In some implementations, a verification system may receive, from a user device, a request to validate an account. The verification system may initiate a microdeposit using an electronic rail, and the microdeposit may be associated with a human-readable description. The verification system may receive, from the user device, an indication of the human-readable description associated with the microdeposit. The verification system may therefore validate the account based on the indication.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
Systems and methods for data parsing are disclosed. In one aspect, a method of parsing raw data associated with one or more transactions involves receiving a text string including raw data for a transaction, matching the text string to a plurality of locations within a location corpus to extract location information from the text string, and identifying a candidate entity from the text string based on a similarity score with respect to a plurality of entities within an entity corpus. The method further involves in response to the similarity score of the identified candidate entity being less than a threshold score, generating entity information using the tokens indicative of entity information, and generating normalized transaction data including the extracted location information and one of the identified candidate entity or the generated entity information.
A user account evaluation system is disclosed for evaluating risk associated with a user account. The system may obtain user account data associated with many user accounts, select a statistically significant subset of the user accounts, and then process (e.g., to determine types of the user accounts, etc.) and analyze the subset of user accounts to generate a plurality of evaluation models. When a new user account is accessed by the system, user account data may be obtained for the new user account, and the new user account may be evaluated based on the plurality of evaluation models. Accordingly, a plurality of evaluation parameter scores may be generated for the new user account, each of which may indicate an amount of risk associated with the user account. Some embodiments of the present disclosure may include machine learning and/or artificial intelligence methods to improve evaluation of the user accounts.
In some implementations, a verification device may generate a first set of radio buttons associated with a first verification procedure and provide the first set of radio buttons in an area associated with a verification template. The verification device may receive a selection of a configuration for the first verification procedure using the first set of radio buttons. The verification device may generate a second set of radio buttons associated with a second verification procedure and provide the second set of radio buttons in the area associated with the verification template. The verification device may receive a selection of a configuration for the second verification procedure using the second set of radio buttons. Accordingly, the verification device may generate instructions for generating a set of user interfaces based on the selection of the configuration for the first verification procedure and the selection of the configuration for the second verification procedure.
G06F 3/0481 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
G06F 3/0482 - Interaction with lists of selectable items, e.g. menus
G06F 8/38 - Creation or generation of source code for implementing user interfaces
G06F 9/448 - Execution paradigms, e.g. implementations of programming paradigms
G06F 9/451 - Execution arrangements for user interfaces
G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
G06F 21/36 - User authentication by graphic or iconic representation
In some implementations, a classification system may receive credentials associated with a data source and may receive, from the data source and using the credentials, a set of structured data including input events and output events. The classification system may filter the set of structured data by applying a first set of rules to generate a filtered set of structured data and may convert the filtered set of structured data to one or more numerical vectors, where a vector space associated with the one or more numerical vectors is infinite-dimensional. The classification system may further cluster the one or more numerical vectors using a first machine learning model to generate one or more clusters. Accordingly, the classification system may determine one or more classifications based on the set of structured data, each of the one or more classifications being associated with a corresponding frequency and a corresponding category.
In some implementations, a verification system generates visual regions, each associated with a verification rule and including visual elements for defining a type of user information and a type of matching criterion. These elements include at least one pair of visual selectors: a first selector for user information and a second selector for matching criteria. The system dynamically modifies the verification rule based on real-time interaction with these elements and determines user verification by applying received input to the modified rule. Features include drag-and-drop components, customizable matching thresholds, color-coded rule status indicators, and the management of verification rules through addition, deletion, and modification of visual selectors.
G06F 3/0481 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
G06F 3/0482 - Interaction with lists of selectable items, e.g. menus
G06F 8/38 - Creation or generation of source code for implementing user interfaces
G06F 9/451 - Execution arrangements for user interfaces
7.
SYSTEM AND METHOD FOR MAINTAINING INTERNET ANONYMITY VIA CLIENT FINGERPRINT
A system and method for altering client fingerprint that includes editing data components of network communication from a client device to a server, which comprises editing network protocol data from the client during negotiation of a cryptographic protocol; selectively enabling access to library components specified in the edited client network protocol data; and sending a client communication to the server using the edited client network protocol data.
A system and method for aggregating account data, and more specifically, a system and method for aggregation of financial account data that provides enhanced privacy and security protections to a user by enabling the user to maintain custody of his or her login credentials. A syncing agent in coordination with a system add-on coordinates log-in to a remote system and storage of session information. Syncing agent utilizes the session agent to retrieve additional information on behalf of the user or perform other tasks on the remote server.
G06F 16/27 - Replication, distribution or synchronisation of data between databases or within a distributed database systemDistributed database system architectures therefor
A system and method for cloud management of user interactions on a client device comprising: initiating, in response to an initiation request of a client application, processing of a workflow configuration with an initial session state, wherein the workflow is a data model of a graph of nodes connected with directed edges, where the nodes include a set of node types that includes at least a pane node; iteratively processing the workflow configuration, initially using the initial session state, and thereby generating rendered panes for use in a user interaction flow of a client application, which comprises: following a next edge of the workflow configuration to determine a next workflow node, processing the next workflow node, which comprises, when the next workflow node is a pane node, rendering the pane node into a rendered pane, and sending the rendered panes to the client device.
A system and method that includes receiving a client data packet from network traffic with a client device; extracting a set of packet components from the client data packet; generating a client fingerprint from the set of packet components; assigning a client type to the network traffic using the client fingerprint; and optionally filtering the network traffic of the client device based at least in part on the client type.
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
H04L 9/06 - Arrangements for secret or secure communicationsNetwork security protocols the encryption apparatus using shift registers or memories for blockwise coding, e.g. D.E.S. systems
A system and method for secure permissioning of access to user accounts, including secure distribution of aggregated user account data can include generating a financial report based on account information associated with one or more user accounts; receiving a financial report request for the financial report of the user account, wherein the financial report request is identified as being received from a third-party system; generating an audit report token associated with the financial report; sharing the audit token with the first third-party system in response to the financial report request; and providing the first third-party system account access to the financial report through the report token, where the audit report token can be shared with a second third-party system and provided by the second third-party system in order to confirm authorization to the report and integrity of the report.
In some implementations, a validation device may receive a set of rules associated with requests to and responses from a set of application programming interfaces (APIs). The validation device may transmit, to the set of APIs, a plurality of requests based on the set of rules. The validation device may receive, from the set of APIs, a plurality of responses corresponding to the plurality of requests. The validation device may verify the plurality of responses against the set of rules. The validation device may transmit, to a user device, instructions for a user interface indicating one or more results from verifying the plurality of responses against the set of rules.
In some implementations, a tokenizer may receive, from a registered device, an authorization request for account information, in a format associated with a network, to use for an event. The tokenizer may generate a token, transparent to the format associated with the network and based on the account information, where the token expires after a single use for the event. The tokenizer may transmit the token to the registered device in response to the authorization request. The tokenizer may transmit an indication associated with the token to a processing device included in the network.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
Systems and methods for programmatic access of external financial service systems. An application proxy instance is created that simulates an application of an external financial service system. A normalized account request is received for financial data of the external financial service system for a specified account. The normalized account request is provided by an external financial application system by using a financial data API of the financial platform system. Responsive to the normalized account request, communication is negotiated with the external financial service system by using the application proxy instance to access the requested financial data from the external financial service system by using a proprietary Application Programming Interface (API) of the external financial service system. The financial data is provided to the external financial application system as a response to the normalized account request.
In some implementations, an enrichment engine may receive a first entry. The enrichment engine may generate a normalized first entry by using subword tokenization of the first entry. The enrichment engine may execute a plurality of searches concurrently, including: a first search configured to map a portion of the normalized first entry to a first result using regular expressions and fuzzy matching, a second search configured to provide the normalized first entry to a machine learning model in order to receive a second result, and a third search configured to map a vectorized version of the normalized first entry to a third result in a vector database. The enrichment engine may determine a selected result from the first result based on the first search, the second result based on the second search, or the third result based on the third search. The enrichment engine may return the selected result.
Systems and techniques are disclosed for accessing accounts associated with a user and estimating a value of an attribute associated with the user based upon the retrieved account information. Transaction data associated with an account at an external user account system is received. The transactions are categorized into transaction groups. For each transaction group, a confidence value that the group is associated with the attribute is estimated, based at least in part upon a distribution of transaction amounts for the transactions of the group over a time period associated with the group. An attribute value is estimated for each group, based at least in part upon the transaction amounts of the transaction of the group. In addition a value of the attribute for a future time period may be predicted based upon the transaction groups.
In some implementations, a data partner may transmit a first request associated with a user account and may receive a first response including an access token. The data partner may transmit a second request, that includes the access token, for a list of applications associated with the user account and may receive a second response including the list of applications. The data partner may transmit a third request, that includes the access token, for a list of activities associated with the list of applications and may receive a third response including the list of activities. The data partner may transmit a fourth request, that includes the access token, to unlink a selected application, from the list of applications, from the user account. The data partner may receive an indication that a token associated with the selected application was revoked.
A permissions management system is disclosed for enabling a user to securely authorize access to user accounts and/or securely authorize execution of transactions related to user accounts via one or more application programming interfaces (“APIs”) and/or one or more authorization mechanisms.
A permissions management system is disclosed for enabling a user to securely authorize a third-party system to access user account data and initiate transactions related to a user account, without disclosing to the third-party system account credentials. The system enables the user to also securely de-authorize the third-party system. For example, records may be automatically generated that securely store account information, including one or more permissions related to the account and/or the third-party. A token associated with a record may be shared with the third-party system, but neither the record itself, nor the user account credentials, may be shared with the third-party. Accordingly, the third-party may request user account data and/or initiate transactions by providing the token, but does not itself know, e.g., the user account credentials. Further, the user may set various permissions related to the token, and may also revoke the token (e.g., de-authorize the third-party), thus providing increased security to the user's account.
H04L 29/06 - Communication control; Communication processing characterised by a protocol
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
Systems and methods for programmatic access of a financial institution system. A normalized API request provided by an application system specifies user information corresponding to at least one account endpoint of an external financial institution system. Responsive to the request, at least one application proxy instance associated with the normalized API request is used to collect transaction information from a corresponding financial institution system by providing the financial institution system with a proprietary API request. The transaction information is included in at least one proprietary API response provided by the financial institution system. A normalized API response is generated based on the collected transaction information and provided to the application system. Each application proxy instance is constructed to simulate an application of the corresponding financial institution system on behalf of a user associated with the application proxy instance.
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Downloadable computer software to allow users to perform electronic business transactions via a global computer network; downloadable databases and electronic data sets in the field of personally identifiable information and personal and business identification verification for fraud prevention for identity verification and authentication; downloadable software for performing identity verification and authentication; downloadable computer communications software to allow customers to access bank account information and transact bank business; downloadable mobile applications for managing bank accounts and money transfers; downloadable computer software that allows for users to access, connect and store financial accounts and account information (1) Providing an on-line computer database in the field of financial transactions; financial account linking and onboarding; customer financial risk management monitoring through review of financial and credit information; income verification services; financial data aggregation services
(2) Electronic signature authentication and verification services using technology to authenticate user identity; providing an online searchable database and on-line electronic data sets featuring information in the field of digital certificate authentication and validation and providing temporary use of on-line non-downloadable computer software for authenticating and validating digital certificates; providing an on-line searchable database and on-line electronic data sets in the field of fraud prevention for identity verification and authentication, specifically featuring electronically monitored credit card activity data useful in detecting fraud via the Internet, electronic signatures for use in electronic signature verification using technology to authenticate user identity; providing temporary use of on-line non-downloadable computer software for identity verification and authentication; computer security services in the nature of providing authentication, issuance, validation and revocation of digital certificates; computer security services, namely, enforcing, restricting and controlling access privileges of users of computing resources for cloud, mobile or network resources based on assigned credentials; electronic monitoring of personally identifying information to detect identity theft via the internet; electronic signature verification services using technology to authenticate user identity; providing temporary use of non-downloadable computer software for allowing users to perform electronic business transactions via a global computer network; application service provider featuring application programming interface (API) software for integrating business, transactional, financial, and analytics information and functionality into other software and platforms; temporary online use of non-downloadable software that allows for users to access, connect and store financial accounts and account information
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Downloadable computer software to allow users to perform electronic business transactions via a global computer network; downloadable databases and electronic data sets in the field of personally identifiable information and personal and business identification verification for fraud prevention for identity verification and authentication; downloadable software for performing identity verification and authentication; downloadable computer communications software to allow customers to access bank account information and transact bank business; downloadable mobile applications for managing bank accounts and money transfers; downloadable computer software that allows for users to access, connect and store financial accounts and account information (1) Providing an on-line computer database in the field of financial transactions; financial account linking and onboarding; customer financial risk management monitoring through review of financial and credit information; income verification services; financial data aggregation services
(2) Electronic signature authentication and verification services using technology to authenticate user identity; providing an online searchable database and on-line electronic data sets featuring information in the field of digital certificate authentication and validation and providing temporary use of on-line non-downloadable computer software for authenticating and validating digital certificates; providing an on-line searchable database and on-line electronic data sets in the field of fraud prevention for identity verification and authentication, specifically featuring electronically monitored credit card activity data useful in detecting fraud via the Internet, electronic signatures for use in electronic signature verification using technology to authenticate user identity; providing temporary use of on-line non-downloadable computer software for identity verification and authentication; computer security services in the nature of providing authentication, issuance, validation and revocation of digital certificates; computer security services, namely, enforcing, restricting and controlling access privileges of users of computing resources for cloud, mobile or network resources based on assigned credentials; electronic monitoring of personally identifying information to detect identity theft via the internet; electronic signature verification services using technology to authenticate user identity; providing temporary use of non-downloadable computer software for allowing users to perform electronic business transactions via a global computer network; application service provider featuring application programming interface (API) software for integrating business, transactional, financial, and analytics information and functionality into other software and platforms; temporary online use of non-downloadable software that allows for users to access, connect and store financial accounts and account information
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
downloadable computer software to allow users to perform electronic business transactions via a global computer network; downloadable databases and electronic data sets in the field of personally identifiable information and personal and business identification verification for fraud prevention for identity verification and authentication; downloadable software for performing identity verification and authentication; downloadable computer communications software to allow customers to access bank account information and transact bank business; downloadable mobile applications for managing bank accounts and money transfers; downloadable computer software that allows for users to access, connect and store financial accounts and account information providing an on-line computer database in the field of financial transactions; customer financial risk management monitoring through review of financial and credit information; income verification services; financial data aggregation services electronic signature authentication and verification services using technology to authenticate user identity; providing an online searchable database and on-line electronic data sets featuring information in the field of digital certificate authentication and validation and providing temporary use of on-line non-downloadable computer software for authenticating and validating digital certificates; providing an on-line searchable database and on-line electronic data sets in the field of fraud prevention for identity verification and authentication, specifically featuring electronically monitored credit card activity data useful in detecting fraud via the Internet, electronic signatures for use in electronic signature verification using technology to authenticate user identity; providing temporary use of on-line non-downloadable computer software for identity verification and authentication; computer security services in the nature of providing authentication, issuance, validation and revocation of digital certificates; computer security services, namely, enforcing, restricting and controlling access privileges of users of computing resources for cloud, mobile or network resources based on assigned credentials; electronic monitoring of personally identifying information to detect identity theft via the internet; electronic signature verification services using technology to authenticate user identity; providing temporary use of non-downloadable computer software for allowing users to perform electronic business transactions via a global computer network; application service provider featuring application programming interface (API) software for integrating business, transactional, financial, and analytics information and functionality into other software and platforms; temporary online use of non-downloadable software that allows for users to access, connect and store financial accounts and account information; financial account linking and onboarding in the nature of providing technological consulting for assisting consumers in using computer technology to create online financial accounts, set up payment features, and link financial accounts to other bank accounts, businesses and financial institutions
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
downloadable computer software to allow users to perform electronic business transactions via a global computer network; downloadable databases and electronic data sets in the field of personally identifiable information and personal and business identification verification for fraud prevention for identity verification and authentication; downloadable software for performing identity verification and authentication; downloadable computer communications software to allow customers to access bank account information and transact bank business; downloadable mobile applications for managing bank accounts and money transfers; downloadable computer software that allows for users to access, connect and store financial accounts and account information providing an on-line computer database in the field of financial transactions; customer financial risk management monitoring through review of financial and credit information; income verification services; financial data aggregation services electronic signature authentication and verification services using technology to authenticate user identity; providing an online searchable database and on-line electronic data sets featuring information in the field of digital certificate authentication and validation and providing temporary use of on-line non-downloadable computer software for authenticating and validating digital certificates; providing an on-line searchable database and on-line electronic data sets in the field of fraud prevention for identity verification and authentication, specifically featuring electronically monitored credit card activity data useful in detecting fraud via the Internet, electronic signatures for use in electronic signature verification using technology to authenticate user identity; providing temporary use of on-line non-downloadable computer software for identity verification and authentication; computer security services in the nature of providing authentication, issuance, validation and revocation of digital certificates; computer security services, namely, enforcing, restricting and controlling access privileges of users of computing resources for cloud, mobile or network resources based on assigned credentials; electronic monitoring of personally identifying information to detect identity theft via the internet; electronic signature verification services using technology to authenticate user identity; providing temporary use of non-downloadable computer software for allowing users to perform electronic business transactions via a global computer network; application service provider featuring application programming interface (API) software for integrating business, transactional, financial, and analytics information and functionality into other software and platforms; temporary online use of non-downloadable software that allows for users to access, connect and store financial accounts and account information; financial account linking and onboarding in the nature of providing technological consulting for assisting consumers in using computer technology to create online financial accounts, set up payment features, and link financial accounts to other bank accounts, businesses and financial institutions
25.
SYSTEM AND METHOD FOR ASSESSING A DIGITAL INTERACTION WITH A DIGITAL THIRD PARTY ACCOUNT SERVICE
A system and method for assessing digital interactions with a digital third party accounts can include receiving user account credentials for authentication with an external computing system, storing the user account credentials in association with a authentication token and communicating the authentication token to a computing device of an external application service; receiving, through a programmatic communication interface, a request that references the authentication token and digital interaction details; programmatically authenticating, using the stored user account credentials, as a user account with the external computing system and retrieving account data; processing the account data in combination with the digital interaction details and thereby generating a digital interact assessment; and initiating execution of a digital interaction based in part on the digital interaction assessment.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
26.
