Systems and methods are provided for converting account credentials in mobile devices. An example method includes receiving a request to digitize a second account in a mobile device, in place of a first account, and determining a type of the second account is different than a type of the first account. The method also includes identifying a first application identifier (AID) for the second account and transmitting, to a digital platform computing device, a request to digitize the second account to the mobile device. The method then further includes receiving, from the digital platform computing device, a notice to digitize the second account to an instance of the application for the second account in the mobile device, where the notice includes an AID for the first account, validating the AID for the first account, and generating and transmitting personalization data to the digital platform computing device.
An automatic name change computer includes a database and processor. An account information table includes a first record with a first account identifier. The processor receives an update file from a first server. The update file includes a second record including a second account identifier, a current legal name of a cardholder, and an updated legal name of the cardholder. Based on the account identifiers matching, the processor writes the updated legal name to the first record. The processor transmits a soft credit check inquiry to a second server and receives one or more accounts associated with the first account identifier. The processor presents a list of the accounts to a cardholder, receives a selection of one or more of the accounts, and writes the updated legal name to a cardholder update file. The processor then transmits the cardholder update file to an account provider.
A method for distributing event data for smart contracts executed on a blockchain to subscribing systems includes: collecting, by a processor of a blockchain node in a blockchain network, a set of event data emitted by a smart contract executed on a blockchain associated with the blockchain network; identifying, by the processor of the blockchain node, communication data for one or more subscriber computing systems; and after a predetermined period of time, transmitting, by a transmitter of the blockchain node, the collected event data to each of the one or more subscriber computing systems using the communication data.
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
H04L 9/00 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité
H04L 67/06 - Protocoles spécialement adaptés au transfert de fichiers, p.ex. protocole de transfert de fichier [FTP]
H04L 67/1097 - Protocoles dans lesquels une application est distribuée parmi les nœuds du réseau pour le stockage distribué de données dans des réseaux, p.ex. dispositions de transport pour le système de fichiers réseau [NFS], réseaux de stockage [SAN] ou stockage en réseau [NAS]
Systems and methods are provided for replicating data between different services used to update databases. One example system includes a database and a computing device coupled in communication with the database, wherein the computing device is configured to perform a create, update or delete operation on the data included in the database and to post an entry representative of the operation to an outbox data structure. The computing device is also configured to retrieve the entry from the outbox data structure; publish the entry as a first message to a message bus, thereby informing a different data system of the operation in the database; receive a second message from the message bus indicative of a create, update or delete operation at a database included in a different data system; and direct a service of the system to perform the create, update or delete operation of the second message.
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
A method for authentication of non-fungible tokens (NFTs) includes receiving a validation request for an NFT from an external platform including a smart contract identifier; calculating an authentication score for the NFT based on at least (i) wallet activity associated with a creator blockchain wallet identified based on the smart contract identifier, and (ii) a fraud score of the external platform; and if the calculated authentication score for the NFT is below a predetermined threshold value, transmitting a negative response message to the validation request indicating unsuccessful validation of the NFT, or if the calculated authentication score for the NFT is above the predetermined threshold value, transmitting a positive response message to the validation request indicating successful validation of the NFT and instructing the external platform to execute a smart contract associated with the smart contract identifier.
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06F 21/16 - Traçabilité de programme ou de contenu, p.ex. par filigranage
G06Q 20/06 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
A method of providing a secure service at a computing node for a requesting party external to the computing node is described. This computing node is one of a plurality of computing nodes in a distributed computing system adapted to provide the secure service. The method comprises the following steps carried out at the computing node. A service request is received from a requesting party, wherein the service request comprises a request to generate a credential. The credential is then generated using a cryptographic key and an instance counter, wherein the cryptographic key is determined from a currently active key list of cryptographic keys for use by the computing node, wherein key lists are rotated to provide a new currently active key list at a predetermined rotation frequency, and wherein the instance counter is determined by a number of instances of performing the service within a predetermined time window. The credential is provided such that a key list reference and an instance counter value can be determined from the credential without decryption. However, the credential further comprises a key list enhancement, such that the key list enhancement is used to prevent clash between credentials having a common key list reference and a common instance counter value. A complementary method of validating such a credential is also described, together with computing apparatus adapted to perform such methods.
A method for authentication of non-fungible tokens (NFTs) includes receiving a validation request for an NFT from an external platform including a smart contract identifier; calculating an authentication score for the NFT based on at least (i) wallet activity associated with a creator blockchain wallet identified based on the smart contract identifier, and (ii) a fraud score of the external platform; and if the calculated authentication score for the NFT is below a predetermined threshold value, transmitting a negative response message to the validation request indicating unsuccessful validation of the NFT, or if the calculated authentication score for the NFT is above the predetermined threshold value, transmitting a positive response message to the validation request indicating successful validation of the NFT and instructing the external platform to execute a smart contract associated with the smart contract identifier.
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/38 - 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
A system includes a processor and a memory including computer program code. The memory and the computer program code are configured to, with the processor, cause the processor to: receive historical campaign data; determine a likelihood that a vendor will accept a card offer by inputting the historical campaign data into a machine learning model that has been trained for at least one campaign using training data comprising past campaign performance data; automatically recommend a campaign strategy tailored for the vendor using the machine learning model, wherein the recommended campaign strategy is an output of the machine learning model that is based on the determined likelihood that the vendor will accept the card offer; and automatically display the recommended campaign strategy output from the machine learning model on a graphical user interface (GUI).
The computer implemented image matching method involves the use of a quantum computer communicating with a classical computer. The method includes the following steps: (a) The classical computer receives input data. (b) The classical computer generates an input graph representing the input data, (c) The classical computer augments the input graph, (d) An iteration block is performed. (e) The iteration block is repeated using the new permutation parameter, the permuted first adjacency matrix, and a new existing graph until a threshold is met. In the first iteration of the iteration block, the accumulated permutation is the identity, making the permuted first adjacency matrix equal to the first adjacency matrix. The first graph is isomorphic with the second graph when the loss is minimized, indicating a match between the first data and the existing data.
Systems, methods, and computer program code are provided to contactlessly provision payment card information into a mobile wallet application of a mobile device are provided.
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
G06Q 20/38 - 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 20/14 - Architectures de paiement spécialement adaptées aux systèmes de facturation
12.
Variable Freezing Method for an Objective Optimisation Problem
A computer implemented method for optimising, an objective optimisation problem. The methods begins by receiving the objective optimisation problem. The objective optimisation problem is represented by an L×L objective matrix comprising a plurality of matrix components A set of frozen variables is received. The method determines a set of freezable matrix components corresponding to the set of frozen variables. Then, a contribution vector is determined based on the set of freezable matrix components and the set of frozen variables An equivalent optimisation problem is determined based on the contribution vector and the objective optimisation problem. The equivalent optimisation problem excludes the freezable matrix components such that the equivalent optimisation problem may be solved on a quantum computer using fewer quantum bits than the objective optimisation problem would require.
Digital notification servers, methods, and non-transitory computer-readable media. In one embodiment, a server including a communication interface, a memory, and an electronic processor. The electronic processor is configured to receive supplier information and a plurality of digital notifications from the supplier interface device, each of the plurality of digital notifications linked to one or more remuneration vehicles of a plurality of remuneration vehicles and the supplier information, store the supplier information and the plurality of digital notifications in the memory, receive a request for the plurality of digital notifications from the third-party server, the request including the supplier information, and output the plurality of digital notifications to the third-party server, wherein the plurality of digital notifications notify a user of the third-party server of a difference between the plurality of remuneration vehicles and other remuneration vehicles.
A method for conversion of digital assets to fiat currency using a secondary blockchain and mirrored accounting includes: receiving transaction data corresponding to a first blockchain transaction processed using a first blockchain, the transaction data including a payer identifier, recipient identifier, and blockchain currency amount; validating an entity as an authorized entity associated with the payer identifier; determining a fiat currency amount based on the blockchain currency amount; generating a second blockchain transaction, the second blockchain transaction including an unspent transaction output, destination address associated with the authorized entity, and the blockchain currency amount and/or the fiat currency amount; confirming addition of the second blockchain transaction to a second blockchain; and initiating a transfer for the fiat currency amount from a first transaction account to a second transaction account, the second transaction account being associated with the authorized entity.
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 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte
H04L 9/00 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité
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
A computer implemented method for updating a database schema. The method comprises reading (101a, 101b) and then comparing (102) first and second database schemata. Tasks are then generated (103) in dependence on the comparison. The tasks are for converting a database defined by the first schema into a database defined by the second schema. The tasks are then executed (104) in a defined order in order to carry out the database update.
Methods of providing a secure service at a computing node for a requesting party external to the computing node are described. One method comprises receiving a service request comprising a request to generate a credential. Service requirements of the requesting party are determined from the service request. The credential is then generated, and any further data needed to meet service requirements of the requesting party is obtained. A credential data format is determined to meet the service requirements and a code value for the credential data format is established. The code value, the credential and the further data are then stored in the credential data format, and a message comprising the credential in the credential data format is sent to the requesting party. Another method comprises receiving a service request comprising a request to validate a credential, wherein the credential is provided in a credential data format. The credential data format is determined from a code value stored in the credential data format. The credential and further data relating to service requirements are extracted from the credential data format, and the credential is validated. A message comprising a validation result is then sent to the requesting party. Apparatus suitable to perform these methods is also described.
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 21/64 - Protection de l’intégrité des données, p.ex. par sommes de contrôle, certificats ou signatures
Systems, methods, and computer program code are provided to contactlessly provision payment card information into a mobile wallet application of a mobile device are provided.
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
18.
SYSTEMS AND METHODS FOR GENERATING CUSTOMER SATISFACTION SCORE
A gratuity analytics computing system, for generating gratuity analytics for a plurality of transactions of a customer at a service provider within a date range, is in communication with an electronic device of the service provider over an electronic network. The system includes a gratuity analytics computing device, a database including a memory in operable electronic communication with the gratuity analytics computing device, and a processor configured to: receive transaction data for the plurality of customer transactions occurring within the date range, match a plurality of authorization messages with a respective plurality of clearing messages, generate gratuity analytics for the plurality of customer transactions over the date range based on average tip data from the customer, and calculate a customer satisfaction score for one customer transaction of the plurality of customer transactions based on the generated gratuity analytics.
G06Q 30/016 - Fourniture d’une assistance aux clients, p. ex pour assister un client dans un lieu commercial ou par un service d’assistance après-vente
19.
CRYPTOGRAPHIC SERVICE DELIVERY IN A DECENTRALIZED TRANSACTION SYSTEM
A method of providing a cryptographic service at a computing node is described. The cryptographic service is provided for a requesting party external to the computing node in relation to a transaction. The cryptographic service operates on transaction data in a cryptographic service format. At the computing node, the following steps take place. A service request is received from a requesting party: this service request comprises a request to perform a cryptographic service in relation to the transaction; and the request comprises transaction data in a transaction format. The computing node detects from the transaction data in the transaction format that it comprises transaction data in a cryptographic service format, and it extracts the transaction data in the cryptographic service from one or more data fields of the transaction format. This is possible as the one or more data fields have been repurposed to contain the transaction data in the cryptographic service format. The computing node then processes the transaction data in the cryptographic service format to perform the cryptographic service. An associated method of performing a transaction is also described, along with suitable computing apparatus for performing these methods.
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
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 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
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
20.
METHOD AND SYSTEM FOR FACILITATING TRUSTLESS PAYMENT TRANSACTIONS USING SMART CONTRACTS
A method for processing a trustless blockchain transfer via a card payment network includes: storing, in a blockchain associated with a blockchain network, a smart contract configured to control an amount of blockchain currency in the blockchain; receiving, by a blockchain node in the blockchain network, an authorization request message from a first computing system, where the blockchain nodes submits the authorization request message as input to the smart contract; receiving, by a blockchain node, an authorization response message from a second computing system, where the blockchain nodes submits the authorization response message as input to the smart contract; and executing, by a blockchain node, the smart contract in the blockchain causing the smart contract to (i) verify the authorization request message and authorization response message, and (ii) transfer at least a portion of the amount of blockchain currency to a predetermined blockchain address.
G06Q 20/06 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
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 21/64 - Protection de l’intégrité des données, p.ex. par sommes de contrôle, certificats ou signatures
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
21.
DATA MANAGEMENT AND ENCRYPTION IN A DISTRIBUTED COMPUTING SYSTEM
A method of providing a secure service at a computing node for a requesting party external to the computing node is described. The following steps are taken at the computing node. A service request comprising a request to generate a credential is received from a requesting party. The computing node generates the credential and obtains service-related information. A clear message part is created comprising service-identifying information. A checksum is then created from at least a part of the service-identifying information and from at least a part of the credential and the service-related information. The credential, the service-related information and the checksum are then encrypted to form an encrypted message part. A message comprising the clear message part and the encrypted message part is then sent to the requesting party. Methods for providing secure services to validate the credential and to obtain the service-related information are also described, as is computing apparatus adapted to perform all these methods.
