Systems, methods, and machine-readable media are provided to facilitate adaptive security and cooperative multi-system operations in conformance with dynamic protocols. An implementation of the protocol that includes parameter constraints mapped to the defined event may be generated, defining an operation flow in response to detection of a defined event at a remote system and transforming the protocol into an executable process that applies to at least one remote system. References to metadata specifications may be transmitted that include specifications of interface elements and cause interface configuring in accordance with the specifications. Upon determination that responses satisfy the parameter constraints, access to a resource may be controlled in accordance with the protocol, or, upon determination that the responses fail to satisfy the parameter constraints, an alert may be transmitted that is indicative of at least one of the references and/or additional references to second metadata specifications.
Techniques and systems for optimizing and cleaning rules for network-based authentication transactions are provided herein. A network-based authentication system may determine a plurality of rules that were previously used to evaluate a plurality of transactions. The network-based authentication system may also generate a false positive rate for one or more of the plurality of rules, A cleaning coefficient for a first rule of the plurality of rules may be generated by the network-based authentication system. Based on the cleaning coefficient and the false positive rate, the network-based authentication system may identify one or more rules from the plurality of rules to eliminate from the plurality of rules. The network-based authentication system may eliminate the one or more rules to generate a modified set of rules. Using the modified set of rules, the network-based authentication system may authenticate a network transaction.
36 - Services financiers, assurances et affaires immobilières
Produits et services
Money transfer and payment processing services in the field of inmate account deposits; electronic cash transactions; prepaid services in the nature of making advance payments to add value to prepaid or pay-as-you-go cards; processing electronic payments made through prepaid cards; processing of credit card payments; processing of debit card payments; providing an internet website portal in the field of financial transaction and payment processing services; providing electronic processing of credit card transactions and electronic payments via a global computer network; providing financial information via a web site; providing multiple payment options by means of customer-operated electronic terminals available at on-site in retail stores
4.
SYSTEMS AND METHODS FOR ADAPTIVE MULTI-SYSTEM OPERATIONS WITH SMART ROUTING PROTOCOLS
Systems, methods, and machine-readable media facilitate adaptive multi-system operations. Electronic communications from resource-controlling systems and/or monitoring devices may be monitored to identify signals corresponding to processes performed by the resource-controlling systems, resource capacities of resources controlled by the resource-controlling systems, and states of the resource-controlling systems. System interactions that correspond to a defined event may be detected. A protocol that includes parameter constraints mapped to the defined event identified. Operating conditions of the resource-controlling systems and/or metrics of processes performed may be determined based on the monitoring. A subset of the resource-controlling systems may be identified as a function of the operating conditions and/or the metrics. A resource-controlling system may be caused to allocate corresponding resources and perform the processes in accordance with the protocol.
Techniques and systems for detecting malicious activity within a network are provided herein. A method for detecting malicious activity within a network may include receiving, by a network-based authentication system, a network transaction. The network-based authentication system may identify a first attribute of the network transaction. The method may also include selecting, by the network-based authentication system, a first learning statistical model and a second learning statistical model from a plurality of models for handling the network transaction. Each of the first learning statistical model and the second learning statistical model may create a likelihood that the network transaction is authentic. The first learning statistical model may calculate a first score and the second learning statistical score may calculate a second score. Based on a comparison of the first score to a first threshold and the second score to a second threshold, the network transaction may be authenticated.
Techniques and systems for determining a malicious derivative entity within a network are provided herein. A method for determining a malicious derivative entity may include receiving, by a network-based authentication system, a plurality of network transactions. A first attribute of a network transaction within the plurality of network transactions may be identified. The method may also include identifying a plurality of entities for the first attribute. The network-based authentication system may generate a first visual representation of a relationship between the first attribute and the plurality of derivative entities. Each of the derivative entities and the first attribute may be represented as nodes within the first visual representation. A first score for each of the nodes may be determined based on a degree of centrality of the nodes within the first visual representation. One network transaction may be blocked based on at least one node exceeding a first threshold.
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable computer software for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; computer operating programs, recorded; computer programs, downloadable for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; computer programs, recorded for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; computer software applications, downloadable for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; computer software platforms, recorded or downloadable for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; computer software, recorded for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; downloadable software for generating cryptographic keys for receiving and spending cryptocurrency; downloadable computer software for use as an electronic wallet; electronic and magnetic ID cards for use in connection with payment for services; magnetic encoded cards and cards containing an integrated circuit chip in the nature of smart cards all containing programming used to process payments; cards encoded with security features for authentication purposes; cards encoded with security features for identification purposes; charge cards, bank cards, credit cards, debit cards, chip cards, stored value cards, electronic data carrier cards, payment cards and payment cards all encoded; banking cards, namely, magnetically encoded banking cards and banking cards using magnetic memories and integrated circuit memories; downloadable computer software, namely, electronic financial platform that accommodates multiple types of payment and debit transactions in an integrated mobile phone, PDA, and web based environment; downloadable computer software to enable searching of data; downloadable computer software for the provision of banking services; downloadable credit screening software; downloadable computer application software for mobile phones, portable media players, handheld computers and other mobile devices, namely, software for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; downloadable computer application software for mobile phones, namely, software for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; downloadable computer e-commerce software to allow users to perform electronic business transactions via a global computer network; consumer coupons in electronic form downloaded from a global computer network related to blockchain technology and the trading of investments, namely, securities, stocks, bonds, commodities, equities and cryptocurrencies; computers; smartphones; smartwatches; Downloadable software for browsing and purchasing consumer goods; Computer software platforms for facilitating online transactions between sellers and buyers of consumer goods and services; Downloadable computer software and mobile application software for use in disseminating advertising for others; downloadable computer software and mobile application software for use in providing retail and ordering services for a wide variety of consumer goods; search engine software; downloadable computer software and mobile application software for use in barcode scanning and price comparison; downloadable computer software and mobile application software for use in sharing information via e-mail, text message, and social media services about products, services, and deals; downloadable computer software and mobile application software for use in accessing online bulletin boards and for creating and accessing user-posted ratings, reviews and recommendations on products and services for commercial purposes; downloadable computer software and mobile application software for text, image and sound transmission and display; computer software for image and speech recognition; computer software for facilitating payments and online transactions; computer software for use in disseminating advertising for others; Downloadable software for facilitating commercial transactions through electronic means via wireless networks, global computer networks and mobile telecommunication devices; Downloadable software for processing, facilitating, verifying, and authenticating mobile payments and contactless transactions with retailers, merchants, and vendors using a mobile device. Monetary affairs, namely, monetary exchange operations, digital currency exchange operations; banking services; money transfer services; bill payment services; money order services; cheque cashing services; debt collection services; electronic funds transfer services; transmission of money by electronic means from customers; transfer of payments for consumers; credit card services, namely, credit card authorization services, credit card payment processing services, credit card transaction processing services; processing electronic payments made through prepaid cards; automated teller machine services; debit card services, namely, debit card transaction processing services, debit card authorization services, issuing of debit cards, issuing of prepaid debit cards, issuing stored value cards; direct deposit of funds into customer bank accounts; automated financial clearing house deposit services; currency exchange services; home banking; cheque verification; financial clearing houses; crowdfunding; debt collection agency services; electronic wallet payment services, namely, processing of electronic wallet payments, bill payment services provided via an electronic wallet; electronic transfer of virtual currencies; exchanging money; financial analysis; financial consultancy; financial customs brokerage services; financial evaluations; financial exchange of virtual currency; financial management; financial management of reimbursement payments for others; financial research; providing financial information; providing financial information via a web site; financing services; fiscal valuation; investment of funds; organization of monetary collections, namely, accepting and administering monetary charitable contributions; online banking; processing of credit card payments; processing of debit card payments; providing rebates at participating establishments of others through use of a membership card; Gift card transaction processing services; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; e-commerce services, namely, credit card and payment card services and payment transaction processing services; payment processing services, namely, managing and tracking credit card, debit card, gift card, pre-paid card, deferred payment card, and other forms of payment transactions for business purposes; payment processing services, namely, issuing and providing receipts for electronic payments and payment transactions; financial services, namely, enabling transfer of funds for others via electronic communications networks; clearing and reconciling financial transactions via electronic communications networks; financial transactions authorization, authentication and settlement services, cash management services, namely, cash disbursement services and transaction authorization, authentication and settlement services; remote payment services; electronic payment and information management services; Electronic payment services, namely, enabling electronic processing and transmission of electronic funds transfer and payments via ACH, credit card, debit card, prepaid cards, wireless wallets, mobile wallets, electronic wallets, electronic check and electronic, mobile and online payments; Financial transaction services, namely, providing secure commercial transactions and payment options; Credit card and transaction processing terminal services using near field communication (NFC) technology; electronic financial trading services for others via a global computer network; electronic commodities, cryptocurrencies, and digital assets exchange services; providing financial services in the nature of providing an exchange for commodities and commodities derivatives, crypto currencies, and digital assets; providing online exchange of commodities and commodities derivatives, crypto currencies, and digital assets; providing information via a website in the field of commodities and commodity derivatives, crypto currencies, and digital assets pricing and related financial information; financial services in the nature of assisting others with the completion of financial transactions for commodities and commodity derivatives, crypto currencies, and digital assets; services relating to financial transactions, namely, trading of commodities and commodity derivatives, crypto currencies, and digital assets for others; providing financial brokerage services in the nature of offering, sponsoring, managing and administering commodities, commodity derivatives, crypto currencies, and digital assets and related financial instruments; surety services; issuance of tokens of value; retirement payment services, namely, financial administration of employee retirement plans; providing information in the fields of investment and finance over computer networks and global communication networks.. Design and development of computer hardware and software; computer programming; computer security consultancy; computer software consultancy; computer software design; computer system analysis; computer system design; computer technology consultancy; rental of computer software; conversion of computer programs and data, other than physical conversion; conversion of data or documents from physical to electronic media; data encryption services; data security consultancy; development of computer platforms; duplication of computer programs; electronic data storage; electronic monitoring of credit card activity to detect fraud via the internet; electronic monitoring of personally identifying information to detect identity theft via the internet; information technology (IT) consultancy; providing information relating to computer technology and programming via a web site; installation of computer software; internet security consultancy; maintenance of computer software; monitoring of computer systems for detecting unauthorized access or data breach; monitoring of computer systems to detect breakdowns; platform as a service (PAAS) featuring computer software platforms for processing of payments and for processing of money transfers; software as a service (SAAS) services featuring software for processing of payments and for processing of money transfers; updating of computer software; user authentication services using single sign-on technology for online software applications; user authentication services using technology for e-commerce transactions; hosted software solution for use in compliance, namely, hosting software for use by others for use in verifying compliance with comparative billing reports (CBR); providing temporary use of online non-downloadable software for processing electronic payments; providing temporary use of online non-downloadable software for issuing receipts regarding mobile payment transactions; Providing online non-downloadable computer software for online banking and cash management; providing temporary use of non-downloadable computer software for creating and providing user access to searchable databases of information and data; providing temporary use of non-downloadable search engine software; providing temporary use of non-downloadable computer software for wireless content delivery; providing temporary use of non-downloadable computer software for accessing online information; providing temporary use of non-downloadable computer software for facilitating payments and online transactions; providing temporary use of non-downloadable computer software that provides retail and ordering services for a wide variety of consumer goods; providing temporary use of non-downloadable computer software for use in disseminating advertising for others; providing temporary use of non-downloadable computer software for disseminating information regarding consumer product discounts; providing temporary use of non-downloadable computer software for use in sharing information about products, services, and deals; providing temporary use of non-downloadable computer software for use in barcode scanning and price comparison; providing temporary use of non-downloadable computer software for electronic storage of data; providing temporary use of non-downloadable computer software for storing, organizing, editing and sharing photos; providing temporary use of non-downloadable computer software for image and speech recognition device..
