Patents Issued in February 1, 2024
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Publication number: 20240037498Abstract: Examples described herein include methods, techniques, and systems for designing and/or installing an off the grid energy solution. In some embodiments, a system includes a fuel station and a power station, where the fuel station is electrically, communicatively, and mechanically coupled to the power station. The power station may include a plurality of power generation and/or power storage methods, such as via a genset, solar panels, and/or a battery. These electrical power sources, combined with the fuel from the fuel station, contribute to the system being a dependable, standalone energy solution. The system may also utilize a network and a server, where the server comprises a system management module. The system management module may include a fuel management module, a fuel inventory module, and a system maintenance module.Type: ApplicationFiled: July 20, 2023Publication date: February 1, 2024Inventors: Mauricio Morafiallos, Javier Ramirez, Miguel Gonzalez
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Publication number: 20240037499Abstract: When information on a chemical substance is disclosed by a node of an upstream company (S11), a controller updates product composition data (S12) and determines whether or not the disclosed information on the chemical substance is to be kept secret (S13). When the controller determines that the disclosed information on the chemical substance does not have to be kept secret (NO in S13), it adds the information on the chemical substance (a restricted substance) received in S11 to update public data (S17) and generates transaction data including the public data and transmits the transaction data to a node of a target downstream company (S18).Type: ApplicationFiled: July 21, 2023Publication date: February 1, 2024Applicant: TOYOTA JIDOSHA KABUSHIKI KAISHAInventors: Masahiko ISHII, Hidetaka ASANO, Keiichi KOGA, Ryota SUZUKI
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Publication number: 20240037500Abstract: A system for rush order fulfilment optimization is discussed. The system includes mobile devices that are each associated with a worker and a rush fulfillment engine executed by a computing system which dynamically updates a task queue of each worker upon receipt of a new rush order according to a task completion rate difference between an estimated task completion rate and the current task completion rate of the worker.Type: ApplicationFiled: October 9, 2023Publication date: February 1, 2024Inventors: Pratosh D. Rajkhowa, Vidyanand Krishnan, Ameya Ajay Shendre, Shekhar Gupta, Pavan Kumar, Rohit Jain, Deepak R. Deshpande
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Publication number: 20240037501Abstract: Various embodiments provide methods for validating hardware modifications of an IHS (Information Handling System) by confirming that a hardware modification corresponds to a hardware component supplied for installation in the IHS by a trusted entity. During factory provisioning of an IHS, an inventory certificate that specifies the factory installed IHS hardware is uploaded to the IHS and is also stored for ongoing support of the IHS. Upon a hardware component being supplied for installation in the IHS by a trusted entity, the inventory of the stored inventory certificate is updated to identify the supplied component and the updated certificate is transmitted to the IHS. An inventory of detected hardware components of the IHS is compared against the inventory from the updated inventory certificate in order to validate the detected hardware of the IHS includes the component, supplied by the trusted entity, that is identified in the updated inventory certificate.Type: ApplicationFiled: October 2, 2023Publication date: February 1, 2024Applicant: Dell Products, L.P.Inventors: Jason Matthew Young, Marshal F. Savage, Mukund P. Khatri
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Publication number: 20240037502Abstract: Given information identifying a user who is not logged into a system, the user is provided a guest order status of one or more pharmacy orders; the guest order status masks sensitive information of the user.Type: ApplicationFiled: October 9, 2023Publication date: February 1, 2024Inventors: Vijay I. Kukreja, Domenic Vecchiarelli, Himanshu Gupta, Dianna Southiseng
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Publication number: 20240037503Abstract: A method of asset verification implemented by a computing device as part of an asset verification system. The asset verification utilizes unique identifying information of the asset. The method collects asset information from a user, collects asset information from the computing device, generates a unique identifier from the asset information, adds the unique identifier and the asset information to a blockchain, and stores the asset information in a distributed storage system.Type: ApplicationFiled: October 12, 2023Publication date: February 1, 2024Applicant: Salesforce, Inc.Inventor: Prithvi Krishnan Padmanabhan
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Publication number: 20240037504Abstract: For providing recommendations for bill of materials revision, a database is storing bills of materials for a set of products. A pattern learning module processes the stored bills of materials to learn patterns. Embodiments for learning structural and temporal patterns are provided. A pattern application module applies the patterns to a current bill of materials for a product of interest and forecasts recommendations, with each recommendation indicating how the current bill of materials should be updated. A user interface outputs the recommendations along with the applied patterns and their confidence values. The method and system provide an automized framework that forecasts revision for products. That framework helps to boost product quality by avoiding late recognition of change needs that would most likely negatively impact product and cost performance. Automatically assessing the change needs reduces hours spent by domain experts on these tasks, which saves internal costs.Type: ApplicationFiled: July 11, 2023Publication date: February 1, 2024Applicant: Siemens AktiengesellschaftInventors: Yushan Liu, Anna Himmelhuber
