知搜-全球专利检索

  1. 登录
  2. 注册

搜索结果

8403 条记录 (耗时 0.049 秒)

    A STORED VALUE CARD VALIDATION SYSTEM
    2.
    发明公开
    A STORED VALUE CARD VALIDATION SYSTEM 审中-公开

    公开(公告)号：US20240354740A1

    公开(公告)日：2024-10-24

    申请号：US18684424

    申请日：2022-08-11

    申请人： 545490 PTY. LTD.

    发明人： David Anderson

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

    CPC分类号： G06Q20/341 ,  G06Q20/28 ,  G06Q20/354 ,  G06Q20/401

    摘要： There is provided a stored value card validation system. The system includes a stored value card having a plurality of activation states including an activated state where the card can be utilised in a purchase transaction and an unactivated state where the card cannot be utilised in a purchase transaction. The stored value card includes a single unique encrypted token, along with a predefined card value in the form of a monetary amount and a card identifier which are both contained in the encrypted token. The system also includes a token reader for retrieving the encrypted token from the stored value card. Further, the system includes a token validator in communication with the token reader for receiving the encrypted token and using the encrypted token to validate the predefined card value and the card identifier. The token validator includes a plurality of databases for storing card value information and card identifier information, wherein the predefined card value and the card identifier are each validated based on the card value information and card identifier information, most notably, when the stored value card is in the unactivated state.

    Devices and methods for selective contactless communication
    5.
    发明授权
    Devices and methods for selective contactless communication 有权

    公开(公告)号：US12125021B2

    公开(公告)日：2024-10-22

    申请号：US18407210

    申请日：2024-01-08

    申请人： Capital One Services, LLC

    发明人： Jeffrey Rule ,  Kaitlin J. Newman ,  Wayne David Lutz ,  Kevin Grant Osborn ,  Paul Moreton

    IPC分类号： G06Q20/00 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/38

    CPC分类号： G06Q20/352 ,  G06Q20/3226 ,  G06Q20/353 ,  G06Q20/3829 ,  G06Q2220/123

    摘要： A card having an antenna, one or processors, and memory having stored thereon a first application and a second application configured to receive an input of the card and determine a request associated with the input. The card is further configured to activate, responsive to determining that the request is consistent with a contactless EuroPay-MasterCard-Visa (EMV) data standard, the first application. The first application is configured to communicate, via near field communication (NFC), data to the communicating device via the antenna based on the EMV data standard for payment purposes. The card is further configured to activate, responsive to determining that the request is consistent with a near field communication data exchange format (NDEF) standard, the second application. The second application is configured to communicate, via NFC, data to the communicating device via the antenna based on the NDEF standard for verification/identification purposes.

    System and Method for Authorizing Temporary Use of Accounts
    9.
    发明公开
    System and Method for Authorizing Temporary Use of Accounts 审中-公开

    公开(公告)号：US20240338695A1

    公开(公告)日：2024-10-10

    申请号：US18747884

    申请日：2024-06-19

    申请人： The Toronto-Dominion Bank

    发明人： Dinshaw BHARUCHA ,  Maja BUKOROVIC ,  Lydia Grace CERVINI

    IPC分类号： G06Q20/40 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/42

    CPC分类号： G06Q20/40 ,  G06Q20/326 ,  G06Q20/3278 ,  G06Q20/354 ,  G06Q20/42

    摘要： A system and method are provided for authorizing temporary use of accounts. The method is executed by a system and includes detecting that an account holder has selected a payment card to be shared with a recipient, the payment card being associated with an account. The method also includes determining a spending limit for the payment card by the recipient that has been set by the account holder and generating a pending transaction for the payment card with an amount corresponding to the spending limit and against which purchases made by the recipient are deducted. The method also includes providing the recipient with an electronic mechanism to add a temporary payment card to an application on a mobile device associated with the recipient, the temporary payment card being linked to the account to have purchases made using the temporary payment card be applied to that account. The method also includes detecting a purchase made by the recipient using the temporary payment card and modifying the pending transaction details based on the detected purchase.

    DELEGATED ADMINISTRATION OF PERMISSIONS USING A CONTACTLESS CARD
    10.
    发明公开
    DELEGATED ADMINISTRATION OF PERMISSIONS USING A CONTACTLESS CARD 审中-公开

    公开(公告)号：US20240338677A1

    公开(公告)日：2024-10-10

    申请号：US18743213

    申请日：2024-06-14

    申请人： Capital One Services, LLC

    发明人： Jeffrey RULE ,  Walter A. MILLER

    IPC分类号： G06Q20/34 ,  G06Q20/38 ,  G06Q20/40 ,  H04L9/32

    CPC分类号： G06Q20/352 ,  G06Q20/3829 ,  G06Q20/405 ,  H04L9/3234 ,  G06Q2220/00

    摘要： Delegated administration of permissions using a contactless card. In one example, a permissions module may receive a request from a first account to grant a second account access to a computing resource. The permissions module may receive permissions data of the first account from a contactless card and encrypted data generated by the contactless card. The permissions module may transmit the permissions data and the encrypted data to an authentication server, which may verify the encrypted data based at least in part on the private key, and determine, based on the permissions data, that the first account has permissions to grant access to the computing resource. The permissions module may receive, from the authentication server, an indication of the verification of the encrypted data and a permissions vector associated with the second account, the permissions vector reflecting the grant of access to the computing resource to the second account.