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
(1) Downloadable computer software for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; computer operating programs, recorded; computer programs, downloadable for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; computer programs, recorded for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; computer software applications, downloadable for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; computer software platforms, recorded or downloadable for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; computer software, recorded for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; downloadable software for generating cryptographic keys for receiving and spending cryptocurrency; downloadable computer software for use as an electronic wallet; electronic and magnetic ID cards for use in connection with payment for services; magnetic encoded cards and cards containing an integrated circuit chip in the nature of smart cards all containing programming used to process payments; cards encoded with security features for authentication purposes; cards encoded with security features for identification purposes; charge cards, bank cards, credit cards, debit cards, chip cards, stored value cards, electronic data carrier cards, payment cards and payment cards all encoded; banking cards, namely, magnetically encoded banking cards and banking cards using magnetic memories and integrated circuit memories; downloadable computer software, namely, electronic financial platform that accommodates multiple types of payment and debit transactions in an integrated mobile phone, PDA, and web based environment; downloadable computer software to enable searching of data; downloadable computer software for the provision of banking services; downloadable credit screening software; downloadable computer application software for mobile phones, portable media players, handheld computers and other mobile devices, namely, software for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; downloadable computer application software for mobile phones, namely, software for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payments transactions; downloadable computer e-commerce software to allow users to perform electronic business transactions via a global computer network; consumer coupons in electronic form downloaded from a global computer network, blockchain technology and the trading of investments, namely, securities, stocks, bonds, commodities, equities and cryptocurrencies; computers; smartphones; smartwatches; Downloadable software for browsing and purchasing consumer goods; Computer software platforms for facilitating online transactions between sellers and buyers of consumer goods and services; Downloadable computer software and mobile application software for use in disseminating advertising for others; downloadable computer software and mobile application software for use in providing retail and ordering services for a wide variety of consumer goods; search engine software; downloadable computer software and mobile application software for use in barcode scanning and price comparison; downloadable computer software and mobile application software for use in sharing information via e-mail, text message, and social media services about products, services, and deals; downloadable computer software and mobile application software for use in accessing online bulletin boards and for creating and accessing user-posted ratings, reviews and recommendations on products and services for commercial purposes; downloadable computer software and mobile application software for text, image and sound transmission and display; computer software for image and speech recognition; computer software for facilitating payments and online transactions;; computer software for use in disseminating advertising for others; Downloadable software for facilitating commercial transactions through electronic means via wireless networks, global computer networks and mobile telecommunication devices; Downloadable software for processing, facilitating, verifying, and authenticating mobile payments and contactless transactions with retailers, merchants, and vendors using a mobile device; (1) Monetary affairs, namely, monetary exchange operations, digital currency exchange operations; banking services; money transfer services; bill payment services; money order services; cheque cashing services; debt collection services; electronic funds transfer services; transmission of money by electronic means from customers; transfer of payments for consumers; credit card services, namely, credit card authorization services, credit card payment processing services, credit card transaction processing services; processing electronic payments made through prepaid cards; automated teller machine services; debit card services, namely, debit card transaction processing services, debit card authorization services, issuing of debit cards, issuing of prepaid debit cards, issuing stored value cards; direct deposit of funds into customer bank accounts; automated financial clearing house deposit services; currency exchange services; home banking; cheque verification; financial clearing houses; crowdfunding; debt collection agency services; electronic wallet payment services, namely, processing of electronic wallet payments, bill payment services provided via an electronic wallet; electronic transfer of virtual currencies; exchanging money; financial analysis; financial consultancy; financial customs brokerage services; financial evaluations; financial exchange of virtual currency; financial management; financial management of reimbursement payments for others; financial research; providing financial information; providing financial information via a web site; financing services; fiscal valuation; investment of funds; organization of monetary collections, namely, accepting and administering monetary charitable contributions; online banking; processing of credit card payments; processing of debit card payments; providing rebates at participating establishments of others through use of a membership card; Gift card transaction processing services; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; e-commerce services, namely, credit card and payment card services and payment transaction processing services; payment processing services, namely, managing and tracking credit card, debit card, gift card, pre-paid card, deferred payment card, and other forms of payment transactions for business purposes; payment processing services, namely, issuing and providing receipts for electronic payments and payment transactions; financial services, namely, enabling transfer of funds for others via electronic communications networks; clearing and reconciling financial transactions via electronic communications networks; financial transactions authorization, authentication and settlement services, cash management services, namely, cash disbursement services and transaction authorization, authentication and settlement services; remote payment services; electronic payment and information management services; Electronic payment services, namely, enabling electronic processing and transmission of electronic funds transfer and payments via ACH, credit card, debit card, prepaid cards, wireless wallets, mobile wallets, electronic wallets, electronic check and electronic, mobile and online payments; Financial transaction services, namely, providing secure commercial transactions and payment options; Credit card and transaction processing terminal services using near field communication (NFC) technology; electronic financial trading services for others via a global computer network; electronic commodities, cryptocurrencies, and digital assets exchange services; providing financial services in the nature of providing an exchange for commodities and commodities derivatives, crypto currencies, and digital assets; providing online exchange of commodities and commodities derivatives, crypto currencies, and digital assets; providing information via a website in the field of commodities and commodity derivatives, crypto currencies, and digital assets pricing and related financial information; financial services in the nature of assisting others with the completion of financial transactions for commodities and commodity derivatives, crypto currencies, and digital assets; services relating to financial transactions, namely, trading of commodities and commodity derivatives, crypto currencies, and digital assets for others; providing financial brokerage services in the nature of offering, sponsoring, managing and administering commodities, commodity derivatives, crypto currencies, and digital assets and related financial instruments; surety services; issuance of tokens of value; providing rebates at participating establishments of others through use of a membership card; retirement payment services, namely, financial administration of employee retirement plans; providing information in the fields of investment and finance over computer networks and global communication networks;
(2) Design and development of computer hardware and software; computer programming; computer security consultancy; computer software consultancy; computer software design; computer system analysis; computer system design; computer technology consultancy; rental of computer software; conversion of computer programs and data, other than physical conversion; conversion of data or documents from physical to electronic media; data encryption services; data security consultancy; development of computer platforms; duplication of computer programs; electronic data storage; electronic monitoring of credit card activity to detect fraud via the internet; electronic monitoring of personally identifying information to detect identity theft via the internet; information technology (IT) consultancy; providing information relating to computer technology and programming via a web site; installation of computer software; internet security consultancy; maintenance of computer software; monitoring of computer systems for detecting unauthorized access or data breach; monitoring of computer systems to detect breakdowns; platform as a service (PAAS) featuring computer software platforms for processing of payments and for processing of money transfers; software as a service (SAAS) services featuring software for processing of payments and for processing of money transfers; updating of computer software; user authentication services using single sign-on technology for online software applications; user authentication services using technology for e-commerce transactions; hosted software solution for use in compliance, namely, hosting software for use by others for use in verifying compliance with comparative billing reports (CBR); providing temporary use of online non-downloadable software for processing electronic payments; providing temporary use of online non-downloadable software for issuing receipts regarding mobile payment transactions; Providing online non-downloadable computer software for online banking and cash management; Electronic data storage; providing temporary use of non-downloadable computer software for creating and providing user access to searchable databases of information and data; providing temporary use of non-downloadable search engine software; providing temporary use of non-downloadable computer software for wireless content delivery; providing temporary use of non-downloadable computer software for accessing online information; providing temporary use of non-downloadable computer software for facilitating payments and online transactions; providing temporary use of non-downloadable computer software that provides retail and ordering services for a wide variety of consumer goods; providing temporary use of non-downloadable computer software for use in disseminating advertising for others; providing temporary use of non-downloadable computer software for disseminating information regarding consumer product discounts; providing temporary use of non-downloadable computer software for use in sharing information about products, services, and deals; providing temporary use of non-downloadable computer software for use in barcode scanning and price comparison; providing temporary use of non-downloadable computer software for electronic storage of data; providing temporary use of non-downloadable computer software for storing, organizing, editing and sharing photos; providing temporary use of non-downloadable computer software for image and speech recognition device;
9.
METHODS AND SYSTEMS FOR REAL-TIME IDENTIFICATION AND MITIGATION OF AGENT RISKS RELATING TO AML
Systems and methods for identifying and mitigating non-compliances include determining an agent location of a money service business for review, obtaining a photograph and geographic coordinates of the agent location, and collecting field data at the agent location through a mobile application. Such information are sent from the mobile application to a central server of a third party vendor for a series of quality checks and stored at the central server. Such information may be used for further corrective action against the agent location reviewed.
G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable computer software for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; computer operating programs, recorded; computer programs, downloadable for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; computer programs, recorded for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; computer software applications, downloadable for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; computer software platforms, recorded and downloadable for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; computer software, recorded for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; downloadable software for generating cryptographic keys for receiving and spending cryptocurrency; downloadable computer software for use as an electronic wallet; electronic and magnetic ID cards for use in connection with payment for services; magnetic encoded cards and cards containing an integrated circuit chip in the nature of smart cards all containing programming used to process payments; cards encoded with security features for authentication purposes; cards encoded with security features for identification purposes; charge cards, bank cards for issuance by financial institutions, credit cards, debit cards, chip cards, namely, debit, credit and prepaid cards allowing individuals to use and access funds, stored value cards in the nature of prepaid purchase cards for purchasing goods and services, electronic data carrier cards for use in financial transactions, cards for use in connection with payment for goods and services, all of the aforementioned magnetically encoded; banking cards, namely, magnetically encoded banking cards and banking cards using magnetic memories and integrated circuit memories for issuance by financial institutions; downloadable computer software, namely, electronic financial platform that accommodates multiple types of payment and debit transactions in an integrated mobile phone, PDA, and web based environment; downloadable computer software to enable searching of data; downloadable computer software for the provision of banking services; downloadable credit screening software; downloadable computer application software for mobile phones, portable media players, handheld computers and other mobile devices, namely, software for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; downloadable computer application software for mobile phones, namely, software for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payments transactions; downloadable computer e-commerce software to allow users to perform electronic business transactions via a global computer network; consumer coupons in electronic form downloaded from a global computer network; electronic publications, downloadable in the nature of books, pamphlets, brochures, and magazines in the field of finance, financial investments, financial valuations, cryptocurrencies, blockchain technology and the trading of investments, namely, securities, stocks, bonds, commodities, equities and cryptocurrencies; computers; smartphones; smartwatches; downloadable software for browsing and purchasing consumer goods; downloadable computer software platforms for facilitating online transactions between sellers and buyers of consumer goods and services; Downloadable computer software and mobile application software for use in disseminating advertising for others; downloadable computer software and mobile application software for use in providing retail and ordering services for a wide variety of consumer goods; downloadable search engine software; downloadable computer software and mobile application software for use in sharing information via e-mail, text message, and social media services about products, services, and deals; downloadable computer software and mobile application software for use in accessing online bulletin boards and for creating and accessing user-posted ratings, reviews and recommendations on products and services for commercial purposes; downloadable computer software and mobile application software for purchasing, accessing, and viewing movies, TV shows, videos and music; downloadable computer software and mobile application software for text, image and sound transmission and display; downloadable computer software for image and speech recognition; downloadable computer software for online shopping; downloadable computer software for facilitating payments and online transactions; downloadable computer software that provides retail and ordering services for a wide variety of consumer goods; downloadable computer software for use in disseminating advertising for others; downloadable software for facilitating commercial transactions through electronic means via wireless networks, global computer networks and mobile telecommunication devices; downloadable software for processing, facilitating, verifying, and authenticating mobile payments and contactless transactions with retailers, merchants, and vendors using a mobile device Financial services, namely, financial research and information services, financial consultancy services; monetary affairs, namely, monetary exchange operations, digital currency exchange operations; banking services; money transfer services; bill payment services; money order services; cheque cashing services; debt collection services; electronic funds transfer services; transmission of money by electronic means from customers; transfer of payments for consumers; credit card services, namely, credit card authorization services, credit card payment processing services, credit card transaction processing services; processing electronic payments made through prepaid cards; automated teller machine services; debit card services, namely, debit card transaction processing services, debit card authorization services, issuing of debit cards, issuing of prepaid debit cards, issuing stored value cards; direct deposit of funds into customer bank accounts; automated financial clearing house deposit services; currency exchange services; real estate agency services; real estate management; investment management services; arranging of loans; mortgage banking; stocks and bonds brokerage; home banking; leasing of real estate; bail-bonding; capital investment; cheque verification; financial clearing houses; credit bureau services; crowdfunding; debt advisory services; debt collection agency services; electronic wallet payment services, namely, processing of electronic wallet payments, bill payment services provided via an electronic wallet; electronic transfer of virtual currencies; exchanging money; financial analysis; financial consultancy; financial customs brokerage services; Financial evaluations for the purpose of extending credit and other financial offers; financial exchange of virtual currency; financial management; financial management of reimbursement payments for others; financial research; financial valuation of intellectual property assets; providing financial information; providing financial information via a web site; financing services; fiscal valuation; hire-purchase financing; lease-purchase financing; installment loans; insurance brokerage; insurance consultancy; providing insurance information; investment of funds; lending against security, namely, securities lending; financing of loans; organization of monetary collections, namely, accepting and administering monetary charitable contributions; online banking; processing of credit card payments; processing of debit card payments; real estate appraisal; real estate brokerage; providing rebates at participating establishments of others through use of a membership card; rent collection; savings bank services; securities brokerage providing stock and securities market information; Gift card transaction processing services; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; e-commerce services, namely, credit card and payment card services in the nature of the offering of branded credit and debit card products and payment transaction processing services; payment processing services, namely, managing and tracking credit card, debit card, gift card, pre-paid card, deferred payment card, and other forms of payment transactions for business purposes; payment processing services, namely, issuing and providing receipts for electronic payments and payment transactions; financial services, namely, enabling transfer of funds for others via electronic communications networks; clearing and reconciling financial transactions via electronic communications networks; financial transactions authorization, authentication and settlement services by providing secure commercial transactions and payment options and collection of money owed from settlement services, cash management services, namely, cash transaction disbursement services and cash transaction authorization, authentication and debt settlement services; remote payment services in the nature of remittance payments and bill payments; Electronic payment services, namely, enabling electronic processing and transmission of electronic funds transfer and payments via ACH, credit card, debit card, prepaid cards, wireless wallets, mobile wallets, electronic wallets, electronic check and electronic, mobile and online payments; Financial transaction services, namely, providing secure commercial transactions and payment options; Credit card and transaction processing terminal services using near field communication (NFC) technology; electronic financial trading services for others via a global computer network; electronic commodities, cryptocurrencies, and digital assets exchange services; providing financial services in the nature of providing an exchange for commodities and commodities derivatives, crypto currencies, and digital assets; financial services, namely, providing online exchange of digital assets; providing information via a website in the field of commodities and commodity derivatives, crypto currencies, and digital assets pricing and related financial information; financial services in the nature of assisting others with the completion of financial transactions for commodities and commodity derivatives, crypto currencies, and digital assets; services relating to financial transactions, namely, trading of commodities and commodity derivatives, crypto currencies, and digital assets for others; providing financial brokerage services in the nature of offering, sponsoring, managing and administering commodities, commodity derivatives, crypto currencies, and digital assets and related financial instruments; surety services; insurance agency and brokerage; insurance services, namely, underwriting