公开(公告)号：US20240078532A1

公开(公告)日：2024-03-07

申请号：US18508893

申请日：2023-11-14

申请人： Capital One Services, LLC

发明人： Carine TODMIA ,  Eric MEDIN ,  Kelly Jo BROWN

IPC分类号： G06Q20/32 ,  G06Q20/34 ,  G07F9/00

CPC分类号： G06Q20/3274 ,  G06Q20/3226 ,  G06Q20/349 ,  G06Q20/355 ,  G07F9/001

摘要： A card dispenser for dispensing a rewritable card is disclosed herein. The card dispenser may include a card feeder for receiving or dispensing a rewritable card. In addition, the card dispenser includes a roller assembly for moving the card from the card feeder to components within the card dispenser; a processor for receiving card data via a short-range wireless connection with a mobile device of a user, the card data including (i) a card identifier of a plurality of card identifiers associated with an account of the user and (ii) a unique derivation key for encrypting the card identifier; and a card writer for powering an electrophoretic display of the card, causing at least a portion of the card data to be rendered on the display, and stopping the powering of the display.

公开(公告)号：US11900362B1

公开(公告)日：2024-02-13

申请号：US17510309

申请日：2021-10-25

申请人： Wells Fargo Bank, N.A.

发明人： Michelle B. Techel ,  Peter Ho ,  Timothy R. Edge ,  Dorothy M. Scocci ,  Brenda L. Yost ,  Kathy Barris Dideum ,  Cheryl Lynn Wong ,  Steven E. Puffer ,  Stephanie S. Hellman ,  Brian M. Pearce ,  James D. Crowell ,  Khyati Soparkar

IPC分类号： G06Q20/36 ,  G06F3/0481 ,  G06Q20/34

CPC分类号： G06Q20/3674 ,  G06F3/0481 ,  G06Q20/349 ,  G06Q20/3672

摘要： Methods and systems of managing payment cards are disclosed. A financial institution computing system includes a token database storing a plurality of tokens and token information, a network interface circuit enabling the financial institution computing system to exchange information over a network; and a token management circuit. The token management circuit enables a graphical user interface on a customer device over the network that can be used to generate new token requests, re-provision token requests, and management requests. The management requests enable and disable tokens, such that transactions against a payment card account using an enabled token are completed, and transactions against the payment card account using a disabled token are denied.

公开(公告)号：US11676131B2

公开(公告)日：2023-06-13

申请号：US17878234

申请日：2022-08-01

申请人： GiftYa LLC

发明人： Thomas M. Isaacson ,  Ryan C. Durham ,  Jason Wolfe ,  Patrick Ledbetter ,  Adam Ludwig

IPC分类号： G06Q30/00 ,  G06Q20/34 ,  G06Q40/02 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/38 ,  G06Q20/24 ,  G06Q20/12 ,  G06Q30/0207 ,  G06Q20/36 ,  G06Q20/40 ,  G07F17/26 ,  H01L21/683 ,  H01L21/687

CPC分类号： G06Q20/342 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/12 ,  G06Q20/123 ,  G06Q20/20 ,  G06Q20/24 ,  G06Q20/34 ,  G06Q20/349 ,  G06Q20/351 ,  G06Q20/3672 ,  G06Q20/387 ,  G06Q20/405 ,  G06Q30/0207 ,  G06Q40/02 ,  G07F17/26 ,  H01L21/6833 ,  H01L21/68757 ,  H01J2237/20

摘要： Disclosed are systems and methods for processing gift transactions. An example method includes receiving an identification of a first merchant from a giver at a first time, wherein a gift from the giver to a recipient is redeemable at the first merchant. The method can include generating a policy comprising the first merchant. The policy can be at least in part giver-defined and linked to the recipient payment account. The method can then include transmitting an electronic notice to a recipient device, receiving a selection from the recipient of a second merchant at which to redeem the gift from the giver, updating the policy to apply to the second merchant selected by the recipient to yield an updated policy and, upon receiving an indication of a triggering event caused by use of the recipient payment account as defined by the updated policy, applying an amount of money to the gift.