Predicting data availability and scheduling data pulls
In some implementations, a data aggregator may receive an indication associated with a data record. The data aggregator may apply a model to the indication to generate a prediction regarding when new information associated with the data record will be available. Based on the prediction, the data aggregator may refrain from requesting new information and may schedule a pull for new information associated with the data record for a later time. Additionally, or alternatively, the data aggregator may receive an indication associated with a plurality of data pulls that are associated with a plurality of data records and may receive an indication of a rate limit associated with a host for the plurality of data records. The data aggregator may apply rules to generate a ranking of the plurality of data pulls and may schedule the plurality of data pulls based on the ranking and the rate limit.
In some implementations, a data aggregator may receive an indication associated with a data record. The data aggregator may apply a model to the indication to generate a prediction regarding when new information associated with the data record will be available. Based on the prediction, the data aggregator may refrain from requesting new information and may schedule a pull for new information associated with the data record for a later time. Additionally, or alternatively, the data aggregator may receive an indication associated with a plurality of data pulls that are associated with a plurality of data records and may receive an indication of a rate limit associated with a host for the plurality of data records. The data aggregator may apply rules to generate a ranking of the plurality of data pulls and may schedule the plurality of data pulls based on the ranking and the rate limit.
Systems and methods for programmatic access of a financial institution system. A normalized API request provided by an application system specifies user information corresponding to at least one account endpoint of an external financial institution system. Responsive to the request, at least one application proxy instance associated with the normalized API request is used to collect transaction information from a corresponding financial institution system by providing the financial institution system with a proprietary API request that specifies at least account credentials associated with the user information. The transaction information is included in at least one proprietary API response provided by the financial institution system. A normalized API response is generated based on the collected transaction information and provided to the application system. Each application proxy instance is constructed to simulate an application of the corresponding financial institution system on behalf of a user associated with the application proxy instance.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Downloadable software for providing a consumer's incomes, assets, employment and financial information; downloadable software for providing consumer credit reports and information Financial services, namely financial reporting services; credit reporting services Application service provider featuring application programming interface (API) software for providing a consumer's incomes, assets, employment and financial information; application service provider featuring application programming interface (API) software for providing consumer credit reports and information; providing temporary use of online non-downloadable computer software for providing a consumer's incomes, assets, employment and financial information; providing temporary use of online non-downloadable computer software for providing temporary use of online non-downloadable computer software for providing consumer credit reports and information
In some implementations, a verification system may generate a selector associated with a plurality of countries. The verification system may receive an indication of a selected country from the plurality of countries. Accordingly, the verification system may generate one or more visual regions, where each visual region is associated with a corresponding verification rule and includes at least one pair of visual selectors with a first selector associated with a type of user information and a second selector associated with a type of matching. The verification system may modify the verification rule based on interaction with the at least one pair of visual selectors included in a corresponding visual region of the one or more visual regions.
G06F 3/0481 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
G06F 3/0482 - Interaction with lists of selectable items, e.g. menus
G06F 8/38 - Creation or generation of source code for implementing user interfaces
G06F 9/448 - Execution paradigms, e.g. implementations of programming paradigms
G06F 9/451 - Execution arrangements for user interfaces
G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
G06F 21/36 - User authentication by graphic or iconic representation
Systems and methods for programmatic access of external financial service systems. An application proxy instance is created that simulates an application of an external financial service system. A normalized account request is received for financial data of the external financial service system for a specified account. The normalized account request is provided by an external financial application system by using a financial data API of the financial platform system. Responsive to the normalized account request, communication is negotiated with the external financial service system by using the application proxy instance to access the requested financial data from the external financial service system by using a proprietary Application Programming Interface (API) of the external financial service system. The financial data is provided to the external financial application system as a response to the normalized account request.
09 - Scientific and electric apparatus and instruments
35 - Advertising and business services
36 - Financial, insurance and real estate services
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Downloadable computer software featuring application programming interface (API) software for banking and credit card data that provides software developers with a clean, categorized view of user transactions and account balances; downloadable computer software for developers and merchants to track and manage transactions, customers, and metrics in the fields of business and finance; downloadable computer software to allow users to perform electronic business transactions via a global computer network; electronic software updates, namely, downloadable computer software and associated data files for updating computer software in the fields of business and finance, provided via computer and communication networks; downloadable databases and electronic data sets containing data relating to authenticity and validation of digital certificates; downloadable software for authenticating and validating digital certificates; downloadable databases and electronic data sets in the field of personally identifiable information and personal and business identification verification for fraud prevention for identity verification and authentication; downloadable software for performing identity verification and authentication; downloadable computer communications software to allow customers to access bank account information and transact bank business; downloadable mobile applications for managing bank accounts and money transfers; downloadable computer software in the nature of a mobile application used to generate cryptographic keys related to cryptocurrency tokens; downloadable computer software for generating cryptographic keys for sending, receiving, and spending digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; downloadable computer software in the nature of a mobile application to send, receive, store, and safeguard digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions on a blockchain technology; downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions using distributed ledger technology; downloadable computer software for transfers of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens between parties; downloadable computer software for creating and managing smart contracts; downloadable computer software for managing, verifying, and validating cryptocurrency transactions using blockchain-based smart contracts; downloadable computer software for use as a cryptocurrency wallet; downloadable computer software for use as an electronic wallet; downloadable computer software for use as a digital currency wallet; cryptocurrency hardware wallets Organizing exhibitions, events, and tradeshows in the field of software development for commercial and business purposes; accounting consultation; accounting services; payroll administration and management services; bookkeeping; invoicing Money transfers; electronic transfer of money; merchant services, namely, payment transaction processing services; payment and funds verification services; credit card verification; currency transfer services; financial services, namely, providing for the exchange of foreign currency via the internet and intranet systems; electronic funds transfer; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; providing an on-line computer database in the field of financial transactions; financial analysis, namely, compiling and analyzing statistics, data and other sources of information for financial purposes; financial information and evaluations; financial risk management; financial transaction services, namely, providing secure commercial transactions and payment options; providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; financial planning; financial consulting; financial information; providing financial information; financial information processing; debt management services; debt management consultation; mortgage financing services; mortgage refinancing; mortgage lending consultation services; brokerage services in the field of stocks and commodities; business brokerage services; Investment management; financial management; financial advisory and consultancy services; cryptocurrency payment processing services; cryptocurrency trading services; cryptocurrency exchange services; cryptocurrency exchange services featuring blockchain technology; financial exchange of virtual currency; financial brokerage services for cryptocurrency trading; cryptocurrency wallet services in the nature of processing electronic wallet payments; financial services relating to electronic wallet services, namely, bill and invoice payments via electronic wallet; cryptocurrency payment processing; cryptocurrency payment processing featuring blockchain technology; cryptocurrency payment processing featuring distributed ledger technology; blockchain-based payment verification services; distributed ledger-based payment verification services; processing electronic payments through electronic wallet services; bill payment services via an electronic wallet; digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility token payment processing services for others; digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility token payment processing services through electronic wallet 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; Financial advisory services in the field of digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; Financial information services related to digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens Arranging, hosting, and conducting educational conferences in the fields of technology and financial technology; educational and entertainment services, namely, providing conferences, workshops, training, courses and seminars in the field of computers, computer software, software development, application programming interfaces (API) and fintech services; organizing and hosting conferences, exhibitions, training and tutorials in the field of computers, computer software, software development, application programming interfaces (API) and fintech services, and distributing course materials in connection therewith for educational or entertainment purposes; organizing exhibitions and events in the field of software development for educational or entertainment purposes; providing a website featuring non-downloadable electronic publications of others, namely, journals, articles, featuring information on the topic of computers, computer software, software development, application programming interfaces (API) and fintech services Application service provider featuring application programming interface (API) software for banking and credit card data that provides software developers with a clean, categorized view of user transactions and account balances; providing temporary use of non-downloadable computer software for developer and merchants to track and manage their transactions and metrics in the fields of business and finance; providing temporary use of non-downloadable computer software for allowing users to perform electronic business transactions via a global computer network; electronic data storage; electronic storage of files and documents; providing temporary use of on-line non-downloadable cloud computing software for identifying, classifying, evaluating, and reviewing potentially fraudulent payments; Design and development of computer software for the enablement of accepting purchases from within mobile apps and software that perform other non-purchasing functions; application service provider featuring application programming interface (API) software for enabling a mobile app to accept purchases and payments; Application service provider featuring application programming interface (API) software for integrating business, transactional, financial, and analytics information and functionality into other software and platforms; electronic signature authentication and verification services using technology to authenticate user identity; providing an on-line searchable database and on-line electronic data sets featuring information in the field of digital certificate authentication and validation and providing temporary use of non-downloadable computer software for authenticating and validating digital certificates; providing temporary use of non-downloadable computer software relating to information regarding personal and business identity, namely, software for compiling, analyzing and managing personal and business identity information; providing an on-line searchable database and on-line electronic data sets in the field of fraud prevention for identity verification and authentication, specifically featuring electronically monitored credit card activity data useful in detecting fraud via the Internet, electronic signatures for use in electronic signature verification using technology to authenticate user identity; providing temporary use of non-downloadable computer software for identity verification and authentication; management of consumer electronic payments; providing temporary use of non-downloadable software for managing bookkeeping, invoicing, accounting and payroll tasks; providing user authentication of electronic funds transfer, credit and debit card and electronic check transactions using API software via a global computer network; Computer security services in the nature of providing authentication, issuance, validation and revocation of digital certificates; Computer security services, namely, enforcing, restricting and controlling access privileges of users of computing resources for cloud, mobile or network resources based on assigned credentials; Electronic monitoring of personally identifying information to detect identity theft via the internet; Electronic signature verification services using technology to authenticate user identity; Electronic monitoring of credit card activity to detect fraud via the internet; providing temporary use of online non-downloadable computer software for use in generating cryptographic keys related to cryptocurrency tokens; providing temporary use of online non-downloadable computer software for generating cryptographic keys for sending, receiving, and spending digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; providing temporary use of online non-downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions on a blockchain technology; providing temporary use of online non-downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions using distributed ledger technology; providing temporary use of online non-downloadable computer software for transfers of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens between parties; providing temporary use of online non-downloadable computer software for creating and managing smart contracts; providing temporary use of online non-downloadable computer software for managing, verifying, and validating cryptocurrency transactions using blockchain-based smart contracts; providing temporary use of online non-downloadable computer software for use as a cryptocurrency wallet; providing temporary use of online non-downloadable computer software for use as an electronic wallet; providing temporary use of online non-downloadable computer software for use as a digital currency wallet; providing a website featuring technology that enables users to generate printable cryptocurrency wallets; providing user authentication services using blockchain-based software technology for cryptocurrency transactions; authentication of data in the field of cryptocurrency transactions using blockchain technology; platform as a service (PAAS) featuring software platforms using blockchain and distributed ledger technology for authenticating and processing payments of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; software as a service (SAAS) featuring software platforms using blockchain and distributed ledger technology for authenticating and processing payments of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; Providing news, commentary and information in the field of software development
Systems and methods for secure updating of allocations to user accounts are provided. In one aspect, a system includes one or more computer readable storage mediums having program instructions embodied therewith, and one or more processors configured to cause the system to identify an external institution associated with the future transfers, and initiate, based on the identified external institution, a proxy instance of a software application of the external institution to determine a set of endpoints and a set of the future transfers to the endpoints. The system is further configured to receive a request from a user to change at least one of the set of the endpoints and the set of the further transfers to the endpoints, and use the proxy instance, executing the requested change to at least one of the set of the endpoints or the set of the future transfers to the endpoints.
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
34.
SYSTEM AND METHOD LINKING TO ACCOUNTS USING CREDENTIAL-LESS AUTHENTICATION
A system and method for linking to accounts using credential-less authentication that includes: within a first application context at an account-linking computing service: receiving a request to establish an account link, establishing the account link to a user account of an account service using user credentials, and receiving user identifying information of the first application context and storing the user identifying information in association with the account link; and within a second application context at the account-linking computing service: receiving user identifying information of the second application context, searching and identifying a candidate account link using the user identifying information of the second application context, verifying eligibility for access to the account link, and permitting access to the account link upon successful verification of eligibility.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
In some implementations, a classification system may receive credentials associated with a data source and may receive, from the data source and using the credentials, a set of structured data including input events and output events. The classification system may filter the set of structured data by applying a first set of rules to generate a filtered set of structured data and may convert the filtered set of structured data to one or more numerical vectors, where a vector space associated with the one or more numerical vectors is infinite-dimensional. The classification system may further cluster the one or more numerical vectors using a first machine learning model to generate one or more clusters. Accordingly, the classification system may determine one or more classifications based on the set of structured data, each of the one or more classifications being associated with a corresponding frequency and a corresponding category.
Systems and methods for programmatic access of a financial institution system. A normalized API request provided by an application system specifies user information corresponding to at least one account endpoint of an external financial institution system. Responsive to the request, at least one application proxy instance associated with the normalized API request is used to collect transaction information from a corresponding financial institution system by providing the financial institution system with a proprietary API request that specifies at least account credentials associated with the user information. The transaction information is included in at least one proprietary API response provided by the financial institution system. A normalized API response is generated based on the collected transaction information and provided to the application system. Each application proxy instance is constructed to simulate an application of the corresponding financial institution system on behalf of a user associated with the application proxy instance.
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
37.
System and method for maintaining internet anonymity via client fingerprint
A system and method for altering client fingerprint that includes editing data components of network communication from a client device to a server, which comprises editing network protocol data from the client during negotiation of a cryptographic protocol; selectively enabling access to library components specified in the edited client network protocol data; and sending a client communication to the server using the edited client network protocol data.
