Produits et services

downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; computer software, namely, computer software for making payment requests and for providing payment notifications and messages; voice-controlled computer software for receiving voice commands for payment requests stablecoin exchange services; stablecoin payment processing; stablecoin trading services; cryptocurrency trading services; cryptocurrency exchange services; cryptocurrency payment processing; cryptocurrency exchange services featuring blockchain technology; financial brokerage services for cryptocurrency trading; electronic transfer of cryptocurrency; financial trading of cryptocurrency; financial exchange of cryptocurrency; providing information in the field of cryptocurrency exchange price quotations via a data feed; financial exchange of cryptocurrency via decentralized exchanges (DEXs); financial consultancy services relating to cryptocurrency; financial and banking transaction services, namely, providing, verifying, and monitoring secure payment and remittance services featuring digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; providing an internet website featuring information in the fields of finance, namely, financial transactions, payment processing, and digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; financial transaction services, namely, providing secure payment and money transfer options and permitting account holders to make payment requests; payment processing services, namely, debit card, and banking account transaction processing services; merchant services, namely, payment transaction processing services providing temporary use of non-downloadable online software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; electronic monitoring of digital activity to detect fraud in connection with digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; providing a website featuring temporary use of non-downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens

Produits et services

downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; computer software, namely, computer software for making payment requests and for providing payment notifications and messages; voice-controlled computer software for receiving voice commands for payment requests stablecoin exchange services; stablecoin payment processing; stablecoin trading services; cryptocurrency trading services; cryptocurrency exchange services; cryptocurrency payment processing; cryptocurrency exchange services featuring blockchain technology; financial brokerage services for cryptocurrency trading; electronic transfer of cryptocurrency; financial trading of cryptocurrency; financial exchange of cryptocurrency; providing information in the field of cryptocurrency exchange price quotations via a data feed; financial exchange of cryptocurrency via decentralized exchanges (DEXs); financial consultancy services relating to cryptocurrency; financial and banking transaction services, namely, providing, verifying, and monitoring secure payment and remittance services featuring digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; providing an internet website featuring information in the fields of finance, namely, financial transactions, payment processing, and digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; financial transaction services, namely, providing secure payment and money transfer options and permitting account holders to make payment requests; payment processing services, namely, debit card, and banking account transaction processing services; merchant services, namely, payment transaction processing services providing temporary use of non-downloadable online software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; electronic monitoring of digital activity to detect fraud in connection with digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; providing a website featuring temporary use of non-downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens

Produits et services

downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; computer software, namely, computer software for making payment requests and for providing payment notifications and messages; voice-controlled computer software for receiving voice commands for payment requests stablecoin exchange services; stablecoin payment processing; stablecoin trading services; cryptocurrency trading services; cryptocurrency exchange services; cryptocurrency payment processing; cryptocurrency exchange services featuring blockchain technology; financial brokerage services for cryptocurrency trading; electronic transfer of cryptocurrency; financial trading of cryptocurrency; financial exchange of cryptocurrency; providing information in the field of cryptocurrency exchange price quotations via a data feed; financial exchange of cryptocurrency via decentralized exchanges (DEXs); financial consultancy services relating to cryptocurrency; financial and banking transaction services, namely, providing, verifying, and monitoring secure payment and remittance services featuring digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; providing an internet website featuring information in the fields of finance, namely, financial transactions, payment processing, and digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; financial transaction services, namely, providing secure payment and money transfer options and permitting account holders to make payment requests; payment processing services, namely, debit card, and banking account transaction processing services; merchant services, namely, payment transaction processing services providing temporary use of non-downloadable online software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; electronic monitoring of digital activity to detect fraud in connection with digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; providing a website featuring temporary use of non-downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens

Produits et services

downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; computer software, namely, computer software for making payment requests and for providing payment notifications and messages; voice-controlled computer software for receiving voice commands for payment requests stablecoin exchange services; stablecoin payment processing; stablecoin trading services; cryptocurrency trading services; cryptocurrency exchange services; cryptocurrency payment processing; cryptocurrency exchange services featuring blockchain technology; financial brokerage services for cryptocurrency trading; electronic transfer of cryptocurrency; financial trading of cryptocurrency; financial exchange of cryptocurrency; providing information in the field of cryptocurrency exchange price quotations via a data feed; financial exchange of cryptocurrency via decentralized exchanges (DEXs); financial consultancy services relating to cryptocurrency; financial and banking transaction services, namely, providing, verifying, and monitoring secure payment and remittance services featuring digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; providing an internet website featuring information in the fields of finance, namely, financial transactions, payment processing, and digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; financial transaction services, namely, providing secure payment and money transfer options and permitting account holders to make payment requests; payment processing services, namely, debit card, and banking account transaction processing services; merchant services, namely, payment transaction processing services providing temporary use of non-downloadable online software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; electronic monitoring of digital activity to detect fraud in connection with digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; providing a website featuring temporary use of non-downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens

Abrégé

A synthetic identity detection network may include a communications interface, one or more processors, and a memory having instructions stored thereon. The instructions cause the processors to receive a data inquiry from a requesting system. The data inquiry may include personally identifiable information (PII) data associated with a user. The instructions cause the processors to match the PII data to a plurality of user identities. Each user identity may be associated with at least a portion of the PII data. The instructions cause the processors to identify account statuses associated with accounts associated with the user identities. The instructions cause the processors to generate a code based at least in part on a count of the user identities and the account statuses. The code provides an indication of a likelihood of the user being a synthetic identity. The instructions cause the processors to transmit the code to the requesting system.

Classes IPC  ?

• G06F 21/62 - Protection de l’accès à des données via une plate-forme, p. ex. par clés ou règles de contrôle de l’accès

Abrégé

A risk assessment system may include one or more processors and a memory having instructions stored thereon that, when executed by the one or more processors, cause the one or more processors to receive check information associated with a treasury check from a receiving institution. The check information includes a first payee name, a check number, an amount, and a routing number. The instructions cause the processors to send the check information to an issuing treasury institution and to receive, from the treasury institution, a second payee name. The second payee name was printed on the check by the treasury institution. The instructions cause the processors to determine whether the check has already been redeemed at another institution. The instructions cause the processors to provide a response to the receiving institution, the response including the second payee name or an indication of whether the first and second payee name match.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/04 - Circuits de paiement

Abrégé

A computer-implemented method including receiving a request to facilitate a transfer of funds from a sender account of a sender at a sender financial institution to a recipient account of a recipient at a recipient financial institution. The method also can include determining that the recipient is not a registered user of the computer-implemented funds transfer payment network. The method additionally can include transmitting an invitation for the recipient to join the computer-implemented funds transfer payment network. The invitation is directed to the recipient using the public identifier for the recipient. The method further can include receiving, from the recipient, a response to the invitation. The method additionally can include creating a first record for the recipient in an information directory. The first record includes the public identifier for the recipient and a private token for the recipient. The method further can include transmitting the private token of the recipient account to enable the transfer of the funds from the sender account to the recipient account. Other embodiments are disclosed.

Classes IPC  ?

• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives

Produits et services

Downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens Financial and banking transaction services, namely, providing, verifying, and monitoring secure payment and remittance services featuring digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; Providing an internet website featuring information in the fields of finance, namely, financial transactions, payment processing, and digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens Providing temporary use of non-downloadable online software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; Electronic monitoring of digital activity to detect fraud in connection with digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; Providing a website featuring providing temporary use of non-downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens

Abrégé

A computer-implemented method including receiving, at a system from a sender financial institution, transaction information for a requested payment transaction from a sender to a recipient. The system is in data communication with a plurality of financial institutions of a payment network. The plurality of financial institutions include the sender financial institution, a recipient financial institution, and multiple other financial institutions. The method also can include generating, using one or more machine-learning models, a risk score for the requested payment transaction based on analyzing the transaction information received from the sender financial institution and historical information regarding sender behavior of the sender and recipient behavior of the recipient obtained from the plurality of financial institutions of the payment network. The method additionally can include sending the risk score to the sender financial institution to cause the sender financial institution to determine whether to approve or deny the requested payment transaction. Other embodiments are described.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
• G06N 20/20 - Techniques d’ensemble en apprentissage automatique

Abrégé

A method for sharing digital identity data, the method comprising, using an identity network, receiving a sign-up request for a user from a relying party, providing, for display to a user interface of a user device, a list of identity providers, in response to receiving a selection of the identity provider from the list of identity providers, causing the user interface to display a login page associated with the selected identity provider, receiving, from the selected identity provider, a plurality of identity attributes associated with the user, providing, for display to the user interface, the plurality of identity attributes associated with the user, receiving consent from the user to share the plurality of identity attributes associated with the user with the relying party, and redirecting the user interface to a page associated with the relying party.

Classes IPC  ?

• H04L 9/40 - Protocoles réseaux de sécurité

Abrégé

A payment and authentication network may include a communications interface, one or more processors, and a memory. The memory may have instructions stored thereon that, when executed by the one or more processors cause the one or more processors to receive, using the communications interface, transaction information associated with a transaction from a merchant system and generate a fraud risk score based on the transaction information. The instructions may cause the one or more processors to determine that the fraud risk score is indicative that the transaction is likely fraudulent and transmit an alert to a user device that informs a user of the user device that the transaction is likely fraudulent prior to generating an approval decision for the transaction.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
• G06N 20/00 - Apprentissage automatique
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G08B 6/00 - Systèmes de signalisation tactile, p. ex. systèmes d'appel de personnes

Abrégé

In response to a request for risk assessment of a person-to-person (P2P) payment transaction, a risk assessment system returns a payer risk score, a payee risk score and a joint/fusion risk score. Risk scores are based on large amounts of data (including transaction data) provided by multiple financial institutions. The data is sorted and linked to individual people (e.g., common account holders), and assembled by a profile system into payee, payer and joint profiles for purposes of risk evaluation. A database associated with a profile system separately stores the profiles (and associated risk scores). Risk scores (payer, payee and joint) are provided for a transaction in response to a payer ID, a payee ID and transaction data.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/22 - Schémas ou modèles de paiement

Abrégé

A method for sharing digital identity data, the method comprising, using the identity network, receiving an indication of consent from a user device to share a plurality of identity attributes with a relying party, wherein the plurality of identity attributes are associated with a user of the user device, generating an internal authorization code after receiving the consent, providing the internal authorization code to the user device, receiving the internal authorization code from the relying party, in response to receiving the internal authorization code, providing an internal access token to the relying party, receiving the internal access token from the relying party, and in response to receiving the access token, providing the plurality of identity attributes to the relying party.

Classes IPC  ?

• G06Q 40/03 - CréditsPrêtsLeur traitement
• G06F 9/445 - Chargement ou démarrage de programme
• G06F 21/30 - Authentification, c.-à-d. détermination de l’identité ou de l’habilitation des responsables de la sécurité
• G06F 21/62 - Protection de l’accès à des données via une plate-forme, p. ex. par clés ou règles de contrôle de l’accès
• H04L 9/08 - Répartition de clés
• H04L 9/40 - Protocoles réseaux de sécurité
• H04L 41/147 - Analyse ou conception de réseau pour prédire le comportement du réseau
• H04L 67/50 - Services réseau

Abrégé

A method including receiving, at a payment-messaging computing system from a biller financial institution, a request for information about a public consumer token of a consumer. The method also includes determining that the public consumer token of the consumer is registered and active in a directory of the payment-messaging computing system. The method additional includes determining a risk metric representing a risk of using the public consumer token for the bill payment. The method further includes sending the risk metric from the payment-messaging computing system to the biller financial institution to cause the biller financial institution to send the risk metric to the biller computer to allow the biller to determine whether to assume liability for the bill payment or instead request the consumer financial institution assume liability and whether to perform a step-up authentication, based on the risk metric. The method additionally includes receiving, at the payment-messaging computing system from the biller financial institution, an authorization message for the bill payment after the authorization message was provided to the biller financial institution by the biller computer. The method further includes sending the authorization message for the bill payment to the consumer financial institution, to cause the consumer financial institution to send a real-time payment message through the payment-messaging computing system to the biller financial institution to make funds available in real-time in the biller account for the bill payment. Other embodiments are described.

Classes IPC  ?

• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures 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 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives

Produits et services

Specialized financial risk assessment services utilizing proprietary analytics and multi-source data correlation to evaluate transactional integrity of payors; real-time fraud detection services cross-referencing payor attributes, account activity patterns, and anomaly signals to identify unauthorized or compromised financial accounts; financial risk scoring services for evaluating payment transaction risk through dynamic profiling of financial transactional behaviors Software-as-a-service (SaaS) featuring automated computer-based financial risk scoring engines for dynamically detecting, evaluating, and mitigating financial fraud and financial account compromise risks; platform-as-a-service (PaaS) providing configurable fraud prevention orchestration infrastructure, enabling financial institutions to integrate multi-layered authentication, behavioral biometrics, and fraud signal aggregation into customized risk rules and outputs for automated financial transaction approval workflows; application programming interface (API)-based software services for the secure ingestion, normalization, and real-time transmission of identity-linked transactional data to support automated financial risk decisioning

Produits et services

Providing consumer information in the field of financial services via social media and online platforms; advertising and marketing services, namely, coordinating and managing synchronized social media marketing campaigns on behalf of third parties through organized networks of paid content creators; promoting electronic funds transfer services through coordinated multi-platform content distribution programs Providing information about financial services via social media websites; providing information about financial services via social media applications; providing consumer education and awareness regarding electronic funds transfer services through coordinated networks of online content creators; providing consumer guidance regarding electronic funds transfer services via synchronized multi-platform content distribution platforms Providing online, non-downloadable, videos in the field of financial services; providing online non-downloadable video content featuring consumer education about electronic funds transfer services, created and distributed through coordinated networks of social media content creators via synchronized multi-platform distribution

Produits et services

Financial services, namely risk assessment, risk management, and verification services; payment verification services; funds verification services; check verification services; electronic funds transfer and credit and debit card transaction verification services; financial fraud detection and prevention services; providing financial transaction monitoring services for financial institutions and consumers via a global computer network; providing notification and reporting services to financial institutions and account holders regarding financial transactions, account activity, and potential fraudulent activity; providing financial risk assessment, management, and verification services for electronic funds transfers, credit and debit card transactions, and check transactions via a global computer network

Produits et services

Financial services, namely, risk assessment, risk management, and verification services Providing online non-downloadable software and computer programs, namely software as a service (SaaS) and platform as a service (PaaS) featuring software for financial risk assessment services, verification services, and risk management services; Providing online, non-downloadable application programming interface (API) software for receiving, verifying, and transmitting information for financial risk assessment services, verification services, and risk management services