life, health, accident, and fire insurance; retirement payment services, namely, financial administration of employee retirement plans; safe deposit box services; stock brokerage services; stock exchange quotations; providing information in the fields of investment and finance over computer networks and global communication networks; charitable services, namely, providing financial information to further opportunities for people who migrate in pursuit of a more prosperous future Design and development of computer hardware and software; computer programming; computer rental; computer security consultancy; computer software consultancy; computer software design; computer system analysis; computer system design; computer technology consultancy; conversion of computer programs and data, other than physical conversion; conversion of data or documents from physical to electronic media; data encryption services; data security consultancy; development of computer platforms; duplication of computer programs; electronic data storage; electronic monitoring of credit card activity to detect fraud via the internet; electronic monitoring of personally identifying information to detect identity theft via the internet; providing information relating to computer technology and programming via a web site; installation of computer software; internet security consultancy; maintenance of computer software; monitoring of computer systems for detecting unauthorized access or data breach; monitoring of computer systems to detect breakdowns; platform as a service (PAAS) featuring computer software platforms for processing of payments and for processing of money transfers; software as a service (SAAS) services featuring software for processing of payments and for processing of money transfers; updating of computer software; user authentication services using single sign-on technology for online software applications; user authentication services using technology for e-commerce transactions; providing temporary use of online non-downloadable software for processing electronic payments; providing temporary use of online non-downloadable software for issuing receipts regarding mobile payment transactions; compliance services utilizing analytical tools, models, and reports for complying with regulations, namely, providing a website featuring on-line non-downloadable software that enables users to utilize analytical tools, models and reports for the purpose of complying with financial regulations; Providing online non-downloadable computer software for online banking and cash management; providing temporary use of online non-downloadable computer software for creating and providing user access to searchable databases of information and data; providing temporary use of online non-downloadable search engine software; providing temporary use of online non-downloadable computer software for wireless content delivery; providing temporary use of online non-downloadable computer software for accessing online information; providing temporary use of online non-downloadable computer software for online shopping; providing temporary use of online non-downloadable computer software for facilitating payments and online transactions; providing temporary use of online non-downloadable computer software that provides retail and ordering services for a wide variety of consumer goods; providing temporary use of online non-downloadable computer software for use in disseminating advertising for others; providing temporary use of online non-downloadable computer software for disseminating information regarding consumer product discounts; providing temporary use of online non-downloadable computer software for use in sharing information about products, services, and deals; providing temporary use of online non-downloadable computer software for use in barcode scanning and price comparison; providing temporary use of online non-downloadable computer software for electronic storage of data; providing temporary use of online non-downloadable computer software for storing, organizing, editing and sharing photos; providing temporary use of online non-downloadable computer software for image and speech recognition device
36 - Services financiers, assurances et affaires immobilières
Produits et services
Financial services, namely, financial research and information services, financial consultancy services; monetary affairs, namely, monetary exchange operations, digital currency exchange operations; banking services; money transfer services; bill payment services; money order services; cheque cashing services; debt collection services; electronic funds transfer services; transmission of money by electronic means from customers; transfer of payments for consumers; credit card services, namely, credit card authorization services, credit card payment processing services, credit card transaction processing services; processing electronic payments made through prepaid cards; automated teller machine services; debit card services, namely, debit card transaction processing services, debit card authorization services, issuing of debit cards, issuing of prepaid debit cards, issuing stored value cards; direct deposit of funds into customer bank accounts; automated financial clearing house deposit services; currency exchange services; real estate agency services; real estate management; investment management services; arranging of loans; mortgage banking; stocks and bonds brokerage; home banking; leasing of real estate; bail-bonding; capital investment; cheque verification; financial clearing houses; credit bureau services; crowdfunding; debt advisory services; debt collection agency services; electronic wallet payment services, namely, processing of electronic wallet payments, bill payment services provided via an electronic wallet; electronic transfer of virtual currencies; exchanging money; financial analysis; financial consultancy; financial customs brokerage services; Financial evaluations for the purpose of extending credit and other financial offers; financial exchange of virtual currency; financial management; financial management of reimbursement payments for others; financial research; financial valuation of intellectual property assets; providing financial information; providing financial information via a web site; financing services; fiscal valuation; hire-purchase financing; lease-purchase financing; installment loans; insurance brokerage; insurance consultancy; providing insurance information; investment of funds; lending against security, namely, securities lending; financing of loans; organization of monetary collections, namely, accepting and administering monetary charitable contributions; online banking; processing of credit card payments; processing of debit card payments; real estate appraisal; real estate brokerage; providing rebates at participating establishments of others through use of a membership card; rent collection; savings bank services; securities brokerage providing stock and securities market information; Gift card transaction processing services; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; e-commerce services, namely, credit card and payment card services in the nature of the offering of branded credit and debit card products and payment transaction processing services; payment processing services, namely, managing and tracking credit card, debit card, gift card, pre-paid card, deferred payment card, and other forms of payment transactions for business purposes; payment processing services, namely, issuing and providing receipts for electronic payments and payment transactions; financial services, namely, enabling transfer of funds for others via electronic communications networks; clearing and reconciling financial transactions via electronic communications networks; financial transactions authorization, authentication and settlement services by providing secure commercial transactions and payment options and collection of money owed from settlement services, cash management services, namely, cash transaction disbursement services and cash transaction authorization, authentication and debt settlement services; remote payment services in the nature of remittance payments and bill payments; Electronic payment services, namely, enabling electronic processing and transmission of electronic funds transfer and payments via ACH, credit card, debit card, prepaid cards, wireless wallets, mobile wallets, electronic wallets, electronic check and electronic, mobile and online payments; Financial transaction services, namely, providing secure commercial transactions and payment options; Credit card and transaction processing terminal services using near field communication (NFC) technology; electronic financial trading services for others via a global computer network; electronic commodities, cryptocurrencies, and digital assets exchange services; providing financial services in the nature of providing an exchange for commodities and commodities derivatives, crypto currencies, and digital assets; financial services, namely, providing online exchange of digital assets; providing information via a website in the field of commodities and commodity derivatives, crypto currencies, and digital assets pricing and related financial information; financial services in the nature of assisting others with the completion of financial transactions for commodities and commodity derivatives, crypto currencies, and digital assets; services relating to financial transactions, namely, trading of commodities and commodity derivatives, crypto currencies, and digital assets for others; providing financial brokerage services in the nature of offering, sponsoring, managing and administering commodities, commodity derivatives, crypto currencies, and digital assets and related financial instruments; surety services; insurance agency and brokerage; insurance services, namely, underwriting life, health, accident, and fire insurance; retirement payment services, namely, financial administration of employee retirement plans; safe deposit box services; stock brokerage services; stock exchange quotations; providing information in the fields of investment and finance over computer networks and global communication networks
09 - Appareils et instruments scientifiques et électriques
Produits et services
Downloadable computer software for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; computer operating programs, recorded; computer programs, downloadable for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; computer programs, recorded for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; computer software applications, downloadable for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; computer software platforms, recorded and downloadable for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; computer software, recorded for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; downloadable software for generating cryptographic keys for receiving and spending cryptocurrency; downloadable computer software for use as an electronic wallet; electronic and magnetic ID cards for use in connection with payment for services; magnetic encoded cards and cards containing an integrated circuit chip in the nature of smart cards all containing programming used to process payments; cards encoded with security features for authentication purposes; cards encoded with security features for identification purposes; charge cards, bank cards for issuance by financial institutions, credit cards, debit cards, chip cards, namely, debit, credit and prepaid cards allowing individuals to use and access funds, stored value cards in the nature of prepaid purchase cards for purchasing goods and services, electronic data carrier cards for use in financial transactions, cards for use in connection with payment for goods and services, all of the aforementioned magnetically encoded; banking cards, namely, magnetically encoded banking cards and banking cards using magnetic memories and integrated circuit memories for issuance by financial institutions; downloadable computer software, namely, electronic financial platform that accommodates multiple types of payment and debit transactions in an integrated mobile phone, PDA, and web based environment; downloadable computer software to enable searching of data; downloadable computer software for the provision of banking services; downloadable credit screening software; downloadable computer application software for mobile phones, portable media players, handheld computers and other mobile devices, namely, software for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; downloadable computer application software for mobile phones, namely, software for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payments transactions; downloadable computer e-commerce software to allow users to perform electronic business transactions via a global computer network; consumer coupons in electronic form downloaded from a global computer network; electronic publications, downloadable in the nature of books, pamphlets, brochures, and magazines in the field of finance, financial investments, financial valuations, cryptocurrencies, blockchain technology and the trading of investments, namely, securities, stocks, bonds, commodities, equities and cryptocurrencies; computers; smartphones; smartwatches; downloadable software for browsing and purchasing consumer goods; downloadable computer software platforms for facilitating online transactions between sellers and buyers of consumer goods and services; Downloadable computer software and mobile application software for use in disseminating advertising for others; downloadable computer software and mobile application software for use in providing retail and ordering services for a wide variety of consumer goods; downloadable search engine software; downloadable computer software and mobile application software for use in sharing information via e-mail, text message, and social media services about products, services, and deals; downloadable computer software and mobile application software for use in accessing online bulletin boards and for creating and accessing user-posted ratings, reviews and recommendations on products and services for commercial purposes; downloadable computer software and mobile application software for purchasing, accessing, and viewing movies, TV shows, videos and music; downloadable computer software and mobile application software for text, image and sound transmission and display; downloadable computer software for image and speech recognition; downloadable computer software for online shopping; downloadable computer software for facilitating payments and online transactions; downloadable computer software that provides retail and ordering services for a wide variety of consumer goods; downloadable computer software for use in disseminating advertising for others; downloadable software for facilitating commercial transactions through electronic means via wireless networks, global computer networks and mobile telecommunication devices; downloadable software for processing, facilitating, verifying, and authenticating mobile payments and contactless transactions with retailers, merchants, and vendors using a mobile device
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Design and development of computer hardware and software; computer programming; computer rental; computer security consultancy; computer software consultancy; computer software design; computer system analysis; computer system design; computer technology consultancy; conversion of computer programs and data, other than physical conversion; conversion of data or documents from physical to electronic media; data encryption services; data security consultancy; development of computer platforms; duplication of computer programs; electronic data storage; electronic monitoring of credit card activity to detect fraud via the internet; electronic monitoring of personally identifying information to detect identity theft via the internet; providing information relating to computer technology and programming via a web site; installation of computer software; internet security consultancy; maintenance of computer software; monitoring of computer systems for detecting unauthorized access or data breach; monitoring of computer systems to detect breakdowns; platform as a service (PAAS) featuring computer software platforms for processing of payments and for processing of money transfers; software as a service (SAAS) services featuring software for processing of payments and for processing of money transfers; updating of computer software; user authentication services using single sign-on technology for online software applications; user authentication services using technology for e-commerce transactions; providing temporary use of online non-downloadable software for processing electronic payments; providing temporary use of online non-downloadable software for issuing receipts regarding mobile payment transactions; compliance services utilizing analytical tools, models, and reports for complying with regulations, namely, providing a website featuring on-line non-downloadable software that enables users to utilize analytical tools, models and reports for the purpose of complying with financial regulations; Providing online non-downloadable computer software for online banking and cash management; providing temporary use of online non-downloadable computer software for creating and providing user access to searchable databases of information and data; providing temporary use of online non-downloadable search engine software; providing temporary use of online non-downloadable computer software for wireless content delivery; providing temporary use of online non-downloadable computer software for accessing online information; providing temporary use of online non-downloadable computer software for online shopping; providing temporary use of online non-downloadable computer software for facilitating payments and online transactions; providing temporary use of online non-downloadable computer software that provides retail and ordering services for a wide variety of consumer goods; providing temporary use of online non-downloadable computer software for use in disseminating advertising for others; providing temporary use of online non-downloadable computer software for disseminating information regarding consumer product discounts; providing temporary use of online non-downloadable computer software for use in sharing information about products, services, and deals; providing temporary use of online non-downloadable computer software for use in barcode scanning and price comparison; providing temporary use of online non-downloadable computer software for electronic storage of data; providing temporary use of online non-downloadable computer software for storing, organizing, editing and sharing photos; providing temporary use of online non-downloadable computer software for image and speech recognition device
14.
Methods and systems for identifying funds transfer opportunities in electronic media
A method for identifying a funds transfer opportunity in an electronic media accessed by a mobile device may include monitoring the electronic media for the funds transfer opportunity, identifying the funds transfer opportunity in the electronic media, and outputting indication for the funds transfer opportunity in the electronic media. The method may further include receiving confirmation to instantiate a funds transfer based on the indicated funds transfer opportunity on the mobile device and instantiating the funds transfer based on the received confirmation.
Embodiments described herein relate generally to network-based threat detection mechanisms. Specifically, embodiments described herein describe a communication mechanism that filters (e.g., allows or blocks) received communications according to an iterative security list.
Systems, methods, and machine-readable media are provided to facilitate adaptive security and cooperative multi-system operations in conformance with dynamic protocols. An implementation of the protocol that includes parameter constraints mapped to the defined event may be generated, defining an operation flow in response to detection of a defined event at a remote system and transforming the protocol into an executable process that applies to at least one remote system. References to metadata specifications may be transmitted that include specifications of interface elements and cause interface configuring in accordance with the specifications. Upon determination that responses satisfy the parameter constraints, access to a resource may be controlled in accordance with the protocol, or, upon determination that the responses fail to satisfy the parameter constraints, an alert may be transmitted that is indicative of at least one of the references and/or additional references to second metadata specifications.
Techniques are disclosed for providing secure transaction functionality embedded into host applications executing on transaction client devices, using an integration framework and user interfaces. A transaction server may be configured to receive initial transaction sender and receiver data from an integrated software component executing within a host software application on a transaction client device. After receiving the initial transaction sender and receiver data from the integrated software component, the transaction server may determine transaction sender and transaction recipient locations, and may select a particular transaction user interface based on the sender and recipient location data. Particular transaction user interface also may be determined based on specific host applications. After determining the particular transaction user interface, the interface may be transmitted to the transaction client device, for example, via a content delivery network.
H04L 67/568 - Stockage temporaire des données à un stade intermédiaire, p.ex. par mise en antémémoire
H04L 67/60 - Ordonnancement ou organisation du service des demandes d'application, p.ex. demandes de transmission de données d'application en utilisant l'analyse et l'optimisation des ressources réseau requises
H04L 67/06 - Protocoles spécialement adaptés au transfert de fichiers, p.ex. protocole de transfert de fichier [FTP]
18.
Systems and methods for real-time encryption of sensitive data
Techniques and systems for protecting data input to a web-based application are provided herein. A method may include executing, within a web browser being executed by a computer system, a web-based application. Execution of the web-based application may include tagging one or more data fields as sensitive and fetching a public key from a remote server system. The method may include identifying, by the web-based application, a keystroke entry being input into the one or more data fields tagged as sensitive within the web-based application. Prior to storing the keystroke entry in memory mapped to the web browser, the method may include encrypting by the web-based application, the keystroke entry using the fetched public key to generate an encrypted entry. The web browser may store the encrypted entry to memory. Importantly, the keystroke entry may never be stored to the memory of the web browser in an unencrypted form.
H04L 9/30 - Clé publique, c. à d. l'algorithme de chiffrement étant impossible à inverser par ordinateur et les clés de chiffrement des utilisateurs n'exigeant pas le secret
The embodiments described herein relate generally to securely establishing an account and authentication metrics associated with a communication platform. An account associated with a communication platform may allow a user associated with the account to send and receive communications via the communication platform.