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Publication number: 20240037505Abstract: A system configured to track, trace and monitor product. In some aspects, the system is configured to track product and capture product related information and includes a network interface configured to receive product related information over a network from a plurality of tracking devices located at a plurality of facilities. The system also includes a database configured to store the product related information from the plurality of tracking devices located at the plurality of facilities. The system also includes a processor configured to be responsive to and control at least the database and the network interface. The system also includes the processor and the database being further configured to implement blockchain technology with respect to the product related information to generate a blockchain ledger of the product related information.Type: ApplicationFiled: October 13, 2023Publication date: February 1, 2024Inventor: Guilda JAVAHERI
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Publication number: 20240037506Abstract: Systems and method for processing domain specific claims is disclosed. The system comprises a memory, a processor, and a network interface communicatively coupled to the processor and the memory. The memory comprises computer instructions that when executed by the processor cause the system to perform functions. The functions comprise creating domain specific rules in a domain specific language based on domain specific regulations. The functions also comprise converting the created domain specific rules from the domain specific language to a target programming language. Further, the functions comprise accessing the domain specific claims via the network interface or a storage unit. Furthermore, the functions comprise validating the domain specific claims based on the converted domain specific rules respectively. In addition, the functions comprise providing a validation result corresponding to the domain specific claims respectively based on the validation.Type: ApplicationFiled: September 21, 2022Publication date: February 1, 2024Applicant: COVERSELF, INC.Inventors: Hare Krishna DOLEY, RAGHAVENDRA PAWAR, RAJASEKHAR REDDY MADDIREDDY, NEERAJ MALLIKARJUN BHUSARE
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Publication number: 20240037507Abstract: Methods, apparatuses, and computer program products are provided to detect candidate activity, perform a query to determine at least one job opening associated with a desired level of competency that is satisfied by a level of competency associated with the candidate, transmit a message comprising the at least one job opening to the candidate, receive an indication that the candidate reviewed the at least one job opening, in response to the indication, create a prospective candidate object to represent the candidate, wherein the prospective candidate object is associated with the at least one job opening, and monitor the prospective candidate object for progress made by the candidate in applying for the at least one job opening. The methods, apparatuses, and computer program products may also facilitate recruiter-side actions and tasks.Type: ApplicationFiled: July 26, 2022Publication date: February 1, 2024Inventor: Goitom Telahun
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Publication number: 20240037508Abstract: The present disclosure relates to systems and methods for optimizing benefits plan options offered by an organization through balancing derived population preferences with organizational preferences by analyzing historical selections made by individuals. Census data dividing members of an organization into census divisions may be applied to machine learning algorithm(s) to derive estimated selection preferences of the members. Using selection preferences, costs of various product offering scenarios and overall member satisfaction estimates of the scenarios may be calculated. Product offering scenarios meeting member preference criteria and organizational budget criteria may be presented for review.Type: ApplicationFiled: March 6, 2023Publication date: February 1, 2024Applicant: AON GLOBAL OPERATIONS SE, SINGAPORE BRANCHInventors: Michael MORROW, Salina SHAH, Todor PENEV, Andy RALLIS, Kartick SUBRAMANIAN
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Publication number: 20240037509Abstract: Various embodiments of an apparatus, method(s), system(s) and computer program product(s) described herein are directed to an Event Logging Engine. The Event Logging Engine logs event data identifying at least one of: (i) activity of one or more regulated user accounts within a virtual meeting during occurrence of the virtual meeting and (ii) activity of the one or more regulated user accounts with respect to a virtual meeting resource after occurrence of the virtual conference meeting. The Event Logging Engine inserts at least one regulated user account timestamp in the logged event data where each regulated user account is associated with a respective compliance policy. The Event Logging Engine receives a request from an external source for logged event data related to a particular regulated user account. The Event Logging Engine provides access to the logged event data related to one or more timestamps identifying the particular regulated user account.Type: ApplicationFiled: August 17, 2023Publication date: February 1, 2024Inventors: Aakash Atul Alurkar, Stephen George Newton, Adi David Regev
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Publication number: 20240037510Abstract: A method, apparatus, and user interface for determining appointment attendance probability comprising obtaining an indication of least a first location and second location of an end user; wherein the first location and second location are obtained at a predefined time interval, obtaining end user driving profile data, obtaining end user appointment data, determining appointment attendance probability based, at least in part, on the obtained first location, second location, end user appointment data, and end user driving profile data, and updating at least one database with the determined appointment attendance probability.Type: ApplicationFiled: July 27, 2022Publication date: February 1, 2024Applicant: HERE GLOBAL B.V.Inventors: Leon STENNETH, Jerome Beaurepaire, Jeremy Michael YOUNG
