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 in the nature of a mobile application for facilitating financial transactions; Downloadable software in the nature of a mobile application for use in managing business and trade information; Downloadable computer software applications for enabling investors to stake their digital assets that are eligible for returns in a proof of stake network, and for executing trades of digital assets; Cryptocurrency hardware wallets; Downloadable computer e-commerce software to allow users to perform electronic business transactions via a global computer network; Downloadable software for accessing non-fungible tokens (NFTs) on a blockchain; Downloadable software for sending and receiving image files authenticated by non-fungible tokens (NFTs); Downloadable computer software applications for mobile devices for processing banking transactions, for executing payments by credit card, debit card, and virtual payment card, for processing data in the field of automatic teller machines services, for processing data in the field of stored value card services, for processing data in the field of electronic funds transfer services, for processing data in the field of electronic payment processing services, for electronic processing and transmission of bill payment data, for processing data in the field of cash disbursement services, for processing data in the field of transaction authentication services, for processing data in the field of routing, authorization and settlement services, and for processing data in the field of fraud detection and control services in virtual worlds; Downloadable computer software for creating, distributing, and managing physical and virtual payment cards and card transactions; Downloadable computer software for facilitating the transfer of a virtual payment card to an electronic or mobile wallet. Financial exchange; Financial information; Financial information processing; Financial information provided by electronic means in the field of alternative assets; Cryptocurrency trading services; Cryptocurrency exchange services; Cryptocurrency payment processing; Financial brokerage services for cryptocurrency trading; Electronic transfer of virtual currencies; Electronic financial trading services; Clearing and reconciling financial transactions via a global computer network; Financial trading of cryptocurrency; Providing financial information in the field of cryptocurrency; Providing financial information in the field of virtual currency; Providing financial information in the field of digital currency; Cryptocurrency lending; Financial exchange of cryptocurrency via decentralized exchanges (DEXs); Payment verification services using distributed ledger technology (DLT); Blockchain-based payment verification services; Cryptocurrency exchange services featuring blockchain technology; Providing online share price information to blockchain-based smart contracts; Providing information in the field of cryptocurrency exchange price quotations via a blockchain data feed to smart contracts; Financial advisory and consultancy services, namely, creating personalized strategies relating to the exchange of digital assets, cryptocurrency, virtual currency, digital tokens, digital currency, decentralized application tokens and blockchain based assets. Software as a service (SAAS) services featuring software for the transmission of tokenization of assets; Data encryption services; Electronic data storage; Providing user authentication services using blockchain-based software technology for cryptocurrency transactions; Software as a service (SAAS) services featuring software for collecting, verifying, and transmitting data and information for use in blockchain-based smart contracts; Customizing, maintaining, and updating computer software used by others to develop blockchain-based software applications; Providing online, non-downloadable software for collecting, verifying, and transmitting information via a blockchain data feed to smart contracts; Authentication, issuance and validation of digital certificates; Providing temporary use of online non-downloadable software for cryptocurrency trading; Cryptocurrency staking services in the nature of providing online non-downloadable computer software platforms for validating cryptocurrency transaction data on blockchains; Providing temporary use of on-line non-downloadable computer software for use as an electronic wallet; Application service provider featuring application programming interface (API) software for user interface integration and developing customized cryptocurrency and blockchain trading orders, trading engines, and trading strategies; Platform as a service (PAAS) featuring computer software platforms for user interface integration and developing customized cryptocurrency and blockchain trading orders, trading engines, and trading strategies; Platform as a service (PAAS) featuring computer software platforms for enabling trading, lending, financing, and exchange of currency, digital currency, virtual currency, valuable tokens, and digital tokens in the field of online peer-to-peer currency financial services; Providing online non-downloadable computer software platforms for transmitting, processing, facilitating, verifying, and authenticating transaction
A method including determining whether to use a functional processing model or a machine-learning processing model and executing the functional processing model or the machine-learning processing model using as input the first input document to transform data in a first input document into the target data format, executing an extraction model using as input the data in the first input document in the target data format to generate first structured data, executing a compilation model using as input a plurality of structured data generated based on data in a set of input documents including the first input document to generate an aggregate structured data, and executing a synthesis model using as input the aggregate structured data and the plurality of structured data to generate an output data structure.
A method including determining whether to use a functional processing model or a machine-learning processing model and executing the functional processing model or the machine-learning processing model using as input the first input document to transform data in a first input document into the target data format, executing an extraction model using as input the data in the first input document in the target data format to generate first structured data, executing a compilation model using as input a plurality of structured data generated based on data in a set of input documents including the first input document to generate an aggregate structured data, and executing a synthesis model using as input the aggregate structured data and the plurality of structured data to generate an output data structure.
An apparatus includes a gantry including an arm to affix a transaction card to a card carrier, a conveyor to convey the card carrier to the gantry in a first direction, and a controller to receive inputs including a desired location on the card carrier and a desired orientation of the transaction card, determine a position of one or more edges of the card carrier, move the arm of the gantry based on the inputs in a second direction perpendicular to the first direction and in a third direction perpendicular to the first direction and the second direction based on the position of the one or more edges of the card carrier, rotate the arm based on the inputs in a fourth direction perpendicular to the second direction and the third direction, and affix the transaction card to the card carrier by the arm of the gantry.
B65G 43/10 - Sequence control of conveyors operating in combination
B65G 17/12 - Conveyors having an endless traction element, e.g. a chain, transmitting movement to a continuous or substantially-continuous load-carrying surface or to a series of individual load-carriersEndless-chain conveyors in which the chains form the load-carrying surface comprising a series of individual load-carriers fixed, or normally fixed, relative to traction element
42 - Scientific, technological and industrial services, research and design
Goods & Services
Software as a Service (SaaS) featuring an AI-driven platform for monitoring financial crimes and fraud by delivering unified data and behavioral profiling across customers, accounts and transactions to connect data, identity, fraud and compliance into a single intelligent ecosystem
42 - Scientific, technological and industrial services, research and design
Goods & Services
Software as a service (SAAS) services featuring software for collecting, storing, monitoring and reporting and claim handling for debit and credit card data processing conflicts and discrepancies
7.
SYSTEMS AND METHODS FOR SECURE ACTIVATION OF PREPAID CARDS
Implementations and examples described herein provide for prepaid gift cards, and processing of prepaid gift cards, having security measures to prevent fraudulent redemption of the prepaid gift cards.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
8.
SYSTEMS AND METHODS FOR SECURE ACTIVATION OF PREPAID CARDS
Implementations and examples described herein provide for prepaid gift cards, and processing of prepaid gift cards, having security measures to prevent fraudulent redemption of the prepaid gift cards.
G06Q 20/28 - Pre-payment schemes, i.e. "pay before"
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
9.
SYSTEMS AND METHODS FOR PROVIDING TRUSTED USER INTERFACE LAYOUTS
A point-of-sale system may include a customer-facing device including a customer-facing display, one or more first processors, and a first non-transitory, computer-readable medium including first instructions, a merchant-facing device including a merchant-facing display, one or more second processors, a second non-transitory, computer-readable medium including second instructions which cause the one or more second processors to, receive a signed data structure from a certificate authority trusted by the customer-facing device, transmit the signed data structure to the customer-facing device, the data structure defining a user interface for display on the customer-facing display for performance of a transaction, wherein the first instructions cause the one or more first processors to authenticate the signed data structure, render the user interface defined in the signed data structure on the customer-facing display, and receive user input via the user interface related to the transaction.
Implementations and examples described herein provide for integrating gift cards and gift card transactions into payment flows that include general payment networks, providing the functionality of closed-loop gift card systems within the wider payment networks and allowing for the use of gift cards with additional payment methods.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
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
11.
PROVISIONING OF DIGITAL STORED VALUE STRUCTURE IN SECURE LOCATION
Implementations and examples described herein provide for integrating gift cards and gift card transactions into payment flows that include general payment networks, providing the functionality of closed-loop gift card systems within the wider payment networks and allowing for the use of gift cards with additional payment methods.
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
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
12.
SYSTEMS AND METHODS FOR TRANSACTION PROCESSING OPTIMIZATION
A method may include receiving merchant input indicating a target level of security and a target level of transaction authorization, determining, based on the merchant input, a set of analytic services to be applied to transactions, the set of analytic services configured to generate data regarding a transaction, in response to receiving transaction data of a transaction associated with the merchant, automatically making API calls to the set of analytic services requesting data regarding the transaction, determining, based on the data regarding the transaction from the set of analytic services and the merchant input, whether to transmit an authorization request, in response to determining to transmit the authorization request, generating the authorization request based on the data regarding the transaction from the set of analytic services and the merchant input, and transmitting the authorization request to an issuer system.
