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    Accurate images in graphical user interfaces to enable data transfer
    2.
    发明授权
    Accurate images in graphical user interfaces to enable data transfer 有权

    公开(公告)号：US12236434B2

    公开(公告)日：2025-02-25

    申请号：US18224668

    申请日：2023-07-21

    Applicant: Capital One Services, LLC

    Inventor： Jeffrey Rule ,  Colin Hart

    IPC: G06Q20/40 ,  G06F3/0481 ,  G06K7/10 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q40/02 ,  H04B5/72 ,  H04W12/06

    Abstract: Systems, methods, and computer-readable media for providing accurate images of cards. An application executing on a mobile device may receive authentication credentials for an account, determine a card associated with the account, and determine a card manufacturer identifier (CMID) of the card. The application may receive, from a digital asset management system based on the CMID, a plurality of metadata attributes of the card and one or more images of the card. The application may determine, based on the metadata attributes and attributes of the mobile device, a first orientation of the card to enable near-field communication (NFC) data transfer between the card and the mobile device. The application may select a first image of the card. The application may generate a graphical user interface (GUI) including the first image and an indication specifying to tap the card to the mobile device according to the first orientation.

    Augmented reality card activation experience
    3.
    发明授权
    Augmented reality card activation experience 有权

    公开(公告)号：US12229751B2

    公开(公告)日：2025-02-18

    申请号：US18434917

    申请日：2024-02-07

    Applicant: Capital One Services, LLC

    Inventor： Jeffrey Rule ,  Kevan Emmott

    IPC: G06Q20/34 ,  G06Q20/32 ,  G06Q40/02 ,  G06T19/00

    Abstract: Various embodiments are generally directed to enhancing a card activation experience for an authorized card user when activating a new card by at least displaying various types of information related to the new card in augmented reality (AR) and allowing the user to perform the activation itself or experience other aspects of the activation process in AR. Information pertaining the successful activation of the card may also be provided to the user in AR.

    DEVICE FOR FACILITATION OF PAYMENTS
    5.
    发明申请
    DEVICE FOR FACILITATION OF PAYMENTS 有权

    公开(公告)号：US20250053954A1

    公开(公告)日：2025-02-13

    申请号：US18758493

    申请日：2024-06-28

    Applicant: PayPal, Inc.

    Inventor： Satish Govindarajan ,  Carlos Manuel Rivas ,  Tinyen Shih ,  Anantharaj Uruthiralingam ,  Guhan Senguttuvan

    IPC: G06Q20/32 ,  G06Q20/34 ,  G06Q20/40 ,  G07F7/08

    Abstract: A payment device comprising of a housing, a slot for insertion of a user instrument located on a front surface of the housing, and wherein the housing includes a smart card interface integrated circuit that is configured to read an EMV chip located on the user instrument, and a universal serial bus (USB) type C male connector configured to be inserted into a female connector on a computing device, wherein the USB type C male connector is located on a back surface of the housing, and wherein a size of the USB type C male connector is configured so that when the USB type C male connector is inserted into the female connector on the computing device, the back surface of the housing is within a distance of three centimeters of a surface of the computing device.

    Computer-implemented systems and methods for implementing transfers over a blockchain network
    6.
    发明授权
    Computer-implemented systems and methods for implementing transfers over a blockchain network 有权

    公开(公告)号：US12223501B2

    公开(公告)日：2025-02-11

    申请号：US17431110

    申请日：2020-01-30

    Applicant: nChain Licensing AG

    Inventor： Craig Steven Wright ,  Jack Owen Davies ,  Alexander Tennyson Mackay

    IPC: G06Q20/38 ,  G06Q20/06 ,  G06Q20/22 ,  G06Q20/36 ,  G06Q20/40 ,  H04L9/08 ,  H04L9/30 ,  H04L9/32 ,  G06Q20/34 ,  H04L9/00

    Abstract: The invention provides improved verification solutions for blockchain-implemented transfers. It is suited for, but not limited to, implementation in an SPV wallet. In accordance with one embodiment, a system or resource is provided which comprises a plurality of novel SPV verification components, the activities of which are coordinated by a coordination component. The system enables Bob to send Alice a payment transaction template (template Tx3) and requests: the full transaction data for all input transactions (Tx1, Tx2) comprising at least one output that Alice wants to spend as inputs to a transfer (Tx3); the Merkle path for all input transactions (Tx1, Tx2) linking them to their respective Merkle roots associated with their respective block headers; the completed transfer transaction (Tx3). Alice provides this information plus her signature. Bob can then perform local SPV checks on the input transactions Tx1, Tx2 using transactions Tx1 and Tx2, their corresponding Merkle paths Path 1, Path 2, and Bob's local list of block headers. Bob broadcasts the transfer transaction (Tx3) to the P2P network.

