40 - Traitement de matériaux; recyclage, purification de l'air et traitement de l'eau
36 - Services financiers, assurances et affaires immobilières
41 - Éducation, divertissements, activités sportives et culturelles
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Billing services; business outsourcing services; business risk management; business risk management consultation; call center services, namely, operation and management of telephone, email, and chat communications centers for others; business consulting, namely, business management consulting, business marketing and advertising consulting, business consulting and information services; marketing consulting; advertising consulting; marketing and advertising services; business process re-engineering services; business administration of consumer loyalty programs for others; promoting the goods and services of others by means of the issuance of loyalty rewards cards; providing customer support services related to credit cards, debit cards, bank cards, stored value cards, prepaid gift cards, prepaid customer loyalty cards, electronic benefits cards, prepaid debit or credit cards, electronic check, electronic funds, and bill payment transactions in the nature of call assisting businesses with customer follow-up as it pertains to credit and debit cards, bank cards, stored value cards, prepaid gift cards, prepaid customer loyalty cards, electronic benefits cards, prepaid debit or credit cards, electronic checks, electronic funds and bill payment transactions to improve customer outcomes and satisfaction through the use of telecommunication devices and computer networks with automated interaction and data feedback, monitoring and compilation capacity; conducting user incentive programs relating to the use of credit cards, debit cards, bank cards, stored value cards, prepaid gift cards, prepaid customer loyalty cards, electronic benefits cards, and prepaid debit or credit cards, namely, promoting the sale of credit card accounts through the administration of incentive award programs, and promoting the sale of goods and services of others by means of contests and incentive award programs Telecommunications, namely, call center services in the nature of routing and queuing telephone calls, emails, chat requests, and other forms of communications; providing electronic transmission of credit card, debit card, bank card, stored value card, prepaid gift card, prepaid customer loyalty card, electronic benefits card, prepaid credit or debit card, electronic check and electronic funds transaction data and electronic payment data via a global computer network; providing electronic delivery and transmission of reports featuring credit card, debit card, bank card, stored value card, prepaid gift card, prepaid customer loyalty card, electronic benefits card, or prepaid credit and debit card transaction data and electronic payment processing data via a global computer network; automated teller machine (ATM), point-of-sale terminal, computer payment terminal, and mobile payment acceptance terminal operation services, namely, providing secure, encrypted access to a global computer payment network and telecommunications infrastructure used by bankcard association networks, merchants, and financial institutions, providing telecommunications connections to a global computer payment network used by automated teller machines (ATM), point-of-sale terminals, computer payment terminals, and mobile payment acceptance terminals Custom manufacture of blank credit cards, debit cards, bank cards, stored value cards, prepaid gift cards, prepaid customer loyalty cards, electronic benefits cards, and prepaid debit or credit cards to the order and specification of others Financial services, namely, ATM banking services; financial services in the nature of financial transaction processing, authorization, fraud checking and prevention, verification, namely, credit card and debit card transaction processing services, merchant services comprising payment transaction processing services, providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network, credit card authorization services, payment and funds verification services; financial services comprising payment processing services, electronic funds transfer, investment funds transfer and transaction services, and credit card, debit card, bank card, stored value card, prepaid gift card, prepaid customer loyalty card, electronic benefits card, prepaid debit or credit card payment and check processing, namely, loyalty program payment processing services, providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments, processing electronic payments made through prepaid cards, electronic payment services involving electronic processing and subsequent transmission of bill payment data, credit card and debit card payment processing services, processing electronic payments made through prepaid cards, check processing services; merchant services, namely, payment transaction processing services; financial risk management services provided in connection with credit cards, checks, wire transfers, deposits, account openings, and payments; financial consulting; investment and trust management services, namely, estate trust management, real estate investment trust management services, trust management accounts, investment management; wealth management services; credit risk management; fraud reimbursement services in the field of credit card purchases, debit card purchases, and electronic check purchases; loyalty program payment processing services; bill payment services; issuing credit cards, debit cards, bank cards, stored value cards, prepaid gift cards, prepaid customer loyalty cards, prepaid electronic benefits cards, and prepaid credit or debit cards; banking services; online banking services; credit card, debit card, bank card, stored value card, prepaid gift card, prepaid customer loyalty card, electronic benefits card, and prepaid credit or debit card implementation, namely, issuing credit cards, debit cards, bank cards, stored value cards, prepaid gift cards, prepaid customer loyalty cards, prepaid electronic benefits cards, and prepaid credit or debit cards; debt collection services, namely, collection of debts, debt recovery, and collection agencies; information, advisory, and consultancy services related to all the aforesaid services, namely, processing of contactless credit and debit card payments, providing financial information in the field of financial transaction and payment processing services, providing financial consulting services in the field of financial transaction and payment processing services; financial risk management services in the fields of electronic funds transfer, credit cards, debit cards, check transactions, and banking Educational services, namely, providing in-person or online educational and business training classes and workshops in the fields of the operation and management of banks, savings institutions, lenders, investment and trust companies, corporate capital market groups, credit unions, insurance companies, and other financial institutions and financial-services businesses; educational services, namely, providing educational and business training classes, seminars, and workshops in the fields of payment processing, financial transaction processing, electronic funds transfer and transaction services, payment terminals, and automated teller machines Computer software development, programming, and design for others; computer systems integration services; computer services, namely, integration of computer software into multiple systems and networks and computer systems integration services; computer software consulting for others; computer software installation, updating, and maintenance for others; technical support services, namely, troubleshooting of computer software problems; information technology consulting services relating to installation, maintenance, operation, and repair of computer software; website design, maintenance, hosting, and consulting, namely, design, creation, hosting, and maintenance of websites for others, web site design consultancy, consultancy with regard to webpage design; application service provider, namely, hosting computer software applications of others; providing quality assurance services in the fields of banking and financial services and operations; outsource service provider in the field of information technology relating to installation, maintenance, operation, and repair of computer software; providing temporary use of online, non-downloadable software for use in conducting financial transaction processing, authorization, and verification, processing financial payments, conducting and processing mobile payments, and detecting and preventing fraudulent financial transactions; providing temporary use of online, non-downloadable software for use in processing electronic payments, for conducting and processing electronic funds transfers, for conducting and processing treasury transactions, for check processing, for processing electronic billing and payment collection transactions, and for processing credit card, debit card, bank card, stored value card, prepaid gift card, prepaid customer loyalty card, electronic benefits card, and prepaid debit or credit card transactions; providing temporary use of online, non-downloadable software for use in evaluating and analyzing financial transactions for providing treasury management services; providing temporary use of online, non-downloadable software for use in evaluating and analyzing financial transactions for providing wealth management services; providing temporary use of online, non-downloadable software for use in evaluating and analyzing financial risk in the process of providing financial risk management; providing temporary use of online, non-downloadable software for use in the operation and management of banks, credit unions, savings institutions, lenders, investment and trust companies, insurance companies, and other financial institutions and financial-services businesses, and in the provision and rendering of banking and financial services; electronic monitoring of electronic funds transfers, credit and debit card activity, and electronic check and banking transactions to detect fraud via the internet; electronic monitoring in connection with deposits, account openings, payments, and employees to detect fraud via the internet, namely, electronic monitoring of credit card activity to detect fraud via the internet, electronic monitoring of electronic payments and payment activity to detect fraud via the internet, electronic monitoring of financial account openings to detect fraud via the internet, monitoring of computer systems for detecting unauthorized access or data breach; fraud detection services in the fields of electronic funds transfer, credit cards, debit cards, check transactions, and banking, namely, electronic monitoring of electronic funds transfers, credit and debit card activity, and electronic check and banking transactions to detect fraud via the internet; fraud detection services in connection with deposits, account openings, payments, and employees, namely, electronic monitoring of credit card activity to detect fraud via the internet, electronic monitoring of electronic payments and payment activity to detect fraud via the internet, electronic monitoring of financial account openings to detect fraud via the internet, electronic monitoring of online banking transactions to detect fraud via the internet; data encryption services; equipment leasing, namely, leasing of computer hardware and peripheral equipment for use in point of sale transactions; graphic design of credit cards, debit cards, bank cards, stored value cards, prepaid gift cards, prepaid customer loyalty cards, electronic benefits cards, and prepaid debit or credit cards for others; leasing and renting of point-of-sale terminals, computer payment terminals, mobile payment acceptance terminals, and other computerized electronic payment facilitating hardware
Systems and methods are provided for interacting with an Application Programming Interface (API) using a digital signature. In one embodiment, a system comprises one or more processors that execute the instructions to perform operations. The operations comprise receiving a digital signature from a requesting device, the digital signature comprising an array of one or more bits, wherein each position in the array is associated with a field in the database and with the data stored in the field of an API; identifying one or more requested fields; accessing the database to retrieve the information associated with the one or more requested fields, the information being associated with at least one API; and providing instructions to the requesting device, based on the retrieved information, causing the requesting application to use the API.
H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable computer software for providing banking and
financial services; downloadable computer software for
management of banking services partner relationships;
downloadable computer software for management of fund flows. Payment processing services, namely, physical and virtual
credit, debit, and prepaid card and credit, debit, and
prepaid electronic device transaction processing services;
stored value prepaid card services, namely, processing
electronic payments made through physical and virtual
prepaid cards; managed services, namely, financial
administration of physical and virtual credit, debit, and
prepaid card accounts and other payment accounts; managed
services, namely, fraud mitigation in the nature of fraud
reimbursement services for purchases made with physical and
virtual credit, debit, and prepaid card accounts and other
payment accounts; financial consulting services related to
the use by businesses of credit, debit, prepaid, and
deferred payment physical and virtual cards, codes, or
devices, and other forms of payment transactions. Enterprise-grade application service provider (ASP)
featuring online, non-downloadable application programming
interface (API) software for providing banking and financial
services to third parties; application services provider,
namely, hosting, managing, developing, and maintaining
software applications for others in the fields of banking,
consumer finance, financial intelligence, accounts payable
and receivable, and embedded finance; platform as a service
(PAAS) featuring an online, non-downloadable computer
software platform for management of banking services partner
relationships; platform as a service (PAAS) featuring an
online, non-downloadable computer software platform for
management of fund flows; electronic monitoring of physical
and virtual credit, debit, and prepaid card accounts and
other payment accounts to detect fraud via the internet.