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
G06F 3/04847 - Interaction techniques to control parameter settings, e.g. interaction with sliders or dials
13.
SYSTEMS AND METHODS FOR PROVIDING TRUSTED USER INTERFACE LAYOUTS
A point-of-sale system may include a customer-facing device including a customer-facing display, one or more first processors, and a first non-transitory, computer-readable medium including first instructions, a merchant-facing device including a merchant-facing display, one or more second processors, a second non-transitory, computer-readable medium including second instructions which cause the one or more second processors to, receive a signed data structure from a certificate authority trusted by the customer-facing device, transmit the signed data structure to the customer-facing device, the data structure defining a user interface for display on the customer-facing display for performance of a transaction, wherein the first instructions cause the one or more first processors to authenticate the signed data structure, render the user interface defined in the signed data structure on the customer-facing display, and receive user input via the user interface related to the transaction.
G07F 7/10 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card together with a coded signal
A method may include receiving merchant input indicating a target level of security and a target level of transaction authorization, determining, based on the merchant input, a set of analytic services to be applied to transactions, the set of analytic services configured to generate data regarding a transaction, in response to receiving transaction data of a transaction associated with the merchant, automatically making API calls to the set of analytic services requesting data regarding the transaction, determining, based on the data regarding the transaction from the set of analytic services and the merchant input, whether to transmit an authorization request, in response to determining to transmit the authorization request, generating the authorization request based on the data regarding the transaction from the set of analytic services and the merchant input, and transmitting the authorization request to an issuer system.
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
A system and method include determining, by a point of sale (POS) device, that new data is available at the POS device, in response to determining that new data is available, sending the new data to a cloud server, in response to determining that the new data is successfully transmitted to the cloud server, generating a synchronization request indicating availability of new data at the cloud server, identifying one or more kitchen display systems (KDS) to send the synchronization request to, and sending the synchronization request to each of the identified KDS. Each identified KDS retrieves the new data from the cloud server in response to receiving the synchronization request, and at least one of the KDS performs an action based on the new data in response to retrieving the new data. Each KDS follows a similar procedure when new data for the POS device is available at the KDS.
G06F 16/27 - Replication, distribution or synchronisation of data between databases or within a distributed database systemDistributed database system architectures therefor
G07G 1/14 - Systems including one or more distant stations co-operating with a central processing unit
16.
MACHINE-LEARNING MODELS FOR GENERATING AFFINITY PROFILES
A system comprising one or more processors and a computer-readable, non-transitory medium including instructions which, when executed by the one or more processors, cause at least one of the one or more processors to obtain transaction data including a first merchant and a first user, and train a machine-learning model using the transaction data by executing the machine-learning model using as input the transaction data to generate a first merchant embedding corresponding to the first merchant and a first user embedding corresponding to the first user determining a similarity between the first merchant embedding and the first user embedding, and updating the machine-learning model based on whether the first user made a purchase at the first merchant within a predetermined time period.
A system comprising one or more processors and a computer-readable, non-transitory medium including instructions which, when executed by the one or more processors, cause at least one of the one or more processors to obtain transaction data including a first merchant and a first user, and train a machine-learning model using the transaction data by executing the machine-learning model using as input the transaction data to generate a first merchant embedding corresponding to the first merchant and a first user embedding corresponding to the first user determining a similarity between the first merchant embedding and the first user embedding, and updating the machine-learning model based on whether the first user made a purchase at the first merchant within a predetermined time period.
A method may include obtaining merchant data for a plurality of merchants, adjusting the merchant data to obtain adjusted data based upon a ratio of data types in the merchant data, performing a first filtering operation on the plurality of merchants for identifying a first subset of small business merchants from the plurality of merchants, performing a second filtering operation on the first subset of small business merchants for identifying a second subset of small business merchants, applying one or more rules to the adjusted data of the second subset of small business merchants associated with a pre-determined criteria to obtain processed data for the second subset of small business merchants, calculating an index value for the second subset of small business merchants, and generating a report analyzing a trend based on the index value, the report comprising additional information for the second subset of small business merchants.
A system and method of identifying merchant logos may include one or more processors and a computer-readable, non-transitory medium including instructions which, when executed by the one or more processors, cause at least one of the one or more processors to obtain a logo image associated with a merchant, execute a logo detection machine-learning model using as input the logo image to determine whether the logo image is a logo, in response to determining that the image logo is a logo, execute a logo classification machine-learning architecture to identify the merchant.
G06V 10/70 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning
G06V 10/764 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using classification, e.g. of video objects
20.
SYSTEMS AND METHODS FOR GENERATING DYNAMIC SECURITY CODES
G06F 7/58 - Random or pseudo-random number generators
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
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
21.
SYSTEM AND METHOD FOR LEVERAGING PRE-TRAINED EMBEDDINGS TO DETECT AND MERGE MERCHANT DATA
A system including one or more processors and a computer-readable, non transitory medium including instructions which cause at least one of the one or more processors to obtain merchant data including a plurality of merchants, obtain a set of word embeddings extracted using a large language model, refine the set of word embeddings by executing a machine-learning model using as input the merchant data to obtain a set of merchant embeddings, determine a first cluster of first merchant embeddings and a second cluster of second merchant embeddings within the set of merchant embeddings, determine a first name for the first cluster based on the first embeddings and a second name for the second cluster based on the second embeddings, and merge the first cluster and the second cluster based on a similarity of the first name and the second name to obtain a merged cluster.
A system including one or more processors and a computer-readable, non-transitory medium including instructions which cause at least one of the one or more processors to obtain merchant data including a plurality of merchants, obtain a set of word embeddings extracted using a large language model, refine the set of word embeddings by executing a machine-learning model using as input the merchant data to obtain a set of merchant embeddings, determine a first cluster of first merchant embeddings and a second cluster of second merchant embeddings within the set of merchant embeddings, determine a first name for the first cluster based on the first embeddings and a second name for the second cluster based on the second embeddings, and merge the first cluster and the second cluster based on a similarity of the first name and the second name to obtain a merged cluster.
An apparatus may include a gantry configured to affix a transaction card to a card carrier, a conveyor configured to convey the card carrier to the gantry, a flipper system including a flipper arm configured to engage the card carrier and flip the card carrier onto the conveyor, and a controller. The controller is configured to receive an input including a desired location on the card carrier where the transaction card is to be affixed and a desired orientation of the transaction card on the card carrier, determine that the card carrier has been received by the flipper system, operate the flipper arm to engage the card carrier and flip the card carrier onto the conveyor, move the arm of the gantry based on the one or more inputs, and affix the transaction card to the card carrier by the gantry.
G07F 11/04 - Coin-freed apparatus for dispensing, or the like, discrete articles from non-movable magazines in which magazines the articles are stored one vertically above the other
B41J 13/12 - Sheet holders, retainers, or stationary guides specially adapted for cards, envelopes, or the like
B65H 29/24 - Delivering or advancing articles from machinesAdvancing articles to or into piles by air-blast or suction apparatus
An apparatus may include a gantry configured to affix a transaction card to a card carrier, a conveyor configured to convey the card carrier to the gantry, a flipper system including a flipper arm configured to engage the card carrier and flip the card carrier onto the conveyor, and a controller. The controller is configured to receive an input including a desired location on the card carrier where the transaction card is to be affixed and a desired orientation of the transaction card on the card carrier, determine that the card carrier has been received by the flipper system, operate the flipper arm to engage the card carrier and flip the card carrier onto the conveyor, move the arm of the gantry based on the one or more inputs, and affix the transaction card to the card carrier by the gantry.
B65H 37/04 - Article or web delivery apparatus incorporating devices for performing specified auxiliary operations for securing together articles or webs, e.g. by adhesive, stitching, or stapling
25.
SYSTEM AND METHOD FOR TRAINING AND USING A MACHINE-LEARNING MODEL TO CATEGORIZE TRANSACTIONS
A system and method of identifying merchant logos may include one or more processors and a computer-readable, non-transitory medium including instructions which, when executed by the one or more processors, cause at least one of the one or more processors to obtain a logo image associated with a merchant, execute a logo detection machine-learning model using as input the logo image to determine whether the logo image is a logo, in response to determining that the image logo is a logo, execute a logo classification machine-learning architecture to identify the merchant.