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Publication number: 20240037511Abstract: A processing system may receive an input for scheduling an in-person meeting between meeting participants. The input may include an indication of the meeting participants. The processing system may use a machine learning model to predict preferences of one or more of the meeting participants for attending the physical meeting. The preferences may include a physical location and an availability. The machine learning model may be trained using historical information including a past physical location and a past availability of the one or more meeting participants. The processing system may determine scheduling information for the in-person meeting based on the input and the preferences. The scheduling information may include a time, a date, and a physical location for the in-person meeting. The processing system may transmit the scheduling information to a meeting participant.Type: ApplicationFiled: July 29, 2022Publication date: February 1, 2024Inventors: Carleigh Pereira Noble, Shane Paul Springer
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Publication number: 20240037512Abstract: A maintenance management system includes circuitry. The circuitry, in a case that, in addition to a first maintenance, a second maintenance is to be performed, the second maintenance being a maintenance that is extraordinarily added differently from the first maintenance, sets a recommended time period for executing the second maintenance to be longer than a time required for the second maintenance, and displays a maintenance schedule including a recommended time period for executing the first maintenance and the recommended time period for executing the second maintenance.Type: ApplicationFiled: July 24, 2023Publication date: February 1, 2024Applicant: Ricoh Company, Ltd.Inventor: Hiroki Yamamura
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Publication number: 20240037513Abstract: A payment processing method and apparatus for using an intermediary platform are described. In one embodiment, the method comprises electronically receiving approval from an intermediary platform associated with a payment processor user of a first authorization request for a first transaction; electronically receiving for approval, at the payment processing system, a second authorization request for a second transaction from a merchant using a payment instrument used by an agent of the service provider; and settling transactions associated with the service provider, including clearing a batch of records corresponding to the service provider on a predetermined time basis by comparing, with a tracking engine of the payment processing system, transaction tracking information associated with authorization requests to net out individual transactions.Type: ApplicationFiled: October 12, 2023Publication date: February 1, 2024Inventors: Timothy Thairu, Lachlan Groom
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Publication number: 20240037514Abstract: Systems, methods, and apparatus are provided for authenticating avatar activity in a metaverse environment. A metaverse application may enable interactions between an agent avatar and a customer avatar in a secure bidirectional metaverse session. Customer identity may be verified using meta-information associated with avatar appearance or behavior, device data, and/or methods of avatar control. The agent avatar and customer avatar may view a virtual representation of a defective check in the metaverse environment. The customer avatar may sign the virtual check in the metaverse environment. The signature may be captured and reproduced on a paper check by a device interfacing with the metaverse application. The metaverse application may store technical logs of the metaverse session for future reference.Type: ApplicationFiled: August 1, 2022Publication date: February 1, 2024Inventors: Sneha Padiyar, Sandeep Kumar Chauhan, Nandini Rathaur, Aditya Sharma
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Publication number: 20240037515Abstract: The present disclosure relates to a graphical user interface and card system for engaging in cryptocurrency transactions. In one example, a system can provide a graphical user interface to a user. The graphical user interface can include transaction data and an option for linking a digital wallet to an account of the user. The system can detect a selection of the option and responsively link the digital wallet to the account. The system can also link a card to the digital wallet. Thereafter, the system can receive a request associated with the user using the card to engage in a cryptocurrency transaction. Based on the link between the card and the digital wallet, the system can determine that the digital wallet is to be used to execute the cryptocurrency transaction. The system can then use the digital wallet to execute the cryptocurrency transaction and update transaction data accordingly.Type: ApplicationFiled: July 29, 2022Publication date: February 1, 2024Applicant: Truist BankInventors: Oneka Williams, Chuong Dinh, Gregory Phillips
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Publication number: 20240037516Abstract: To manage property records using a multi-layered hybrid distributed ledger architecture, identification information for a particular property is obtained and transmitted to at least one participant in a public distributed ledger network for a public distributed ledger layer. Ownership information for the same particular property is obtained and transmitted to at least one participant in a federated distributed ledger network for a federated distributed ledger layer. Transaction-related documents for the same particular property are obtained and transmitted to at least one participant in a private distributed ledger network for a private distributed ledger. The distributed ledger layers are different layers of a property distributed ledger each having a separate set of consensus rules for appending distributed ledger data to the respective layer. This allows for the immutable preservation of royalty terms and conditions for a property or asset using the distributed ledger.Type: ApplicationFiled: October 16, 2023Publication date: February 1, 2024Inventor: Jeff Livesay
