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1
US10169937B1
Publication/Patent Number: US10169937B1
Publication date: 2019-01-01
Application number: 15/298,328
Filing date: 2016-10-20
Abstract: Systems and methods for multifactor physical authentication are disclosed. In one embodiment, a method for accessing an entitlement at a facility using multifactor physical authentication may include (1) receiving, at a first electronic interface at a facility, an individual identifier from an individual; (2) at least one computer processor presenting a challenge to the individual; (3) the at least one computer processor receiving, at a second interface, a response to the challenge; (4) the at least one computer processor authenticating the individual based on the individual identifier and the response; (5) the at least one computer processor retrieving at least one authorized entitlement associated with the individual identifier; and (6) the at least one computer processor activating the entitlement at the facility associated with the authorized entitlement. Systems and methods for multifactor physical authentication are disclosed. In one embodiment, a method for accessing an entitlement at a facility using multifactor physical authentication may include (1) receiving, at a first electronic interface at a facility, an individual ...more ...less
2
USD837878S1
Publication/Patent Number: USD837878S1
Publication date: 2019-01-08
Application number: 29/622,896
Filing date: 2017-10-20
Inventor: Lansdale, Zach  
IPC:
3
US10182349B1
Publication/Patent Number: US10182349B1
Publication date: 2019-01-15
Application number: 15/135,918
Filing date: 2016-04-22
Abstract: Systems and methods for user identification and authentication are disclosed. In one embodiment, a method of authenticating a first party to a second party may include the following: (1) receiving, from one of an electronic device of a first party and an electronic device of a second party, a request to generate authenticating indicia; (2) using at least one of a plurality of computer processors, generating the authenticating indicia; (3) transmitting, over a network, the authenticating indicia to the electronic device of a first party and to the electronic device of the second party; (4) receiving, from an electronic device of the second party, an indication that the second party has confirmed that the first party is authentic; and (5) storing an identity of the first party, the second party, and the authenticating indicia in a database. Systems and methods for user identification and authentication are disclosed. In one embodiment, a method of authenticating a first party to a second party may include the following: (1) receiving, from one of an electronic device of a first party and an electronic device of a ...more ...less
4
US10339526B2
Publication/Patent Number: US10339526B2
Publication date: 2019-07-02
Application number: 14/305,191
Filing date: 2014-06-16
Abstract: Embodiments of the invention are directed to a computer-implemented method for facilitating risk assessment for an EFT transaction. The transaction occurs between at least an originating participant and a destination participant. The method includes maintaining an alias table stored in a computer memory, the alias table containing country information for facilitating identification of a corresponding country associated with at least one EFT participant. The method additionally includes making a country identification implementing a computer processor through consultation with the alias table and execution of a matching process, the matching process incorporating the EFT data and alias table country information to identify the corresponding country. The method further includes passing the country identification to risk analysis components for evaluating risk associated with the transaction. Embodiments of the invention are directed to a computer-implemented method for facilitating risk assessment for an EFT transaction. The transaction occurs between at least an originating participant and a destination participant. The method includes maintaining an alias table ...more ...less
5
US10290003B1
Publication/Patent Number: US10290003B1
Publication date: 2019-05-14
Application number: 15/088,437
Filing date: 2016-04-01
Abstract: Systems and methods for secure mobile transactions are disclosed. A method for conducting a transaction may include an issuer receiving, over a first network and from a customer mobile device, authentication information and mobile device location information; the issuer authenticating the customer, generating a transaction session identifier, and communicating the transaction session identifier to the mobile device over the first network; the issuer communicating, over a second network, the transaction session identifier and payment device information to an acquirer; the acquirer receiving, from the merchant, the transaction session identifier from the computer application, location information a merchant point of transaction, and transaction information; the acquirer generating a transaction authorization request including payment device information and the transaction information and communicating the request to the issuer portion over the second network; and the issuer authorizing the transaction authorization request. The issuer and acquirer may be under common control. Systems and methods for secure mobile transactions are disclosed. A method for conducting a transaction may include an issuer receiving, over a first network and from a customer mobile device, authentication information and mobile device location information; the issuer ...more ...less
6
US2019045053A1
Publication/Patent Number: US2019045053A1
Publication date: 2019-02-07
Application number: 16/155,099
Filing date: 2018-10-09
Abstract: The invention relates to a customer interaction management system that comprises a memory, an input and a computer processor programmed to: interact, via a first communication channel, with the customer via an automate self-service feature; receive a customer input to opt out of the automated self-service feature; place the customer in a queue with an estimated wait time; determine whether the estimated wait time exceeds a threshold wait time; engage the customer in a self-service on hold feature via a second communication channel separate from the first communication channel; and maintain the customer's place in the queue while the customer interacts with the self-service on hold. The invention relates to a customer interaction management system that comprises a memory, an input and a computer processor programmed to: interact, via a first communication channel, with the customer via an automate self-service feature; receive a customer input to opt out of ...more ...less