G06V 10/764 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using classification, e.g. of video objects
G06V 10/74 - Image or video pattern matchingProximity measures in feature spaces
G06V 20/70 - Labelling scene content, e.g. deriving syntactic or semantic representations
A point-of-sale (POS) device may include an input device to receive transaction data, a processor to process the transaction data, a storage memory to store the transaction data, a supercapacitor to provide power to the processor in response to a loss in power, and a voltage monitor to monitor an input voltage to the POS device to identify the loss in power and provide an alert to the processor indicating the loss in power, wherein, in response to the alert, the processor stores the transaction data in the storage memory.
A point-of-sale (POS) device may include an input device to receive transaction data, a processor to process the transaction data, a storage memory to store the transaction data, a supercapacitor to provide power to the processor in response to a loss in power, and a voltage monitor to monitor an input voltage to the POS device to identify the loss in power and provide an alert to the processor indicating the loss in power, wherein, in response to the alert, the processor stores the transaction data in the storage memory.
A point-of-sale (POS) device may include an input device to receive transaction data, a processor to process the transaction data, a storage memory to store the transaction data, a supercapacitor to provide power to the processor in response to a loss in power, and a voltage monitor to monitor an input voltage to the POS device to identify the loss in power and provide an alert to the processor indicating the loss in power, wherein, in response to the alert, the processor stores the transaction data in the storage memory.
A system may include a folding apparatus configured to fold a card carrier for affixing a transaction card to the card carrier and a processor which can receive a first input from a user regarding a number of folds desired in the card carrier and a location of the folds on the card carrier, receive a second input regarding one or more directions of the folds to be made on the card carrier, and transmit a signal to a positioner motor configured to position the card carrier based on the first input and the second input such that the folding apparatus folds the card carrier according to the first input and the second input.
09 - Scientific and electric apparatus and instruments
35 - Advertising and business services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Downloadable computer software using artificial intelligence (AI) for storing, managing, organizing, and controlling content and documents for financial institutions; Downloadable computer software using artificial intelligence (AI) for financial institutions to create customizable workflows; Downloadable application programming interface (API) software for incorporating and customizing features into a financial institution’s content management and workflow management platform; Downloadable computer software for storing, managing, organizing, and controlling content and documents for financial institutions; Downloadable computer software for financial institutions to create customizable workflows Business records management; Financial records management; Records management services, namely, document indexing for others; Providing an on-line computer web site that provides commercial financial transaction data, account management, financial reporting, accounting features and related reference information; Project management for others for business purposes in the field of content management and workflow management for financial institutions; Office functions in the nature of filing documents; Duplication of documents; Business assistance, advisory and consulting services in the field of assisting financial institutions in organizing and controlling their enterprise-wide content and document systems for offering financial services to their customers Artificial intelligence as a service (AIAAS) featuring software using artificial intelligence for database management; Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence (AI) for storing, managing, organizing, and controlling content and documents for financial institutions; Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence (AI) for financial institutions to create customizable workflows; Providing on-line non-downloadable software using artificial intelligence (AI) for storing, managing, organizing, and controlling content and documents for financial institutions; Providing on-line non-downloadable software using artificial intelligence (AI) for financial institutions to create customizable workflows; Application service provider featuring application programming interface (API) software for incorporating and customizing features into a financial institution’s content management and workflow management platform; Providing on-line non-downloadable software for storing, managing, organizing, and controlling content and documents for financial institutions; Providing on-line non-downloadable software for financial institutions to create customizable workflows
33.
SYSTEM AND METHOD FOR ANALYZING DATA SETS USING INDEXING
A method may include obtaining merchant data for a plurality of merchants, adjusting the merchant data to obtain adjusted data based upon a ratio of data types in the merchant data, performing a first filtering operation on the plurality of merchants for identifying a first subset of small business merchants from the plurality of merchants, performing a second filtering operation on the first subset of small business merchants for identifying a second subset of small business merchants, applying one or more rules to the adjusted data of the second subset of small business merchants associated with a pre-determined criteria to obtain processed data for the second subset of small business merchants, calculating an index value for the second subset of small business merchants, and generating a report analyzing a trend based on the index value, the report comprising additional information for the second subset of small business merchants.
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 mobile application for facilitating payment processing services in the field of card-present and card-not-present transactions; downloadable mobile application for facilitating payment processing services for credit card, debit card, gift card, and digital wallet payments; recorded and downloadable software for financial data analysis (1) Payment processing services in the field of card-present and card-not-present transactions in the nature of credit cards, debit cards, prepaid cards, gift cards, and digital wallets; payment processing services for credit card, debit card, gift card, and digital wallet payments; payment authorization services, namely, credit card, debit card, gift card, and digital wallet authorization services; financial data analysis
(2) Software-as-a-Service ("SaaS") services featuring software for facilitating payment processing services in the field of card-present and card-not-present transactions; Software-as-a-Service ("SaaS") services featuring software for facilitating payment processing services for credit card, debit card, gift card, and digital wallet payments; Software-as-a-Service ("SaaS") services featuring software for financial data analysis; computer security services in the nature of threat analysis for protecting data and information from unauthorized access
35.
SYSTEM AND METHOD FOR TRAINING AND USING A MACHINE-LEARNING MODEL TO CATEGORIZE TRANSACTIONS
A system and method of training a neural network for categorizing transactions may include one or more processors and a computer-readable, non-transitory medium including instructions which, when executed by the one or more processors, cause at least one of the one or more processors to obtain transaction data of a transaction, the transaction data including an amount and a description, apply a machine-learning model on the transaction data to extract a confidence vector, wherein the machine-learning model is trained to categorize transactions, determine whether a confidence score of a transaction category satisfies a predetermined threshold, in response to determining that the confidence score of the transaction category does not satisfy the predetermined threshold, augment the description of the transaction using additional data, and in response to determining that the confidence score of the transaction category satisfies the predetermined threshold, assign the transaction category to the transaction.
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 for banks, credit unions, and financial institutions to provide banking services; downloadable computer software for providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check, and electronic payments; downloadable computer software for point-of-sale services; downloadable computer software for merchant business management; computer hardware; downloadable computer operating software; downloadable computer software development tools; computer hardware and software systems featuring cash registers, payment terminals, receipt printers, and/or barcode scanners; mobile application for payment processing services in the field of card-present and card-not-present transactions; mobile application for payment processing services for credit card, debit card, prepaid card, gift card, and ewallet payments; software for financial data analysis. Banking services; online banking services; credit union services; credit and loan services; financing and loan services; issuing of credit cards; issuing of debit cards; issuing of stored value cards; Providing electronic processing of electronic funds transfer, of electronic money transfers across the Automated Clearing House (ACH) network, credit card, debit card, electronic check and electronic payments; providing a website featuring information in the field of banking; bill payment services; financial data analysis; financial information processing; merchant services, namely, payment transaction processing services; payment processing services in the field of card-present and card-not-present transactions; payment processing services for credit card, debit card, prepaid card, gift card, and ewallet payments; payment authorization services, namely, credit card, debit card, prepaid card, gift card, and ewallet authorization services. Software-as-a-Service (SAAS) services featuring software for banks, credit unions, and financial institutions to provide banking services; Software-as-a-Service (SAAS) services featuring software for providing electronic processing of electronic funds transfer, of electronic money transfers across the Automated Clearing House (ACH) network, credit card, debit card, electronic check, and electronic payments; Software-as-a-Service (SAAS) services featuring software for point-of-sale services; Software-as-a-Service (SAAS) services featuring software for business management; rental of computer hardware; rental of computer software for financial management; electronic monitoring of credit card activity to detect fraud via the internet; Software-as-a-Service (SAAS) services featuring software for data security, user authentication, and fraud detection; Software-as-a-Service (SaaS) services featuring computer software for payment processing services in the field of card-present and card-not-present transactions; Software-as-a-Service (SaaS) services featuring software for facilitating payment processing services for credit card, debit card, prepaid card, gift card, and ewallet payments; computer security services in the nature of threat analysis for protecting data and information from unauthorized access; Software-as-a-Service (SaaS) services featuring software for financial data analysis.