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Publication number: 20240037517Abstract: A central system may track virtual notes of a digital currency involved in transactions so that current ownership of the virtual notes can be verified as a basis for authorizing transactions involving the virtual notes. The central system may create and maintain an electronic history for the virtual notes, and update the electronic history after each transaction.Type: ApplicationFiled: February 9, 2022Publication date: February 1, 2024Inventors: Joshua M. Povsner, Duncan Parker
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Publication number: 20240037518Abstract: The present disclosure provides systems and methods for atomically processing transactions including obligation payments. In one aspect, the automated system automatically calculates and processes payments for transactions between both the primary parties and with the third parties. The third party owed an obligation may have visibility into the calculations and payment processes. The system is designed to maintain atomicity of the financial transactions—including the payments owed to the third party arising out of the transaction. During the atomic processing of the transaction, obligation payments to the third party may be processed using an obligations account that tracks a balance of obligations that a particular party to a transaction owes to the third party, insuring that the third party receives the appropriate payments.Type: ApplicationFiled: December 7, 2021Publication date: February 1, 2024Inventors: Karl KAZAL, Pawel KAPLANSKI, Charif KAZAL
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Publication number: 20240037519Abstract: A system described herein may receive a request to bridge an asset from a first distributed ledger to a second distributed ledger. The system may record, to the first distributed ledger, information indicating that the asset is frozen. The first distributed ledger may maintain information indicating that the frozen asset remains associated with an owner of the asset. The system may record, to the second distributed ledger, a bridged version of the asset, and may link the asset to the bridged asset. The system may identify a transfer of the bridged version of the asset to a second owner, and record, to the first distributed ledger and based on the linking of the asset to the bridged asset, information disassociating the first owner from the asset.Type: ApplicationFiled: July 29, 2022Publication date: February 1, 2024Applicant: Verizon Patent and Licensing Inc.Inventors: Ashish Sardesai, Nazneen Khan, Dante J. Pacella
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Publication number: 20240037520Abstract: A transaction platform includes an originator device; a recipient device; a server comprising a processor, a memory storage device, and a non-transitory computer readable medium; and a network electronically connecting the originator device and the receiver device with the server. The processor performs a method coded as instructions on the non-transitory memory medium. The method includes registering an originator; authenticating the originator; registering a recipient; authenticating the recipient; receiving a transaction type selection including identifying the recipient; searching for the recipient; drawing funds from the originator; sending the funds to the recipient; autogenerating a payment validation routine to the originator device and the receiver device using criteria including geolocation; and receiving confirmation from the recipient of receipt of the funds.Type: ApplicationFiled: July 27, 2023Publication date: February 1, 2024Inventors: Omar Ellison, Roumayah I. Tyler
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Publication number: 20240037521Abstract: When a merchant fails to provide payment service details, a system matches in real time information from a data processor with data from the payment service to allow matching a request from the payment system to a particular transaction. The matching system may use high speed buffers and hardware logic to rapidly match related data from different sources at speeds of thousands a second or more. This allows characterization of the transaction for recognition of current offers applicable to the transaction as well as generation of future offers.Type: ApplicationFiled: September 28, 2023Publication date: February 1, 2024Applicant: Visa International Service AssociationInventors: Raman Chinnappan, Raja Veeramani, Guyon Krug
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Publication number: 20240037522Abstract: Systems and methods for processing a financial transaction are provided. In a method conducted at an issuing server computer associated with a first entity, a transaction request message is transmitted to an acquiring server computer associated with a second entity. The transaction request message is in respect of a push transaction in which funds from the first entity are transferred to the second entity and includes a first set of data elements. In response to transmitting the transaction request message, a transaction response message and a second set of data elements are received. The second set of data elements are associated with the first set of data elements and the financial transaction is processed using information contained in the first set of data elements and the second set of data elements.Type: ApplicationFiled: October 5, 2023Publication date: February 1, 2024Applicant: Visa International Service AssociationInventors: Koni Uttam Nayak, Ashish Kulpati, Pankaj Rajurkar, Glenn Leon Powell