G06K 19/06 - Supports d'enregistrement pour utilisation avec des machines et avec au moins une partie prévue pour supporter des marques numériques caractérisés par le genre de marque numérique, p.ex. forme, nature, code
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
38 - Services de télécommunications
Produits et services
(1) Downloadable computer software for managing electronic payment transactions; computer operating programs, recorded; recorded computer software platforms for managing electronic payment transactions; downloadable computer software platforms for managing electronic payment transactions; downloadable software in the nature of a mobile application for providing financial investment brokerage and trading of investments, securities, stocks, bonds, capital investments, commodities and equities; downloadable software in the nature of a mobile application for banking and cash management; downloadable software in the nature of a mobile application for providing information in the field of finance, securities trading, investments, securities brokerage, banking, cash management; downloadable software for generating cryptographic keys for receiving and spending cryptocurrency; downloadable computer software for use as an electronic wallet; downloadable computer software for managing and verifying cryptocurrency transactions; downloadable software for use as an electronic cryptocurrency wallet; electronic and magnetic ID cards for use in connection with payment for services; magnetic encoded cards for debit credit and stored value transactions; downloadable computer software, namely, electronic financial platform that accommodates multiple types of payment and debit transactions in an integrated mobile phone, PDA, and web based environment; downloadable computer software to enable searching of data; downloadable database management software; downloadable computer software for the provision of banking services; downloadable credit screening software; downloadable computer software for encryption; downloadable computer programs and computer software for electronic trading of securities; downloadable computer e-commerce software to allow users to perform electronic business transactions via a global computer network; downloadable computer firmware for managing electronic payment transactions; downloadable consumer coupons in electronic form; downloadable mobile application for use in personnel staffing and recruiting; downloadable computer software for use in identity verification, namely, for authenticating electronic signatures and personal identification information; downloadable electronic publications in the nature of books pamphlets, brochures, and magazines in the field of finance, financial investments, financial valuations, cryptocurrencies, blockchain technology and the trading of investments, namely, securities, stocks, bonds, commodities, equities and cryptocurrencies; computers; smartphones; smartwatches; downloadable software tools for searching financial mortgage regulations for purposes of complying with financial requirements; downloadable reports about financial mortgage compliance; (1) Online retail store services featuring a wide variety of consumer goods of others; online trading services, namely, operating online marketplaces for sellers and buyers of goods and/or service; data processing; data management; collection of data; computerized database and file management; compilation and systemization of data into computer databases; compilation and systemization of information into computer databases; data searches in computerized files for others; order fulfillment services; operating online marketplaces featuring a wide variety of consumer goods; sales promotion of products for third parties; seller services, namely, retail store services and distributorship services for a wide variety of consumer goods; online retail store services in the field of groceries, fresh and prepared foods, drug store and general merchandise; comparison shopping services; dissemination of advertising for others via the Internet;
(2) Insurance agency and brokerage; insurance services, namely, underwriting life, health, accident, and fire insurance; financial affairs, namely, providing financial information; financial services, namely, financial advice and consultancy services; monetary affairs, namely, providing monetary exchange; banking services; real estate agency and brokerage; money transfer services; bill payment services; money order services; cheque cashing services; debt collection services; electronic funds transfer services; transmission of money by electronic means from customers, namely, processing credit and debit card payments made by customers; electronic transfer of payments for consumers; credit card services, namely, processing of credit card payments; processing electronic payments made through prepaid cards; issuing gift certificates which may then be redeemed for goods or services; automated teller machine services; debit card services, namely, processing of debit card payments, debit card authorization services, issuing of debit cards, issuing of prepaid debit cards; issuing stored value cards; direct deposit of funds into customer bank accounts; automated financial clearing house deposit services; online auction payment and settlement services, namely, payment transaction processing services for online auctions; currency exchange services; real estate agency services; real estate management; investment management services; arranging of loans; mortgage banking; establishing mutual funds for others; stocks and bonds brokerage; trusteeship representatives; home banking; leasing of real estate; bail-bonding; brokerage; capital investment; cheque verification; financial clearing houses; credit bureau services; crowdfunding; debt advisory services; debt collection agency services; deposits of valuables, namely, safety deposit box services; processing of electronic wallet payments; electronic transfer of virtual currencies; exchanging money; financial analysis; financial appraisals, namely, appraisal of real estate, personal property, and automobiles; financial consultancy; financial customs brokerage services; financial evaluations; financial exchange of virtual currency; financial management; financial management of reimbursement payments for others; financial research; financial valuation of intellectual property assets; providing financial information; providing financial information via a web site; financing services; fiscal valuation; hire-purchase financing; lease-purchase financing; installment loans; insurance brokerage; insurance consultancy; providing insurance information; investment of funds; lending against security being securities lending; arranging of loans; organization of monetary collections, namely, collection agency services; online banking; processing of credit card payments; processing of debit card payments; provident fund services, namely, financial administration of employee retirement plans, financial retirement plan consulting services; real estate appraisal; real estate brokerage; providing rebates at participating establishments of others through use of a membership card; rent collection; retirement payment services, namely, financial administration of employee retirement plans; safe deposit box services; savings bank services; securities brokerage; stock brokerage services; stock exchange quotations; providing information in the fields of investment and finance over computer networks and global communication networks; financial information provided by electronic means in the field of finance, securities trading, investments, securities brokerage; electronic financial trading services; electronic financial trading services for others via a global computer network; electronic commodities, cryptocurrencies, and digital assets exchange services; providing financial services in the nature of providing an exchange for commodities and commodities derivatives, crypto currencies, and digital assets; providing online exchange of commodities and commodities derivatives, crypto currencies, and digital assets; providing information via a website in the field of commodities and commodity derivatives, crypto currencies, and digital assets pricing and related financial information; financial services in the nature of assisting others with the completion of financial transactions for commodities and commodity derivatives, crypto currencies, and digital assets; services relating to financial transactions, namely, trading of commodities and commodity derivatives, crypto currencies, and digital assets for others; providing financial brokerage services in the nature of offering, sponsoring, managing and administering commodities, commodity derivatives, crypto currencies, and digital assets and related financial instruments; surety services; issuance of tokens of value; issuance of travelers' checks; fiduciary representative services; compliance services, namely, analytical tools, models and reports for use in complying with regulations; providing cash, savings rewards and other rebates for the use of credit cards as part of a customer loyalty program;
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
38 - Services de télécommunications
Produits et services
(1) Downloadable computer software for managing electronic payment transactions; computer operating programs, recorded; recorded computer software platforms for managing electronic payment transactions; downloadable computer software platforms for managing electronic payment transactions; downloadable software in the nature of a mobile application for providing financial investment brokerage and trading of investments, securities, stocks, bonds, capital investments, commodities and equities; downloadable software in the nature of a mobile application for banking and cash management; downloadable software in the nature of a mobile application for providing information in the field of finance, securities trading, investments, securities brokerage, banking, cash management; downloadable software for generating cryptographic keys for receiving and spending cryptocurrency; downloadable computer software for use as an electronic wallet; downloadable computer software for managing and verifying cryptocurrency transactions; downloadable software for use as an electronic cryptocurrency wallet; electronic and magnetic ID cards for use in connection with payment for services; magnetic encoded cards for debit credit and stored value transactions; downloadable computer software, namely, electronic financial platform that accommodates multiple types of payment and debit transactions in an integrated mobile phone, PDA, and web based environment; downloadable computer software to enable searching of data; downloadable database management software; downloadable computer software for the provision of banking services; downloadable credit screening software; downloadable computer software for encryption; downloadable computer programs and computer software for electronic trading of securities; downloadable computer e-commerce software to allow users to perform electronic business transactions via a global computer network; downloadable computer firmware for managing electronic payment transactions; downloadable consumer coupons in electronic form; downloadable mobile application for use in personnel staffing and recruiting; downloadable computer software for use in identity verification, namely, for authenticating electronic signatures and personal identification information; downloadable electronic publications in the nature of books pamphlets, brochures, and magazines in the field of finance, financial investments, financial valuations, cryptocurrencies, blockchain technology and the trading of investments, namely, securities, stocks, bonds, commodities, equities and cryptocurrencies; computers; smartphones; smartwatches; downloadable software tools for searching financial mortgage regulations for purposes of complying with financial requirements; downloadable reports about financial mortgage compliance; (1) Online retail store services featuring a wide variety of consumer goods of others; online trading services, namely, operating online marketplaces for sellers and buyers of goods and/or service; data processing; data management; collection of data; computerized database and file management; compilation and systemization of data into computer databases; compilation and systemization of information into computer databases; data searches in computerized files for others; order fulfillment services; operating online marketplaces featuring a wide variety of consumer goods; sales promotion of products for third parties; seller services, namely, retail store services and distributorship services for a wide variety of consumer goods; online retail store services in the field of groceries, fresh and prepared foods, drug store and general merchandise; comparison shopping services; dissemination of advertising for others via the Internet;
(2) Insurance agency and brokerage; insurance services, namely, underwriting life, health, accident, and fire insurance; financial affairs, namely, providing financial information; financial services, namely, financial advice and consultancy services; monetary affairs, namely, providing monetary exchange; banking services; real estate agency and brokerage; money transfer services; bill payment services; money order services; cheque cashing services; debt collection services; electronic funds transfer services; transmission of money by electronic means from customers, namely, processing credit and debit card payments made by customers; electronic transfer of payments for consumers; credit card services, namely, processing of credit card payments; processing electronic payments made through prepaid cards; issuing gift certificates which may then be redeemed for goods or services; automated teller machine services; debit card services, namely, processing of debit card payments, debit card authorization services, issuing of debit cards, issuing of prepaid debit cards; issuing stored value cards; direct deposit of funds into customer bank accounts; automated financial clearing house deposit services; online auction payment and settlement services, namely, payment transaction processing services for online auctions; currency exchange services; real estate agency services; real estate management; investment management services; arranging of loans; mortgage banking; establishing mutual funds for others; stocks and bonds brokerage; trusteeship representatives; home banking; leasing of real estate; bail-bonding; brokerage; capital investment; cheque verification; financial clearing houses; credit bureau services; crowdfunding; debt advisory services; debt collection agency services; deposits of valuables, namely, safety deposit box services; processing of electronic wallet payments; electronic transfer of virtual currencies; exchanging money; financial analysis; financial appraisals, namely, appraisal of real estate, personal property, and automobiles; financial consultancy; financial customs brokerage services; financial evaluations; financial exchange of virtual currency; financial management; financial management of reimbursement payments for others; financial research; financial valuation of intellectual property assets; providing financial information; providing financial information via a web site; financing services; fiscal valuation; hire-purchase financing; lease-purchase financing; installment loans; insurance brokerage; insurance consultancy; providing insurance information; investment of funds; lending against security being securities lending; arranging of loans; organization of monetary collections, namely, collection agency services; online banking; processing of credit card payments; processing of debit card payments; provident fund services, namely, financial administration of employee retirement plans, financial retirement plan consulting services; real estate appraisal; real estate brokerage; providing rebates at participating establishments of others through use of a membership card; rent collection; retirement payment services, namely, financial administration of employee retirement plans; safe deposit box services; savings bank services; securities brokerage; stock brokerage services; stock exchange quotations; providing information in the fields of investment and finance over computer networks and global communication networks; financial information provided by electronic means in the field of finance, securities trading, investments, securities brokerage; electronic financial trading services; electronic financial trading services for others via a global computer network; electronic commodities, cryptocurrencies, and digital assets exchange services; providing financial services in the nature of providing an exchange for commodities and commodities derivatives, crypto currencies, and digital assets; providing online exchange of commodities and commodities derivatives, crypto currencies, and digital assets; providing information via a website in the field of commodities and commodity derivatives, crypto currencies, and digital assets pricing and related financial information; financial services in the nature of assisting others with the completion of financial transactions for commodities and commodity derivatives, crypto currencies, and digital assets; services relating to financial transactions, namely, trading of commodities and commodity derivatives, crypto currencies, and digital assets for others; providing financial brokerage services in the nature of offering, sponsoring, managing and administering commodities, commodity derivatives, crypto currencies, and digital assets and related financial instruments; surety services; issuance of tokens of value; issuance of travelers' checks; fiduciary representative services; compliance services, namely, analytical tools, models and reports for use in complying with regulations; providing cash, savings rewards and other rebates for the use of credit cards as part of a customer loyalty program;
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable computer software for managing electronic payment transactions; computer operating programs, recorded; recorded computer software platforms for managing electronic payment transactions; downloadable computer software platforms for managing electronic payment transactions; downloadable software in the nature of a mobile application for providing financial investment brokerage and trading of investments, securities, stocks, bonds, capital investments, commodities and equities; downloadable software in the nature of a mobile application for banking and cash management; downloadable software in the nature of a mobile application for providing information in the field of finance, securities trading, investments, securities brokerage, banking, cash management; downloadable software for generating cryptographic keys for receiving and spending cryptocurrency; downloadable computer software for use as an electronic wallet; downloadable computer software for managing and verifying cryptocurrency transactions; downloadable software for use as an electronic cryptocurrency wallet; electronic and magnetic ID cards for use in connection with payment for services; magnetic encoded cards for debit credit and stored value transactions; downloadable computer software, namely, electronic financial platform that accommodates multiple types of payment and debit transactions in an integrated mobile phone, PDA, and web based environment; downloadable computer software to enable searching of data; downloadable database management software; downloadable computer software for the provision of banking services; downloadable credit screening software; downloadable computer software for encryption; downloadable computer programs and computer software for electronic trading of securities; downloadable computer e-commerce software to allow users to perform electronic business transactions via a global computer network; downloadable computer firmware for managing electronic payment transactions; downloadable consumer coupons in electronic form; downloadable mobile application for use in personnel staffing and recruiting; downloadable computer software for use in identity verification, namely, for authenticating electronic signatures and personal identification information; downloadable electronic publications in the nature of books pamphlets, brochures, and magazines in the field of finance, financial investments, financial valuations, cryptocurrencies, blockchain technology and the trading of investments, namely, securities, stocks, bonds, commodities, equities and cryptocurrencies; computers; smartphones; smartwatches; downloadable software tools for searching financial mortgage regulations for purposes of complying with financial requirements; downloadable reports about financial mortgage compliance. Insurance agency and brokerage; insurance services, namely, underwriting life, health, accident, and fire insurance; financial affairs, namely, providing financial information; financial services, namely, financial advice and consultancy services; monetary affairs, namely, providing monetary exchange; banking services; real estate agency and brokerage; money transfer services; bill payment services; money order services; cheque cashing services; debt collection services; electronic funds transfer services; transmission of money by electronic means from customers, namely, processing credit and debit card payments made by customers; electronic transfer of payments for consumers; credit card services, namely, processing of credit card payments; processing electronic payments made through prepaid cards; issuing gift certificates which may then be redeemed for goods or services; automated teller machine services; debit card services, namely, processing of debit card payments, debit card authorization services, issuing of debit cards, issuing of prepaid debit cards; issuing stored value cards; direct deposit of funds into customer bank accounts; automated financial clearing house deposit services; on-line auction payment and settlement services, namely, payment transaction processing services for online auctions; currency exchange services; real estate agency services; real estate management; investment management services; arranging of loans; mortgage banking; establishing mutual funds for others; stocks and bonds brokerage; trusteeship representatives; home banking; leasing of real estate; bail-bonding; brokerage; capital investment; cheque verification; financial clearing houses; credit bureau services; crowdfunding; debt advisory services; debt collection agency services; deposits of valuables, namely, safety deposit box services; processing of electronic wallet payments; electronic transfer of virtual currencies; exchanging money; financial analysis; financial appraisals, namely, appraisal of real estate, personal property, and automobiles; financial consultancy; financial customs brokerage services; financial evaluations; financial exchange of virtual currency; financial management; financial management of reimbursement payments for others; financial research; financial valuation of intellectual property assets; providing financial information; providing financial information via a web site; financing services; fiscal valuation; hire-purchase financing; lease-purchase financing; installment loans; insurance brokerage; insurance consultancy; providing insurance information; investment of funds; lending against security being securities lending; organization of monetary collections, namely, collection agency services; online banking; processing of credit card payments; processing of debit card payments; provident fund services, namely, financial administration of employee retirement plans, financial retirement plan consulting services; real estate appraisal; real estate brokerage; providing rebates at participating establishments of others through use of a membership card; rent collection; retirement payment services, namely, financial administration of employee retirement plans; safe deposit box services; savings bank services; securities brokerage; stock brokerage services; stock exchange quotations; providing information in the fields of investment and finance over computer networks and global communication networks; financial information provided by electronic means in the field of finance, securities trading, investments, securities brokerage; electronic financial trading services; electronic financial trading services for others via a global computer network; electronic commodities, cryptocurrencies, and digital assets exchange services; providing financial services in the nature of providing an exchange for commodities and commodities derivatives, crypto currencies, and digital assets; providing online exchange of commodities and commodities derivatives, crypto currencies, and digital assets; providing information via a website in the field of commodities and commodity derivatives, crypto currencies, and digital assets pricing and related financial information; financial services in the nature of assisting others with the completion of financial transactions for commodities and commodity derivatives, crypto currencies, and digital assets; services relating to financial transactions, namely, trading of commodities and commodity derivatives, crypto currencies, and digital assets for others; providing financial brokerage services in the nature of offering, sponsoring, managing and administering commodities, commodity derivatives, crypto currencies, and digital assets and related financial instruments; surety services; issuance of tokens of value; issuance of travelers' checks; fiduciary representative services; compliance services, namely, analytical tools, models and reports for use in complying with regulations; providing cash, savings rewards and other rebates for the use of credit cards as part of a customer loyalty program. Providing online non-downloadable computer software for online banking and cash management.
23.
Network-based authentication rule cleaning and optimization
Techniques and systems for optimizing and cleaning rules for network-based authentication transactions are provided herein. A network-based authentication system may determine a plurality of rules that were previously used to evaluate a plurality of transactions. The network-based authentication system may also generate a false positive rate for one or more of the plurality of rules, A cleaning coefficient for a first rule of the plurality of rules may be generated by the network-based authentication system. Based on the cleaning coefficient and the false positive rate, the network-based authentication system may identify one or more rules from the plurality of rules to eliminate from the plurality of rules. The network-based authentication system may eliminate the one or more rules to generate a modified set of rules. Using the modified set of rules, the network-based authentication system may authenticate a network transaction.
Embodiments described herein relate generally to a multipurpose smartphone device. More specifically, embodiments described herein disclose a smartphone that is capable of being used as a point-of-sale (POS) device.