09 - Scientific and electric apparatus and instruments
35 - Advertising and business services
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Downloadable computer software featuring application programming interface (API) software for banking and credit card data that provides software developers with a clean, categorized view of user transactions and account balances; downloadable computer software for developers and merchants to track and manage transactions, customers, and metrics in the fields of business and finance; downloadable computer software to allow users to perform electronic business transactions via a global computer network; electronic software updates, namely, downloadable computer software and associated data files for updating computer software in the fields of business and finance, provided via computer and communication networks; downloadable databases and electronic data sets containing data relating to authenticity and validation of digital certificates; downloadable software for authenticating and validating digital certificates; downloadable databases and electronic data sets in the field of personally identifiable information and personal and business identification verification for fraud prevention for identity verification and authentication; downloadable software for performing identity verification and authentication; downloadable computer communications software to allow customers to access bank account information and transact bank business; downloadable mobile applications for managing bank accounts and money transfers; downloadable computer software in the nature of a mobile application used to generate cryptographic keys related to cryptocurrency tokens; downloadable computer software for generating cryptographic keys for sending, receiving, and spending digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; downloadable computer software in the nature of a mobile application to send, receive, store, and safeguard digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions on a blockchain technology; downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions using distributed ledger technology; downloadable computer software for transfers of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens between parties; downloadable computer software for creating and managing smart contracts; downloadable computer software for managing, verifying, and validating cryptocurrency transactions using blockchain-based smart contracts; downloadable computer software for use as a cryptocurrency wallet; downloadable computer software for use as an electronic wallet; downloadable computer software for use as an e-wallet; downloadable computer software for use as a digital currency wallet; cryptocurrency hardware wallets (1) Money transfers; electronic transfer of money; merchant services, namely, payment transaction processing services; payment and funds verification services; credit card verification; currency transfer services; financial services, namely, providing for the exchange of foreign currency via the internet and intranet systems; electronic funds transfer; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; providing an on-line computer database in the field of financial transactions; financial analysis, namely, compiling and analyzing statistics, data and other sources of information for financial purposes; financial information and evaluations; financial risk management; financial transaction services, namely, providing secure commercial transactions and payment options; providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; financial planning; financial consulting; financial information; providing financial information; financial information processing; debt management services; debt management consultation; mortgage financing services; mortgage refinancing; mortgage lending consultation services; brokerage services in the field of stocks and commodities; business brokerage services; Investment management; financial management; debt management services; financial advisory and consultancy services; accounting consultation; accounting services; payroll administration and management services; bookkeeping; invoicing; cryptocurrency payment processing services; cryptocurrency trading services; cryptocurrency exchange services; cryptocurrency exchange services featuring blockchain technology; financial exchange of virtual currency; financial brokerage services for cryptocurrency trading; issuance of tokens of value; cryptocurrency wallet services in the nature of processing electronic wallet payments and storage of cryptocurrencies; financial services relating to electronic wallet services, namely, bill and invoice payments via electronic wallet and storage of cryptocurrencies; financial services relating to electronic wallet services; cryptocurrency payment processing; cryptocurrency payment processing featuring blockchain technology; cryptocurrency payment processing featuring distributed ledger technology; blockchain-based payment verification services; distributed ledger-based payment verification services; processing electronic payments through electronic wallet services; bill payment services via an electronic wallet; digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility token payment processing services for others; digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility token payment processing services through electronic wallet services; digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility token trading services; digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility token processing services for others; management of digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; 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; Financial advisory services in the field of digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; Financial information services related to digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens
(2) Application service provider featuring application programming interface (API) software for banking and credit card data that provides software developers with a clean, categorized view of user transactions and account balances; providing temporary use of non-downloadable computer software for developer and merchants to track and manage their transactions and metrics in the fields of business and finance; providing temporary use of non-downloadable computer software for allowing users to perform electronic business transactions via a global computer network; electronic data storage; electronic storage of files and documents; providing temporary use of on-line non-downloadable cloud computing software for identifying, classifying, evaluating, and reviewing potentially fraudulent payments; Design and development of computer software for the enablement of accepting purchases from within mobile apps and software that perform other non-purchasing functions; application service provider featuring application programming interface (API) software for enabling a mobile app to accept purchases and payments; Application service provider featuring application programming interface (API) software for integrating business, transactional, financial, and analytics information and functionality into other software and platforms; electronic signature authentication and verification services using technology to authenticate user identity; providing an on-line searchable database and on-line electronic data sets featuring information in the field of digital certificate authentication and validation and providing temporary use of non-downloadable computer software for authenticating and validating digital certificates; providing temporary use of non-downloadable computer software relating to information regarding personal and business identity, namely, software for compiling, analyzing and managing personal and business identity information; providing an on-line searchable database and on-line electronic data sets in the field of fraud prevention for identity verification and authentication, specifically featuring electronically monitored credit card activity data useful in detecting fraud via the Internet, electronic signatures for use in electronic signature verification using technology to authenticate user identity; providing temporary use of non-downloadable computer software for identity verification and authentication; management of consumer electronic payments; providing temporary use of non-downloadable software for managing bookkeeping, invoicing, accounting and payroll tasks; providing user authentication of electronic funds transfer, credit and debit card and electronic check transactions using API software via a global computer network; Computer security services in the nature of providing authentication, issuance, validation and revocation of digital certificates; Computer security services, namely, enforcing, restricting and controlling access privileges of users of computing resources for cloud, mobile or network resources based on assigned credentials; Electronic monitoring of personally identifying information to detect identity theft via the internet; Electronic signature verification services using technology to authenticate user identity; Electronic monitoring of credit card activity to detect fraud via the internet; providing temporary use of online non-downloadable computer software for use in generating cryptographic keys related to cryptocurrency tokens; providing temporary use of online non-downloadable computer software for generating cryptographic keys for sending, receiving, and spending digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; providing temporary use of online non-downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions on a blockchain technology; providing temporary use of online non-downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions using distributed ledger technology; providing temporary use of online non-downloadable computer software for transfers of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens between parties; providing temporary use of online non-downloadable computer software for creating and managing smart contracts; providing temporary use of online non-downloadable computer software for managing, verifying, and validating cryptocurrency transactions using blockchain-based smart contracts; providing temporary use of online non-downloadable computer software for use as a cryptocurrency wallet; providing temporary use of online non-downloadable computer software for use as an electronic wallet; providing temporary use of online non-downloadable computer software for use as an e-wallet; providing temporary use of online non-downloadable computer software for use as a digital currency wallet; providing a website featuring technology that enables users to generate printable cryptocurrency wallets; enabling decentralized cryptocurrency wallet management for others; providing user authentication services using blockchain-based software technology for cryptocurrency transactions; authentication of data in the field of cryptocurrency transactions using blockchain technology; platform as a service (PAAS) featuring software platforms using blockchain and distributed ledger technology for authenticating and processing payments of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; software as a service (SAAS) featuring software platforms using blockchain and distributed ledger technology for authenticating and processing payments of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Downloadable computer software featuring application programming interface (API) software for banking and credit card data that provides software developers with a clean, categorized view of user transactions and account balances; downloadable computer software for developers and merchants to track and manage transactions, customers, and metrics in the fields of business and finance; downloadable computer software to allow users to perform electronic business transactions via a global computer network; electronic software updates, namely, downloadable computer software and associated data files for updating computer software in the fields of business and finance, provided via computer and communication networks; downloadable databases and electronic data sets containing data relating to authenticity and validation of digital certificates; downloadable software for authenticating and validating digital certificates; downloadable databases and electronic data sets in the field of personally identifiable information and personal and business identification verification for fraud prevention for identity verification and authentication; downloadable software for performing identity verification and authentication; downloadable computer communications software to allow customers to access bank account information and transact bank business; downloadable mobile applications for managing bank accounts and money transfers; downloadable computer software in the nature of a mobile application used to generate cryptographic keys related to cryptocurrency tokens; downloadable computer software for generating cryptographic keys for sending, receiving, and spending digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; downloadable computer software in the nature of a mobile application to send, receive, store, and safeguard digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions on a blockchain technology; downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions using distributed ledger technology; downloadable computer software for transfers of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens between parties; downloadable computer software for creating and managing smart contracts; downloadable computer software for managing, verifying, and validating cryptocurrency transactions using blockchain-based smart contracts; downloadable computer software for use as a cryptocurrency wallet; downloadable computer software for use as an electronic wallet; downloadable computer software for use as an e-wallet; downloadable computer software for use as a digital currency wallet; cryptocurrency hardware wallets. Money transfers; electronic transfer of money; merchant services, namely, payment transaction processing services; payment and funds verification services; credit card verification; currency transfer services; financial services, namely, providing for the exchange of foreign currency via the internet and intranet systems; electronic funds transfer; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; providing an on-line computer database in the field of financial transactions; financial analysis, namely, compiling and analyzing statistics, data and other sources of information for financial purposes; financial information and evaluations; financial risk management; financial transaction services, namely, providing secure commercial transactions and payment options; providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; financial planning; financial consulting; financial information; providing financial information; financial information processing; debt management services; debt management consultation; mortgage financing services; mortgage refinancing; mortgage lending consultation services; brokerage services in the field of stocks and commodities; business brokerage services; Investment management; financial management; financial advisory and consultancy services; cryptocurrency payment processing services; cryptocurrency trading services; cryptocurrency exchange services; cryptocurrency exchange services featuring blockchain technology; financial exchange of virtual currency; financial brokerage services for cryptocurrency trading; issuance of tokens of value; cryptocurrency wallet services in the nature of processing electronic wallet payments and storage of cryptocurrencies; financial services relating to electronic wallet services, namely, bill and invoice payments via electronic wallet and storage of cryptocurrencies; financial services relating to electronic wallet services; cryptocurrency payment processing; cryptocurrency payment processing featuring blockchain technology; cryptocurrency payment processing featuring distributed ledger technology; blockchain-based payment verification services; distributed ledger-based payment verification services; processing electronic payments through electronic wallet services; bill payment services via an electronic wallet; digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility token payment processing services for others; digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility token payment processing services through electronic wallet services; digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility token trading services; digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility token processing services for others; Financial management of digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; 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; Financial advisory services in the field of digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; Financial information services related to digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; management of consumer electronic payments. Application service provider featuring application programming interface (API) software for banking and credit card data that provides software developers with a clean, categorized view of user transactions and account balances; providing temporary use of non-downloadable computer software for developer and merchants to track and manage their transactions and metrics in the fields of business and finance; providing temporary use of non-downloadable computer software for allowing users to perform electronic business transactions via a global computer network; electronic data storage; electronic storage of files and documents; providing temporary use of on-line non-downloadable cloud computing software for identifying, classifying, evaluating, and reviewing potentially fraudulent payments; Design and development of computer software for the enablement of accepting purchases from within mobile apps and software that perform other non-purchasing functions; application service provider featuring application programming interface (API) software for enabling a mobile app to accept purchases and payments; Application service provider featuring application programming interface (API) software for integrating business, transactional, financial, and analytics information and functionality into other software and platforms; electronic signature authentication and verification services using technology to authenticate user identity; providing an on-line searchable database and on-line electronic data sets featuring information in the field of digital certificate authentication and validation and providing temporary use of non-downloadable computer software for authenticating and validating digital certificates; providing temporary use of non-downloadable computer software relating to information regarding personal and business identity, namely, software for compiling, analyzing and managing personal and business identity information; providing an on-line searchable database and on-line electronic data sets in the field of fraud prevention for identity verification and authentication, specifically featuring electronically monitored credit card activity data useful in detecting fraud via the Internet, electronic signatures for use in electronic signature verification using technology to authenticate user identity; providing temporary use of non-downloadable computer software for identity verification and authentication; providing temporary use of non-downloadable software for managing bookkeeping, invoicing, accounting and payroll tasks; providing user authentication of electronic funds transfer, credit and debit card and electronic check transactions using API software via a global computer network; Computer security services in the nature of providing authentication, issuance, validation and revocation of digital certificates; Computer security services, namely, enforcing, restricting and controlling access privileges of users of computing resources for cloud, mobile or network resources based on assigned credentials; Electronic monitoring of personally identifying information to detect identity theft via the internet; Electronic signature verification services using technology to authenticate user identity; Electronic monitoring of credit card activity to detect fraud via the internet; providing temporary use of online non-downloadable computer software for use in generating cryptographic keys related to cryptocurrency tokens; providing temporary use of online non-downloadable computer software for generating cryptographic keys for sending, receiving, and spending digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; providing temporary use of online non-downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions on a blockchain technology; providing temporary use of online non-downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions using distributed ledger technology; providing temporary use of online non-downloadable computer software for transfers of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens between parties; providing temporary use of online non-downloadable computer software for creating and managing smart contracts; providing temporary use of online non-downloadable computer software for managing, verifying, and validating cryptocurrency transactions using blockchain-based smart contracts; providing temporary use of online non-downloadable computer software for use as a cryptocurrency wallet; providing temporary use of online non-downloadable computer software for use as an electronic wallet; providing temporary use of online non-downloadable computer software for use as an e-wallet; providing temporary use of online non-downloadable computer software for use as a digital currency wallet; providing a website featuring technology that enables users to generate printable cryptocurrency wallets; providing computer software for enabling decentralized cryptocurrency wallet management for others; providing user authentication services using blockchain-based software technology for cryptocurrency transactions; authentication of data in the field of cryptocurrency transactions using blockchain technology; platform as a service (PAAS) featuring software platforms using blockchain and distributed ledger technology for authenticating and processing payments of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; software as a service (SAAS) featuring software platforms using blockchain and distributed ledger technology for authenticating and processing payments of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens.
40.
Secure permissioning of access to user accounts, including secure distribution of aggregated user account data
A system and method for secure permissioning of access to user accounts, including secure distribution of aggregated user account data can include generating a financial report based on account information associated with one or more user accounts; receiving a financial report request for the financial report of the user account, wherein the financial report request is identified as being received from a third-party system; generating an audit report token associated with the financial report; sharing the audit token with the first third-party system in response to the financial report request; and providing the first third-party system account access to the financial report through the report token, where the audit report token can be shared with a second third-party system and provided by the second third-party system in order to confirm authorization to the report and integrity of the report.
Systems and methods for programmatic access of external financial service systems. An application proxy instance is created that simulates an application of an external financial service system. A normalized account request is received for financial data of the external financial service system for a specified account. The normalized account request is provided by an external financial application system by using a financial data API of the financial platform system. Responsive to the normalized account request, communication is negotiated with the external financial service system by using the application proxy instance to access the requested financial data from the external financial service system by using a proprietary Application Programming Interface (API) of the external financial service system. The financial data is provided to the external financial application system as a response to the normalized account request.
A system and method that includes receiving a client data packet from network traffic with a client device; extracting a set of packet components from the client data packet; generating a client fingerprint from the set of packet components; assigning a client type to the network traffic using the client fingerprint; and optionally filtering the network traffic of the client device based at least in part on the client type.
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
H04L 43/026 - Capturing of monitoring data using flow identification
H04L 43/028 - Capturing of monitoring data by filtering
H04L 9/06 - Arrangements for secret or secure communicationsNetwork security protocols the encryption apparatus using shift registers or memories for blockwise coding, e.g. D.E.S. systems
H04L 43/04 - Processing captured monitoring data, e.g. for logfile generation
43.
DATA ENRICHMENT USING NAME, LOCATION, AND IMAGE LOOKUP
In some implementations, a server may receive, from a user device and at a secure endpoint of an application programming interface, a set of structured data including a plurality of entries. The server may extract, from each entry, a corresponding partial string from a corresponding description string included in the entry, and may determine, for each partial string, a corresponding data structure in a database. The server may generate, for each entry, a standardized name and a location indicator based on the corresponding data structure, and may extract, for each data structure, an image corresponding to the data structure. Accordingly, the server may return, to the user device, a modified set of structured data including, for each entry, the standardized name, the location indicator, and the corresponding image.
In some implementations, a server may receive, from a user device, one or more credentials associated with a data source. Accordingly, the server may receive, from the data source and using the one or more credentials, a set of structured data including a plurality of entries. The server may identify at least one recurring event based on one or more entries in the plurality of entries, and may determine, for the at least one recurring event, one or more derived properties. The server may generate a data structure indicating the at least one recurring event and the one or more derived properties, and may transmit, to the user device, the generated data structure.
In some implementations, an aggregation system may receive, from a user device, a registration message. The aggregation system may receive, from a data source, an initial set of structured data. The aggregation system may receive, from the data source and periodically, updates to the initial set of structured data. The aggregation system may transmit, to the user device and via a webhook activated based on the registration message, an indication of each update. The aggregation system may generate, based on each update, a corresponding differential data structure. The aggregation system may transmit, to the user device, each corresponding differential data structure.
G06F 16/27 - Replication, distribution or synchronisation of data between databases or within a distributed database systemDistributed database system architectures therefor
A system and method for cloud management of user interactions on a client device comprising: initiating, in response to an initiation request of a client application, processing of a workflow configuration with an initial session state, wherein the workflow is a data model of a graph of nodes connected with directed edges, where the nodes include a set of node types that includes at least a pane node; iteratively processing the workflow configuration, initially using the initial session state, and thereby generating rendered panes for use in a user interaction flow of a client application, which comprises: following a next edge of the workflow configuration to determine a next workflow node, processing the next workflow node, which comprises, when the next workflow node is a pane node, rendering the pane node into a rendered pane, and sending the rendered panes to the client device.
G06F 3/00 - Input arrangements for transferring data to be processed into a form capable of being handled by the computerOutput arrangements for transferring data from processing unit to output unit, e.g. interface arrangements
G06F 9/48 - Program initiatingProgram switching, e.g. by interrupt
Systems and methods for programmatic access of external financial service systems. An application proxy instance is created that simulates an application of an external financial service system. A normalized account request is received for financial data of the external financial service system for a specified account. The normalized account request is provided by an external financial application system by using a financial data API of the financial platform system. Responsive to the normalized account request, communication is negotiated with the external financial service system by using the application proxy instance to access the requested financial data from the external financial service system by using a proprietary Application Programming Interface (API) of the external financial service system. The financial data is provided to the external financial application system as a response to the normalized account request.
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Downloadable computer software featuring application programming interface (API) software for banking and credit card data that provides software developers with a clean, categorized view of user transactions and account balances; downloadable computer software for developers and merchants to track and manage transactions, customers, and metrics in the fields of business management and finance; downloadable computer software to allow users to perform electronic business transactions via a global computer network; electronic software updates, namely, downloadable computer software and associated data files being business and financial reports for updating computer software in the fields of business management and finance, provided via computer and communication networks; downloadable databases and electronic data sets containing data relating to authenticity and validation of digital certificates; downloadable software for authenticating and validating digital certificates; downloadable databases and electronic data sets in the field of personally identifiable information and personal and business identification verification for fraud prevention for identity verification and authentication; downloadable software for performing identity verification and authentication; downloadable computer communications software to allow customers to access bank account information and transact bank business; downloadable mobile applications for managing bank accounts and money transfers (1) Money transfers; electronic transfer of money; merchant services, namely, payment transaction processing services; payment and funds verification services; credit card verification; currency transfer services; financial services, namely, providing for the exchange of foreign currency via the internet and intranet systems; electronic funds transfer; providing electronic processing of electronic funds transfer, automated clearing house (ACH), credit card, debit card, electronic check and electronic payments; providing an on-line computer database in the field of financial transactions; financial analysis, namely, compiling and analyzing statistics, data and other sources of information for financial purposes; providing financial information and financial risk evaluations in the fields of financial transactions, financial risk management, fraud detection and prevention and business operation services; financial risk management; clearing and execution of financial transactions, namely, providing secure commercial transactions and payment options; providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; financial planning; financial consulting; providing financial information in the field of financial management and financial planning via a secure information computer network; providing financial management information via a secure information computer network; financial information processing, namely, financial services in the nature of payment processing services; debt management services; debt management consultation; mortgage financing services; mortgage refinancing; mortgage lending consultation services; brokerage services in the field of stocks and commodities; business brokerage services namely, financial advisory services relating to business acquisitions and mergers; Investment management; financial management; financial advisory and consultancy services relating to credit, financial planning and investment management services
(2) Application service provider featuring application programming interface (API) software for banking and credit card data that provides software developers with a clean, categorized view of user transactions and account balances; providing temporary use of non-downloadable computer software for developer and merchants to track and manage their transactions and metrics in the fields of business management and finance; providing temporary use of non-downloadable computer software for allowing users to perform electronic business transactions via a global computer network; electronic data storage for archiving business, corporate, and personal records; electronic storage of files and documents, namely, electronic data storage for archiving business documents, personal documents and corporate documents; providing temporary use of on-line non-downloadable cloud computing software for identifying, classifying, evaluating, and reviewing potentially fraudulent payments; Design and development of computer software for the enablement of accepting purchases from within mobile apps and software that perform other non-purchasing functions; application service provider featuring application programming interface (API) software for enabling a mobile app to accept purchases and payments; Application service provider featuring application programming interface (API) software for integrating business records, financial transactional information, financial information, and financial analytics information and functionality into computer software and computing platforms; electronic signature authentication and verification services using technology to authenticate user identity; providing an on-line searchable database and on-line electronic data sets in the nature of hosting computer databases featuring information in the field of digital certificate authentication and validation and providing temporary use of non-downloadable computer software for authenticating and validating digital certificates; providing temporary use of non-downloadable computer software relating to information regarding personal and business identity, namely, software for compiling, analyzing and managing personal and business identity information; providing an on-line searchable database and on-line electronic data sets in the nature of hosting computer databases in the field of fraud prevention for identity verification and authentication, specifically featuring electronically monitored credit card activity data useful in detecting fraud via the Internet, electronic signatures for use in electronic signature verification using technology to authenticate user identity; providing temporary use of non-downloadable computer software for identity verification and authentication; management of consumer electronic payments namely, providing online non-downloadable software for management of digital payment transactions; providing temporary use of non-downloadable software for managing bookkeeping, invoicing, accounting and payroll tasks; providing user authentication of electronic funds transfer, credit and debit card and electronic check transactions using application programming interface (API) software via a global computer network; Computer security services in the nature of providing authentication, issuance, validation and revocation of digital certificates; Computer security services, namely, enforcing, restricting and controlling access privileges of users of computing resources for cloud, mobile or network resources based on assigned credentials; Electronic monitoring of personally identifying information to detect identity theft via the internet; Electronic signature verification services using technology to authenticate user identity; Electronic monitoring of credit card activity to detect fraud via the internet
49.
System and method for maintaining internet anonymity via client fingerprint
A system and method for altering client fingerprint that includes editing data components of network communication from a client device to a server, which comprises editing network protocol data from the client during negotiation of a cryptographic protocol; selectively enabling access to library components specified in the edited client network protocol data; and sending a client communication to the server using the edited client network protocol data.
In some implementations, a verification system may initiate a state machine associated with a verification for the user, the state machine being associated with a plurality of verification procedures for the user. The verification system may modify a state of the state machine associated with a subsequent procedure of the verification procedures based on an outcome associated with a preceding procedure of the verification procedures. The verification system may determine a final state of the state machine based on an outcome associated with the subsequent procedure of the verification procedures.
In some implementations, a verification device may generate a first set of radio buttons associated with a first verification procedure and provide the first set of radio buttons in an area associated with a verification template. The verification device may receive a selection of a configuration for the first verification procedure using the first set of radio buttons. The verification device may generate a second set of radio buttons associated with a second verification procedure and provide the second set of radio buttons in the area associated with the verification template. The verification device may receive a selection of a configuration for the second verification procedure using the second set of radio buttons. Accordingly, the verification device may generate instructions for generating a set of user interfaces based on the selection of the configuration for the first verification procedure and the selection of the configuration for the second verification procedure.