公开(公告)号：US11669825B2

公开(公告)日：2023-06-06

申请号：US17501404

申请日：2021-10-14

申请人： VOCALINK LIMITED

发明人： Steven Paul Jackets ,  Nicola Guiso ,  Alana Georgia Deighan ,  Fiona Emily Benton Robinson ,  Ivan Jordanov Katsarov

IPC分类号： G06Q20/00 ,  G06Q20/28 ,  G06Q20/22 ,  G06Q20/34 ,  G06Q20/40

CPC分类号： G06Q20/28 ,  G06Q20/223 ,  G06Q20/346 ,  G06Q20/349 ,  G06Q20/403 ,  G06Q20/40145

摘要： A method for peer-to-peer prepaid card accounts can create a prepaid card that can receive donations through a QR code disposed on the physical card. Restrictions can also be placed on the card to control where or how the funds may be used. The method can, in response to receiving a request at a card management service to create an account, obtain account information, wherein the account information comprises a user name, an account number, a QR code image, and optionally a biometric data. The account information can be stored as a card account for the user, which is funded by receiving a payment from a second party using the QR code. Then, when a card holder uses the card for a transaction, the card management service can function as an issuer to authorize its use.

公开(公告)号：US20180108006A1

公开(公告)日：2018-04-19

申请号：US15847673

申请日：2017-12-19

申请人： NEOLOGY, INC.

发明人： Francisco Martinez de Velasco Cortina ,  Joe Mullis ,  Manfred Rietzler ,  Sheshi Nyalamadugu ,  Rodolfo Monsalvo

IPC分类号： G06Q20/32 ,  G06K19/07 ,  G06K19/077 ,  G06Q20/28 ,  G07B15/06 ,  G06Q20/34 ,  G06Q20/36 ,  G06Q50/30

CPC分类号： G06Q20/3278 ,  G06K19/0723 ,  G06K19/0724 ,  G06K19/07794 ,  G06Q20/28 ,  G06Q20/3227 ,  G06Q20/342 ,  G06Q20/349 ,  G06Q20/351 ,  G06Q20/352 ,  G06Q20/36 ,  G06Q20/363 ,  G06Q50/30 ,  G07B15/063

摘要： An account is managed using information read from a dual frequency transponder. Information stored on the dual frequency transponder can be read by a NFC-enabled device and by a UHF RFID reader. The information links, corresponds, or otherwise provides access to account information stored at a remote server. For example, a NFC-enabled device can read the information from the dual frequency transponder and use that information to enable instant and on-the-spot recharging of a toll account. In addition, a UHF RFID toll reader can scan information from the dual frequency transponder and use that information to debit toll charges from the correct toll account. The dual frequency transponder can be embedded in a license plate and read using a reader placed in the road. Additionally, the transponder can be configured to function at the correct frequency only when a valid vehicle registration sticker is applied to the license plate.

公开(公告)号：US09947006B2

公开(公告)日：2018-04-17

申请号：US14227433

申请日：2014-03-27

申请人： MasterCard International Incorporated

发明人： Patrick Mestré ,  Cristian Radu ,  Patrik Smets ,  Simon Phillips ,  Ronald D. Carter

IPC分类号： G06Q20/32 ,  G06Q20/20 ,  G06Q20/40 ,  G07F7/10 ,  G06Q20/16 ,  G06Q20/28 ,  G06Q20/34 ,  G06Q20/38 ,  H04K1/00

CPC分类号： G06Q20/3278 ,  G06Q20/16 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q20/28 ,  G06Q20/32 ,  G06Q20/3433 ,  G06Q20/349 ,  G06Q20/381 ,  G06Q20/40 ,  G06Q20/4012 ,  G06Q20/4016 ,  G06Q20/409 ,  G07F7/1025

摘要： A payment-enabled mobile device receives, during a first tap of the mobile device on a proximity reader component of a point of sale (POS) terminal, first transaction context data for a current transaction, and receives during a second tap of the mobile device on the proximity reader component, second transaction context data for the current transaction. When the mobile device determines that the second tap is for the same transaction as the first tap, and that one of a customer verification method (CVM) status or a user acknowledgment status flag has been set, then it transmits a payment card account number to the POS terminal to consummate the transaction.