Produits et services

Financial services, namely, risk assessment, risk management, and verification services Providing online non-downloadable software and computer programs, namely software as a service (SaaS) and platform as a service (PaaS) featuring software for financial risk assessment services, verification services, and risk management services; Providing online, non-downloadable application programming interface (API) software for receiving, verifying, and transmitting information for financial risk assessment services, verification services, and risk management services

Produits et services

Financial transaction services, namely providing secure payment and money transfer options, and permitting users to make purchase and payment requests; electronic transaction processing services, namely, providing purchase protection reimbursement services for protection of user purchases in the field of electronic transactions; merchant services, namely providing secure commercial transaction options, secure commercial payment options, and identification and verification of users; Financial and banking transaction services, namely, providing, verifying, and monitoring secure payment and remittance services featuring digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; Providing an internet website featuring information in the fields of finance, namely, financial transactions, payment processing, and digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens

Produits et services

Financial transaction services, namely providing secure payment and money transfer options, and permitting users to make purchase and payment requests; electronic transaction processing services, namely, providing purchase protection reimbursement services for protection of user purchases in the field of electronic transactions; merchant services, namely providing secure commercial transaction options, secure commercial payment options, and identification and verification of users; Financial and banking transaction services, namely, providing, verifying, and monitoring secure payment and remittance services featuring digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; Providing an internet website featuring information in the fields of finance, namely, financial transactions, payment processing, and digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens

Produits et services

(1) Financial transaction services, namely, providing secure commercial transaction options and secure electronic funds transfers; processing of secure electronic wallet transactions; financial transaction services, namely, providing secure commercial transactions and transfer options using a mobile device at a point of sale; providing an internet website portal in the field of financial transaction and funds transfer services.

Produits et services

(1) Financial transaction services, namely, providing secure commercial transaction options and secure electronic funds transfers; processing of secure electronic wallet transactions; financial transaction services, namely, providing secure commercial transactions and transfer options using a mobile device at a point of sale; providing an internet website portal in the field of financial transaction and funds transfer services

Produits et services

Financial transaction services, namely, providing secure commercial transaction options and secure electronic funds transfers; processing of secure electronic wallet transactions; financial transaction services, namely, providing secure commercial transactions and transfer options using a mobile device at a point of sale; providing an internet website portal in the field of financial transaction and funds transfer services.

Produits et services

Financial transaction services, namely, providing secure commercial transaction options and secure electronic funds transfers; processing of secure electronic wallet transactions; financial transaction services, namely, providing secure commercial transactions and transfer options using a mobile device at a point of sale; providing an internet website portal in the field of financial transaction and funds transfer services.

Produits et services

Downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens. Financial and banking transaction services, namely, providing, verifying, and monitoring secure payment and remittance services featuring digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; providing information in the fields of finance, namely, financial transactions, payment processing, and digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens via a website. Providing online non-downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; electronic monitoring of digital activity to detect fraud in connection with digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; providing online non-downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens via a website.

Abrégé

A risk assessment system may include one or more processors and a memory having instructions stored thereon that, when executed by the one or more processors, cause the one or more processors to receive check information associated with a check from a receiving institution. The check information may include a first payee name, a check number, an amount, and a routing number. The instructions further cause the processors to send the check information to an issuing institution. The instructions further cause the processors to receive, from the issuing institution, a second payee name from the issuing institution. The second payee name was printed on the check issued by the issuing institution. The instructions further cause the processors to provide a response to the receiving institution, which may include the second payee name and an indication of whether the first payee name and the second payee name match.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/04 - Circuits de paiement

Abrégé

A method of assessing risk of a negotiable instrument may include receiving a deposit inquiry from a depositing financial institution. The deposit inquiry may include a first routing number of an issuing financial institution, a first account number of a check issued by the issuing financial institution, a second routing number of a deposit account, and a second account number of the deposit account. The method may include retrieving risk factors associated with the first account number using the first account number and the first routing number and risk factors associated with the second account number using the second account number and the second routing number. The method may include providing the risk factors associated with the first account number to the depositing financial institution and providing the risk factors associated with the second account number to the issuing financial institution.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/04 - Circuits de paiement
• G06V 30/10 - Reconnaissance de caractères

Produits et services

Downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens Financial and banking transaction services, namely, providing, verifying, and monitoring secure payment and remittance services featuring digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; Providing an internet website featuring information in the fields of finance, namely, financial transactions, payment processing, and digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens Providing temporary use of non-downloadable online software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; Electronic monitoring of digital activity to detect fraud in connection with digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; Providing a website featuring temporary use of non-downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens

Produits et services

Downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens. Financial and banking transaction services, namely, providing secure payment and remittance services featuring digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; providing information relating to finance, namely, financial transactions, payment processing, and digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens via an internet website. Providing non-downloadable online software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; electronic monitoring of digital activity to detect fraud in connection with digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; providing non-downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens via a website; verifying and monitoring secure payment and remittance services featuring digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens.

Produits et services

Downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens. Financial and banking transaction services, namely, providing secure payment and remittance services featuring digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; providing information relating to finance, namely, financial transactions, payment processing, and digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens via an internet website. Providing non-downloadable online software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; electronic monitoring of digital activity to detect fraud in connection with digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; providing non-downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens via a website; verifying and monitoring secure payment and remittance services featuring digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens.

Produits et services

Downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens. Financial and banking transaction services, namely, providing, verifying, and monitoring secure payment and remittance services featuring digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; providing information in the fields of finance, namely, financial transactions, payment processing, and digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens via a website. Providing online non-downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; electronic monitoring of digital activity to detect fraud in connection with digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; providing online non-downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens via a website.

Produits et services

Financial transaction services, namely, providing secure commercial transaction options and secure electronic funds transfers; processing of secure electronic wallet transactions; financial transaction services, namely, providing secure commercial transactions and transfer options using a mobile device at a point of sale; providing an internet website portal in the field of financial transaction and funds transfer services

Abrégé

A computer-implemented method including determining, by a wallet server, whether a wallet of a user can be linked to a payment service account of the user. The method also can include causing a link option to be displayed to the user on a wallet user interface. The method additionally can include receiving, at the wallet server from the wallet user interface, a request to link the wallet to the payment service account. The method further can include sending, by the wallet server, card information for one or more payment cards in the wallet to a payment service server be added to the payment service account. Other embodiments are described.

Classes IPC  ?

• 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 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
• G06Q 20/22 - Schémas ou modèles de paiement
• 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 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

A computer-implemented method including determining, by a wallet server, whether a wallet of a user can be linked to a payment service account of the user. The method also can include causing a link option to be displayed to the user on a wallet user interface. The method additionally can include receiving, at the wallet server from the wallet user interface, a request to link the wallet to the payment service account. The method further can include sending, by the wallet server, card information for one or more payment cards in the wallet to a payment service server be added to the payment service account. Other embodiments are described.

Classes IPC  ?

