Patents Examined by Bruce I Ebersman
  • Patent number: 11803837
    Abstract: Aspects of the disclosure relate to a smart contactless card to detect real-time suspicious card readers or other fraudulent devices. Prior to a transaction, the smart contactless card detects suspicious card readers or fraudulent devices. An alert may be generated upon detection of any suspicious or fraudulent card reader. In some arrangements, the smart contactless card may utilize machine learning models or machine learning capabilities to detect suspicious card readers. The smart contactless card may pair with other smart contactless cards to detect and alert users to suspicious card readers or other fraudulent devices. The paired smart contactless cards may share information regarding suspicious card readers or fraudulent devices over a semi-autonomous data-sharing network. A vulnerability score may be generated and used to determine if a card reader or other payment device is suspicious.
    Type: Grant
    Filed: August 4, 2021
    Date of Patent: October 31, 2023
    Assignee: Bank of America Corporation
    Inventor: Shailendra Singh
  • Patent number: 11797992
    Abstract: A method provides computer-generated contextual data to an end-point during a digital transaction. The method includes receiving a trigger message relating to a digital transaction between a consumer and a second entity. The trigger message includes a consumer identifier uniquely associated with the consumer and transaction details at least including a characteristic associated with the digital transaction. A data message including information based on an evaluation of the transaction details against a consumer-linked transaction matrix is obtained. The consumer-linked transaction matrix is linked to the consumer and includes information relating to the digital transaction. The data message is transmitted to a remote device with which the consumer interacts during pendency of the transaction and is configured to cause the device to output a prompt to the consumer displaying the data message.
    Type: Grant
    Filed: December 20, 2022
    Date of Patent: October 24, 2023
    Assignee: ENTERSEKT INTERNATIONAL LIMITED
    Inventors: Gerhard Gysbert Oosthuizen, Daniƫl Deetlefs Bester, Tertius Wessels, Jonathan Daniel Van Der Merwe
  • Patent number: 11790369
    Abstract: Systems and methods are disclosed herein for improving machine learning of a data set. In one example, the method may include training a predictive model on an initial data set comprising labeled data, wherein the training is performed in an active learning system. The method may further include generating a set of parameters based on the training and introducing an unlabeled data set into the predictive model. According to some embodiments, the method may further include applying the set of parameters to the unlabeled data set, generating a set of predictions associated with the applied set of parameters and calculating a first uncertainty score and a second uncertainty score associated with the generated set of predictions. Moreover, the method may also include modifying the data set based on the first uncertainty score, and modifying the predictive model based on the second uncertainty score.
    Type: Grant
    Filed: September 3, 2020
    Date of Patent: October 17, 2023
    Assignee: Capital One Services, LLC
    Inventors: Jason Wittenbach, James O. H. Montgomery, Christopher Bayan Bruss
  • Patent number: 11790449
    Abstract: A system includes a processor and a memory with instructions. The instructions include, in response to receiving a zoned graph request, determining a current breakeven point on a current date based on a strike price of an option. The instructions include estimating a future strike price of the option based on an expiration date of the option, determining a future breakeven point on the expiration date of the option based on the estimated future strike price, and determining a range as a current price corresponding to the current breakeven point to a future price corresponding to the future breakeven point. The instructions include, for each time between the current date and the expiration date, determining a middle breakeven point at the corresponding time based on the range and generating a zoned graph including the current breakeven point, the future breakeven point, and each middle breakeven point at the corresponding times.
    Type: Grant
    Filed: December 14, 2022
    Date of Patent: October 17, 2023
    Assignee: CHARLES SCHWAB & CO., INC.
    Inventor: Harrison W. Napper
  • Patent number: 11790333
    Abstract: There are provided systems and methods for tokenized data having split payment instruction for multiple accounts in a chain transaction. A user may provide a payment to a merchant that sells one or more items to the user. In order to sell items, the merchant may utilize a partner service that provides resources for the merchant to sell the items, such as an online marketplace. The partner service may require a payment for each transaction by the merchant using the partner service. Thus, when a payment request is generated to the merchant for items sold to the user, the partner service may attach to the payment request and provide a split payment request for a split payment from the payment request. The payment between the user and merchant may be processed, and a separate transaction may provide the split payment automatically to the partner service from the merchant.
    Type: Grant
    Filed: January 31, 2022
    Date of Patent: October 17, 2023
    Assignee: PAYPAL, INC.