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Publication number: 20240037523Abstract: A method for conducting payment transaction by an employee using an employer payment system includes retrieving a token or an account identification from the employee payment card presented by a consumer, sending an authorization request with token, account identification and transaction data to an acquirer processor, identifying the employer and the employee associated with the token or account identification, determining whether the employee is authorized for the requested transaction based on an employee information from the employer's database, sending, to the employer, a transaction request from the point of sale terminal, transferring funds electronically from the employee's funds account or employer's account to the merchant in accordance with the transaction request between the merchant and the employee, and updating the employer's database with the transaction information once the transfer of funds is completed.Type: ApplicationFiled: October 6, 2023Publication date: February 1, 2024Inventor: Coy CHRISTENSEN
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Publication number: 20240037524Abstract: An Automated Transaction Machine (ATM) is associated with a beacon. The beacon may communicate with an electronic device running a software application that is configured to detect the beacon. The software application may have a reaction based upon the detection of the beacon. The ATM or related systems may respond to data directly or indirectly from the software application to make a customization or take other action based there on.Type: ApplicationFiled: October 5, 2023Publication date: February 1, 2024Inventors: Devon Watson, Douglas Kurt Hartung, Vanessa Gagnon, Gregory Shimek, Gary A. Ganger
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Publication number: 20240037525Abstract: Systems and methods are disclosed for the deposit, withdrawal, and reuse of currency for transactions. According to disclosed embodiments, an intelligent teller machine (ITM) is configured to receive currency as payment for a transaction, to calculate and dispense any change due, and to request that the net value of the transaction (e.g., the revenue) be deposited into the financial account of the business. The currency received by the ITM is also available to make change for future purchase transactions.Type: ApplicationFiled: September 29, 2023Publication date: February 1, 2024Applicant: Capital One Services, LLCInventors: Adam R. KOEPPEL, Alex Leo NIDERBERG
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Publication number: 20240037526Abstract: Systems and methods for processing multiple point-of-sale (POS) transactions include receiving, at a first window of a user interface, a first input of payment information associated with a first item of a first POS transaction and presenting, at a second window of the user interface, a status of the first POS transaction. The POS system then may receive, at the first window and concurrently with presentation of the status at the second window, a second input associated with a second POS transaction, where the first window is associated with the second transaction and the second window is associated with the first transaction. The POS system may receive a notification of a confirmed payment of the second POS transaction prior to a resolution of the first POS transaction.Type: ApplicationFiled: August 11, 2023Publication date: February 1, 2024Inventors: Bruce Bell, Gerard Thomas Knight, Jared Travis Marr
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Publication number: 20240037527Abstract: Techniques for weight checking for verification of ticket switching are disclosed herein. An example system includes: a weighing scale; cameras configured to capture images of items passing through a product scanning region and images of barcodes affixed to the items; a processor; and a memory storing instructions that cause the one or more processors to determine a first identification of an item based on the image of the barcode; determine a second identification of the item based on the image of the item; compare the first identification to the second identification to determine whether the two identifications match; based on determining that the two identifications do not match, generate a request for the user to place the item on the weighing scale; determine that the weight of the item does not match a first weight associated with the first identification of the item; and trigger one or more mitigation actions.Type: ApplicationFiled: July 29, 2022Publication date: February 1, 2024Inventors: Darran Michael Handshaw, Edward Barkan, Yuri Astvatsaturov
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Publication number: 20240037528Abstract: According to one embodiment, there is provided a settlement device and a settlement method capable of changing, according to a medium to be output, a degree of anonymization of an identification number related to electronic settlement. The settlement device includes: a reception unit configured to receive input of an identification number related to electronic settlement; a settlement unit configured to execute settlement processing for a transaction using the electronic settlement; and an output unit configured to generate, when the settlement processing is completed, based on setting information in which an unidentifiable range of digits of the identification number is set for each type of medium to be output, the identification number having the unidentifiable range of digits for each type of the medium, and to output the generated identification number together with information based on the transaction.Type: ApplicationFiled: May 26, 2023Publication date: February 1, 2024Inventor: Yuji Hayashi