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Billing services; Business outsourcing services; Business risk management; Business risk management consultation; Call center services, namely, operation and management of telephone, email, and chat communications centers for others; Business consulting; Marketing consulting; Advertising consulting; Marketing; Advertising; Business process re-engineering services; Business administration of consumer loyalty programs for others; Promoting the goods and services of others by means of the issuance of loyalty rewards cards; Providing customer support services related to credit card, debit card, bank card, stored value card, gift card, loyalty card, electronic benefits card, prepaid card, check, mobile, online, electronic funds, and bill payment transactions in the nature of call center support and customer assistant account information; Conducting user incentive programs relating to use of credit cards, debit cards, bank cards, stored value cards, gift cards, loyalty cards, electronic benefits cards, and prepaid cards Downloadable computer software used in financial transaction processing, authorization, and verification, payment processing, mobile payments, fraud checking and prevention, electronic payments, electronic funds transfer, check processing, treasury management, treasury transaction processing, funds transfer, billings, collections, credit card, debit card, bank card, stored value card, gift card, loyalty card, electronic benefits card, and prepaid card processing, wealth management, and financial risk management; Downloadable computer software used in the operation and management of banks, credit unions, savings institutions, lenders, investment and trust companies, insurance companies, and other financial institutions and financial services businesses, and in the rendering of banking and financial services; Downloadable computer software for providing banking services and financial services and products; Downloadable computer software for management of banking services partner relationships; Downloadable computer software for management of fund flows; Downloadable software for management of accounts receivable; Downloadable artificial intelligence software for credit management, credit application, credit monitoring, credit risk management, and credit card integration; Downloadable artificial intelligence software for deduction management; Downloadable artificial intelligence software for debt collection and collections management; Downloadable artificial intelligence software for cash application; Downloadable software for dispute management in the field of finance Financial services, namely, financial transaction processing, authorization, fraud checking and prevention, verification, payment processing, electronic funds transfer, investment fund transfer and transaction services, credit card, debit card, bank card, stored value card, gift card, loyalty card, electronic benefits card, prepaid card payment processing, and check processing; Merchant services, namely, payment transaction processing services; Payment processing services, namely, physical and virtual credit, debit, and prepaid card and credit, debit, and prepaid electronic device transaction processing services; Stored value prepaid card services, namely, processing electronic payments made through physical and virtual prepaid cards; Managed services, namely, financial administration of physical and virtual credit, debit, and prepaid card accounts and other payment accounts; Managed services, namely, fraud mitigation in the nature of fraud reimbursement services for purchases made with physical and virtual credit, debit, and prepaid card accounts and other payment accounts; Financial consulting services related to the use by businesses of credit, debit, prepaid, and deferred payment physical and virtual cards, codes, or devices, and other forms of payment transactions; Financial risk management services provided in connection with credit cards, checks, wire transfers, deposits, account openings, and payments; Financial consulting; Financial risk management services in the fields of electronic funds transfer, credit cards, debit cards, check transactions, and banking; Investment and trust management services; Wealth management services; Credit risk management; Fraud reimbursement services in the field of credit card purchases, debit card purchases, checks, electronic payments, and electronic transfers; Loyalty program payment processing services; Bill payment services; Issuing credit cards, debit cards, bank cards, stored value cards, gift cards, loyalty cards, electronic benefits cards, and prepaid cards; Banking services; Online banking services; Credit card, debit card, bank card, stored value card, gift card, loyalty card, electronic benefits card, and prepaid card design and implementation; Debt collection services; Information, advisory, and consultancy services related to all the aforesaid services Software as a Service (SaaS) services, namely, for management of accounts receivable; Software as a Service (SaaS) services, namely, for credit management, credit application, credit monitoring, credit risk management, and credit card integration; Software as a Service (SaaS) services, namely, for deduction management; Software as a Service (SaaS) services, namely, for debt collection and collections management; Software as a Service (SaaS) services, namely, for cash application; Software as a Service (SaaS) services, namely, for dispute management in the field of finance; Providing temporary use of on-line, non-downloadable software for management of accounts receivable; Providing temporary use of on-line, non-downloadable software and artificial intelligence software for credit management, credit application, credit monitoring, credit risk management, and credit card integration; Providing temporary use of on-line, non-downloadable software and artificial intelligence software for deduction management; Providing temporary use of on-line, non-downloadable software and artificial intelligence software for debt collection and collections management; Providing temporary use of on-line, non-downloadable software and artificial intelligence software for cash application; Providing temporary use of on-line, non-downloadable software for dispute management in the field of finance; Enterprise-grade application service provider (ASP) featuring online, non-downloadable application programming interface (API) software for providing banking and financial services to third parties; Application services provider (ASP), namely, hosting, managing, developing, and maintaining software applications for others in the fields of banking, consumer finance, financial intelligence, accounts payable and receivable, and embedded finance; Platform as a service (PAAS) services featuring an online, non-downloadable computer software platform for management of banking services partner relationships; Platform as a service (PAAS) services featuring an online, non-downloadable computer software platform for management of fund flows; Platform as a service (PAAS) services featuring an online, non-downloadable computer software platform for fraud checking and prevention; Fraud protection and detection services in the nature of electronic monitoring of credit, debit, and prepaid card activities and other payment account activities via the internet for fraud mitigation and anti-money laundering purposes; Providing online, non-downloadable software for use in providing banking services and financial services and products; Software as a service (SAAS) services for use in providing banking services and financial services and products; Application service provider (ASP) services, namely, hosting computer software applications of others in the fields of banking and financial services; Computer software development, programming, and design for others; Computer systems integration services; Computer design and development services, namely, integration of computer software and systems integration; Computer software consulting; Computer software installation, updating, and maintenance; Technical support services, namely, troubleshooting of computer software problems for others; Information technology consulting; Website design, maintenance, hosting, and consulting; Application service provider (ASP) services, namely, hosting computer software applications of others; Providing quality assurance services in the fields of banking and financial services and operations; Outsource service provider in the field of information technology; Providing online, non-downloadable software for use in financial transaction processing, authorization, and verification, payment processing, mobile payments, fraud checking and prevention, electronic payments, electronic funds transfer, check processing, treasury management, treasury transaction processing, funds transfer, billings, collections, credit card, debit card, bank card, stored value card, gift card, loyalty card, electronic benefits card, and prepaid card processing, and wealth management; Providing online, non-downloadable software for use in the operation and management of banks, credit unions, savings institutions, lenders, investment and trust companies, insurance companies, and other financial institutions and financial services businesses, and in the rendering of banking and financial services; Electronic monitoring of electronic funds transfers, credit cards, debit cards, check transactions, and banking; Electronic monitoring in connection with deposits, account openings, payments, and employees to detect fraud via the internet; Risk management services in the fields of electronic funds transfer, credit cards, debit cards, check transactions, and banking; Data encryption services; Graphic design and computer aided design manufacturing of credit cards, debit cards, bank cards, stored value cards, gift cards, loyalty cards, electronic benefits cards, and prepaid cards for others
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable computer software for providing banking and
financial services; downloadable computer software for
management of banking services partner relationships;
downloadable computer software for management of fund flows. Payment processing services, namely, physical and virtual
credit, debit, and prepaid card and credit, debit, and
prepaid electronic device transaction processing services;
stored value prepaid card services, namely, processing
electronic payments made through physical and virtual
prepaid cards; managed services, namely financial
administration of physical and virtual credit, debit, and
prepaid card accounts and other payment accounts; managed
services, namely, fraud mitigation in the nature of fraud
reimbursement services for purchases made with physical and
virtual credit, debit, and prepaid card accounts and other
payment accounts; financial consulting services related to
the use by businesses of credit, debit, prepaid, and
deferred payment physical and virtual cards, codes, or
devices, and other forms of payment transactions. Enterprise-grade application service provider (ASP)
featuring online, non-downloadable application programming
interface (API) software for providing banking and financial
services to third parties; application services provider,
namely, hosting, managing, developing, and maintaining
software applications for others in the fields of banking,
consumer finance, financial intelligence, accounts payable
and receivable, and embedded finance; platform as a service
(PAAS) featuring an online, non-downloadable computer
software platform for management of banking services partner
relationships; platform as a service (PAAS) featuring an
online, non-downloadable computer software platform for
management of fund flows; electronic monitoring of physical
and virtual credit, debit, and prepaid card accounts and
other payment accounts to detect fraud via the internet.
6.
SYSTEMS AND METHODS FOR MANAGEMENT OF MULTI-TENANCY DATA ANALYTICS PLATFORMS
A data analytics system configured to perform operations is disclosed. The operations can include creating, in response to instructions received from a user, a first pipeline. This pipeline can be configured to extract data from an append-only first data store, extract identifying characteristics from the extracted data, provide the identifying characteristics to an identity service, and receive a tenancy identifier from the identity service. The pipeline can further be configured to create a data object in a second data store using the extracted data; create a tenancy object in a metadata store, the tenancy object associated with the data object, the metadata store implementing a hierarchical data object ownership graph; and associate the tenancy object with a parent object in the hierarchical data object ownership graph. The data analytics system can then tear down the first pipeline.
G06F 21/54 - Contrôle des usagers, programmes ou dispositifs de préservation de l’intégrité des plates-formes, p.ex. des processeurs, des micrologiciels ou des systèmes d’exploitation au stade de l’exécution du programme, p.ex. intégrité de la pile, débordement de tampon ou prévention d'effacement involontaire de données par ajout de routines ou d’objets de sécurité aux programmes
The present disclosure involves systems and methods for identity authentication across multiple institutions using a trusted mobile device as a proxy for a user login. In one example, the operations include identifying a request to trust a particular user associated with a first entity in a digital ID network. A set of personally identifiable information (PII) associated with the user is obtained via the first entity and an identity verification (IDV)/fraud risk analysis is performed. In response to satisfying the analysis, instructions are transmitted to the user to verify the identity via a mobile trust application on an associated mobile device. Upon verification, the mobile device is bound to the user within the digital ID network along with a digital ID associated with the particular user. The digital ID can be used by other entities registered within the digital ID network to authenticate the user.
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
G06K 7/10 - Méthodes ou dispositions pour la lecture de supports d'enregistrement par radiation corpusculaire
G06K 7/14 - Méthodes ou dispositions pour la lecture de supports d'enregistrement par radiation corpusculaire utilisant la lumière sans sélection des longueurs d'onde, p.ex. lecture de la lumière blanche réfléchie
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 30/018 - Certification d’entreprises ou de produits
H04L 67/53 - Services réseau en utilisant des fournisseurs tiers de services
Systems and methods are disclosed for generating a dynamic customized script to facilitate communication between a user and a service provider. The method includes receiving, via an interactive voice response (IVR) system, a request from a mobile device associated with at least one user. The contextual information associated with at least one user is processed, in real-time, based, at least in part, on the request. A dynamic customized script specific to the request is generated, in real-time, based, at least in part, on the processing of the contextual information. The request is routed, via the IVR system, to an agent from a pool of agents of the service provider. A presentation of the dynamic customized script is generated in a user interface of a device associated with the agent, wherein the dynamic customized script is step-by-step guidance to the agent for handling the request of at least one user.
Methods and systems for testing of at least one computer application include receiving from a user a monitoring request; selecting a script; performing at least one automation test with at least one automation application; requesting analytic data from at least one computer application; receiving analytic data associated with the at least one computer application; determining response data of the at least one computer application by inputting the analytic data to a comparison model determined based on an analysis technique configured to detect a failure by the at least one computer application; and generating a report based on an output of the analysis technique if the failure by the at least one computer application is detected.
09 - Appareils et instruments scientifiques et électriques
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
(1) Software for management of accounts receivable; Software and artificial intelligence software for credit management, credit application, credit monitoring , credit risk management and credit card integration; Software and artificial intelligence software for deduction management; Software and artificial intelligence software for debt collection and collections management; Software and artificial intelligence software for cash application; Software for dispute management in the field of finance (1) Software as a Service (SaaS), namely for management of accounts receivable; Software as a Service (SaaS), namely, for credit management, credit application, credit monitoring, credit risk management and credit card integration; Software as a Service (SaaS), namely, for deduction management; Software as a Service (SaaS), namely, for debt collection and collections management; Software as a Service (SaaS), namely, for cash application; Software as a Service (SaaS), namely, for dispute management in the field of finance; Providing temporary use of on-line non-downloadable software for management of accounts receivable; Providing temporary use of on-line non-downloadable software and artificial intelligence software for credit management, credit application, credit monitoring, credit risk management and credit card integration; Providing temporary use of on-line non-downloadable software and artificial intelligence software for deduction management; Providing temporary use of on-line non-downloadable software and artificial intelligence software for debt collection and collections management; Providing temporary use of on-line non-downloadable software and artificial intelligence software for cash application; Providing temporary use of on-line non-downloadable software for dispute management in the field of finance
11.
COMPUTER-IMPLEMENTED SYSTEMS AND METHODS FOR A PRE-NOTE-ENABLED FILTERED TRANSACTIONS PROCESS
Systems and methods are disclosed for a pre-note process in an online communication. The method includes receiving a request from an access device. The request is processed to determine a request type and a request content. The pre-note process is initiated for the request based on the request type and the request content, wherein a pre-note includes access device information, a reference identification, and/or item details for categorization. The one or more items associated with the request are categorized into one or more categories based on the pre-note. The request is executed based on one or more categories.
Systems and methods are disclosed for a pre-note process in an online communication. The method includes receiving a request from an access device. The request is processed to determine a request type and a request content. The pre-note process is initiated for the request based on the request type and the request content, wherein a pre-note includes access device information, a reference identification, and/or item details for categorization. The one or more items associated with the request are categorized into one or more categories based on the pre-note. The request is executed based on one or more categories.
