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公开(公告)号：US11636541B2
公开(公告)日：2023-04-25
申请号：US17303671
申请日：2021-06-04
发明人： Jeremy Phillips , Kurry Tran
摘要： A device may receive application questions for an individual applying for credit with an organization. The device may broadcast the application questions to additional devices that have access to a distributed ledger for sharing credit worthiness information to cause at least one of the additional devices to generate an application response to the application questions and to process the application response using a smart contract. The device may receive one or more application responses that have been encrypted. Each of the application responses may include particular credit worthiness information relating to the individual. The device may decrypt the application responses. The device may determine a credit worthiness score for the individual using the application responses. The device may perform one or more actions that allow the device or another device associated with the organization to use the credit worthiness score to determine whether to approve the individual for credit.
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公开(公告)号：US11030686B2
公开(公告)日：2021-06-08
申请号：US16506304
申请日：2019-07-09
发明人： Jeremy Phillips , Kurry Tran
摘要： A device may receive application questions for an individual applying for credit with an organization. The device may broadcast the application questions to additional devices that have access to a distributed ledger for sharing credit worthiness information to cause at least one of the additional devices to generate an application response to the application questions and to process the application response using a smart contract. The device may receive one or more application responses that have been encrypted. Each of the application responses may include particular credit worthiness information relating to the individual. The device may decrypt the application responses. The device may determine a credit worthiness score for the individual using the application responses. The device may perform one or more actions that allow the device or another device associated with the organization to use the credit worthiness score to determine whether to approve the individual for credit.
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公开(公告)号：US10163070B1
公开(公告)日：2018-12-25
申请号：US15836589
申请日：2017-12-08
发明人： Jeremy Phillips , Zhe Liu , Kurry Tran
摘要： A device may receive a request for a product. Based on the request, the device may determine a geographic location and delivery time for delivery of the product, and the device may identify product locations that are capable of providing the product and located near the geographic location. The device may determine, for each of the product locations and based on the product and at least one product location characteristic, a fulfillment time indicating when the product will be prepared for delivery. In addition, the device may identify at least one potential courier capable of transporting the product. Based on the fulfillment time, the delivery time, the geographic location for delivery, and at least one courier characteristic associated with the potential courier, the device may select a particular product location and a particular courier and perform an action based on the particular product location or the particular courier.
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公开(公告)号：US10963832B2
公开(公告)日：2021-03-30
申请号：US16195111
申请日：2018-11-19
发明人： Jeremy Phillips , Zhe Liu , Kurry Tran
摘要： A device may receive a request for a product. Based on the request, the device may determine a geographic location and delivery time for delivery of the product, and the device may identify product locations that are capable of providing the product and located near the geographic location. The device may determine, for each of the product locations and based on the product and at least one product location characteristic, a fulfillment time indicating when the product will be prepared for delivery. In addition, the device may identify at least one potential courier capable of transporting the product. Based on the fulfillment time, the delivery time, the geographic location for delivery, and at least one courier characteristic associated with the potential courier, the device may select a particular product location and a particular courier and perform an action based on the particular product location or the particular courier.
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公开(公告)号：US10515348B2
公开(公告)日：2019-12-24
申请号：US15811323
申请日：2017-11-13
发明人： Jeremy Phillips , Zhe Liu , Kurry Tran
IPC分类号： G06Q20/10 , H04L29/08 , G07F19/00 , G06F16/2457
摘要： A device may receive, from automated teller machine (ATM) devices, information related to a capability of each of the ATM devices to provide cash, or a fee to be charged by each of the ATM devices in association with providing the cash. The device may receive, from a user device, a request to identify an ATM device of the ATM devices. The device may determine scores for the ATM devices based on the information related to the capability of the one of the ATM devices or the fee to be charged by the one of the ATM devices. The device may determine a rank for the ATM devices based on the scores for the ATM devices. The device may provide, to the user device and based on the rank, information identifying the ATM device or one or more other ATM devices of the ATM devices.