    System and method to dynamically evaluate patterns in smart card operations
    7.
    发明授权
    System and method to dynamically evaluate patterns in smart card operations 有权

    公开(公告)号：US12223494B1

    公开(公告)日：2025-02-11

    申请号：US18420567

    申请日：2024-01-23

    Applicant: Bank of America Corporation

    Inventor： Anu Sharma ,  Sneha Padiyar ,  Harilakshmi Narayanan ,  Madhumitha Swaminathan Rangarajan ,  Kavitha Yalka

    IPC: G06Q20/34

    Abstract: An apparatus comprises a memory communicatively coupled to a processor. The memory is configured to store smart card feedback, multiple graph analyzer operations, and multiple smart card identifiers (ID). Each smart card ID indicates the one or more smart cards associated with a corresponding user. The processor is configured to receive smart card feedback associated with a smart card ID, derive multiple interactions in an environment based at least in part upon the smart card feedback, generate an intelligent pattern based at least in part upon the interactions, assign multiple adverse impacts to the intelligent pattern, generate multiple suggestions configured to mitigate the adverse impacts, and execute the graph analyzer operations to determine whether the suggestions mitigate the adverse impacts. Further, the processor is configured to generate a report relating the suggestions to the environment in response to determining that the suggestions mitigate the adverse impacts.

    SYSTEMS AND METHODS FOR EXECUTING PARALLEL ELECTRONIC TRANSACTIONS
    9.
    发明申请
    SYSTEMS AND METHODS FOR EXECUTING PARALLEL ELECTRONIC TRANSACTIONS 有权

    公开(公告)号：US20250045765A1

    公开(公告)日：2025-02-06

    申请号：US18924452

    申请日：2024-10-23

    Applicant: Worldpay, LLC

    Inventor： Matthew COLLICOAT

    IPC: G06Q20/40 ,  G06F9/451 ,  G06Q20/20 ,  G06Q20/34

    Abstract: Systems and methods are for executing an electronic transaction by a parallel transaction system. One method includes receiving, by a parallel transaction system, an electronic transaction request of a payment vehicle. The parallel transaction system may determine a type of the payment vehicle. The type of the payment vehicle is at least one of an open loop type, a closed loop type, or a parallel type. The parallel transaction system may execute an open-loop transaction, a closed-loop transaction, and/or a parallel transaction, based on the determined type of the payment vehicle. The parallel transaction system may complete the electronic transaction request.

    Antifraud resilient transaction identifier datastructure apparatuses, methods and systems
    10.
    发明授权
    Antifraud resilient transaction identifier datastructure apparatuses, methods and systems 有权

    公开(公告)号：US12217266B2

    公开(公告)日：2025-02-04

    申请号：US17840580

    申请日：2022-06-14

    Applicant: Idid Tecnologia LTDA

    Inventor： Alexandre Soares Pi Farias ,  Luiz Carlos Guedes

    IPC: G06Q20/40 ,  G06Q20/34

    Abstract: The Antifraud Resilient Transaction Identifier Datastructure Apparatuses, Methods and Systems (“ARTID”) transforms PIN, unique user identifying device datastructure inputs via ARTID components into secure payment authorization outputs. The ARTID includes a virtual secure element datastructure transaction apparatus, comprising, a memory, a component collection in the memory, and a processor disposed in communication with the memory, and configured to issue a plurality of processing instructions from the component collection stored in the memory. ARTID includes instructions to: obtain request to generate a tamper resistant asset account from a requestor, and instantiate a new tamper resistant asset account, wherein the account is populated with the requestor identifier, unique requestor device identifier, a secure cryptographic element for the tamper resistant account. ARTID also includes instructions to provide a message to generate a new physical account card and an associated virtual account card associated with the tamper resistant asset account, and obtain a request to engage the virtual account card in a transaction, wherein the request includes the user access credential. ARTID also includes instructions to generate a card access event message from the request to engage the virtual account card, provide the card access event message to a payment network, and obtain a card access event authorization response.

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