G06Q 30/0226 - Systèmes d’incitation à un usage fréquent, p.ex. programmes de miles pour voyageurs fréquents ou systèmes de points
G06Q 20/28 - Schémas de prépaiement, c. à d. de "paiement préalable"
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
13.
SYSTEMS AND METHODS FOR PROCESSING TRANSACTION DISPUTES AND PROCESSING TRANSACTIONS ASSOCIATED WITH COMPROMISED ACCOUNTS
The present disclosure provides systems and methods for computerized methods and systems for processing transaction disputes and processing transactions associated with compromised accounts. According to one exemplary method, a server receives, from a user device, an instruction for disputing a transaction associated with a user account. The server can initiate, based on a record of the transaction, a dispute investigation, and issue provisional credit to the user account for the transaction. Based on a transaction history associated with the user account, the server can determine a plurality of expected transactions associated with the user account and cause the determined expected transactions to be displayed on the user device. After receiving a transaction authorization for at least one of the plurality of expected transactions, the server can process payments for the at least one of the plurality of expected transactions, and generate a notification indicating a status of the dispute investigation.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
Systems and methods are disclosed for data processing, data verification, and categorization of items. The method includes receiving a request from a first sub-system, wherein the request includes a plurality of data associated with an access device. Determining the first sub-system and/or the access device has the authorization to access a service. Determining contextual data of one or more purses associated with the access device and/or status of the first sub-system, wherein the contextual data includes an expiration date and/or rules associated with the one or more purses. Transmitting the request to a second sub-system based on the contextual data and/or the status of the first sub-system for categorizing one or more items associated with the request into one or more categories. Executing the request based on one or more categories.
Systems and methods are disclosed for data processing, data verification, and categorization of items. The method includes receiving a request from a first sub-system, wherein the request includes a plurality of data associated with an access device. Determining the first sub-system and/or the access device has the authorization to access a service. Determining contextual data of one or more purses associated with the access device and/or status of the first sub-system, wherein the contextual data includes an expiration date and/or rules associated with the one or more purses. Transmitting the request to a second sub-system based on the contextual data and/or the status of the first sub-system for categorizing one or more items associated with the request into one or more categories. Executing the request based on one or more categories.
G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
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 magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
(1) Downloadable computer software for providing banking and financial services; downloadable computer software for management of banking services partner relationships; downloadable computer software for management of fund flows. (1) Payment processing services, namely, physical and virtual credit, debit, and prepaid card and credit, debit, and prepaid electronic device transaction processing services; stored value prepaid card services, namely, processing electronic payments made through physical and virtual prepaid cards; managed services, namely, financial administration of physical and virtual credit, debit, and prepaid card accounts and other payment accounts; managed services, namely, fraud mitigation in the nature of fraud reimbursement services for purchases made with physical and virtual credit, debit, and prepaid card accounts and other payment accounts; financial consulting services related to the use by businesses of credit, debit, prepaid, and deferred payment physical and virtual cards, codes, or devices, and other forms of payment transactions.
(2) Enterprise-grade application service provider (ASP) featuring online, non-downloadable application programming interface (API) software for providing banking and financial services to third parties; application services provider, namely, hosting, managing, developing, and maintaining software applications for others in the fields of banking, consumer finance, financial intelligence, accounts payable and receivable, and embedded finance; platform as a service (PAAS) featuring an online, non-downloadable computer software platform for management of banking services partner relationships; platform as a service (PAAS) featuring an online, non-downloadable computer software platform for management of fund flows; electronic monitoring of physical and virtual credit, debit, and prepaid card accounts and other payment accounts to detect fraud via the internet.
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
(1) Downloadable computer software for providing banking and financial services; downloadable computer software for management of banking services partner relationships; downloadable computer software for management of fund flows. (1) Payment processing services, namely, physical and virtual credit, debit, and prepaid card and credit, debit, and prepaid electronic device transaction processing services; stored value prepaid card services, namely, processing electronic payments made through physical and virtual prepaid cards; managed services, namely financial administration of physical and virtual credit, debit, and prepaid card accounts and other payment accounts; managed services, namely, fraud mitigation in the nature of fraud reimbursement services for purchases made with physical and virtual credit, debit, and prepaid card accounts and other payment accounts; financial consulting services related to the use by businesses of credit, debit, prepaid, and deferred payment physical and virtual cards, codes, or devices, and other forms of payment transactions.
(2) Enterprise-grade application service provider (ASP) featuring online, non-downloadable application programming interface (API) software for providing banking and financial services to third parties; application services provider, namely, hosting, managing, developing, and maintaining software applications for others in the fields of banking, consumer finance, financial intelligence, accounts payable and receivable, and embedded finance; platform as a service (PAAS) featuring an online, non-downloadable computer software platform for management of banking services partner relationships; platform as a service (PAAS) featuring an online, non-downloadable computer software platform for management of fund flows; electronic monitoring of physical and virtual credit, debit, and prepaid card accounts and other payment accounts to detect fraud via the internet.
18.
SYSTEMS AND METHODS FOR PROVIDING CLOUD COMPUTING SEMANTIC LAYER OPERATIONS
The disclosed embodiments include a method for providing cloud computing semantic layer. The method comprises receiving a description of a semantic layer operation performed by a semantic layer, the description including multiple implementations of the semantic layer operation, the multiple implementations differing in at least one of cloud operations used or cloud computing platforms used; receiving a request that indicates performance of the semantic layer operation; receiving first resource usage indications corresponding to the cloud operations, wherein the first resource usage indications comprise direct or indirect indications of least one of a storage amount, a compute amount, a number of transactions, a bandwidth, a number of application programming interface calls, or an application or database type associated with each of the cloud operations; selecting a first one of the multiple implementations; and communicating with the first one of the cloud providers to perform the semantic layer operation.
H04L 43/55 - Test de la qualité du niveau de service, p.ex. simulation de l’utilisation du service
H04L 67/63 - 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 en acheminant une demande de service en fonction du contenu ou du contexte de la demande
19.
SYSTEMS AND METHODS FOR CONTACTLESS AUTHENTICATION USING VOICE RECOGNITION
Systems and methods for contactless authorization using voice recognition is disclosed. The system may include one or more memory units storing instructions and one or more processors configured to execute the instructions to perform operations. The operations may include receiving user data comprising a user identifier, an audio data having a first data format, and a client device identifier. The operations may include generating a processed audio data based on the received audio data. The processed audio data may have a second data format. The operations may include transmitting, to a speech module, the processed audio data. The operations may include receiving from the speech module, a voice match result. In some embodiments, the operations include authenticating a user based on the voice match result and transmitting, to a client device associated with the client device identifier, a client notification comprising a result of the authentication.
Disclosed herein are systems and methods for managing transaction disputes. Techniques include accessing a transaction pattern model associated with a user account; detecting deviation of a transaction from the transaction pattern model; transmitting, based on the detected deviation, transaction data to a user device; receiving an input at the user device in response to the transmitted data; generating, based on the received input, dispute data; storing the dispute data; monitoring data extracts associated with the user account; detecting, based on the monitoring, a data extract indicating a posted state of a transaction associated with the dispute data; and updating the dispute data based on the data extract indicating the posted state.
Systems, methods, and computer-readable media are provided for processing and settling financial transactions. An example method comprises receiving a transaction from an originator. The transaction comprises information associated with an identification of an initiating user or the account. The method comprises determining the actual account number, transmitting a financial services transaction request comprising the actual account number to a financial institution, receiving a response, and transmitting a response back to the originator. Another method comprises receiving, from a user device, a request to associate a financial account with a user account. The method comprises generating and sending an association message to a payment network and receiving a key associated with the financial account for use in initiating financial transactions. Another method comprises utilizing such a key to generate and process a transaction request. Other systems, methods, and media are also provided.
G06Q 20/38 - Architectures, 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 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
22.
CONFIRMING AUTHENTICITY OF A USER TO A THIRD-PARTY SYSTEM
A telecommunications network server system provides a digital identifier to a user device. The digital identifier may include identification data corresponding to a user of the user device. In addition, the telecommunications network server system receives, from one or more third-party systems, requests to authenticate the user for an electronic transaction with the respective third-party system. The telecommunications network server system provides a unique electronic transaction code to each third-party system. Responsive to receiving from the user device one of the unique electronic transaction codes, the telecommunications network server system provides, to the respective third-party system, authentication of the user.
H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
Systems and methods for managing change requests are disclosed. A system for managing change requests may include a memory storing instructions and at least one processor configured to execute instructions to perform operations including: receiving, from a client device, a change request; routing the change request to a first similarity determination pipeline, based on the first classification, identifying an implementation device; and transmitting the change request to the implementation device. The first similarity determination pipeline may be configured to: extract at least one first request element from the change request; determine a first group of change requests based on the at least one first extracted request element; determine a first similarity metric between the change request and the first group of change requests; and determine a first classification of the change request based on the first similarity metric.
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Online software for use in providing banking services and financial services and products; software as a service (SAAS) services for use in providing banking services and financial services and products; application service provider (ASP), namely, hosting computer software applications of others in the fields of banking and financial services
42 - Services scientifiques, technologiques et industriels, recherche et conception
09 - Appareils et instruments scientifiques et électriques
Produits et services
Online non-downloadable software for use in providing banking services and financial services and financial products; software as a service (SAAS) services featuring software for use in providing banking services and financial services and financial products; application service provider (ASP), namely, hosting computer software applications of others in the fields of banking and financial services Downloadable computer software for providing banking services and financial services and products
26.
SYSTEMS AND METHODS FOR USING MACHINE LEARNING TECHNIQUES TO PREDICT ITEM GROUP COMPOSITION
Systems and methods for predicting item group composition are disclosed. A system for predicting item group composition may include a memory storing instructions and at least one processor configured to execute instructions to perform operations including: receiving entity identification information and a timestamp associated with a transaction without receiving information distinguishing items associated with the transaction; determining, based on the entity identification information, a localized machine learning model trained to predict categories of items based on transaction information applying to all of the items associated with the transaction; and applying the localized machine learning model to a model input to generate predicted categories of items associated with the transaction, the model input including the received entity identification information and a timestamp but not including information distinguishing items associated with the transaction.
Systems and methods for developing temporal behavioral profiles are disclosed. A system for developing temporal behavioral profiles may include a memory storing instructions and at least one processor configured to execute instructions to perform operations including: receiving first transaction information; determining that the first transaction information shares a threshold amount of attributes with second transaction information; based on the determination that the first transaction information shares a threshold amount of attributes with the second transaction information, determining that the first transaction information and the second transaction information are associated with a single purchaser; constructing a temporal behavioral profile for the single purchaser based on the first transaction information and the second transaction information, the temporal behavioral profile being configured for predicting at least one future transaction associated with the single purchaser; and predicting the at least one future transaction associated with the single purchaser using the temporal behavioral profile.
Systems and methods for predicting item group composition are disclosed. A system for predicting item group composition may include a memory storing instructions and at least one processor configured to execute instructions to perform operations including: receiving entity identification information and a timestamp associated with a transaction without receiving information distinguishing items associated with the transaction; determining, based on the entity identification information, a localized machine learning model trained to predict categories of items based on transaction information applying to all of the items associated with the transaction; and applying the localized machine learning model to a model input to generate predicted categories of items associated with the transaction, the model input including the received entity identification information and a timestamp but not including information distinguishing items associated with the transaction.
Systems and methods are provided for processing cardless financial transactions at transaction devices such as Automated Teller Machines. An example method comprises receiving a transaction request including at least one transaction parameter and receiving a substitute value representing an account for processing the transaction request. The substitute value is distinct from an account number associated with the account. The method further comprises sending the at least one transaction parameter and the substitute value to a payment network associated with the substitute value and completing the transaction request. A second method comprises receiving a transaction request with at least one transaction parameter and a substitute value. The second method further comprises determining account credentials associated with the substitute value using the account credentials.