H04L 9/06 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité l'appareil de chiffrement utilisant des registres à décalage ou des mémoires pour le codage par blocs, p.ex. système DES
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
22.
METHOD AND SYSTEM FOR FACILITATING TRUSTLESS PAYMENT TRANSACTIONS USING SMART CONTRACTS
A method for processing a trustless blockchain transfer via a card payment network includes: storing, in a blockchain associated with a blockchain network, a smart contract configured to control an amount of blockchain currency in the blockchain; receiving, by a blockchain node in the blockchain network, an authorization request message from a first computing system, where the blockchain nodes submits the authorization request message as input to the smart contract; receiving, by a blockchain node, an authorization response message from a second computing system, where the blockchain nodes submits the authorization response message as input to the smart contract; and executing, by a blockchain node, the smart contract in the blockchain causing the smart contract to (i) verify the authorization request message and authorization response message, and (ii) transfer at least a portion of the amount of blockchain currency to a predetermined blockchain address.
G06Q 20/06 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
H04L 9/00 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité
23.
ARTIFICIAL INTELLIGENCE-BASED SYSTEMS AND METHODS FOR DETECTING ANOMALOUS DATA
A computer system for analyzing data using AI modeling tools to detect anomalous data associated with a person. The computer system includes at least one processor and an AI model. The at least one processor is programmed to receive person data associated with the person including payment transaction records, input the person data into the at least one AI model to generate one or more outputs including (i) identifying anomalous data of the person, (ii) identifying at least one present need of the person from the anomalous data, and (iii) outputting a recommendation for addressing the at least one present need and transmit a notification message to a caregiver computer.
G16H 40/20 - TIC spécialement adaptées à la gestion ou à l’administration de ressources ou d’établissements de santé; TIC spécialement adaptées à la gestion ou au fonctionnement d’équipement ou de dispositifs médicaux pour la gestion ou l’administration de ressources ou d’établissements de soins de santé, p.ex. pour la gestion du personnel hospitalier ou de salles d’opération
A computer system for multi-stage residual modeling for authorizing an online user is provided. The computer system is programmed to store a plurality of models for analyzing transactions including a first model and a second model; receive a plurality of authorization data associated with a user and a transaction associated with the user; execute in real-time the first model using the plurality of authorization data to receive a first output for the first model, wherein the first output is within an output range; determine a remainder from the first model based on the first output and the output range; execute the second model using the plurality of authorization data and the remainder to generate a second output; combine the first output and the second output to generate a final output; and return the final output for decisioning on whether to authorize the transaction.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06F 30/20 - Optimisation, vérification ou simulation de l’objet conçu
25.
MEMORY REDUCTION IN FRAUD DETECTION MODEL PERFORMANCE OPTIMIZATION USING COMPRESSED DATA
Fraud detection model performance is represented as compressed data in the form of polynomial curve coefficients. A data compression setting, a set of independent variable values, and a set of dependent variable values are used in polynomial regression to generate coefficients of a polynomial curve. The data compression setting is related to the order of the polynomial, for example set to the degrees of freedom (DOF) defined as the polynomial order. A lower DOF yields a higher error, but with a higher degree of compression. The lowest DOF with a tolerable error is selected and the polynomial coefficients are transmitted to a remote node. The remote node regenerates the polynomial curve for comparison with a polynomial curve from a prior time period, in order to determine a performance trend. The trend is used to either generate an alert or trigger further training of the fraud detection model.
A computer system for multi-stage residual modeling for authorizing an online user is provided. The computer system is programmed to store a plurality of models for analyzing transactions including a first model and a second model; receive a plurality of authorization data associated with a user and a transaction associated with the user; execute in real-time the first model using the plurality of authorization data to receive a first output for the first model, wherein the first output is within an output range; determine a remainder from the first model based on the first output and the output range; execute the second model using the plurality of authorization data and the remainder to generate a second output; combine the first output and the second output to generate a final output; and return the final output for decisioning on whether to authorize the transaction.
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
A method of transferring information with verification from a first party to a second party using suitably programmed computing apparatus is described. Information from a first party private address to a first party public address. This information is then sent from the first party public address to a second party address. The information is also provided for public recordal on a block of a block chain for verification. The first party private address is not communicated to the second party but the first party public address is communicated to the second party. This approach is particularly suitable for transfer of cryptocurrency, as it allows for an effective refund mechanism. Computing apparatus and application software adapted to implement this approach is also described.
G06Q 20/06 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
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
28.
SYSTEMS AND METHODS FOR INTELLIGENT STEP-UP FOR ACCESS CONTROL SYSTEMS
Some embodiments may provide systems, methods and computer program code to method to facilitate an interaction involving a user which include determining that a user authentication is required to complete the interaction, identifying at least a first verified device associated with the user, and transmitting an authentication message to the at least first verified device.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
The disclosure herein describes automatically maintaining and updating content data on a compliance platform. Case content data is obtained from a compliance platform and cached in a case cache, including user content data and team content data associated with users of cases on the compliance platform. Team content data is then obtained from a team data platform and cached in a team cache. User content data and team content data on the compliance platform that needs to be updated is identified using the cached case content data and the cached data in the team cache. Up-to-date content data corresponding to the identified user content data and identified team content data from a user data platform and the team cache is then used to update compliance cases on the compliance platform. The compliance cases of the compliance platform are updated periodically and automatically using the described processes.
36 - Services financiers, assurances et affaires immobilières
38 - Services de télécommunications
41 - Éducation, divertissements, activités sportives et culturelles
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Business advice; business assistance; conducting exhibitions for business and commercial purposes; retail services and on-line retail services relating to apparatus for recording, transmission or reproduction of sound or images, computer multimedia products, recording discs, compact discs, dvds and other digital recording media, data processing equipment, computer software, parts and fittings for all the aforesaid goods; retail services and on-line retail services relating to downloadable electronic publications, batteries, rechargeable batteries, power packs (batteries), chargers for batteries, charging docks, battery charging equipment, computer games, interactive games, sound or video recordings, digital recordings of entertainment provided from the Internet; retail services and on-line retail services relating to smartwatches, smartbands, wearable smartphones; retail services and on-line retail services relating to printed matter, books, albums, posters, tickets, information books, promotional literature, programmes, flyers, leaflets, tickets, passes, events albums, events programmes, artists' and drawing materials, art prints, beer mats, paper coasters; retail services and on-line retail services relating to luggage, bags, all-purpose sports and athletic bags, camping bags, credit card cases, passport cases, key cases, umbrellas and parasols, apparel for animals, collars and leashes; retail services and on-line retail services relating to household or kitchen utensils and containers, glassware, porcelain and earthenware, mugs, including reusable mugs, beer glasses, tankards, bottle openers, corkscrews, beer mats and coasters not of paper or textile, drinking bottles and flasks; retail services and on-line retail services relating to insulated bottles, aluminium water bottles, reusable stainless steel water bottles, insulating sleeve holders for hot beverages; retail services and on-line retail services relating to clothing, footwear and headgear, belts, gloves, wellington boots; retail services and on-line retail services relating to toys, games and playthings, outdoor toys, toy glow sticks, toys for pets, decorations for Christmas trees, parts and fittings for all the aforesaid goods; the bringing together for the benefit of others, of a variety of retail outlets offering food, beverages, jewellery, bags, clothing, headgear, toys, games, playthings, cosmetic products, fragrancing preparations, beauty products, beauty preparations, toiletries, music, CDs, DVDs, home textiles, printed matter, posters, books, printed publications, drinking bottles and flasks, enabling customers to conveniently view and purchase such goods at festivals and performance art entertainment events; the bringing together for the benefit of others, of a variety of entertainment services, restaurant services, bar services, café services, music entertainment services, cinema services, night club services, children’s entertainment services, circus performances, theatrical performances, live performance services, enabling customers to conveniently view, make use of and purchase such services at festivals and performance art entertainment events; promotion of performance art entertainment including music, dance, comedy, theatre and circus, and the aforementioned services provided on-line from a computer database on the Internet; on-line retail store services in relation to downloadable software namely virtual merchandise, namely virtual footwear, virtual clothing, virtual headwear, virtual eyewear, virtual bags, virtual sports bags, virtual backpacks, virtual art, virtual trophies, virtual toys and footwear accessories, virtual clothing accessories, virtual headwear accessories, virtual eyewear accessories, virtual sports bags accessories, virtual backpacks accessories, virtual art accessories, virtual trophies accessories, virtual toys accessories; providing a website being an online marketplace for selling and trading virtual goods with other users; organizing and conducting events, exhibitions, expositions and conferences for commercial purposes in the interactive entertainment, virtual reality, consumer electronics and video game entertainment industries; online retail store services in relation to virtual reality and augmented reality hardware and software; online retail store services in relation to virtual reality content and digital media, namely, pre-recorded music, video, images, text, audiovisual works and virtual and augmented reality game software, information, data processing; advisory and consultancy services relating to the aforesaid. Insurance; financial affairs; monetary affairs; real estate affairs; financial consultancy; financial information; financial sponsorship; financial services, namely, banking, credit card services, debit card services, charge card services, pre-paid card services offered through cards with stored value, electronic credit and debit transactions, bill payment and presentment services, cash disbursement, check verification, check cashing, deposit access and automated teller machine services; financial services, namely, transaction authorization and settlement services, transaction reconciliation, cash management, consolidated funds settlement, consolidated dispute processing, financial information with respect to data repository and client profile information services, and related switching, gateway, settlement/reconciliation, and funds movement services in the field of payment cards, electronic payment processing services, payment transaction authentication and verification services; financial services, namely, value exchange services, namely, secure electronic cash transactions and electronic cash transmissions, over public computer networks to facilitate electronic commerce, providing financial information, namely, credit and debit card data and reports, electronic funds transfer and currency exchange services, financial assessment and risk management services for others in the field of consumer credit; dissemination of financial information via a global computer network, financial information rendered by computer by means of a secure information computer network and advisory services regarding all of the foregoing services; the provision of financial services for the support of retail services provided through mobile telecommunications means, namely, payment services through wireless devices; the provision of financial services for the support of retail services provided on-line, through electronic networks; financial analysis and consultation; banking and credit services; banking, payment, credit, debit, charge, cash disbursement, stored valued deposit access services; cheque verification; processing of financial transactions both on-line via a computer database or via telecommunications and at point of sale; processing services for financial transactions by card holders via automatic teller machines; the provision of balance details, deposits and withdrawals of money to card holders via automatic teller machines; financial settlement and financial authorization services in connection with the processing of financial payment transactions; travel insurance services; issuing and redemption of travelers cheques and travel vouchers; payer authentication services; verification of financial information; maintenance of financial records; remote payment services; stored value electronic purse services, electronic payments services and transaction authorization and settlement services; provision of debit and credit services by means of radio frequency identification devices (transponders); provision of debit and credit services by means of communication and telecommunication devices; the provision of financial services for the support of retail services provided through mobile telecommunications means, including payment services through wireless devices; processing of credit and debit transactions by telephone and telecommunication link; the provision of financial services for the support of retail services provided on-line, through networks or other electronic means using electronically digitized information; value exchange services, namely, the secure exchange of value, including electronic cash, over computer networks accessible by means of smartcards; bill payment services provided through a website; on-line banking; financial services provided over the telephone and by means of a global computer network or the Internet; financial services, namely, the provision of contactless mobile payments through merchants at retail, online and wholesale locations; financial services, namely, providing a cloud-based digital wallet that stores customer account information to access coupons, vouchers, voucher codes and rebates at retailers and to obtain loyalty or monetary rewards that can be credited to their accounts via a cash-back system; real estate property services; real estate valuations; real estate investment management; real estate investment services; real estate insurance services; insurance for property owners; insurance services relating to property; real estate financing; real estate brokerage; real estate appraisals; real estate agency services; evaluation of real estate; real estate administration; administration of financial affairs relating to real estate; provision of real estate loans; financing services relating to real estate development; financial brokerage services for real estate; financial services relating to real estate property and buildings; financial services for the purchase of real estate; arranging of loan agreements secured on real estate; arranging of shared ownership of real estate; arranging the provision of finance for real estate purchase; assisting in the acquisition of and interests in real estate; capital investment in real estate; commercial property investment services; financial services relating to the acquisition of property; financial services relating to the sale of property; financial valuation of freehold property; financial valuation of leasehold property; arranging letting of real estate; arranging of leases of real estate; leasing of property; leasing of real estate property; leasing of freehold property; estate management services relating to transactions in real property; valuation of property; property portfolio management; management of property; advisory services relating to real estate ownership; advisory services relating to real estate valuations; corporate real estate advisory services; computerized information services relating to real estate; consultation services relating to real estate; provision of information relating to real estate property; provision of information relating to the property market; research services relating to real estate acquisition; research services relating to real estate selection; leasing and rental of retail space to third parties at festivals and performance art entertainment events; real estate management services relating to entertainment venues; mortgage financing and asset securitization; consulting services regarding payment solutions, banking, credit card, debit card and payment card; financial records management; providing information relating to financial services