G06F 3/0482 - Interaction with lists of selectable items, e.g. menus
G06F 3/0481 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
G06F 8/38 - Creation or generation of source code for implementing user interfaces
G06F 9/451 - Execution arrangements for user interfaces
In some implementations, a verification system may receive input from a user associated with an account that already underwent a verification procedure. Accordingly, the verification system may generate at least one graphical user interface associated with a first verification operation, within the verification procedure, that is associated with a failed outcome. The verification system may perform verification of the user based on new input for the first verification operation and old input for one or more additional verification operations within the verification procedure.
In some implementations, a verification system may generate a selector associated with a plurality of countries. The verification system may receive an indication of a selected country from the plurality of countries. Accordingly, the verification system may generate one or more visual regions, where each visual region is associated with a corresponding verification rule and includes at least one pair of visual selectors with a first selector associated with a type of user information and a second selector associated with a type of matching. The verification system may modify the verification rule based on interaction with the at least one pair of visual selectors included in a corresponding visual region of the one or more visual regions.
Systems and techniques are disclosed for accessing accounts associated with a user and estimating a value of an attribute associated with the user based upon the retrieved account information. Transaction data associated with an account at an external user account system is received. The transactions are categorized into transaction groups. For each transaction group, a confidence value that the group is associated with the attribute is estimated, based at least in part upon a distribution of transaction amounts for the transactions of the group over a time period associated with the group. An attribute value is estimated for each group, based at least in part upon the transaction amounts of the transaction of the group. In addition a value of the attribute for a future time period may be predicted based upon the transaction groups.
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Downloadable computer software featuring application programming
interface (API) software for banking and credit card data that
provides software developers with a clean, categorized view of user
transactions and account balances; downloadable computer software
for developers and merchants to track and manage transactions,
customers, and metrics in the fields of business and finance;
downloadable computer software to allow users to perform electronic
business transactions via a global computer network; electronic
software updates, namely, downloadable computer software and
associated data files for updating computer software in the fields of
business and finance, provided via computer and communication
networks; downloadable databases and electronic data sets in the
field of personally identifiable information and personal and business
identification verification for fraud prevention for identity verification
and authentication; downloadable software for performing identity
verification and authentication; downloadable computer
communications software to allow customers to access bank account
information and transact bank business; downloadable mobile
applications for managing bank accounts and money transfers Money transfers; electronic transfer of money; merchant services,
namely, payment transaction processing services; payment and
funds verification services; credit card verification; currency transfer
services; financial services, namely, providing for the exchange of
foreign currency via the internet and intranet systems; electronic
funds transfer; providing electronic processing of electronic funds
transfer, ACH, credit card, debit card, electronic check and electronic
payments; providing an on-line computer database in the field of
financial transactions; financial analysis, namely, compiling and
analyzing statistics, data and other sources of information for
financial purposes; financial information and evaluations; financial
risk management; financial transaction services, namely, providing
secure commercial transactions and payment options; providing
financial risk management services for electronic funds transfer,
credit and debit card and electronic check transactions via a global
computer network; financial planning; financial consulting; financial
information; providing financial information; financial information
processing; debt management services; debt management
consultation; mortgage lending consultation services; brokerage
services in the field of stocks and commodities; business brokerage
services; Investment management; financial management; financial
advisory and consultancy services; financial brokerage services for
cryptocurrency trading; financial services relating to electronic wallet
services, namely, bill and invoice payments via electronic wallet;
financial services relating to electronic wallet services in the nature of
processing of electronic wallet payments; processing electronic
payments through electronic wallet services; bill payment services
via an electronic wallet; financial advisory services in the field of
digital currency, virtual currency, cryptocurrency, digital and
blockchain assets, digitized assets, digital tokens, crypto tokens and
utility tokens; financial information services related to digital currency,
virtual currency, cryptocurrency, digital and blockchain assets,
digitized assets, digital tokens, crypto tokens and utility tokens;
financial management of consumer electronic payments Application service provider featuring application programming
interface (API) software for banking and credit card data that
provides software developers with a clean, categorized view of user
transactions and account balances; providing temporary use of on-line non-downloadable computer software for developer and
merchants to track and manage their transactions and metrics in the
fields of business and finance; providing temporary use of non-downloadable computer software for allowing users to perform
electronic business transactions via a global computer network;
electronic data storage; electronic storage of files and documents;
providing temporary use of on-line non-downloadable cloud
computing software for identifying, classifying, evaluating, and
reviewing potentially fraudulent payments; Design and development
of computer software for the enablement of accepting purchases
from within mobile apps and software that perform other non-purchasing functions; application service provider featuring
application programming interface (API) software for enabling a
mobile app to accept purchases and payments; application service
provider featuring application programming interface (API) software
for integrating business, transactional, financial, and analytics
information and functionality into other software and platforms;
electronic signature authentication and verification services using
technology to authenticate user identity; providing an online
searchable database and on-line electronic data sets featuring
information in the field of digital certificate authentication and
validation and providing temporary use of on-line non-downloadable
computer software for authenticating and validating digital
certificates; providing temporary use of online non-downloadable
computer software relating to information regarding personal and
business identity, namely, software for compiling, analyzing and
managing personal and business identity information; providing an
on-line searchable database and on-line electronic data sets in the
field of fraud prevention for identity verification and authentication,
specifically featuring electronically monitored credit card activity data
useful in detecting fraud via the Internet, electronic signatures for use
in electronic signature verification using technology to authenticate
user identity; providing temporary use of on-line non-downloadable
computer software for identity verification and authentication;
providing temporary use of on-line non-downloadable software for
managing bookkeeping, invoicing, accounting and payroll tasks;
providing user authentication of electronic funds transfer, credit and
debit card and electronic check transactions using API software via a
global computer network; computer security services, namely,
enforcing, restricting and controlling access privileges of users of
computing resources for cloud, mobile or network resources based
on assigned credentials; electronic monitoring of personally
identifying information to detect identity theft via the internet;
electronic signature verification services using technology to
authenticate user identity; electronic monitoring of credit card activity
to detect fraud via the internet; providing temporary use of online
non-downloadable computer software for use as an electronic wallet;
providing temporary use of online non-downloadable computer software for use as an electronic wallet
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Electronic software updates, namely, downloadable computer software and associated data files for updating computer software in the fields of business and finance, provided via computer and communication networks; downloadable databases and electronic data sets containing data relating to authenticity and validation of digital certificates in the fields of business and finance; downloadable software for authenticating and validating digital certificates; downloadable databases and electronic data sets in the field of personally identifiable information and personal and business identification verification for fraud prevention for identity verification and authentication; downloadable software for performing identity verification and authentication; downloadable computer software in the nature of a mobile application used to generate cryptographic keys related to cryptocurrency tokens; downloadable computer software for generating cryptographic keys for sending, receiving, and spending digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; downloadable computer software for creating and managing smart contracts; downloadable computer software for managing, verifying, and validating cryptocurrency transactions using blockchain-based smart contracts; downloadable computer software for use as a cryptocurrency wallet; downloadable computer software for use as an electronic wallet; downloadable computer software for use as an e-wallet; downloadable computer software for use as a digital currency wallet; cryptocurrency hardware wallets. Payment and funds verification services; credit card verification; financial information and evaluations; financial risk management; providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; financial planning; financial consulting; debt management services; debt management consultation; mortgage financing services; mortgage refinancing; mortgage lending consultation services; brokerage services in the field of stocks and commodities; investment management; financial management; financial advisory and consultancy services; cryptocurrency services; cryptocurrency trading services; cryptocurrency exchange services; cryptocurrency exchange services featuring blockchain technology; financial exchange of virtual currency; financial brokerage services for cryptocurrency trading; issuance of tokens of value; cryptocurrency wallet services; financial services relating to electronic wallet services; blockchain-based payment verification services; distributed ledger-based payment verification services; digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility token trading services; financial management of digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; 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; Financial advisory services in the field of digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens. Providing temporary use of on-line non-downloadable cloud computing software for identifying, classifying, evaluating, and reviewing potentially fraudulent payments; Design and development of computer software for the enablement of accepting purchases from within mobile apps and software that perform other non-purchasing functions; application service provider featuring application programming interface (API) software for enabling a mobile app to accept purchases and payments; electronic signature authentication and verification services using technology to authenticate user identity; providing an on-line searchable database and on-line electronic data sets featuring information in the field of digital certificate authentication and validation and providing temporary use of non-downloadable computer software for authenticating and validating digital certificates; providing temporary use of non-downloadable computer software relating to information regarding personal and business identity, namely, software for compiling, analyzing and managing personal and business identity information; providing an on-line searchable database and on-line electronic data sets in the field of fraud prevention for identity verification and authentication, specifically featuring electronically monitored credit card activity data useful in detecting fraud via the Internet, electronic signatures for use in electronic signature verification using technology to authenticate user identity; providing temporary use of non-downloadable computer software for identity verification and authentication; providing user authentication of electronic funds transfer, credit and debit card and electronic check transactions using API software via a global computer network; Computer security services in the nature of providing authentication, issuance, validation and revocation of digital certificates; Computer security services, namely, enforcing, restricting and controlling access privileges of users of computing resources for cloud, mobile or network resources based on assigned credentials; Electronic monitoring of personally identifying information to detect identity theft via the internet; Electronic signature verification services using technology to authenticate user identity; Electronic monitoring of credit card activity to detect fraud via the internet; providing temporary use of online non-downloadable computer software for use in generating cryptographic keys related to cryptocurrency tokens; providing temporary use of online non-downloadable computer software for generating cryptographic keys for sending, receiving, and spending digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; providing temporary use of online non-downloadable computer software for creating and managing smart contracts; providing temporary use of online non-downloadable computer software for managing, verifying, and validating cryptocurrency transactions using blockchain-based smart contracts; providing temporary use of online non-downloadable computer software for use as a cryptocurrency wallet; providing temporary use of online non-downloadable computer software for use as an electronic wallet; providing temporary use of online non-downloadable computer software for use as an e-wallet; providing temporary use of online non-downloadable computer software for use as a digital currency wallet; providing a website featuring technology that enables users to generate printable cryptocurrency wallets; IT service management, namely, enabling decentralised crypto currency wallet management for others; providing user authentication services using blockchain-based software technology for cryptocurrency transactions; authentication of data in the field of cryptocurrency transactions using blockchain technology.
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Electronic software updates, namely, downloadable computer software and associated data files for updating computer software in the fields of business and finance, provided via computer and communication networks; downloadable databases and electronic data sets containing data relating to authenticity and validation of digital certificates in the fields of business and finance; downloadable software for authenticating and validating digital certificates; downloadable databases and electronic data sets in the field of personally identifiable information and personal and business identification verification for fraud prevention for identity verification and authentication; downloadable software for performing identity verification and authentication; downloadable computer software in the nature of a mobile application used to generate cryptographic keys related to cryptocurrency tokens; downloadable computer software for generating cryptographic keys for sending, receiving, and spending digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; downloadable computer software for creating and managing smart contracts; downloadable computer software for managing, verifying, and validating cryptocurrency transactions using blockchain-based smart contracts; downloadable computer software for use as a cryptocurrency wallet; downloadable computer software for use as an electronic wallet; downloadable computer software for use as an e-wallet; downloadable computer software for use as a digital currency wallet; cryptocurrency hardware wallets. Payment and funds verification services; credit card verification; financial information and evaluations; financial risk management; providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; financial planning; financial consulting; debt management services; debt management consultation; mortgage financing services; mortgage refinancing; mortgage lending consultation services; brokerage services in the field of stocks and commodities; investment management; financial management; financial advisory and consultancy services; cryptocurrency services; cryptocurrency trading services; cryptocurrency exchange services; cryptocurrency exchange services featuring blockchain technology; financial exchange of virtual currency; financial brokerage services for cryptocurrency trading; issuance of tokens of value; cryptocurrency wallet services; financial services relating to electronic wallet services; blockchain-based payment verification services; distributed ledger-based payment verification services; digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility token trading services; financial management of digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; 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; Financial advisory services in the field of digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens. Providing temporary use of on-line non-downloadable cloud computing software for identifying, classifying, evaluating, and reviewing potentially fraudulent payments; Design and development of computer software for the enablement of accepting purchases from within mobile apps and software that perform other non-purchasing functions; application service provider featuring application programming interface (API) software for enabling a mobile app to accept purchases and payments; electronic signature authentication and verification services using technology to authenticate user identity; providing an on-line searchable database and on-line electronic data sets featuring information in the field of digital certificate authentication and validation and providing temporary use of non-downloadable computer software for authenticating and validating digital certificates; providing temporary use of non-downloadable computer software relating to information regarding personal and business identity, namely, software for compiling, analyzing and managing personal and business identity information; providing an on-line searchable database and on-line electronic data sets in the field of fraud prevention for identity verification and authentication, specifically featuring electronically monitored credit card activity data useful in detecting fraud via the Internet, electronic signatures for use in electronic signature verification using technology to authenticate user identity; providing temporary use of non-downloadable computer software for identity verification and authentication; providing user authentication of electronic funds transfer, credit and debit card and electronic check transactions using API software via a global computer network; Computer security services in the nature of providing authentication, issuance, validation and revocation of digital certificates; Computer security services, namely, enforcing, restricting and controlling access privileges of users of computing resources for cloud, mobile or network resources based on assigned credentials; Electronic monitoring of personally identifying information to detect identity theft via the internet; Electronic signature verification services using technology to authenticate user identity; Electronic monitoring of credit card activity to detect fraud via the internet; providing temporary use of online non-downloadable computer software for use in generating cryptographic keys related to cryptocurrency tokens; providing temporary use of online non-downloadable computer software for generating cryptographic keys for sending, receiving, and spending digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; providing temporary use of online non-downloadable computer software for creating and managing smart contracts; providing temporary use of online non-downloadable computer software for managing, verifying, and validating cryptocurrency transactions using blockchain-based smart contracts; providing temporary use of online non-downloadable computer software for use as a cryptocurrency wallet; providing temporary use of online non-downloadable computer software for use as an electronic wallet; providing temporary use of online non-downloadable computer software for use as an e-wallet; providing temporary use of online non-downloadable computer software for use as a digital currency wallet; providing a website featuring technology that enables users to generate printable cryptocurrency wallets; IT service management, namely, enabling decentralised crypto currency wallet management for others; providing user authentication services using blockchain-based software technology for cryptocurrency transactions; authentication of data in the field of cryptocurrency transactions using blockchain technology.