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
Magnetic coded cards for debit, credit, and prepaid financial transactions; Encoded electronic chip cards for debit, credit, and prepaid financial transactions; Downloadable software for digital banking services; Downloadable software for payroll processing, making payroll payments, and payroll management; Downloadable software for electronic funds transfer Payroll processing services; Payroll administration and management services; Payroll preparation; Data processing services in the field of payroll Banking services; Online banking services; Mobile banking services; Electronic funds transfer; Payment processing services in the field of payroll payments; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments Software as a service (SAAS) services featuring software for digital banking services; Software as a service (SAAS) services featuring software for payroll processing, making payroll payments, and payroll management; Software as a service (SAAS) services featuring software for electronic funds transfer
38.
HIGH-INTEGRITY OPAQUE-INSET PANEL ENVELOPE, AND METHOD FOR MANUFACTURING THE SAME
An apparatus to couple an inset panel to a back surface of a front panel of an envelope blank such that the inset panel substantially seals a window through the front panel of the envelope blank and is visible through the window of the front panel of the envelope blank, wherein a front surface of the front panel of the envelope blank has a first optical brightness, and wherein a first surface of the inset panel that is visible through the window has a second optical brightness that is more than or equal to about 1% greater than the first optical brightness.
B65D 27/16 - Closures using adhesive applied to integral parts, e.g. flaps using pressure-sensitive adhesive
B65D 27/00 - Envelopes or like essentially-rectangular flexible containers for postal or other purposes having no structural provision for thickness of contents
B65D 27/04 - Envelopes or like essentially-rectangular flexible containers for postal or other purposes having no structural provision for thickness of contents with apertures or windows for viewing contents
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 for banks, credit unions, and
financial institutions to provide banking services;
downloadable computer software for providing electronic
processing of electronic funds transfer, ACH, credit card,
debit card, electronic check, and electronic payments;
downloadable computer software for point-of-sale services;
downloadable computer software for merchant business
management; computer hardware; downloadable computer
operating software; downloadable computer software
development tools. Banking services; online banking services; credit union
services; credit and loan services; financing and loan
services; issuing of credit cards; issuing of debit cards;
issuing of stored value cards; providing electronic
processing of electronic funds transfer, ACH, credit card,
debit card, electronic check and electronic payments;
providing a website featuring information in the field of
banking (term considered too vague by the International
Bureau pursuant to Rule 13 (2) (b) of the Regulations); bill
payment services; financial data analysis; financial
information processing. Software-as-a-Service (SAAS) services featuring software for
banks, credit unions, and financial institutions to provide
banking services; Software-as-a-Service (SAAS) services
featuring software for providing electronic processing of
electronic funds transfer, ACH, credit card, debit card,
electronic check, and electronic payments;
Software-as-a-Service (SAAS) services featuring software for
point-of-sale services; Software-as-a-Service (SAAS)
services featuring software for business management; rental
of computer hardware; rental of computer software for
financial management; electronic monitoring of credit card
activity to detect fraud via the internet;
Software-as-a-Service (SAAS) services featuring software for
data security, user authentication, and fraud detection.
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 for banks, credit unions, and financial institutions to perform banking processes and manage financial accounts; Downloadable software for banks, credit unions, and financial institutions to initiate, manage, and support lending services, deposits, withdrawals, transfers, payments, and financial record keeping; Downloadable computer software for banks, credit unions, and financial institutions to provide customer support services to their customers and account holders Banking services; Online banking services; Credit union services Providing temporary use of on-line non-downloadable cloud computing software for banks, credit unions, and financial institutions to perform banking processes and manage financial accounts; Providing temporary use of on-line non-downloadable software for banks, credit unions, and financial institutions to initiate, manage, and support lending services, deposits, withdrawals, transfers, payments, and financial record keeping; Providing temporary use of on-line non-downloadable software for banks, credit unions, and financial institutions to provide customer support services to their customers and account holders
A system and method include determining, by a point of sale (POS) device, that new data is available at the POS device, in response to determining that new data is available, sending the new data to a cloud server, in response to determining that the new data is successfully transmitted to the cloud server, generating a synchronization request indicating availability of new data at the cloud server, identifying one or more kitchen display systems (KDS) to send the synchronization request to, and sending the synchronization request to each of the identified KDS. Each identified KDS retrieves the new data from the cloud server in response to receiving the synchronization request, and at least one of the KDS performs an action based on the new data in response to retrieving the new data. Each KDS follows a similar procedure when new data for the POS device is available at the KDS.
G06F 16/27 - Replication, distribution or synchronisation of data between databases or within a distributed database systemDistributed database system architectures therefor
G07G 1/14 - Systems including one or more distant stations co-operating with a central processing unit
A system and method include determining, by a point of sale (POS) device, that new data is available at the POS device, in response to determining that new data is available, sending the new data to a cloud server, in response to determining that the new data is successfully transmitted to the cloud server, generating a synchronization request indicating availability of new data at the cloud server, identifying one or more kitchen display systems (KDS) to send the synchronization request to, and sending the synchronization request to each of the identified KDS. Each identified KDS retrieves the new data from the cloud server in response to receiving the synchronization request, and at least one of the KDS performs an action based on the new data in response to retrieving the new data. Each KDS follows a similar procedure when new data for the POS device is available at the KDS.
Systems and methods involving secure connections between security meshes are disclosed herein. One disclosed device includes a first security processor located within a first security mesh, a first casing having a connector and supporting the first security mesh and the applications processor, a second security processor located within a second security mesh, and a second casing connected to the first casing via the connector and supporting the second security mesh. The first security processor and second security processor are programmed to generate a unique pre-shared key independently on both the first security processor and the second security processor using an elliptic key exchange and establish a secure connection between the first security processor and the second security processor using the unique pre-shared key.
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
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Banking services; online banking services; credit union services; credit and loan services; financing and loan services; issuing of credit cards; issuing of debit cards; issuing of stored value cards; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; providing a website featuring information in the field of banking; bill payment services; financial data analysis; financial information processing Software-as-a-Service (SAAS) services featuring software for banks, credit unions, and financial institutions to provide banking services; Software-as-a-Service (SAAS) services featuring software for providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check, and electronic payments; Software-as-a-Service (SAAS) services featuring software for point-of-sale services; Software-as-a-Service (SAAS) services featuring software for business management; rental of computer hardware; rental of computer software for financial management; electronic monitoring of credit card activity to detect fraud via the internet; Software-as-a-Service (SAAS) services featuring software for data security, user authentication, and fraud detection
Systems and methods for forming a verified secure wireless connection are disclosed. One system includes a first device with a first transceiver and a second device with a second transceiver. The second device does not include a display or any other means for providing high resolution visible light information. The system also includes a visible light signal source on the second device. The first and second devices store computer-readable instructions to initialize a secure wireless connection using the first transceiver and the second transceiver. The second device also stores computer-readable instructions to generate a visible light signal using the visible light source. The first device stores computer-readable instructions to verify the secure wireless connection using the visible light signal.
An apparatus may include a gantry including an arm configured to affix a transaction card to a card carrier, a conveyor configured to convey the card carrier to the gantry in a first direction, and a controller configured to receive inputs comprising at least a desired location on the card carrier where the transaction card is to be affixed and a desired orientation of the transaction card on the card carrier, move the arm of the gantry based on the inputs in a second direction perpendicular to the first direction and in a third direction perpendicular to the first direction and the second direction, rotate the arm based on the inputs in a fourth direction perpendicular to the second direction and the third direction, and affix the transaction card to the card carrier by the arm of the gantry.
B65G 43/10 - Sequence control of conveyors operating in combination
B65G 17/12 - Conveyors having an endless traction element, e.g. a chain, transmitting movement to a continuous or substantially-continuous load-carrying surface or to a series of individual load-carriersEndless-chain conveyors in which the chains form the load-carrying surface comprising a series of individual load-carriers fixed, or normally fixed, relative to traction element
A system may include a transaction card reader configured to detect an identifier of a transaction card to be affixed to a card carrier, a card carrier reader configured to detect an identifier of the card carrier, a transaction card stager comprising a plurality of compartments each configured to hold a transaction card, and a processor. The processor may receive, from the transaction card reader, the identifier of the transaction card, receive, from the card carrier reader, the identifier of the card carrier, and determine whether the identifier of the transaction card corresponds to the identifier of the card carrier. Based on the determination that the identifier of the transaction card corresponds to the identifier of the card carrier, the processor may select a first compartment of the plurality of compartments to place the transaction card.