via a computer database or the Internet; organisation of events for fund raising.; information, advisory and consultancy services relating to the aforesaid.. Telecommunications services; data streaming services; streaming of audio and video material on the Internet; streaming of television over the Internet; providing access to databases; providing internet chatrooms; providing access to websites on the Internet or any other communications networks; delivery, transmission, streaming, broadcasting, webcasting of data and digital content, including of videos, podcasts and audio recordings; providing access to data and digital content websites on the internet; Internet based telecommunication services for uploading and downloading digital content, computer software apps, information, software, media, documents from online digital networks, cloud networks and servers; chat room services; interactive communications services; providing online forums for transmission of messages among computer users; provision of forums for social networking; providing access to portals on the internet; telecommunication services provided via platforms and portals on the Internet; providing access to information via the Internet; transmission of interactive entertainment software; providing user access to computer programmes in data networks; providing user access to a global computer network; communication by online blogs; rental of access time to global computer networks; audio-visual communication services; transmission and distribution of data or audio-visual images via a global computer network or the Internet; hire of communications and telecommunications apparatus; information, advisory and consultancy services relating to the aforesaid. Entertainment; sporting and cultural activities; education; recreational camp services; exhibition services for entertainment and cultural purposes; event planning services; organisation, production, management and conducting of performance art entertainment including music, dance, comedy, theatre and circus, and the aforementioned services provided on-line from a computer database on the Internet; festival services, performance of music, dance, comedy, theatre, poetry and circus entertainment, including such services provided on-line from a computer database or the Internet; production of radio and television programmes; performance of radio and television programmes; production and performance of sound recordings, image recordings, videos, films, concerts, shows; recording studio services; music and text publishing services; musical and visual entertainment provided on-line from a computer database or the Internet; providing digital music from the Internet; electronic games services provided by means of the Internet or other on-line services; providing online electronic publications; rental of audio and video recordings, publications, electronic publications; provision of information regarding entertainment, sporting and cultural activities; information about entertainment and entertainment events provided via online networks and the internet; entertainment services for sharing audio and video recordings; hire of stage scenery; information, consultancy and advisory services relating to all of the aforesaid services, including such services provided on-line from a computer database or the Internet. Electronic storage of data and information; hosting of databases; creating and designing website-based indexes of information for others (information technology services); providing temporary use of online non-downloadable software; providing temporary use of non-downloadable software applications accessible via a website; hosting of digital content; hosting of digital content, namely blogs; hosting web portals; computer software rental services; leasing of computer software; Software as a Service; Platform as a Service; hosting online web facilities for others for sharing online content; providing temporary use of non-downloadable software to enable sharing of multimedia content and comments among users; design and development of computer hardware and software; conversion of data or documents from physical to electronic media; computer hardware and software consulting services; computer programming; support and consultation services for managing computer systems, databases and applications; providing temporary use of non-downloadable software and applications for managing, locating, activating and revoking authentication and digital credentials of near field communication (NFC) devices; design and development of computer hardware and application software for mobile digital devices; design, development, maintenance and update of downloadable computer programs and application software for mobile phones and other digital devices that allows users to access coupons, vouchers, voucher codes, rebates, price-comparison information, product reviews, links to the retail websites of others, and discount information; design, development, maintenance and update of downloadable computer programs and application software that allows users to access sales promotion offers and obtain monetary rewards that can be credited to their accounts via a cash-back system; application software provider (ASP) featuring software for receiving, transmitting and displaying vouchers, coupons, voucher codes, special offers, reviews, product information, price comparison information, links to websites, and receiving and transmitting data for the purchase of goods and services; application service provider featuring software for providing consumers with information regarding discounts, vouchers and special offers for the goods and services of others; application service provider services concerning social networking software; graphic design for the compilation of web pages on the Internet; information relating to computer hardware or software provided on-line from a global computer network or the Internet; creating and maintaining web-sites; hosting the web-sites of others; creation of web pages; the design, creation and hosting of merchant websites; the designing, creation and hosting of bill payment websites; computer and Internet related services, namely, providing on-line electronic databases via a global computer network in the field of identity authentication and verification; data encryption and decryption of financial information; digital signature authentication services for authentication of others, namely, data encryption and data integrity; providing for others encrypted and digitally signed and authenticated data for use in issuance, and validation of digital certificates in the field of document authentication; digital certificate verification, authentication, issuance, distribution and management; technical consultation services in the fields of computer programming, financial computer networks, data processing, secure communications, data encryption and decryption and local area network security; dissemination of information over a global computer network in the fields of computer software, computer hardware, financial computer networks and local area networks; data verification services; data storage and retrieval services; data repository services; computerised customer information and data storage; information, advisory and consultancy services relating to all the aforesaid services; information, advisory and consultancy services relating to the aforesaid.
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
38 - Services de télécommunications
41 - Éducation, divertissements, activités sportives et culturelles
42 - Services scientifiques, technologiques et industriels, recherche et conception
45 - Services juridiques; services de sécurité; services personnels pour individus
Produits et services
Scientific, nautical, surveying, photographic, cinematographic, weighing, measuring, signaling, checking (supervision), life-saving and teaching apparatus and instruments; apparatus and instruments for conducting, switching, transforming, accumulating, regulating or controlling electricity; apparatus for recording, transmission or reproduction of sound or images; magnetic data carriers, recording discs; compact discs, DVDs and other digital recording media; mechanisms for coin-operated apparatus; cash registers, calculating machines, data processing equipment, computers; computer software and computer programs (downloadable/recorded computer software); computer operating programs, recorded; computer hardware and software (recorded and/or downloadable) for facilitating and administering payment, banking, credit card, debit card, payment card, automatic teller machine, stored value, electronic funds transfer, electronic payments, electronic processing and transmission of bill payment data, cash disbursement, transaction authentication, routing, authorization and settlement services, fraud detection and control, disaster recovery and encryption services; telecommunication and electrical apparatus and instruments, namely, apparatus for the recording, transmission and reproduction of data including sound and images; accounting machines; apparatus for tracking, management and analysis of financial accounts via a global computer network; computer hardware and software, namely, for the development, maintenance and use of local and wide area computer networks; systems for reading memory cards and systems for reading data in memories, namely, integrated circuit memories and banking card memories; downloadable electronic publications; printing apparatus including printing apparatus for data processing systems and financial transaction systems; encoders and decoders; modems; computer hardware and software for facilitating payment transactions by electronic means over wireless networks, global computer networks and/or mobile telecommunications devices; computer hardware and encryption software, encryption keys, digital certificates, digital signatures, software for secure data storage and retrieval and transmission of confidential customer information used by individuals, banking and financial institutions; computer software and hardware that facilitates the identification and authentication of near field communication (NFC) devices and radio frequency identification (RFID) devices; computer hardware and software comprising a digital wallet that stores customer account information to access coupons, vouchers, voucher codes and rebates at retailers and to obtain loyalty or monetary rewards that can be credited to their accounts; downloadable computer programs and application software for mobile phones and other digital devices comprising a digital wallet that allow users to access price-comparison information, product reviews, links to the retail websites of others, and discount information; software application for use in connection with contactless payment terminals for the purpose of allowing merchants to accept contactless mobile commerce transactions, contactless presentation of loyalty credentials, and contactless redemption of coupons, rebates, discounts, vouchers and special offers; software application that allows merchants to deliver coupons, rebates, discounts, vouchers and special offers directly to the mobile telecommunications devices of consumers delivered by contactless RFID or NFC communications; software application that allows merchants to deploy smart posters in retail and wholesale in-store locations that consumers can tap with their mobile telecommunications devices to access coupons, rebates, discounts, vouchers and special offers delivered by contactless RFID or NFC communications; integrated circuit chips for use in mobile phones and NFC and RFID devices; magnetic encoded cards and cards containing an integrated circuit chip (smart cards); security encoded cards; cards encoded with security features for authentication purposes; cards encoded with security features for identification purposes; hologram impregnated cards (encoded); charge cards, bank cards, credit cards, debit cards, chip cards, stored value cards, electronic data carrier cards, payment cards and payment cards all encoded; banking cards, namely, magnetically encoded banking cards and banking cards using magnetic memories and integrated circuit memories; payment card readers; magnetic coded card readers, electronic data carrier card readers, electronic encryption units, computer hardware, computer terminals, computer software for use in the financial services, banking and telecommunications industries; computer software designed to enable smart cards to interact with terminals and readers; computer chips embedded in telephones and other communication devices; telecommunications equipment; point of sale transaction terminals and computer software for transmitting, displaying and storing transaction, identification and financial information for use in the financial services, banking and telecommunications industries; radio frequency identification devices (transponders); electronic verification apparatus for verifying authentication of charge cards, bank cards, credit cards, debit cards and payment cards; cash dispensing machines; computer peripheral devices and electronic goods, namely, calculating machines, electronic organizers, electronic notepads, pocket planners, mobile telephones, mobile telephone handsets, tablet computers, digital readers and personal digital assistants (PDAs) and alarms; mouse pads; fire-extinguishing apparatus; parts and fittings for all the aforesaid goods; Downloadable computer software for the processing or exchange of cryptocurrencies and blockchain transactions; downloadable computer software for managing and verifying cryptocurrency transactions using blockchain technology; downloadable computer software for maintaining cyber security for the processing or exchange of cryptocurrencies and blockchain transactions; downloadable music files authenticated by non-fungible tokens (NFTs); downloadable multimedia files containing artwork, text, audio, and video authenticated by non-fungible tokens (NFTs); downloadable computer software and applications for mobile devices for facilitating and administering banking, payment by credit card, debit card, or virtual payment card, automatic teller machine services, stored value card services, electronic funds transfer services, electronic payment processing services; downloadable computer software and applications for electronic processing and transmission of bill payment data, cash disbursement services, transaction authentication services, routing, authorization and settlement services, and fraud detection and control services in the metaverse and other virtual worlds; downloadable computer software and applications for mobile devices comprising a digital wallet that stores customer account information and permits consumers to access coupons, vouchers, voucher codes, discount codes, and rebates at retailers and to obtain loyalty or monetary rewards that can be credited to their accounts in the metaverse and other virtual worlds; downloadable computer e-commerce software to allow users to perform electronic business transactions in the metaverse and other virtual worlds. Advertising; business management; business administration; office functions; business advisory services; business investigations; commercial information agencies; presentation of goods on communication media for retail purposes; price comparison services; organization of exhibitions for commercial or advertising purposes; marketing consulting services; market research services; tracking, analyzing, forecasting and reporting cardholder purchase behavior; promoting the sale of the goods and services of others by means of rewards and incentives generated in connection with the use of credit, debit and payment cards; business administration of loyalty and rewards programs; commercial, industrial and business management assistance; business appraisals; advisory services for business management; marketing studies; statistical information (business); preparation of statements of accounts; book-keeping; business research; public relations; publication of publicity texts; issuing of publicity leaflets; computer database management; promoting concerts and cultural events of others, organization of expositions having commercial or advertising purposes; advertising for transport, travel, hotels, lodging, food and meals, sports, entertainment and sightseeing; providing information regarding purchase of goods and services on-line via the Internet and other computer networks; financial records management; data processing and data verification services; data retrieval services; information, advisory and consultancy services related to all the aforesaid services; Provision of an online marketplace for buyers and sellers of downloadable digital goods and media authenticated by non-fungible tokens (NFTs); promoting the goods and services of others by means of coupons, discounts, advertisements, rewards, incentives and loyalty programs in the metaverse and other virtual worlds; promoting the cultural events, charitable events, sporting events, travel experiences, fine dining events, festivals, award shows, and special events of others in the metaverse and other virtual worlds; business services, namely, business networking via virtual environments in which users can interact; information, advisory and consultancy services relating to all the aforesaid services. Insurance; financial affairs; monetary affairs; real estate affairs; financial consultancy; financial information; financial sponsorship; financial services, namely, banking, credit card services, debit card services, charge card services, pre-paid card services offered through cards with stored value, electronic credit and debit transactions, bill payment and presentment services, cash disbursement, check verification, check cashing, deposit access and automated teller machine services; financial services, namely transaction authorization and settlement services, transaction reconciliation, cash management, consolidated funds settlement, consolidated dispute processing, financial information with respect to data repository and client profile information services and related switching, gateway, settlement/reconciliation, and funds movement services in the field of payment cards, electronic payment processing services, payment transaction authentication and verification services; financial services, namely value exchange services, namely, secure electronic cash transactions and electronic cash transmissions over public computer networks to facilitate electronic commerce; providing financial information, namely credit and debit card data and reports, electronic funds transfer and currency exchange services, financial assessment and risk management services for others in the field of consumer credit; dissemination of financial information via a global computer network, financial information rendered by computer by means of a secure information computer network and advisory services regarding all of the foregoing services; the provision of financial services for the support of retail services provided through mobile telecommunications