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
electronic software updates, namely, downloadable computer software and associated data files for updating computer software
in the fields of business and finance, provided via computer and communication networks; downloadable databases and
electronic data sets containing data relating to authenticity and validation of digital certificates; downloadable software for
authenticating and validating digital certificates; downloadable databases and electronic data sets in the field of personally
identifiable information and personal and business identification verification for fraud prevention for identity verification and
authentication; downloadable software for performing identity verification and authentication payment and funds verification services; credit card verification; financial information and evaluations; financial risk management;
providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions
via a global computer network; financial planning; financial consulting; debt management services; debt management
consultation; mortgage financing services; mortgage refinancing; mortgage lending consultation services; brokerage services in
the field of stocks and commodities; business brokerage services; Investment management; financial management; debt
management services; financial advisory and consultancy services providing temporary use of on-line non-downloadable cloud computing software for identifying, classifying, evaluating, and
reviewing potentially fraudulent payments; Design and development of computer software for the enablement of accepting
purchases from within mobile apps and software that perform other non-purchasing functions; application service provider
featuring application programming interface (API) software for enabling a mobile app to accept purchases and payments;
electronic signature authentication and verification services using technology to authenticate user identity; providing an on-line
searchable database and on-line electronic data sets featuring information in the field of digital certificate authentication and
validation and providing temporary use of non-downloadable computer software for authenticating and validating digital
certificates; providing temporary use of non-downloadable computer software relating to information regarding personal and
business identity, namely, software for compiling, analyzing and managing personal and business identity information; providing
an on-line searchable database and on-line electronic data sets in the field of fraud prevention for identity verification and
authentication, specifically featuring electronically monitored credit card activity data useful in detecting fraud via the Internet,
electronic signatures for use in electronic signature verification using technology to authenticate user identity; providing temporary
use of non-downloadable computer software for identity verification and authentication; providing user authentication of electronic
funds transfer, credit and debit card and electronic check transactions using API software via a global computer network;
Computer security services in the nature of providing authentication, issuance, validation and revocation of digital certificates;
Computer security services, namely, enforcing, restricting and controlling access privileges of users of computing resources for
cloud, mobile or network resources based on assigned credentials; Electronic monitoring of personally identifying information to
detect identity theft via the internet; Electronic signature verification services using technology to authenticate user identity;
Electronic monitoring of credit card activity to detect fraud via the internet
09 - Scientific and electric apparatus and instruments
42 - Scientific, technological and industrial services, research and design
Goods & Services
Electronic software updates, namely, downloadable computer software and associated data files for updating computer software in the fields of business and finance, provided via computer and communication networks; downloadable databases and electronic data sets containing data relating to authenticity and validation of digital certificates; downloadable software for authenticating and validating digital certificates; downloadable databases and electronic data sets in the field of personally identifiable information and personal and business identification verification for fraud prevention for identity verification and authentication; downloadable software for performing identity verification and authentication Providing temporary use of on-line non-downloadable cloud computing software for identifying, classifying, evaluating, and reviewing potentially fraudulent payments; Design and development of computer software for the enablement of accepting purchases from within mobile apps and software that perform other non-purchasing functions; application service provider featuring application programming interface (API) software for enabling a mobile app to accept purchases and payments; electronic signature authentication and verification services using technology to authenticate user identity; providing an on-line searchable database and on-line electronic data sets featuring information in the field of digital certificate authentication and validation and providing temporary use of non-downloadable computer software for authenticating and validating digital certificates; providing temporary use of non-downloadable computer software relating to information regarding personal and business identity, namely, software for compiling, analyzing and managing personal and business identity information; providing an on-line searchable database and on-line electronic data sets in the field of fraud prevention for identity verification and authentication, specifically featuring electronically monitored credit card activity data useful in detecting fraud via the Internet, electronic signatures for use in electronic signature verification using technology to authenticate user identity; providing temporary use of non-downloadable computer software for identity verification and authentication; Application service provider featuring application programming interface (API) software for providing user authentication of electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; Computer security services in the nature of providing authentication, issuance, validation and revocation of digital certificates; Computer security services, namely, enforcing, restricting and controlling access privileges of users of computing resources for cloud, mobile or network resources based on assigned credentials; Electronic monitoring of personally identifying information to detect identity theft via the internet; Electronic signature verification services using technology to authenticate user identity; Electronic monitoring of credit card activity to detect fraud via the internet
A system and method for verifying account ownership using verified deposits. An ACH verification platform may recognize or detect a verification process involving micro deposits. A verification platform may receive and store user login, initiate the deposits, and monitor the user's account to verify that posting of the deposits was successful. In embodiments, a dedicated web form or portal may be provided for receiving verification information.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Downloadable computer software in the nature of a mobile application used to generate cryptographic keys for use in the encryption and decryption of cryptocurrency tokens; downloadable computer software for generating cryptographic keys for sending, receiving, and spending digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; downloadable computer software in the nature of a mobile application to send, receive, store, and safeguard digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions on a blockchain technology; downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions using distributed ledger technology; downloadable computer software for transfers of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens between parties; downloadable computer software for creating and managing smart contracts; downloadable computer software for managing, verifying, and validating cryptocurrency transactions using blockchain-based smart contracts; downloadable computer software for use as a cryptocurrency wallet; downloadable computer software for use as an electronic wallet; downloadable computer software for use as an e-wallet; downloadable computer software for use as a digital currency wallet; cryptocurrency hardware wallets (1) Cryptocurrency payment processing services; cryptocurrency trading services; cryptocurrency exchange services; cryptocurrency exchange services featuring blockchain technology; financial exchange of virtual currency; financial brokerage services for cryptocurrency trading; issuance of tokens of value; cryptocurrency wallet services in the nature of processing electronic wallet payments; financial services relating to electronic wallet services namely, bill and invoice payments via electronic wallet and storage of cryptocurrencies; financial services relating to electronic wallet services; cryptocurrency payment processing; cryptocurrency payment processing featuring blockchain technology; cryptocurrency payment processing featuring distributed ledger technology; blockchain-based payment verification services; distributed ledger-based payment verification services; processing electronic payments through electronic wallet services; bill payment services via an electronic wallet; digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility token payment processing services for others; digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility token payment processing services through electronic wallet services; digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility token trading services; digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility token processing services for others; financial management in the field of digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; 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; financial advisory services in the field of digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; financial information services related to digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens
(2) Providing temporary use of online non-downloadable computer software for use in generating cryptographic keys for use in the encryption and decryption of cryptocurrency tokens; providing temporary use of online non-downloadable computer software for generating cryptographic keys for sending, receiving, and spending digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; providing temporary use of online non-downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions on a blockchain technology; providing temporary use of online non-downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions using distributed ledger technology; providing temporary use of online non-downloadable computer software for transfers of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens between parties; providing temporary use of online non-downloadable computer software for creating and managing smart contracts; providing temporary use of online non-downloadable computer software for managing, verifying, and validating cryptocurrency transactions using blockchain-based smart contracts; providing temporary use of online non-downloadable computer software for use as a cryptocurrency wallet; providing temporary use of online non-downloadable computer software for use as an electronic wallet; providing temporary use of online non-downloadable computer software for use as an e-wallet; providing temporary use of online non-downloadable computer software for use as a digital currency wallet; providing a website featuring technology that enables users to generate printable cryptocurrency wallets; maintenance of computer software for enabling decentralized cryptocurrency wallet management for others; providing user authentication services using blockchain-based software technology for cryptocurrency transactions; authentication of data in the field of cryptocurrency transactions using blockchain technology; platform as a service (PAAS) featuring software platforms using blockchain and distributed ledger technology for authenticating and processing payments of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; software as a service (SAAS) featuring software platforms using blockchain and distributed ledger technology for authenticating and processing payments of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; cryptocurrency wallet services in the nature of electronic storage of cryptocurrencies for others
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Downloadable computer software featuring application programming interface (API) software for banking and credit card data that provides software developers with a clean, categorized view of user transactions and account balances; downloadable computer software for developers and merchants to track and manage transactions, customers, and metrics in the fields of business and finance; downloadable computer software to allow users to perform electronic business transactions via a global computer network; electronic software updates, namely, downloadable computer software and associated data files for updating computer software in the fields of business and finance, provided via computer and communication networks; downloadable databases and electronic data sets containing data relating to authenticity and validation of digital certificates in the fields of business and finance; downloadable software for authenticating and validating digital certificates; downloadable databases and electronic data sets in the field of personally identifiable information and personal and business identification verification for fraud prevention for identity verification and authentication; downloadable software for performing identity verification and authentication; downloadable computer communications software to allow customers to access bank account information and transact bank business; downloadable mobile applications for managing bank accounts and money transfers; downloadable computer software in the nature of a mobile application used to generate cryptographic keys related to cryptocurrency tokens; downloadable computer software for generating cryptographic keys for sending, receiving, and spending digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; downloadable computer software in the nature of a mobile application to send, receive, store, and safeguard digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions on a blockchain technology; downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions using distributed ledger technology; downloadable computer software for transfers of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens between parties; downloadable computer software for creating and managing smart contracts; downloadable computer software for managing, verifying, and validating cryptocurrency transactions using blockchain-based smart contracts; downloadable computer software for use as a cryptocurrency wallet; downloadable computer software for use as an electronic wallet; downloadable computer software for use as an e-wallet; downloadable computer software for use as a digital currency wallet; cryptocurrency hardware wallets. Money transfers; electronic transfer of money; merchant services, namely, payment transaction processing services; payment and funds verification services; credit card verification; currency transfer services; financial services, namely, providing for the exchange of foreign currency via the internet and intranet systems; electronic funds transfer; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; providing an on-line computer database in the field of financial payment processing transactions; financial analysis, namely, compiling and analyzing statistics, data and other sources of information for financial purposes; financial information and evaluations; financial risk management; financial transaction services, namely, providing secure commercial transactions and payment options; providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; financial planning; financial consulting; financial information; providing financial information; financial information processing; debt management services; debt management consultation; mortgage financing services; mortgage refinancing; mortgage lending consultation services; brokerage services in the field of stocks and commodities; investment management; financial management; financial advisory and consultancy services; cryptocurrency services; cryptocurrency trading services; cryptocurrency exchange services; cryptocurrency exchange services featuring blockchain technology; financial exchange of virtual currency; financial brokerage services for cryptocurrency trading; issuance of tokens of value; cryptocurrency wallet services in the nature of processing electronic wallet payments and storage of cryptocurrencies; financial services relating to electronic wallet services namely, bill and invoice payments via electronic wallet and storage of cryptocurrencies; cryptocurrency wallet services; financial services relating to electronic wallet services; cryptocurrency payment processing; cryptocurrency payment processing featuring blockchain technology; cryptocurrency payment processing featuring distributed ledger technology; blockchain-based payment verification services; distributed ledger-based payment verification services; processing electronic payments through electronic wallet services; bill payment services via an electronic wallet; digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility token payment processing services; digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility token payment processing services through electronic wallet services; digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility token trading services; digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token asset, crypto token asset and utility token asset processing services for others; financial management of digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; 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; Financial advisory services in the field of digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; Financial information services related to digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; management of consumer electronic payments. Application service provider featuring application programming interface (API) software for banking and credit card data that provides software developers with a clean, categorized view of user transactions and account balances; providing temporary use of non-downloadable computer software for developer and merchants to track and manage their transactions and metrics in the fields of business and finance; providing temporary use of non-downloadable computer software for allowing users to perform electronic business transactions via a global computer network; electronic data storage; electronic storage of files and documents; providing temporary use of on-line non-downloadable cloud computing software for identifying, classifying, evaluating, and reviewing potentially fraudulent payments; Design and development of computer software for the enablement of accepting purchases from within mobile apps and software that perform other non-purchasing functions; application service provider featuring application programming interface (API) software for enabling a mobile app to accept purchases and payments; Application service provider featuring application programming interface (API) software for integrating business, transactional, financial, and analytics information and functionality into other software and platforms; electronic signature authentication and verification services using technology to authenticate user identity; providing an on-line searchable database and on-line electronic data sets featuring information in the field of digital certificate authentication and validation and providing temporary use of non-downloadable computer software for authenticating and validating digital certificates; providing temporary use of non-downloadable computer software relating to information regarding personal and business identity, namely, software for compiling, analyzing and managing personal and business identity information; providing an on-line searchable database and on-line electronic data sets in the field of fraud prevention for identity verification and authentication, specifically featuring electronically monitored credit card activity data useful in detecting fraud via the Internet, electronic signatures for use in electronic signature verification using technology to authenticate user identity; providing temporary use of non-downloadable computer software for identity verification and authentication; providing temporary use of non-downloadable software for managing bookkeeping, invoicing, accounting and payroll tasks; providing user authentication of electronic funds transfer, credit and debit card and electronic check transactions using API software via a global computer network; Computer security services in the nature of providing authentication, issuance, validation and revocation of digital certificates; Computer security services, namely, enforcing, restricting and controlling access privileges of users of computing resources for cloud, mobile or network resources based on assigned credentials; Electronic monitoring of personally identifying information to detect identity theft via the internet; Electronic signature verification services using technology to authenticate user identity; Electronic monitoring of credit card activity to detect fraud via the internet; providing temporary use of online non-downloadable computer software for use in generating cryptographic keys related to cryptocurrency tokens; providing temporary use of online non-downloadable computer software for generating cryptographic keys for sending, receiving, and spending digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; providing temporary use of online non-downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions on a blockchain technology; providing temporary use of online non-downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions using distributed ledger technology; providing temporary use of online non-downloadable computer software for transfers of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens between parties; providing temporary use of online non-downloadable computer software for creating and managing smart contracts; providing temporary use of online non-downloadable computer software for managing, verifying, and validating cryptocurrency transactions using blockchain-based smart contracts; providing temporary use of online non-downloadable computer software for use as a cryptocurrency wallet; providing temporary use of online non-downloadable computer software for use as an electronic wallet; providing temporary use of online non-downloadable computer software for use as an e-wallet; providing temporary use of online non-downloadable computer software for use as a digital currency wallet; providing a website featuring technology that enables users to generate printable cryptocurrency wallets; IT service management, namely, enabling decentralized cryptocurrency wallet management for others; providing user authentication services using blockchain-based software technology for cryptocurrency transactions; authentication of data in the field of cryptocurrency transactions using blockchain technology; platform as a service (PAAS) featuring software platforms using blockchain and distributed ledger technology for authenticating and processing payments of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; software as a service (SAAS) featuring software platforms using blockchain and distributed ledger technology for authenticating and processing payments of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens.
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
downloadable computer software in the nature of a mobile application used to generate cryptographic keys related to cryptocurrency tokens; downloadable computer software for generating cryptographic keys for sending, receiving, and spending digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; downloadable computer software in the nature of a mobile application to send, receive, store, and safeguard digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions on a blockchain technology; downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions using distributed ledger technology; downloadable computer software for transfers of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens between parties; downloadable computer software for creating and managing smart contracts; downloadable computer software for managing, verifying, and validating cryptocurrency transactions using blockchain-based smart contracts; downloadable computer software for use as a cryptocurrency wallet; downloadable computer software for use as an electronic wallet; downloadable computer software for use as an e-wallet; downloadable computer software for use as a digital currency wallet; cryptocurrency hardware wallets. cryptocurrency payment processing services; cryptocurrency trading services; cryptocurrency exchange services; cryptocurrency exchange services featuring blockchain technology; financial exchange of virtual currency; financial brokerage services for cryptocurrency trading; issuance of tokens of value; cryptocurrency wallet services in the nature of processing electronic wallet payments and storage of cryptocurrencies; financial services relating to electronic wallet services namely, bill and invoice payments via electronic wallet and storage of cryptocurrencies; financial services relating to electronic wallet services; cryptocurrency payment processing; cryptocurrency payment processing featuring blockchain technology; cryptocurrency payment processing featuring distributed ledger technology; blockchain-based payment verification services; distributed ledger-based payment verification services; processing electronic payments through electronic wallet services; bill payment services via an electronic wallet; digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility token payment processing services for others; digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility token payment processing services through electronic wallet services; digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility token trading services; digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token asset, crypto token asset and utility token asset processing services for others; financial management of digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; 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; Financial advisory services in the field of digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; Financial information services related to digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens. providing temporary use of online non-downloadable computer software for use in generating cryptographic keys related to cryptocurrency tokens; providing temporary use of online non-downloadable computer software for generating cryptographic keys for sending, receiving, and spending digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; providing temporary use of online non-downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions on a blockchain technology; providing temporary use of online non-downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions using distributed ledger technology; providing temporary use of online non-downloadable computer software for transfers of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens between parties; providing temporary use of online non-downloadable computer software for creating and managing smart contracts; providing temporary use of online non-downloadable computer software for managing, verifying, and validating cryptocurrency transactions using blockchain-based smart contracts; providing temporary use of online non-downloadable computer software for use as a cryptocurrency wallet; providing temporary use of online non-downloadable computer software for use as an electronic wallet; providing temporary use of online non-downloadable computer software for use as an e-wallet; providing temporary use of online non-downloadable computer software for use as a digital currency wallet; providing a website featuring technology that enables users to generate printable cryptocurrency wallets; IT service management, namely, enabling decentralized cryptocurrency wallet management for others; providing user authentication services using blockchain-based software technology for cryptocurrency transactions; authentication of data in the field of cryptocurrency transactions using blockchain technology; platform as a service (PAAS) featuring software platforms using blockchain and distributed ledger technology for authenticating and processing payments of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; software as a service (SAAS) featuring software platforms using blockchain and distributed ledger technology for authenticating and processing payments of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens.
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Downloadable computer software featuring application programming interface (API) software for banking and credit card data that provides software developers with a clean, categorized view of user transactions and account balances; downloadable computer software for developers and merchants to track and manage transactions, customers, and metrics in the fields of business and finance; downloadable computer software to allow users to perform electronic business transactions via a global computer network; electronic software updates, namely, downloadable computer software and associated data files for updating computer software in the fields of business and finance, provided via computer and communication networks; downloadable databases and electronic data sets containing data relating to authenticity and validation of digital certificates in the fields of business and finance; downloadable software for authenticating and validating digital certificates; downloadable databases and electronic data sets in the field of personally identifiable information and personal and business identification verification for fraud prevention for identity verification and authentication; downloadable software for performing identity verification and authentication; downloadable computer communications software to allow customers to access bank account information and transact bank business; downloadable mobile applications for managing bank accounts and money transfers; downloadable computer software in the nature of a mobile application used to generate cryptographic keys related to cryptocurrency tokens; downloadable computer software for generating cryptographic keys for sending, receiving, and spending digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; downloadable computer software in the nature of a mobile application to send, receive, store, and safeguard digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions on a blockchain technology; downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions using distributed ledger technology; downloadable computer software for transfers of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens between parties; downloadable computer software for creating and managing smart contracts; downloadable computer software for managing, verifying, and validating cryptocurrency transactions using blockchain-based smart contracts; downloadable computer software for use as a cryptocurrency wallet; downloadable computer software for use as an electronic wallet; downloadable computer software for use as an e-wallet; downloadable computer software for use as a digital currency wallet; cryptocurrency hardware wallets. Money transfers; electronic transfer of money; merchant services, namely, payment transaction processing services; payment and funds verification services; credit card verification; currency transfer services; financial services, namely, providing for the exchange of foreign currency via the internet and intranet systems; electronic funds transfer; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; providing an on-line computer database in the field of financial payment processing transactions; financial analysis, namely, compiling and analyzing statistics, data and other sources of information for financial purposes; financial information and evaluations; financial risk management; financial transaction services, namely, providing secure commercial transactions and payment options; providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; financial planning; financial consulting; financial information; providing financial information; financial information processing; debt management services; debt management consultation; mortgage financing services; mortgage refinancing; mortgage lending consultation services; brokerage services in the field of stocks and commodities; investment management; financial management; financial advisory and consultancy services; cryptocurrency services; cryptocurrency trading services; cryptocurrency exchange services; cryptocurrency exchange services featuring blockchain technology; financial exchange of virtual currency; financial brokerage services for cryptocurrency trading; issuance of tokens of value; cryptocurrency wallet services in the nature of processing electronic wallet payments and storage of cryptocurrencies; financial services relating to electronic wallet services namely, bill and invoice payments via electronic wallet and storage of cryptocurrencies; cryptocurrency wallet services; financial services relating to electronic wallet services; cryptocurrency payment processing; cryptocurrency payment processing featuring blockchain technology; cryptocurrency payment processing featuring distributed ledger technology; blockchain-based payment verification services; distributed ledger-based payment verification services; processing electronic payments through electronic wallet services; bill payment services via an electronic wallet; digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility token payment processing services; digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility token payment processing services through electronic wallet services; digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility token trading services; digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token asset, crypto token asset and utility token asset processing services for others; financial management of digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; 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; Financial advisory services in the field of digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; Financial information services related to digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; management of consumer electronic payments. Application service provider featuring application programming interface (API) software for banking and credit card data that provides software developers with a clean, categorized view of user transactions and account balances; providing temporary use of non-downloadable computer software for developer and merchants to track and manage their transactions and metrics in the fields of business and finance; providing temporary use of non-downloadable computer software for allowing users to perform electronic business transactions via a global computer network; electronic data storage; electronic storage of files and documents; providing temporary use of on-line non-downloadable cloud computing software for identifying, classifying, evaluating, and reviewing potentially fraudulent payments; Design and development of computer software for the enablement of accepting purchases from within mobile apps and software that perform other non-purchasing functions; application service provider featuring application programming interface (API) software for enabling a mobile app to accept purchases and payments; Application service provider featuring application programming interface (API) software for integrating business, transactional, financial, and analytics information and functionality into other software and platforms; electronic signature authentication and verification services using technology to authenticate user identity; providing an on-line searchable database and on-line electronic data sets featuring information in the field of digital certificate authentication and validation and providing temporary use of non-downloadable computer software for authenticating and validating digital certificates; providing temporary use of non-downloadable computer software relating to information regarding personal and business identity, namely, software for compiling, analyzing and managing personal and business identity information; providing an on-line searchable database and on-line electronic data sets in the field of fraud prevention for identity verification and authentication, specifically featuring electronically monitored credit card activity data useful in detecting fraud via the Internet, electronic signatures for use in electronic signature verification using technology to authenticate user identity; providing temporary use of non-downloadable computer software for identity verification and authentication; providing temporary use of non-downloadable software for managing bookkeeping, invoicing, accounting and payroll tasks; providing user authentication of electronic funds transfer, credit and debit card and electronic check transactions using API software via a global computer network; Computer security services in the nature of providing authentication, issuance, validation and revocation of digital certificates; Computer security services, namely, enforcing, restricting and controlling access privileges of users of computing resources for cloud, mobile or network resources based on assigned credentials; Electronic monitoring of personally identifying information to detect identity theft via the internet; Electronic signature verification services using technology to authenticate user identity; Electronic monitoring of credit card activity to detect fraud via the internet; providing temporary use of online non-downloadable computer software for use in generating cryptographic keys related to cryptocurrency tokens; providing temporary use of online non-downloadable computer software for generating cryptographic keys for sending, receiving, and spending digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; providing temporary use of online non-downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions on a blockchain technology; providing temporary use of online non-downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions using distributed ledger technology; providing temporary use of online non-downloadable computer software for transfers of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens between parties; providing temporary use of online non-downloadable computer software for creating and managing smart contracts; providing temporary use of online non-downloadable computer software for managing, verifying, and validating cryptocurrency transactions using blockchain-based smart contracts; providing temporary use of online non-downloadable computer software for use as a cryptocurrency wallet; providing temporary use of online non-downloadable computer software for use as an electronic wallet; providing temporary use of online non-downloadable computer software for use as an e-wallet; providing temporary use of online non-downloadable computer software for use as a digital currency wallet; providing a website featuring technology that enables users to generate printable cryptocurrency wallets; IT service management, namely, enabling decentralised crypto currency wallet management for others; providing user authentication services using blockchain-based software technology for cryptocurrency transactions; authentication of data in the field of cryptocurrency transactions using blockchain technology; platform as a service (PAAS) featuring software platforms using blockchain and distributed ledger technology for authenticating and processing payments of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; software as a service (SAAS) featuring software platforms using blockchain and distributed ledger technology for authenticating and processing payments of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens.
