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    REAL-TIME PROVISIONING OF TARGETED, ALTERNATIVE PRODUCT INFORMATION BASED ON STRUCTURED MESSAGING DATA
    1.
    发明公开
    REAL-TIME PROVISIONING OF TARGETED, ALTERNATIVE PRODUCT INFORMATION BASED ON STRUCTURED MESSAGING DATA 审中-公开

    公开(公告)号：US20240362699A1

    公开(公告)日：2024-10-31

    申请号：US18771468

    申请日：2024-07-12

    Applicant: The Toronto-Dominion Bank

    Inventor： Christopher Mark JONES ,  Barry Wayne Baird, JR. ,  Claude Bernell Lawrence, JR. ,  Jonathan Joseph Prendergast

    IPC: G06Q30/0601 ,  G06Q20/32

    CPC classification number: G06Q30/0631 ,  G06Q20/3255

    Abstract: The disclosed embodiments include computer-implemented systems and processes that provision targeted alternative product information based on structured messaging data. For example, an apparatus may receive a message that characterizes a real-time payment requested by a first counterparty from a second counterparty, and is associated with a first product provisioned to the second counterparty by the first counterparty. The apparatus may determine that a second product is available to the second counterparty based on the message. Further, the apparatus may transmit notification data to a device operable by the second counterparty. The notification data includes product data characterizing the second product, and causes an application program executed at the device to present at least a portion of the product data within a digital interface. The apparatus also receives a response to the notification data from the device and, based on the response, provisions the second product to the second counterparty.

    Hold condition in a resource transfer system
    3.
    发明授权
    Hold condition in a resource transfer system 有权

    公开(公告)号：US12099988B2

    公开(公告)日：2024-09-24

    申请号：US17863318

    申请日：2022-07-12

    Applicant: RIPPLE LUXEMBOURG S.A.

    Inventor： Stefan Thomas ,  Evan Schwartz ,  Robert Way

    IPC: G06Q20/32 ,  G06F21/64 ,  G06Q20/02 ,  G06Q20/22 ,  G06Q20/38

    CPC classification number: G06Q20/3255 ,  G06F21/64 ,  G06Q20/027 ,  G06Q20/223 ,  G06Q20/3825 ,  G06Q20/389 ,  G06Q2220/00

    Abstract: Systems and techniques are provided for a resource transfer system. An instruction to transfer a first quantity of a resource from a first resource pool to a second resource pool may be received. A hold may be placed on a second quantity of the resource in the first resource pool. The held second quantity of the first resource may not be transferred from the first resource pool until the hold is released. Responsive to receiving a message that fulfills a condition on the hold and an instruction to execute the transfer, the hold may be released. A register that is in the first resource pool and is associated with the resource may decremented by the first quantity, and a register that is in the second resource pool and is associated with the resource may be incremented by the first quantity.

    Real-time provisioning of targeted, alternative product information based on structured messaging data
    4.
    发明授权
    Real-time provisioning of targeted, alternative product information based on structured messaging data 有权

    公开(公告)号：US12067606B2

    公开(公告)日：2024-08-20

    申请号：US17546422

    申请日：2021-12-09

    Applicant: The Toronto-Dominion Bank

    Inventor： Christopher Mark Jones ,  Barry Wayne Baird, Jr. ,  Claude Bernell Lawrence, Jr. ,  Jonathan Joseph Prendergast

    IPC: G06Q30/00 ,  G06Q20/32 ,  G06Q30/0601

    CPC classification number: G06Q30/0631 ,  G06Q20/3255

    Abstract: The disclosed embodiments include computer-implemented systems and processes that provision targeted alternative product information based on structured messaging data. For example, an apparatus may receive a message that characterizes a real-time payment requested by a first counterparty from a second counterparty, and is associated with a first product provisioned to the second counterparty by the first counterparty. The apparatus may determine that a second product is available to the second counterparty based on the message. Further, the apparatus may transmit notification data to a device operable by the second counterparty. The notification data includes product data characterizing the second product, and causes an application program executed at the device to present at least a portion of the product data within a digital interface. The apparatus also receives a response to the notification data from the device and, based on the response, provisions the second product to the second counterparty.