means, namely, payment services through wireless devices; the provision of financial services for the support of retail services provided on-line, through electronic networks; financial analysis and consultation; banking and credit services; banking, payment, credit, debit, charge, cash disbursement and stored valued deposit access services; cheque verification; processing of financial transactions both on-line via a computer database or via telecommunications and at point of sale; processing services for financial transactions by card holders via automatic teller machines; the provision of balance details, deposits and withdrawals of money to card holders via automatic teller machines; financial settlement and financial authorization services in connection with the processing of financial payment transactions; travel insurance services; issuing and redemption of travelers cheques and travel vouchers; payer authentication services; verification of financial information; maintenance of financial records; remote payment services; stored value electronic purse services, electronic payments services and transaction authorization and settlement services; provision of debit and credit services by means of radio frequency identification devices (transponders); provision of debit and credit services by means of communication and telecommunication devices; the provision of financial services for the support of retail services provided through mobile telecommunications means, including payment services through wireless devices; processing of credit and debit transactions by telephone and telecommunication link; the provision of financial services for the support of retail services provided on-line, through networks or other electronic means using electronically digitized information; value exchange services, namely, the secure exchange of value, including electronic cash, over computer networks accessible by means of smartcards; bill payment services provided through a website; electronic banking via a global computer network, electronic mobile banking, electronic payment services involving electronic processing and transmission of bill payment data; financial clearing house services; inter-bank transfer services, namely, direct bank-to-bank electronic transfers of money and providing bank account information by telephone; on-line banking; financial services provided over the telephone and by means of a global computer network or the Internet; financial services, namely, the provision of contactless mobile payments through merchants at retail, online and wholesale locations; financial services, namely, providing a cloud-based digital wallet that stores customer account information to access coupons, vouchers, voucher codes and rebates at retailers and to obtain loyalty or monetary rewards that can be credited to their accounts via a cash-back system; real estate property services; real estate valuations; real estate investment management; real estate investment services; real estate insurance services; insurance for property owners; insurance services relating to property; real estate financing; real estate brokerage; real estate appraisals; real estate agency services; evaluation of real estate; real estate administration; administration of financial affairs relating to real estate; provision of real estate loans; financing services relating to real estate development; financial brokerage services for real estate; financial services relating to real estate property and buildings; financial services for the purchase of real estate; arranging of loan agreements secured on real estate; arranging of shared ownership of real estate; arranging the provision of finance for real estate purchase; assisting in the acquisition of and interests in real estate; capital investment in real estate; commercial property investment services; financial services relating to the acquisition of property; financial services relating to the sale of property; financial valuation of freehold property; financial valuation of leasehold property; arranging letting of real estate; arranging of leases of real estate; leasing of property; leasing of real estate property; leasing of freehold property; estate management services relating to transactions in real property; valuation of property; property portfolio management; management of property; advisory services relating to real estate ownership; advisory services relating to real estate valuations; corporate real estate advisory services; computerized information services relating to real estate; consultation services relating to real estate; provision of information relating to real estate property; provision of information relating to the property market; research services relating to real estate acquisition; research services relating to real estate selection; mortgage financing and asset securitization; consulting services regarding payment solutions, banking, credit card, debit card and payment card; financial records management; providing information relating to financial services via a computer database or the Internet; computerised customer financial information; information, advisory and consultancy services relating to all the aforesaid services; Processing of virtual credit card, virtual debit card, virtual prepaid card, and virtual payment card transactions in the metaverse and other virtual worlds; payment processing services, namely, credit card, debit card, prepaid card, gift card and payment card transaction processing services in the metaverse and other virtual worlds; providing financial information in the metaverse and other virtual worlds; charitable fundraising services in the metaverse and other virtual worlds; financial sponsorship of cultural events, charitable events, concerts, sporting events, travel experiences, fine dining events, festivals and awards shows in the metaverse and other virtual worlds; cryptocurrency payment processing; cryptocurrency exchange services featuring blockchain technology; financial consultation and information in the field of cryptocurrency, digital currency, virtual currency, digital and blockchain assets, digital tokens, crypto tokens and utility tokens; blockchain-based payment verification services; financial services, namely providing a financial exchange for the trading of digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; payment verification and payment transaction authentication in the metaverse and other virtual worlds. Telecommunications; mobile telecommunication services; Internet based telecommunication services; data communication services; electronic data transmission over a global remote data processing network, including the Internet; services for the transmission, provision or display of information from a computer-stored data bank or via the Internet in the field of financial services; transmission of data through the use of electronic image processing by mobile telephone link; electronic mail, message sending and receiving services; television, radio and Internet broadcasting services; providing multi-user access to a secure computerized information network for the transfer and dissemination of a range of information in the field of financial services; telephone telecommunications services via prepaid telephone calling card; leasing access time to a computer database; information, advisory and consultancy services relating to all the aforesaid services. Education; providing of training; entertainment; sporting and cultural activities; booking of seats for shows; books (publication of -); education information; electronic desktop publishing; entertainment information; information (education -); information (entertainment -); information (recreation -); layout services, other than for advertising purposes; modelling for artists; movie projectors and accessories (rental of -); providing on-line electronic publications, not downloadable; publication of books; publication of electronic books and journals on-line; publication of texts, other than publicity texts; radio and television sets (rental of -); recorders (rental of video cassette -); recreation information; rental of audio equipment; rental of camcorders; rental of lighting apparatus for theatrical sets or television studios; rental of movie projectors and accessories; rental of radio and television sets; rental of video cameras; rental of video cassette recorders; show scenery (rental of -); sports events (timing of -); television sets (rental of radio and -); texts (publication of -), other than publicity texts; videotaping; arranging and conducting of symposiums; lending libraries; training services provided via simulators; providing films, not downloadable, via video-on-demand transmission services; Entertainment and educational services, namely, providing entertainment and educational information in the metaverse and other digital worlds; arranging and hosting cultural events, concerts, sporting events, festivals, and awards shows in the metaverse and other digital worlds, all being for educational and educational purposes; entertainment and educational services in the metaverse and other digital worlds; presentation of seminars, programs, events, and performances in the metaverse and other digital worlds, all being for entertainment or educational purposes; entertainment services and educational services, namely, recreation, education, leisure or entertainment via virtual environments in which users can interact; information, advisory and consultancy services relating to all the aforesaid services. Scientific and technological services and research and design relating thereto; industrial analysis and research services; design and development of computer hardware and software; conversion of data or documents from physical to electronic media; computer hardware and software consulting services; computer programming; support and consultation services for managing computer systems, databases and applications; providing temporary use of non-downloadable software and applications for managing, locating, activating and revoking authentication and digital credentials of near field communication (NFC) devices; design and development of computer hardware and application software for mobile digital devices; design, development, maintenance and update of downloadable computer programs and application software for mobile phones and other digital devices that allows users to access coupons, vouchers, voucher codes, rebates, price-comparison information, product reviews, links to the retail websites of others, and discount information; design, development, maintenance and update of downloadable computer programs and application software that allows users to access sales promotion offers and obtain monetary rewards that can be credited to their accounts via a cash-back system; application software provider (ASP) featuring software for receiving, transmitting and displaying vouchers, coupons, voucher codes, special offers, reviews, product information, price comparison information, links to websites, and receiving and transmitting data for the purchase of goods and services; application service provider featuring software for providing consumers with information regarding discounts, vouchers and special offers for the goods and services of others; application service provider services concerning social networking software; graphic design for the compilation of web pages on the Internet; information relating to computer hardware or software provided on-line from a global computer network or the Internet; creating and maintaining web-sites; hosting the web-sites of others; creation of web pages; the design, creation and hosting of merchant websites; the designing, creation and hosting of bill payment websites; computer and Internet related services, namely, providing on-line electronic databases via a global computer network in the field of identity authentication and verification; data encryption and decryption of financial information; digital signature authentication services for authentication of others, namely, data encryption and data integrity; providing for others encrypted and digitally signed and authenticated data for use in issuance, and validation of digital certificates in the field of document authentication; digital certificate verification, authentication, issuance, distribution and management; technical consultation services in the fields of computer programming, financial computer networks, data processing, secure communications, data encryption and decryption and local area network security; dissemination of information over a global computer network in the fields of computer software, computer hardware, financial computer networks and local area networks; data storage services; data repository services; data storage; rendering of computer graphics (digital imaging services); security services relating to computerised data; information, advisory and consultancy services relating to all the aforesaid services; Application service provider featuring application programming interact (API) software powered by blockchain for purchasing and transferring digital currency between wallets; application service provider featuring application programming interface (API) software powered by blockchain for supply chain management; technological consulting in the field of cryptocurrency; providing user authentication services using blockchain-based software technology for transactions involving cryptocurrency or digital files, images, videos, animations, games and artwork authenticated by non-fungible tokens (NFTs); authentication of data in the field of financial transactions using blockchain technology; providing online non-downloadable software for use as a cryptocurrency wallet; providing online non-downloadable cybersecurity software for the processing or exchange of cryptocurrencies and blockchain transactions; providing on-line non-downloadable software for the creation, production and modification of digital animated and non-animated designs and characters, avatars, and virtual goods in the form of digital files, images, videos, animations and artwork authenticated by non-fungible tokens (NFTs), for access and use in the metaverse and other virtual worlds; creating and hosting an on-line community for digital assets in metaverses and virtual worlds, authenticated by non-fungible tokens (NFTs); designing and hosting virtual environments in which users can interact for recreational, educational, networking, leisure or entertainment purposes. Legal services; security services for the physical protection of tangible property and individuals; personal and social services rendered by others to meet the needs of individuals, namely security assessment of risks, reviewing standards and practices to assure compliance with laws and regulations, identity verification and validations services, consultancy in the field of data theft and identity theft; consultancy (security -); Authentication of identity to reduce fraud in payment card transactions; financial transaction authentication and verification services; financial service to combat fraud, namely, fraud detection service in the field of banking; providing services to individuals and financial institutions to address identity restoration and security after identity theft or fraud, namely, analysis of potential identity theft.
32.
SYSTEMS AND METHODS FOR ADVANCED USER AUTHENTICATION IN ACCESSING A COMPUTER NETWORK
An authentication platform for authenticating an online user is provided. The authentication platform includes a memory device including an authentication profile and at least one processor coupled to the memory device. The at least one processor is programmed to collect a plurality of authentication data from a plurality of transactions initiated by users attempting to perform a transaction over a computer network, analyze the plurality of authentication data to detect a plurality of insights representing relationships between data elements of different authentication requests of the plurality of authentication requests, wherein the insights represent a likelihood of fraud or potential approval with the corresponding authentication requests, determine a plurality of rules from the plurality of insights, filter the plurality of rules based on one or more thresholds, and provide the filtered plurality of rules to analyze a plurality of subsequent real-time transactions for detecting legitimate authentication requests.
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
33.
DIFFERENTIAL TESTING METHOD OF TRANSACTION PROCESSING SYSTEMS
A computer-implemented method of testing a transaction component within a production environment of a transaction system against a legacy transaction component, the transaction component being configured to route transaction messages between an issuer and an acquirer during a cardholder transaction using a transaction card having a primary account number (PAN), the method comprising: receiving a transaction message, the transaction message comprising a plurality of data fields, one of the plurality of data fields comprising the PAN of the transaction card; associating the PAN with a shadow primary account number (PAN), the shadow PAN replicating the format of the PAN; creating a shadow transaction message, the shadow transaction message comprising a plurality of data fields, one of the plurality of data fields comprising the shadow PAN; sending the received transaction message to the legacy transaction component for processing; sending the shadow transaction message to the transaction component for processing; receiving a processed transaction message from the legacy component; receiving a processed shadow transaction message from the transaction component; comparing the data fields of the processed transaction message and processed shadow transaction message for any discrepancies.
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 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
Cryptographic digital signature certificate chains protect the authenticity of device level public keys used to verify a signature over the transaction data generated from a device private key. It is possible that quantum computers will be able to counterfeit certificate chains enabling massive fraud. In particular, a quantum computer attack on the RSA or ECC public key certificate chain may be financially viable, although this may not be true at a device level. The present disclosure provides a method of trusting a constrained device cryptographic public key in a distributed and off-line manner without traversing a cryptographic public key digital signature certificate chain. The method includes: receiving 210 a request to validate a transaction from a payment device 160; extracting 220 device identification data; interrogating 230 the payment device to determine if data specific to the operator is stored; receiving 240 and validating 250 a local transaction authentication value or rejecting the device; determining 260 whether the payment device is on a deny list, determining 270 to authenticate the payment device 160; and provisionally validating 280 the transaction.