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06F 21/32 - Authentification de l’utilisateur par données biométriques, p.ex. empreintes digitales, balayages de l’iris ou empreintes vocales
G06K 7/14 - Méthodes ou dispositions pour la lecture de supports d'enregistrement par radiation corpusculaire utilisant la lumière sans sélection des longueurs d'onde, p.ex. lecture de la lumière blanche réfléchie
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 50/26 - Services gouvernementaux ou services publics
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable software for browsing and purchasing consumer goods; Computer software platforms for facilitating online transactions between sellers and buyers of consumer goods and services; Computer software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment; Downloadable computer software and mobile application software for use in disseminating advertising for others; downloadable computer software and mobile application software for use in providing retail and ordering services for a wide variety of consumer goods; search engine software; downloadable computer software and mobile application software for use in barcode scanning and price comparison; downloadable computer software and mobile application software for use in sharing information via e-mail, text message, and social media services about products, services, and deals; downloadable computer software and mobile application software for use in accessing online bulletin boards and for creating and accessing user-posted ratings, reviews and recommendations on products and services for commercial purposes; downloadable computer software and mobile application software for purchasing, accessing, and viewing movies, TV shows, videos and music; downloadable computer software and mobile application software for text, image and sound transmission and display; computer software for image and speech recognition; computer software for online shopping; computer software for facilitating payments and online transactions; computer software that provides retail and ordering services for a wide variety of consumer goods; computer software for use in disseminating advertising for others; Downloadable software for facilitating commercial transactions through electronic means via wireless networks, global computer networks and mobile telecommunication devices; Downloadable software for processing, facilitating, verifying, and authenticating mobile payments and contactless transactions with retailers, merchants, and vendors using a mobile device. Online retail store services in relation to clothing and clothing accessories, footwear, cellphones, tablets, computers, cameras, jewelry, furniture, home décor, food and beverages, fresh and prepared foods, dinnerware, cookware, and personal care products; On-line trading services, namely, operating on-line marketplaces for sellers and buyers of goods and/or service; Data processing; data management; collection of data; computerized database and file management; compilation and systemization of data into computer databases; compilation and systemization of information into computer databases; data searches in computerized files for others; Order fulfillment services; providing on-line marketplaces featuring a wide variety of consumer goods; sales promotion of products for third parties; online retail store services in relation to food and beverages, fresh and prepared foods, pharmaceutical products, personal care products, laundry detergents, and home cleaning products; comparison shopping services; Dissemination of advertising for others via the Internet. Gift card transaction processing services; credit card payment processing services; providing electronic processing of electronic payments; credit card transaction processing services provided via mobile applications and websites; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; e-commerce services, namely, credit card and payment card services and payment transaction processing services; payment processing services, namely, managing and tracking credit card, debit card, gift card, pre-paid card, deferred payment card, and other forms of payment transactions for business purposes; payment processing services, namely, issuing and providing receipts for electronic payments and payment transactions; bill payment services; providing a wide variety of payment services and providing financial services, namely, credit card processing and transmission of bills and payments thereof, conducted via a global computer network; financial services, namely, enabling transfer of funds for others via electronic communications networks; clearing and reconciling financial transactions via electronic communications networks; financial transactions authorization, authentication and settlement services, cash management services, namely, cash disbursement services and transaction authorization, authentication and settlement services; remote payment services; electronic payment and information management services; Electronic payment services, namely, enabling electronic processing and transmission of electronic funds transfer and payments via ACH, credit card, debit card, prepaid cards, wireless wallets, mobile wallets, electronic wallets, electronic check and electronic, mobile and online payments; Financial transaction services, namely, providing secure commercial transactions and payment options; Credit card and transaction processing terminal services using near field communication (NFC) technology. Electronic data storage; providing temporary use of non-downloadable computer software for creating and providing user access to searchable databases of information and data; providing temporary use of non-downloadable search engine software; providing temporary use of non-downloadable computer software for wireless content delivery; providing temporary use of non-downloadable computer software for accessing online information; providing temporary use of non-downloadable computer software for online shopping; providing temporary use of non-downloadable computer software for facilitating payments and online transactions; providing temporary use of non-downloadable computer software that provides retail and ordering services for a wide variety of consumer goods; providing temporary use of non-downloadable computer software for use in disseminating advertising for others; providing temporary use of non-downloadable computer software for disseminating information regarding consumer product discounts; providing temporary use of non-downloadable computer software for use in sharing information about products, services, and deals; providing temporary use of non-downloadable computer software for use in barcode scanning and price comparison; providing temporary use of non-downloadable computer software for scheduling shipping and deliveries; providing temporary use of non-downloadable computer software for electronic storage of data; providing temporary use of non-downloadable computer software for storing, organizing, editing and sharing photos; providing temporary use of non-downloadable computer software for image and speech recognition.
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable software for browsing and purchasing consumer goods; Downloadable Computer software platforms for facilitating online transactions between sellers and buyers of consumer goods and services; Downloadable Computer software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment; Downloadable computer software and mobile application software for use in disseminating advertising for others; downloadable computer software and mobile application software for use in providing retail and ordering services for a wide variety of consumer goods; Downloadable search engine software; downloadable computer software and mobile application software for use in barcode scanning and price comparison; downloadable computer software and mobile application software for use in sharing information via e-mail, text message, and social media services about products, services, and deals; downloadable computer software and mobile application software for use in accessing online bulletin boards and for creating and accessing user-posted ratings, reviews and recommendations on products and services for commercial purposes; downloadable computer software and mobile application software for purchasing, accessing, and viewing movies, TV shows, videos and music; downloadable computer software and mobile application software for text, image and sound transmission and display; Downloadable computer software for image and speech recognition; Downloadable computer software for online shopping; Downloadable computer software for facilitating payments and online transactions; Downloadable computer software that provides retail and ordering services for a wide variety of consumer goods; Downloadable computer software for use in disseminating advertising for others; Downloadable software for facilitating commercial transactions through electronic means via wireless networks, global computer networks and mobile telecommunication devices; Downloadable software for processing, facilitating, verifying, and authenticating mobile payments and contactless transactions with retailers, merchants, and vendors using a mobile device Online retail store services featuring a wide variety of consumer goods of others; On-line trading services, namely, operating on-line marketplaces for sellers and buyers of goods and services; Office functions in the nature of conducting data searches in computerized files for others; Order fulfillment services; operating on-line marketplaces featuring a wide variety of consumer goods; seller services, namely, retail store services and distributorship services for a wide variety of consumer goods; online retail store services in the field of groceries, fresh and prepared foods, drug store and general consumer merchandise; comparison shopping services Gift card transaction processing services; credit card payment processing services; providing electronic processing of electronic payments; credit card transaction processing services provided via mobile applications and websites; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; ecommerce services, namely, credit card and payment card services in the nature of payment transaction processing services for the processing of credit card payments; electronic payment processing services, namely, managing and tracking credit card, debit card, gift card, pre-paid card, deferred payment card, and other forms of payment transactions for business purposes; electronic payment processing services, namely, issuing and providing receipts for electronic payments and payment transactions; bill payment services provided through a website; providing payment services and financial services, namely, credit card processing and transmission of bills and payments thereof, conducted via a global computer network; financial services, namely, enabling transfer of funds for others via electronic communications networks; clearing and reconciling financial transactions via electronic communications networks; financial transactions services, namely, providing secure commercial transaction authorization, authentication and settlement services, cash management services, and cash disbursement services; Financial services, namely, electronic remote payment processing services for payments made via ACH, credit card, debit card, prepaid cards, wireless wallets, mobile wallets, electronic wallets, electronic check and electronic, mobile and online payments; Financial services, namely, electronic payment and financial information management services; Electronic payment services, namely, enabling electronic processing and transmission of electronic funds transfer and payments via ACH, credit card, debit card, prepaid cards, wireless wallets, mobile wallets, electronic wallets, electronic check and electronic, mobile and online payments; Financial transaction services, namely, providing secure commercial transactions and payment options; Credit card transaction processing services by means of customer-operated electronic terminals using near field communication (NFC) technology Electronic data storage; providing temporary use of online non-downloadable search engine software; providing temporary use of online non-downloadable computer software for wireless content delivery to handheld computers, laptops and mobile electronic devices; providing temporary use of online non-downloadable computer software for accessing online information in the field of financial transactions; providing temporary use of online non-downloadable computer software for online shopping; providing temporary use of online non-downloadable computer software for facilitating payments and online transactions; providing temporary use of online non-downloadable computer software that provides retail and ordering services for a wide variety of consumer goods; providing temporary use of online non-downloadable computer software for use in disseminating advertising for others in the field of financial transactions; providing temporary use of online non-downloadable computer software for disseminating information regarding consumer product discounts in the field of financial transactions; providing temporary use of online non-downloadable computer software for use in sharing information about products, services, and deals in the field of financial transactions; providing temporary use of online non-downloadable computer software for use in barcode scanning and price comparison; providing temporary use of online non-downloadable computer software for scheduling shipping and deliveries; providing temporary use of online non-downloadable computer software for electronic storage of data in the field of financial transactions; providing temporary use of online non-downloadable computer software for storing, organizing, editing and sharing photos; providing temporary use of online non-downloadable computer software for image and speech recognition
Embodiments described herein relate generally to network-based threat detection mechanisms. Specifically, embodiments described herein describe a communication mechanism that filters (e.g., allows or blocks) received communications according to an iterative security list.
Embodiments described herein relate generally to network-based threat detection mechanisms. Specifically, embodiments described herein describe a communication mechanism that filters (e.g., allows or blocks) received communications according to an iterative security list.
G06F 21/00 - Dispositions de sécurité pour protéger les calculateurs, leurs composants, les programmes ou les données contre une activité non autorisée
Various methods, systems, and devices are described for performing money transfers to one or more payees from one or more payors using a money transfer system. A party, such as a payor, a payee, or a third party may create a set of payee rules. The same or a different party may also create a set of payor rules. The payee rules may comprise conditions which, when satisfied, permit a payee to receive funds from a funds pool. The payor rules may comprise conditions which, when satisfied, permit a payor to provide funds to the funds pool. The money transfer system may determine whether requests from a payor and a payee comply with the payor rules and the payee rules, respectively. Based on the determination, the payor and/or payee may be permitted to complete their requested transaction, or their transaction may be denied.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
G06Q 50/00 - Systèmes ou procédés spécialement adaptés à un secteur particulier d’activité économique, p.ex. aux services d’utilité publique ou au tourisme
Embodiments disclosed herein relate generally to a customized or personalized GUI. More specifically, embodiments described herein disclose systems and process for deriving user preferences based upon previous actions of a set of users and using those user preferences to personalize one or more widgets within a GUI.
Systems, methods, and apparatuses for configuring a web application for global money transfers include a customer mobile device, a processor, and a memory having processor-readable instructions that cause the processor to collect data from a web application, whereby the web application is provided on the customer mobile device in operative communication with the host computer, and determine at least one of an optional field and a required field based on the collected data. The at least one optional field and required field may receive input for conducting a money transfer. The processor-readable instructions may cause the processor to send instructions to a user interface (“UI”) for the web application, whereby the instructions are indicative of the at least one optional field and required field, and configure the UI to display the at least one optional field and required field at the web application of the customer mobile device.
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
Produits et services
Computer software; computer operating programs, recorded; computer programs, downloadable; computer programs, recorded; computer software applications, downloadable; computer software platforms, recorded or downloadable; computer software, recorded; downloadable software in the nature of a mobile application for brokerage and trading of investments, securities, stocks, bonds, capital investments, commodities and equities; downloadable software in the nature of a mobile application for banking and cash management; downloadable software in the nature of a mobile application for providing information in the field of finance, securities trading, investments, securities brokerage, banking, cash management; downloadable cryptographic keys for receiving and spending cryptocurrency; downloadable e-wallets; downloadable computer software for managing and verifying cryptocurrency transactions; cryptocurrency wallets; mobile wallets, digital currencies; electronic wallets; electronic and magnetic ID cards for use in connection with payment for services; magnetic encoded cards for debit credit and stored value transactions; computer software, namely, electronic financial platform that accommodates multiple types of payment and debit transactions in an integrated mobile phone, PDA, and web based environment; computer software to enable searching of data; database management software; computer software for the provision of banking services; credit screening software; computer software for encryption; application software; computer application software for mobile phones; computer programs and computer software for electronic trading of securities; computer e-commerce software to allow users to perform electronic business transactions via a global computer network; computer firmware; consumer coupons in electronic form; mobile application for personnel staffing and recruiting; downloadable computer software for use in identity verification; electronic publications, downloadable; computers; smartphones; smartwatches. Insurance; insurance services; financial affairs; financial services; monetary affairs; banking services; real estate affairs; money transfer services; bill payment services; money order services; cheque cashing services; debt collection services; electronic funds transfer services; transmission of money by electronic means from customers; transfer of payments for consumers; credit card services; processing electronic payments made through prepaid cards; issuing gift certificates which may then be redeemed for goods or services; automated teller machine services; debit card services; issuing stored value cards; direct deposit of funds into customer bank accounts; automated financial clearing house deposit services and on-line auction payment and settlement services; currency exchange services; real estate agency services; real estate management; investment management services; arranging of loans; mortgage banking; mutual funds; stocks and bonds brokerage; trusteeship; home banking; leasing of real estate; bail-bonding; brokerage; capital investment; cheque verification; financial clearing houses; credit bureau services; crowdfunding; debt advisory services; debt collection agency services; deposits of valuables; e-wallet payment services; electronic transfer of virtual currencies; exchanging money; financial analysis; financial appraisals; financial consultancy; financial customs brokerage services; financial evaluations; financial exchange of virtual currency; financial management; financial management of reimbursement payments for others; financial research; financial sponsorship; financial valuation of intellectual property assets; providing financial information; providing financial information via a web site; fiscal valuation; hire-purchase financing; lease-purchase financing; installment loans; insurance brokerage; insurance consultancy; insurance underwriting; providing insurance information; investment of funds; lending against security; loans [financing]; organization of monetary collections; online banking; processing of credit card payments; processing of debit card payments; provident fund services; real estate appraisal; real estate brokerage; providing rebates at participating establishments of others through use of a membership card; rent collection; retirement payment services; safe deposit services; savings bank services; securities brokerage; stock brokerage services; stock exchange quotations; providing information in the fields of investment and finance over computer networks and global communication networks; financial information provided by electronic means in the field of finance, securities trading, investments, securities brokerage; electronic financial trading services; electronic financial trading services for others via a global computer network; electronic commodities, cryptocurrencies, and digital assets exchange services; providing financial services in the nature of providing an exchange for commodities and commodities derivatives, crypto currencies, and digital assets; providing online exchange services in the nature of online purchasing and selling of commodities and commodities derivatives, crypto currencies, and digital assets; providing online commodities and commodity derivatives, crypto currencies, and digital assets pricing and related financial information; financial services in the nature of assisting others with the completion of financial transactions for commodities and commodity derivatives, crypto currencies, and digital assets; services relating to financial transactions, namely, trading of commodities and commodity derivatives, crypto currencies, and digital assets; providing financial services in the nature of offering, sponsoring, managing and administering commodities, commodity derivatives, crypto currencies, and digital assets and related financial instruments; surety services; issuance of tokens of value; issuance of travelers' checks; fiduciary; compliance services, namely analytical tools and reports for use in complying with financial regulations; offering of cash and savings rewards and other rebates for the use of credit services as part of a customer loyalty program.
34.