B65G 43/10 - Sequence control of conveyors operating in combination
B65G 17/12 - Conveyors having an endless traction element, e.g. a chain, transmitting movement to a continuous or substantially-continuous load-carrying surface or to a series of individual load-carriersEndless-chain conveyors in which the chains form the load-carrying surface comprising a series of individual load-carriers fixed, or normally fixed, relative to traction element
An apparatus may include a gantry including an arm configured to affix a transaction card to a card carrier, a conveyor configured to convey the card carrier to the gantry in a first direction, and a controller configured to receive inputs comprising at least a desired location on the card carrier where the transaction card is to be affixed and a desired orientation of the transaction card on the card carrier, move the arm of the gantry based on the inputs in a second direction perpendicular to the first direction and in a third direction perpendicular to the first direction and the second direction, rotate the arm based on the inputs in a fourth direction perpendicular to the second direction and the third direction, and affix the transaction card to the card carrier by the arm of the gantry.
A system may include a folding apparatus configured to fold a card carrier for affixing a transaction card to the card carrier and a processor which can receive a first input from a user regarding a number of folds desired in the card carrier and a location of the folds on the card carrier, receive a second input regarding one or more directions of the folds to be made on the card carrier, and transmit a signal to a positioner motor configured to position the card carrier based on the first input and the second input such that the folding apparatus folds the card carrier according to the first input and the second input.
An apparatus may include a gantry including an arm configured to affix a transaction card to a card carrier, a conveyor configured to convey the card carrier to the gantry in a first direction, and a controller configured to receive inputs comprising at least a desired location on the card carrier where the transaction card is to be affixed and a desired orientation of the transaction card on the card carrier, move the arm of the gantry based on the inputs in a second direction perpendicular to the first direction and in a third direction perpendicular to the first direction and the second direction, rotate the arm based on the inputs in a fourth direction perpendicular to the second direction and the third direction, and affix the transaction card to the card carrier by the arm of the gantry.
A high-integrity opaque-inset panel envelope includes a front panel formed from a printable material, one or more apertures being defined therethrough, one or more flaps extending from the edges of the front panel, and one or more opaque inset panels/labels disposed on an inner surface of the front panel to cover the one or more apertures. Opaque inset panels can have an optical brightness about 1-6% greater than the optical brightness of the printable material. The envelope can be formed by removing portions of a printable material to form one or more flaps about a front panel and one or more apertures through the front panel and disposing one or more opaque inset panels to an inner surface of the front panel, such that the one or more opaque inset panels covers the one or more apertures.
B65D 27/16 - Closures using adhesive applied to integral parts, e.g. flaps using pressure-sensitive adhesive
B65D 27/00 - Envelopes or like essentially-rectangular flexible containers for postal or other purposes having no structural provision for thickness of contents
B65D 27/04 - Envelopes or like essentially-rectangular flexible containers for postal or other purposes having no structural provision for thickness of contents with apertures or windows for viewing contents
42 - Scientific, technological and industrial services, research and design
Goods & Services
Providing on-line non-downloadable software for financial institutions using artificial intelligence for querying, analyzing, tracking, and displaying financial data from financial institution databases; Providing online non-downloadable software for a financial institution to use in compiling and organizing business intelligence related to the potential offer of products and services for the financial institution's customers; Providing subscription-based temporary use of on-line non-downloadable software for delivering financial data, analytics and performance metrics to a dashboard for use by financial institutions to determine what products and services to provide their customers and methods for delivering the products and services to those customers; Providing temporary use of online non- downloadable simulation software for financial institutions to engage in modeling business performance of financial institution products and services; Software as a service (SAAS) services featuring software for financial institutions to engage in querying, integrating, managing, analyzing, and displaying financial data from financial institution databases
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Accounts payable debiting services; Bill payment services; Bill payment services provided through a website; Electronic funds transfer; Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Financial information provided by electronic means in the field of bill payment, invoicing, and receivables; Payment processing services in the field of invoice and digital bill payments; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments Software as a service (SAAS) services featuring software for bill payment, accounts payable services, invoicing services, accounts receivable services, payment processing, designation of payment methods, tracking spending, and reviewing transaction information
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Software-as-a-Service (SaaS) services featuring software for customizing marketing campaigns; Software-as-a-Service (SaaS) services featuring software for customizing customer communications; Software-as-a-Service (SaaS) services featuring software for identifying customer needs and producing targeted marketing communications; Software-as-a-Service (SaaS) services featuring software to allow a user to define business rules for its marketing collateral and communications; Software-as-a-Service (SaaS) services featuring software for conducting analytics on customers and marketing campaigns; Software-as-a-Service (SaaS) services featuring software for generating plastic cards, cardholder correspondence, and account statements for use by credit, debit, stored value, and smart card issuers in connection with direct mailings and marketing campaigns
Systems and methods for automated product recommendation are disclosed herein. This can include generating an entry, the entry corresponding to an item selected for purchase, in a mirror-cart linked with a user account and identifying a recipe associated with the selected item. This can include comparing items identified in the recipe to items contained in the mirror-cart to identify a missing item that is not in the mirror-cart, and then prompting the user to purchase the missing item. Automated product recommendation can include generating an entry in the mirror-cart linked to the missing item when the user selects the missing item for purchase, updating an invoice with price information for the selected missing item, and transferring the invoice to a point of sale terminal at the retail location.
42 - Scientific, technological and industrial services, research and design
Goods & Services
Software-as-a-Service (SaaS) services featuring software for customizing marketing campaigns; Software-as-a-Service (SaaS) services featuring software for customizing customer communications; Software-as-a-Service (SaaS) services featuring software for identifying customer needs and producing targeted marketing communications; Software-as-a-Service (SaaS) services featuring software to allow a user to define business rules for its marketing collateral and communications; Software-as-a-Service (SaaS) services featuring software for conducting analytics on customers and marketing campaigns; Software-as-a-Service (SaaS) services featuring software for generating plastic cards, cardholder correspondence, and account statements for use by credit, debit, stored value, and smart card issuers in connection with direct mailings and marketing campaigns
62.
Visible light communication for verifying a secure wireless connection
Systems and methods for forming a verified secure wireless connection are disclosed. One system includes a first device with a first transceiver and a second device with a second transceiver. The second device does not include a display or any other means for providing high resolution visible light information. The system also includes a visible light signal source on the second device. The first and second devices store computer-readable instructions to initialize a secure wireless connection using the first transceiver and the second transceiver. The second device also stores computer-readable instructions to generate a visible light signal using the visible light source. The first device stores computer-readable instructions to verify the secure wireless connection using the visible light signal.
A high-integrity opaque-inset panel envelope includes a front panel formed from a printable material, one or more apertures being defined therethrough, one or more flaps extending from the edges of the front panel, and one or more opaque inset panels/labels disposed on an inner surface of the front panel to cover the one or more apertures. Opaque inset panels can have an optical brightness about 1-6% greater than the optical brightness of the printable material. The envelope can be formed by removing portions of a printable material to form one or more flaps about a front panel and one or more apertures through the front panel and disposing one or more opaque inset panels to an inner surface of the front panel, such that the one or more opaque inset panels covers the one or more apertures.