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6.发明申请公开(公告)号：US20190147421A1
公开(公告)日：2019-05-16
申请号：US15811323
申请日：2017-11-13
发明人： Jeremy PHILLIPS , Zhe Liu , Kurry Tran
摘要： A device may receive, from automated teller machine (ATM) devices, information related to a capability of each of the ATM devices to provide cash, or a fee to be charged by each of the ATM devices in association with providing the cash. The device may receive, from a user device, a request to identify an ATM device of the ATM devices. The device may determine scores for the ATM devices based on the information related to the capability of the one of the ATM devices or the fee to be charged by the one of the ATM devices. The device may determine a rank for the ATM devices based on the scores for the ATM devices. The device may provide, to the user device and based on the rank, information identifying the ATM device or one or more other ATM devices of the ATM devices.
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公开(公告)号：US11816674B2
公开(公告)日：2023-11-14
申请号：US16849200
申请日：2020-04-15
发明人： Jeremy Phillips , Kurry Tran
CPC分类号： G06Q20/42 , G06Q20/045 , G06Q20/403 , G06Q20/3276 , G06Q20/3278
摘要： Exemplary embodiments relate to secure documents that are capable of being in an activated or deactivated state. When in the activated state, the document may be redeemable; when in the deactivated state, the document may not be redeemable. The document may be issued in the deactivated state and may require activation before being used. In order to activate the document, a user may log into an account associated with the document and scan a code printed on or embedded in the document. Using their account, the user may issue an activation command. This activation process ensures that, at the time the document is transferred, it is either in the presence of the user or the user is aware of the location of the document, and that the user wishes to authorize the transfer. Thus, even if the document is stolen or misplaced, it cannot be used without the requisite authorization.
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公开(公告)号：US11783335B2
公开(公告)日：2023-10-10
申请号：US17455706
申请日：2021-11-19
发明人： Jeremy Phillips , Zhe Liu , Kurry Tran
CPC分类号： G06Q20/40145 , G06Q20/223 , G06Q20/3224 , G06Q20/4016 , H04L63/0492 , H04L63/0861
摘要： A device may receive transaction data indicating that a transaction occurred. The transaction may be between a first user of a first device and a second user of a second device. The device may receive, from the first device, first sensor data indicating a first location recorded by a first sensor of the first device at a first point in time associated with the transaction; and receive, from the second device, second sensor data indicating a second location recorded by a second sensor of the second device at a second point in time associated with the transaction. Based on the transaction data, the first sensor data, and/or the second sensor data, the device may determine whether the transaction occurred and perform an action based on the determination of whether the transaction occurred.
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公开(公告)号：US11687870B2
公开(公告)日：2023-06-27
申请号：US17249708
申请日：2021-03-10
发明人： Jeremy Phillips , Zhe Liu , Kurry Tran
IPC分类号： G06Q10/08 , G06Q10/06 , G06Q30/06 , G06Q50/28 , G06Q10/0834 , G06Q30/0601 , G06Q10/083 , G06Q10/0631 , G06Q10/087 , G06N20/00
CPC分类号： G06Q10/0834 , G06Q10/06311 , G06Q10/083 , G06Q10/087 , G06Q30/0635 , G06Q30/0639 , G06N20/00 , G06Q30/0601 , G06Q50/28
摘要： A device may receive a request for a product. Based on the request, the device may determine a geographic location and delivery time for delivery of the product, and the device may identify product locations that are capable of providing the product and located near the geographic location. The device may determine, for each of the product locations and based on the product and at least one product location characteristic, a fulfillment time indicating when the product will be prepared for delivery. In addition, the device may identify at least one potential courier capable of transporting the product. Based on the fulfillment time, the delivery time, the geographic location for delivery, and at least one courier characteristic associated with the potential courier, the device may select a particular product location and a particular courier and perform an action based on the particular product location or the particular courier.
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公开(公告)号：US11188915B2
公开(公告)日：2021-11-30
申请号：US16358075
申请日：2019-03-19
发明人： Jeremy Phillips , Zhe Liu , Kurry Tran
摘要： A device may receive transaction data indicating that a transaction occurred. The transaction may be between a first user of a first device and a second user of a second device. The device may receive, from the first device, first sensor data indicating a first location recorded by a first sensor of the first device at a first point in time associated with the transaction; and receive, from the second device, second sensor data indicating a second location recorded by a second sensor of the second device at a second point in time associated with the transaction. Based on the transaction data, the first sensor data, and/or the second sensor data, the device may determine whether the transaction occurred and perform an action based on the determination of whether the transaction occurred.
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