Methods and systems for validating mobile devices of customers via third parties
A method for authenticating a mobile device in real-time. The method includes detecting the mobile device, sending a text message containing a unique uniform resource locator (“URL”) to the mobile device, and detecting an access of the unique URL by the mobile device through a first communication path. In response to detecting the access of the unique URL, requesting and subsequently receiving, by the host system in real-time, a phone number and a subscriber identification ID associated with the mobile device through a second communication path distinct from the first communication path, and a device fingerprint of the mobile device through the first communication path. The method further includes initiating a risk analysis based on the phone number, the subscriber ID, and the device fingerprint and determining an authentication status of the mobile device based on the risk analysis.
Systems and methods for identifying and mitigating non-compliances include determining an agent location of a money service business for review, obtaining a photograph and geographic coordinates of the agent location, and collecting field data at the agent location through a mobile application. Such information are sent from the mobile application to a central server of a third party vendor for a series of quality checks and stored at the central server. Such information may be used for further corrective action against the agent location reviewed.
G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
Techniques and systems for detecting malicious activity within a network are provided herein. A method for detecting malicious activity within a network may include receiving, by a network-based authentication system, a network transaction. The network-based authentication system may identify a first attribute of the network transaction. The method may also include selecting, by the network-based authentication system, a first learning statistical model and a second learning statistical model from a plurality of models for handling the network transaction. Each of the first learning statistical model and the second learning statistical model may create a likelihood that the network transaction is authentic. The first learning statistical model may calculate a first score and the second learning statistical score may calculate a second score. Based on a comparison of the first score to a first threshold and the second score to a second threshold, the network transaction may be authenticated.
Techniques and systems for determining a malicious derivative entity within a network are provided herein. A method for determining a malicious derivative entity may include receiving, by a network-based authentication system, a plurality of network transactions. A first attribute of a network transaction within the plurality of network transactions may be identified. The method may also include identifying a plurality of entities for the first attribute. The network-based authentication system may generate a first visual representation of a relationship between the first attribute and the plurality of derivative entities. Each of the derivative entities and the first attribute may be represented as nodes within the first visual representation. A first score for each of the nodes may be determined based on a degree of centrality of the nodes within the first visual representation. One network transaction may be blocked based on at least one node exceeding a first threshold.
This disclosure describes, generally, methods and systems for exchanging alternative currencies. The method includes creating, at an alternative currency platform, a plurality of user accounts and receiving, from a first user in the plurality of user accounts, an alternative currency exchange offer. The alternative currency exchange offer includes one or more offer terms and associated assets. Furthermore, the method includes extending the alternative currency exchange offer from the first user to the second user, in response to receiving acceptance of the offer from the second user, verifying the associated assets of the first user and the second user, and in response to verification of the assets of the first user and second user, providing settlement of the alternative currency exchange offer.
Systems and methods for conducting money transfer transactions are provided herein. The systems and methods may include receiving and storing reference fingerprint data associated with a first device. The reference fingerprint data can include reference device usage data corresponding to operation of the first device. Current fingerprint data associated with the first device can also be received. Based on a number of previous transactions performed using the first device, a matching threshold can be retrieved. Using the matching threshold, the current fingerprint data may be verified, thereby enabling the first device to conduct a transaction.
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
(1) Computer software; computer operating programs, recorded; computer programs, downloadable; computer programs, recorded; computer software applications, downloadable; computer software platforms, recorded and downloadable; computer software, recorded; downloadable cryptographic keys for receiving and spending cryptocurrency; downloadable e-wallets; electronic and magnetic ID cards for use in connection with payment for services; magnetic encoded cards for debit credit and stored value transactions; computer software, namely, electronic financial platform that accommodates multiple types of payment and debit transactions in an integrated mobile phone, PDA, and web based environment; computer software to enable searching of data; database management software; computer software for the provision of banking services; credit screening software; computer software for encryption; application software; computer application software for mobile phones; computer programs and computer software for electronic trading of securities; computer e-commerce software to allow users to perform electronic business transactions via a global computer network; computer firmware; consumer coupons in electronic form; electronic publications, downloadable; computers; smartphones; smartwatches; (1) Insurance; insurance services; financial affairs; financial services; monetary affairs; banking services; real estate affairs; money transfer services; bill payment services; money order services; cheque cashing services; debt collection services; electronic funds transfer services; transmission of money by electronic means from customers; transfer of payments for consumers; credit card services; processing electronic payments made through prepaid cards; issuing gift certificates which may then be redeemed for goods and services; automated teller machine services; debit card services; issuing stored value cards; direct deposit of funds into customer bank accounts; automated financial clearing house deposit services and on-line auction payment and settlement services; currency exchange services; real estate agency services; real estate management; investment management services; arranging of loans; mortgage banking; mutual funds; stocks and bonds brokerage; trusteeship; home banking; leasing of real estate; bail-bonding; brokerage; capital investment; cheque verification; financial clearing houses; credit bureau services; crowdfunding; debt advisory services; debt collection agency services; deposits of valuables; e-wallet payment services; electronic transfer of virtual currencies; exchanging money; financial analysis; financial appraisals; financial consultancy; financial customs brokerage services; financial evaluations; financial exchange of virtual currency; financial management; financial management of reimbursement payments for others; financial research; financial sponsorship; financial valuation of intellectual property assets; providing financial information; providing financial information via a web site; financing services; fiscal valuation; hire-purchase financing; lease-purchase financing; instalment loans; insurance brokerage; insurance consultancy; insurance underwriting; providing insurance information; investment of funds; lending against security; loans [financing]; organization of monetary collections; online banking; processing of credit card payments; processing of debit card payments; provident fund services; real estate affairs; real estate appraisal; real estate brokerage; providing rebates at participating establishments of others through use of a membership card; rent collection; retirement payment services; safe deposit services; savings bank services; securities brokerage; stock brokerage services; stock exchange quotations; stocks and bonds brokerage; surety services; issuance of tokens of value; issuance of travelers' checks; trusteeship; fiduciary; compliance services;
(2) Quality control and authentication services; design and development of computer hardware and software; computer programming; computer rental; computer security consultancy; computer software consultancy; computer software design; computer system analysis; computer system design; computer technology consultancy; rental of computer software; conversion of computer programs and data, other than physical conversion; conversion of data and documents from physical to electronic media; data encryption services; data security consultancy; development of computer platforms; duplication of computer programs; electronic data storage; electronic monitoring of credit card activity to detect fraud via the internet; electronic monitoring of personally identifying information to detect identity theft via the internet; information technology [IT] consultancy; providing information relating to computer technology and programming via a web site; installation of computer software; internet security consultancy; maintenance of computer software; monitoring of computer systems by remote access; monitoring of computer systems for detecting unauthorized access and data breach; monitoring of computer systems to detect breakdowns; platform as a service [PaaS]; software as a service [SaaS]; updating of computer software; user authentication services using single sign-on technology for online software applications; user authentication services using technology for e-commerce transactions; hosted software solution for use in compliance;
41.
Systems and methods for activating an authentication token within a communication platform
The embodiments described herein relate generally to securely establishing an account and authentication metrics associated with a communication platform. An account associated with a communication platform may allow a user associated with the account to send and receive communications via the communication platform.
G06K 19/06 - Supports d'enregistrement pour utilisation avec des machines et avec au moins une partie prévue pour supporter des marques numériques caractérisés par le genre de marque numérique, p.ex. forme, nature, code
09 - Appareils et instruments scientifiques et électriques
Produits et services
Computer software; computer operating programs, recorded; computer programs, downloadable; computer programs, recorded; computer software applications, downloadable; computer software platforms, recorded or downloadable; computer software, recorded; downloadable cryptographic keys for receiving and spending cryptocurrency; downloadable e-wallets; electronic and magnetic ID cards for use in connection with payment for services; magnetic encoded cards for debit, credit and stored value transactions; computer software, namely, electronic financial platform that accommodates multiple types of payment and debit transactions in an integrated mobile phone, PDA, and web based environment; computer software to enable searching of data; database management software; computer software for the provision of banking services; credit screening software; computer software for encryption; application software; computer application software for mobile phones; computer programs and computer software for electronic trading of securities; computer e-commerce software to allow users to perform electronic business transactions via a global computer network; computer firmware; consumer coupons in electronic form; electronic publications, downloadable; computers; smartphones; smartwatches.
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable computer software for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions computer operating programs, recorded; computer programs, downloadable for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; computer programs, recorded for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; computer software applications, downloadable for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; computer software platforms, recorded or downloadable for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; computer software, recorded for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; downloadable computer software for use as an electronic wallet; electronic and magnetic ID cards for use in connection with payment for services; magnetically encoded cards for debit, credit and stored value transactions; downloadable computer software, namely, electronic financial platform that accommodates multiple types of payment and debit transactions in an integrated mobile phone, PDA, and web based environment; downloadable computer software to enable searching of data; downloadable computer software for the provision of banking services; downloadable computer application software for mobile phones, portable media players, handheld computers and other mobile devices, namely, software for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payment transactions; downloadable computer application software for mobile phones, namely, software for use with financial services, namely, the management and maintenance of digital currency and electronic wallets, processing of electronic payments, and issuing receipts regarding mobile payments transactions; downloadable computer ecommerce software to allow users to perform electronic business transactions via a global computer network Monetary affairs, namely, monetary exchange operations, digital currency exchange operations; banking services; money transfer services; bill payment services; money order services; cheque cashing services; debt collection services; electronic funds transfer services; transmission of money by electronic means from customers; transfer of payments for consumers; credit card services, namely, credit card authorization services, credit card payment processing services, credit card transaction processing services; processing electronic payments made through prepaid cards; debit card services, namely, debit card transaction processing services, debit card authorization services, issuing of debit cards, issuing of prepaid debit cards, issuing stored value cards; direct deposit of funds into customer bank accounts; automated financial clearing house deposit services; currency exchange services; home banking; electronic wallet payment services, namely, processing of electronic wallet payments, bill payment services provided via an electronic wallet; electronic transfer of virtual currencies; exchanging money; financial exchange of virtual currency; organization of monetary collections, namely, accepting and administering monetary charitable contributions; online banking; processing of credit card payments; processing of debit card payments Platform as a service (PAAS) featuring computer software platforms for processing of payments and for processing of money transfers; software as a service (SAAS) services featuring software for processing of payments and for processing of money transfers; updating of computer software; user authentication services using single sign-on technology for online software applications; user authentication services using technology for e-commerce transactions; providing temporary use of online non-downloadable software for processing electronic payments; providing temporary use of online non-downloadable software for issuing receipts regarding mobile payment transactions
09 - Appareils et instruments scientifiques et électriques
16 - Papier, carton et produits en ces matières
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
38 - Services de télécommunications
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
(1) Computer software; computer operating programs, recorded; computer programs, downloadable; computer programs, recorded; computer software applications, downloadable; computer software platforms, recorded or downloadable; computer software, recorded; downloadable cryptographic keys for receiving and spending cryptocurrency; downloadable e-wallets; electronic and magnetic ID cards for use in connection with payment for services; magnetic encoded cards for debit credit and stored value transactions; computer software, namely, electronic financial platform that accommodates multiple types of payment and debit transactions in an integrated mobile phone, PDA, and web based environment; computer software to enable searching of data; database management software; computer software for the provision of banking services; credit screening software; computer software for encryption; application software; computer application software for mobile phones; computer programs and computer software for electronic trading of securities; computer e-commerce software to allow users to perform electronic business transactions via a global computer network; computer firmware; consumer coupons in electronic form; electronic publications, downloadable; computers; smartphones; smartwatches. (1) Insurance; insurance services; financial affairs; financial services; monetary affairs; banking services; real estate affairs; money transfer services; bill payment services; money order services; cheque cashing services; debt collection services; electronic funds transfer services ; transmission of money by electronic means from customers; transfer of payments for consumers; credit card services; processing electronic payments made through prepaid cards; issuing gift certificates which may then be redeemed for goods or services; automated teller machine services; debit card services; issuing stored value cards; direct deposit of funds into customer bank accounts; automated financial clearing house deposit services and on-line auction payment and settlement services; currency exchange services; real estate agency services; real estate management; investment management services; arranging of loans; mortgage banking; mutual funds; stocks and bonds brokerage; trusteeship; home banking; leasing of real estate; bail-bonding; brokerage; capital investment; cheque verification; financial clearing houses; credit bureau services; crowdfunding; debt advisory services; debt collection agency services; deposits of valuables; e-wallet payment services; electronic transfer of virtual currencies; exchanging money; financial analysis; financial appraisals; financial consultancy; financial customs brokerage services; financial evaluations; financial exchange of virtual currency; financial management; financial management of reimbursement payments for others; financial research; financial sponsorship; financial valuation of intellectual property assets; providing financial information; providing financial information via a web site; financing services; fiscal valuation; hire-purchase financing; lease-purchase financing; instalment loans; insurance brokerage; insurance consultancy; insurance underwriting; providing insurance information; investment of funds; lending against security; loans [financing]; organization of monetary collections; online banking; processing of credit card payments; processing of debit card payments; provident fund services; real estate affairs; real estate appraisal; real estate brokerage; providing rebates at participating establishments of others through use of a membership card; rent collection; retirement payment services; safe deposit services; savings bank services; securities brokerage; stock brokerage services; stock exchange quotations; stocks and bonds brokerage; surety services; issuance of tokens of value; issuance of travelers' checks; trusteeship; fiduciary; compliance services
(2) Quality control and authentication services; design and development of computer hardware and software; computer programming; computer rental; computer security consultancy; computer software consultancy; computer software design; computer system analysis; computer system design; computer technology consultancy; rental of computer software; conversion of computer programs and data, other than physical conversion; conversion of data or documents from physical to electronic media; data encryption services; data security consultancy; development of computer platforms; duplication of computer programs; electronic data storage; electronic monitoring of credit card activity to detect fraud via the internet; electronic monitoring of personally identifying information to detect identity theft via the internet; information technology [IT] consultancy; providing information relating to computer technology and programming via a web site; installation of computer software; internet security consultancy; maintenance of computer software; monitoring of computer systems by remote access; monitoring of computer systems for detecting unauthorized access or data breach; monitoring of computer systems to detect breakdowns; platform as a service [PaaS]; software as a service [SaaS]; updating of computer software; user authentication services using single sign-on technology for online software applications; user authentication services using technology for e-commerce transactions; hosted software solution for use in compliance
A method includes establishing a first funds transfer account associated with a first device and a second funds transfer account with a second device, funding at least the first fund account, and selecting the second device as the recipient of a funds transfer from the first device. The method further includes sending a communications link request from the first device to the second device and receiving acceptance of the communications link request from the second device. The method then establishes a communications link between the first device and the second device, initiates a funds transfer from the first device to the second device, wherein the amount is designated at the first device, and verifies the funds transfer amount, the first funds transfer account, and the second funds transfer account. Then, the method transfers the amount to the second funds transfer account associated with second device.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
G06Q 40/04 - Transactions; Opérations boursières, p.ex. actions, marchandises, produits dérivés ou change de devises
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
Systems and methods are disclosed for conducting transactions and financial transfers utilizing a mobile device communicatively coupled with a mobile communications network and executing a mobile point-of-sale application. According to some embodiments, the mobile point-of-sale application is adapted to conduct money transfer transactions by communicating transaction information through the mobile communications network to a money transfer provider system that processes the money transfer and communicates receipt information to the mobile point-of-sale application. Additionally, according to some embodiments, an account associated with an agent of the money transfer provider can be used in money transfer transactions conducted by the mobile point-of-sale application.
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
47.
