明授权
    Animated two-dimensional barcode checks 有权

    公开(公告)号：US11915210B2

    公开(公告)日：2024-02-27

    申请号：US17152661

    申请日：2021-01-19

    申请人： PAYPAL, INC.

    发明人： Kenneth Kang

    IPC分类号： G06Q20/04 ,  G06Q20/10 ,  G06Q40/02 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/38

    CPC分类号： G06Q20/0425 ,  G06Q20/108 ,  G06Q20/20 ,  G06Q20/3274 ,  G06Q20/3825 ,  G06Q20/38215 ,  G06Q40/02

    摘要： Systems and methods are disclosed to provide an animated 2D barcode check that is used to securely and efficiently transmit financial information between mobile devices. The financial information includes a check written by a payer and transmitted to a merchant. The check includes account information of the payer and of the merchant with a payment service provider, a payment amount, and a cryptographic signature that has been certified by the payment service provider. The payer's mobile device encodes the check into a sequence of 2D barcodes and displays the sequence of 2D barcodes in a loop that is scanned by a camera on the merchant's mobile device. The merchant uses the cryptographic signature to verify the validity of the signature on the check without having Internet connectivity to the payment service provider. The merchant may later present the check to the payment service provider to receive payment.