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公开(公告)号：US12062049B2
公开(公告)日：2024-08-13
申请号：US17591244
申请日：2022-02-02
申请人： Bolt Financial, Inc.
CPC分类号： G06Q20/4016 , G06Q20/407 , G06Q20/4093
摘要： A method for sending a notification indicating fraud using a transaction authorization channel is described. Upon performing a fraud analysis on a first transaction previously authorized by an issuer of an account via the transaction authorization channel, a determination that the first transaction has indications of fraud is performed. In response to determining that the first transaction has indications of fraud, a transaction authorization request message for a second transaction is generated to include a billing descriptor field with data representing a notification of fraud on the account. The transaction authorization request message for the second transaction is sent, via the transaction authorization channel, to an electronic device associated with the issuer of the account so that it will modify the account to include a transaction entry for the second transaction that will be recognized as a fraud notification when an account holder of the account views pending transactions.
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公开(公告)号：US20220343407A1
公开(公告)日：2022-10-27
申请号：US17240899
申请日：2021-04-26
申请人： Bolt Financial, Inc.
摘要： In one embodiment, a method includes receiving a request corresponding to a user interaction on a content platform with a content item, the user interaction originating from a user device. The method includes determining, based on the request, an inventory item and a merchant provider of the inventory item. The method includes confirming availability of the inventory item from the merchant provider. The method includes causing a native checkout user interface to be presented on the user device in conjunction with the content platform. The native checkout user interface corresponds to the inventory item determined from the request. The method includes receiving a checkout request for the inventory item via the native checkout user interface presented on the user device. The checkout request originates from the user device. The method includes facilitating an order between the user and the merchant based on the checkout request.
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公开(公告)号：US20220156746A1
公开(公告)日：2022-05-19
申请号：US17591244
申请日：2022-02-02
申请人： Bolt Financial, Inc.
IPC分类号： G06Q20/40
摘要： A method for sending a notification indicating fraud using a transaction authorization channel is described. Upon performing a fraud analysis on a first transaction previously authorized by an issuer of an account via the transaction authorization channel, a determination that the first transaction has indications of fraud is performed. In response to determining that the first transaction has indications of fraud, a transaction authorization request message for a second transaction is generated to include a billing descriptor field with data representing a notification of fraud on the account. The transaction authorization request message for the second transaction is sent, via the transaction authorization channel, to an electronic device associated with the issuer of the account so that it will modify the account to include a transaction entry for the second transaction that will be recognized as a fraud notification when an account holder of the account views pending transactions.
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公开(公告)号：US20230033490A1
公开(公告)日：2023-02-02
申请号：US17387906
申请日：2021-07-28
申请人： Bolt Financial, Inc.
发明人： Emily Yeh , Chetan Gowda
摘要： In one embodiment, a method includes facilitating placing an order by a buyer with a seller. The method includes selecting product recommendations for the buyer using a product recommendation model. The method includes causing an order tracking user interface corresponding to the order to be presented to the buyer on a user device of the buyer. The order tracking user interface includes interactive elements corresponding to a selected product recommendation. The method includes receiving, from the user device of the buyer, a selection of one of the interactive elements corresponding to a selected product recommendation. The method includes retrieving payment information for the buyer based on receiving the selection of the interactive element. The method includes automatically facilitating an order for the product corresponding to the selected interactive element based on the retrieved payment information for the buyer.
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公开(公告)号：US20220270094A1
公开(公告)日：2022-08-25
申请号：US17379881
申请日：2021-07-19
申请人： Bolt Financial, Inc.
摘要： In one embodiment, a method includes receiving, by a transaction processing system, a request to access a customer account associated with the transaction processing system. The request includes a user identifier. The method includes determining that the user identifier is associated with an account record for a customer stored in a database associated with the transaction processing system. The method includes verifying authorization to access the customer account associated with the transaction processing system by sending a confirmation code via a communication channel associated with the user identifier. The method includes coordinating with a merchant account platform system to associate the customer account associated with the transaction processing system with a customer account associated with the merchant.
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公开(公告)号：US20210390550A1
公开(公告)日：2021-12-16
申请号：US17348517
申请日：2021-06-15
申请人： Bolt Financial, Inc.
