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1. 发明申请

US20190251556A1 DISTRIBUTED LEDGER ON-BOARDING SYSTEM FOR STANDBY GUARANTEE RESOURCES 审中-公开
公开(公告)号：US20190251556A1
公开(公告)日：2019-08-15
申请号：US16182303
申请日：2018-11-06
申请人： BANK OF AMERICA CORPORATION
发明人： Ann Elizabeth Flaherty McCormick , Nirmalya Banerjee , David James McGinness , Elizabeth Anne Prudden , Deepak Mysore Shamarao , Robin Elizabeth Tooker , Mark D. Zanzot , Colin Zeglen
IPC分类号： G06Q20/38 , G06F17/30 , G06Q20/24 , G06Q20/40
CPC分类号： G06Q20/389 , G06F16/2379 , G06F16/27 , G06Q20/24 , G06Q20/405 , H04L9/0637 , H04L2209/38
摘要： Embodiments of the invention are directed to a system, method, or computer program product for onboarding members to a block chain based distributed ledger system for standby guarantee resources applications, submissions, and approvals for party visualization. In this way, the invention provides automation of standby guarantee resources utilizing block chain distributed ledger technology to provide full transactional transparency to all parties, enforcement of configurable rules terms, and enforcement of contractual terms, routing expedition, data integration, and authentication.

2. 发明申请

US20190205884A1 CONVERTING PROCESSES INTO MULTIPLE BLOCKCHAIN SMART CONTRACTS 审中-公开
公开(公告)号：US20190205884A1
公开(公告)日：2019-07-04
申请号：US15856138
申请日：2017-12-28
申请人： International Business Machines Corporation
发明人： Vishal S. Batra , Praveen Jayachandran , Shachi Sharma , Abhishek Singh
IPC分类号： G06Q20/40 , G06Q20/38 , G06Q10/06 , G06Q50/18
CPC分类号： G06Q20/4014 , G06Q10/0633 , G06Q20/3827 , G06Q20/405 , G06Q50/18 , G06Q2220/00
摘要： An example operation may include one or more of identifying a workflow specification including a number of entities and state elements, selecting two or more entities designated as a subset of entities among the entities, where the subset of entities share one or more of the state elements of the workflow specification among the state elements, and creating a first smart contract identifying the one or more state elements.

3. 发明申请

US20190197539A1 METHOD OF PROVIDING SERVICE FOR SETTING CONDITION OF CARD USE, CARD COMPANY SERVER AND USER TERMINAL 审中-公开
公开(公告)号：US20190197539A1
公开(公告)日：2019-06-27
申请号：US15965011
申请日：2018-04-27
申请人： Hyundai Card Co., Ltd.
发明人： Woo Kyung CHANG , Bom Shik KIM , Hyun Jung KIM , Jin Hee PARK
IPC分类号： G06Q20/40
CPC分类号： G06Q20/405 , G06Q20/409
摘要： Provided is a method of providing, by a card company server, a card service for setting a condition of card use, the method including steps of: (a) providing a user terminal with a button type interface for setting a condition of card use with respect to at least one of a use range and a use amount of a card owned by a user; (b) processing such that the condition of card use selected through the interface is set; and (c) processing such that payment approval for the owned card is completed on the basis of the set condition of card use when the payment approval is requested.

4. 发明申请

US20190197509A1 MULTI-ACCOUNT CARD 审中-公开
公开(公告)号：US20190197509A1
公开(公告)日：2019-06-27
申请号：US16290627
申请日：2019-03-01
申请人： Capital One Financial Corporation
发明人： Mohamed Lafeer , Adam R. Koeppel
IPC分类号： G06Q20/22 , G06Q20/40 , G06Q20/34
CPC分类号： G06Q20/22 , G06Q20/227 , G06Q20/3572 , G06Q20/405
摘要： A system for conducting a transaction is disclosed. The system may include one or more memory devices storing instructions and one or more processors configured to execute the instructions to receive information associated with a transaction initiated using a multi-account card. The one or more processors may be further configured to select and employ one of a plurality of transaction accounts to complete the transaction.

5. 发明申请

US20190188709A1 PAYMENT HANDLING APPARATUS AND METHOD 审中-公开
公开(公告)号：US20190188709A1
公开(公告)日：2019-06-20
申请号：US16326341
申请日：2017-08-21
申请人： COMCARDE LIMITED
发明人： Stuart JAMIESON , Ian SIDOR
IPC分类号： G06Q20/40 , G06Q20/10 , G06Q20/38 , G06Q20/32
CPC分类号： G06Q20/40 , G06Q20/10 , G06Q20/32 , G06Q20/3226 , G06Q20/385 , G06Q20/401 , G06Q20/405
摘要： The present invention relates to payment handling apparatus (10) which is operable to effect payment from a purchaser to a vendor. The payment handling apparatus (10) comprises a purchaser client (12) operable by the purchaser and a vendor client (16) operable by the vendor, the vendor client being in data communication with the purchaser client. The payment handling apparatus (10) also comprises a purchaser server (14) in data communication with the purchaser client (12) and a vendor server (18) in data communication with the vendor client (16) and the purchaser server (14). The purchaser client (12) and the purchaser server (14) being configured such that under purchaser operation the purchaser client is operative to receive from the purchaser server an authorisation code for a payment to be made by the purchaser to the vendor. The purchaser client (12) and the vendor client (16) being configured such that the vendor client is operative in dependence on purchaser operation to receive a purchase code from the purchaser client. The vendor (server 18) and the purchaser server (14) being configured such that the purchaser server is operative to receive the purchase code from the vendor client (16) by way of the vendor server. The purchaser server (14) and the vendor server (18) being configured to effect payment in dependence on receipt by the purchaser server of the purchase code and on receipt by the purchaser client (12) of the authorisation code.