    AUTHORIZING PEER-TO-PEER PAYMENTS IN MESSAGING APPLICATIONS
    6.
    发明公开
    AUTHORIZING PEER-TO-PEER PAYMENTS IN MESSAGING APPLICATIONS 审中-公开

    公开(公告)号：US20240193613A1

    公开(公告)日：2024-06-13

    申请号：US18063614

    申请日：2022-12-08

    Applicant: WhatsApp LLC

    Inventor： Biren Arvindkumar Patel ,  Shipeng Xu

    IPC: G06Q20/42 ,  G06Q20/22 ,  G06Q20/32 ,  G06Q20/40

    CPC classification number: G06Q20/42 ,  G06Q20/223 ,  G06Q20/3255 ,  G06Q20/405

    Abstract: A method for transferring funds in a peer-to-peer transaction through a messaging application is provided. The method includes receiving, in a server hosting a messaging application, a selection of a transaction recipient by a user of the messaging application, verifying a validity of the transaction based on at least one of a user attribute and a transaction recipient setting in the messaging application. When the transaction is validated, the method includes providing the user of the messaging application with an approval button for accepting the transaction, applying the transaction when the user of the messaging application accepts the transaction, and disabling the approval button when the transaction is not validated. A system including a memory storing instructions and one or more processors to execute the instructions and cause the system to perform the above method is also provided.

    METHOD AND APPARATUS FOR IMPROVING SECURITY OF A COMPUTER NETWORK UTILIZING SIMPLE MAIL TRANSFER PROTOCOL (SMTP)
    8.
    发明公开
    METHOD AND APPARATUS FOR IMPROVING SECURITY OF A COMPUTER NETWORK UTILIZING SIMPLE MAIL TRANSFER PROTOCOL (SMTP) 审中-公开

    公开(公告)号：US20240127254A1

    公开(公告)日：2024-04-18

    申请号：US18313950

    申请日：2023-05-08

    Applicant: SWOOP IP HOLDINGS LLC

    Inventor： James KASSEMI ,  Lawrence Glen HOLCOMB ,  John P. KILLORAN, JR. ,  Patrick KILLORAN

    IPC: G06Q20/40 ,  G06Q10/107 ,  G06Q20/32 ,  G06Q20/42

    CPC classification number: G06Q20/405 ,  G06Q10/107 ,  G06Q20/3255 ,  G06Q20/425

    Abstract: An email-based e-commerce system is disclosed with additional features for added security. The system may include security features for email based e-commerce providing added assurance to customers of a higher level of protection than generally required. These security features enhance the password reset function without requiring a password, generate confirmations on outside messaging systems and implement an oversight management tool for authorizing transactions. The methods and apparatus described herein may enhance security by designing a system that can confirm payments through a separate non-email based media. The e-commerce system may send alerts or requests for confirmation in a variety of media to ensure a secure payment process. The methods and apparatus described herein may expand the list of individuals that may request or approve payments based on a single account registered by a single credit card holder. A single user may receive requests from registered sub-customers for payments by email.

    Verification of items by automated checkout system
    10.
    发明授权
    Verification of items by automated checkout system 有权

    公开(公告)号：US11935374B2

    公开(公告)日：2024-03-19

    申请号：US17964595

    申请日：2022-10-12

    Applicant: Target Brands, Inc.

    Inventor： Todd A. Hagen ,  Andrew Wipf ,  Donnie Tolbert ,  Arne Wilkin

    IPC: G07G1/00 ,  G06Q20/20 ,  G06Q20/32

    CPC classification number: G07G1/009 ,  G06Q20/202 ,  G06Q20/208 ,  G06Q20/3255 ,  G07G1/0072 ,  G07G1/0081

    Abstract: In some implementations, a system for verifying items in a retail environment includes a physical shopping cart including a first set of sensors, and an automated checkout station including a second, different set of sensors. The physical shopping cart receives item verification data for verifying an item, detects the item as it enters the physical shopping cart, and performs a primary verification of the item. The automated checkout station obtains a virtual shopping cart that corresponds to the physical shopping cart. The virtual shopping cart includes a list of items that have been placed in the physical shopping cart, and a verification status of each item. The second, different set of sensors generate station sensor data that represents the physical shopping cart and the items in the physical shopping cart. A secondary verification of the physical shopping cart and its contents is performed by the automated checkout station.

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