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
40 - Traitement de matériaux; recyclage, purification de l'air et traitement de l'eau
36 - Services financiers, assurances et affaires immobilières
41 - Éducation, divertissements, activités sportives et culturelles
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Billing services; business outsourcing services; business risk management; business risk management consultation; call center services, namely, operation and management of telephone, email, and chat communications centers for others; business consulting, namely, business management consulting, business marketing and advertising consulting, business consulting and information services; marketing consulting; advertising consulting; marketing and advertising services; business process re-engineering services; business administration of consumer loyalty programs for others; promoting the goods and services of others by means of the issuance of loyalty rewards cards; providing customer support services related to credit cards, debit cards, bank cards, stored value cards, prepaid gift cards, prepaid customer loyalty cards, electronic benefits cards, prepaid debit or credit cards, electronic check, electronic funds, and bill payment transactions in the nature of call assisting businesses with customer follow-up as it pertains to credit and debit cards, bank cards, stored value cards, prepaid gift cards, prepaid customer loyalty cards, electronic benefits cards, prepaid debit or credit cards, electronic checks, electronic funds and bill payment transactions to improve customer outcomes and satisfaction through the use of telecommunication devices and computer networks with automated interaction and data feedback, monitoring and compilation capacity; conducting user incentive programs relating to the use of credit cards, debit cards, bank cards, stored value cards, prepaid gift cards, prepaid customer loyalty cards, electronic benefits cards, and prepaid debit or credit cards, namely, promoting the sale of credit card accounts through the administration of incentive award programs, and promoting the sale of goods and services of others by means of contests and incentive award programs Telecommunications, namely, call center services in the nature of routing and queuing telephone calls, emails, chat requests, and other forms of communications; providing electronic transmission of credit card, debit card, bank card, stored value card, prepaid gift card, prepaid customer loyalty card, electronic benefits card, prepaid credit or debit card, electronic check and electronic funds transaction data and electronic payment data via a global computer network; providing electronic delivery and transmission of reports featuring credit card, debit card, bank card, stored value card, prepaid gift card, prepaid customer loyalty card, electronic benefits card, or prepaid credit and debit card transaction data and electronic payment processing data via a global computer network; automated teller machine (ATM), point-of-sale terminal, computer payment terminal, and mobile payment acceptance terminal operation services, namely, providing secure, encrypted access to a global computer payment network and telecommunications infrastructure used by bankcard association networks, merchants, and financial institutions, providing telecommunications connections to a global computer payment network used by automated teller machines (ATM), point-of-sale terminals, computer payment terminals, and mobile payment acceptance terminals Custom manufacture of blank credit cards, debit cards, bank cards, stored value cards, prepaid gift cards, prepaid customer loyalty cards, electronic benefits cards, and prepaid debit or credit cards to the order and specification of others Financial services, namely, ATM banking services; financial services in the nature of financial transaction processing, authorization, fraud checking and prevention, verification, namely, credit card and debit card transaction processing services, merchant services comprising payment transaction processing services, providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network, credit card authorization services, payment and funds verification services; financial services comprising payment processing services, electronic funds transfer, investment funds transfer and transaction services, and credit card, debit card, bank card, stored value card, prepaid gift card, prepaid customer loyalty card, electronic benefits card, prepaid debit or credit card payment and check processing, namely, loyalty program payment processing services, providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments, processing electronic payments made through prepaid cards, electronic payment services involving electronic processing and subsequent transmission of bill payment data, credit card and debit card payment processing services, processing electronic payments made through prepaid cards, check processing services; merchant services, namely, payment transaction processing services; financial risk management services provided in connection with credit cards, checks, wire transfers, deposits, account openings, and payments; financial consulting; investment and trust management services, namely, estate trust management, real estate investment trust management services, trust management accounts, investment management; wealth management services; credit risk management; fraud reimbursement services in the field of credit card purchases, debit card purchases, and electronic check purchases; loyalty program payment processing services; bill payment services; issuing credit cards, debit cards, bank cards, stored value cards, prepaid gift cards, prepaid customer loyalty cards, prepaid electronic benefits cards, and prepaid credit or debit cards; banking services; online banking services; credit card, debit card, bank card, stored value card, prepaid gift card, prepaid customer loyalty card, electronic benefits card, and prepaid credit or debit card implementation, namely, issuing credit cards, debit cards, bank cards, stored value cards, prepaid gift cards, prepaid customer loyalty cards, prepaid electronic benefits cards, and prepaid credit or debit cards; debt collection services, namely, collection of debts, debt recovery, and collection agencies; information, advisory, and consultancy services related to all the aforesaid services, namely, processing of contactless credit and debit card payments, providing financial information in the field of financial transaction and payment processing services, providing financial consulting services in the field of financial transaction and payment processing services; financial risk management services in the fields of electronic funds transfer, credit cards, debit cards, check transactions, and banking Educational services, namely, providing in-person or online educational and business training classes and workshops in the fields of the operation and management of banks, savings institutions, lenders, investment and trust companies, corporate capital market groups, credit unions, insurance companies, and other financial institutions and financial-services businesses; educational services, namely, providing educational and business training classes, seminars, and workshops in the fields of payment processing, financial transaction processing, electronic funds transfer and transaction services, payment terminals, and automated teller machines Computer software development, programming, and design for others; computer systems integration services; computer services, namely, integration of computer software into multiple systems and networks and computer systems integration services; computer software consulting for others; computer software installation, updating, and maintenance for others; technical support services, namely, troubleshooting of computer software problems; information technology consulting services relating to installation, maintenance, operation, and repair of computer software; website design, maintenance, hosting, and consulting, namely, design, creation, hosting, and maintenance of websites for others, web site design consultancy, consultancy with regard to webpage design; application service provider, namely, hosting computer software applications of others; providing quality assurance services in the fields of banking and financial services and operations; outsource service provider in the field of information technology relating to installation, maintenance, operation, and repair of computer software; providing temporary use of online, non-downloadable software for use in conducting financial transaction processing, authorization, and verification, processing financial payments, conducting and processing mobile payments, and detecting and preventing fraudulent financial transactions; providing temporary use of online, non-downloadable software for use in processing electronic payments, for conducting and processing electronic funds transfers, for conducting and processing treasury transactions, for check processing, for processing electronic billing and payment collection transactions, and for processing credit card, debit card, bank card, stored value card, prepaid gift card, prepaid customer loyalty card, electronic benefits card, and prepaid debit or credit card transactions; providing temporary use of online, non-downloadable software for use in evaluating and analyzing financial transactions for providing treasury management services; providing temporary use of online, non-downloadable software for use in evaluating and analyzing financial transactions for providing wealth management services; providing temporary use of online, non-downloadable software for use in evaluating and analyzing financial risk in the process of providing financial risk management; providing temporary use of online, non-downloadable software for use in the operation and management of banks, credit unions, savings institutions, lenders, investment and trust companies, insurance companies, and other financial institutions and financial-services businesses, and in the provision and rendering of banking and financial services; electronic monitoring of electronic funds transfers, credit and debit card activity, and electronic check and banking transactions to detect fraud via the internet; electronic monitoring in connection with deposits, account openings, payments, and employees to detect fraud via the internet, namely, electronic monitoring of credit card activity to detect fraud via the internet, electronic monitoring of electronic payments and payment activity to detect fraud via the internet, electronic monitoring of financial account openings to detect fraud via the internet, monitoring of computer systems for detecting unauthorized access or data breach; fraud detection services in the fields of electronic funds transfer, credit cards, debit cards, check transactions, and banking, namely, electronic monitoring of electronic funds transfers, credit and debit card activity, and electronic check and banking transactions to detect fraud via the internet; fraud detection services in connection with deposits, account openings, payments, and employees, namely, electronic monitoring of credit card activity to detect fraud via the internet, electronic monitoring of electronic payments and payment activity to detect fraud via the internet, electronic monitoring of financial account openings to detect fraud via the internet, electronic monitoring of online banking transactions to detect fraud via the internet; data encryption services; equipment leasing, namely, leasing of computer hardware and peripheral equipment for use in point of sale transactions; graphic design of credit cards, debit cards, bank cards, stored value cards, prepaid gift cards, prepaid customer loyalty cards, electronic benefits cards, and prepaid debit or credit cards for others; leasing and renting of point-of-sale terminals, computer payment terminals, mobile payment acceptance terminals, and other computerized electronic payment facilitating hardware
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable computer software for providing banking and financial services; downloadable computer software for management of banking services partner relationships; downloadable computer software for management of fund flows Payment processing services, namely, physical and virtual credit, debit, and prepaid card and credit, debit, and prepaid electronic device transaction processing services; stored value prepaid card services, namely, processing electronic payments made through physical and virtual prepaid cards; managed services, namely, financial administration of physical and virtual credit, debit, and prepaid card accounts and other payment accounts; managed services, namely, fraud mitigation in the nature of fraud reimbursement services for purchases made with physical and virtual credit, debit, and prepaid card accounts and other payment accounts; financial consulting services related to the use by businesses of credit, debit, prepaid, and deferred payment physical and virtual cards, codes, or devices, and other forms of payment transactions Enterprise-grade application service provider (ASP) featuring online, non-downloadable application programming interface (API) software for providing banking and financial services to third parties; application services provider, namely, hosting, managing, developing, and maintaining software applications for others in the fields of banking, consumer finance, financial intelligence, accounts payable and receivable, and embedded finance; platform as a service (PAAS) featuring an online, non-downloadable computer software platform for management of banking services partner relationships; platform as a service (PAAS) featuring an online, non-downloadable computer software platform for management of fund flows; platform as a service (PAAS) services featuring an online, non-downloadable computer software platform for fraud checking and prevention; fraud protection and detection services in the nature of electronic monitoring of credit, debit, and prepaid card activities and other payment account activities via the internet for fraud mitigation and anti-money laundering purposes
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable computer software for providing banking and financial services; downloadable computer software for management of banking services partner relationships; downloadable computer software for management of fund flows Payment processing services, namely, physical and virtual credit, debit, and prepaid card and credit, debit, and prepaid electronic device transaction processing services; stored value prepaid card services, namely, processing electronic payments made through physical and virtual prepaid cards; managed services, namely, financial administration of physical and virtual credit, debit, and prepaid card accounts and other payment accounts; managed services, namely, fraud mitigation in the nature of fraud reimbursement services for purchases made with physical and virtual credit, debit, and prepaid card accounts and other payment accounts; financial consulting services related to the use by businesses of credit, debit, prepaid, and deferred payment physical and virtual cards, codes, or devices, and other forms of payment transactions Enterprise-grade application service provider (ASP) featuring online, non-downloadable application programming interface (API) software for providing banking and financial services to third parties; application services provider, namely, hosting, managing, developing, and maintaining software applications for others in the fields of banking, consumer finance, financial intelligence, accounts payable and receivable, and embedded finance; platform as a service (PAAS) featuring an online, non-downloadable computer software platform for management of banking services partner relationships; platform as a service (PAAS) featuring an online, non-downloadable computer software platform for management of fund flows; platform as a service (PAAS) services featuring an online, non-downloadable computer software platform for fraud checking and prevention; fraud protection and detection services in the nature of electronic monitoring of credit, debit, and prepaid card activities and other payment account activities via the internet for fraud mitigation and anti-money laundering purposes
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable computer software for providing banking and financial services; downloadable computer software for management of banking services partner relationships; downloadable computer software for management of fund flows Payment processing services, namely, physical and virtual credit, debit, and prepaid card and credit, debit, and prepaid electronic device transaction processing services; stored value prepaid card services, namely, processing electronic payments made through physical and virtual prepaid cards; managed services, namely, financial administration of physical and virtual credit, debit, and prepaid card accounts and other payment accounts; managed services, namely, fraud mitigation in the nature of fraud reimbursement services for purchases made with physical and virtual credit, debit, and prepaid card accounts and other payment accounts; financial consulting services related to the use by businesses of credit, debit, prepaid, and deferred payment physical and virtual cards, codes, or devices, and other forms of payment transactions Enterprise-grade application service provider (ASP) featuring online, non-downloadable application programming interface (API) software for providing banking and financial services to third parties; application services provider, namely, hosting, managing, developing, and maintaining software applications for others in the fields of banking, consumer finance, financial intelligence, accounts payable and receivable, and embedded finance; platform as a service (PAAS) featuring an online, non-downloadable computer software platform for management of banking services partner relationships; platform as a service (PAAS) featuring an online, non-downloadable computer software platform for management of fund flows; platform as a service (PAAS) services featuring an online, non-downloadable computer software platform for fraud checking and prevention; fraud protection and detection services in the nature of electronic monitoring of credit, debit, and prepaid card activities and other payment account activities via the internet for fraud mitigation and anti-money laundering purposes
09 - Appareils et instruments scientifiques et électriques
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Software for management of accounts receivable; Software and artificial intelligence software for credit management, credit application, credit monitoring , credit risk management and credit card integration; Software and artificial intelligence software for deduction management; Software and artificial intelligence software for debt collection and collections management; Software and artificial intelligence software for cash application; Software for dispute management in the field of finance. Software as a Service (SaaS), namely for management of accounts receivable; Software as a Service (SaaS), namely for credit management, credit application, credit monitoring, credit risk management and credit card integration; Software as a Service (SaaS), namely for deduction management; Software as a Service (SaaS), namely for debt collection and collections management; Software as a Service (SaaS), namely for cash application; Software as a Service (SaaS), namely for dispute management in the field of finance; Providing temporary use of on-line non-downloadable software for management of accounts receivable; Providing temporary use of on-line non-downloadable software and artificial intelligence software for credit management, credit application, credit monitoring, credit risk management and credit card integration; Providing temporary use of on-line non-downloadable software and artificial intelligence software for deduction management; Providing temporary use of on-line non-downloadable software and artificial intelligence software for debt collection and collections management; Providing temporary use of on-line non-downloadable software and artificial intelligence software for cash application; Providing temporary use of on-line non-downloadable software for dispute management in the field of finance.
