公开(公告)号：US20250069053A1

公开(公告)日：2025-02-27

申请号：US18658861

申请日：2024-05-08

Applicant: Toshiba Tec Kabushiki Kaisha

Inventor： Yuusuke KAWAIDA

IPC: G06Q20/20

Abstract: A mobile terminal for obtaining and temporarily storing information about an item to be purchased before the item is registered using a point of sale (POS) terminal, includes a memory, a scanner, a display, a printer, and a processor configured to: control the scanner to scan a first symbol and obtain an item code from the first symbol, store, in the memory, item information indicating an item corresponding to the obtained item code, generate a second symbol indicating the stored item information and readable by the POS terminal, and control the display or the printer to output the second symbol.

公开(公告)号：US12236447B2

公开(公告)日：2025-02-25

申请号：US17064503

申请日：2020-10-06

Applicant: Dynamics Inc.

Inventor： Jeffrey D. Mullen ,  Keith Huthmacher

IPC: G06Q30/00 ,  G06F9/54 ,  G06K7/08 ,  G06K7/10 ,  G06K19/07 ,  G06K19/077 ,  G06Q20/02 ,  G06Q20/20 ,  G06Q20/34 ,  G06Q20/36 ,  G06Q20/40 ,  G06Q30/0226 ,  H04L9/08 ,  G06K19/06 ,  G06Q20/32 ,  G06Q30/018 ,  G06Q30/0207 ,  G06Q40/02

Abstract: A system may include a payment card that includes one or more chips that are operable to utilize information in a payment transaction to enact different functions. For example, a payment applet in a contact chip transaction (e.g., contact EMV transaction) or contactless chip transaction (e.g., contactless EMV transaction) may utilize information that flows through the chip (e.g., country, time, date, transaction amount, approval status) to trigger pre-stored messages or functions (e.g., switch to a payment option or account). Information may be introduced into the chip during a transaction as a result of manual input from the cardholder on the cardholder's phone or other device. Thus, transaction scripting (e.g., EMV scripting) may be utilized to let a card (e.g., static or powered) know that a function (e.g., change of account) is desired by a cardholder and the chip may, if not in the proper account, reset and restart the chip in a mode associated with the desired function (e.g., in the desired account).

公开(公告)号：US12236439B2

公开(公告)日：2025-02-25

申请号：US18207069

申请日：2023-06-07

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Timothy Kramme ,  Elizabeth A. Flowers ,  Reena Batra ,  Miriam Valero ,  Puneit Dua ,  Shanna L. Phillips ,  Russell Ruestman ,  Bradley A. Craig

IPC: G06Q30/02 ,  G06N5/046 ,  G06N20/00 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/24 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/40 ,  G06Q30/018 ,  G06Q30/0207 ,  G06V30/194 ,  G06V30/41 ,  G06Q30/0241

Abstract: A method of reducing a future amount of electronic fraud alerts includes receiving data detailing a financial transaction, inputting the data into a rules-based engine that generates an electronic fraud alert, transmitting the alert to a mobile device of a customer, and receiving from the mobile device customer feedback indicating that the alert was a false positive or otherwise erroneous. The method also includes inputting the data detailing the financial transaction into a machine learning program trained to (i) determine a reason why the false positive was generated, and (ii) then modify the rules-based engine to account for the reason why the false positive was generated, and to no longer generate electronic fraud alerts based upon (a) fact patterns similar to fact patterns of the financial transaction, or (b) data similar to the data detailing the financial transaction, to facilitate reducing an amount of future false positive fraud alerts.

公开(公告)号：US12236428B2

公开(公告)日：2025-02-25

申请号：US18528338

申请日：2023-12-04

Applicant: Capital One Services, LLC

Inventor： Rudolph Christian Wolfs ,  David Aaron Pinski

IPC: G06Q20/40 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q20/42

Abstract: A method of performing a fund transfer at an ATM includes receiving an active authentication transaction key at an ATM from a mobile financial transaction instrument via a wireless communication protocol, generating a PIN at the ATM, and storing the PIN in a machine readable storage medium. An authorization request message is transmitted to a financial institution identified by the active authentication transaction key. The authorization request message includes the PIN and at least a portion of the active authentication transaction key. The PIN is received from a user of the mobile financial transaction instrument, and the funds are dispensed in response to receiving the PIN.

公开(公告)号：US12236426B2

公开(公告)日：2025-02-25

申请号：US17199611

申请日：2021-03-12

Applicant: Visa International Service Association

Inventor： Rohit Sukhija ,  Rahul Singhal ,  Surendra Vyas

IPC: G06Q20/40 ,  G06Q20/10 ,  G06Q20/18 ,  G06Q20/20 ,  H04L41/02 ,  H04L41/0273

Abstract: The present disclosure discloses a method and system for dynamically processing financial transactions. The method includes receiving a transaction request including at least one unique identifier field to transfer payment into an account associated with a payment instrument and authorizing the transaction request based on one or more predetermined rules. The payment instrument is used at an electronic device by a merchant for transfer of the payment from a merchant account. Thereafter, the method includes generating a direct fund transfer message based on the at least one unique identifier field upon authorization of the transaction request and transmitting the direct fund transfer message to an issuer associated with the merchant account for authentication of the direct fund transfer message. Lastly, the method includes transferring dynamically the payment from the merchant account to the account associated with the payment instrument when the direct fund transfer message is authenticated by the issuer.