65.
Secure permissioning of access to user accounts, including secure deauthorization of access to user accounts
A permissions management system is disclosed for enabling a user to securely authorize a third-party system to access user account data and initiate transactions related to a user account, without disclosing to the third-party system account credentials. The system enables the user to also securely de-authorize the third-party system. For example, records may be automatically generated that securely store account information, including one or more permissions related to the account and/or the third-party. A token associated with a record may be shared with the third-party system, but neither the record itself, nor the user account credentials, may be shared with the third-party. Accordingly, the third-party may request user account data and/or initiate transactions by providing the token, but does not itself know, e.g., the user account credentials. Further, the user may set various permissions related to the token, and may also revoke the token (e.g., de-authorize the third-party), thus providing increased security to the user's account.
H04L 29/06 - Communication control; Communication processing characterised by a protocol
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
A permissions management system is disclosed for enabling a user to securely authorize a third-party system to access user account data and initiate transactions related to a user account, without disclosing to the third-party system account credentials. The system enables the user to also securely de-authorize the third-party system. For example, records may be automatically generated that securely store account information, including one or more permissions related to the account and/or the third-party. A token associated with a record may be shared with the third-party system, but neither the record itself, nor the user account credentials, may be shared with the third-party. Accordingly, the third-party may request user account data and/or initiate transactions by providing the token, but does not itself know, e.g., the user account credentials. Further, the user may set various permissions related to the token, and may also revoke the token (e.g., de-authorize the third-party), thus providing increased security to the user's account.
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Downloadable computer software featuring application programming interface (API) software for banking and credit card data that provides software developers with a clean, categorized view of user transactions and account balances; downloadable computer software for developers and merchants to track and manage transactions, customers, and metrics in the fields of business and finance; downloadable computer software to allow users to perform electronic business transactions via a global computer network; electronic software updates, namely, downloadable computer software and associated data files for updating computer software in the fields of business and finance, provided via computer and communication networks; downloadable databases and electronic data sets containing data relating to authenticity and validation of digital certificates in the fields of business and finance; downloadable software for authenticating and validating digital certificates; downloadable databases and electronic data sets in the field of personally identifiable information and personal and business identification verification for fraud prevention for identity verification and authentication; downloadable software for performing identity verification and authentication; downloadable computer communications software to allow customers to access bank account information and transact bank business; downloadable mobile applications for managing bank accounts and money transfers; downloadable computer software in the nature of a mobile application used to generate cryptographic keys related to cryptocurrency tokens; downloadable computer software for generating cryptographic keys for sending, receiving, and spending digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; downloadable computer software in the nature of a mobile application to send, receive, store, and safeguard digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions on a blockchain technology; downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions using distributed ledger technology; downloadable computer software for transfers of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens between parties; downloadable computer software for creating and managing smart contracts; downloadable computer software for managing, verifying, and validating cryptocurrency transactions using blockchain-based smart contracts; downloadable computer software for use as a cryptocurrency wallet; downloadable computer software for use as an electronic wallet; downloadable computer software for use as a digital currency wallet; cryptocurrency hardware wallets cryptocurrency payment processing services; cryptocurrency trading services; cryptocurrency exchange services; cryptocurrency exchange services featuring blockchain technology; financial exchange of virtual currency; financial brokerage services for cryptocurrency trading; issuance of tokens of value; cryptocurrency wallet services in the nature of processing electronic wallet payments and storage of cryptocurrencies; financial services relating to electronic wallet services namely processing of electronic wallet payments, bill and invoice payments via electronic wallet and storage of cryptocurrencies; financial services relating to electronic wallet services; cryptocurrency payment processing; cryptocurrency payment processing featuring blockchain technology; cryptocurrency payment processing featuring distributed ledger technology; blockchain-based payment verification services; distributed ledger-based payment verification services; processing electronic payments through electronic wallet services; bill payment services via an electronic wallet; digital currency, virtual currency, cryptocurrency, crypto token payment processing services for others in the nature of cryptocurrency exchange services; digital currency, virtual currency, cryptocurrency, crypto token payment processing services through electronic wallet services; digital currency, virtual currency, cryptocurrency, crypto token and utility token trading services in the nature of cryptocurrency exchange services; digital currency, virtual currency, cryptocurrency, crypto token and utility token payment processing services for others; financial management in the field of digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; 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; Financial advisory services in the field of digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; Financial information services related to digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens providing temporary use of online non-downloadable computer software for use in generating cryptographic keys related to cryptocurrency tokens; providing temporary use of online non-downloadable computer software for generating cryptographic keys for sending, receiving, and spending digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; providing temporary use of online non-downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions on a blockchain technology; providing temporary use of online non-downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions using distributed ledger technology; providing temporary use of online non-downloadable computer software for transfers of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens between parties; providing temporary use of online non-downloadable computer software for creating and managing smart contracts; providing temporary use of online non-downloadable computer software for managing, verifying, and validating cryptocurrency transactions using blockchain-based smart contracts; providing temporary use of online non-downloadable computer software for use as a cryptocurrency wallet; providing temporary use of online non-downloadable computer software for use as an electronic wallet; providing temporary use of online non-downloadable computer software for use as a digital currency wallet; providing a website featuring technology that enables users to generate printable cryptocurrency wallets; maintenance of computer software for enabling decentralized cryptocurrency wallet management for others; providing user authentication services using blockchain-based software technology for cryptocurrency transactions; authentication of data in the field of cryptocurrency transactions using blockchain technology; platform as a service (PAAS) featuring software platforms using blockchain and distributed ledger technology for authenticating and processing payments of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; software as a service (SAAS) featuring software platforms using blockchain and distributed ledger technology for authenticating and processing payments of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens
A system and method for aggregating account data, and more specifically, a system and method for aggregation of financial account data that provides enhanced privacy and security protections to a user by enabling the user to maintain custody of his or her login credentials. A syncing agent in coordination with a system add-on coordinates log-in to a remote system and storage of session information. Syncing agent utilizes the session agent to retrieve additional information on behalf of the user or perform other tasks on the remote server.
G06F 16/27 - Replication, distribution or synchronisation of data between databases or within a distributed database systemDistributed database system architectures therefor
A user account evaluation system is disclosed for evaluating risk associated with a user account. The system may obtain user account data associated with many user accounts, select a statistically significant subset of the user accounts, and then process (e.g., to determine types of the user accounts, etc.) and analyze the subset of user accounts to generate a plurality of evaluation models. When a new user account is accessed by the system, user account data may be obtained for the new user account, and the new user account may be evaluated based on the plurality of evaluation models. Accordingly, a plurality of evaluation parameter scores may be generated for the new user account, each of which may indicate an amount of risk associated with the user account. Some embodiments of the present disclosure may include machine learning and/or artificial intelligence methods to improve evaluation of the user accounts.
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Downloadable computer software featuring application programming interface (API) software for banking and credit card data that provides software developers with a clean, categorized view of user transactions and account balances; downloadable computer software for developers and merchants to track and manage transactions, customers, and metrics in the fields of business and finance; downloadable computer software to allow users to perform electronic business transactions via a global computer network; electronic software updates, namely, downloadable computer software and associated data files for updating computer software in the fields of business and finance, provided via computer and communication networks; downloadable databases and electronic data sets containing data relating to authenticity and validation of digital certificates; downloadable software for authenticating and validating digital certificates; downloadable databases and electronic data sets in the field of personally identifiable information and personal and business identification verification for fraud prevention for identity verification and authentication; downloadable software for performing identity verification and authentication; downloadable computer communications software to allow customers to access bank account information and transact bank business; downloadable mobile applications for managing bank accounts and money transfers Money transfers; electronic transfer of money; merchant services, namely, payment transaction processing services; payment and funds verification services; credit card verification; currency transfer services; financial services, namely, providing for the exchange of foreign currency via the internet and intranet systems; electronic funds transfer; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; providing an on-line computer database in the field of financial transactions; financial analysis, namely, compiling and analyzing statistics, data and other sources of information for financial purposes; financial information and evaluations; financial risk management; financial transaction services, namely, providing secure commercial transactions and payment options; providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; financial planning; financial consulting; financial information; providing financial information; financial information processing; debt management services; debt management consultation; mortgage financing services; mortgage refinancing; mortgage lending consultation services; brokerage services in the field of stocks and commodities; business brokerage services; Investment management; financial management; debt management services; financial advisory and consultancy services Application service provider featuring application programming interface (API) software for banking and credit card data that provides software developers with a clean, categorized view of user transactions and account balances; providing temporary use of non-downloadable computer software for developer and merchants to track and manage their transactions and metrics in the fields of business and finance; providing temporary use of non-downloadable computer software for allowing users to perform electronic business transactions via a global computer network; electronic data storage; electronic storage of files and documents; providing temporary use of on-line non-downloadable cloud computing software for identifying, classifying, evaluating, and reviewing potentially fraudulent payments; Design and development of computer software for the enablement of accepting purchases from within mobile apps and software that perform other non-purchasing functions; application service provider featuring application programming interface (API) software for enabling a mobile app to accept purchases and payments; Application service provider featuring application programming interface (API) software for integrating business, transactional, financial, and analytics information and functionality into other software and platforms; electronic signature authentication and verification services using technology to authenticate user identity; providing an on-line searchable database and on-line electronic data sets featuring information in the field of digital certificate authentication and validation and providing temporary use of non-downloadable computer software for authenticating and validating digital certificates; providing temporary use of non-downloadable computer software relating to information regarding personal and business identity, namely, software for compiling, analyzing and managing personal and business identity information; providing an on-line searchable database and on-line electronic data sets in the field of fraud prevention for identity verification and authentication, specifically featuring electronically monitored credit card activity data useful in detecting fraud via the Internet, electronic signatures for use in electronic signature verification using technology to authenticate user identity; providing temporary use of non-downloadable computer software for identity verification and authentication; management of consumer electronic payments; providing temporary use of non-downloadable software for managing bookkeeping, invoicing, accounting and payroll tasks; providing user authentication of electronic funds transfer, credit and debit card and electronic check transactions using API software via a global computer network; Computer security services in the nature of providing authentication, issuance, validation and revocation of digital certificates; Computer security services, namely, enforcing, restricting and controlling access privileges of users of computing resources for cloud, mobile or network resources based on assigned credentials; Electronic monitoring of personally identifying information to detect identity theft via the internet; Electronic signature verification services using technology to authenticate user identity; Electronic monitoring of credit card activity to detect fraud via the internet
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Downloadable computer software featuring application programming interface (API) software for banking and credit card data that provides software developers with a clean, categorized view of user transactions and account balances; downloadable computer software for developers and merchants to track and manage transactions, customers, and metrics in the fields of business and finance; downloadable computer software to allow users to perform electronic business transactions via a global computer network; electronic software updates, namely, downloadable computer software and associated data files for updating computer software in the fields of business and finance, provided via computer and communication networks; downloadable databases and electronic data sets containing data relating to authenticity and validation of digital certificates; downloadable software for authenticating and validating digital certificates; downloadable databases and electronic data sets in the field of personally identifiable information and personal and business identification verification for fraud prevention for identity verification and authentication; downloadable software for performing identity verification and authentication; downloadable computer communications software to allow customers to access bank account information and transact bank business; downloadable mobile applications for managing bank accounts and money transfers; all of the foregoing services relating to financial transactions and the related identity verification. Money transfers; electronic transfer of money; merchant services, namely, payment transaction processing services; payment and funds verification services; credit card verification; currency transfer services; financial services, namely, providing for the exchange of foreign currency via the internet and intranet systems; electronic funds transfer; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; providing an on-line computer database in the field of financial transactions; financial analysis, namely, compiling and analyzing statistics, data and other sources of information for financial purposes; financial information and evaluations; financial risk management; financial transaction services, namely, providing secure commercial transactions and payment options; providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; financial planning; financial consulting; financial information; providing financial information; financial information processing; debt management services; debt management consultation; mortgage financing services; mortgage refinancing; mortgage lending consultation services; brokerage services in the field of stocks and commodities; Investment management; financial management; financial advisory and consultancy services. Application service provider featuring application programming interface (API) software for banking and credit card data that provides software developers with a clean, categorized view of user transactions and account balances; providing temporary use of non-downloadable computer software for developer and merchants to track and manage their transactions and metrics in the fields of business and finance; providing temporary use of non-downloadable computer software for allowing users to perform electronic business transactions via a global computer network; electronic data storage; electronic storage of files and documents; providing temporary use of on-line non-downloadable cloud computing software for identifying, classifying, evaluating, and reviewing potentially fraudulent payments; Design and development of computer software for the enablement of accepting purchases from within mobile apps and software that perform other non-purchasing functions; application service provider featuring application programming interface (API) software for enabling a mobile app to accept purchases and payments; Application service provider featuring application programming interface (API) software for integrating business, transactional, financial, and analytics information and functionality into other software and platforms; electronic signature authentication and verification services using technology to authenticate user identity; providing an on-line searchable database and on-line electronic data sets featuring information in the field of digital certificate authentication and validation and providing temporary use of non-downloadable computer software for authenticating and validating digital certificates; providing temporary use of non-downloadable computer software relating to information regarding personal and business identity, namely, software for compiling, analyzing and managing personal and business identity information; providing an on-line searchable database and on-line electronic data sets in the field of fraud prevention for identity verification and authentication, specifically featuring electronically monitored credit card activity data useful in detecting fraud via the Internet, electronic signatures for use in electronic signature verification using technology to authenticate user identity; providing temporary use of non-downloadable computer software for identity verification and authentication; management of consumer electronic payments; providing temporary use of non-downloadable software for managing bookkeeping, invoicing, accounting and payroll tasks; providing user authentication of electronic funds transfer, credit and debit card and electronic check transactions using API software via a global computer network; Computer security services in the nature of providing authentication, issuance, validation and revocation of digital certificates; Computer security services, namely, enforcing, restricting and controlling access privileges of users of computing resources for cloud, mobile or network resources based on assigned credentials; Electronic monitoring of personally identifying information to detect identity theft via the internet; Electronic signature verification services using technology to authenticate user identity; Electronic monitoring of credit card activity to detect fraud via the internet; all of the foregoing services relating to financial transactions and the related identity verification.
Systems and methods for data parsing are disclosed. In one aspect, a method of parsing raw data associated with one or more transactions involves receiving a text string including raw data for a transaction, matching the text string to a plurality of locations within a location corpus to extract location information from the text string, and identifying a candidate entity from the text string based on a similarity score with respect to a plurality of entities within an entity corpus. The method further involves in response to the similarity score of the identified candidate entity being less than a threshold score, generating entity information using the tokens indicative of entity information, and generating normalized transaction data including the extracted location information and one of the identified candidate entity or the generated entity information.
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Downloadable computer software featuring application programming interface (API) software for banking and credit card data that provides software developers with a clean, categorized view of user transactions and account balances; downloadable computer software for developers and merchants to track and manage transactions, customers, and metrics in the fields of business and finance; downloadable computer software to allow users to perform electronic business transactions via a global computer network; electronic software updates, namely, downloadable computer software and associated data files for updating computer software in the fields of business and finance, provided via computer and communication networks; downloadable databases and electronic data sets containing data relating to authenticity and validation of digital certificates; downloadable software for authenticating and validating digital certificates; downloadable databases and electronic data sets in the field of personally identifiable information and personal and business identification verification for fraud prevention for identity verification and authentication; downloadable software for performing identity verification and authentication; downloadable computer communications software to allow customers to access bank account information and transact bank business; downloadable mobile applications for managing bank accounts and money transfers. Money transfers; electronic transfer of money; merchant services, namely, payment transaction processing services; payment and funds verification services; credit card verification; currency transfer services; financial services, namely, providing for the exchange of foreign currency via the internet and intranet systems; electronic funds transfer; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; providing an on-line computer database in the field of financial transactions; financial analysis, namely, compiling and analyzing statistics, data and other sources of information for financial purposes; financial information and evaluations; financial risk management; financial transaction services, namely, providing secure commercial transactions and payment options; providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; financial planning; financial consulting; financial information; providing financial information; financial information processing; debt management services; debt management consultation; mortgage financing services; mortgage refinancing; mortgage lending consultation services; brokerage services in the field of stocks and commodities; brokerage services provided to and on behalf of businesses; Investment management; financial management; financial advisory and consultancy services; management of consumer electronic payments. Application service provider featuring application programming interface (API) software for banking and credit card data that provides software developers with a clean, categorized view of user transactions and account balances; providing temporary use of non-downloadable computer software for developers and merchants to track and manage their transactions and metrics in the fields of business and finance; providing temporary use of non-downloadable computer software for allowing users to perform electronic business transactions via a global computer network; electronic data storage; electronic storage of files and documents; providing temporary use of on-line non-downloadable cloud computing software for identifying, classifying, evaluating, and reviewing potentially fraudulent payments; Design and development of computer software for the enablement of accepting purchases from within mobile apps and software that perform other non-purchasing functions; application service provider featuring application programming interface (API) software for enabling a mobile app to accept purchases and payments; Application service provider featuring application programming interface (API) software for integrating business, transactional, financial, and analytics information and functionality into other software and platforms; electronic signature authentication and verification services using technology to authenticate user identity; providing an on-line searchable database and on-line electronic data sets featuring information in the field of digital certificate authentication and validation and providing temporary use of non-downloadable computer software for authenticating and validating digital certificates; providing temporary use of non-downloadable computer software relating to information regarding personal and business identity, namely, software for compiling, analyzing and managing personal and business identity information; providing an on-line searchable database and on-line electronic data sets in the field of fraud prevention for identity verification and authentication, specifically featuring electronically monitored credit card activity data useful in detecting fraud via the Internet, electronic signatures for use in electronic signature verification using technology to authenticate user identity; providing temporary use of non-downloadable computer software for identity verification and authentication; providing temporary use of non-downloadable software for managing bookkeeping, invoicing, accounting and payroll tasks; providing user authentication of electronic funds transfer, credit and debit card and electronic check transactions using API software via a global computer network; Computer security services in the nature of providing authentication, issuance, validation and revocation of digital certificates; Computer security services, namely, enforcing, restricting and controlling access privileges of users of computing resources for cloud, mobile or network resources based on assigned credentials; Electronic monitoring of personally identifying information to detect identity theft via the internet; Electronic signature verification services using technology to authenticate user identity; Electronic monitoring of credit card activity to detect fraud via the internet.