• 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 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• 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 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p. ex. cartes à puces ou cartes magnétiques

Abrégé

A computer-implemented method including receiving, at a wallet server, a request from a browser server for payload information associated with a selected payment instrument for an online checkout transaction. The method also can include performing, by the wallet server, a risk assessment for the selected payment instrument. The method additionally can include determining whether to perform a step-up authentication based on the risk assessment. The method further can include, upon determining to proceed with the online checkout transaction, requesting, by the wallet server, token information from a token service provider. The method additionally can include receiving, at the wallet server, the token information from the token service provider. The method further can include creating, by the wallet server, a secure payload comprising the token information. The method additionally can include sending, by the wallet server, the secure payload to the browser server for autofill in a browser. Other embodiments are described.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
• 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 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• 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

Abrégé

A computer-implemented method including receiving, at a wallet server, a request from a browser server for payload information associated with a selected payment instrument for an online checkout transaction. The method also can include performing, by the wallet server, a risk assessment for the selected payment instrument. The method additionally can include determining whether to perform a step-up authentication based on the risk assessment. The method further can include, upon determining to proceed with the online checkout transaction, requesting, by the wallet server, token information from a token service provider. The method additionally can include receiving, at the wallet server, the token information from the token service provider. The method further can include creating, by the wallet server, a secure payload comprising the token information. The method additionally can include sending, by the wallet server, the secure payload to the browser server for autofill in a browser. Other embodiments are described.

Classes IPC  ?

• 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 20/34 - 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 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives

Produits et services

(1) Business risk management; business risk assessment services; business risk management consultation; advisory services relating to business risk management. (2) Financial risk management; financial risk management consultation; financial risk assessment services; payment and funds verification services; advisory services relating to financial risk management; financial account risk score services; financial transaction risk score services; benefits payments verification services. (3) Training services in the field of business risk management; training services in the field of identification and identity verification; training services in the field of financial risk management; training services in the field of financial scams and fraudulent activity. (4) Software as a service featuring software for business risk management; software as a service featuring software for financial risk management; software as a service featuring software for identification and identity verification; software as a service featuring software for payment and funds verification; non-downloadable software for business risk management; non-downloadable software for financial risk management; non-downloadable software for identification and identity verification; non-downloadable software to help identify high-risk activity and attributes during financial transactions; non-downloadable software for payment and funds verification; software as a service featuring software to help identify high-risk activity and attributes during financial transactions.

Produits et services

(1) Business risk management; business risk assessment services; business risk management consultation; advisory services relating to business risk management. (2) Financial risk management; financial risk management consultation; financial risk assessment services; payment and funds verification services; advisory services relating to financial risk management; financial account risk score services; financial transaction risk score services; benefits payments verification services. (3) Training services in the field of business risk management; training services in the field of identification and identity verification; training services in the field of financial risk management; training services in the field of financial scams and fraudulent activity. (4) Software as a service featuring software for business risk management; software as a service featuring software for financial risk management; software as a service featuring software for identification and identity verification; software as a service featuring software for payment and funds verification; non-downloadable software for business risk management; non-downloadable software for financial risk management; non-downloadable software for identification and identity verification; non-downloadable software to help identify high-risk activity and attributes during financial transactions; non-downloadable software for payment and funds verification; software as a service featuring software to help identify high-risk activity and attributes during financial transactions.

Produits et services

Business risk management; Business risk assessment services; Business risk management consultation; advisory services relating to business risk management. Financial risk management; Financial risk management consultation; Financial risk assessment services; Payment and funds verification services; advisory services relating to financial risk management; financial account risk score services; financial transaction risk score services; benefits payments verification services. Training services in the field of business risk management; Training services in the field of identification and identity verification; Training services in the field of financial risk management; Training services in the field of financial scams and fraudulent activity. Software as a service featuring software for business risk management; software as a service featuring software for financial risk management; software as a service featuring software for identification and identity verification; software as a service featuring software for payment and funds verification; provision of non-downloadable software for business risk management; provision of non-downloadable software for financial risk management; provision of non-downloadable software for identification and identity verification; provision of non-downloadable software to help identify high-risk activity and attributes during financial transactions; provision of non-downloadable software for payment and funds verification; software as a service featuring software to help identify high-risk activity and attributes during financial transactions.

Produits et services

(1) Business risk management; business risk assessment services; business risk management consultation; advisory services relating to business risk management. (2) Financial risk management; financial risk management consultation; financial risk assessment services; payment and funds verification services; advisory services relating to financial risk management; financial account risk score services; financial transaction risk score services; benefits payments verification services. (3) Training services in the field of business risk management; training services in the field of identification and identity verification; training services in the field of financial risk management; training services in the field of financial scams and fraudulent activity. (4) Software as a service featuring software for business risk management; software as a service featuring software for financial risk management; software as a service featuring software for identification and identity verification; software as a service featuring software for payment and funds verification; non-downloadable software for business risk management; non-downloadable software for financial risk management; non-downloadable software for identification and identity verification; non-downloadable software to help identify high-risk activity and attributes during financial transactions; non-downloadable software for payment and funds verification; software as a service featuring software to help identify high-risk activity and attributes during financial transactions.

Produits et services

(1) Business risk management; business risk assessment services; business risk management consultation; advisory services relating to business risk management. (2) Financial risk management; financial risk management consultation; financial risk assessment services; payment and funds verification services; advisory services relating to financial risk management; financial account risk score services; financial transaction risk score services; benefits payments verification services. (3) Training services in the field of business risk management; training services in the field of identification and identity verification; training services in the field of financial risk management; training services in the field of financial scams and fraudulent activity. (4) Software as a service featuring software for business risk management; software as a service featuring software for financial risk management; software as a service featuring software for identification and identity verification; software as a service featuring software for payment and funds verification; non-downloadable software for business risk management; non-downloadable software for financial risk management; non-downloadable software for identification and identity verification; non-downloadable software to help identify high-risk activity and attributes during financial transactions; non-downloadable software for payment and funds verification; software as a service featuring software to help identify high-risk activity and attributes during financial transactions.

Produits et services

Business risk management; Business risk assessment services; Business risk management consultation; advisory services relating to business risk management. Financial risk management; Financial risk management consultation; Financial risk assessment services; Payment and funds verification services; advisory services relating to financial risk management; financial account risk score services; financial transaction risk score services; benefits payments verification services. Training services in the field of business risk management; Training services in the field of identification and identity verification; Training services in the field of financial risk management; Training services in the field of financial scams and fraudulent activity. Software as a service featuring software for business risk management; software as a service featuring software for financial risk management; software as a service featuring software for identification and identity verification; software as a service featuring software for payment and funds verification; provision of non-downloadable software for business risk management; provision of non-downloadable software for financial risk management; provision of non-downloadable software for identification and identity verification; provision of non-downloadable software to help identify high-risk activity and attributes during financial transactions; provision of non-downloadable software for payment and funds verification; software as a service featuring software to help identify high-risk activity and attributes during financial transactions.

Produits et services

Business risk management; Business risk assessment services; Business risk management consultation; advisory services relating to business risk management. Financial risk management; Financial risk management consultation; Financial risk assessment services; Payment and funds verification services; advisory services relating to financial risk management; financial account risk score services; financial transaction risk score services; benefits payments verification services. Training services in the field of business risk management; Training services in the field of identification and identity verification; Training services in the field of financial risk management; Training services in the field of financial scams and fraudulent activity. Software as a service featuring software for business risk management; software as a service featuring software for financial risk management; software as a service featuring software for identification and identity verification; software as a service featuring software for payment and funds verification; provision of non-downloadable software for business risk management; provision of non-downloadable software for financial risk management; provision of non-downloadable software for identification and identity verification; provision of non-downloadable software to help identify high-risk activity and attributes during financial transactions; provision of non-downloadable software for payment and funds verification; software as a service featuring software to help identify high-risk activity and attributes during financial transactions.