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 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
H04W 4/80 - Services utilisant la communication de courte portée, p.ex. la communication en champ proche, l'identification par radiofréquence ou la communication à faible consommation d’énergie
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
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
Computer software platform; computer software applications; databases; data processors; data processing systems, data processing software; downloadable podcasts; downloadable electronic publications; electronic publications; downloadable electronic publications in the nature of reports; downloadable software. Advertising, promotion and marketing services; promotional services; promoting the goods and services of others; business assistance, advisory and consulting services in the field of financial technology; data processing services; business records management; business data analytics; business management and business strategy development; provision of business management information; business appraisals; advisory services for business management; business administration; providing business information; customer relationship management services; business consultancy services; business organisation and administration services; office functions; market research; market research data analysis; marketing studies; statistical information (business); business research; computer database management; database management; data management; data processing; data collection and management services; electronic data processing; compilation of computer databases; organisation, operation and supervision of loyalty and incentive schemes; provision of business information; information, advisory and consultancy services relating to all the aforesaid services; business data analysis services. Financial services; financial services related to analysing spend data; financial services, namely, payment processing services in the field of debit card, credit card and prepaid card payments; payment processing services; banking and credit services; providing credit card, debit card, charge card and stored value prepaid card services; financial evaluation of spend data; financial analysis; financial consultancy; online banking; stored value electronic purse services, providing electronic funds and currency transfer services, electronic payments services, prepaid telephone calling card services, cash disbursement services, and transaction authorisation and settlement services; provision of financial services over the Internet; financial sponsorship services; information, advisory and consultancy services relating to all the aforesaid services; Financial data analysis. Education services; entertainment services; entertainment services and educational services, namely, providing virtual environments in which users can interact for recreational, educational, leisure or entertainment purposes; entertainment services and educational services, namely, providing entertainment and educational information regarding spend data, customer and market data; organisation of educational events; educational services relating to business; information, advisory and consultancy services relating to all the aforesaid services. Software as a service (SaaS); platform as a service (PaaS); providing online non-downloadable software; Software as a service (SaaS) featuring software for business management and customer relationship management (CRM); software as a service (SaaS) featuring software for transaction and payment processing services, financial record-keeping, and management of financial data; designing, development and maintenance of software; designing, developing and maintenance of a marketing software platform for third parties for marketing and analytics, customer relationship management and business data analysis; financial technology software consultation services; computer hardware and software consulting services; creating and maintaining web-sites; design and development of web pages; online data storage; database development services; design and development of data processing programmes; research in the field of data processing technology; information, advisory and consultancy services relating to all the aforesaid services; development of computer platforms; Platform as a Service [PaaS].
36.
SYSTEMS AND METHODS FOR VERIFYING USERS, IN CONNECTION WITH TRANSACTIONS USING PAYMENT DEVICES
Systems and methods for verifying users in connection with transactions are disclosed. One exemplary method includes, based on the payment card device being presented at a terminal, initiating, by a security chip of the payment card device, a timer and then based on the timer being unexpired, capturing, by a biometric sensor of the payment card device, a biometric image and verifying, by the security chip, the captured biometric image against reference biometric data stored the payment card device. The method also includes, based on the captured biometric image being verified, cooperating, by the security chip, with the terminal, to initiate a transaction to an account using a first account number specific to a biometric application of the payment card device.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
A method for facilitating benefit disbursements through the use of tokens and blockchain includes: receiving beneficiary information from a first computing system, the beneficiary information including a beneficiary identifier; storing a blockchain data entry, the blockchain data entry including a disbursement token associated with the beneficiary information and a recipient value generated using a public key of a cryptographic key pair; receiving a redemption message from a second computing system, the redemption message including the disbursement token, a digital signature generated using a private key of the cryptographic key pair, transaction account data, and a redemption amount; validating the digital signature using the public key of the cryptographic key pair; and transmitting a transfer message to the first computing system, the transfer message including the transaction account data and the redemption amount.
G06Q 20/06 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
A computing system including a processor in communication with a memory with instructions stored thereon is described. The instructions, when executed by the processor, cause the processor to receive application data associated with a user and a first offering, identify whether the user qualifies for the first offering, and compare the application data with stored parameters associated with a second offering. The instructions further cause the processor to, based on the application data satisfying the stored parameters, cause display of a first display area and a second display area at a graphical user interface (GUI) of a user computing device wherein the first display area includes a confirmation indicating whether the user qualifies for the first offering, and the second display area includes a description of the second offering, receive an input indicating acceptance of the second offering, and initiate activation of credentials associated with the second offering.
A computing system is configured to receive raw transaction data from a database. The computing system performs a multipattern substring matching operation on the raw transaction data using an expert system model. The computing system identifies one or more predefined keywords within one or more of description and memo data fields for each transaction data piece of a set of transaction data pieces. The computing system filters one or more predefined rules based on the identified one or more predefined keywords and assign a category label to each transaction data piece. The assigned category label is based on a highest priority rule determined to be true for the respective transaction data piece.
Systems and methods are provided for use in appending log entries to a data structure. One exemplary method includes receiving, at a communication device, a log entry from a terminal and signing the log entry with a private key of a key pair specific to the communication device. The method also includes transmitting the signed log entry to an identity provider (IDP) and receiving, by the communication device, from the IDP, a signed, encrypted log entry. The method further includes verifying, by the communication device, a signature of the signed, encrypted log entry based on a public key associated with a key pair specific to the IDP and then appending the encrypted log entry to a digital identity included in the communication device.
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 11/34 - Enregistrement ou évaluation statistique de l'activité du calculateur, p.ex. des interruptions ou des opérations d'entrée–sortie
H04L 9/30 - Clé publique, c. à d. l'algorithme de chiffrement étant impossible à inverser par ordinateur et les clés de chiffrement des utilisateurs n'exigeant pas le secret
41.
METHOD AND SYSTEM FOR BLOCKCHAIN ITINERARY SUPPORT
Methods and systems for management, payment, and real-time updating of travel itineraries using a blockchain includes: storing, in a blockchain, a plurality of smart contracts including funding transaction account data, payee data, an itinerary type, and itinerary details and configured to initiate a payment transaction from a first transaction account to a second transaction account upon fulfillment of criteria in the itinerary details; receiving event data including a conflict with the itinerary details of a smart contract; identifying alternative itinerary data for the smart contracts based on the respective itinerary details; generating a modified smart contract for the smart contracts based on the identified alternative itinerary data; and transmitting a new blockchain data entry that includes the generated modified smart contract for storing in the blockchain.
A message traffic analysis system is provided. The message traffic analysis system includes a memory device and at least one processor. The at least one processor is programmed to receive a plurality of historical messages between a plurality of sources and a destination server, for each of the plurality of historical messages, time shift the corresponding timestamp by an amount, transform the plurality of time shifted timestamps based on a portion of an entire time period completed, generate a model of message traffic based on the plurality of historical messages with the transformed and time shifted timestamps, receive one or more real¬ time messages between a first source and the destination server, execute the model of message traffic using the one or more real-time messages as inputs, and determine whether or not to allow the one or more real-time messages based on the execution of the model.
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
43.
NETWORK BASED DATA EXCHANGE FOR QUALIFYING A USER AND ACTIVATING ACCESS CREDENTIALS
A computing system including a processor in communication with a memory with instructions stored thereon is described. The instructions, when executed by the processor, cause the processor to receive application data associated with a user and a first offering, identify whether the user qualifies for the first offering, and compare the application data with stored parameters associated with a second offering. The instructions further cause the processor to, based on the application data satisfying the stored parameters, cause display of a first display area and a second display area at a graphical user interface (GUI) of a user computing device wherein the first display area includes a confirmation indicating whether the user qualifies for the first offering, and the second display area includes a description of the second offering, receive an input indicating acceptance of the second offering, and initiate activation of credentials associated with the second offering.
G06F 3/0484 - Techniques d’interaction fondées sur les interfaces utilisateur graphiques [GUI] pour la commande de fonctions ou d’opérations spécifiques, p.ex. sélection ou transformation d’un objet, d’une image ou d’un élément de texte affiché, détermination d’une valeur de paramètre ou sélection d’une plage de valeurs
G06F 3/0481 - Techniques d’interaction fondées sur les interfaces utilisateur graphiques [GUI] fondées sur des propriétés spécifiques de l’objet d’interaction affiché ou sur un environnement basé sur les métaphores, p.ex. interaction avec des éléments du bureau telles les fenêtres ou les icônes, ou avec l’aide d’un curseur changeant de comport
44.
SYSTEMS AND METHODS FOR PRIORITIZING RULES FOR AN EXPERT SYSTEM
A computing system receives rules and transaction data from a database. The system creates a potential rule list and stores the rules in the list on the database. The system creates an ordered rule list, a rule-to-transaction lookup table, and a transaction-to-rule lookup table. The system applies each rule to each transaction and identifies each transaction for which each rule is true. The system adds each rule and the identified transactions to the lookup tables and generates a priority-ordered list of the rules iteratively until all rules have been removed from the potential rule list. In each iteration, the system calculates an accuracy of each rule based on all transactions for which the rule is true, appends the highest accuracy rules to the ordered rule list, removes the rules from the potential rule list, and removes the transactions from all entries in the rule-to-transaction lookup table.
A computing system is configured to receive a plurality of predefined rules from a database. The rules include a first set of predefined rules that includes a hardcoded priority value for each respective predefined rule and a second set of predefined rules that do not have a hardcoded priority value. Furthermore, each rule is associated with a keyword. The computing system determines, for the first set of predefined rules, that each respective predefined rule includes the hardcoded priority value and orders the first set of predefined rules in order of priority based on the hardcoded priority values. The computing system performs a super rule/subrule prioritization operation on the second set of predefined rules, which includes prioritizing one or more super rules over its associated one or more subrules. The computing system then performs an accuracy -based prioritization operation on the second set of predefined rules after the super rule/subrule prioritization operation.
09 - Appareils et instruments scientifiques et électriques
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
Business data analysis services Downloadable podcasts; downloadable electronic publications in the nature of reports; downloadable software Financial data analysis Conducting seminars Providing on-line non-downloadable software; platform as a service (PAAS) featuring computer software platforms
47.
METHOD AND SYSTEM FOR ACTIVATING WALLET PRIVATE KEYS THROUGH BLOCKCHAIN ADDRESSES
A method for registration of an identified blockchain wallet using a payment card includes: receiving payment details for a payment card issued for a transaction account, the payment details including a card identifier and received from one of: an integrated circuit payment card and a financial application program; receiving wallet details for a blockchain wallet including a wallet identifier; transmitting the card identifier and the wallet identifier to an activation server that stores an association between the wallet identifier and the transaction account; receiving an activation message from the activation server; and transmitting an instruction to the integrated circuit payment card or the financial application program to enable use of a private key of a cryptographic key pair associated with the blockchain wallet.
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
H04L 9/00 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité
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
48.
EXPERT SYSTEMS IMPLEMENTING PRIORITIZATION TECHNIQUES FOR IMPROVED TRANSACTION CATEGORIZATION
A computing system is configured to receive raw transaction data from a database. The computing system performs a multipattern substring matching operation on the raw transaction data using an expert system model. The computing system identifies one or more predefined keywords within one or more of description and memo data fields for each transaction data piece of a set of transaction data pieces. The computing system filters one or more predefined rules based on the identified one or more predefined keywords and assign a category label to each transaction data piece. The assigned category label is based on a highest priority rule determined to be true for the respective transaction data piece.
A computer-implemented method of providing enriched transaction data for a transaction requiring an authorization is provided, the transaction performed using a computer system having a processor and a memory device. The method includes storing transaction data received from an input channel, the transaction data including a transaction identifier. An execution plan is retrieved based at least in part on the transaction identifier. The transaction data is processed across an enrichment processor based on the execution plan to generate at least one fraud score for the transaction. The transaction data is enriched to include at least one of the fraud score and an enriched data object. The enriched data is transmitted to an authorizing party for authorization.
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
A system and method for performing a transaction at a software-based POS system of a merchant includes receiving, from the software-based POS system, a payment authorization request message. A processor is programmed to extract a dynamic hashed security token from the payment authorization request message. In addition, the processor is programmed to validate the dynamic hashed security token and, upon validating the dynamic hashed security token, determine that the software-based POS system that transmitted the payment authorization request message is running a mobile POS software application. Furthermore, the processor is programed to extract the hardware identifier and the application identifier from the transaction data and compare them to account registration information stored with a merchant account. The processor then determines that the hardware identifier and the application identifier match with the account registration information and transmits the payment authorization request message to an issuer associated with the transaction card details.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
51.
METHOD AND SYSTEM FOR ACTIVATING WALLET PRIVATE KEYS THROUGH BLOCKCHAIN ADDRESSES
A method for registration of an identified blockchain wallet using a payment card includes: receiving payment details for a payment card issued for a transaction account, the payment details including a card identifier and received from one of: an integrated circuit payment card and a financial application program; receiving wallet details for a blockchain wallet including a wallet identifier; transmitting the card identifier and the wallet identifier to an activation server that stores an association between the wallet identifier and the transaction account; receiving an activation message from the activation server; and transmitting an instruction to the integrated circuit payment card or the financial application program to enable use of a private key of a cryptographic key pair associated with the blockchain wallet.
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
G06Q 20/38 - 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
52.