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Downloadable computer software featuring application programming interface (API) software for banking and credit card data that provides software developers with a clean, categorized view of user transactions and account balances; downloadable computer software for developers and merchants to track and manage transactions, customers, and metrics in the fields of business management outcome, business management performance and finance; downloadable computer software to allow users to perform electronic business transactions via a global computer network; electronic software updates, namely, downloadable computer software and electronic data files for updating computer software for third party businesses and organizations operating in the fields of business management and finance, provided via computer and communication networks; downloadable databases and electronic data sets containing data relating to authenticity and validation of digital certificates; downloadable software for authenticating and validating digital certificates; downloadable databases and electronic data sets in the field of personally identifiable information and personal and business identification verification for fraud prevention for identity verification and authentication; downloadable software for performing identity verification and authentication; downloadable computer communications software to allow customers to access bank account information and transact bank business; downloadable mobile applications for managing bank accounts and money transfers (1) Money transfers; electronic transfer of money; merchant services, namely, payment transaction processing services; payment and funds verification services; credit card verification; currency transfer services; financial services, namely, providing for the exchange of foreign currency via the internet and intranet systems; electronic funds transfer; providing electronic processing of electronic funds transfer, automated clearing house (ACH), credit card, debit card, electronic check and electronic payments; providing an on-line computer database in the field of financial transactions; financial analysis, namely, compiling and analyzing statistics, data and other sources of information for financial purposes; financial evaluation for insurance purposes; financial risk management; financial transaction services, namely, providing secure payments for commercial transactions; providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; financial planning; financial consulting; providing financial information in the field of financial transaction risk assessments, automated clearing house (ACH) transaction processing, and payment verification services; financial information processing, namely financial services in the nature of payment processing services; debt management services; debt management consultation; mortgage financing services; mortgage refinancing; mortgage lending consultation services; brokerage services in the field of stocks and commodities; business brokerage services, namely advice relating to buying and selling of businesses; investment management; financial management; financial advisory and consultancy services in the field of digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; management of consumer electronic payments, namely, processing of electronic wallet payments
(2) Application service provider featuring application programming interface (API) software for banking and credit card data that provides software developers with a clean, categorized view of user transactions and account balances; providing temporary use of non-downloadable computer software for developers and merchants to track and manage their transactions and metrics in the fields of business management outcome, business management performance and finance; providing temporary use of non-downloadable computer software for allowing users to perform electronic business transactions via a global computer network; electronic data storage for archiving business records and personal records; cloud computing provider services for general electronic storage of files and documents; providing temporary use of on-line non-downloadable cloud computing software for identifying, classifying, evaluating, and reviewing potentially fraudulent payments; design and development of computer software for the enablement of accepting purchases from within mobile apps and software that perform other non-purchasing functions; application service provider featuring application programming interface (API) software for enabling a mobile app to accept purchases and payments; application service provider featuring application programming interface (API) software for enabling developers to integrate business, transactional, financial, and analytics information and functionality into third party software and computer software platforms; electronic signature authentication and verification services using technology to authenticate user identity; providing on-line electronic data sets featuring information in the field of digital certificate authentication and validation and providing temporary use of non-downloadable computer software for authenticating and validating digital certificates; providing information in the field of digital certificate authentication and validation via an on-line searchable database; providing temporary use of non-downloadable computer software relating to information regarding personal and business identity, namely, software for compiling, analyzing and managing personal and business identity information; providing on-line electronic data sets in the field of fraud prevention for identity verification and authentication, specifically featuring electronically monitored credit card activity data useful in detecting fraud via the Internet, electronic signatures for use in electronic signature verification using technology to authenticate user identity; providing information in the field of fraud prevention for identity verification and authentication, specifically featuring electronically monitored credit card activity data useful in detecting fraud via the Internet, electronic signatures for use in electronic signature verification using technology to authenticate user identity via an on-line searchable database; providing temporary use of non-downloadable computer software for identity verification and authentication; application service provider featuring application programming interface (API) software to allow developers and merchants to manage customer electronic payments; providing temporary use of non-downloadable computer software to allow developers and merchants to manage customer electronic payments; providing temporary use of non-downloadable software for managing bookkeeping, invoicing, accounting and payroll tasks; providing user authentication of electronic funds transfer, credit and debit card and electronic check transactions using application programming interface (API) software via a global computer network; computer security services in the nature of providing authentication, issuance, validation and revocation of digital certificates; computer security services, namely, enforcing, restricting and controlling access privileges of users of computing resources for cloud, mobile or network resources based on assigned credentials; electronic monitoring of personally identifying information to detect identity theft via the internet; electronic signature verification services using technology to authenticate user identity; electronic monitoring of credit card activity to detect fraud via the internet
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Downloadable computer software featuring application programming interface (API) software for banking and credit card data that provides software developers with a clean, categorized view of user transactions and account balances; downloadable computer software for developers and merchants to track and manage transactions, customers, and metrics in the fields of business and finance; downloadable computer software to allow users to perform electronic business transactions via a global computer network; electronic software updates, namely, downloadable computer software and associated data files for updating computer software in the fields of business and finance, provided via computer and communication networks; downloadable databases and electronic data sets containing data relating to authenticity and validation of digital certificates in the fields of business and finance; downloadable software for authenticating and validating digital certificates; downloadable databases and electronic data sets in the field of personally identifiable information and personal and business identification verification for fraud prevention for identity verification and authentication; downloadable software for performing identity verification and authentication; downloadable computer communications software to allow customers to access bank account information and transact bank business; downloadable mobile applications for managing bank accounts and money transfers; downloadable computer software in the nature of a mobile application used to generate cryptographic keys related to cryptocurrency tokens; downloadable computer software for generating cryptographic keys for sending, receiving, and spending digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; downloadable computer software in the nature of a mobile application to send, receive, store, and safeguard digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions on a blockchain technology; downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions using distributed ledger technology; downloadable computer software for transfers of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens between parties; downloadable computer software for creating and managing smart contracts; downloadable computer software for managing, verifying, and validating cryptocurrency transactions using blockchain-based smart contracts; downloadable computer software for use as a cryptocurrency wallet; downloadable computer software for use as an electronic wallet; downloadable computer software for use as a digital currency wallet; cryptocurrency hardware wallets Money transfers; electronic transfer of money; merchant services, namely, payment transaction processing services; payment and funds verification services; credit card verification; currency transfer services; financial services, namely, providing for the exchange of foreign currency via the internet and intranet systems; electronic funds transfer; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; providing an on-line computer database in the field of financial payment processing transactions; financial analysis, namely, compiling and analyzing statistics, data and other sources of information for financial purposes; financial information and evaluations; financial risk management; financial transaction services, namely, providing secure commercial transactions and payment options; providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; financial planning; financial consulting; financial information; providing financial information; financial information processing; debt management services; debt management consultation; mortgage financing services; mortgage refinancing; mortgage lending consultation services; brokerage services in the field of stocks and commodities; business brokerage services; investment management; financial management; financial advisory and consultancy services; cryptocurrency trading services; cryptocurrency exchange services; cryptocurrency exchange services featuring blockchain technology; financial exchange of virtual currency; financial brokerage services for cryptocurrency trading; issuance of tokens of value; cryptocurrency wallet services in the nature of processing electronic wallet payments and storage of cryptocurrencies; financial services relating to electronic wallet services namely processing of electronic payments and storage of cryptocurrencies; cryptocurrency wallet services; financial services relating to electronic wallet services; cryptocurrency payment processing; cryptocurrency payment processing featuring blockchain technology; cryptocurrency payment processing featuring distributed ledger technology; blockchain-based payment verification services; distributed ledger-based payment verification services; processing electronic payments through electronic wallet services; bill payment services via an electronic wallet; digital currency, virtual currency, cryptocurrency payment processing services; digital currency, virtual currency, cryptocurrency, crypto token payment processing services in the nature of cryptocurrency exchange services; digital currency, virtual currency, cryptocurrency, crypto token and utility token trading services in the nature of cryptocurrency exchange services; digital currency, virtual currency, cryptocurrency, crypto token and utility token payment processing services for others; financial management in the field of digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; 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; Financial advisory services in the field of digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens; Financial information services related to digital currency, virtual currency, cryptocurrency, digital and blockchain assets, digitized assets, digital tokens, crypto tokens and utility tokens application service provider featuring application programming interface (API) software for banking and credit card data that provides software developers with a clean, categorized view of user transactions and account balances; providing temporary use of non-downloadable computer software for developer and merchants to track and manage their transactions and metrics in the fields of business and finance; providing temporary use of non-downloadable computer software for allowing users to perform electronic business transactions via a global computer network; electronic data storage; electronic storage of files and documents; providing temporary use of on-line non-downloadable cloud computing software for identifying, classifying, evaluating, and reviewing potentially fraudulent payments; Design and development of computer software for the enablement of accepting purchases from within mobile apps and software that perform other non-purchasing functions; application service provider featuring application programming interface (API) software for enabling a mobile app to accept purchases and payments; Application service provider featuring application programming interface (API) software for integrating business, transactional, financial, and analytics information and functionality into other software and platforms; electronic signature authentication and verification services using technology to authenticate user identity; providing an on-line searchable database and on-line electronic data sets featuring information in the field of digital certificate authentication and validation and providing temporary use of non-downloadable computer software for authenticating and validating digital certificates; providing temporary use of non-downloadable computer software relating to information regarding personal and business identity, namely, software for compiling, analyzing and managing personal and business identity information; providing an on-line searchable database and on-line electronic data sets in the field of fraud prevention for identity verification and authentication, specifically featuring electronically monitored credit card activity data useful in detecting fraud via the Internet, electronic signatures for use in electronic signature verification using technology to authenticate user identity; providing temporary use of non-downloadable computer software for identity verification and authentication; providing temporary use of non-downloadable software for managing bookkeeping, invoicing, accounting and payroll tasks; providing user authentication of electronic funds transfer, credit and debit card and electronic check transactions using API software via a global computer network; Computer security services in the nature of providing authentication, issuance, validation and revocation of digital certificates; Computer security services, namely, enforcing, restricting and controlling access privileges of users of computing resources for cloud, mobile or network resources based on assigned credentials; Electronic monitoring of personally identifying information to detect identity theft via the internet; Electronic signature verification services using technology to authenticate user identity; Electronic monitoring of credit card activity to detect fraud via the internet; providing temporary use of online non-downloadable computer software for use in generating cryptographic keys related to cryptocurrency tokens; providing temporary use of online non-downloadable computer software for generating cryptographic keys for sending, receiving, and spending digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; providing temporary use of online non-downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions on a blockchain technology; providing temporary use of online non-downloadable computer software for managing, sending, receiving, tracking, transferring, transmitting, validating, and verifying cryptocurrency transactions using distributed ledger technology; providing temporary use of online non-downloadable computer software for transfers of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens between parties; providing temporary use of online non-downloadable computer software for creating and managing smart contracts; providing temporary use of online non-downloadable computer software for managing, verifying, and validating cryptocurrency transactions using blockchain-based smart contracts; providing temporary use of online non-downloadable computer software for use as a cryptocurrency wallet; providing temporary use of online non-downloadable computer software for use as an electronic wallet; providing temporary use of online non-downloadable computer software for use as a digital currency wallet; providing a website featuring technology that enables users to generate printable cryptocurrency wallets; maintenance of computer software for enabling decentralized cryptocurrency wallet management for others; providing user authentication services using blockchain-based software technology for cryptocurrency transactions; authentication of data in the field of cryptocurrency transactions using blockchain technology; platform as a service (PAAS) featuring software platforms using blockchain and distributed ledger technology for authenticating and processing payments of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens; software as a service (SAAS) featuring software platforms using blockchain and distributed ledger technology for authenticating and processing payments of digital currency, virtual currency, cryptocurrency, digital and blockchain asset, digitized asset, digital token, crypto token and utility tokens
76.
Secure authorization of access to user accounts by one or more authorization mechanisms
A permissions management system is disclosed for enabling a user to securely authorize access to user accounts and/or securely authorize execution of transactions related to user accounts via one or more application programming interfaces (“APIs”) and/or one or more authorization mechanisms.
A system and method that includes receiving a client data packet from network traffic with a client device; extracting a set of packet components from the client data packet; generating a client fingerprint from the set of packet components; assigning a client type to the network traffic using the client fingerprint; and optionally filtering the network traffic of the client device based at least in part on the client type.
H04L 43/026 - Capturing of monitoring data using flow identification
H04L 43/028 - Capturing of monitoring data by filtering
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
H04L 9/06 - Arrangements for secret or secure communicationsNetwork security protocols the encryption apparatus using shift registers or memories for blockwise coding, e.g. D.E.S. systems
H04L 43/04 - Processing captured monitoring data, e.g. for logfile generation
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Money transfers; electronic transfer of money; merchant services, namely, payment transaction processing services; payment and funds verification services; credit card verification; currency transfer services; financial services, namely, providing for the exchange of foreign currency via the internet and intranet systems; electronic funds transfer; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; providing on-line information in the field of financial transactions from a computer database; financial analysis, namely, compiling and analyzing statistics, data and other sources of information for financial purposes; financial information and evaluations; financial risk management; financial transaction services, namely, providing secure commercial transactions and payment options; providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; financial consulting; financial information; providing financial information; financial information processing; management of consumer electronic payments. Application service provider featuring application programming interface (API) software for banking and credit card data that provides software developers with a clean, categorized view of user transactions and account balances; providing temporary use of non-downloadable computer software for developer and merchants to track and manage their transactions and metrics in the fields of business and finance; providing temporary use of non-downloadable computer software for allowing users to perform electronic business transactions via a global computer network; electronic data storage; electronic storage of files and documents; providing temporary use of on-line non-downloadable cloud computing software for identifying, classifying, evaluating, and reviewing potentially fraudulent payments; Application service provider featuring application programming interface (API) software for integrating business, transactional, financial, and analytics information and functionality into other software and platforms; providing an on-line searchable database and on-line electronic data sets featuring information in the field of digital certificate authentication and validation and providing temporary use of non-downloadable computer software for authenticating and validating digital certificates; providing temporary use of non-downloadable computer software relating to information regarding personal and business identity, namely, software for compiling, analyzing and managing personal and business identity information; providing an on-line searchable database and on-line electronic data sets in the field of fraud prevention for identity verification and authentication, specifically featuring electronically monitored credit card activity data useful in detecting fraud via the Internet, electronic signatures for use in electronic signature verification using technology to authenticate user identity; providing temporary use of non-downloadable computer software for identity verification and authentication; providing user authentication of electronic funds transfer, credit and debit card and electronic check transactions using API software via a global computer network; Computer security services in the nature of providing authentication, issuance, validation and revocation of digital certificates; Computer security services, namely, enforcing, restricting and controlling access privileges of users of computing resources for cloud, mobile or network resources based on assigned credentials; Electronic monitoring of personally identifying information to detect identity theft via the internet; Electronic signature verification services using technology to authenticate user identity.
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Money transfers; electronic transfer of money; merchant services, namely, payment transaction processing services; payment and funds verification services; credit card verification; currency transfer services; financial services, namely, providing for the exchange of foreign currency via the internet and intranet systems; electronic funds transfer; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; providing on-line information in the field of financial transactions from a computer database; financial analysis, namely, compiling and analyzing statistics, data and other sources of information for financial purposes; financial information and evaluations; financial risk management; financial transaction services, namely, providing secure commercial transactions and payment options; providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; financial consulting; financial information; providing financial information; financial information processing; management of consumer electronic payments. Application service provider featuring application programming interface (API) software for banking and credit card data that provides software developers with a clean, categorized view of user transactions and account balances; providing temporary use of non-downloadable computer software for developer and merchants to track and manage their transactions and metrics in the fields of business and finance; providing temporary use of non-downloadable computer software for allowing users to perform electronic business transactions via a global computer network; electronic data storage; electronic storage of files and documents; providing temporary use of on-line non-downloadable cloud computing software for identifying, classifying, evaluating, and reviewing potentially fraudulent payments; Application service provider featuring application programming interface (API) software for integrating business, transactional, financial, and analytics information and functionality into other software and platforms; providing an on-line searchable database and on-line electronic data sets featuring information in the field of digital certificate authentication and validation and providing temporary use of non-downloadable computer software for authenticating and validating digital certificates; providing temporary use of non-downloadable computer software relating to information regarding personal and business identity, namely, software for compiling, analyzing and managing personal and business identity information; providing an on-line searchable database and on-line electronic data sets in the field of fraud prevention for identity verification and authentication, specifically featuring electronically monitored credit card activity data useful in detecting fraud via the Internet, electronic signatures for use in electronic signature verification using technology to authenticate user identity; providing temporary use of non-downloadable computer software for identity verification and authentication; providing user authentication of electronic funds transfer, credit and debit card and electronic check transactions using API software via a global computer network; Computer security services in the nature of providing authentication, issuance, validation and revocation of digital certificates; Computer security services, namely, enforcing, restricting and controlling access privileges of users of computing resources for cloud, mobile or network resources based on assigned credentials; Electronic monitoring of personally identifying information to detect identity theft via the internet; Electronic signature verification services using technology to authenticate user identity.
