G06Q20/3267

PROGRAM, INFORMATION PROCESSING METHOD, TERMINAL, AND SERVER
20230120925 · 2023-04-20 · ·

An information processing method includes: receiving, by a communication part of a terminal, first information relating to a remittance request from a first user, displaying, in a display of the terminal, a first indication based on the first information, displaying, in the display, a second indication that is based on the remittance request and differs from the first indication, receiving, by the communication part, an input by a user of the terminal based on the second indication displayed in the display, and executing, by a processor of the terminal, remittance processing that is based on the remittance request and relates to remittance from the user of the terminal to the first user, based on the input by the user of the terminal.

PROCESSING APPARATUS, PROCESSING METHOD, AND NON-TRANSITORY STORAGE MEDIUM

The present invention provides a processing apparatus (10) including: a registration unit (12) that recognizes, based on image processing, product discrimination information of a product picked up from a product placing space, and registers the recognized product discrimination information in association with customer discrimination information; and a settlement unit (13) that executes, when it is detected, based on image processing, that a customer having picked up the product performs a predetermined action, a settlement based on a registration content resulting from the registration unit (12).

METHODS AND SYSTEMS FOR INTENT-BASED ATTRIBUTION SCHEDULE

Disclosed are methods and systems to provide a streaming service platform that allows communication sessions and payments to an artist based on user-centric royalty models and additional payment requests by users including a method that comprises: determining characteristics of the output of media content selected for output in association with a user account over a period of time, determining, based on the characteristics of the output, an intent value associated with the user account in relation to the media content, and generating an attribution schedule indicating a degree of attribution for the entity based on the determined intent value. The method may further comprise determining that the period of time has lapsed and facilitating a transfer of funds to an entity account associated with the entity utilizing the attribution schedule and based on the period of time lapsing.

Pervasive advisor for major expenditures

A pervasive advisor for major purchases and other expenditures may detect that a customer is contemplating a major purchase (e.g., through active listening). The advisor may assist the customer with the timing and manner of making the purchase in a way that is financially sensible in view of the customer's financial situation. A customer may be provided with dynamically-updated information in response to recent actions that may affect an approved loan amount and/or interest rate. Underwriting of a loan may be triggered based on the geo-location of the user. Financial advice may be provided to customers to help them meet their goals using information obtained from third party sources, such as purchase options based on particular goals. The pervasive advisor may thus intervene to assist with budgeting, financing, and timing of major expenditures based on the customer's location and on the customer's unique and changing circumstances.

System, Method, and Computer Program Product for Generating Digital Receipts
20230064227 · 2023-03-02 ·

A method, system, and computer program product is provided for generating digital receipts. The method includes receiving, through a first communication channel, a transaction request message from a merchant system for a transaction between a consumer and the merchant system using an account identifier, assigning a transaction identifier to the transaction, storing the first transaction data in association with the transaction identifier in at least one data storage device, receiving, through a second communication channel, digital receipt data comprising a digital receipt object and second transaction data, processing the transaction using the account identifier, determining the transaction identifier based on the second transaction data by matching the second transaction data to the first transaction data in the at least one data storage device, and storing the digital receipt object in association with the transaction identifier in the at least one data storage device or at least one other storage device.

Personal computing devices with improved graphical user interfaces
11630563 · 2023-04-18 · ·

A method includes generating a graphical user interface. The graphical user interface includes a transferor account widget that is selectable to select a transferor account, a transferee account widget that is selectable to select a transferee account, a transfer amount field, and a slider feature. The transferor account widget includes a numerical indicator regarding a balance in the transferor account. The slider feature is positioned between the transferor account widget and the transferee account widget and has an origin and a goal. The method includes detecting a slide of a user input member from the origin to the goal. The method further includes altering the numerical indicator based on the detected slide of the user input member. The method further includes, in response to detecting the slide of the user input member, indicating a transfer of funds from the transferor account to the transferee account.

SYSTEMS AND METHODS OF VERIFYING ORIGIN OF REQUEST FOR PAYMENT
20230061294 · 2023-03-02 ·

A method for verifying origin of request for payments may include a financial institution computer program: receiving a request for a payment URL from a merchant, the payment URL provided for a transaction with a customer; generating the payment URL, wherein the payment URL comprises a pointer to a network location for the financial institution; providing the payment URL to a customer electronic device; receiving, from the customer electronic device and at a browsed URL, a stored or pinned certificate of domain for the payment URL; (5) comparing the stored or pinned certificate of domain for the payment URL to a certificate of domain for the browsed URL; presenting a payment page in response to a match; and returning an error in response to a mismatch.

PLATFORM FOR MANAGING MOBILE APPLICATIONS
20230113923 · 2023-04-13 ·

Embodiments of the invention make consumer application adoption more efficient by giving suppliers access to the desired target audience by displaying the applications to the right audience. Suppliers can provide criteria for the kinds of users they are looking to target using constraints. Embodiments of the invention enable viewers that match the constraints to see the service. The user gets to see an automatically generated application set, that is instantly available, with a high probability of containing the application the user is likely to seek. Identity and Payment support are built into the platform, such that the user no longer needs to register with each application or set up payment with each application. In addition, the platform reduces bandwidth consumption, storage front print, and power consumption of the user device by choosing when and which modules to download to the user device.

NON-TRANSITORY COMPUTER-READABLE RECORDING MEDIUM FOR PURCHASING CONSUMABLES
20230111708 · 2023-04-13 ·

A device is configured to obtain startup information of a consumable purchasing program, and download and start up the consumable purchasing program. The consumable purchasing program obtains printer information indicating a printer to be used by the device from a printing application. The consumable purchasing program check the printer information obtained from the printing application against consumables database, generate a list of the consumables compatible with the printer, and display a purchase procedure screen configured to receive a purchasing instruction to purchase a consumable included in the list. The consumable purchasing program performs a purchase procedure of the consumable when receiving the purchasing instruction through the purchase screen.

Systems and methods for in-application and in-browser purchases

A system may identify a purchase transaction request from a merchant application and generate an in-app payment cryptogram for the purchase transaction request based on a limited use payment credential (LUPC). The in-app payment cryptogram may be provided to the merchant application. The merchant application may transmit the in-app payment cryptogram to a merchant computing device. A request may be received from a payment network to update the LUPC. A security library may be executed to determine that the client device is secure. The execution of the security library may generate a device attestation response, and the device attestation response is transmitted to the payment network. An updated LUPC may be received from the payment network.