公开(公告)号：US12236417B2

公开(公告)日：2025-02-25

申请号：US17833524

申请日：2022-06-06

Applicant: ROYAL BANK OF CANADA

Inventor： Edison U. Ortiz ,  Arnold Badal-Badalian ,  Ambica Pawan Khandavilli ,  Rasha Khayat ,  Iustina-Miruna Vintila ,  Nikhil Singh Shekhawat

IPC: G06Q20/36 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q30/0226 ,  G06Q40/03

Abstract: Systems, methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions. Aspects of such methods, systems, and data structures include providing at an electronic device, an output indicating that a dynamically-configured electronic token is in a transaction-ready state, where the dynamically-configured electronic token is associated with a plurality of loyalty accounts; in response to one or more signals providing information regarding a location of the electronic device, obtaining token data associated with a loyalty account of the plurality of loyalty accounts corresponding to the location of the electronic device; and via a data communication interface, route a token, generated from the token data, for processing at a transaction processing system.

公开(公告)号：US20250061448A1

公开(公告)日：2025-02-20

申请号：US18451296

申请日：2023-08-17

Applicant: The Toronto-Dominion Bank

Inventor： Milos DUNJIC ,  David Samuel TAX ,  Jonathan Joseph PRENDERGAST ,  Hitesh BAJAJ ,  Kenneth Tien Poh WONG

IPC: G06Q20/38 ,  G06Q20/02 ,  G06Q20/20 ,  G06Q20/40

Abstract: Systems and methods for mitigating transaction delay risk are provided. A system may receive transaction data, including at least a transaction amount, associated with a transaction. The system may then obtain transfer credentials associated with a value transfer card, send a request for a pre-authorization hold of the transaction amount using the transfer credentials, and initiate a timer. The system may then monitor a blockchain address for receipt of cryptocurrency associated with the transaction. When the cryptocurrency is received prior to an expiration of a time period associated with the timer, the system may release at least a portion of the pre-authorization hold. When the cryptocurrency is not received prior to an expiration of a time period associated with the timer, the system may settle the pre-authorization hold.

公开(公告)号：US12229737B2

公开(公告)日：2025-02-18

申请号：US17987288

申请日：2022-11-15

Applicant: United Services Automobile Association (USAA)

Inventor： Bharat Prasad ,  Michael Frank Morris

IPC: G06Q20/10 ,  G06Q20/20 ,  G06Q40/03

Abstract: An image of a negotiable instrument may be taken by a camera associated with a mobile device and provided from a user to a financial institution via the mobile device. The negotiable instrument may be deposited in a user's bank account based on the image. Any technique for sending the image to the financial institution may be used. The mobile device may process the image prior to sending the image to the financial institution. Additionally or alternatively, the financial institution may process the image.

公开(公告)号：US20250054362A1

公开(公告)日：2025-02-13

申请号：US18927165

申请日：2024-10-25

Applicant: ANGEL GROUP CO., LTD.

Inventor： Yasushi Shigeta

IPC: G07F17/32 ,  A44C21/00 ,  A63F1/06 ,  A63F1/18 ,  A63F3/00 ,  A63F9/24 ,  B32B27/08 ,  B32B37/18 ,  G01G19/52 ,  G01G19/62 ,  G06F1/18 ,  G06K7/10 ,  G06K19/04 ,  G06K19/077 ,  G06Q20/00 ,  G06Q20/20 ,  G06Q50/10 ,  G07D5/00 ,  G07D5/04 ,  G07D5/08 ,  G07G1/00 ,  H05K7/14

Abstract: A game token management system includes: a game token tray for storing game tokens of a dealer; a card distribution device that determines a result of a game; a management control device that determines a target and an amount bet by a player and an amount of the game tokens held in the game token tray and determines whether a change of the game tokens in the game token tray after an end of the game is accurate or inaccurate; and an indicator lamp that is turned on or off according to determination of the management control device.

公开(公告)号：US20250053958A1

公开(公告)日：2025-02-13

申请号：US18366090

申请日：2023-08-07

Applicant: Mastercard International Incorporated

Inventor： Joseph J. Rieker ,  Steven J. Schmidt

IPC: G06Q20/34 ,  G06Q20/20

Abstract: A found card notification system receives an interchange electronic advice message from a point-of-sale (POS) terminal associated with a merchant. The interchange electronic advice message includes an indicator of a misplaced transaction card, a primary account number (PAN) of the misplaced transaction card, and a merchant identifier that identifies the merchant. The system extracts the PAN from the interchange electronic advice message and identifies an issuer of the misplaced transaction card from the extracted PAN. The found card notification system transmits the interchange electronic advice message to the issuer of the misplaced transaction card in response to identifying the issuer of the misplaced transaction card.