Produits et services

Business risk management; Business risk assessment services; Business risk management consultation; advisory services relating to business risk management. Financial risk management; Financial risk management consultation; Financial risk assessment services; Payment and funds verification services; advisory services relating to financial risk management; financial account risk score services; financial transaction risk score services; benefits payments verification services. Training services in the field of business risk management; Training services in the field of identification and identity verification; Training services in the field of financial risk management; Training services in the field of financial scams and fraudulent activity. Software as a service featuring software for business risk management; software as a service featuring software for financial risk management; software as a service featuring software for identification and identity verification; software as a service featuring software for payment and funds verification; provision of non-downloadable software for business risk management; provision of non-downloadable software for financial risk management; provision of non-downloadable software for identification and identity verification; provision of non-downloadable software to help identify high-risk activity and attributes during financial transactions; provision of non-downloadable software for payment and funds verification; software as a service featuring software to help identify high-risk activity and attributes during financial transactions.

Produits et services

Financial transaction services, namely, providing secure payment and money transfer options and permitting account holders to make payment requests; payment processing services, namely, credit card, debit card, and banking account transaction processing services; merchant services, namely, payment transaction processing services. Communication and telecommunication services, namely, delivery of messages by electronic transmission, over local or global communications networks, including the internet, intranets, extranets, mobile communication, cellular and satellite networks.

Abrégé

Disclosed herein is an identity network that can provide a universal, digital identity for users that can be used to authenticate the user by an identity provider for relying parties. The identity network receives a request from a relying party that includes deep linking to an identity provider selected by the user. The request specifies the user as well as any other information about the user the relying party is requesting. A service of the identity network launches the application for the identity provider on the user's device using a software development kit. The user can log into the identity provider's application, which validates the user and provides the user authentication/validation and information about the user to the identity network. The identity network can then provide the indication of the user's authentication and the user information to the relying party.

Classes IPC  ?

• G06F 21/31 - Authentification de l’utilisateur
• G06F 9/445 - Chargement ou démarrage de programme
• G06F 21/30 - Authentification, c.-à-d. détermination de l’identité ou de l’habilitation des responsables de la sécurité
• G06F 21/62 - Protection de l’accès à des données via une plate-forme, p. ex. par clés ou règles de contrôle de l’accès
• G06Q 40/03 - CréditsPrêtsLeur traitement
• H04L 9/08 - Répartition de clés
• H04L 9/40 - Protocoles réseaux de sécurité
• H04L 41/147 - Analyse ou conception de réseau pour prédire le comportement du réseau
• H04L 67/50 - Services réseau
• H04W 12/06 - Authentification

Produits et services

Financial transaction services, namely providing secure commercial transaction options and secure electronic funds transfers; processing of secure electronic wallet transactions; financial transaction services, namely providing secure commercial transactions and transfer options using a mobile device at a point of sale; providing an internet website portal in the field of financial transaction and funds transfer services

Abrégé

Described herein is an identity network for authenticating a user for a relying party and providing access to the user's credit report. The identity network may receive an unlock request for the digital identity and credit report of a user from a relying party. In response, the identity network may provide an identity provider link for accessing the identity provider application. The user may login to the identity provider application and provide consent for obtaining the user's credit report. The identity provider provides the identity network with verification of the digital identity of the user and the consent response from the user. The identity network can request access from a credit reporting agency and receive a credit report key in response. The identity network can provide the credit report key to the relying party, which can use the key to access the user's credit report from the credit reporting agency.

Classes IPC  ?

• G06F 21/31 - Authentification de l’utilisateur
• G06F 9/445 - Chargement ou démarrage de programme
• G06F 21/30 - Authentification, c.-à-d. détermination de l’identité ou de l’habilitation des responsables de la sécurité
• G06F 21/62 - Protection de l’accès à des données via une plate-forme, p. ex. par clés ou règles de contrôle de l’accès
• G06Q 40/03 - CréditsPrêtsLeur traitement
• H04L 9/08 - Répartition de clés
• H04L 9/40 - Protocoles réseaux de sécurité
• H04L 41/147 - Analyse ou conception de réseau pour prédire le comportement du réseau
• H04L 67/50 - Services réseau
• H04W 12/06 - Authentification

Abrégé

A method of generating an input for a machine learning algorithm may include collecting data records. Each data record may include a plurality of categories of data. The method may include using vector quantization to partition the plurality of data records into a plurality of groupings. Each of the groupings may be based on one or more of the plurality of categories of data. The method may include generating a correlation score for each of the plurality of groupings. The correlation score may be indicative of whether a particular group is indicative of a given outcome.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
• G06F 18/214 - Génération de motifs d'entraînementProcédés de Bootstrapping, p. ex. ”bagging” ou ”boosting”
• G06F 18/23213 - Techniques non hiérarchiques en utilisant les statistiques ou l'optimisation des fonctions, p. ex. modélisation des fonctions de densité de probabilité avec un nombre fixe de partitions, p. ex. K-moyennes
• G06N 20/00 - Apprentissage automatique

Abrégé

A method, performable by a data broker, of securely transferring data without passwords may include registering an entity using a FIDO authentication process. The method may include associating, based on a receipt of first access token generated by a data provider using a first OIDC authorization process, the data provider with the entity. The method may include generating a second access token, using a second OIDC authorization process, associated with a data recipient. The method may include receiving a request to transfer requested data from the data provider to the data recipient. The request may include the second access token. The method may include transmitting the first long-lived token to the data provider for receiving the requested data. The method may include transmitting the requested data to the data recipient.

Classes IPC  ?

• H04L 9/40 - Protocoles réseaux de sécurité

Produits et services

(1) Payment processing services, namely, banking account transaction processing services.

Produits et services

Downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens Financial and banking transaction services, namely, providing, verifying, and monitoring secure payment and remittance services featuring digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; Providing an internet website featuring information in the fields of finance, namely, financial transactions, payment processing, and digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens Providing temporary use of non-downloadable online software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; Electronic monitoring of digital activity to detect fraud in connection with digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; Providing a website featuring providing temporary use of non-downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens

Produits et services

Downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens Financial and banking transaction services, namely, providing, verifying, and monitoring secure payment and remittance services featuring digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; Providing an internet website featuring information in the fields of finance, namely, financial transactions, payment processing, and digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens Providing temporary use of non-downloadable online software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; Electronic monitoring of digital activity to detect fraud in connection with digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; Providing a website featuring providing temporary use of non-downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens

Produits et services

(1) Financial transaction services, namely, providing secure payment and money transfer options and permitting account holders to make payment requests; payment processing services, namely, credit card, debit card, and banking account transaction processing services; merchant services, namely, payment transaction processing services; financial transaction services, namely, providing secure commercial transaction options, secure commercial payment options, secure personal payment options, and secure electronic funds transfer options and permitting account holders to make payment requests. (2) Providing temporary use of non-downloadable software for making payment requests and for providing payment notifications and messages.

Produits et services

(1) Financial transaction services, namely, providing secure payment and money transfer options and permitting account holders to make payment requests; payment processing services, namely, credit card, debit card, and banking account transaction processing services; merchant services, namely, payment transaction processing services; financial transaction services, namely, providing secure commercial transaction options, secure commercial payment options, secure personal payment options, and secure electronic funds transfer options and permitting account holders to make payment requests. (2) Providing temporary use of non-downloadable software for making payment requests and for providing payment notifications and messages; providing temporary use of non-downloadable software for voice-controlled computer software for receiving voice commands for payment requests.

Produits et services

(1) Computer software, namely, computer software for making payment requests and for providing payment notifications and messages; voice-controlled computer software for receiving voice commands for payment requests.