    Inventors: Alex Miyamoto, Gorka Sanchez
  • Patent number: 11790355
    Abstract: The present invention relates to a novel coin counting lottery vending machine with selective cryptocurrency support. The machine combines the functions of enabling users to buy lottery tickets using coins, cash and/or cryptocurrency and converting coins into cash or cryptocurrency. The machine includes a coin receptacle, a ticket scanner to check the winning status of a previously purchased ticket, a ticket slot for receiving play slips for draw tickets, a cash slot, a touch screen, and a dispensing tray. The machine can also be connected to a lottery provider server for checking status of a ticket and storing information about dispensed tickets. The machine can also be connected to a cryptocurrency exchange for performing cryptocurrency transactions.
    Type: Grant
    Filed: January 7, 2022
    Date of Patent: October 17, 2023
    Inventor: Mark Tatum
  • Patent number: 11783423
    Abstract: Aspects of the disclosure generally relate to monitoring and/or sensing of one or more home devices from one or more homes. In particular, various aspects described herein relate to receiving data from one or more sensors associated with one or more home devices from one or more homes and using the data to determine insurance rates or premiums, discounts, incentives, and the like. Further, aspects of the disclosure relate to computer hardware and software. In particular, one or more aspects of the disclosure relate to the connected home or smart home market (i.e. connected devices and systems within or related to the home) which is rapidly evolving and growing.
    Type: Grant
    Filed: December 16, 2019
    Date of Patent: October 10, 2023
    Assignee: Allstate Insurance Company
    Inventors: Floyd M. Yager, Orlando E. Mercado, Ralph Adam Benjamin Tyner, Jennifer L. Snyder, Laurie Pellouchoud, Peggy Klingel, Trent Bohacz, John Bradley Moats
  • Patent number: 11783332
    Abstract: A method and a system for facilitating secure card-based transactions are provided. A payment network server stores a mapping database that is indicative of a mapping between actual card data of a transaction card and a plurality of proxy datasets that are stored in the transaction card. The payment network server receives a transaction request for a transaction that is initiated by way of the transaction card. Instead of the actual card data, the transaction request includes a first proxy dataset as an identifier to the transaction card. The payment network server accesses the mapping database and retrieves the actual card data mapped to the first proxy dataset. The payment network server then communicates the transaction request having the actual card data to an issuer of the transaction card. The issuer processes the transaction based on the actual card data.
    Type: Grant
    Filed: February 12, 2021
    Date of Patent: October 10, 2023
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Amisha Madan, Saugandh Datta, Deepak Agarwal
  • Patent number: 11783334
    Abstract: Aspects discussed herein may relate to techniques for authenticating a user using transaction-based authentication questions. The transaction-based authentication questions may be provided to the user. The user may provide audible responses to the transaction-based authentication questions that may be captured by a smart device, such as an always on listening device. Authentication of the user may be based on voice analysis of the audible responses to the transaction-based authentication questions and/or based on the answers to the transaction-based authentication questions.
    Type: Grant
    Filed: December 2, 2021
    Date of Patent: October 10, 2023
    Assignee: Capital One Services, LLC
    Inventors: Tyler Maiman, Daniel Miller, Jenny Melendez, Viraj Chaudhary, David Septimus, Joshua Edwards, Samuel Rapowitz
  • Patent number: 11775968
    Abstract: This invention discloses a novel system for securing and using payment token data in a system for processing electronic payment transactions that does not require down-time for rekeying encryption keys when the keys are rotated.
    Type: Grant
    Filed: August 17, 2020
    Date of Patent: October 3, 2023
    Assignee: Lightspeed Commerce USA, Inc.
    Inventors: Yasser Abou-Nasr, Michael Boland
  • Patent number: 11775151
    Abstract: The present disclosure generally relates to a computer system displaying user interfaces for accessing passes and transfer accounts. In some examples, passes are added to the computer system. In some examples, passes are accessed. In some examples, transfers relating to the passes and transfer accounts are displayed, such as in search user interfaces.
    Type: Grant
    Filed: September 23, 2020
    Date of Patent: October 3, 2023
    Assignee: Apple Inc.
    Inventor: Jae Woo Chang
  • Patent number: 11775977
    Abstract: In one embodiment, a method includes receiving a transaction authorization request associated with a transfer of resources to a receiving entity from a user, retrieving a transaction resource configuration of a virtual bank account (VBAN) associated with the receiving entity and the user, the transaction resource configuration being decoupled from an external resource account associated with the user and the VBAN, determining parameters of the transaction resource configuration are not satisfied, transmitting instructions for presenting a notification indicating a transaction authorization failure to a client device associated with the user, wherein the notification comprises an interactive prompt operable for receiving an input indicating whether the transaction authorization request should be authorized, and transmitting a transaction authorization response indicating whether the transaction is authorized, wherein the transaction being authorized causes a stored value balance of the external resource accoun
    Type: Grant
    Filed: July 7, 2022
    Date of Patent: October 3, 2023
    Assignee: Lithic, Inc.