Methods and systems for improving disclosure requirement compliance
Systems and methods for bypassing a print dialog box that indicates a print confirmation, a prompt message, or a page preview, by employing a background print applet. The systems and methods may include detecting a print content to be printed by a printer, identifying one or more features of the print content, and determining one or more print settings based on the identified one or more features. The systems and methods may further include initiating the print content to be printed by the printer based on the determined print settings, whereby initiating the print content includes bypassing the print dialog box.
A method for identifying a funds transfer opportunity in an electronic media accessed by a mobile device may include monitoring the electronic media for the funds transfer opportunity, identifying the funds transfer opportunity in the electronic media, and outputting indication for the funds transfer opportunity in the electronic media. The method may further include receiving confirmation to instantiate a funds transfer based on the indicated funds transfer opportunity on the mobile device and instantiating the funds transfer based on the received confirmation.
According to the invention, a method for transferring funds from a sender to a pre-paid account to be assigned to a recipient is disclosed. The method may include receiving a request to perform a funds transfer, including an amount and a recipient, and determining whether to approve the request. Upon approval, the method may include selecting a first and second money transfer control number (MTCN). The method may include recording an association of the amount and the recipient with the first MTCN, and an association of the two MTCN's. The method may include sending the second MTCN out and later receiving a request to redeem which includes the second MTCN. The method may include determining the first MTCN based on the second MTCN, and whether to approve the request. Upon approval, an indication may be sent that the amount is available for funding of the pre-paid account of the recipient.
09 - Appareils et instruments scientifiques et électriques
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Magnetic payment cards; Electronic chip cards; Electronic and magnetic ID cards for use in connection with payment for services; Computer software applications, downloadable; Computer software relating to the handling of financial transactions; Computer programmes relating to financial matters; E-payment software. Providing temporary use of on-line non-downloadable software for processing electronic payments; Providing temporary use of non-downloadable software for analyzing financial data and generating reports; Providing temporary use of on-line non-downloadable software for the transmission of data; Providing temporary use of on-line non-downloadable operating software for accessing and using a cloud computing network; Computer software programming services; Software design and development; Updating of computer software; Support and maintenance services for computer software.
36 - Services financiers, assurances et affaires immobilières
Produits et services
Financing services; Insurance underwriting; Banking; Money transfer; Funds transfer services; Bill payment services; Money ordering services; Financial services relating to credit cards; Payment card services; Issuing of payment gift cards; Automated telling machine services; Bank card services; Issuing stored value cards; Issue of tokens, coupons and vouchers of value; Deposit services; Deposit accounts services; Banking services relating to the deposit of money; Clearing, financial; Bankers clearing house services; Payment processing; Collection of payments; Processing of electronic payments; Financial transfers and transactions, and payment services.
52.
Consumer due diligence for money transfer systems and methods
A method of transferring money from a sender to a recipient using a third party money transfer service a point of sale device receiving transaction details for a requested money transfer; determining whether the requested transaction is an allowable transaction; and either aborting the transaction; attempting to identify the sender as an existing customer using the transaction details; using the sender's transaction history and the transaction details to determine whether to allow the requested transaction to proceed. If the requested transaction is allowed to proceed, the method includes creating a money transfer record for the requested transaction; associating a money transfer control number to the money transfer record; and using the transaction details to determine whether to monitor the requested transaction.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte
53.
System, manufacture, and method for performing transactions similar to previous transactions
According to the invention, a method for initiating a similar transaction to one previously initiated by a user is disclosed. The method may include sending a digital receipt for a first transaction to a user. The method may also include determining reminder information, where the reminder information indicates a future time or frequency. The method may further include sending to the user, upon occurrence of the future time or frequency, a digital reminder which includes an interactive element. The method may additionally include receiving an indication that the user has interacted with the interactive element, and initiating a second transaction having a characteristic in common with the first transaction based on the indication.
A card number and an address are requested from a customer at a POS device. An AVS system compares the customer-provided address against a billing address or record for the card that is maintained by a card issuer. If the address provided by the customer matches the billing address of record, a second card number is requested from customer. That second card number is sent to the AVS system and the billing address stored by the issuer for the second card number is also checked against the address provided by the customer.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
A method of implementing collaborative funds transfer includes receiving, by a host computer system, from an entity a collaborative funds transfer request for a relief effort to be executed within a collaborative environment. The methods further includes verifying, by the host computer system, validity of the entity, receiving funds provided to the entity via the collaborative environment, reviewing services offered within the collaborative environment, reviewing communications regarding the funds transfer within the collaborative environment, and transferring the funds to the entity.
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
G06Q 40/04 - Transactions; Opérations boursières, p.ex. actions, marchandises, produits dérivés ou change de devises
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
56.
Integration framework and user interface for embedding transfer services into applications
Techniques are disclosed for providing secure transaction functionality embedded into host applications executing on transaction client devices, using an integration framework and user interfaces. A transaction server may be configured to receive initial transaction sender and receiver data from an integrated software component executing within a host software application on a transaction client device. After receiving the initial transaction sender and receiver data from the integrated software component, the transaction server may determine transaction sender and transaction recipient locations, and may select a particular transaction user interface based on the sender and recipient location data. Particular transaction user interface also may be determined based on specific host applications. After determining the particular transaction user interface, the interface may be transmitted to the transaction client device, for example, via a content delivery network.
G06F 15/16 - Associations de plusieurs calculateurs numériques comportant chacun au moins une unité arithmétique, une unité programme et un registre, p.ex. pour le traitement simultané de plusieurs programmes
H04L 67/568 - Stockage temporaire des données à un stade intermédiaire, p.ex. par mise en antémémoire
H04L 67/60 - Ordonnancement ou organisation du service des demandes d'application, p.ex. demandes de transmission de données d'application en utilisant l'analyse et l'optimisation des ressources réseau requises
H04L 67/06 - Protocoles spécialement adaptés au transfert de fichiers, p.ex. protocole de transfert de fichier [FTP]
H04L 67/1097 - Protocoles dans lesquels une application est distribuée parmi les nœuds du réseau pour le stockage distribué de données dans des réseaux, p.ex. dispositions de transport pour le système de fichiers réseau [NFS], réseaux de stockage [SAN] ou stockage en réseau [NAS]
A method for authenticating a mobile device in real-time. The method includes detecting the mobile device, sending a text message containing a unique uniform resource locator (“URL”) to the mobile device, and detecting an access of the unique URL by the mobile device through a first communication path. In response to detecting the access of the unique URL, requesting and subsequently receiving, by the host system in real-time, a phone number and a subscriber identification ID associated with the mobile device through a second communication path distinct from the first communication path, and a device fingerprint of the mobile device through the first communication path. The method further includes initiating a risk analysis based on the phone number, the subscriber ID, and the device fingerprint and determining an authentication status of the mobile device based on the risk analysis.
Various methods, systems, and devices are described for performing money transfers to one or more payees from one or more payors using a money transfer system. A party, such as a payor, a payee, or a third party may create a set of payee rules. The same or a different party may also create a set of payor rules. The payee rules may comprise conditions which, when satisfied, permit a payee to receive funds from a funds pool. The payor rules may comprise conditions which, when satisfied, permit a payor to provide funds to the funds pool. The money transfer system may determine whether requests from a payor and a payee comply with the payor rules and the payee rules, respectively. Based on the determination, the payor and/or payee may be permitted to complete their requested transaction, or their transaction may be denied.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
59.
Equipment to facilitate money transfers into bank accounts
Systems and methods for transferring money to a bank account are provided. Transactional information, which includes information on a bank account that is to receive the money, may be transmitted to a host computer system from a point of sale device. The transaction information may be stored at the host computer system. At least some of the transaction information may be sent to an intermediary computer system that is configured to interact with a plurality of banking networks in different countries. The intermediary computer system may also determine which one of the banking networks is associated with the bank account that is to receive the money. A request may be transmitted from the intermediary computer network to a local banking network and includes information on the bank account that is to receive the money and an amount of money to deposit. The bank account may then be credited.
Systems and methods are disclosed for conducting transactions and financial transfers utilizing a mobile device communicatively coupled with a mobile communications network and executing a mobile point-of-sale application. According to some embodiments, the mobile point-of-sale application is adapted to conduct money transfer transactions by communicating transaction information through the mobile communications network to a money transfer provider system that processes the money transfer and communicates receipt information to the mobile point-of-sale application. Additionally, according to some embodiments, an account associated with an agent of the money transfer provider can be used in money transfer transactions conducted by the mobile point-of-sale application.
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail
The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
G06Q 50/00 - Systèmes ou procédés spécialement adaptés à un secteur particulier d’activité économique, p.ex. aux services d’utilité publique ou au tourisme
According to the invention, a system for performing a money transfer between a sender an a recipient through the use of an augmented reality device is disclosed. The system may include a first mobile device associated with a first entity. The first mobile device may be configured to detect an indicator via an augmented reality subsystem. The indicator may include a characteristic and be associated with a second entity, as well as be configured to associate meta-information with the indicator. The first mobile device may further be configured to receive an input comprising an amount to be transferred from the first entity to the second entity and transmit a set of instructions to a money transfer network. The set of instructions may be based in part on the indicator and the input, and include instructions to perform a money transfer between the first entity and the second entity.
G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte
G06K 7/08 - Méthodes ou dispositions pour la lecture de supports d'enregistrement avec des moyens de perception des modifications d'un champ électrostatique ou magnétique, p.ex. par perception des modifications de la capacité entre des électrodes
G06K 19/07 - Supports d'enregistrement avec des marques conductrices, des circuits imprimés ou des éléments de circuit à semi-conducteurs, p.ex. cartes d'identité ou cartes de crédit avec des puces à circuit intégré
A system and method for conducting money transfer transactions using mobile devices includes a money transfer host computer that facilitates the collection of fingerprint data for the mobile devices and personal data for users of the mobile devices. The personal data can include a user photo. In order to enable the mobile devices, both the fingerprint data and the personal data are collected, and at least the personal data is verified. To authorize transactions at an enabled mobile device, the fingerprint data and personal data are compared to reference data, and based on the comparison and on a threshold established for the comparison, a transaction is authorized or rejected.
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
65.
Data coordination with a mobile wallet application
A method for coordinating data with a mobile wallet application on a mobile device is provided. The method may include receiving an instruction to add a digital card to a digital wallet, where the instruction includes an identifier of a transaction between a sending entity and a receiving entity facilitated by an intermediate entity. The method may also include receiving from the intermediate entity, status information associated with the digital card, which includes information associated with the transaction. The method may further include providing at least a portion of the status information to a secondary application. The method may additionally include receiving a selection of the digital card. The method may moreover include causing a tertiary application to execute based at least in part on the selection. The method may furthermore include sending to the tertiary application the identifier or at least some portion of the status information.
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
66.
Methods and systems for establishing identity confidence database
The invention provides various systems and methods for establishing an identity confidence scoring system. The method includes gathering identity information about the customers from physical locations and from remote locations. The method updates the identity profiles with the gathered identity information, and based on the gathered identity information, generates an identity confidence score associated with each identity profile.
G06Q 50/26 - Services gouvernementaux ou services publics
G06Q 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds
G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
67.
Image capture for identity verification and recordation
Methods for capturing an image for identity verification and recordation are provided. The methods may include receiving, at a specialized processing device, transfer data from a remote terminal. The methods may include determining, based on the transfer data, that an identity verification process is required to execute the transfer data. The methods may include sending, based on a determination that the identity verification process is required, a first image file to the terminal for display. The methods may include receiving from a mobile device, information derived from the first image file which identifies the transfer data and a second image file. The methods may include determining, whether the second image file meets a predefined criteria associated with the transfer data identified by the information derived from the first image file. The methods may include sending an authorization signal upon determining that the second image file meets the criteria.
G06K 9/22 - Obtention de l'image en utilisant des instruments déplacés manuellement
H04N 7/18 - Systèmes de télévision en circuit fermé [CCTV], c. à d. systèmes dans lesquels le signal vidéo n'est pas diffusé
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
G06F 16/51 - Indexation; Structures de données à cet effet; Structures de stockage
G06F 16/583 - Recherche caractérisée par l’utilisation de métadonnées, p.ex. de métadonnées ne provenant pas du contenu ou de métadonnées générées manuellement utilisant des métadonnées provenant automatiquement du contenu
G06K 9/18 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales utilisant des caractères imprimés pourvus de marques de codage additionnelles ou comportant des marques de codage, p.ex. le caractère étant composé de barres distinctes de formes différentes, chacune représentant une valeur de code différente
Systems and methods for bypassing a print dialog box that indicates a print confirmation, a prompt message, or a page preview, by employing a background print applet. The systems and methods may include detecting a print content to be printed by a printer, identifying one or more features of the print content, and determining one or more print settings based on the identified one or more features. The systems and methods may further include initiating the print content to be printed by the printer based on the determined print settings, whereby initiating the print content includes bypassing the print dialog box.
Techniques described herein relate to generating graph-oriented data structures based on cross-channel multi-user transaction and/or interaction data from one or more data sources, Additional techniques relate to analyzing and processing transactions using the graph-oriented data structures. Transaction data may be received from various data sources, and analyzed to determine subsets of the transaction data relating to interactions between specific pairs of users. Graph-oriented data structures may be generated based on the subsets of transaction data relating to the specific pairs of users, and may be used to analyze and process transaction requests.
H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
G06F 13/16 - Gestion de demandes d'interconnexion ou de transfert pour l'accès au bus de mémoire
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06F 9/46 - Dispositions pour la multiprogrammation
71.
Methods and systems for validating mobile devices of customers via third parties
A method for authenticating a mobile device in real-time. The method includes detecting the mobile device, sending a text message containing a unique uniform resource locator (“URL”) to the mobile device, and detecting an access of the unique URL by the mobile device through a first communication path. In response to detecting the access of the unique URL, requesting and subsequently receiving, by the host system in real-time, a phone number and a subscriber identification ID associated with the mobile device through a second communication path distinct from the first communication path, and a device fingerprint of the mobile device through the first communication path. The method further includes initiating a risk analysis based on the phone number, the subscriber ID, and the device fingerprint and determining an authentication status of the mobile device based on the risk analysis.
According to the invention, a method for initiating a similar transaction to one previously initiated by a user is disclosed. The method may include sending a digital receipt for a first transaction to a user. The method may also include determining reminder information, where the reminder information indicates a future time or frequency. The method may further include sending to the user, upon occurrence of the future time or frequency, a digital reminder which includes an interactive element. The method may additionally include receiving an indication that the user has interacted with the interactive element, and initiating a second transaction having a characteristic in common with the first transaction based on the indication.
A method of transferring money from a sender to a recipient using a third party money transfer service a point of sale device receiving transaction details for a requested money transfer; determining whether the requested transaction is an allowable transaction; and either aborting the transaction; attempting to identify the sender as an existing customer using the transaction details; using the sender's transaction history and the transaction details to determine whether to allow the requested transaction to proceed. If the requested transaction is allowed to proceed, the method includes creating a money transfer record for the requested transaction; associating a money transfer control number to the money transfer record; and using the transaction details to determine whether to monitor the requested transaction.
G06Q 20/00 - Architectures, schémas ou protocoles de paiement
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte
The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.