Produits et services

Promoting the sale of goods and services of others by means of incentive campaigns, promotions and discounts; Arranging and conducting special events for commercial, promotional or advertising purposes

Produits et services

Financial transaction services, namely, providing secure commercial transaction options and secure electronic funds transfers; processing of secure electronic wallet transactions; financial transaction services, namely, providing secure commercial transactions and transfer options using a mobile device at a point of sale; providing an internet website portal in the field of financial transaction and funds transfer services

Produits et services

Computer software, namely, computer software for making payment requests and for providing payment notifications and messages; Voice-controlled computer software for receiving voice commands for payment requests.

Produits et services

Promoting the sale of goods and services of others by means of incentive campaigns, promotions and discounts; Arranging and conducting special events for commercial, promotional or advertising purposes

Produits et services

Financial transaction services, namely, providing secure payment and money transfer options and permitting account holders to make payment requests; payment processing services, namely, credit card, debit card, and banking account transaction processing services; merchant services, namely, payment transaction processing services; financial transaction services, namely, providing secure commercial transaction options, secure commercial payment options, secure personal payment options, and secure electronic funds transfer options and permitting account holders to make payment requests. Providing temporary use of non-downloadable software for making payment requests and for providing payment notifications and messages; providing temporary use of non-downloadable software for voice-controlled computer software for receiving voice commands for payment requests.

Produits et services

Business risk management; business risk assessment services; business risk management consultation; advisory services relating to business risk management Financial risk management; financial risk management consultation; financial risk assessment services; payment and funds verification services; advisory services relating to financial risk management; financial account risk score services; financial transaction risk score services; benefits payments verification services Training services in the field of business risk management; training services in the field of identification and identity verification; training services in the field of financial risk management; training services in the field of financial scams and fraudulent activity Software as a service (SaaS) services featuring software for business risk management; software as a service (SaaS) services featuring software for financial risk management; software as a service (Saas) services featuring software for identification and identity verification; software as a service (SaaS) services featuring software for payment and funds verification; providing temporary use of non-downloadable software for business risk management; providing temporary use of non-downloadable software for financial risk management; providing temporary use of non-downloadable software for identification and identity verification; providing temporary use of non-downloadable software to help identify high-risk activity and attributes during financial transactions; providing temporary use of non-downloadable software for payment and funds verification; software as a service (SaaS) services featuring software to help identify high-risk activity and attributes during financial transactions

Produits et services

Downloadable computer software, namely, computer software for making payment requests and for providing payment notifications and messages; Downloadable voice-controlled computer software for receiving voice commands for payment requests

Produits et services

Financial transaction services, namely, providing secure payment and money transfer options and permitting account holders to make payment requests; payment processing services, namely, credit card, debit card, and banking account transaction processing services; merchant services, namely, payment transaction processing services; financial transaction services, namely, providing secure commercial transaction options, secure commercial payment options, secure personal payment options, and secure electronic funds transfer options and permitting account holders to make payment requests. Providing temporary use of non-downloadable software for making payment requests and for providing payment notifications and messages.

Abrégé

Systems and methods are provided for implementing reciprocal data sharing in a data exchange system. Limitations may be placed on the amount of data an exchange member may access based on the amount of data contributed. The system may include determining a data contribution associated with a first member of the data exchange, determining a data access limit for the first member based on the data contribution, and providing data to the first member when the first member has not exceeded the data access limit. In some embodiments, there may be separate data access limits for each member of the data exchange, so that a first member may have different access limits when accessing data from a second member, data from a third member, and data from a fourth member. Further, the system may limit a requester to a type of data that corresponds to the type of data contributed.

Classes IPC  ?

• H04L 47/25 - Commande de fluxCommande de la congestion le débit étant modifié par la source lors de la détection d'un changement des conditions du réseau
• H04L 45/00 - Routage ou recherche de routes de paquets dans les réseaux de commutation de données
• H04L 45/74 - Traitement d'adresse pour le routage
• 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

Abrégé

A system includes a processor and a memory accessible to the processor. The memory stores instructions that, when executed by the processor, cause the processor to determine a privacy policy score for one of an application and a website and provide the privacy policy score to a device.

Classes IPC  ?

• G06F 21/62 - Protection de l’accès à des données via une plate-forme, p. ex. par clés ou règles de contrôle de l’accès
• G06F 16/951 - IndexationTechniques d’exploration du Web
• H04L 9/40 - Protocoles réseaux de sécurité

Produits et services

Financial transaction services, namely providing secure payment and money transfer options, and permitting users to make purchase and payment requests; electronic transaction processing services, namely, providing purchase protection reimbursement services for protection of user purchases in the field of electronic transactions; merchant services, namely providing secure commercial transaction options, secure commercial payment options, and identification and verification of users

Produits et services

Financial transaction services, namely providing secure commercial transaction options and secure electronic funds transfers; processing of secure electronic wallet transactions; financial transaction services, namely providing secure commercial transactions and transfer options using a mobile device at a point of sale; providing an internet website portal in the field of financial transaction and funds transfer services

Produits et services

Communication and telecommunication services, namely, delivery of messages by electronic transmission, over local or global communications networks, including the internet, intranets, extranets, mobile communication, cellular and satellite networks

Produits et services

Financial transaction services, namely providing secure payment and money transfer options, and permitting users to make purchase and payment requests; electronic transaction processing services, namely, providing purchase protection reimbursement services for protection of user purchases in the field of electronic transactions; merchant services, namely providing secure commercial transaction options, secure commercial payment options, and identification and verification of users

Produits et services

Entertainment and educational services, namely, providing facilities for community-focused events featuring recreational sports activities, games, music performances, and films; providing facilities for social and private events, namely sports, recreation, and amusement facilities Providing general purpose facilities for concession stands featuring food, beverages, souvenirs, sundries, and general merchandise; providing facilities for social gatherings and meetings; providing facilities for social and private events, namely banquets; providing general purpose facilities for farmers' markets

Produits et services

Financial transaction services, namely, providing secure commercial transaction options and secure electronic funds transfers; processing of secure electronic wallet transactions; financial transaction services, namely, providing secure commercial transactions and transfer options using a mobile device at a point of sale; providing an internet website portal in the field of financial transaction and funds transfer services

Produits et services

Financial transaction services, namely, providing secure commercial transaction options and secure electronic funds transfers; processing of secure electronic wallet transactions; financial transaction services, namely, providing secure commercial transactions and transfer options using a mobile device at a point of sale; providing an internet website portal in the field of financial transaction and funds transfer services

Produits et services

Entertainment and educational services, namely, providing recreation facilities for community-focused events featuring sports activities, games, music performances, films, and cultural events; providing sports, recreation, and amusement facilities Providing general purpose facilities for concession stands featuring food, beverages, souvenirs, and sundries; providing general purpose facilities for social gatherings and meetings; providing general purpose facilities for farmers' markets; providing banquet facilities for special occasions

Produits et services

(1) Downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens. (1) Financial and banking transaction services, namely, providing, verifying, and monitoring secure payment and remittance services featuring digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; providing information in the fields of finance, namely, financial transactions, payment processing, and digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens via a website. (2) Providing online non-downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; electronic monitoring of digital activity to detect fraud in connection with digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; providing online non-downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens via a website.

Produits et services

(1) Downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens. (1) Financial and banking transaction services, namely, providing, verifying, and monitoring secure payment and remittance services featuring digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; providing information in the fields of finance, namely, financial transactions, payment processing, and digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens via a website. (2) Providing online non-downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; electronic monitoring of digital activity to detect fraud in connection with digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; providing online non-downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens via a website.