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Publication number: 20240037529Abstract: Embodiments of the present invention provide an intuitive platform for non-contact instructions regarding resource allocation. In this way, a user may utilize one or more specific gestures which are captured, analyzed, and responded to by the system of the invention in order to initiate or complete one or more resource activities such as a resource transfer, resource transfer split, or other resource action.Type: ApplicationFiled: July 27, 2022Publication date: February 1, 2024Applicant: BANK OF AMERICA CORPORATIONInventors: Geetika Lal, Sandeep Kumar Chauhan, Ramarao Gaddam, Anil Gajula, Koteswara Rao Venkata Magham, Suman Matury, Santosh Kumar Miryala, Ravikiran Subramanya Rao, Yash Sharma, Sudarshan Veeramreddy, Durgesh Singh Yadav
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Publication number: 20240037530Abstract: A wearable computing device, such as a smart glass device, may be used to facilitate touchless and/or frictionless transactions at computing devices in the vicinity of the wearable computing device based on a dynamic non-fungible token (NFT). The smart glass device captures biometric information of a user, such as an iris image, and generates the NFT based on the biometric information, a geographic location and a time. The NFT is authenticated via a blockchain by an authentication system at a remote network. Upon validation, the smart glass device presents user interface screens to initiate the transaction. A computing device receives a request message to complete the transaction based on the NFT.Type: ApplicationFiled: July 27, 2022Publication date: February 1, 2024Inventor: Maneesh Sethia
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Publication number: 20240037531Abstract: Embodiments of a computer program product, a computer-implemented method, and a system are disclosed. A program code, executable on one or more client processors, is adapted to obtain a signal of decodable indicia from physical media at a point-of-sale. The program code decodes the decodable indicia signal, to access data from the decoded signal to automatically launch a web browser and navigate the browser to a unique uniform resource locator, where the code initiates an electronic transaction selected from the following group: (1) initiating an electronic commerce transaction, (2) accessing content posted at the resource locator, and (3) sending an electronic communication.Type: ApplicationFiled: June 30, 2023Publication date: February 1, 2024Inventor: John Eric DeTitta
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Publication number: 20240037532Abstract: A payer user device includes a near field communication transceiver and a digital payment application configured to detect, via the near field communication transceiver, one or more nearby payee user devices, receive, via the near field communication transceiver, an anonymous tokenized identifier and an alias of a payee user device of the one or more nearby payee user devices that provides a provider computing system information to identify an anonymous account associated with one or more of the nearby payee user devices where the anonymous tokenized identifier and the alias enable a user associated with the anonymous account to maintain anonymity with a user of the payer user device, and add the anonymous tokenized identifier to a stored list of payees on the payer user device where the anonymous tokenized identifier enables the payer user device to provide the anonymous tokenized identifier to the provider computing system for a payment.Type: ApplicationFiled: October 2, 2023Publication date: February 1, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Carrie A. Hanson, Jeff Parker, Matthew Pearce, Benjamin Soccorsy, Philip Sprague, Andrew Struck-Marcell, Shari Van Cleave, William E. Wheeler
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Publication number: 20240037533Abstract: A device implementing an express credential transaction system includes at least one processor configured to receive an indication that a payment applet for a service provider has been provisioned on a secure element of the device with a first attribute indicating that the payment applet can be utilized for a transaction without authentication associated with the transaction. The processor is configured to set the first attribute of the payment applet to indicate that authentication is required to utilize the payment applet when another payment applet for the service provider provisioned on the secure element of the device has an attribute that indicates the other payment applet can be utilized for the transaction without user authentication. The at least one processor is configured to control whether the user authentication is requested when utilizing the payment applet or the other payment applet, respectively, in transactions.Type: ApplicationFiled: October 10, 2023Publication date: February 1, 2024Inventors: Najeeb M. ABDULRAHIMAN, Matthias LERCH, George R. DICKER, Oren M. ELRAD, Glen W. STEELE, Charles T. AHN, Onur E. TACKIN, Gordon Y. SCOTT
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Publication number: 20240037534Abstract: Disclosed are various embodiments for enabling an instantaneous instrument. In various embodiments, a computing device can receive a request to open a virtual card. Various embodiments of the computing device can then generate a card number for the virtual card. The computing device can then transmit the card number to a user device, which can be used as an instantaneous instrument to make purchases. In various embodiments, the computing device can receive an authorization request from a point of sale terminal, where the authorization request includes the card number. In various embodiments, the computing device can generate a statement that indicates that the authorization request corresponds to the virtual card.Type: ApplicationFiled: October 6, 2023Publication date: February 1, 2024Inventors: Rob Frohwein, Kathryn Petralia