B65D 27/16 - Closures using adhesive applied to integral parts, e.g. flaps using pressure-sensitive adhesive
B65D 27/00 - Envelopes or like essentially-rectangular flexible containers for postal or other purposes having no structural provision for thickness of contents
B65D 27/04 - Envelopes or like essentially-rectangular flexible containers for postal or other purposes having no structural provision for thickness of contents with apertures or windows for viewing contents
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
Point-of-sale terminals; downloadable computer software for point-of-sale services, namely, for managing and validating payment transactions; downloadable computer software for merchant services, namely for processing payments; downloadable computer software for inventory management; downloadable computer software for placing, managing, and fulfilling orders; downloadable computer software for customer relationship management; magnetically or digitally encoded credit, debit and prepaid cards for use in point-of-sale transactions and payment processing; downloadable computer software for financial risk management; downloadable computer software for cash management; downloadable computer software for enterprise performance management; downloadable computer software for enterprise content management; downloadable computer software for loan origination; downloadable computer software for loan servicing; downloadable computer software for use in financial services, accounting services, banking services, and management of financial, accounting, and banking services; downloadable computer software for use by entities offering financial services to their customers, namely, software to perform new account processing, teller transaction processing, loan processing, accounting functions, and management information reporting; downloadable computer software for conducting online banking services; downloadable computer software used for facilitating secure transactions on mobile applications; downloadable computer software to enable users to initiate banking and financial transactions via a wireless communication device, namely, software to initiate electronic funds transfers, electronic payments, person-to person money transfers, and person-to-person electronic payments; downloadable computer software to enable users to access transaction and account information in connection with electronic funds transfers and electronic payments Payment processing services, namely, credit card, debit card, prepaid cards, electronic funds transfer, ACH, and digital wallet transaction processing services; credit, debit, and prepaid card control services, namely, card authorization, setting card purchase limits, card purchase authorization, and card activation and deactivation; mobile banking services; financial services, namely, money lending services; merchant services, namely, card acquiring services, merchant banking services, and point of sale financial transaction processing services; card issuing services; cash advance services for businesses, consumers, and merchants; check processing, namely, check verification, authorization, and acceptance services; electronic check cashing services; automatic teller machine (ATM) services; financial management services, namely, account management and debt collection services; financial research services; currency exchange services; financial information processing in the nature of core account processing services; financial risk management services; financial information services, namely, presentation of electronic statements; cash management services; Financial management services, namely, enterprise financial performance management servicesandenterprise financial content management services; Financial information processing, in the nature of financial data processing services; online banking services, namely, providing bank, deposit, credit, checking account balance information via a global communications network, online funds transfer services, online bill payment services, online bank, deposit, credit, and checking account opening services Software as a Service (SaaS) services featuring software for payment processing; Software as a Service (SaaS) services featuring software for analyzing credit and debit card expenditures; data encryption and data security services; Software as a Service (SaaS) services featuring software for data processing and financial services; Software as a Service (SaaS) services featuring software for conducting financial and business data analysis; Software as a Service (SaaS) services featuring software for inventory management; Software as a Service (SaaS) services featuring software for placing, managing, and fulfilling orders; Software as a Service (SaaS) services featuring software for merchant services, namely, for processing payments; Software as a Service (SaaS) services featuring software for customer relationship management; Software as a Service (SaaS) services featuring software for financial risk management; Software as a Service (SaaS) services featuring software for cash management; Software as a Service (SaaS) services featuring software for enterprise performance management; Software as a Service (SaaS) services featuring software for enterprise content management; Software as a Service (SaaS) services featuring software for loan origination; Software as a Service (SaaS) services featuring software for loan servicing
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 the operational management and
control of physical and electronic cards; downloadable
software for opening and managing card accounts;
downloadable software for creating, submitting, and
reviewing expense reports and management reports;
downloadable software for payment processing; downloadable
software for conducting data analytics. Credit card management services, namely, services for the
operational management and control of physical and
electronic cards; card services, namely, card account
opening and card account management services; payment
processing services. Software-as-a-Service (SAAS) services for the operational
management and control of physical and electronic cards;
Software-as-a-Service (SAAS) services for opening and
managing card accounts; Software-as-a-Service (SAAS)
services for creating, submitting, and reviewing expense
reports and management reports; Software-as-a-Service (SAAS)
services for payment processing; Software-as-a-Service
(SAAS) services for conducting data analytics.
67.
Hardware device for entering a pin via tapping on a touch screen display
A device and associated methods for entering a PIN via tapping are disclosed. The device can be configured to determine a number of taps provided by a PIN holder on a touch sensor in representation of a PIN digit and to store the number of taps as a digit in a sequence that represents the PIN. Indications for interaction with the device can be provided to PIN holders in the form of auditory cues. A visually impaired PIN holder may be able to complete a PIN entry process by following the indications for interaction, tapping on a touch sensor a number of times equal to the value of the digit of the PIN to be entered, and performing gestures mapped to commands for the device.
G06F 3/048 - Interaction techniques based on graphical user interfaces [GUI]
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
G06F 3/01 - Input arrangements or combined input and output arrangements for interaction between user and computer
G06F 3/0488 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures
G09B 21/00 - Teaching, or communicating with, the blind, deaf or mute
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 software to facilitate the issuance of credit cards, debit cards and digital wallets, for use in credit card, debit card, and digital wallet payment processing, and to allow users to access their interactive banking services and debit card services; downloadable software for electronic protection of cardholder information being data tokenization and encryption services for providing security and anonymity for electronically transmitted credit card, debit card, and digital wallet transactions; downloadable software for providing electronic alerts to alert credit card, debit card, and digital wallet regarding card or wallet use (1) Credit card, debit card, and digital wallet management services to facilitate the issuance of credit cards, debit cards and digital wallets; credit card, debit card, and digital wallet management services, namely credit card, debit card and digital wallet payment processing services; credit card, debit card, and digital wallet management services, namely, account management services, namely services to allow card activation and deactivation by the card user; credit card, debit card, and electronic wallet transaction processing services; credit card, debit card, and electronic wallet transaction authentication and verification services; daily monitoring of financial transactions and account balances for credit card, debit cards, and electronic wallets; providing notification of credit card, debit card and electronic wallet account balances via e-mail alerts; credit card, debit card, and electronic wallet account management services, namely automated fee processing and statement production
(2) Software as a service (SaaS) services featuring software to issue and manage credit cards, debit cards, and digital wallets; Software as a Service (SaaS) featuring software for credit card, debit card, and digital wallet management services, namely, services to support issuance and management of credit cards, debit cards, and digital wallets; Software as a Service (SaaS) services featuring software for electronic protection of cardholder information being data tokenization and encryption services for providing security and anonymity for electronically transmitted credit card, debit card, and digital wallet transactions; and electronic monitoring of credit card, debit card, and digital wallet 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 for the operational management and control of physical and electronic cards; downloadable computer software for opening and managing card accounts; downloadable computer software for creating, submitting, and reviewing expense reports and management reports; downloadable computer software for payment processing; downloadable computer software for conducting data analytics Credit card management services, namely, services for the operational management and control of physical and electronic cards in the nature of listing, authorizing, and processing of payments; financial administration of credit and debit card accounts, namely, card account opening and card account management services; credit card, debit card, prepaid card, and ACH payment processing services Software-as-a-Service (SAAS) services featuring software for the operational management and control of physical and electronic cards; Software-as-a-Service (SAAS) services featuring software for opening and managing card accounts; Software-as-a-Service (SAAS) services featuring software for creating, submitting, and reviewing expense reports and management reports; Software-as-a-Service (SAAS) services featuring software for payment processing; Software-as-a-Service (SAAS) services featuring software for conducting data analytics
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) Computer hardware systems for point-of-sale services, namely terminals, bar code readers, touchscreen monitors, computer keyboards and multifunction keyboards, bar code printers and computer printers, and barcode scanners and computer scanners; computer software systems for point-of-sale services, namely, inventory management, payment processing, user authentication services in e-commerce transactions, customer tracking and management, facilitating the process, tracking, and delivery of customer orders, and operating system software (1) Electronic payment, namely, electronic processing and transmission of payment data utilizing mobile devices; merchant services, namely, payment transaction processing services
(2) Software as a Service (SaaS) featuring computer software for point-of-sale services, namely inventory management, payment processing, user authentication services in e-commerce transactions, customer tracking and management, and to facilitate the processing, tracking and delivery of customer orders, not including any such services relating to amusement arcades and casinos and not including such services in the field of transport and logistics
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
Computer hardware and software systems for point of sale systems comprised primarily of point-of-sale terminals, bar code readers, touchscreen monitors, keyboards, document printers, scanners, and recorded or downloadable operating software Electronic payment, namely, electronic processing and transmission of payment data utilizing mobile devices; merchant services, namely, payment transaction processing services Software as a Service (SaaS) featuring computer software for point-of-sale services, not including any such services relating to amusement arcades or casinos and not including the services in this class in the field of transport and logistics