7
US2019045057A1
Publication/Patent Number: US2019045057A1
Publication date: 2019-02-07
Application number: 16/153,916
Filing date: 2018-10-08
Inventor: Lee, Sih  
Abstract: System and method for integrated interactive response system and mobile devices are disclosed. According to one embodiment, a method for using an interactive response system with a mobile device may include (1) an application executed on a mobile electronic device initiating contact with an interactive response system for a first provider; (2) the application retrieving a plurality of menus for the interactive response system; (3) the application displaying a first menu comprising a first plurality of options for the interactive response system; (4) receiving a first selected option from one of the first plurality of options; and (5) the application providing the interactive response system with the first selected option. System and method for integrated interactive response system and mobile devices are disclosed. According to one embodiment, a method for using an interactive response system with a mobile device may include (1) an application executed on a mobile electronic device initiating ...more ...less
8
US2019019121A1
Publication/Patent Number: US2019019121A1
Publication date: 2019-01-17
Application number: 16/033,110
Filing date: 2018-07-11
Abstract: Systems and methods for distributed business process management are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for configuration-driven distributed orchestration using different software components to execute a complex business process may include: (1) receiving a request for a runtime flow from a flow management adapter; (2) reading a flow configuration from the request; (3) creating an instance of the runtime flow; (4) initiating a service call to each component in the runtime flow; (5) creating a runtime instance in a database along with a state of each dependency in the runtime flow; and in response to external dependencies being met: (6) building and sending message to the components using a message builder; (7) initiating flow actions via an event-driven scheduler; and (8) making a service call to at least one of the components using the message builders. Systems and methods for distributed business process management are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for configuration-driven distributed orchestration using different software components to ...more ...less
9
US2019042983A1
Publication/Patent Number: US2019042983A1
Publication date: 2019-02-07
Application number: 13/795,306
Filing date: 2013-03-12
Inventor: Field, Manning R.  
Abstract: Systems and methods for planning, booking and/or sharing a travel itinerary are disclosed. The system may comprise processor that is programmed to: (1) receive content from a financial institution which may include a number of points accumulated by a cardholder; a recommendation as to at least one item on a travel itinerary; and a number of points required to purchase at least one item on a travel itinerary; (2) generate a web page that may include a visual depiction of at least one travel destination and the number of points accumulated by the cardholder; (3) transmit the webpage to the cardholder; and (4) receive from the cardholder a request to book at least one item on the travel itinerary using the points. Systems and methods for planning, booking and/or sharing a travel itinerary are disclosed. The system may comprise processor that is programmed to: (1) receive content from a financial institution which may include a number of points accumulated by a cardholder; a recommendation ...more ...less
10
US2019057450A1
Publication/Patent Number: US2019057450A1
Publication date: 2019-02-21
Application number: 16/031,742
Filing date: 2018-07-10
Abstract: Methods, non-transitory computer readable media, and natural language understanding (NLU) service device are disclosed that receive raw requests for price quotes for financial instruments from two or more different types of communication channels and via one or more communication networks. The raw requests are in two or more different formats and comprise unstructured data. The unstructured data of the raw requests is analyzed to identify key value(s) associated with the raw requests. The raw requests are then automatically transformed based on the identified key value(s) into price quote request(s) comprising structured data in particular format(s) required by pricing application(s) hosted by pricing server device(s). The price quote request(s) are output to one or more of the pricing application(s) via another one or more communication networks in order to facilitate automated pricing of the financial instruments. Methods, non-transitory computer readable media, and natural language understanding (NLU) service device are disclosed that receive raw requests for price quotes for financial instruments from two or more different types of communication channels and via one or more ...more ...less
11
US2019182260A1
Publication/Patent Number: US2019182260A1
Publication date: 2019-06-13
Application number: 16/219,402
Filing date: 2018-12-13
Abstract: A system for and method of automatically providing access credentials to employees based upon the time and location of the employee when the request was made are provided. The system and method also control the provision of access credentials to an employee by using the employment status and role of the employee to determine whether the employee is authorized to receive the requested access credentials. A system for and method of automatically providing access credentials to employees based upon the time and location of the employee when the request was made are provided. The system and method also control the provision of access credentials to an employee by using the ...more ...less
12
US2019171427A1
Publication/Patent Number: US2019171427A1
Publication date: 2019-06-06
Application number: 16/207,531
Filing date: 2018-12-03
Abstract: An embodiment of the present invention is directed to automating deployment into tools and technologies related to big data analytics. The innovative system automates deployment and integration of various data related tools and technologies while managing internal applications and processes for change management. Deployment generally refers to implementation of code into the production environment. The innovative system integrates with an entity's Change Management Tools and Processes (e.g., ITSM, AIM, GFS, etc.) to provide automated deployment. An embodiment of the present invention is directed to automating deployment into tools and technologies related to big data analytics. The innovative system automates deployment and integration of various data related tools and technologies while managing internal applications ...more ...less