发明人： Yangdong Liao , Zachary A. Barnes
摘要： In one embodiment, a method for conducting a model-based chargeback representment includes acquiring, by a transaction processing system, a record of a chargeback asserted by a customer against a merchant for a transaction. The method includes determining, by the transaction processing system and using a chargeback representment model, a confidence of asserting chargeback representment for the chargeback, wherein the chargeback representment model is trained to predict the success of a chargeback representment based on analyzing the context and characteristics of a chargeback. The method includes facilitating, by the transaction processing system, chargeback representment for the chargeback for the transaction. The method includes receiving, by the transaction processing system, results of the chargeback representment for the chargeback. The method includes providing, by the transaction processing system, the results of the chargeback representment for the chargeback to the merchant.
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公开(公告)号：US12050897B2
公开(公告)日：2024-07-30
申请号：US17387873
申请日：2021-07-28
申请人： Bolt Financial, Inc.
CPC分类号： G06F8/65 , G06Q20/085 , H04L67/34
摘要： In one embodiment, a method for providing assets from an asset origin to client devices includes receiving, by a computing system, a request to access a frontend asset from a first client device of the client devices. The method includes determining, by the computing system, an asset selection criteria. The method includes modifying, by the computing system through a dynamic function based on the asset selection criteria, a request for the asset origin to select a particular asset from multiple assets that are responsive to the request to access the frontend asset. The method includes causing, by the computing system, the asset origin to provide the particular asset to the first client device by providing the modified request to the asset origin.
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公开(公告)号：US20220351275A1
公开(公告)日：2022-11-03
申请号：US17240883
申请日：2021-04-26
申请人： Bolt Financial, Inc.
摘要： In one embodiment, a method includes receiving user identifying information in association with a checkout request for an order. The method includes determining that a user account with a transaction processing system associated with the user identifying information does not exist in a database associated with the transaction processing system. The method includes, subsequent to determining that the user account associated with the user identifying information does not exist, receiving payment information for the order from the user. The method includes concurrently receiving an order confirmation and authorization to create a new account with the transaction processing system corresponding to the user identifying information. The method includes facilitating authorization for the order. The method includes storing the received payment information in association with the user identifying information in the database.
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公开(公告)号：US20240232991A1
公开(公告)日：2024-07-11
申请号：US18615612
申请日：2024-03-25
申请人： Bolt Financial, Inc.
IPC分类号： G06Q30/0601 , G06Q20/38 , G06Q20/42 , H04L67/306
CPC分类号： G06Q30/0637 , G06Q20/385 , G06Q20/42 , G06Q30/0641 , H04L67/306
摘要： In one embodiment, a method includes presenting a guest checkout interface in an application executing on the user computing device, the guest checkout interface being presented in association with an order, receiving user identifying information in association with the order through the guest checkout interface, sending the user identifying information to a computing system associated with a transaction processing system, receiving a notification from the transaction processing system that the user identifying information is not associated with a user account associated with the transaction processing system, receiving payment information and order information for the order through the guest checkout interface, sending the received payment information and order information to the transaction processing system, and presenting an order confirmation and user account creation interface.
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公开(公告)号：US11941684B2
公开(公告)日：2024-03-26
申请号：US17240883
申请日：2021-04-26
申请人： Bolt Financial, Inc.
IPC分类号： G06Q30/0601 , G06Q20/38 , G06Q20/42 , H04L67/306
CPC分类号： G06Q30/0637 , G06Q20/385 , G06Q20/42 , G06Q30/0641 , H04L67/306
摘要： In one embodiment, a method includes receiving user identifying information in association with a checkout request for an order. The method includes determining that a user account with a transaction processing system associated with the user identifying information does not exist in a database associated with the transaction processing system. The method includes, subsequent to determining that the user account associated with the user identifying information does not exist, receiving payment information for the order from the user. The method includes concurrently receiving an order confirmation and authorization to create a new account with the transaction processing system corresponding to the user identifying information. The method includes facilitating authorization for the order. The method includes storing the received payment information in association with the user identifying information in the database.
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