公开(公告)号：US20170154324A1

公开(公告)日：2017-06-01

申请号：US15360487

申请日：2016-11-23

申请人： MASTERCARD INTERNATIONAL INCORPORATED

发明人： Karan Singh ,  Vikram Jammihal ,  Sanjiv Purushotham ,  Hassan Akbar ,  Sumit Mittal

IPC分类号： G06Q20/32 ,  G06Q20/10 ,  G06Q20/14

CPC分类号： G06Q20/3226 ,  G06Q20/10 ,  G06Q20/14 ,  G06Q20/28 ,  G06Q20/349 ,  G06Q20/351 ,  G06Q20/354

摘要： A method of facilitating e-commerce and/or contactless payments funded by a funding account that is blocked from directly making such payments, said method comprising a virtual card interface computing system, comprising an application running on a user device and a server: storing details to link a virtual card (VC) account with said funding account at said server; receiving an instruction from a user of said VC account through said application to transfer funds from the funding account to the VC account; and initiating requesting said transfer from an issuer of the funding account. Also, a method of making an e-commerce or contactless payment funded by a funding account that is blocked from directly making such payments comprising: funding a VC account according to the aforementioned method; and subsequently making said payment by providing VC credentials of the VC account to a payee.

公开(公告)号：US20170148262A1

公开(公告)日：2017-05-25

申请号：US15423918

申请日：2017-02-03

申请人： Sightline Interactive LLC

发明人： Kirk E. Sanford ,  Thomas M. Sears ,  Omer Sattar

IPC分类号： G07F17/32

CPC分类号： G07F17/3251 ,  G06Q20/227 ,  G06Q20/349 ,  G06Q20/387 ,  G06Q30/0226 ,  G06Q50/34 ,  G07F17/3227 ,  G07F17/3237 ,  G07F17/3239 ,  G07F17/3241 ,  G07F17/3244 ,  G07F17/3255

摘要： Systems and methods are disclosed for associating a player identifier with a financial account. The financial account can holds funds that are accessible through the player's use of a payment vehicle. Information associated with transactions using the payment vehicle can be used for player relationship purposes.

公开(公告)号：US20170132612A1

公开(公告)日：2017-05-11

申请号：US15205757

申请日：2016-07-08

申请人： Murray Jarman ,  Shane Jarman ,  Regan O'Reilly ,  Scott Barlow

发明人： Murray Jarman ,  Shane Jarman ,  Regan O'Reilly ,  Scott Barlow

IPC分类号： G06Q20/34 ,  G06K7/00 ,  G06Q20/20 ,  G06K7/14

CPC分类号： G06Q20/349 ,  G06K7/0013 ,  G06K7/1413 ,  G06Q10/00 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q20/322 ,  G06Q20/343 ,  G07F7/088 ,  G07F7/0893

摘要： A system for receiving a value on or associated with a consumer card or cellular telephone in lieu of actually receiving coin change from a particular sale of merchandise or services at a point of sale terminal or cash register. Instead of receiving an odd amount of coin change after a purchase, the read/write device can augment a total value either stored on the card or cellular telephone itself or in an account associated with the card or cellular telephone. A consumer can redeem value up to the amount on the card or cellular telephone at participating stores as if it were a gift card.

公开(公告)号：US20170111349A1

公开(公告)日：2017-04-20

申请号：US15396131

申请日：2016-12-30

申请人： Pinsheng SUN

发明人： Pinsheng SUN

IPC分类号： H04L29/06 ,  G06K19/10

CPC分类号： H04L63/083 ,  G06F7/12 ,  G06K19/10 ,  G06Q20/341 ,  G06Q20/349 ,  G06Q20/355 ,  G06Q20/3552

摘要： A portable electronic card system and a verifying method thereof are provided. The portable electronic card system includes: a portable personal electronic device, a rewritable card, and a writing device. The portable personal electronic device is used for obtaining a certificated code and a personal information from a remote controller. When a bidirectional verifying communication is performed between the remote controller and the portable electronic device to download the personal information, security code stored in the rewritable card be compared with security code stored in the portable electronic device for verifying and writing the personal information into the rewritable card, and another security code is generated to update or replace the original security code stored in the portable electronic device and the rewritable card.