A method includes establishing a first funds transfer account associated with a first device and a second funds transfer account with a second device, funding at least the first fund account, and selecting the second device as the recipient of a funds transfer from the first device. The method further includes sending a communications link request from the first device to the second device and receiving acceptance of the communications link request from the second device. The method then establishes a communications link between the first device and the second device, initiates a funds transfer from the first device to the second device, wherein the amount is designated at the first device, and verifies the funds transfer amount, the first funds transfer account, and the second funds transfer account. Then, the method transfers the amount to the second funds transfer account associated with second device.
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
G06Q 40/04 - Transactions; Opérations boursières, p.ex. actions, marchandises, produits dérivés ou change de devises
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
According to the invention, a system for providing payments to a point of sale device is disclosed. The system may include a mobile device having a storage medium, an input device, a wireless transmission device, and a processor. The storage medium may include individual authentication information and device authentication information. The input device may be configured to receive an input. The wireless transmission device may be configured to selectively transmit the device authentication information to a nearby point of sale device. The processor may be configured to compare the input with the individual authentication information, and activate the wireless transmission device to transmit the device authentication information if the input is correlated with the individual authentication information.
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
Techniques are disclosed for providing secure transaction functionality embedded into host applications executing on transaction client devices, using an integration framework and user interfaces. A transaction server may be configured to receive initial transaction sender and receiver data from an integrated software component executing within a host software application on a transaction client device. After receiving the initial transaction sender and receiver data from the integrated software component, the transaction server may determine transaction sender and transaction recipient locations, and may select a particular transaction user interface based on the sender and recipient location data. Particular transaction user interface also may be determined based on specific host applications. After determining the particular transaction user interface, the interface may be transmitted to the transaction client device, for example, via a content delivery network.
G06F 15/16 - Associations de plusieurs calculateurs numériques comportant chacun au moins une unité arithmétique, une unité programme et un registre, p.ex. pour le traitement simultané de plusieurs programmes
H04L 29/08 - Procédure de commande de la transmission, p.ex. procédure de commande du niveau de la liaison
H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
78.
Methods and systems for real-time identification and mitigation of agent risks relating to AML
Systems and methods for identifying and mitigating non-compliances include determining an agent location of a money service business for review, obtaining a photograph and geographic coordinates of the agent location, and collecting field data at the agent location through a mobile application. Such information are sent from the mobile application to a central server of a third party vendor for a series of quality checks and stored at the central server. Such information may be used for further corrective action against the agent location reviewed.
G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
Techniques described herein relate to analyzing location-based transaction systems, based on data from multiple client devices detected and received via multiple communication networks, and providing customized data to client devices associated with particular locations and/or users of the transaction system. The characteristics of a transaction system and/or specific client locations of the transaction system may be determined, based on data received from multiple client devices. A back-end system may receive data from one or more digital kiosk systems associated with particular locations in a transaction system network, various mobile computing devices of users, and client computers within the transaction system. One or more back-end servers may analyze the data to determine various characteristics of the transaction system and/or characteristics of one or more particular locations in the transaction system network.
G06Q 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
H04W 4/02 - Services utilisant des informations de localisation
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
80.
Systems and methods for implementing global money transfers
Systems, methods, and apparatuses for configuring a web application for global money transfers include a customer mobile device, a processor, and a memory having processor-readable instructions that cause the processor to collect data from a web application, whereby the web application is provided on the customer mobile device in operative communication with the host computer, and determine at least one of an optional field and a required field based on the collected data. The at least one optional field and required field may receive input for conducting a money transfer. The processor-readable instructions may cause the processor to send instructions to a user interface (“UI”) for the web application, whereby the instructions are indicative of the at least one optional field and required field, and configure the UI to display the at least one optional field and required field at the web application of the customer mobile device.
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
81.
Methods and systems for improving disclosure requirement compliance
Systems and methods for bypassing a print dialog box that indicates a print confirmation, a prompt message, or a page preview, by employing a background print applet. The systems and methods may include detecting a print content to be printed by a printer, identifying one or more features of the print content, and determining one or more print settings based on the identified one or more features. The systems and methods may further include initiating the print content to be printed by the printer based on the determined print settings, whereby initiating the print content includes bypassing the print dialog box.
A method for identifying a funds transfer opportunity in an electronic media accessed by a mobile device may include monitoring the electronic media for the funds transfer opportunity, identifying the funds transfer opportunity in the electronic media, and outputting indication for the funds transfer opportunity in the electronic media. The method may further include receiving confirmation to instantiate a funds transfer based on the indicated funds transfer opportunity on the mobile device and instantiating the funds transfer based on the received confirmation.
Systems and methods for bypassing a print dialog box that indicates a print confirmation, a prompt message, or a page preview, by employing a background print applet. The systems and methods may include detecting a print content to be printed by a printer, identifying one or more features of the print content, and determining one or more print settings based on the identified one or more features. The systems and methods may further include initiating the print content to be printed by the printer based on the determined print settings, whereby initiating the print content includes bypassing the print dialog box.
A method for authenticating a mobile device in real-time. The method includes detecting the mobile device, sending a text message containing a unique uniform resource locator (“URL”) to the mobile device, and detecting an access of the unique URL by the mobile device through a first communication path. In response to detecting the access of the unique URL, requesting and subsequently receiving, by the host system in real-time, a phone number and a subscriber identification ID associated with the mobile device through a second communication path distinct from the first communication path, and a device fingerprint of the mobile device through the first communication path. The method further includes initiating a risk analysis based on the phone number, the subscriber ID, and the device fingerprint and determining an authentication status of the mobile device based on the risk analysis.
Systems and methods for collecting biometrically secured financial form data from a user are described. A user input device may receive biometric data from the user. The user may be presented with a visual medium. The visual medium may contain a plurality of fields for information necessary to conduct a financial transaction. Handwriting data may be received from the user. At least a portion of the handwriting may represent information corresponding to the plurality of fields for information necessary to conduct the financial transaction. At least a portion of the information corresponding to the plurality of fields for information necessary to conduct the financial transaction may be transmitted from the user input device to a computer system.
G06F 3/033 - Dispositifs de pointage déplacés ou positionnés par l'utilisateur; Leurs accessoires
G06F 3/0354 - Dispositifs de pointage déplacés ou positionnés par l'utilisateur; Leurs accessoires avec détection des mouvements relatifs en deux dimensions [2D] entre le dispositif de pointage ou une partie agissante dudit dispositif, et un plan ou une surface, p.ex. souris 2D, boules traçantes, crayons ou palets
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G10L 17/00 - Identification ou vérification du locuteur
G06F 3/0488 - Techniques d’interaction fondées sur les interfaces utilisateur graphiques [GUI] utilisant des caractéristiques spécifiques fournies par le périphérique d’entrée, p.ex. des fonctions commandées par la rotation d’une souris à deux capteurs, ou par la nature du périphérique d’entrée, p.ex. des gestes en fonction de la pression exer utilisant un écran tactile ou une tablette numérique, p.ex. entrée de commandes par des tracés gestuels
Various methods, systems, and devices are described for performing money transfers to one or more payees from one or more payors using a money transfer system. A party, such as a payor, a payee, or a third party may create a set of payee rules. The same or a different party may also create a set of payor rules. The payee rules may comprise conditions which, when satisfied, permit a payee to receive funds from a funds pool. The payor rules may comprise conditions which, when satisfied, permit a payor to provide funds to the funds pool. The money transfer system may determine whether requests from a payor and a payee comply with the payor rules and the payee rules, respectively. Based on the determination, the payor and/or payee may be permitted to complete their requested transaction, or their transaction may be denied.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.
Systems and methods are disclosed for conducting transactions and financial transfers utilizing a mobile device communicatively coupled with a mobile communications network and executing a mobile point-of-sale application. According to some embodiments, the mobile point-of-sale application is adapted to conduct money transfer transactions by communicating transaction information through the mobile communications network to a money transfer provider system that processes the money transfer and communicates receipt information to the mobile point-of-sale application. Additionally, according to some embodiments, an account associated with an agent of the money transfer provider can be used in money transfer transactions conducted by the mobile point-of-sale application.
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/00 - Architectures, schémas ou protocoles de paiement
A money transfer authorization method that includes the step of providing transferor biometric information to a party verification processor that verifies an identity of the transferor by comparing the transferor biometric information with previously registered biometric information from the transferor, where the transferor provides transfer identity information to receive the money. The method also includes confirming that the verified transferor has sufficient funds or credit for the money transfer, and providing transferee biometric identification to the party verification processor that verifies the transferee by comparing the transferee biometric information with previously registered biometric information from the transferee. The transferee has to provide transfer identity information before the money is given to the transferee.
G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
90.
Systems and methods for transferring funds to a pre-paid account
According to the invention, a method for transferring funds from a sender to a pre-paid account to be assigned to a recipient is disclosed. The method may include receiving a request to perform a funds transfer, including an amount and a recipient, and determining whether to approve the request. Upon approval, the method may include selecting a first and second money transfer control number (MTCN). The method may include recording an association of the amount and the recipient with the first MTCN, and an association of the two MTCN's. The method may include sending the second MTCN out and later receiving a request to redeem which includes the second MTCN. The method may include determining the first MTCN based on the second MTCN, and whether to approve the request. Upon approval, an indication may be sent that the amount is available for funding of the pre-paid account of the recipient.
Financial instruments are produced at a remote location by a 3D printer. In one embodiment, a request is made for a financial instrument, such as a prepaid gift instrument, by user system(s) at the remote location(s). The user system(s) may be at one or more of a retailer location, a money transfer agent location, or an instrument holder or recipient location (such as at an instrument holder/recipient's residence). An instrument issuer may transmit a print file to a user system which may in turn provide the print file to the 3D printer in order to produce the instrument. At least of a portion of the print file may be rendered unusable at the user system after being provided to or used by the 3D printer, in order to prevent use of the print file to produce unauthorized copies of the instrument.
B29C 64/393 - Acquisition ou traitement de données pour la fabrication additive pour la commande ou la régulation de procédés de fabrication additive
B33Y 50/00 - Acquisition ou traitement de données pour la fabrication additive
B33Y 80/00 - Produits obtenus par fabrication additive
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
A method for transferring money may include providing a money transfer instrument having product information and a monetary value associated therewith. The method may also include capturing the product information by a POS terminal in response to the sender purchasing the money transfer instrument. The method may further include generating and issuing a personal identifier to the sender on a receipt printed at the POS terminal. The method may additionally include receiving from the sender money transfer information along with the personal identifier. The method may moreover include generating and transmitting to the sender a money transfer control identifier that is separate from the personal identifier. The method may furthermore include receiving from the recipient the money transfer control identifier to receive transferred money at a money transfer location.
G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G07F 7/02 - Mécanismes actionnés par des objets autres que des pièces de monnaie pour déclencher ou actionner des appareils de vente, de location, de distribution de pièces de monnaie ou de papier-monnaie, ou de remboursement par des clés ou d'autres dispositifs enregistrant un crédit
G07F 17/42 - Appareils déclenchés par pièces de monnaie pour la location d'articles; Installations ou services déclenchés par pièces de monnaie pour appareils pour imprimer des tickets ou analogues
G07F 7/08 - Mécanismes actionnés par des objets autres que des pièces de monnaie pour déclencher ou actionner des appareils de vente, de location, de distribution de pièces de monnaie ou de papier-monnaie, ou de remboursement par carte d'identité codée ou carte de crédit codée
G07F 7/10 - Mécanismes actionnés par des objets autres que des pièces de monnaie pour déclencher ou actionner des appareils de vente, de location, de distribution de pièces de monnaie ou de papier-monnaie, ou de remboursement par carte d'identité codée ou carte de crédit codée utilisée simultanément avec un signal codé
Systems and methods for transferring money to a bank account are provided. Transactional information, which includes information on a bank account that is to receive the money, may be transmitted to a host computer system from a point of sale device. The transaction information may be stored at the host computer system. At least some of the transaction information may be sent to an intermediary computer system that is configured to interact with a plurality of banking networks in different countries. The intermediary computer system may also determine which one of the banking networks is associated with the bank account that is to receive the money. A request may be transmitted from the intermediary computer network to a local banking network and includes information on the bank account that is to receive the money and an amount of money to deposit. The bank account may then be credited.
A system and method of performing a value-advance money transfer comprising: receiving a money transfer request; determining whether an account associated with a sender of funds includes a sufficient amount of funds to cover a money transfer request; providing an amount of funds from a money transfer provider to the account associated with the sender to cover the money transfer request; making the amount of funds available to the sender for use in the money transfer; and executing a money transfer from the account to the control of the receiver.
A system for generating transaction settlement identifiers includes an arrangement configured to receive a biometric sample from a customer and an arrangement configured to use the biometric sample to select the transaction settlement identifier from a pool of predetermined transaction settlements. A mapping arrangement configured to map the selected financial transaction settlement identifier to an identifier of the customer also may be included.
G06Q 20/00 - Architectures, schémas ou protocoles de paiement
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06F 21/32 - Authentification de l’utilisateur par données biométriques, p.ex. empreintes digitales, balayages de l’iris ou empreintes vocales
G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
A system for transferring funds from a sender to a recipient with a recorded message is disclosed. In one step the method includes receiving a request for a fund transfer from the sender. The sender may make the request for a fund transfer at a transaction processing device. In another step a payment is received from the sender for the fund transfer and a payment confirmation is transmitted to the host computer system. An identifier may then be assigned to the fund transfer. A recorded message from the sender may be received and at least a copy of the recorded message may be transmitted to a host computer system. The recorded message may then be associated with the fund transfer. A request, including the identifier, may be received from the recipient to receive the recorded messaged. In another step the recorded message may be sent to the recipient.
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
97.
Methods and systems for establishing identity confidence database
The invention provides various systems and methods for establishing an identity confidence scoring system. The method includes gathering identity information about the customers from physical locations and from remote locations. The method updates the identity profiles with the gathered identity information, and based on the gathered identity information, generates an identity confidence score associated with each identity profile.
A card number and an address are requested from a customer at a POS device. An AVS system compares the customer-provided address against a billing address or record for the card that is maintained by a card issuer. If the address provided by the customer matches the billing address of record, a second card number is requested from customer. That second card number is sent to the AVS system and the billing address stored by the issuer for the second card number is also checked against the address provided by the customer.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
99.
Systems and methods to facilitate payment of shipped goods
One method herein includes forwarding an invoice for a purchase agreement made between a seller and a buyer. The method includes receiving a service selection indicating that the invoice is to be paid using an escrow system. The service selection includes a token for verification of a buyer's signatory. The method receives funding confirmation that the buyer has deposited funds into an escrow account. Based on funding confirmation, notification to ship the goods is sent. The method receives shipping confirmation confirming that the goods have been shipped. Upon receipt of the goods, a receiver is authenticated as the authorized signatory using the verification system. This authentication is based on the stored token matching a provided token. Based on verification of the receiver, the goods are released and the deposited funds from the escrow account are deposited into the seller's account.
G06Q 10/08 - Logistique, p.ex. entreposage, chargement ou distribution; Gestion d’inventaires ou de stocks
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail
A method of implementing collaborative funds transfer includes receiving, by a host computer system, from an entity a collaborative funds transfer request for a relief effort to be executed within a collaborative environment. The methods further includes verifying, by the host computer system, validity of the entity, receiving funds provided to the entity via the collaborative environment, reviewing services offered within the collaborative environment, reviewing communications regarding the funds transfer within the collaborative environment, and transferring the funds to the entity.
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 40/04 - Transactions; Opérations boursières, p.ex. actions, marchandises, produits dérivés ou change de devises
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