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Publication number: 20240037535Abstract: Various methods, apparatuses/systems, and media for executing an auto-provisioning workflow are disclosed. A processor establishes a communication link between a co-branded partner computing device and a co-branded card issuer computing device via a communication network; transmits a message from the co-branded partner computing device to the co-branded card issuer computing device, the message including reward identification number associated with a first relationship between a co-branded partner and a customer corresponding to a reward account created with a co-branded card issuer; identifies a co-branded card associated with the customer based on matching the received reward identification number with a prestored reward identification number associated with the customer stored on a database; and executes, in response to identifying, an auto-provisioning workflow for automatically transmitting the co-branded card information data to the co-branded partner computing device.Type: ApplicationFiled: July 28, 2023Publication date: February 1, 2024Applicant: JPMorgan Chase Bank, N.A.Inventors: June M LEONARDI, Jeffrey D LANGUS, Eileen STEELE, Tharakesh RANGASWAMY, Sudhir KRISHNA, Kelley MCDERMOTT
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Publication number: 20240037536Abstract: The present disclosure relates to a cryptocurrency card for engaging in cryptocurrency transactions. In one example, a user has a user device and a card. The user device can generate a graphical user interface that includes transaction data associated with an account of the user with a service provider. The graphical user interface can include an option for linking one or more digital wallets to the card. In response to detecting a user selection of the option, the user device can interact with a computer system associated with the service provider to link a digital wallet to the card. Based on the link, the computer system can then use the digital wallet to execute cryptocurrency transactions initiated using the card. The computer system can also update the transaction data to describe the cryptocurrency transactions.Type: ApplicationFiled: July 29, 2022Publication date: February 1, 2024Applicant: Truist BankInventors: Oneka Williams, Chuong Dinh, Gregory Phillips
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Publication number: 20240037537Abstract: Briefly, example methods, apparatuses, and/or articles of manufacture are disclosed that may be implemented, in whole or in part, using one or more computing devices to facilitate and/or support one or more operations and/or techniques for infrastructure for digital asset management, such as implemented in connection with one or more computing and/or communication networks and/or protocols.Type: ApplicationFiled: July 31, 2023Publication date: February 1, 2024Inventors: Daniel Jon Kleinman, Renata Diane Lowenbraun
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Publication number: 20240037538Abstract: A mobile device communicatively coupled to a computer system is provided. The mobile device includes an application configured to facilitate communication with the computer system, and further configured to: generate a displayable and scannable code comprising a geographical location of a transaction and an approximate time of the transaction; provide the displayable and scannable code to a computing system; and receive, after providing the displayable and scannable code to the computing system, an indication that the transaction is authenticated.Type: ApplicationFiled: October 10, 2023Publication date: February 1, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Stephen M. Ellis, Michael J. Kennedy, Ashish Bhoopen Kurani, Melissa Lowry, Uma Meyyappan, Bipin Sahni, Nikolai Stroke
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Publication number: 20240037539Abstract: A cloud-based service is provided that receives conditions for obtaining an object of value from an enterprise. A blockchain-based media of value is created on a blockchain for the object of value. A smart contract is generated an initiated on the blockchain to enforce the conditions with control over the blockchain-based media of value. When a customer provides actions or information that satisfies the conditions to the smart contract the smart contract returns the blockchain-based media of value to a customer wallet. The customer exchanges the blockchain-based media of value for the object of value from the enterprise. In an embodiment, the blockchain-based media of value is a non-fungible token (NFT).Type: ApplicationFiled: July 29, 2022Publication date: February 1, 2024Inventors: Bryan Walser Nonni, Alexander Simon Lewin, Brent Vance Zucker
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Publication number: 20240037540Abstract: An empty self-control card system and an operation method thereof are proposed. The empty self-control card system includes a bank server communicatively connected to a CBDC network and configured to open a CBDC account for storing CBDC coins, and an Empty Card linked to the CBDC account and issued as a physical card, and configured to hold the CBDC coins as a balance, wherein the CBDC network transfers at least a portion of the balance of the Empty Card when a transaction using the Empty Card occurs, so that intangible CBDCs that do not exist may be used in real life.Type: ApplicationFiled: July 28, 2022Publication date: February 1, 2024Inventors: Kenneth Chin Kim, Kwang Il Kim, Jin Hyun KIM
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Publication number: 20240037541Abstract: A method for determining whether a secure transaction between a user computing device and a server, connected via a network, is controlled remotely via a remote access tool. The method includes, during the secure transaction, actively perturbing and/or probing the network to change the conditions in the network. During perturbing of the network, data relating to user interactions with a user interface associated with the user computing device is collected and compared to reference data relating to user interactions carried out prior to the secure transaction or prior to perturbing of the network. Based on the comparison, a probability that the secure transaction is carried out via a remote access tool is computed and is compared to a predefined threshold. If the threshold is exceeded, the secure transaction is terminated.Type: ApplicationFiled: July 29, 2022Publication date: February 1, 2024Inventors: Tony Libell, Per Burström, Mikael Åhlén