36 - Financial, insurance and real estate services
Goods & Services
Payment processing services in the field of card-present and card-not-present transactions in the nature of credit cards, debit cards, prepaid cards, gift cards, and digital wallets; payment processing services for credit card, debit card, gift card, and digital wallet payments; payment authorization services, namely, credit card, debit card, gift card, and digital wallet authorization services; financial data analysis
36 - Financial, insurance and real estate services
Goods & Services
Financial and banking services, namely, payment verification services using credit cards, debit cards, gift cards, ewallets, and mobile apps as payment acceptance methods; financial services, namely, banking transactions, electronic funds transfer, electronic payment processing services involving electronic processing and subsequent transmission of payment data, electronic commerce payment processing services, featuring payment transactions using credit card, debit card, gift card, ewallet, and/or mobile app, merchant payment transaction processing services, payment acceptance transactions using credit cards, debit cards, gift cards, e-wallets and mobile apps; electronic payment services, namely, electronic debit card processing and transmission of payment data; electronic payment transaction processing services accessible by means of downloadable mobile applications; financial services, namely, disbursements processing in the nature of check processing, and financial data analytics
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 issue and manage credit cards, debit cards, and digital wallets; downloadable computer software for credit card, debit card, and digital wallet management services, namely, services to support issuance and management of credit cards, debit cards, and digital wallets; downloadable computer software for electronic protection of cardholder information being data tokenization and encryption services for providing security and anonymity for electronically transmitted credit card, debit card, and digital wallet transactions; downloadable computer software for providing electronic alerts to alert credit card, debit card, and digital wallet regarding card or wallet use Financial management via the internet, namely, credit card, debit card, and digital wallet management services to support issuance and management of credit cards, debit cards, and digital wallets; financial administration of credit card, debit card, and digital wallet accounts, namely, card account opening, digital and physical card issuance, implementing card controls in the nature of allowing card usage to be activated, deactivated, or constrained, providing electronic alerts that alert credit card, debit card, and digital wallet users when a transaction exceeds a certain amount; debit, credit, and prepaid card payment processing services; card usage analytics in the nature of financial analysis, namely, compiling and analyzing statistics, data and other sources of information for financial purposes electronic monitoring of credit card, debit card, digital wallet activity to detect fraud via the internet
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Financial and banking services, namely, payment services
using credit cards, debit cards, gift cards, ewallets, and
mobile apps as payment acceptance methods; financial
services, namely, banking transactions and payments,
electronic funds transfer, electronic payment processing
services involving electronic processing and subsequent
transmission of payment data, electronic commerce credit
card, debit card, gift card, ewallet, and/or mobile app
payment processing services, merchant payment transaction
processing services, payment acceptance transactions using
credit cards, debit cards, gift cards, e-wallets and mobile
apps; electronic payment services, namely, electronic
processing and transmission of payment data; electronic
payment transaction processing services accessible by means
of downloadable mobile applications; credit card, debit
card, gift card, ewallet, and/or mobile app authorization
optimization services; financial services, namely,
disbursements processing, and financial data analytics. Software-as-a-service [SaaS] featuring payment gateway
software for linking e-commerce website to card processing
networks; data security services namely for protecting data
confidentiality, data integrity, identity protection,
verification of financial transactions, fraud mitigation,
and electronic monitoring and verification of payment
activity and financial transactions to detect fraud.
76.
Hardware device for entering a PIN via tapping on a touch screen display
A device and associated methods for entering a PIN via tapping are disclosed. The device can be configured to determine a number of taps provided by a PIN holder on a touch sensor in representation of a PIN digit and to store the number of taps as a digit in a sequence that represents the PIN. Indications for interaction with the device can be provided to PIN holders in the form of auditory cues. A visually impaired PIN holder may be able to complete a PIN entry process by following the indications for interaction, tapping on a touch sensor a number of times equal to the value of the digit of the PIN to be entered, and performing gestures mapped to commands for the device.
G06F 3/048 - Interaction techniques based on graphical user interfaces [GUI]
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
G06F 3/01 - Input arrangements or combined input and output arrangements for interaction between user and computer
G06F 3/0488 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures
G09B 21/00 - Teaching, or communicating with, the blind, deaf or mute
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network Software-as-a-Service (SaaS) services featuring software for processing and routing payments through automated banking clearing house systems and networks
78.
HARDWARE DEVICE FOR ENTERING A PIN VIA TAPPING ON A TOUCH SCREEN DISPLAY
A device and associated methods for entering a PIN via tapping are disclosed. The device can be configured to determine a number of taps provided by a PIN holder on a touch sensor in representation of a PIN digit and to store the number of taps as a digit in a sequence that represents the PIN. Indications for interaction with the device can be provided to PIN holders in the form of auditory cues. A visually impaired PIN holder may be able to complete a PIN entry process by following the indications for interaction, tapping on a touch sensor a number of times equal to the value of the digit of the PIN to be entered, and performing gestures mapped to commands for the device.
A device and associated methods for entering a PIN via tapping are disclosed. The device can be configured to determine a number of taps provided by a PIN holder on a touch sensor in representation of a PIN digit and to store the number of taps as a digit in a sequence that represents the PIN. Indications for interaction with the device can be provided to PIN holders in the form of auditory cues. A visually impaired PIN holder may be able to complete a PIN entry process by following the indications for interaction, tapping on a touch sensor a number of times equal to the value of the digit of the PIN to be entered, and performing gestures mapped to commands for the device.
Various embodiments are directed to systems and methods enabling cardless cash withdrawals from ATMs and/or other funds dispensing system. In various embodiments, a finite-duration access code is generated and associated with an account from which funds are to be withdrawn in response to a validated request generated at a mobile app operating on a user's mobile computing device. The access code is provided to the user (e.g., via the mobile app), who can then provide the finite-duration access code and an associated PIN to the funds dispensing system. The funds dispensing system transmits the received access code and/or PIN to servers to validate the request. The servers compare the transmitted data against stored data associated with the user's account, and generates a verification response to be transmitted to the funds dispensing system upon verification. The funds dispensing system then provides the requested cash to the user.
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
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
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Credit card, debit card, and digital wallet management services for financial institutions, namely, issuance of credit cards, debit cards, and electronic wallets; charge card, debit card, and credit card payment processing services; credit card, debit card, and electronic wallet transaction processing services, and authentication and verification services; daily monitoring of financial transactions and account balances for credit card, debit cards, and electronic wallets, and providing notification of account balances via e-mail alerts; credit card, debit card, and electronic wallet account management services, namely automated fee processing and statement production
(2) Software-as-a-service (SaaS) services for financial institutions, namely, SaaS services permitting financial institutions to support issuance and management of credit cards, debit cards, and digital wallets featuring non-downloadable software for encrypting data, for data privacy management, for electronic monitoring of credit card activity to detect fraud via the Internet, and for on-line security services, namely, providing security and anonymity for electronically transmitted credit card, debit card, payment card and electronic wallet transactions
82.
VISIBLE LIGHT COMMUNICATION FOR VERIFYING A SECURE WIRELESS CONNECTION
Systems and methods for forming a verified secure wireless connection are disclosed. One system includes a first device with a first transceiver and a second device with a second transceiver. The second device does not include a display or any other means for providing high resolution visible light information. The system also includes a visible light signal source on the second device. The first and second devices store computer-readable instructions to initialize a secure wireless connection using the first transceiver and the second transceiver. The second device also stores computer-readable instructions to generate a visible light signal using the visible light source. The first device stores computer-readable instructions to verify the secure wireless connection using the visible light signal.
Systems and methods for forming a verified secure wireless connection are disclosed. One system includes a first device with a first transceiver and a second device with a second transceiver. The second device does not include a display or any other means for providing high resolution visible light information. The system also includes a visible light signal source on the second device. The first and second devices store computer-readable instructions to initialize a secure wireless connection using the first transceiver and the second transceiver. The second device also stores computer-readable instructions to generate a visible light signal using the visible light source. The first device stores computer-readable instructions to verify the secure wireless connection using the visible light signal.
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
Systems and methods for forming a verified secure wireless connection are disclosed. One system includes a first device with a first transceiver and a second device with a second transceiver. The second device does not include a display or any other means for providing high resolution visible light information. The system also includes a visible light signal source on the second device. The first and second devices store computer-readable instructions to initialize a secure wireless connection using the first transceiver and the second transceiver. The second device also stores computer-readable instructions to generate a visible light signal using the visible light source. The first device stores computer-readable instructions to verify the secure wireless connection using the visible light signal.
Systems and methods for forming a verified secure wireless connection are disclosed. One system includes a first device with a first transceiver and a second device with a second transceiver. The second device does not include a display or any other means for providing high resolution visible light information. The system also includes a visible light signal source on the second device. The first and second devices store computer-readable instructions to initialize a secure wireless connection using the first transceiver and the second transceiver. The second device also stores computer-readable instructions to generate a visible light signal using the visible light source. The first device stores computer-readable instructions to verify the secure wireless connection using the visible light signal.