35.
SYSTEMS AND METHODS FOR ELECTRONIC LOYALTY-BASED TRANSACTIONS OVER ELECTRONIC MONETARY EXCHANGE NETWORKS
Computer-implemented systems and methods for initiating a transaction, the transaction generating a validation request to verify a customer's identity, the validation request requesting a first unique randomized identifier from a mobile payment cloud; transmitting the first unique randomized identifier to a customer device, the first unique randomized identifier being forwarded to the mobile payment cloud as a second unique randomized identifier to validate the transaction; receiving an authentication from the mobile payment cloud based on a result of validating the transaction; transmitting a customer identification code and the cash value to an interbank network as an interbank transaction request; receiving a response from the interbank network regarding the interbank transaction request; and processing the transaction based on the response from the interbank network.
G06Q 30/0226 - Systèmes d’incitation à un usage fréquent, p.ex. programmes de miles pour voyageurs fréquents ou systèmes de points
G06Q 20/38 - Architectures, 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 magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/42 - Confirmation, p.ex. contrôle ou autorisation de paiement par le débiteur légal
36.
SYSTEMS AND METHODS FOR ASSET MAP INTERFACE FOR INFORMATION TECHNOLOGY INFRASTRUCTURE
A method comprising performing, by at least one processor, operations including: sending a query including an identifier for an asset; receiving a data structure for the asset, wherein the data structure includes a determined relationship between the asset and other hardware and software assets; rendering the data structure into a format for display; and displaying the rendered data structure.
A method comprising performing, by at least one processor, operations including: sending a query including an identifier for an asset; receiving a data structure for the asset, wherein the data structure includes a determined relationship between the asset and other hardware and software assets; rendering the data structure into a format for display; and displaying the rendered data structure.
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable computer software for providing banking and financial services; downloadable computer software for management of banking services partner relationships; downloadable computer software for management of fund flows Payment processing services, namely, physical and virtual credit, debit, and prepaid card and credit, debit, and prepaid electronic device transaction processing services; Stored value prepaid card services, namely, processing electronic payments made through physical and virtual prepaid cards; Managed services, namely financial administration of physical and virtual credit, debit, and prepaid card accounts and other payment accounts; Managed services, namely, fraud mitigation in the nature of fraud reimbursement services for purchases made with physical and virtual credit, debit, and prepaid card accounts and other payment accounts; Financial consulting services related to the use by businesses of credit, debit, prepaid, and deferred payment physical and virtual cards, codes, or devices, and other forms of payment transactions Enterprise-grade application service provider featuring online, non-downloadable application programming interface (API)
software for providing banking and financial services to third parties; application services provider, namely hosting, managing,
developing, and maintaining software applications for others in the fields of banking, consumer finance, financial intelligence,
accounts payable and receivable, and embedded finance; platform as a service (PaaS) services featuring an online, nondownloadable computer software platform for management of banking services partner relationships; platform as a service (PaaS)
services featuring an online, non-downloadable computer software platform for management of fund flows; platform as a service
(PaaS) services featuring an online, non-downloadable computer software platform for fraud checking and prevention; fraud
protection and detection services in the nature of electronic monitoring of credit, debit, and prepaid card activities and other
payment account activities via the internet for fraud mitigation and anti-money laundering purposes
39.
SYSTEMS AND METHODS FOR BLOCKCHAIN-BASED NON-FUNGIBLE TOKEN (NFT) AUTHENTICATION
Systems and methods are disclosed for generating blockchain-based dynamic non-fungible tokens (NFTs) for user authentication. The method includes receiving a request from a mobile device associated with a user. Capturing, via one or more sensors, images and/or videos of the user and/or identification data associated with the user. Processing the images and/or the videos to detect biometric data unique to the user. Encoding the detected biometric data for generating the dynamic NFTs. Storing the dynamic NFTs on a transaction block of a distributed blockchain, wherein the dynamic NFTs are associated with a programmatically defined smart contract written to the distributed blockchain. Transmitting the dynamic NFTs to a plurality of service providers for authenticating the user.
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 16/27 - Réplication, distribution ou synchronisation de données entre bases de données ou dans un système de bases de données distribuées; Architectures de systèmes de bases de données distribuées à cet effet
G06F 21/10 - Protection de programmes ou contenus distribués, p.ex. vente ou concession de licence de matériel soumis à droit de reproduction
40.
SYSTEMS AND METHODS FOR BLOCKCHAIN-BASED NON-FUNGIBLE TOKEN (NFT) AUTHENTICATION
Systems and methods are disclosed for generating blockchain-based dynamic non-fungible tokens (NFTs) for user authentication. The method includes receiving a request from a mobile device associated with a user. Capturing, via one or more sensors, images and/or videos of the user and/or identification data associated with the user. Processing the images and/or the videos to detect biometric data unique to the user. Encoding the detected biometric data for generating the dynamic NFTs. Storing the dynamic NFTs on a transaction block of a distributed blockchain, wherein the dynamic NFTs are associated with a programmatically defined smart contract written to the distributed blockchain. Transmitting the dynamic NFTs to a plurality of service providers for authenticating the user.
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 16/27 - Réplication, distribution ou synchronisation de données entre bases de données ou dans un système de bases de données distribuées; Architectures de systèmes de bases de données distribuées à cet effet
G06F 21/10 - Protection de programmes ou contenus distribués, p.ex. vente ou concession de licence de matériel soumis à droit de reproduction
41.
SYSTEMS AND METHODS FOR BLOCKCHAIN-BASED NON-FUNGIBLE TOKEN (NFT) AUTHENTICATION
Systems and methods are disclosed for generating blockchain-based dynamic non-fungible tokens (NFTs) for user authentication. The method includes receiving a request from a mobile device associated with a user. Capturing, via one or more sensors, images and/or videos of the user and/or identification data associated with the user. Processing the images and/or the videos to detect biometric data unique to the user. Encoding the detected biometric data for generating the dynamic NFTs. Storing the dynamic NFTs on a transaction block of a distributed blockchain, wherein the dynamic NFTs are associated with a programmatically defined smart contract written to the distributed blockchain. Transmitting the dynamic NFTs to a plurality of service providers for authenticating the user.
G06F 21/64 - Protection de l’intégrité des données, p.ex. par sommes de contrôle, certificats ou signatures
G06F 21/32 - Authentification de l’utilisateur par données biométriques, p.ex. empreintes digitales, balayages de l’iris ou empreintes vocales
H04L 9/00 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité
G16Y 20/40 - Information détectée ou collectée par les objets relative aux données personnelles, p.ex. données biométriques, enregistrement ou préférences
Systems and methods are disclosed for generating blockchain-based dynamic non-fungible tokens (NFTs) for user authentication. The method includes receiving a request from a mobile device associated with a user. Capturing, via one or more sensors, images and/or videos of the user and/or identification data associated with the user. Processing the images and/or the videos to detect biometric data unique to the user. Encoding the detected biometric data for generating the dynamic NFTs. Storing the dynamic NFTs on a transaction block of a distributed blockchain, wherein the dynamic NFTs are associated with a programmatically defined smart contract written to the distributed blockchain. Transmitting the dynamic NFTs to a plurality of service providers for authenticating the user.
G06F 21/64 - Protection de l’intégrité des données, p.ex. par sommes de contrôle, certificats ou signatures
G06F 21/32 - Authentification de l’utilisateur par données biométriques, p.ex. empreintes digitales, balayages de l’iris ou empreintes vocales
H04L 9/00 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité
G16Y 20/40 - Information détectée ou collectée par les objets relative aux données personnelles, p.ex. données biométriques, enregistrement ou préférences
An authentication and payment system for paying a supplier via a network may include a non-transitory computer readable storage medium having program logic stored thereon having a code for an authentication and payment application executable by a processor of a computing device. The code may be programmed to perform a step of receiving a first set of specific data elements from a payer regarding an authorized purchase by the payer from the supplier. The code may be further programed to receive a second set of specific data elements from the supplier. If the first set of specific data elements matches at least a portion of second set of specific data elements, the code may be programed to generate and send a single-use number to the supplier. The single-use number may be usable as a credit card number for only one purchase.
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
The disclosed embodiments include systems and methods for tracing data. A disclosed tracing system can receive a request to access original data. The request can be associated with access request metadata. The tracing system can generate a tracer based at least in part on the access request metadata and can generate an altered version of the first data by inserting the tracer into the original data. The tracing system can update a database or log file associated with the first data to include association information based on the access request metadata. The tracing system can then provide the altered version of the first data in response to the request.
A method for training and using a machine-learning based model to reduce and troubleshoot incidents in a system may include receiving first metadata regarding a previous modification, extracting a first feature from the received first metadata, receiving second metadata regarding a previous incident, extracting a second feature from the received second metadata, training the machine-learning based model to learn an association between the previous modification and the previous incident, based on the extracted first feature and the extracted second feature, and using the machine-learning based model to determine a risk level for a proposed modification to a system.
A method for loop escape analysis includes receiving a set of executable computer instructions stored on a storage medium, and determining a number of inputs to a loop associated with a data structure, storage space that would be saved by compressing the data structure, and a size of new elements required to compress the data structure. Upon reaching an end of the loop, the method determines whether to compress the data structure based on a comparison between the size of the new elements and the saved storage space. In response to determining to compress the data structure, the method compresses the data structure.
A method includes receiving, from a first remote device, an initial first plurality of status metrics corresponding to a first domain, each of the initial plurality of status metrics indicating whether a corresponding parameter of the first domain requires remediation. The method includes comparing the initial plurality of status metrics to a reference database, the reference database listing previously encountered problems with known remediation solutions. The method includes receiving from the first remote device, an updated plurality of status metrics corresponding the first domain, each of the updated plurality of status metrics indicating whether a corresponding parameter of the first domain requires remediation. The method includes applying an algorithm to the updated plurality of status metrics to generate a maturity score of the first domain. The method includes combining the maturity score of the first domain and a maturity score of a second domain to generate a maturity report.