6. 发明申请

US20190108524A1 In-It-Together Savings Goal Feature 审中-公开
公开(公告)号：US20190108524A1
公开(公告)日：2019-04-11
申请号：US16212400
申请日：2018-12-06
申请人： Bank of America Corporation
发明人： Daralyn M. Nicholson , Anna Hollifield , Shaun G. Hunter
IPC分类号： G06Q20/40 , G06Q20/32 , G06Q20/42 , G06Q20/38
CPC分类号： G06Q20/405 , G06Q20/102 , G06Q20/3223 , G06Q20/3829 , G06Q20/4016 , G06Q20/42 , G06Q2220/00
摘要： Computer implemented systems and methods are disclosed involving technological advancements in the processing of electronic transaction processing. A system may comprise a networked environment including heterogeneous or homogenous payment processing systems. A centrally accessible server machine storing an automatic savings program module and rules controls the generation and dissemination of new transactions derived from incoming transactions. Moreover, the networked system may be used to control authorization of electronic transactions in a near real-time manner. The networked system may be used to distribute a financial health of a user in a user-friendly, mobile form factor.

7. 发明申请

US20190102764A1 MESSAGE SIZING AND SERIALIZATION OPTIMIZATION 审中-公开
公开(公告)号：US20190102764A1
公开(公告)日：2019-04-04
申请号：US15723030
申请日：2017-10-02
申请人： Square, Inc.
发明人： Shalisa Pattarawuttiwong
IPC分类号： G06Q20/20 , G07G1/00 , G07G1/12
CPC分类号： G06Q20/202 , G06Q20/085 , G06Q20/20 , G06Q20/34 , G06Q20/405 , G07G1/0009 , G07G1/12
摘要： Systems and methods for message sizing and serialization optimization are disclosed. Communications between a secure payment enclave, other components of a customer terminal, a merchant terminal, and/or a remote system may be optimized depending on a state of the customer terminal and/or the merchant terminal. Message sizing and type may be optimized depending on the state. Additionally, or alternatively, message serialization may be optimized using state-dependent protocol buffers. The communications may pass between components of a POS system to a remote system via two operating-system stacks, which may be customized for a POS system transaction.

8. 发明申请

US20190012538A1 Re-Application of Filters for Processing Receipts and Invoices 审中-公开
公开(公告)号：US20190012538A1
公开(公告)日：2019-01-10
申请号：US15643192
申请日：2017-07-06
申请人： MetaBrite, Inc.
发明人： Roy Penn , Court V. Lorenzini
IPC分类号： G06K9/00 , G06Q20/20
CPC分类号： G06K9/00442 , G06K9/00449 , G06K2209/01 , G06Q20/0453 , G06Q20/12 , G06Q20/20 , G06Q20/3276 , G06Q20/405
摘要： Systems and methods for automatic processing of receipts to capture data from the receipts are presented. Upon receiving an image of a receipt, an optical character recognition (OCR) of the receipt content embodied in the image is executed. The OCR of the receipt content results in machine-encoded text content of the receipt content embodied in the image. Tokens are generated from the machine-encoded text content and data groups are constructed according to horizontal lines of generated tokens. Potential product items are identified for at least some of the constructed data groups and the potential product items are evaluated for the at least some constructed data groups. The evaluation of the potential product items for the at least some constructed data groups identifies receipt data, such as product items and vendor information, associated with the least some constructed data groups. The identified receipt data is captured and stored with the image of the receipt in a data store.

9. 发明申请

US20190005504A1 DYNAMIC GATING FRAUD CONTROL SYSTEM 审中-公开
公开(公告)号：US20190005504A1
公开(公告)日：2019-01-03
申请号：US15678748
申请日：2017-08-16
申请人： Microsoft Technology Licensing, LLC
发明人： Weiwei WU , Adam Feldman REINHARDT , Shoou-Jiun WANG
IPC分类号： G06Q20/40
CPC分类号： G06Q20/4016 , G06Q20/389 , G06Q20/405 , G06Q20/42
摘要： Reducing an amount of data transactions that are subjected to further review when determining if the data transactions should be approved or rejected. A risk score that defines a first cutoff and a second cutoff are determined. During a first time period, the first and second cutoffs are extended to increase data transactions subject to further review and to create an opportunity group of data transactions not previously approved that are now approved. A rejection rate of the data transactions subject to further review is compared to a threshold. When the rejection rate is no more than the threshold, during a second time period, a volume of the data transactions subject to further review is minimized and a second opportunity group of data transactions not previously approved that are now approved is created. The rejection rate of the data transactions subject to further review are again compared to the threshold.

10. 发明申请

US20180349903A1 DYNAMIC FINANCIAL MANAGEMENT SYSTEM, METHOD AND DEVICE 审中-公开
公开(公告)号：US20180349903A1
公开(公告)日：2018-12-06
申请号：US16059907
申请日：2018-08-09
申请人： Paymation, Inc.
发明人： Khellar Sean Crawford
IPC分类号： G06Q20/40 , G06Q20/22 , G06Q20/10
CPC分类号： G06Q20/405 , G06Q20/102 , G06Q20/227
摘要： A dynamic personalizable automated finance management system that provides a financial management platform that enables users to easily generate a plurality of customized rules or conditions associated with one or more accounts thereby creating account plans that intelligently and passively execute the transfer of funds among accounts. The rules with a plan are able to define if, how much, when and where to transfer money to and from the accounts based on user entered criteria or triggers upon which the rules/conditions are based.

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