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Money transfers; electronic transfer of money; merchant services, namely, payment transaction processing services; payment and funds verification services; credit card verification; currency transfer services; financial services, namely, providing for the exchange of foreign currency via the internet and intranet systems; electronic funds transfer; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; providing information in the field of financial transactions via an on-line computer database; financial analysis, namely, compiling and analyzing statistics, data and other sources of information for financial purposes; financial risk management; financial transaction services, namely, providing secure commercial transactions and payment options; providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; financial consulting in the field of risk management; providing financial information in the field of financial transaction risk assessments, automated clearing house (ACH) transaction processing, and payment verification services; financial information processing, namely financial services in the nature of payment processing services; management of consumer electronic payments, namely, processing of electronic wallet payments
(2) Application service provider featuring application programming interface (API) software for banking and credit card data that provides software developers with a clean, categorized view of user transactions and account balances; providing temporary use of non-downloadable computer software for developer and merchants to track and manage their transactions and metrics in the fields of business and finance; providing temporary use of non-downloadable computer software for allowing users to perform electronic business transactions via a global computer network; cloud computing provider services for general electronic storage of files and documents; providing temporary use of on-line non-downloadable cloud computing software for identifying, classifying, evaluating, and reviewing potentially fraudulent payments; application service provider featuring application programming interface (API) software for integrating business, transactional, financial, and analytics information and functionality into other software and platforms; providing on-line electronic data sets featuring information in the field of digital certificate authentication and validation and providing temporary use of non-downloadable computer software for authenticating and validating digital certificates; providing information in the field of digital certificate authentication and validation via an on-line searchable database; providing temporary use of non-downloadable computer software relating to information regarding personal and business identity, namely, software for compiling, analyzing and managing personal and business identity information for verifying user identities in financial transactions; providing on-line electronic data sets in the field of fraud prevention for identity verification and authentication, specifically featuring electronically monitored credit card activity data useful in detecting fraud via the Internet, electronic signatures for use in electronic signature verification using technology to authenticate user identity; providing information in the field of fraud prevention for identity verification and authentication, specifically featuring electronically monitored credit card activity data useful in detecting fraud via the Internet, electronic signatures for use in electronic signature verification using technology to authenticate user identity via an on-line searchable database; providing temporary use of non-downloadable computer software for identity verification and authentication; application service provider featuring application programming interface (API) software to allow developers and merchants to manage customer electronic payments; providing temporary use of non-downloadable computer software to allow developers and merchants to manage customer electronic payments; providing user authentication of electronic funds transfer, credit and debit card and electronic check transactions using API software via a global computer network; computer security services in the nature of providing authentication, issuance, validation and revocation of digital certificates; computer security services, namely, enforcing, restricting and controlling access privileges of users of computing resources for cloud, mobile or network resources based on assigned credentials; electronic monitoring of personally identifying information to detect identity theft via the internet; electronic signature verification services using technology to authenticate user identity
81.
Secure authorization of access to user accounts by one or more authorization mechanisms
A permissions management system is disclosed for enabling a user to securely authorize access to user accounts and/or securely authorize execution of transactions related to user accounts via one or more application programming interfaces (“APIs”) and/or one or more authorization mechanisms.
Systems and methods for data parsing are disclosed. In one aspect, a method of parsing raw data associated with one or more transactions involves receiving a text string including raw data for a transaction, matching the text string to a plurality of locations within a location corpus to extract location information from the text string, and identifying a candidate entity from the text string based on a similarity score with respect to a plurality of entities within an entity corpus. The method further involves in response to the similarity score of the identified candidate entity being less than a threshold score, generating entity information using the tokens indicative of entity information, and generating normalized transaction data including the extracted location information and one of the identified candidate entity or the generated entity information.
Systems and methods for data parsing are disclosed. In one aspect, a method of parsing raw data associated with one or more transactions involves receiving a text string including raw data for a transaction, matching the text string to a plurality of locations within a location corpus to extract location information from the text string, and identifying a candidate entity from the text string based on a similarity score with respect to a plurality of entities within an entity corpus. The method further involves in response to the similarity score of the identified candidate entity being less than a threshold score, generating entity information using the tokens indicative of entity information, and generating normalized transaction data including the extracted location information and one of the identified candidate entity or the generated entity information.
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Money transfers; electronic transfer of money; merchant services, namely, payment transaction processing services; payment and funds verification services; credit card verification; currency transfer services; financial services, namely, providing for the exchange of foreign currency via the internet and intranet systems; electronic funds transfer; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; providing an on-line computer database in the field of financial payment processing transactions; financial analysis, namely, compiling and analyzing statistics, data and other sources of information for financial purposes; financial information and evaluations; financial risk management; financial transaction services, namely, providing secure commercial transactions and payment options; providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; financial planning; financial consulting; financial information; providing financial information; financial information processing; debt management services; debt management consultation; mortgage financing services; mortgage refinancing; mortgage lending consultation services; brokerage services in the field of stocks and commodities; business brokerage services; Investment management; financial management; debt management services; financial advisory and consultancy services Application service provider featuring application programming interface (API) software for banking and credit card data that provides software developers with a clean, categorized view of user transactions and account balances; providing temporary use of non-downloadable computer software for developer and merchants to track and manage their transactions and metrics in the fields of business and finance; providing temporary use of non-downloadable computer software for allowing users to perform electronic business transactions via a global computer network; electronic data storage; electronic storage of files and documents; providing temporary use of on-line non-downloadable cloud computing software for identifying, classifying, evaluating, and reviewing potentially fraudulent payments; Design and development of computer software for the enablement of accepting purchases from within mobile apps and software that perform other non-purchasing functions; application service provider featuring application programming interface (API) software for enabling a mobile app to accept purchases and payments; Application service provider featuring application programming interface (API) software for integrating business, transactional, financial, and analytics information and functionality into other software and platforms; electronic signature authentication and verification services using technology to authenticate user identity; providing an on-line searchable database and on-line electronic data sets featuring information in the field of digital certificate authentication and validation and providing temporary use of non-downloadable computer software for authenticating and validating digital certificates; providing temporary use of non-downloadable computer software relating to information regarding personal and business identity, namely, software for compiling, analyzing and managing personal and business identity information; providing an on-line searchable database and on-line electronic data sets in the field of fraud prevention for identity verification and authentication, specifically featuring electronically monitored credit card activity data useful in detecting fraud via the Internet, electronic signatures for use in electronic signature verification using technology to authenticate user identity; providing temporary use of non-downloadable computer software for identity verification and authentication; management of consumer electronic payments; providing temporary use of non-downloadable software for managing bookkeeping, invoicing, accounting and payroll tasks; providing user authentication of electronic funds transfer, credit and debit card and electronic check transactions using API software via a global computer network; Computer security services in the nature of providing authentication, issuance, validation and revocation of digital certificates; Computer security services, namely, enforcing, restricting and controlling access privileges of users of computing resources for cloud, mobile or network resources based on assigned credentials; Electronic monitoring of personally identifying information to detect identity theft via the internet; Electronic signature verification services using technology to authenticate user identity; Electronic monitoring of credit card activity to detect fraud via the internet
85.
System and method for managing user interaction flows within third party applications
A system and method for cloud management of user interactions on a client device comprising: initiating, in response to an initiation request of a client application, processing of a workflow configuration with an initial session state, wherein the workflow is a data model of a graph of nodes connected with directed edges, where the nodes include a set of node types that includes at least a pane node; iteratively processing the workflow configuration, initially using the initial session state, and thereby generating rendered panes for use in a user interaction flow of a client application, which comprises: following a next edge of the workflow configuration to determine a next workflow node, processing the next workflow node, which comprises, when the next workflow node is a pane node, rendering the pane node into a rendered pane, and sending the rendered panes to the client device.
G06F 3/00 - Input arrangements for transferring data to be processed into a form capable of being handled by the computerOutput arrangements for transferring data from processing unit to output unit, e.g. interface arrangements
A system and method for cloud management of user interactions on a client device comprising: initiating, in response to an initiation request of a client application, processing of a workflow configuration with an initial session state, wherein the workflow is a data model of a graph of nodes connected with directed edges, where the nodes include a set of node types that includes at least a pane node; iteratively processing the workflow configuration, initially using the initial session state, and thereby generating rendered panes for use in a user interaction flow of a client application, which comprises: following a next edge of the workflow configuration to determine a next workflow node, processing the next workflow node, which comprises, when the next workflow node is a pane node, rendering the pane node into a rendered pane, and sending the rendered panes to the client device.
H04J 3/16 - Time-division multiplex systems in which the time allocation to individual channels within a transmission cycle is variable, e.g. to accommodate varying complexity of signals, to vary number of channels transmitted
G06F 15/173 - Interprocessor communication using an interconnection network, e.g. matrix, shuffle, pyramid, star or snowflake
87.
Secure permissioning of access to user accounts, including secure distribution of aggregated user account data
A system and method for secure permissioning of access to user accounts, including secure distribution of aggregated user account data can include generating a financial report based on account information associated with one or more user accounts; receiving a financial report request for the financial report of the user account, wherein the financial report request is identified as being received from a third-party system; generating an audit report token associated with the financial report; sharing the audit token with the first third-party system in response to the financial report request; and providing the first third-party system account access to the financial report through the report token, where the audit report token can be shared with a second third-party system and provided by the second third-party system in order to confirm authorization to the report and integrity of the report.
Systems and methods for programmatic access of a financial institution system. A normalized API request provided by an application system specifies user information corresponding to at least one account endpoint of an external financial institution system. Responsive to the request, at least one application proxy instance associated with the normalized API request is used to collect transaction information from a corresponding financial institution system by providing the financial institution system with a proprietary API request that specifies at least account credentials associated with the user information. The transaction information is included in at least one proprietary API response provided by the financial institution system. A normalized API response is generated based on the collected transaction information and provided to the application system. Each application proxy instance is constructed to simulate an application of the corresponding financial institution system on behalf of a user associated with the application proxy instance.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
Systems and methods for secure updating of allocations to user accounts are provided. In one aspect, a system includes one or more computer readable storage mediums having program instructions embodied therewith, and one or more processors configured to cause the system to identify an external institution associated with the future transfers, and initiate, based on the identified external institution, a proxy instance of a software application of the external institution to determine a set of endpoints and a set of the future transfers to the endpoints. The system is further configured to receive a request from a user to change at least one of the set of the endpoints and the set of the further transfers to the endpoints, and use the proxy instance, executing the requested change to at least one of the set of the endpoints or the set of the future transfers to the endpoints.
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
Systems and methods for secure updating of allocations to user accounts are provided. In one aspect, a system includes one or more computer readable storage mediums having program instructions embodied therewith, and one or more processors configured to cause the system to identify an external institution associated with the future transfers, and initiate, based on the identified external institution, a proxy instance of a software application of the external institution to determine a set of endpoints and a set of the future transfers to the endpoints. The system is further configured to receive a request from a user to change at least one of the set of the endpoints and the set of the further transfers to the endpoints, and use the proxy instance, executing the requested change to at least one of the set of the endpoints or the set of the future transfers to the endpoints.
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
42 - Scientific, technological and industrial services, research and design
Goods & Services
Providing temporary use of on-line non-downloadable cloud computing software for identifying, classifying, evaluating, and reviewing potentially fraudulent payments; providing temporary use of non-downloadable computer software relating to information regarding personal and business identity, namely, software for compiling, analyzing and managing personal and business identity information; providing user authentication of electronic funds transfer, credit and debit card and electronic check transactions using API software via a global computer network
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Money transfers; electronic transfer of money; merchant services, namely, payment transaction processing services; payment and funds verification services; credit card verification; currency transfer services; financial services, namely, providing for the exchange of foreign currency via the internet and intranet systems; electronic funds transfer; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; providing an on-line computer database in the field of financial transactions; financial analysis, namely, compiling and analyzing statistics, data and other sources of information for financial purposes; financial information and evaluations; financial risk management; financial transaction services, namely, providing secure commercial transactions and payment options; providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; financial consulting; financial information; providing financial information; financial information processing; management of consumer electronic payments, namely, processing of electronic wallet payments application service provider featuring application programming interface (API) software for banking and credit card data that provides software developers with a clean, categorized view of user transactions and account balances; providing temporary use of non-downloadable computer software for developer and merchants to track and manage their transactions and metrics in the fields of business and finance; providing temporary use of non-downloadable computer software for allowing users to perform electronic business transactions via a global computer network; electronic data storage; electronic storage of files and documents; providing temporary use of on-line non-downloadable cloud computing software for identifying, classifying, evaluating, and reviewing potentially fraudulent payments; Application service provider featuring application programming interface (API) software for integrating business, transactional, financial, and analytics information and functionality into other software and platforms; providing an on-line searchable database and on-line electronic data sets featuring information in the field of digital certificate authentication and validation and providing temporary use of non-downloadable computer software for authenticating and validating digital certificates; providing temporary use of non-downloadable computer software relating to information regarding personal and business identity, namely, software for compiling, analyzing and managing personal and business identity information; providing an on-line searchable database and on-line electronic data sets in the field of fraud prevention for identity verification and authentication, specifically featuring electronically monitored credit card activity data useful in detecting fraud via the Internet, electronic signatures for use in electronic signature verification using technology to authenticate user identity; providing temporary use of non-downloadable computer software for identity verification and authentication; application service provider featuring application programming interface (API) software for management of consumer electronic payments; providing temporary use of non-downloadable computer software for management of consumer electronic payments; providing user authentication of electronic funds transfer, credit and debit card and electronic check transactions using API software via a global computer network; Computer security services in the nature of providing authentication, issuance, validation and revocation of digital certificates; Computer security services, namely, enforcing, restricting and controlling access privileges of users of computing resources for cloud, mobile or network resources based on assigned credentials; Electronic monitoring of personally identifying information to detect identity theft via the internet; Electronic signature verification services using technology to authenticate user identity
93.
Secure permissioning of access to user accounts, including secure deauthorization of access to user accounts
A permissions management system is disclosed for enabling a user to securely authorize a third-party system to access user account data and initiate transactions related to a user account, without disclosing to the third-party system account credentials. The system enables the user to also securely de-authorize the third-party system. For example, records may be automatically generated that securely store account information, including one or more permissions related to the account and/or the third-party. A token associated with a record may be shared with the third-party system, but neither the record itself, nor the user account credentials, may be shared with the third-party. Accordingly, the third-party may request user account data and/or initiate transactions by providing the token, but does not itself know, e.g., the user account credentials. Further, the user may set various permissions related to the token, and may also revoke the token (e.g., de-authorize the third-party), thus providing increased security to the user's account.
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
A permissions management system is disclosed for enabling a user to securely authorize a third-party system to access user account data and initiate transactions related to a user account, without disclosing to the third-party system account credentials. The system enables the user to also securely de-authorize the third-party system. For example, records may be automatically generated that securely store account information, including one or more permissions related to the account and/or the third-party. A token associated with a record may be shared with the third-party system, but neither the record itself, nor the user account credentials, may be shared with the third-party. Accordingly, the third-party may request user account data and/or initiate transactions by providing the token, but does not itself know, e.g., the user account credentials. Further, the user may set various permissions related to the token, and may also revoke the token (e.g., de-authorize the third-party), thus providing increased security to the user's account.
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
Systems and techniques are disclosed for accessing accounts associated with a user and estimating a value of an attribute associated with the user based upon the retrieved account information. Transaction data associated with an account at an external user account system is received. The transactions are categorized into transaction groups. For each transaction group, a confidence value that the group is associated with the attribute is estimated, based at least in part upon a distribution of transaction amounts for the transactions of the group over a time period associated with the group. An attribute value is estimated for each group, based at least in part upon the transaction amounts of the transaction of the group. In addition a value of the attribute for a future time period may be predicted based upon the transaction groups.
A system and method for verifying account ownership using verified deposits. An ACH verification platform may recognize or detect a verification process involving microdeposits. A verification platform may receive and store user login, initiate the deposits, and monitor the user's account to verify that posting of the deposits was successful. In embodiments, a dedicated web form or portal may be provided for receiving verification information.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
A system and method for assessing digital interactions with a digital third party accounts can include receiving user account credentials for authentication with an external computing system, storing the user account credentials in association with a authentication token and communicating the authentication token to a computing device of an external application service; receiving, through a programmatic communication interface, a request that references the authentication token and digital interaction details; programmatically authenticating, using the stored user account credentials, as a user account with the external computing system and retrieving account data; processing the account data in combination with the digital interaction details and thereby generating a digital interact assessment; and initiating execution of a digital interaction based in part on the digital interaction assessment.
G06F 21/45 - Structures or tools for the administration of authentication
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
A system and method for assessing digital interactions with a digital third party accounts can include receiving user account credentials for authentication with an external computing system, storing the user account credentials in association with a authentication token and communicating the authentication token to a computing device of an external application service; receiving, through a programmatic communication interface, a request that references the authentication token and digital interaction details; programmatically authenticating, using the stored user account credentials, as a user account with the external computing system and retrieving account data; processing the account data in combination with the digital interaction details and thereby generating a digital interact assessment; and initiating execution of a digital interaction based in part on the digital interaction assessment.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
99.
System and method for programmatically accessing financial data
Systems and methods for programmatic access of external financial service systems. An application proxy instance is created that simulates an application of an external financial service system. A normalized account request is received for financial data of the external financial service system for a specified account. The normalized account request is provided by an external financial application system by using a financial data API of the financial platform system. Responsive to the normalized account request, communication is negotiated with the external financial service system by using the application proxy instance to access the requested financial data from the external financial service system by using a proprietary Application Programming Interface (API) of the external financial service system. The financial data is provided to the external financial application system as a response to the normalized account request.
Systems and techniques are disclosed for accessing accounts associated with a user and estimating a value of an attribute associated with the user based upon the retrieved account information. Transaction data associated with an account at an external user account system is received. The transactions are categorized into transaction groups. For each transaction group, a confidence value that the group is associated with the attribute is estimated, based at least in part upon a distribution of transaction amounts for the transactions of the group over a time period associated with the group. An attribute value is estimated for each group, based at least in part upon the transaction amounts of the transaction of the group. In addition a value of the attribute for a future time period may be predicted based upon the transaction groups.