SYSTEMS AND METHODS FOR PRIORITIZING RULES FOR AN EXPERT SYSTEM
A computing system receives rules and transaction data from a database. The system creates a potential rule list and stores the rules in the list on the database. The system creates an ordered rule list, a rule-to-transaction lookup table, and a transaction-to-rule lookup table. The system applies each rule to each transaction and identifies each transaction for which each rule is true. The system adds each rule and the identified transactions to the lookup tables and generates a priority-ordered list of the rules iteratively until all rules have been removed from the potential rule list. In each iteration, the system calculates an accuracy of each rule based on all transactions for which the rule is true, appends the highest accuracy rules to the ordered rule list, removes the rules from the potential rule list, and removes the transactions from all entries in the rule-to-transaction lookup table.
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
53.
SYSTEMS AND METHODS FOR PRIORITIZING A PLURALITY OF PREDEFINED RULES FOR AN EXPERT SYSTEM
A computing system is configured to receive a plurality of predefined rules from a database. The rules include a first set of predefined rules that includes a hardcoded priority value for each respective predefined rule and a second set of predefined rules that do not have a hardcoded priority value. Furthermore, each rule is associated with a keyword. The computing system determines, for the first set of predefined rules, that each respective predefined rule includes the hardcoded priority value and orders the first set of predefined rules in order of priority based on the hardcoded priority values. The computing system performs a super rule/subrule prioritization operation on the second set of predefined rules, which includes prioritizing one or more super rules over its associated one or more subrules. The computing system then performs an accuracy-based prioritization operation on the second set of predefined rules after the super rule/subrule prioritization operation.
A classifier is trained to classify business supplier relationships using synthetic training data samples. Real training data samples are collected and transformed into sample encodings using an encoder. The real training data samples include feature data associated with health class indicators indicative of relationships between suppliers and service providers. A set of synthetic training data samples is generated from the sample encodings using a generator and discrimination feedback data is generated using a discriminator based on the real training data samples and the synthetic training data samples. The discrimination feedback data is used to train the generator. A classifier model is trained to classify suppliers with health class indicators using the set of synthetic training data samples. The use of the encoder, generator, and discriminator enables the generation of accurate synthetic training data that represents the source distribution of real data which are often partially observed.
Registering a biometric template with a computing device includes receiving a first scan of a biometric feature from a biometric sensor. The first scan includes first biometric data. The computing device extracts two or more distinct elements of the biometric feature and writes a biometric template to a memory. The first characterization data for each of the two or more distinct elements is recorded in the biometric template. After recording the first characterization data in the biometric template, the computing device receives an additional scan of the biometric feature from the biometric sensor. The additional scan includes second biometric data. The computing device validates the biometric template against the second biometric data. After validating the biometric template, the biometric template is updated with second characterization data. The second characterization data is associated with two or more additional distinct elements of the biometric feature contained in the second biometric data.
A message traffic analysis system is provided. The message traffic analysis system includes a memory device and at least one processor. The at least one processor is programmed to receive a plurality of historical messages between a plurality of sources and a destination server, for each of the plurality of historical messages, time shift the corresponding timestamp by an amount, transform the plurality of time shifted timestamps based on a portion of an entire time period completed, generate a model of message traffic based on the plurality of historical messages with the transformed and time shifted timestamps, receive one or more real-time messages between a first source and the destination server, execute the model of message traffic using the one or more real-time messages as inputs, and determine whether or not to allow the one or more real-time messages based on the execution of the model.
Systems and methods dynamically compute and assign a variable fee for cross-border transactions. Raw data associated with a pending transaction is prepared for analysis by a scenario-specific model. The pending transaction is assigned to a scenario. The scenario-specific model generates a recommended variable fee for the pending transaction based on the prepared data. The recommended variable fee is output to an issuer processing the pending transaction. Feedback is received from the issuer regarding the recommended variable fee and the scenario-specific model is trained using the received feedback.
A driver monitoring (DM) computing device for monitoring driving behavior of a driver in real-time is provided. The DM computing device detects a user computer device associated with a driver inside the vehicle. The DM computing device collects state data of the user computer device. The state data includes data as to a state of the user computer device during a currently occurring trip. The DM computing device collects vehicle operation data of the vehicle while the driver and the user computer device are inside the vehicle. The DM computing device compares the collected vehicle operation data and the state data of the user computer device to determine whether the user computer device was activated during the currently occurring trip. The DM computing device causes a driving reward to be applied to an account associated with the driver for inactivity of the user computer device during the currently occurring trip.
G06Q 50/40 - Procédés d’affaires s’appliquant à l’industrie du transport (expédition G06Q 10/83)
G06V 20/59 - Contexte ou environnement de l’image à l’intérieur d’un véhicule, p.ex. concernant l’occupation des sièges, l’état du conducteur ou les conditions de l’éclairage intérieur
Method for operating a query processing engine, comprising the steps of: identifying for the query' processing engine query- related performance criteria that can reduce the efficiency of the query' processing engine, creating a look up table listing the identified efficiency reducing query related performance criteria, entering a first query in the query processing engine, evaluating the first query to identify query related performance criteria of the first query, comparing the identified query related performance criteria of the first query with the entries in the look up table, and terminating the first query' if the first query reproduces one or more efficiency reducing query related performance criteria as listed in the look up table.
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
41 - Éducation, divertissements, activités sportives et culturelles
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Computer hardware, software and mobile application software for collecting and managing data, performing analyses, conducting studies, and creating and generating reports in the fields of management, business, and financial and technological consulting and advice; computer software for use in collecting, organizing, distributing, measuring, analyzing, managing and reporting data from business subscribers relating to business partnerships; computer software which facilitates online services for social and business networking; computer software for allowing data retrieval, upload, download, access and management; computer software to enable uploading, downloading, accessing, posting, displaying, tagging, blogging, streaming, linking, sharing or otherwise providing electronic media or information via computer and communication networks. Business management and business consulting and advisory services; assistance with business planning; business analysis services; business statistical analysis; business data research; analysis of business data; market research studies; analysis of market research data; interpretation of market research data; market analysis reports; collecting business information; business research consulting; Business management consultation, namely, advising clients about business strategy, organization performance, and business related policy areas, improvement of short-term business performance, marketing, manufacturing and distribution manpower development, planning and control, management information and information technology; business partnership search; business management consulting services in the field of information technology; business networking services; provision of business information; Providing computer, electronic and online databases in the fields of business partnerships, business management and business networking; arrangement and advisory services in relation to all the aforesaid. Educational services, namely, conducting classes, seminars, conferences, and workshops in the fields of business, information technology, computers, management training, financial planning and investment strategies; education, teaching and training; organising and conducting classes, seminars, conferences, workshops and exhibitions. Application service provider (ASP) featuring software for use in collecting, organizing, distributing, measuring, analyzing, managing and reporting data from business subscribers relating to business partnerships; providing temporary use of on-line non-downloadable software for collecting, organizing, distributing, measuring, analyzing, managing and reporting data from business subscribers relating to business partnerships; platform as a service (PAAS) featuring computer software platforms for extracting, uploading, importing, consolidating, manipulating, transforming, visualizing and managing data from business subscribers relating to business partnerships; Platform as a service [PaaS] relating to business partnership program; software as a service [SaaS] featuring computer software platforms for extracting, uploading, importing, consolidating, manipulating, transforming, visualizing and managing data from business subscribers relating to business partnerships.
61.
Systems and methods for accommodating color vision deficiency in financial transaction messages
A method for adapting text message communications in electronic financial transactions to accommodate users with color vision deficiency. During a registration process, a primary account number, a selection of an enrollment in a color vision deficiency accommodation service, a selection of a preferred critical text color, and an electronic device identifier are received from a user. During a subsequent electronic card present transaction process, the primary account number and the electronic device identifier are received from the user via a payment gateway webpage. During an adaptation process, a text of a message containing a critical text element communicated to the user regarding the transaction is adapted by presenting the critical text element in the preferred critical text color previously selected by the user. The message may be adapted within a template, or the message may be dynamically adapted by searching the message and identifying the critical text element.
G09G 5/02 - Dispositions ou circuits de commande de l'affichage communs à l'affichage utilisant des tubes à rayons cathodiques et à l'affichage utilisant d'autres moyens de visualisation caractérisés par la manière dont la couleur est visualisée
G06F 40/109 - Maniement des polices de caractères; Typographie cinétique ou temporelle
62.
A QUANTUM TOKEN GENERATION AND VERIFICATION SYSTEM AND METHOD
A quantum token generation method using computing system comprising a quantum computer in communication with a classical computer is provided. The method comprising the steps of: generating, using the classical computer, a unique identifier comprising f portions; determining, using the classical computer, a secret-key quantum circuit comprising n qubits; generating, using the classical computer and the quantum computer, a classical description of the unique identifier using the secret-key quantum circuit; wherein the classical description comprises n portions; generating, using an n-qubit quantum circuit of the quantum computer, a quantum state based on the classical description of the unique identifier; and outputting, using the classical computer, a quantum token, the quantum token comprising: the unique identifier; and the quantum state.
G06N 10/40 - Réalisations ou architectures physiques de processeurs ou de composants quantiques pour la manipulation de qubits, p.ex. couplage ou commande de qubit
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
63.
SYSTEMS AND METHODS FOR MESSAGE CONVERSION AND VALIDATION
A computer-implemented method for validating and converting a data message is provided. The method is implemented using a data message validation and conversion (DMVC) computer device in communication with a memory. The method includes receiving from a client device a first data message in a first communication protocol. The first data message includes a plurality of data elements that include a format and a content. The method also includes converting the first data message into a second communication protocol, determining if the format and the content of each data element of the plurality of data elements is valid, if the determination is that at least one of the format and the content of at least one data element is not valid, generating a detailed report about the first data message and providing the detailed report to the client device, and otherwise transmitting the converted first data message.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
H04L 69/08 - Protocoles d’interopérabilité; Conversion de protocole
64.
SYSTEMS AND METHODS FOR IDENTIFYING FULL ACCOUNT NUMBERS FROM PARTIAL ACCOUNT NUMBERS
A system for identifying complete account identifiers from partial account identifiers is provided. The system includes an account identification computing device including at least one processor and a memory device in communication with the at least one processor. The processor is configured to receive transaction data including unique merchant identifiers, build a merchant table using the transaction data, and receive a list including partial account identifiers. The processor is further configured to determine, for each unique merchant identifier, a number of candidate account identifiers and calculate at least one metric based on the number of candidate account identifiers. The processor is further configured to identify a source unique merchant identifier and match at least one candidate account identifier to a complete account identifier by matching one of the partial account identifiers to the at least one candidate account identifier.
Systems and methods are provided for use in providing aggregation to users. One example computer-implemented method includes receiving, by a computing device, an authorization request for an interaction by a user with a first party, the authorization request including an account number and a category code and identifying an aggregate profile based on the account number. In response to identifying the aggregate profile, the method the includes identifying the authorization request to the aggregate profile based on the category code being included in the aggregate profile. The method further includes transmitting, by the computing device, an approval for the authorization request and updating a balance specific to the aggregate profile and associated with a first interval based on the authorization request.
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
A network services bridge system including a direct service access (“DSA”) platform is provided. The DSA platform includes a processor configured to receive a request data signal including one or more identifiers, and query a registered services database using the one or more identifiers, where the query returns an identification of a plurality of services for which the one or more identifiers is registered. The processor is also configured to receive, from a first services platform, a first services result signal indicating a result of an application of a first service to the request data signal, receive, from a second services platform, a second services result signal indicating a result of an application of a second service to the request data signal, and transmit a response data signal that includes a consolidated response code indicating whether the authorization process should be completed based on the first and second result signals.
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
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 disclosure herein describes collecting transaction class codes of transactions at a POS interface and organizing those transactions based on the class codes. A class code manager receives a notification that a transaction associated with an account has been initiated. The class code manager sends a prompt to collect a transaction class code of the transaction. In some examples, the transaction class code is a code from a plurality of transaction class codes associated with the account. A transaction class code is received in response to the prompt and the received transaction class code is associated with the transaction. A transaction record of the transaction is recorded by the class code manager, including the associated transaction class code and transaction data of the transaction. The recorded class codes of transactions are used to organize and analyze transaction data. Further, suggested class codes are generated using machine learning in some examples.
A network services bridge system including a direct service access ("DSA") platform is provided. The DSA platform includes a processor configured to receive a request data signal including one or more identifiers, and query a registered services database using the one or more identifiers, where the query returns an identification of a plurality of services for which the one or more identifiers is registered. The processor is also configured to receive, from a first services platform, a first services result signal indicating a result of an application of a first service to the request data signal, receive, from a second services platform, a second services result signal indicating a result of an application of a second service to the request data signal, and transmit a response data signal that includes a consolidated response code indicating whether the authorization process should be completed based on the first and second result signals.
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 20/16 - Paiements effectués par le biais de systèmes de télécommunication
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
H04L 67/562 - Courtage des services de mandataires
H04L 67/565 - Conversion ou adaptation du format ou du contenu d'applications
H04L 67/025 - Protocoles basés sur la technologie du Web, p.ex. protocole de transfert hypertexte [HTTP] pour la commande à distance ou la surveillance à distance des applications
69.