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Publication number: 20240037542Abstract: The present disclosure generally relates to methods, systems, apparatuses, and non-transitory computer readable media for managing cryptocurrency. A cryptocurrency management system has a cryptocurrency management device (CMD), a mobile communication device (MCD), and a cryptocurrency management server (CMS) that are each configured to store a respective private key for use in generating a respective authenticating signature for a multi-signature address of a cryptocurrency network. Any two of the three authenticating signatures capable of being generated by the CMD, MCD, and CMS may be combined to generate a fully authenticated request for transferring cryptocurrency associated with the multi-signature address. The system provides the user with a flexible self-custody solution that permits him or her to transfer cryptocurrency without having to access the private key stored at the CMS. However, the CMS enables for recovery in the event of loss or unavailability of one or both of the CMD and/or the MCD.Type: ApplicationFiled: July 18, 2023Publication date: February 1, 2024Applicant: Block, Inc.Inventors: Ryan Lanman, Alexander Schoof, Arvin Aminpour, Clayton Garrett
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Publication number: 20240037543Abstract: Methods and systems use a second dataset comprising independently validated data based on labeled blockchain operations previously processed through the blockchain network. The use of the second dataset in conjunction with the dataset comprising labeled blockchain characteristics data received from a plurality of sources provides a comprehensive input for a machine learning model to identify and label suspicious blockchain operations. By doing so, the system mitigates fraudulent, criminal, or suspicious transactions. For example, the system may send an alert to a user if a behavior type is deemed a high risk by the machine learning model; the system may furthermore hold the funds associated with the blockchain operation in a separate account while the transaction is manually reviewed.Type: ApplicationFiled: July 29, 2022Publication date: February 1, 2024Applicant: Coinbase, Inc.Inventors: Alex REEVE, Harrison DAHME, Linwei CHEN, Akash SHAH, Ming JIANG, Sid SHEKHAR, Zhicong LIANG
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Publication number: 20240037544Abstract: An invoice-centric, payee-centric, and/or payer-payee neutral transaction service is provided. Subsets of the transaction data for the transaction can be received separately from the parties to the transaction. The subsets of transaction data are linked to the transaction and containerized within a hierarchy. Each container within the hierarchy can include its own separate and independent encryption, encoding, and/or access rights. An invoice associated with the transaction is presented to a payer for approval before the transaction is processed, and upon payer approval, the transaction is processed on behalf of the parties using one or more selected containers from the hierarchy. Both the payee and payer may be notified when the transaction is completed.Type: ApplicationFiled: July 29, 2022Publication date: February 1, 2024Inventor: Robert Michael Dolezal
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Publication number: 20240037545Abstract: Systems and methods for synchronizing a customer's shopping experience over multiple channels are disclosed. A transaction record is generated in response to a purchase of goods, and transaction data is extracted from the transaction record and stored in a transaction database. Customer identities are extracted from the transaction record and stored in a customer identity database, wherein the transaction data extracted from the transaction record is associated with the customer identities. A plurality of customer identities are identified that are associated with a user and those identified customer identities that are applicable to the use case of the system are determined. Use case specific information is generated based, at least in part, on transaction data associated with each of the determined customer identities.Type: ApplicationFiled: October 10, 2023Publication date: February 1, 2024Inventors: Jian Huang, Gajendra Kamat, Sushant Kumar, Abhijeet Karnik
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Publication number: 20240037546Abstract: An illustrative fraud deterrent method includes presenting an identity verification option for a first website displayed in a web-browser, the option including offering a login to a third-party website, unrelated to the first website. The method further includes receiving login information for a first user account on the third-party website and verifying the login information through a verification service associated with the third-party website, to verify that the login information is valid for the first user account, identified by the login information. The method additionally includes verifying an identity at the first website, responsive to the verification.Type: ApplicationFiled: October 10, 2023Publication date: February 1, 2024Inventor: Michael Sasha John
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Publication number: 20240037547Abstract: An illustrative fraud deterrent method includes presenting an identity verification option for a first website displayed in a web-browser, the option including offering a login to a third-party website, unrelated to the first website. The method further includes receiving login information for a first user account on the third-party website and verifying the login information through a verification service associated with the third-party website, to verify that the login information is valid for the first user account, identified by the login information. The method additionally includes verifying an identity at the first website, responsive to the verification.Type: ApplicationFiled: October 10, 2023Publication date: February 1, 2024Inventor: Michael Sasha John