-
公开(公告)号：US20240362709A1
公开(公告)日：2024-10-31
申请号：US18767513
申请日：2024-07-09
CPC分类号： G06Q40/03 , G06Q20/3672
摘要： The present disclosure involves systems, software, and computer-implemented methods for providing assisted channel credit application completion for customers, where approval of the credit application results in an automatic integration of payment credentials into a corresponding digital wallet. One example method includes receiving, via an assisted channel user terminal, a request to apply for a new credit account for a customer. Input into a digital credit application is input by an employee or teller on behalf of the customer. A credit adjudication process is performed on the application, and, in response to approval, a new credit account associated with the customer and corresponding payment information is created. A system to which the set of payment information is to be provided is identified, and the set of payment information associated with the new credit account is transmitted to those systems to be automatically integrated into those systems' digital wallets.
-
公开(公告)号：US20240362621A1
公开(公告)日：2024-10-31
申请号：US18308161
申请日：2023-04-27
申请人： Dell Products L.P.
发明人： Ofir Ezrielev , Yehiel Zohar , Lee Serfaty
CPC分类号： G06Q20/36 , G06Q20/02 , G06Q2220/00
摘要： Access to digital assets when a private key is lost or unavailable is disclosed. A digital wallet may store a digital asset and a smart contract. When conditions of the smart contract are satisfied, the digital asset is automatically transferred to a new digital wallet that is associated with a new digital key. A user may acquire the new digital key and access the digital assets now stored in the new digital wallet.
-
公开(公告)号：US12131315B2
公开(公告)日：2024-10-29
申请号：US18462263
申请日：2023-09-06
发明人： Joan Lee Tibor
CPC分类号： G06Q20/3674 , G06Q20/042 , G06Q20/206 , G06Q20/34 , G06Q20/382 , G06Q20/401 , G06Q20/40145
摘要： An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction token and biometric data. Customers can be enrolled in the system by receiving customer information that includes at least a biometric datum, associating the received customer information with a transaction instrument issued to the customers and storing the received customer information and the issued transaction instrument information in a database for future reference.
-
公开(公告)号：US12126715B2
公开(公告)日：2024-10-22
申请号：US18222915
申请日：2023-07-17
IPC分类号： H04L9/08 , G06Q20/02 , G06Q20/06 , G06Q20/32 , G06Q20/36 , G06Q20/38 , G06Q20/40 , H04L9/00 , H04L9/06 , H04L9/14 , H04L9/30 , H04L9/32 , H04L9/40
CPC分类号： H04L9/0861 , G06Q20/02 , G06Q20/065 , G06Q20/3276 , G06Q20/3278 , G06Q20/3674 , G06Q20/38215 , G06Q20/3829 , G06Q20/4015 , G06Q20/407 , H04L9/0637 , H04L9/0891 , H04L9/14 , H04L9/30 , H04L9/3066 , H04L9/3236 , H04L9/3239 , H04L9/3242 , H04L9/3247 , H04L9/3271 , H04L63/0435 , H04L63/0442 , H04L63/0492 , H04L63/061 , H04L63/0823 , G06Q2220/00 , H04L9/50 , H04L2209/56
摘要： A method and system of providing verification of information of a user relating to an attestation transaction is provided, and includes sending a request for information of the user, wherein the information has been previously attested to in an attestation transaction stored within a centralized or distributed ledger at an attestation address; receiving at a processor associated with a verifier the information of the user; sending a cryptographic challenge nonce; receiving at the processor associated with the verifier the cryptographic challenge nonce signed by the user's private key; verifying user identity with the cryptographic challenge nonce signed by the user's private key; deriving a public attest key by using the information of the user; deriving an attestation address using the public attest key; and verifying the existence of the attestation transaction at the attestation address in the centralized or distributed ledger.
-
公开(公告)号：US12125029B2
公开(公告)日：2024-10-22
申请号：US17829952
申请日：2022-06-01
申请人： FORMLESS, INC.
发明人： Brandon Tory Thorpe
CPC分类号： G06Q20/389 , G06Q20/29 , G06Q20/36
摘要： A method, system, and non-transitory storage medium with instructions that implement a method to receive an electronic payment; select a selected payee's address from an address array, the address array storing a plurality of addresses of different payees in a plurality of locations in the address array, each different payee being entitled to a share of the payment; and transmit the payment in its entirety to the selected payee via the selected payee's address. The payee address selection may include stepping through a linearly populated address array, stepping through a randomly populated address array, or randomly selecting the address in the address array.