Systems and methods involving secure connections between security meshes are disclosed herein. One disclosed device includes a first security processor located within a first security mesh, a first casing having a connector and supporting the first security mesh and the applications processor, a second security processor located within a second security mesh, and a second casing connected to the first casing via the connector and supporting the second security mesh. The first security processor and second security processor are programmed to generate a unique pre-shared key independently on both the first security processor and the second security processor using an elliptic key exchange and establish a secure connection between the first security processor and the second security processor using the unique pre-shared key.
Systems and methods involving secure connections between security meshes are disclosed herein. One disclosed device includes a first security processor located within a first security mesh, a first casing having a connector and supporting the first security mesh and the applications processor, a second security processor located within a second security mesh, and a second casing connected to the first casing via the connector and supporting the second security mesh. The first security processor and second security processor are programmed to generate a unique pre-shared key independently on both the first security processor and the second security processor using an elliptic key exchange and establish a secure connection between the first security processor and the second security processor using the unique pre-shared key.
Systems and methods involving secure connections between security meshes are disclosed herein. One disclosed device includes a first security processor located within a first security mesh, a first casing having a connector and supporting the first security mesh and the applications processor, a second security processor located within a second security mesh, and a second casing connected to the first casing via the connector and supporting the second security mesh. The first security processor and second security processor are programmed to generate a unique pre-shared key independently on both the first security processor and the second security processor using an elliptic key exchange and establish a secure connection between the first security processor and the second security processor using the unique pre-shared key.
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
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Payment processing services in the field of card-present and card-not-present transactions in the nature of credit cards, debit cards, prepaid cards, gift cards, and digital wallets; payment processing services for credit card, debit card, gift card, and digital wallet payments; payment authorization services, namely, credit card, debit card, gift card, and digital wallet authorization services; financial data analysis. Software-as-a-Service (SaaS) services featuring software for facilitating payment processing services in the field of card-present and card-not-present transactions; Software-as-a-Service (SaaS) services featuring software for facilitating payment processing services for credit card, debit card, gift card, and digital wallet payments; Software-as-a-Service (SaaS) services featuring software for financial data analysis; computer security services in the nature of threat analysis for protecting data and information from unauthorized access.
90.
CARD ACCOUNT IDENTIFIERS ASSOCIATED WITH CONDITIONS FOR TEMPORARY USE
Systems, methods and computer-readable media are disclosed for providing a cardholder with a token corresponding to a card account identifier for temporary use in emergency situations in which an existing card account identifier has potentially been compromised, as a result of theft or loss of a transaction card or other potential misappropriation of the existing identifier, or situations in which the existing identifier is otherwise unavailable for use. The card account identifier for temporary use may be associated with conditions that restrict the manner and scope according to which the identifier may be used to gain access to funds. The token is provided to a funds dispensing system that is configured to construct the corresponding card account identifier from the token and initiate a financial transaction using the card account identifier.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
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
Computer software and hardware for use in connection with payment services and business management services; application downloads. Payment services. Design, development, installation, updating and maintenance of computer software for use in connection with digital banking, electronic funds transfer, electronic payment processing, and business tools; Design, development of computer hardware for use in connection with digital banking, electronic funds transfer, electronic payment processing, and business tools.
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Card issuer services, namely account origination in the nature of originating credit, debit, and prepaid card accounts, financial portfolio management and data access in the nature of providing information about financial accounts, customer servicing in the nature of providing customer advice and consultation in the field of originating credit, debit and prepaid payment card accounts, collections management in the nature of collection of debts, and dispute management in the nature of managing and resolving disputed charges to credit, debit, and prepaid payment card accounts; lending services, namely loan origination, loan processing in the nature of loan origination, loan servicing, loan payment processing, and loan retirement, and loan customer servicing in the nature of financial loan customer support and consultation in the field of loan processing in the nature of loan origination, loan servicing, loan payment processing, and loan retirement
(2) Software as a service (SAAS) services featuring software for card issuer services, namely, account origination, portfolio management and for collecting and analyzing financial information, metadata and metrics of customers, and for providing access to financial information and market data and trends, fraud detection and management, for managing, administering, and responding to customer support and customer service inquiries, collections management, and dispute management; software as a service (SAAS) services featuring software for managing, administering, and responding to customer support and customer service inquiries; software as a service (SAAS) services featuring software for lending services, namely, loan origination, loan processing, and loan customer servicing; electronic monitoring of credit, debit, and prepaid card activity and merchant acquirer processing to detect fraud via the internet
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Credit card, debit card, and digital wallet management services for financial institutions, namely, services allowing financial institutions to support issuance and management of credit cards, debit cards, and digital wallets. Software-as-a-service (SaaS) services for financial institutions, namely, SaaS services permitting financial institutions to support issuance and management of credit cards, debit cards, and digital wallets.
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
ATM banking services, namely, card present and card not present ATM services; financial services, namely, card present and card not present cash withdrawal services and card present and card not present electronic funds transfer services Software as a Service (SaaS) services for banking and financial transactions, featuring software to initiate card present and card not present electronic funds transfers and card present and card not present cash withdrawals
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Credit card, debit card, and digital wallet management services for financial institutions being services that allow financial institutions to support issuance and management of credit cards, debit cards, and digital wallets, namely, financial administration of credit card, debit card, and digital wallet accounts, namely, card account opening, digital and physical card issuance, implementing card controls in the nature of allowing card usage to be activated, deactivated, or constrained, providing electronic alerts that alert credit card, debit card, and digital wallet users when a transaction exceeds a certain amount, card payment processing services, and card usage analytics in the nature of financial analysis, namely, compiling and analyzing statistics, data and other sources of information for financial purposes Software as a service (SaaS) services featuring software for financial institutions to issue and manage credit cards, debit cards, and digital wallets; Credit card, debit card, and digital wallet management services for financial institutions, namely, services allowing financial institutions to support issuance and management of credit cards, debit cards, and digital wallets, namely, electronic protection of cardholder information being data tokenization and encryption services for providing security and anonymity for electronically transmitted credit card, debit card, and digital wallet transactions and electronic monitoring of credit card, debit card, and digital wallet 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
Mobile application for payment processing services in the field of card-present and card-not present transactions; mobile application for payment processing services for credit card, debit card, gift card, and e-Wallet payments; software for financial data analysis. Payment processing services in the field of card-present and card-not-present transactions; payment processing services for credit card, debit card, gift card, and e-Wallet payments; payment authorization services, namely, credit card, debit card, gift card, and e-Wallet authorization services; financial data analysis. Software-as-a-Service (SaaS) services for payment processing services in the field of card-present and card-not-present transactions; Software-as-a-Service (SaaS) services for payment processing services for credit card, debit card, gift card, and e-Wallet payments; Software-as-a-Service (SaaS) services for financial data analysis; computer security services for protecting data and information from unauthorized access.
Systems and methods for automated product recommendation are disclosed herein. This can include generating an entry, the entry corresponding to an item selected for purchase, in a mirror-cart linked with a user account and identifying a recipe associated with the selected item. This can include comparing items identified in the recipe to items contained in the mirror-cart to identify a missing item that is not in the mirror-cart, and then prompting the user to purchase the missing item. Automated product recommendation can include generating an entry in the mirror-cart linked to the missing item when the user selects the missing item for purchase, updating an invoice with price information for the selected missing item, and transferring the invoice to a point of sale terminal at the retail location.
Systems and methods for dynamic creation of virtual-cart enabled purchasing in an in-store environment and automated product recommendation are disclosed herein. Virtual cart enabled purchasing can include receiving a user identifier and creating a mirror-cart linked with the received user identifier. An entry in the mirror-cart can be generated corresponding to a physical item selected for purchase by the user, and an invoice including pricing information for to items in the virtual-cart can be generated. A request for the invoice can be received, and the invoice can be transferred to the point of sale terminal. A payment confirmation can be received indicating completion of transacting of payment for the items in the virtual-cart and tracked in the invoice.
42 - Scientific, technological and industrial services, research and design
Goods & Services
Computer technology support services, namely, help desk services; Software as a service (SAAS) services, namely, providing an online portal for seeking, obtaining, and communicating about technical support; Software as a service (SAAS) services, namely, providing an online portal for communicating software product information and updates to software product information; Software as a service (SAAS) services, namely, providing an online portal for self-service troubleshooting and repair of computer hardware and/or software; all the aforesaid services in relation to financial services only.