Produits et services

(1) Downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens. (1) Financial and banking transaction services, namely, providing secure payment and remittance services featuring digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; providing information relating to finance, namely, financial transactions, payment processing, and digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens via an internet website. (2) Providing non-downloadable online software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; electronic monitoring of digital activity to detect fraud in connection with digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; providing non-downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens via a website; verifying and monitoring secure payment and remittance services featuring digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens.

Produits et services

(1) Downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens. (1) Financial and banking transaction services, namely, providing secure payment and remittance services featuring digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; providing information relating to finance, namely, financial transactions, payment processing, and digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens via an internet website. (2) Providing non-downloadable online software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; electronic monitoring of digital activity to detect fraud in connection with digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; providing non-downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens via a website; verifying and monitoring secure payment and remittance services featuring digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens.

Produits et services

Downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens Financial and banking transaction services, namely, providing, verifying, and monitoring secure payment and remittance services featuring digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; Providing an internet website featuring information in the fields of finance, namely, financial transactions, payment processing, and digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens Providing temporary use of non-downloadable online software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; Electronic monitoring of digital activity to detect fraud in connection with digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; Providing a website featuring temporary use of non-downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens

Produits et services

Downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens Financial and banking transaction services, namely, providing, verifying, and monitoring secure payment and remittance services featuring digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; Providing an internet website featuring information in the fields of finance, namely, financial transactions, payment processing, and digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens providing temporary use of non-downloadable online software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; Electronic monitoring of digital activity to detect fraud in connection with digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; Providing a website featuring temporary use of non-downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens

Produits et services

Downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens Financial and banking transaction services, namely, providing, verifying, and monitoring secure payment and remittance services featuring digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; Providing an internet website featuring information in the fields of finance, namely, financial transactions, payment processing, and digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens providing temporary use of non-downloadable online software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; Electronic monitoring of digital activity to detect fraud in connection with digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; Providing a website featuring temporary use of non-downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens

Produits et services

Downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens Financial and banking transaction services, namely, providing, verifying, and monitoring secure payment and remittance services featuring digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; Providing an internet website featuring information in the fields of finance, namely, financial transactions, payment processing, and digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens Providing temporary use of non-downloadable online software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; Electronic monitoring of digital activity to detect fraud in connection with digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens; Providing a website featuring temporary use of non-downloadable software for use in issuing, managing, monitoring, transferring, processing, and remitting digital and electronic assets and tokens, namely, digital and virtual currencies, cryptocurrencies, stablecoins, blockchain, digital and virtual tokens, crypto tokens, and utility tokens

Produits et services

Business risk management; business risk assessment services; business risk management consultation; advisory services relating to business risk management Financial risk management; financial risk management consultation; financial risk assessment services; payment and funds verification services; advisory services relating to financial risk management; financial account risk score services; financial transaction risk score services; benefits payments verification services Training services in the field of business risk management; training services in the field of identification and identity verification; training services in the field of financial risk management; training services in the field of financial scams and fraudulent activity Software as a service featuring software for business risk management; software as a service featuring software for financial risk management; software as a service featuring software for identification and identity verification; software as a service featuring software for payment and funds verification; non-downloadable software for business risk management; non-downloadable software for financial risk management; non-downloadable software for identification and identity verification; non-downloadable software to help identify high-risk activity and attributes during financial transactions; non-downloadable software for payment and funds verification; software as a service featuring software to help identify high-risk activity and attributes during financial transactions

Abrégé

A system may include an interface configured to couple to a network, and includes a processor and a memory accessible to the processor. The memory may be configured to store instructions that, when executed, cause the processor to process search results corresponding to multiple data owners to selectively filter personally identifiable information (PII) associated with one or more consumers from the set of search results according to data sharing permissions for each of the data owners to produce filtered results. The instructions may further cause the processor to provide the filtered results to a user device through the network.

Classes IPC  ?

• G06F 21/62 - Protection de l’accès à des données via une plate-forme, p. ex. par clés ou règles de contrôle de l’accès
• G06F 16/13 - Structures d’accès aux fichiers, p. ex. indices distribués
• G06F 16/245 - Traitement des requêtes
• 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 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p. ex. cartes à puces ou cartes magnétiques

Abrégé

A method of determining a fraud network comprising: receiving address information regarding a first address; determining, using an address risk machine learning model, a first address risk score associated with the first address; identifying a first entity associated with the first address based on the first address risk score; determining at least one of a second address and a second entity associated with the first entity; and generating a fraud network profile including the first address, and the at least one of the second address and second entity.

Classes IPC  ?

• H04L 9/40 - Protocoles réseaux de sécurité
• H04L 41/16 - Dispositions pour la maintenance, l’administration ou la gestion des réseaux de commutation de données, p. ex. des réseaux de commutation de paquets en utilisant l'apprentissage automatique ou l'intelligence artificielle

Abrégé

A computer-implemented method including receiving, at a system and from a mobile device being used by a consumer to pay for one or more items to be purchased from a merchant by the consumer for a payment amount, a request comprising a merchant identifier associated with the merchant. The method also can include determining, at the system and using the merchant account database, first information comprising a merchant account identifier for a merchant account of the merchant maintained by the merchant financial institution. The method also can include sending the first information from the system to the consumer financial institution. The method also can include receiving in real-time over a network, at the system and from the consumer financial institution, payment information regarding a payment to the merchant account from a consumer account of the consumer at the consumer financial institution to pay the merchant the payment amount for the one or more items. The method also can include sending in real-time over the network, from the system to the merchant, a notification of the payment from the consumer to the merchant. The merchant does not receive an account number of the consumer account of the consumer. The consumer does not receive an account number of the merchant account of the merchant.

Classes IPC  ?

• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• 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 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
• 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 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails

Produits et services

Business risk management; Business risk assessment services; Business risk management consultation; advisory services relating to business risk management Financial risk management; Financial risk management consultation; Financial risk assessment services; Payment and funds verification services; advisory services relating to financial risk management; financial account risk score services; financial transaction risk score services; benefits payments verification services Training services in the field of business risk management; Training services in the field of identification and identity verification; Training services in the field of financial risk management; Training services in the field of financial scams and fraudulent activity Software as a service (SaaS) services featuring software for business risk management; software as a service (SaaS) services featuring software for financial risk management; software as a service (SaaS) services featuring software for identification and identity verification; software as a service (SaaS) services featuring software for payment and funds verification; providing temporary use of non-downloadable software for financial risk management; providing temporary use of non-downloadable software for identification and identity verification; providing temporary use of non-downloadable software to help identify high-risk activity and attributes during financial transactions; providing temporary use of non-downloadable software for payment and funds verification; software as a service (SaaS) services featuring software to help identify high-risk activity and attributes during financial transactions

Produits et services

Promoting public awareness of financial frauds and scams Providing information about financial frauds and scams protection

Abrégé

The disclosure relates to determining dynamic scores associated with social tokens for senders and receivers in those events and using those scores to assess whether to allow or reject the event. Methods may include receiving data associated with a sender including a social token associated with the sender, receiving account data associated with a plurality of accounts maintained at the entities, generating a health score for the social token associated with the sender, receiving data associated with an event initiated by the sender using the P2P account associated with the sender, generating a health score for the social token associated with the receiver, determining a health score for the event, determining that the event should be approved or declined based on the health score for the event, and if declined locking the application at the network device associated with the sender.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

Disclosed herein is an identity network that provides a universal, digital identity for users to be authenticated by an identity provider for relying parties upon sign-in to the relying party. The identity network receives the sign-in request from a relying party for a user using a user device. The identity network can provide a session identifier to the relying party for the request and launch an identity provider application associated with the user via a software development kit in the relying party application. The user may sign-in to the identity provider via the software development kit, thereby authenticating the user for the relying party. Additionally, the identity provider may generate a risk validation score and provide it to the relying party that provides a confidence value that the user is validly using the user device and a risk score based on device activity on the identity network.