G06F 11/07 - Réaction à l'apparition d'un défaut, p.ex. tolérance de certains défauts
G06F 11/36 - Prévention d'erreurs en effectuant des tests ou par débogage de logiciel
G06F 11/14 - Détection ou correction d'erreur dans les données par redondance dans les opérations, p.ex. en utilisant différentes séquences d'opérations aboutissant au même résultat
G06Q 10/0631 - Planification, affectation, distribution ou ordonnancement de ressources d’entreprises ou d’organisations
G06F 11/34 - Enregistrement ou évaluation statistique de l'activité du calculateur, p.ex. des interruptions ou des opérations d'entrée–sortie
A data analytics system is disclosed that can include a data repository configured to store data for multiple clients, a metadata repository separate from the data store, an access control system, and a policy store. The data analytics system can automatically generate metadata for data in the data repository using a metadata engine, the metadata including technical metadata and usage metadata, and store the metadata in the metadata repository. The data analytics system can obtain a client policy governing access to the data. The data analytics system can receive a request to provide the data, the request including instructions to create a pipeline to provide the data. The data analytics system can authorize, by the access control system, the request using the policy and usage metadata; create the pipeline using the technical metadata; and provide the data using the pipeline.
G06F 21/54 - Contrôle des usagers, programmes ou dispositifs de préservation de l’intégrité des plates-formes, p.ex. des processeurs, des micrologiciels ou des systèmes d’exploitation au stade de l’exécution du programme, p.ex. intégrité de la pile, débordement de tampon ou prévention d'effacement involontaire de données par ajout de routines ou d’objets de sécurité aux programmes
Computer-implemented systems and methods for analyzing applications include, obtaining user data records from a server, constructing an instruction template, the instruction template includes main streams, the instruction template adding the user data records as user parameters corresponding to the main streams, transmitting the user data records to a file transfer connection, inputting the instruction template and a first command into the file transfer connection, the file transfer connection executes the first command, inputting the file transfer connection and a second command into the script file, the script file executes the second command, opening each of the main streams through the pre-defined driver program by using variable records to retrieve a plurality of in-streams of each of the main streams, aggregating the main streams and the in-streams associated with the user parameters resulting a final output, transmitting the final output to the server.
A method comprising performing, by at least one processor, operations including:
A method comprising performing, by at least one processor, operations including:
sending instructions to an asset among various hardware and software assets in a networked information technology infrastructure to cause the asset to generate an answer file; copying data from the generated answer file to memory of a mapping system; tracking and logging events associated with the copying of the data; validating the copied data based on the logged events; determining standardized reporting data from the validated data in the memory of the mapping system; saving the standardized reporting data in a data structure formatted for the various hardware and software assets; applying an algorithm to the saved data structure to determine a relationship between the various hardware and software assets; and linking the determined relationship between the various hardware and software assets to the saved data structure.
A method comprising performing, by at least one processor, operations including: sending instructions to an asset among various hardware and software assets in a networked information technology infrastructure to cause the asset to generate an answer file; copying data from the generated answer file to memory of a mapping system; tracking and logging events associated with the copying of the data; validating the copied data based on the logged events; determining standardized reporting data from the validated data in the memory of the mapping system; saving the standardized reporting data in a data structure formatted for the various hardware and software assets; applying an algorithm to the saved data structure to determine a relationship between the various hardware and software assets; and linking the determined relationship between the various hardware and software assets to the saved data structure.
Disclosed embodiments relate to systems and methods for automatic payment distribution. Techniques include validating, based on user-specified rules that the received file form data fields match user requirements, determining whether to authenticate a form based on the validation, calculating payment eligibility and payment amount, authorizing recipient payments, and notifying the recipient.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
53.
SYSTEMS AND METHODS FOR PROCESSING A BATCH PAYMENT IN REAL-TIME PAYMENT NETWORK
Systems and methods for executing a batch of electronic transactions. One method may include: receiving, at a user interface of an information handling device associated with the real time transaction system, a selection to import a transaction file, wherein the transaction file comprises a listing of a plurality of transaction requests; identifying, via analysis of the transaction file, one or more characteristics associated with each of the plurality of transaction requests in the listing; determining, based on the identified one or more characteristics, whether a subset of the plurality of transaction requests are deficient; isolating, responsive to the determining, the subset from a remainder of the plurality of transaction requests; and facilitating, responsive to receiving user authorization input, a transaction process for each of the plurality of transaction requests in the remainder.
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06F 11/14 - Détection ou correction d'erreur dans les données par redondance dans les opérations, p.ex. en utilisant différentes séquences d'opérations aboutissant au même résultat
54.
SYSTEMS AND METHODS FOR IMPORTING A BATCH OF RECEIVER ACCOUNTS ONTO AN APPLICATION PLATFORM OF A REAL-TIME PAYMENT NETWORK
Systems and methods for importing a batch of receiver accounts. One method may include: receiving, at a user interface of the application platform on an information handling device, a selection to import a receiver file, wherein the receiver file comprises a listing of a plurality of receiver accounts; identifying, via analysis of the receiver file, one or more data points associated with each of the plurality of receiver accounts in the listing; determining, based on the identified one or more data points, whether a subset of the plurality of receiver accounts contain a deficiency; and providing, on the user interface of the application platform, results associated with the determining.
G06Q 20/38 - Architectures, 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 magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
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
G06F 11/14 - Détection ou correction d'erreur dans les données par redondance dans les opérations, p.ex. en utilisant différentes séquences d'opérations aboutissant au même résultat
55.
SYSTEMS AND METHODS FOR SECURING DATA BY STATELESS TOKENIZATION
A method for securing data by stateless tokenization includes receiving a character string, selecting a character window within the character string, accessing a token table at an index equal to a value of the character window, retrieving, from the token table at the index, a tokenized value, replacing the value of the character window with the tokenized value, shifting the character window by one character in a first direction, accessing the token table at the index equal to the value of the character window, retrieving a tokenized value, replacing the value of the character window with the tokenized value, shifting the character window by one character in a second direction, accessing the token table at the index equal to the value of the character window, retrieving a tokenized value, replacing the value of the character window with the tokenized value, and returning the character string as a tokenized character string.
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 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
56.
SYSTEMS AND METHODS FOR SECURING DATA BY STATELESS TOKENIZATION
A method for securing data by stateless tokenization includes receiving a character string, selecting a character window within the character string, accessing a token table at an index equal to a value of the character window, retrieving, from the token table at the index, a tokenized value, replacing the value of the character window with the tokenized value, shifting the character window by one character in a first direction, accessing the token table at the index equal to the value of the character window, retrieving a tokenized value, replacing the value of the character window with the tokenized value, shifting the character window by one character in a second direction, accessing the token table at the index equal to the value of the character window, retrieving a tokenized value, replacing the value of the character window with the tokenized value, and returning the character string as a tokenized character string.
Some aspects of the present disclosure are directed to computer-implemented systems and methods for efficient ticket resolution. The methods may include: receiving a request to resolve an issue; analyzing, via natural language processing, the language in the request to determine the issue to be resolved; determining whether the issue meets a condition for automated resolution; if the condition is met: extracting, via an application programming interface and from the at least one user device, information needed to resolve the issue; and resolving the issue using the extracted information; and if the condition is not met: generating a ticket; assigning a work group to the ticket; determining whether a job aid associated with the issue exists; and forwarding at least one of: the job aid; received communications from the work group; and an estimated amount of time to resolution.
Systems and methods are provided for implementing automated user interface testing with integrated machine learning models. Systems and methods for detecting and preemptively correcting flow path errors are disclosed. Systems and methods for minimizing user input and optimizing testing efficiency are disclosed. A result dashboard is disclosed in which testing results and errors are displayed and a user may interact with interactive testing reports.
G06F 11/07 - Réaction à l'apparition d'un défaut, p.ex. tolérance de certains défauts
G06F 16/955 - Recherche dans le Web utilisant des identifiants d’information, p.ex. des localisateurs uniformisés de ressources [uniform resource locators - URL]
The disclosed embodiments include a method for providing cloud computing semantic layer. The method comprises receiving a description of a semantic layer operation performed by a semantic layer, the description including multiple implementations of the semantic layer operation, the multiple implementations differing in at least one of cloud operations used or cloud computing platforms used; receiving a request that indicates performance of the semantic layer operation; receiving first resource usage indications corresponding to the cloud operations, wherein the first resource usage indications comprise direct or indirect indications of least one of a storage amount, a compute amount, a number of transactions, a bandwidth, a number of application programming interface calls, or an application or database type associated with each of the cloud operations; selecting a first one of the multiple implementations; and communicating with the first one of the cloud providers to perform the semantic layer operation.
H04L 43/55 - Test de la qualité du niveau de service, p.ex. simulation de l’utilisation du service
H04L 67/63 - 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 en acheminant une demande de service en fonction du contenu ou du contexte de la demande
60.
CLOUD-BASED SYSTEMS AND METHODS FOR PROVIDING CONSUMER FINANCIAL DATA
Systems and methods are disclosed for providing cloud-based access to consumer financial information. A cloud-based platform may receive a notification from a server, the notification comprising a request to access consumer data associated with a financial services account. After confirming authorization by both the associated financial services account provider and the consumer, the platform may configure a software object identifying the server and at least a portion of the consumer data that the server is authorized to access. After presentation of the configured software object by the third party server, the platform may verify the configured software object, and provide to the server access to the authorized consumer data. The server may then utilize the provided consumer data to perform a mobile service for the consumer.
Methods and systems include sending recording data of a call to a first server and a second server, wherein the recording data includes a first voice of a first participant of the call and a second voice of a second participant of the call; receiving, from the first server, a first emotion score representing a degree of a first emotion associated with the first voice, and a second emotion score representing a degree of a second emotion associated with the first voice; receiving, from the second server, a first sentiment score, a second sentiment score, and a third sentiment score; determining a quality score and classification data for the recording data based on the first emotion score, the second emotion score, the first sentiment score, the second sentiment score, and the third sentiment score; and outputting the quality score and the classification data for visualization of the recording data.
G10L 25/63 - Techniques d'analyses de la parole ou de la voix qui ne se limitent pas à un seul des groupes spécialement adaptées pour un usage particulier pour comparaison ou différentiation pour estimer un état émotionnel
62.
SYSTEMS AND METHODS FOR APPLICATION PROGRAM AND APPLICATION PROGRAM UPDATE DEPLOYMENT TO A MOBILE DEVICE
The present invention comprises a system and method for receiving at an application server a request for a software application from a mobile device wherein the request includes an indicator that allows the application server to tell whether the mobile device currently has a software application interpreter installed, sending the software application interpreter to a cellular wireless network for provisioning to the mobile device if the indicator shows that the mobile device does not have the application interpreter installed, and sending the software application to a cellular wireless network for provisioning to the mobile device. The invention further comprises a system and method for updating the software application in a way that seems automatic to a user.
H04L 67/04 - Protocoles spécialement adaptés à la portabilité du terminal
H04M 1/72406 - Interfaces utilisateur spécialement adaptées aux téléphones sans fil ou mobiles avec des moyens de soutien local des applications accroissant la fonctionnalité fournis par mise à jour ou téléchargement de logiciel
H04L 67/00 - Dispositions ou protocoles de réseau pour la prise en charge de services ou d'applications réseau
Systems and methods are disclosed for generating a dynamic customized script to facilitate communication between a user and a service provider. The method includes receiving, via an interactive voice response (IVR) system, a request from a mobile device associated with at least one user. The contextual information associated with at least one user is processed, in real-time, based, at least in part, on the request. A dynamic customized script specific to the request is generated, in real-time, based, at least in part, on the processing of the contextual information. The request is routed, via the IVR system, to an agent from a pool of agents of the service provider. A presentation of the dynamic customized script is generated in a user interface of a device associated with the agent, wherein the dynamic customized script is step-by-step guidance to the agent for handling the request of at least one user.
A method for identifying and handling related incidents using a machine-learning based model, includes, performing by one or more processors, operations including: clustering a sub-group of incident records from among a plurality of incident records using the machine-learning based model based on a rolling time window and a number of records in the sub-group of incident records; creating a problem record based on the clustered incident records; populating the problem record with information related to the clustered incident records; linking the clustered incident records to the problem record; providing a notification that the problem record has been created; receiving a resolution for the problem record; and updating, based on the resolution, the machine-learning based model to learn an association between extracted features of the resolution and extracted features of the clustered incident records.
G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
65.