-
6.发明授权公开(公告)号：US12125024B2
公开(公告)日：2024-10-22
申请号：US16911004
申请日：2020-06-24
CPC分类号： G06Q20/3672 , G06Q20/3227 , G06Q20/363 , G06Q20/425
摘要： Methods and systems for provisioning a secure element of a digital device with financial credentials of a consumer are disclosed. In an embodiment, an external entity computer receives from one of a merchant computer or a manufacturer computer, a consumer order for a digital device that includes a secure element (SE). The external entity computer then obtains, based on the digital device information setup data of a digital device which fulfills the order, and transmits a financial account provisioning request including the setup data and the consumer account information to a token service provider (TSP) computer. The process also includes the external entity computer receiving provisioning data including a personalization script which includes financial account token credentials of the consumer from the TSP computer, and then personalizes the ordered digital device with the financial account token credentials.
-
公开(公告)号：US12125023B2
公开(公告)日：2024-10-22
申请号：US17343465
申请日：2021-06-09
发明人： Avinash Kalgi
CPC分类号： G06Q20/367 , G06Q20/36 , G06Q20/3829 , G06Q20/401
摘要： Systems, apparatuses, and methods are provided for conducting encrypted payment transactions. In some embodiments, a payment device may send account credentials for a digital wallet to a wallet provider computer, and receive encrypted payment data from the wallet provider computer in response. The payment device may then send a request to initiate a transaction to a transaction processor computer (e.g., a merchant computer or a merchant processor computer), the request to initiate the transaction including the encrypted payment data. The transaction processor computer can then decrypt the encrypted payment data and conduct the transaction.
-
公开(公告)号：US12124558B2
公开(公告)日：2024-10-22
申请号：US17334478
申请日：2021-05-28
摘要： Upgrading of a verifiable credential by a user interfacing with an upgrade control of a visualization of the verifiable credential. The upgradable verifiable credential includes an authorization claim specifying an authorization scope, and an enhancement claim specifying a condition for enhancing the specified authorization scope. A visualization of the upgradable verifiable credential is then display with the upgrade control to a user of a holder computing system that is the holder of the verifiable credential. Accordingly, if the user interacts with the upgrade control, the condition for upgrading the verifiable credential may be accomplished. The issuer of the authorization claim may then be notified of this. The issuer may then provide an ungraded verifiable credential that includes an authorization claim that includes more or a different authorization scope than the prior verifiable credential.
-
公开(公告)号：US20240346581A1
公开(公告)日：2024-10-17
申请号：US18507422
申请日：2023-11-13
申请人： SALT BLOCKCHAIN INC.
发明人： Matthew Hill , Gregory Lloyd Bell , Shawn Owen
CPC分类号： G06Q40/03 , G06Q20/102 , G06Q20/36 , G06Q20/3825 , G06Q20/405
摘要： A multisig digital asset wallet stores collateral for a loan between a borrower and a lender. The borrower and lender agree to loan terms including collateralization requirements. Over the course of the loan repayment period, a Loan-to-Value (LTV) ratio between the digital asset collateral and the loan principal balance will change due to fluctuations in the market exchange value of the digital asset and a declining loan principal balance due to regular loan repayments by the borrower. If the LTV exceeds the collateral requirements by an overage amount, then the borrower may sign a transaction and request signatures from other participants to withdraw funds from the multisig collateral wallet. If the LTV fails to satisfy the collateral requirements, participants may spend funds from the multisig collateral wallet to improve the LTV, catch up after a missed payment by the borrower, or pay down the loan principal.
-
10.发明公开公开(公告)号：US20240346488A1
公开(公告)日：2024-10-17
申请号：US18443372
申请日：2024-02-16
申请人： DefiQ, Inc.
发明人： Eric Parker , Ethan Parker , David Hurst , Brendan Wanlass , David Bland , Adam Olsen
CPC分类号： G06Q20/3674 , G06Q20/3821 , G06Q20/3825 , G06Q20/3829 , G06Q20/389 , G06Q20/40145
摘要： A method for securing a split private key (such as used with a cryptocurrency or other non-custodial electronic wallet) amongst a password, biometrics, and a social service. The process may use a sharding scheme such as Shamir's Secret Sharing to ensure that multiple key shards must be obtained before the entire private key can be obtained. The user may select the number of shards required to retrieve the private key thereby controlling the security of the account. An additional shard may be held on an encrypted server allows for account recovery even while maintaining non-custodial ownership of the wallet.
-
-
-
-
-
-
-
-
-
搜索结果
8693 条记录 (耗时 0.074 秒)