13
US2019243750A1
Publication/Patent Number: US2019243750A1
Publication date: 2019-08-08
Application number: 16/266,514
Filing date: 2019-02-04
Inventor: Mukherjee, Vivek  
Abstract: Systems and methods for creating, modifying, and executing user acceptance testing are provided. Exemplary embodiments may employ a repository of test cases which a user can copy and edit to produce user acceptance test plans. The system and method may provide auto-generated software feature files, skeletal test code and test parameters to an automation server which can executes the user acceptance test plans. The results of the tests may be provided to the user via a user interface. Systems and methods for creating, modifying, and executing user acceptance testing are provided. Exemplary embodiments may employ a repository of test cases which a user can copy and edit to produce user acceptance test plans. The system and method may provide auto-generated ...more ...less
14
US2019166118A1
Publication/Patent Number: US2019166118A1
Publication date: 2019-05-30
Application number: 16/204,350
Filing date: 2018-11-29
Abstract: Improved systems and methods of authenticating a user using a mobile device to access a secure electronic portal are provided. A user may be enabled to quickly and securely log onto a website or other electronic portal using a handheld electronic device. In certain embodiments, multifactor authentication is utilized to improve the security of the authentication process. Improved systems and methods of authenticating a user using a mobile device to access a secure electronic portal are provided. A user may be enabled to quickly and securely log onto a website or other electronic portal using a handheld electronic device. In certain embodiments ...more ...less
15
US2019065523A1
Publication/Patent Number: US2019065523A1
Publication date: 2019-02-28
Application number: 16/115,968
Filing date: 2018-08-29
Abstract: An embodiment of the present invention is directed to implementing machine learning to define business logic and lineage. The system analyzes data patterns of SORs as well as consumption attributes to define the business logic. An embodiment of the present invention may achieve over 95% match rate for complex attributes. When provided with thousands of SOR attributes, the innovative system may identify a handful of relevant SOR attributes required as well as the business logic to derive the consumption attribute. An embodiment of the present invention is directed to implementing machine learning to define business logic and lineage. The system analyzes data patterns of SORs as well as consumption attributes to define the business logic. An embodiment of the present invention may achieve ...more ...less
16
US2019081784A1
Publication/Patent Number: US2019081784A1
Publication date: 2019-03-14
Application number: 16/126,201
Filing date: 2018-09-10
Abstract: Systems and methods for token vault synchronization using a distributed ledger are disclosed. In one embodiment, in a distributed token ledger network comprising a plurality of nodes, each node associated with a token ledger and comprising at least one computer processor, a method for token vault synchronization using a distributed ledger may include: (1) a node receiving a lifecycle event for a payment token; (2) the node writing the lifecycle event to a token ledger for the node; (3) committing the lifecycle event to the distributed token ledger after the plurality of nodes in the distributed token ledger agree to committal; (4) a watcher at the node detecting the commitment of the lifecycle event to the distributed token ledger; and (5) the watcher communicating the lifecycle event to a non-node participant. Systems and methods for token vault synchronization using a distributed ledger are disclosed. In one embodiment, in a distributed token ledger network comprising a plurality of nodes, each node associated with a token ledger and comprising at least one computer processor, a ...more ...less
17
US2019080419A1
Publication/Patent Number: US2019080419A1
Publication date: 2019-03-14
Application number: 16/131,408
Filing date: 2018-09-14
Abstract: The invention relates to a computer-implemented system and method for scalable, customized general ledger processing. The method may include the step of receiving a client request for customized charts of accounts (COAs) according to a specified time frame. The customized COAs may include client-specific data and third party reference data. The method may involve automatically receiving source information, including position data and transaction data, from a number of sources. The system may include a distributed computer architecture such as Hadoop for parallel storage and processing of the source information across a plurality of nodes. The system can generate debit and credit postings from the source information, roll up the postings into the plurality of customized COAs, and deliver them to the client according to the client's preferred schedule, including in real time or near real time. The invention relates to a computer-implemented system and method for scalable, customized general ledger processing. The method may include the step of receiving a client request for customized charts of accounts (COAs) according to a specified time frame. The customized COAs ...more ...less
18
US2019188735A1
Publication/Patent Number: US2019188735A1
Publication date: 2019-06-20
Application number: 16/220,665
Filing date: 2018-12-14
Abstract: Systems and methods are provided to predict customer behavior during a digital transaction at a point of sale. The disclosed systems and methods can collect information regarding a merchant and the merchant's business as well as information about the current sales environment in which the merchant is operating. From the collected information, the disclosed systems and methods can process the collected information to generate a prediction of future customer behavior in real-time or near real-time. Systems and methods are provided to predict customer behavior during a digital transaction at a point of sale. The disclosed systems and methods can collect information regarding a merchant and the merchant's business as well as information about the current sales environment in ...more ...less