SYSTEMS AND METHODS FOR IDENTIFYING AND RESOLVING INCIDENTS IN A SYSTEM USING AN ARTIFICIAL INTELLIGENCE MODEL
A method for identifying and handling related incidents using a machine-learning based model, includes, performing by one or more processors, operations including: clustering a sub-group of incident records from among a plurality of incident records using the machine-learning based model based on a rolling time window and a number of records in the sub-group of incident records; creating a problem record based on the clustered incident records; populating the problem record with information related to the clustered incident records; linking the clustered incident records to the problem record; providing a notification that the problem record has been created; receiving a resolution for the problem record; and updating, based on the resolution, the machine-learning based model to learn an association between extracted features of the resolution and extracted features of the clustered incident records.
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
Produits et services
Magnetically encoded prepaid debit cards Issuing prepaid debit cards; processing electronic payments made through prepaid cards; financial services, namely, administration of transactions involving funds drawn from public and private electronic benefit transfer programs using a prepaid debit card over a global data network
67.
ANALYZING A TRANSACTION IN A PAYMENT PROCESSING SYSTEM
A method for analyzing a transaction in a payment processing system includes receiving a transaction, classifying the transaction, analyzing the transaction, selecting a treatment to be applied to the transaction, applying the selected treatment to the transaction, and outputting the transaction after the selected treatment was applied to the transaction. Classifying the transaction includes computing a probability score vector for the transaction that indicates a probability for each of one or more possible outcomes of the transaction. Analyzing the transaction includes computing one or more probability mass vectors for the transaction that indicate impact values and associated probabilities of one or more possible treatments to be applied to the transaction. Selecting the treatment to be applied includes applying a set of decision rules to the probability score vector and the one or more probability mass vectors.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06N 5/02 - Représentation de la connaissance; Représentation symbolique
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
68.
SYSTEMS AND METHODS FOR EXECUTING REAL-TIME ELECTRONIC TRANSACTIONS BY A DYNAMICALLY DETERMINED TRANSFER EXECUTION DATE
Systems and methods for executing real-time electronic transactions by a dynamically determined transfer execution date are disclosed. One method includes receiving, at an application programing interface (API) system, an electronic transaction request on a receipt date. The API system may identify a value associated with the electronic transaction request as well as a threshold settlement date. The value may then be compared to a predetermined threshold and at least one transaction network certified to process the electronic transaction request may be ascertained. The API system may project a processing time for each of the ascertained transaction networks. An optimal transaction network and transfer execution date may be determined based on comparison of the projected processing times to a timeline designated by the receipt date and the threshold settlement date. The electronic transaction request may be processed into a recipient account on the transfer execution date via the optimal transaction network.
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
69.
Systems and methods to manage transaction disputes using predictions based on anomalous data
Disclosed herein are systems and methods for managing transaction disputes. Techniques include accessing a transaction pattern model associated with a user account; detecting deviation of a transaction from the transaction pattern model; transmitting, based on the detected deviation, transaction data to a user device; receiving an input at the user device in response to the transmitted data; generating, based on the received input, dispute data; storing the dispute data; monitoring data extracts associated with the user account; detecting, based on the monitoring, a data extract indicating a posted state of a transaction associated with the dispute data; and updating the dispute data based on the data extract indicating the posted state.
Systems, devices, methods, and computer readable media for providing regulatory insight analysis are disclosed. In one implementation, the disclosed system may receive input data from a plurality of sources. Consistent with disclosed embodiments, the system may normalize the received input data. Further, the system may analyze the normalized input data, the analyzing comprising using logic for generating an output based on a first input including the normalized input data, a second input including calculation attributes, and a third input including one or more rules. The system may further be configured to store the output, continuously monitor the output as the output is stored, and generate one or more reports based on the stored output. Further, the system may receive, from a user and via a user interface, additional input data, a request to view the one or more generated reports, or a request for an additional output.
Systems, devices, methods, and computer readable media for providing regulatory insight analysis are disclosed. In one implementation, the disclosed system may receive input data from a plurality of sources. Consistent with disclosed embodiments, the system may normalize the received input data. Further, the system may analyze the normalized input data, the analyzing comprising using logic for generating an output based on a first input including the normalized input data, a second input including calculation attributes, and a third input including one or more rules. The system may further be configured to store the output, continuously monitor the output as the output is stored, and generate one or more reports based on the stored output. Further, the system may receive, from a user and via a user interface, additional input data, a request to view the one or more generated reports, or a request for an additional output.
G06Q 10/0637 - Gestion ou analyse stratégiques, p. ex. définition d’un objectif ou d’une cible pour une organisation; Planification des actions en fonction des objectifs; Analyse ou évaluation de l’efficacité des objectifs
G06Q 50/18 - Services juridiques; Maniement de documents juridiques
72.
SMART FORMS FOR AUTOMATED CONFIGURATION OF SOLUTIONS
A smart forms solution that enables transactions institutions to provide configuration parameters in a streamlined manner so that developers can construct end-to-end solutions in an automated manner includes performing, by a processor, operations including: receiving data from a form in a webpage; validating the received data; saving the validated data; determining a location to send the saved data; sending the saved data to the determined location; invoking an API at the determined location with the saved data; and using the saved data to perform a manual operation.
A computer-implemented method for transaction settlement prediction may include receiving data for a plurality of past financial trades, training a machine learning model using the data for the plurality of past financial trades, receiving one or more parameters for a subject financial trade among a plurality of recently executed financial trades, determining a likelihood that the subject financial trade will fail using the trained machine learning model, determining a most likely reason that the subject financial trade will fail using the trained machine learning model, and presenting the likelihood that the subject financial trade will fail and the most likely reason that the subject financial trade will fail to a user.
The present disclosure involves systems and methods for identity authentication across multiple institutions using a trusted mobile device as a proxy for a user login. In one example, the operations include identifying a request to trust a particular user associated with a first entity in a digital ID network. A set of personally identifiable information (PII) associated with the user is obtained via the first entity and an identity verification (IDV)/fraud risk analysis is performed. In response to satisfying the analysis, instructions are transmitted to the user to verify the identity via a mobile trust application on an associated mobile device. Upon verification, the mobile device is bound to the user within the digital ID network along with a digital ID associated with the particular user. The digital ID can be used by other entities registered within the digital ID network to authenticate the user.
H04W 12/30 - Sécurité des dispositifs mobiles; Sécurité des applications mobiles
H04W 12/67 - Sécurité dépendant du contexte dépendant du risque, p.ex. choix du niveau de sécurité selon les profils de risque
G06K 7/10 - Méthodes ou dispositions pour la lecture de supports d'enregistrement par radiation corpusculaire
G06K 7/14 - Méthodes ou dispositions pour la lecture de supports d'enregistrement par radiation corpusculaire utilisant la lumière sans sélection des longueurs d'onde, p.ex. lecture de la lumière blanche réfléchie
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 30/018 - Certification d’entreprises ou de produits
H04L 67/53 - Services réseau en utilisant des fournisseurs tiers de services
H04W 12/63 - Sécurité dépendant du contexte dépendant de la proximité
75.
SYSTEMS AND METHODS FOR TRANSACTION SETTLEMENT PREDICTION
A computer-implemented method for transaction settlement prediction may include receiving data for a plurality of past financial trades, training a machine learning model using the data for the plurality of past financial trades, receiving one or more parameters for a subject financial trade among a plurality of recently executed financial trades, determining a likelihood that the subject financial trade will fail using the trained machine learning model, determining a most likely reason that the subject financial trade will fail using the trained machine learning model, and presenting the likelihood that the subject financial trade will fail and the most likely reason that the subject financial trade will fail to a user.
A telecommunications network server system provides a digital identifier to a user device. The digital identifier may include identification data corresponding to a user of the user device. In addition, the telecommunications network server system receives, from one or more third-party systems, requests to authenticate the user for an electronic transaction with the respective third-party system. The telecommunications network server system provides a unique electronic transaction code to each third-party system. Responsive to receiving from the user device one of the unique electronic transaction codes, the telecommunications network server system provides, to the respective third-party system, authentication of the user.
H04L 67/53 - Services réseau en utilisant des fournisseurs tiers de services
H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
Systems and methods for managing change requests are disclosed. A system for managing change requests may include a memory storing instructions and at least one processor configured to execute instructions to perform operations including: receiving, from a client device, a change request; routing the change request to a first similarity determination pipeline, based on the first classification, identifying an implementation device; and transmitting the change request to the implementation device. The first similarity determination pipeline may be configured to: extract at least one first request element from the change request; determine a first group of change requests based on the at least one first extracted request element; determine a first similarity metric between the change request and the first group of change requests; and determine a first classification of the change request based on the first similarity metric.
A system for processing a transaction at a point of engagement comprising receiving an input interaction from a user, communicating with a plurality of identity providers to validate an identity of the user, communicating with a plurality of payment providers to collect available payment or funding options, mapping the input interaction to an output interaction, and performing a transaction that reflects the mapping of the input interaction to the output interaction.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
Systems and methods for on demand service integration. A system includes at least one processor and a storage medium storing instructions that, when executed by the one or more processors, cause the at least one processor to perform operations including receiving from a customer system a request to integrate a partner service with an integrator instance at the customer system and searching an integrator database for a partner service communication template based on the received request. The operations also include configuring the integrator instance to receive communications from a partner service instance based on the communication template and establishing a communication link between the integrator instance and the partner service instance.
A system for processing a transaction at a point of engagement comprising receiving an input interaction from a user, communicating with a plurality of identity providers to validate an identity of the user, communicating with a plurality of payment providers to collect available payment or funding options, mapping the input interaction to an output interaction, and performing a transaction that reflects the mapping of the input interaction to the output interaction.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
Systems and methods are disclosed for generating a dynamic customized script to facilitate communication between a user and a service provider. The method includes receiving, via an interactive voice response (IVR) system, a request from a mobile device associated with at least one user. The contextual information associated with at least one user is processed, in real-time, based, at least in part, on the request. A dynamic customized script specific to the request is generated, in real-time, based, at least in part, on the processing of the contextual information. The request is routed, via the IVR system, to an agent from a pool of agents of the service provider. A presentation of the dynamic customized script is generated in a user interface of a device associated with the agent, wherein the dynamic customized script is step-by-step guidance to the agent for handling the request of at least one user.
Methods, systems, and apparatus, including computer programs encoded on computer storage media, for processing sequences of multi-modal entity data using convolutional neural networks. One of the methods includes receiving an input sequence of multi-modal feature vectors characterizing an entity over a time window, wherein each multi-modal feature vector in the input sequence corresponds to a different time interval during the time window; processing the input sequence of multi-modal feature vectors using a convolutional neural network to generate a latent sequence that comprises a plurality of latent feature vectors; processing the latent sequence of latent feature vectors using an aggregation neural network to generate an aggregated feature vector; and processing the aggregated feature vector using an output neural network to generate a prediction that characterizes the entity after the time window.
Systems and methods are disclosed for generating a dynamic customized script to facilitate communication between a user and a service provider. The method includes receiving, via an interactive voice response (IVR) system, a request from a mobile device associated with at least one user. The contextual information associated with at least one user is processed, in real-time, based, at least in part, on the request. A dynamic customized script specific to the request is generated, in real-time, based, at least in part, on the processing of the contextual information. The request is routed, via the IVR system, to an agent from a pool of agents of the service provider. A presentation of the dynamic customized script is generated in a user interface of a device associated with the agent, wherein the dynamic customized script is step-by-step guidance to the agent for handling the request of at least one user.
Methods, systems, and apparatus, including computer programs encoded on computer storage media, for processing sequences of multi-modal entity data using convolutional neural networks. One of the methods includes receiving an input sequence of multi-modal feature vectors characterizing an entity over a time window, wherein each multi-modal feature vector in the input sequence corresponds to a different time interval during the time window; processing the input sequence of multi-modal feature vectors using a convolutional neural network to generate a latent sequence that comprises a plurality of latent feature vectors; processing the latent sequence of latent feature vectors using an aggregation neural network to generate an aggregated feature vector; and processing the aggregated feature vector using an output neural network to generate a prediction that characterizes the entity after the time window.