Classes IPC  ?

• G06F 21/31 - Authentification de l’utilisateur
• G06F 9/445 - Chargement ou démarrage de programme
• G06F 21/30 - Authentification, c.-à-d. détermination de l’identité ou de l’habilitation des responsables de la sécurité
• G06F 21/62 - Protection de l’accès à des données via une plate-forme, p. ex. par clés ou règles de contrôle de l’accès
• G06Q 40/03 - CréditsPrêtsLeur traitement
• H04L 9/08 - Répartition de clés
• H04L 9/40 - Protocoles réseaux de sécurité
• H04L 41/147 - Analyse ou conception de réseau pour prédire le comportement du réseau
• H04L 67/50 - Services réseau
• H04W 12/06 - Authentification

Produits et services

Downloadable software for identifying third-party software for facilitating secure payments and money transfers

Produits et services

Financial transaction services, namely, providing secure payment and money transfer options and electronic funds transfer by way of permitting account holders to make payment requests; payment processing services, namely, credit card, debit card, and banking account being electronic funds transfer transaction processing services; merchant services, namely, payment transaction processing services; financial transaction services, namely, providing secure commercial transaction options, secure commercial payment options, secure personal payment options, and secure electronic funds transfer options and electronic funds transfer by way of permitting account holders to make payment requests Providing temporary use of online non-downloadable software for making payment requests and for providing payment notifications and messages; providing temporary use of online non-downloadable software for making payment requests, namely, voice-controlled computer software for receiving voice commands for payment requests

Produits et services

Financial transaction services, namely, providing secure payment and money transfer options; payment processing services, namely, credit card and debit card transaction processing services, as well as banking account transaction processing being electronic transfer of money; merchant services, namely, payment transaction processing services; financial transaction services, namely, providing secure commercial transaction options, secure commercial payment options, secure personal payment options, and secure electronic funds transfer options Providing temporary use of online, non-downloadable software for making payment requests and for providing payment notifications and messages

Produits et services

Financial transaction services, namely, providing secure payment and money transfer options and permitting account holders to make payment requests; payment processing services, namely, credit card, debit card, and banking account transactions being electronic transaction processing services; merchant services, namely, payment transaction processing services; financial transaction services, namely, providing secure commercial transaction options, secure commercial payment options, secure personal payment options by way of permitting account holders to make payment requests Providing temporary use of online non-downloadable software for making payment requests and for providing payment notifications and messages

Abrégé

Described herein is an identity network for validating the digital identity of a user. The identity network may receive, from a relying party, an identity validation request to validate a digital identity of the user. The identity network may provide, to the relying party, a link associated with an identity provider application based on the identity validation request. The identity network may receive, from an identity provider associated with the identity provider application, a confirmation that the user has successfully accessed the identity provider application via the link. After receiving the confirmation, the identity network may receive from the identity provider, an attribute validation request to validate identity attributes of the user, where the attribute validation request includes a plurality of identity attributes of the user. The identity network may validate the digital identity of the user based on the plurality of identity attributes.

Classes IPC  ?

• H04L 9/40 - Protocoles réseaux de sécurité
• G06F 9/445 - Chargement ou démarrage de programme
• G06V 40/16 - Visages humains, p. ex. parties du visage, croquis ou expressions

Abrégé

Disclosed herein is an identity network that can provide a universal, digital identity for users that can be used to authenticate the user by an identity provider for relying parties to utilize for confirming the identity of the user during sign-up. The identity network receives a request from a relying party that includes deep linking to an identity provider selected by the user. The request specifies the user and any other information about the user the relying party is requesting. A service of the identity network launches the application for the identity provider on the user's device and the user logs into the identity provider's application, which provides the user authentication/validation and information about the user to the identity network. The identity network can then provide the information to the relying party, which the relying party can rely on for creating an account with the relying party for the user.

Classes IPC  ?

• G06F 21/31 - Authentification de l’utilisateur
• G06F 9/445 - Chargement ou démarrage de programme
• G06F 21/30 - Authentification, c.-à-d. détermination de l’identité ou de l’habilitation des responsables de la sécurité
• G06F 21/62 - Protection de l’accès à des données via une plate-forme, p. ex. par clés ou règles de contrôle de l’accès
• G06Q 40/03 - CréditsPrêtsLeur traitement
• H04L 9/08 - Répartition de clés
• H04L 9/40 - Protocoles réseaux de sécurité
• H04L 41/147 - Analyse ou conception de réseau pour prédire le comportement du réseau
• H04L 67/50 - Services réseau
• H04W 12/06 - Authentification

Produits et services

Financial transaction services, namely, providing secure payment and money transfer options and electronic funds transfer by way of permitting account holders to make payment requests; payment processing services, namely, credit card, debit card, and banking account being electronic funds transfer transaction processing services; merchant services, namely, payment transaction processing services; financial transaction services, namely, providing secure commercial transaction options, secure commercial payment options, secure personal payment options, and secure electronic funds transfer options and electronic funds transfer by way of permitting account holders to make payment requests Providing temporary use of online non-downloadable software for making payment requests and for providing payment notifications and messages; providing temporary use of online non-downloadable software for voice-controlled computer software for receiving voice commands for payment requests; Providing an interactive website featuring technology that allows account holders to make payment requests

Produits et services

Financial transaction services, namely, providing secure commercial transaction options and secure electronic funds transfers; processing of secure electronic wallet transactions Providing temporary use of on-line non-downloadable software for making financial transaction requests and for providing transaction notifications and messages; providing temporary use of on-line non-downloadable software for managing and verifying financial transactions; providing temporary use of on-line non-downloadable software for accessing, reading, and tracking information in the field of financial transactions; providing temporary use of on-line non-downloadable software for an electronic financial platform that accommodates multiple types of credit and debit transactions in an integrated mobile phone and/or web-based environment; providing temporary use of on-line non-downloadable software embedded into and used as a feature of mobile applications for managing and verifying financial transactions; application service provider (ASP) featuring e-commerce software for use as a transaction gateway that authorizes processing of credit or debit transactions for merchants

Abrégé

A method, using one or more processors, comprising receiving a first account identifier associated with a user of electronic data, determining a likelihood of fraudulent activity associated with the user based on the electronic data, determining an institution identifier associated with the user based on the first account identifier and at least in part on the likelihood of fraudulent activity, encrypting the institution identifier to an encrypted institution identifier and the first account identifier to an encrypted first account identifier, communicating, via a secure communications network, at least one of the encrypted institution identifier or the encrypted first account identifier to an account database, receiving, from the account database, noteworthy data associated with the user, determining a second account identifier based on the noteworthy data, and performing a responsive action based on the noteworthy data.

Classes IPC  ?

• G06F 21/55 - Détection d’intrusion locale ou mise en œuvre de contre-mesures