SYSTEMS AND METHODS FOR USE IN TRANSFERRING FUNDS BETWEEN PAYMENT ACCOUNTS
Systems and methods are provided for facilitating fund transfers between accounts. One example method includes capturing a computer-readable indicia representative of a destination account identifier specific to a destination account of a first party and a name of the first party, and in response to the captured indicia, displaying the name of the first party, at a mobile device of the user, as a confirmation that the first party is associated with the destination account. The method also includes identifying a payment amount for a fund transfer from a source account issued by a financial institution to the destination account, based on a user input at the mobile device, and compiling and transmitting a transfer request for the fund transfer to a payment network, where the transfer request includes the destination account identifier, a source account identifier for the source account, and the identified payment amount.
A system for communicating between blockchains on heterogeneous blockchain networks. The system can include a sending blockchain configured to transmit a first message via a sending blockchain protocol, wherein the sending blockchain forms a part of a sending blockchain network. The system can include a sending adapter node configured to receive the first message from the sending blockchain, and translate the first message from the sending blockchain protocol to an adapter protocol. The system can include a receiving adapter node configured to receive the first message from the sending adapter node, and translate the first message from the adapter protocol to a receiving blockchain protocol. The system can include a receiving blockchain configured to receive the first message from the receiving adapter node, and validate the first message, wherein the receiving blockchain forms a part of a receiving blockchain network.
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
H04L 9/06 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité l'appareil de chiffrement utilisant des registres à décalage ou des mémoires pour le codage par blocs, p.ex. système DES
The disclosure herein describes collecting transaction class codes of transactions at a POS interface and organizing those transactions based on the class codes. A class code manager receives a notification that a transaction associated with an account has been initiated. The class code manager sends a prompt to collect a transaction class code of the transaction. In some examples, the transaction class code is a code from a plurality of transaction class codes associated with the account. A transaction class code is received in response to the prompt and the received transaction class code is associated with the transaction. A transaction record of the transaction is recorded by the class code manager, including the associated transaction class code and transaction data of the transaction. The recorded class codes of transactions are used to organize and analyze transaction data. Further, suggested class codes are generated using machine learning in some examples.
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
72.
METHODS AND SYSTEMS FOR SMART IDENTIFICATION AND STEP-UP AUTHENTICATION
The disclosure describes systems and techniques for assessing risk of an open Wi-Fi network, at a consumer's request, before the consumer performs a transaction. The system receives a Wi-Fi network risk assessment request associated with a Wi-Fi network connection of a mobile device. Upon receiving the request, the system retrieves connection-related data from the mobile device. The connection-related data is associated with the Wi-Fi network connection. The system performs a Wi-Fi risk assessment of the Wi-Fi network connection. The system transmits a result of the risk assessment to the mobile device for presentation on the mobile device. The system also transmits the result of the risk assessment to an issuer server. The issuer server is associated with a payment account of the consumer. Moreover, the system transmits a step-up authentication alert to the issuer server.
An inverse recommender system for detecting out-of-pattern payment transactions includes a memory device and a processor programmed to receive transaction data. The transaction data corresponds to historical payment transactions between account holders and merchants. The processor is programmed to generate a merchant correspondence matrix including the merchants and counters indicating the number of historical payment transactions between merchant pairs of the merchants and the account holders. The processor is programmed to store the merchant correspondence matrix in a memory device linking the merchant pairs to each account holder. The processor receives additional transaction data associated with a new payment transaction between an account holder and a merchant, and to generate an inverse recommender score for the new payment transaction based on the account holder's historical payment transaction data. The account holder's historical payment transaction data includes historical payment transaction data associated with the merchants visited by the account holder.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
75.
SYSTEMS AND METHODS FOR USE IN PROVISIONING CREDENTIALS
Systems and methods are provided for provisioning identity credentials based on interactions with verified or trusted users. One exemplary computer-implemented method includes receiving a request for a digital identity from a user, where the request includes identifying information for the user, and transmitting, to a verified user, an attestation request for the user. The method also includes receiving, from the verified user, an attestation response to the attestation request with regard to at least some of the identifying information for the user, generating the digital identity for the user based on a number of attestation responses of the identifying information for the user satisfying a threshold, and sharing a digital identity notice with the user including an identifier for the user, whereby the user is permitted to share the digital identity with a relying party via the identifier.
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 21/44 - Authentification de programme ou de dispositif
G06F 21/57 - Certification ou préservation de plates-formes informatiques fiables, p.ex. démarrages ou arrêts sécurisés, suivis de version, contrôles de logiciel système, mises à jour sécurisées ou évaluation de vulnérabilité
A method for confirming configuration of a new current genesis block in a blockchain configured to enable pruning before the new current genesis block includes: receiving, by a blockchain node in a blockchain network, a genesis response message from another node in the network, the message including a configuration value and an ordinal value; identifying a plurality of standard blocks in the blockchain added subsequent to an earlier genesis block that includes a number preceding the ordinal value; aggregating smart contract state changes from each of the identified plurality of standard blocks; and validating the configuration value included in the received genesis response message based on the aggregated smart contract state changes. The aggregating of smart contract states can be done by the processor of the blockchain node configuring the new current genesis block, or by another blockchain node.
A computer-implemented method for processing a real-time money transfer with a screening payment network having a screening module communicatively coupled to a server computing device is provided. The method includes receiving a request to transfer funds from a payor account associated with an originating institution to a payee account associated with a receiving institution. The request includes money transfer data indicative of a payor's identifying information. The method also includes determining a sanction score based at least in part on the money transfer data, the sanction score indicative of the likelihood that the payor is on at least one sanctioned entity list. The method also includes transmitting the money transfer data and the sanction score to the receiving institution, and transmitting a response message to the originating institution, the response message indicating whether the receiving institution authorizes or denies the request to transfer the funds.
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
Downloadable application programming interface (API) software for verifying interactions using blockchain networks; downloadable application programming interface (API) software used in processing or exchange of cryptocurrencies and blockchain transactions, namely, identity management and authentication tools; downloadable application programming interface (API) software for connecting virtual asset service providers (VASPs) to other VASPs and financial institutions to facilitate crypto transactions; downloadable application programming interface (API) software for facilitating exchange of consumer metadata between financial institutions for compliance purposes. Financial services, namely providing secure transactions in the nature of authentication of user identification and device attestation services for authorizing financial transactions; financial services, namely, financial exchange of crypto assets and cryptocurrency exchange services in the nature of connecting virtual asset service providers (VASPs) to other VASPs and financial institutions to facilitate crypto transactions; financial services, namely, facilitating exchange of consumer metadata in the nature of user authentication data and financial transaction data between financial institutions for compliance purposes. Developing voluntary standards for verification of interactions using blockchain networks; providing online non-downloadable software for verifying interactions using blockchain networks; providing temporary use of a suite of web-based non-downloadable software used in processing or exchange of cryptocurrencies and blockchain transactions, namely, identity management and authentication tools; providing temporary use of non-downloadable web-based software for facilitating exchange of consumer metadata between financial institutions for compliance purposes; providing identity verification services, namely, passing end-user identity verifications from virtual asset service providers (VASPs) to other VASPs and financial institutions.
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Software as a service (saas) services, namely, providing online non-downloadable software using generative artificial intelligence and machine learning in the field of financial services; software as a service (saas) services, namely, providing online non-downloadable software using generative artificial intelligence and machine learning for research and analysis of data, payment transactions and experiences, market trends, credit card comparisons, and consumer insights; software as a service (saas) services, namely, providing online non-downloadable software for machine-learning-based language and speech processing software for use in the fields of financial services, data analysis and market trend reporting, and consumer insights, market trends, credit card comparison, and consumer insights; software as a service (saas) services, namely, providing online non-downloadable software for sharing datasets for the purpose of machine learning and predictive analytics; downloadable software for developing, running and analyzing algorithms that are able to learn to analyze, classify, and take actions in response to exposure to data; software as a service (saas) services, namely, providing online non-downloadable software with virtual assistant capabilities; software as a service (saas) services, namely, providing online non-downloadable software for data analysis, data processing, deep learning, generative artificial intelligence, generating text and graphics, and simulating conversations; software development services; software consulting services; research and development services in the field of generative artificial intelligence; research, design and development of software
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
39 - Services de transport, emballage et entreposage; organisation de voyages
41 - Éducation, divertissements, activités sportives et culturelles
42 - Services scientifiques, technologiques et industriels, recherche et conception
43 - Services de restauration (alimentation); hébergement temporaire
Produits et services
Downloadable multimedia files; downloadable music files; downloadable music files authenticated by non-fungible tokens (NFTs); downloadable multimedia files containing artwork, text, audio, and video relating to finance, technology, culture, charitable projects, lifestyle, sports, music, art, and community service authenticated by non-fungible tokens (NFTs). Promotional services; promoting the goods and services of others; providing online marketplaces for sellers of goods and or services; promoting the cultural events, charitable events, sporting events, travel experiences, fine dining events, festivals, award shows, and special events of others; promoting the charitable services of others, namely, providing cardholders and merchants with promotional information about various charities for the purpose of making donations to charities; promoting the goods and services of others by means of advertisements and promotions in connection with the use of credit and debit cards; promotional contests and incentive award programs to promote the sale of products and services of others; provision of an online marketplace for buyers and sellers of downloadable digital goods and media authenticated by non-fungible tokens (NFTs); promoting the goods and services of others by means of coupons, discounts, advertisements, rewards, incentives and loyalty programs in the metaverse and other virtual worlds, generated in connection with the use of credit and debit cards; promoting the cultural events, charitable events, sporting events, travel experiences, fine dining events, festivals, award shows, and special events of others in the metaverse and other virtual worlds; information, advisory and consultancy services relating to all the aforesaid services. Financial services; payment processing services; charitable fundraising services; financial sponsorship services; financial services, namely, payment processing services in the field of debit card, credit card and prepaid card payments; financial sponsorship of cultural events, charitable events, concerts, sporting events, travel experiences, fine dining events, festivals and awards shows; charitable fundraising services, namely, making financial contributions to charitable organizations when individuals make specified purchases with their credit or debit cards; charitable fundraising services by means of providing individuals with the information and opportunity to make monetary donations to charities; providing financial sponsorship of hospitality areas at athletic competitions; processing of virtual credit card, virtual debit card, virtual prepaid card, and virtual payment card transactions in the metaverse and other virtual worlds; payment processing services, namely, credit card, debit card, prepaid card, gift card and payment card transaction processing services in the metaverse and other virtual worlds; providing financial information in the metaverse and other virtual worlds; charitable fundraising services in the metaverse and other virtual worlds; financial sponsorship of cultural events, charitable events, concerts, sporting events, travel experiences, fine dining events, festivals and awards shows in the metaverse and other virtual worlds; information, advisory and consultancy services relating to all the aforesaid services. Travel arrangement; travel and tour ticket reservation services, making reservations and bookings for transportation, and providing customer-specific information related thereto; information, advisory and consultancy services relating to all the aforesaid services. Education, entertainment, cultural and sport services; ticket reservation and booking services for education, entertainment and sports activities and events; entertainment services and educational services, namely, providing virtual environments in which users can interact for recreational, educational, leisure or entertainment purposes; provision of information relating to cultural events, sporting events, festivals, award shows; entertainment services and educational services, namely, the presentation of seminars, lectures, workshops and panel discussions, and non-downloadable audio and video performances in the fields of finance, technology, culture, charitable projects, lifestyle, sports, music, art, and community service; providing information on exercise and fitness via a website; providing physical fitness instruction through online, non-downloadable videos featuring fitness instructors; entertainment services, namely, providing online wine tasting classes and information; providing virtual museum services via the Internet; educational services, namely, providing online classes in the fields of cooking, yoga and meditation; providing online interviews featuring athletes, celebrities, writers and politicians in the fields of sports, music, activism, lifestyle, art and theater for entertainment purposes; providing online non-downloadable visual and audio recordings featuring interviews with celebrities, athletes, and entertainers; providing entertainment information online in the fields of sports, finance, technology, culture, charitable projects, lifestyle, music and art; providing non-downloadable videos online in the fields of sports and entertainment featuring sports documentaries, interviews and original feature profiles and distributed via various platforms across multiple forms of transmission media; providing non-downloadable videos in the field of entertainment, namely, sporting events, festivals, award shows, finance, technology, culture, charitable projects, lifestyle, music and art via global computer networks, wireless communication networks and portable device applications via a website; entertainment services, namely, providing card holders with access to sporting events and preferred seating at such sporting events, and hospitality areas at sporting events; online ticket agency services for athletic competitions and also including discounts on purchases, namely merchandise and concessions; arranging and conducting of entertainment, sporting and cultural events for charitable purposes; entertainment services and educational services, namely, providing entertainment and educational information in the fields of cultural events, concerts, sporting events, festivals, and awards shows in the metaverse and other digital worlds; entertainment services and educational services, namely, the presentation of seminars, programs, cultural and entertainment events, and live musical performances in the metaverse and other digital worlds, in the fields of finance, technology, cryptocurrency, non-fungible tokens (NFTs), culture, charitable projects, lifestyle, travel, fine dining, sports, music, art, and community service; entertainment and educational services, namely, providing entertainment and educational information in the field of fine dining events; information, advisory and consultancy services relating to all the aforesaid services. IT services; providing online non-downloadable software; creating and hosting a website for an on-line community for individuals to trade, discuss, create and collaborate on digital assets, non-fungible tokens (NFTs), metaverses and virtual worlds; providing on-line non-downloadable software for the creation, production and modification of non-fungible tokens (NFTs), digital animated and non-animated designs and characters, avatars, and virtual goods, for access and use in the metaverse and other virtual worlds; creating and hosting an interactive web site featuring information in the field of recipes and cooking; creating and hosting a website featuring information on exercise and fitness; creating and hosting a website featuring information in the fields of sports, finance, technology, culture, charitable projects, lifestyle, music and art; creating and hosting a website featuring non-downloadable videos in the fields of sports and entertainment featuring sports documentaries, interviews and original feature profiles and distributed via various platforms across multiple forms of transmission media; creating and hosting a website featuring non-downloadable videos in the field of entertainment, namely, sporting events, festivals, award shows, finance, technology, culture, charitable projects, lifestyle, music and art via global computer networks, wireless communication networks and portable device applications; information, advisory and consultancy services relating to all the aforesaid services. Fine dining restaurant services; providing information in the field of recipes and cooking via an interactive website; restaurant and bar services; cocktail lounge services; providing food and drink via a food truck; providing on-line booking and reservation services for hotels, temporary lodging, temporary accommodations, restaurants and bars; information, advisory and consultancy services relating to all the aforesaid services.