A method for improving the quality of a machine-learning based model includes generating a first query requesting a description of a change proposed to a system and an intended outcome of the change proposed; receiving a first response; generating a second query providing a risk of an incident associated with the change proposed and requesting justification of the change proposed in view of the risk; receiving a second response; generating a third query requesting an implementation plan for the change proposed; receiving a third response; generating an alert to an incident owner providing the description, intended outcome, risk, justification, and implementation plan of the change proposed; receiving a risk confirmation or rejection from the incident owner confirming or rejecting a relationship between the change proposed and the risk; and updating the machine-learning based model to learn an association between extracted features of the change and extracted features of the incident.
G06Q 10/04 - Prévision ou optimisation spécialement adaptées à des fins administratives ou de gestion, p. ex. programmation linéaire ou "problème d’optimisation des stocks"
G06Q 10/0631 - Planification, affectation, distribution ou ordonnancement de ressources d’entreprises ou d’organisations
Methods and systems for testing of at least one computer application include receiving from a user a monitoring request; selecting a script; performing at least one automation test with at least one automation application; requesting analytic data from at least one computer application; receiving analytic data associated with the at least one computer application; determining response data of the at least one computer application by inputting the analytic data to a comparison model determined based on an analysis technique configured to detect a failure by the at least one computer application; and generating a report based on an output of the analysis technique if the failure by the at least one computer application is detected.
A method for improving the quality of a machine-learning based model includes generating a first query requesting a description of a change proposed to a system and an intended outcome of the change proposed; receiving a first response; generating a second query providing a risk of an incident associated with the change proposed and requesting justification of the change proposed in view of the risk; receiving a second response; generating a third query requesting an implementation plan for the change proposed; receiving a third response; generating an alert to an incident owner providing the description, intended outcome, risk, justification, and implementation plan of the change proposed; receiving a risk confirmation or rejection from the incident owner confirming or rejecting a relationship between the change proposed and the risk; and updating the machine-learning based model to learn an association between extracted features of the change and extracted features of the incident.
G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
Methods and systems for regulating generation of units according to at least one encryption technique associated with a blockchain are disclosed. In some embodiments, a system includes a communication device configured to communicate with a computing device executing an application and a processor configured to execute instructions to perform operations. The operations include receiving transaction information describing a transaction; based on the transaction, determining product awards for at least one product awards program for the transaction; using the blockchain, determining a real-time conversion rate for the transaction, where the real-time conversion rate is regulated by the at least one encryption technique; based on the real-time conversion rate, converting the product awards to units; and entering into the blockchain encrypted data associated with the transaction, wherein the encrypted data is encrypted according to the at least one encryption technique.
G06Q 30/0226 - Systèmes d’incitation à un usage fréquent, p.ex. programmes de miles pour voyageurs fréquents ou systèmes de points
G06Q 30/0211 - Détermination de l’efficacité des remises ou des incitations
H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
89.
SYSTEMS AND METHODS FOR ANALYZING DOCUMENTS USING MACHINE LEARNING TECHNIQUES
Systems and methods for activity risk management are disclosed. A system for activity risk management may include a memory storing instructions and at least one processor configured to execute instructions to perform operations including: classifying document data by identifying at least one marker in the document data, the at least one marker being associated with a document type; selecting an extraction model based on the document type; extracting model input data from the classified document data using the extraction model; applying a machine learning model to the extracted model input data to score the document data, the machine learning model having been trained with document data of a same document type as the document type associated with the at least one marker; and generating, based on the applying, a favorability output based on an amount of risk associated with the document data.
A method includes receiving, from a first remote device, an initial first plurality of status metrics corresponding to a first domain, each of the initial plurality of status metrics indicating whether a corresponding parameter of the first domain requires remediation. The method includes comparing the initial plurality of status metrics to a reference database, the reference database listing previously encountered problems with known remediation solutions. The method includes receiving from the first remote device, an updated plurality of status metrics corresponding the first domain, each of the updated plurality of status metrics indicating whether a corresponding parameter of the first domain requires remediation. The method includes applying an algorithm to the updated plurality of status metrics to generate a maturity score of the first domain. The method includes combining the maturity score of the first domain and a maturity score of a second domain to generate a maturity report.
G06F 11/34 - Enregistrement ou évaluation statistique de l'activité du calculateur, p.ex. des interruptions ou des opérations d'entrée–sortie
G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
G06F 11/00 - Détection d'erreurs; Correction d'erreurs; Contrôle de fonctionnement
91.
SOFTWARE APPLICATION DEVELOPMENT TOOL FOR AUTOMATION OF MATURITY ADVANCEMENT
A method includes receiving, from a first remote device, an initial first plurality of status metrics corresponding to a first domain, each of the initial plurality of status metrics indicating whether a corresponding parameter of the first domain requires remediation. The method includes comparing the initial plurality of status metrics to a reference database, the reference database listing previously encountered problems with known remediation solutions. The method includes receiving from the first remote device, an updated plurality of status metrics corresponding the first domain, each of the updated plurality of status metrics indicating whether a corresponding parameter of the first domain requires remediation. The method includes applying an algorithm to the updated plurality of status metrics to generate a maturity score of the first domain. The method includes combining the maturity score of the first domain and a maturity score of a second domain to generate a maturity report.
G06F 11/34 - Enregistrement ou évaluation statistique de l'activité du calculateur, p.ex. des interruptions ou des opérations d'entrée–sortie
G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
G06F 11/00 - Détection d'erreurs; Correction d'erreurs; Contrôle de fonctionnement
92.
Software application development tool for automation of maturity advancement
A method includes receiving, from a first remote device, an initial first plurality of status metrics corresponding to a first domain, each of the initial plurality of status metrics indicating whether a corresponding parameter of the first domain requires remediation. The method includes comparing the initial plurality of status metrics to a reference database, the reference database listing previously encountered problems with known remediation solutions. The method includes receiving from the first remote device, an updated plurality of status metrics corresponding the first domain, each of the updated plurality of status metrics indicating whether a corresponding parameter of the first domain requires remediation. The method includes applying an algorithm to the updated plurality of status metrics to generate a maturity score of the first domain. The method includes combining the maturity score of the first domain and a maturity score of a second domain to generate a maturity report.
G06F 11/07 - Réaction à l'apparition d'un défaut, p.ex. tolérance de certains défauts
G06F 11/36 - Prévention d'erreurs en effectuant des tests ou par débogage de logiciel
G06F 11/14 - Détection ou correction d'erreur dans les données par redondance dans les opérations, p.ex. en utilisant différentes séquences d'opérations aboutissant au même résultat
G06Q 10/0631 - Planification, affectation, distribution ou ordonnancement de ressources d’entreprises ou d’organisations
G06F 11/34 - Enregistrement ou évaluation statistique de l'activité du calculateur, p.ex. des interruptions ou des opérations d'entrée–sortie
Systems and methods are disclosed for providing cloud-based access to consumer financial information. A cloud-based platform may receive a notification from a server, the notification comprising a request to access consumer data associated with a financial services account. After confirming authorization by both the associated financial services account provider and the consumer, the platform may configure a software object identifying the server and at least a portion of the consumer data that the server is authorized to access. After presentation of the configured software object by the third party server, the platform may verify the configured software object, and provide to the server access to the authorized consumer data. The server may then utilize the provided consumer data to perform a mobile service for the consumer.
The disclosed embodiments include a method for providing cloud computing semantic layer. The method comprises receiving a description of a semantic layer operation performed by a semantic layer, the description including multiple implementations of the semantic layer operation, the multiple implementations differing in at least one of cloud operations used or cloud computing platforms used; receiving a request that indicates performance of the semantic layer operation; receiving first resource usage indications corresponding to the cloud operations, wherein the first resource usage indications comprise direct or indirect indications of least one of a storage amount, a compute amount, a number of transactions, a bandwidth, a number of application programming interface calls, or an application or database type associated with each of the cloud operations; selecting a first one of the multiple implementations; and communicating with the first one of the cloud providers to perform the semantic layer operation.
G06F 9/50 - Allocation de ressources, p.ex. de l'unité centrale de traitement [UCT]
G06F 9/48 - Lancement de programmes; Commutation de programmes, p.ex. par interruption
G06F 11/34 - Enregistrement ou évaluation statistique de l'activité du calculateur, p.ex. des interruptions ou des opérations d'entrée–sortie
H04L 67/63 - 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 en acheminant une demande de service en fonction du contenu ou du contexte de la demande
H04L 43/55 - Test de la qualité du niveau de service, p.ex. simulation de l’utilisation du service
Systems and methods for real-time account access, allowing access to accounts (such as deposit, credit, or debit accounts) through network processing infrastructures such as Electronic Funds Transfer (EFT). In some embodiments, consumers and/or merchants are able to effect transaction requests against accounts, using a pseudo-Identifier or other identifier, and without the need to provide an account number or card number. In other embodiments, payment networks are able to route and process transaction requests against accounts, without having a card number or account number. In other embodiments, account processing systems are able to determine an appropriate account based on transaction requests that do not contain card numbers or account numbers.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
96.
SYSTEMS AND METHODS FOR AUTONOMOUS TESTING OF COMPUTER APPLICATIONS
Methods and systems for autonomous testing of a computer application include receiving analytic data associated with at least one application programming interface (API) flow, wherein an API flow of the at least one API flow includes at least one API; determining response data of the at least one API by inputting the analytic data to a prediction model determined based on a first machine learning technique; determining a subset of the at least one API flow based on the response data and input data representing at least one of a priority level or a risk level of the at least one API flow; and outputting the subset of the at least one API flow for execution.
G06F 18/214 - Génération de motifs d'entraînement; Procédés de Bootstrapping, p.ex. ”bagging” ou ”boosting”
G06F 18/21 - Conception ou mise en place de systèmes ou de techniques; Extraction de caractéristiques dans l'espace des caractéristiques; Séparation aveugle de sources
Systems and methods are provided for interacting with an Application Programming Interface (API) using a digital signature. In one embodiment, a system comprises one or more processors that execute the instructions to perform operations. The operations comprise receiving a digital signature from a requesting device, the digital signature comprising an array of one or more bits, wherein each position in the array is associated with a field in the database and with the data stored in the field of an API; identifying one or more requested fields; accessing the database to retrieve the information associated with the one or more requested fields, the information being associated with at least one API; and providing instructions to the requesting device, based on the retrieved information, causing the requesting application to use the API.
G06F 16/22 - Indexation; Structures de données à cet effet; Structures de stockage
G06F 21/64 - Protection de l’intégrité des données, p.ex. par sommes de contrôle, certificats ou signatures
H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
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
The disclosed embodiments include systems and methods for tracing data. A disclosed tracing system can receive a request to access original data. The request can be associated with access request metadata. The tracing system can generate a tracer based at least in part on the access request metadata and can generate an altered version of the first data by inserting the tracer into the original data. The tracing system can update a database or log file associated with the first data to include association information based on the access request metadata. The tracing system can then provide the altered version of the first data in response to the request.
A method for training and using a machine-learning based model to reduce and troubleshoot incidents in a system may include receiving first metadata regarding a previous modification, extracting a first feature from the received first metadata, receiving second metadata regarding a previous incident, extracting a second feature from the received second metadata, training the machine-learning based model to learn an association between the previous modification and the previous incident, based on the extracted first feature and the extracted second feature, and using the machine-learning based model to determine a risk level for a proposed modification to a system.
Systems, methods, and computer-readable media are provided for processing and settling financial transactions. An example method comprises receiving a transaction from an originator. The transaction comprises information associated with an identification of an initiating user or the account. The method comprises determining the actual account number, transmitting a financial services transaction request comprising the actual account number to a financial institution, receiving a response, and transmitting a response back to the originator. Another method comprises receiving, from a user device, a request to associate a financial account with a user account. The method comprises generating and sending an association message to a payment network and receiving a key associated with the financial account for use in initiating financial transactions. Another method comprises utilizing such a key to generate and process a transaction request. Other systems, methods, and media are also provided.
G06Q 20/38 - Architectures, 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 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