Examples provide a multi-currency transaction settlement system that utilizes customizable settlement rules to select different types of currencies for use in a settlement process. When a settlement transaction request is received from a requestor, the system applies the settlement rules to identify a currency type to be used to settle the payment amount or a portion of the payment amount regardless of the initial currency type utilized by the customer completing the payment transaction. The rules are used to select a fiat currency or cryptocurrency based on attributes of the transaction, such as the location of the transaction, type of transaction, amount of the transaction, payment installments, time of the transaction, etc. The rules are user-generated to specify which currency type is used for transaction settlement based on one or more of the attributes for improved flexibility and customization of the settlement process.
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 20/06 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
82.
A SYSTEM AND METHOD FOR THE AUTOMATED DEVELOPMENT OF AI PROJECTS
A system and method are provided for automating the development of artificial intelligence projects. The system includes a project store that enables the storage, searching and retrieval of existing artificial intelligence projects. The system also includes a data store that enables the storage, searching and retrieval of data sets. A search engine is provided that enables selected features to be applied to neural networks as part of the existing artificial intelligence projects. An artificial intelligence project server is also provided which utilizes a model training and validation module, a model interference module and an input module.
Systems and methods are described for specifying capability requirements and/or performance criteria, generating a device certification profile, conducting a test based on the device certification profile, and generating a device certificate based on the test. Applications on the device may use the device certificate to enable or disable various functions that access a service that may require a device to have certain capability requirements and/or performance criteria.
A system and method authenticate payment transactions using risk based analysis modeling when multiple payment accounts are identified by input biometric data. An authentication request includes the biometric data associated with a user. Multiple user payment accounts associated with the biometric data are identified. A confidence score is generated for each of the multiple user payment accounts based on context data associated with the payment transaction. The payment account with the highest confidence score is selected. The selected payment account is authenticated for use in processing the payment transaction to ensure payment transactions are performed on the correct payment account.
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
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
A method for conveying a data message using a public ledger includes: generating, by a generation module of a processing server, a data message, wherein the data message comprises one or more data values; electronically transmitting, by a transmitting device of the processing server, a data signal superimposed with the generated data message to a first computing system; receiving, by a receiving device of the processing server, a data signal superimposed with an encrypted message from the first computing system, wherein the encrypted message is generated via application of one or more encryption algorithms to the generated data message using at least one encryption key; appending, by the generation module of the processing server, an identification value to the encrypted message; and submitting, by the transmitting device of the processing server, the appended encrypted message to a public ledger associated with a second computing system.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
H04L 9/14 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité utilisant plusieurs clés ou algorithmes
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
A system and method are provided for automating the development of artificial intelligence projects. The system includes a project store that enables the storage, searching and retrieval of existing artificial intelligence projects. The system also includes a data store that enables the storage, searching and retrieval of data sets. A search engine is provided that enables selected features to be applied to neural networks as part of the existing artificial intelligence projects. An artificial intelligence project server is also provided which utilizes a model training and validation module, a model interference module and an input module.
A system and method authenticate payment transactions using risk based analysis modeling when multiple payment accounts are identified by input biometric data. An authentication request includes the biometric data associated with a user. Multiple user payment accounts associated with the biometric data are identified. A confidence score is generated for each of the multiple user payment accounts based on context data associated with the payment transaction. The payment account with the highest confidence score is selected. The selected payment account is authenticated for use in processing the payment transaction to ensure payment transactions are performed on the correct payment account.
G06F 21/32 - Authentification de l’utilisateur par données biométriques, p.ex. empreintes digitales, balayages de l’iris ou empreintes vocales
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
88.
EXTRA SECURITY ELEMENT ON CARDS TO PROTECT AGAINST FRAUD
Authenticating a secure element payment card includes transmitting a cold reset signal to the payment card and receiving an answer-to-reset message therefrom. The answer-to-reset message includes governing rules for performing a transaction, including a rule indicating that a secure data element is to be used to authenticate the payment card. The process also includes receiving payment account details for a payment account associated with the payment card. A payment authorization request message is transmitted to an interchange network and a card authentication request message is then received from the interchange network. The card authentication request message includes an encrypted instruction, which is transmitted to the secure element payment card. The secure data element is received from the payment card and a card authentication request response message is then transmitted to the interchange network. A payment authorization request response message is then received from the interchange network.
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 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
Systems and methods are described for specifying capability requirements and/or performance criteria, generating a device certification profile, conducting a test based on the device certification profile, and generating a device certificate based on the test. Applications on the device may use the device certificate to enable or disable various functions that access a service that may require a device to have certain capability requirements and/or performance criteria.
The disclosure relates to methods and systems of joining data structures based on a composite similarity score (CSS). For example, a computer system may use a plurality of similarity models to generate respective similarity scores. Each similarity score may be a metric that indicates a confidence that a first data value of a first data record is similar to a second data value of a second data record. The computer system may generate the CSS based on the plurality of similarity sub-scores. The CSS may indicate a confidence that the records being compared are similar. Thus, the CSS may be used to detect similar data records across different data structures. The disclosure also relates to a string similarity model that detects similarity among strings without respect to an order of words in each string and in a way that tolerates errors or omissions in one or both strings.
Embodiments provide methods and systems for training a transaction monitoring model based on a multi-component event-aware loss function. The method performed by a server system includes accessing historical transaction data of payment transactions associated with an acquirer server. Method includes determining acquirer features associated with the acquirer server and transaction features associated with an individual payment transaction based on the historical transaction data. Method includes generating, via an embedding layer, a latent representation corresponding to the individual payment transaction. Method includes training a fraud classifier and an acquirer classifier based on the latent representation and the multi-component event-aware loss function. Method includes computing the multi-component event-aware loss function based on execution of the fraud classifier and the acquirer classifier. Moreover, method includes updating network parameters of the fraud classifier, the acquirer classifier, and the embedding layer based on the multi-component event-aware loss function.
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
92.
SYSTEM AND METHOD FOR SPREADING PAYMENTS ACROSS A PLURALITY OF PUSH NETWORKS
A routing computing system configured to receive a request for payment from the client, the request for payment including a payment amount, a specific originating deposit commercial financial institution, and a specific receiving deposit commercial financial institution; determine that the payment amount is greater than the maximum amount limit of each of the plurality of push networks; split the payment amount into a plurality of sub-payments such that each of the plurality of sub-payments does not exceed the maximum amount limit of at least one of the plurality of push networks; assign each of the plurality of sub-payments to a specific one of the plurality of push networks whose maximum amount limit is greater than or equal to an assigned sub-payment.
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
Systems, methods, and apparatus are described herein data extraction and analysis, and more particularly, to the generation of compliant and optimized peer data.
H04L 41/16 - Dispositions pour la maintenance, l’administration ou la gestion des réseaux de commutation de données, p.ex. des réseaux de commutation de paquets en utilisant l'apprentissage automatique ou l'intelligence artificielle
H04N 21/466 - Procédé d'apprentissage pour la gestion intelligente, p.ex. apprentissage des préférences d'utilisateurs pour recommander des films
94.
SYSTEMS AND METHODS FOR USE IN SECURING OPEN SERVICE CONNECTIONS
Systems and methods are provided for use in securing open service connections. One example computer-implemented method includes initiating communication between a user and an account host as part of a request for an open service connection by the user, whereby the user provides login credentials to the account host for an account issued by the account host to the user. In response to the request, the method includes receiving access tokens for the open service connection from the account host and identifying data for the user and/or the account. The method also includes performing an assessment of the open service connection based on the identifying data, wherein the assessment is based on current and prior usage of the identifying data, and returning the access token and a result of the assessment to the open service customer.
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
A method for linking an initial authentication of an online transaction to a subsequent authorization of the online transaction is provided. The method includes: receiving an authentication request message including transaction data, storing in an authentication database authentication data including an initial transaction amount, causing margin data representative of an authentication margin to be associated with the authentication data in the authentication database, receiving a request to link an authorization request message for the online transaction to the authentication data wherein the authorization request message including a fulfillment transaction amount greater than the initial transaction amount, determining that the fulfillment transaction amount does not exceed the initial transaction amount by more than the authentication margin, and transmitting an indication that the authorization request message is successfully linked to the authentication data, thereby enabling authorization by the payment network of the online transaction including the fulfillment transaction amount.
Systems and methods are provided for use in token management. One example computer-implemented method includes receiving, from a first user, a request to redeem a first token having a first value, where the first token is issued by a consortium of multiple parties. In response to the request, the method includes identifying, based on one or more criteria, one of the multiple parties to settle a redemption of the first token. And, the method then includes initiating transfer of the first value from the one of the multiple parties to an account specific to the first user.
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/06 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
97.
A SYSTEM AND METHOD OF PROCESSING TRANSACTIONS FROM CRYPTO WALLETS
A computer-implemented method of processing a transaction using cryptocurrency, the method comprising: receiving (512) an authorisation request from a merchant (2) in respect of the transaction, the authorisation request containing a consumer token, the consumer token representing a tokenised crypto identifier associated with a consumer account (406) at a crypto wallet entity (400); detokenizing (514) the consumer token to recover the crypto identifier; determining the crypto wallet entity associated with the crypto identifier; forwarding (516) the authorisation request and crypto identifier to the crypto wallet entity; receiving (520) a transaction approval message from the crypto wallet entity; forwarding (524) the transaction approval message to an acquirer and sending (532) a settlement advice message to a settlement bank (416) to settle the transaction between the crypto wallet entity (400) and the acquirer (3).
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/06 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
H04L 9/00 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité
G06F 21/10 - Protection de programmes ou contenus distribués, p.ex. vente ou concession de licence de matériel soumis à droit de reproduction
Systems and methods are provided for use in token management. One example computer-implemented method includes receiving, from a first user, a request to redeem a first token having a first value, where the first token is issued by a consortium of multiple parties. In response to the request, the method includes identifying, based on one or more criteria, one of the multiple parties to settle a redemption of the first token. And, the method then includes initiating transfer of the first value from the one of the multiple parties to an account specific to the first user.
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
Systems and methods are provided for use in securing open service connections. One example computer-implemented method includes initiating communication between a user and an account host as part of a request for an open service connection by the user, whereby the user provides login credentials to the account host for an account issued by the account host to the user. In response to the request, the method includes receiving access tokens for the open service connection from the account host and identifying data for the user and/or the account. The method also includes performing an assessment of the open service connection based on the identifying data, wherein the assessment is based on current and prior usage of the identifying data, and returning the access token and a result of the assessment to the open service customer.
A convertor computing device operable to reduce cross-border traffic over a network is provided. The convertor computing device is configured to store institution profile data associated with an institution and user profile data for a plurality of users associated with the institution. The convertor computing device is also configured to generate, based on the user profile data, sets of transfer data, each set identifying a recipient, associated recipient country, and transfer amount from a user. The convertor computing device is also configured to aggregate individual transfer amounts into a batch transfer amount based on matching recipient country, transfer the batch transfer amount in a single cross-border transaction from an institution account to a batch receiver in the matching country, and generate an instruction data file that instructs the batch receiver to distribute the individual transfer amounts to the associated recipients within the matching country.