    Inventors: Jason William Kruse, Kamil Sindi, Jonathan Andrew Oei, Zhengyang Cong
  • Patent number: 11769206
    Abstract: A transportation analytics (TA) computing device may be provided. The TA computing device may include at least one processor in communication with at least one memory device. The at least one processor may be configured to: (1) receive, from a user mobile device corresponding to a user, telematics data corresponding to a trip taken using a transportation platform; (2) store, for each trip, the telematics data in a database in association with a trip identifier and a timestamp; (3) perform a lookup in the database to identify, based upon the timestamps, telematics data corresponding to a time period; (4) calculate, in response to identifying the telematics data, based upon the identified telematics data, a premium amount; and/or (5) transfer, in response to calculating the premium amount, the premium amount from a transportation platform account associated with the transportation platform to an insurer account associated with an insurer.
    Type: Grant
    Filed: September 29, 2020
    Date of Patent: September 26, 2023
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventor: Craig Cope
  • Patent number: 11769153
    Abstract: Systems, methods, and apparatuses described herein relate to a method for providing authentication with respect to a cash delivery request made by a customer using a customer user device of the customer. The method includes receiving at least one of security information or a first cash authentication code (CAC) from a cash dispenser machine. The cash dispenser machine obtains the security information or the first CAC from a first user device of a driver or the driver. The method includes authenticating the driver based on at least one of the security information or the first CAC. The method includes generating a second CAC. The method includes transmitting the second CAC to the first user device of the driver. The method includes authenticating the driver and the customer based on at least one of the security information or the second CAC.
    Type: Grant
    Filed: May 23, 2022
    Date of Patent: September 26, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Darren M. Goetz, Ashish B. Kurani, JoAnn Mar, Dennis Montenegro, Joseph Ng, Damodar Raval, Lisa Schur
  • Patent number: 11769135
    Abstract: Systems and methods for preparing payment requests via cached payee information databases are described. The cached payee database system allows customers to search locally stored payee databases on their mobile devices for payee information. The cached version of the payee database is updated with updated payee information. The cached database system can perform payee searches on a character-by-character basis in real time with minimal delays between searches.
    Type: Grant
    Filed: August 26, 2022
    Date of Patent: September 26, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Sabitha Dachepalli, Remo DeLeon, Peter Rozovski
  • Patent number: 11763355
    Abstract: Provided is a computer-implemented method for event-based communication and messaging that includes determining general event data associated with an event, determining user data associated with a user based on determining the event data associated with the event, determining pre-event data associated with the event, current event data associated with the event, or post-event data associated with the event based on the general event data associated with the event and the user data associated with the user, determining a current user location of the at least one user, generating at least one message based on the current user location, the at least one message including at least one of the following: pre-event data; current event data; post-event data; or any combination thereof; and communicating the at least one message to a user device of the user. A system and computer program product are also disclosed.
    Type: Grant
    Filed: November 3, 2022
    Date of Patent: September 19, 2023
    Assignee: Visa International Service Association
    Inventors: John McGuire, Sameer Shiraz Poonja, Osman Alam, William Allan Gajda, Khaled Tlais, Teemu Mattila, Jake Jordan Butler, Ranjiva Prasad
  • Patent number: 11756115
    Abstract: Disclosed is a system for scoring customers of a financial institution based on financial data. The system includes a central database that stores a plurality of modules, a central server that processes the plurality of modules and a display unit that displays the processed plurality of modules. The plurality of modules includes a criteria configuration module, a data module, and a computation module. The criteria configuration module includes a metric module to receive the input parameters required to evaluate the score, and a measurement module for defining transformation criteria to be applied on the data corresponding to the input parameters. The computation module includes a metric evaluation module to compute and applies the transformation criteria to the values of the input parameters, and a scoring module coupled to the metric evaluation module to automatically compute and display the score of the customers based on the values retrieved from the metric evaluation module.
    Type: Grant
    Filed: May 17, 2022
    Date of Patent: September 12, 2023
    Assignee: Bottomline Technologies, Inc.
    Inventor: Anirban Sinharoy
  • Patent number: 11756133
    Abstract: A system and method captures various gestures or movements made by a driver of a vehicle while driving. Based on the captured gestures or movements, the system and method determines driver gesture behaviors which relate to the driver's driving behaviors. The system and method then performs risk assessment by correlating the driver gesture behaviors with potential recognizable losses involving the driver and/or vehicle. Based on the risk assessment, the system and method assigns ratings for the driver which may be used for insurance rating purposes.
    Type: Grant
    Filed: October 8, 2021
    Date of Patent: September 12, 2023
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Aaron Scott Chan, Kenneth Jason Sanchez, Chase Southwood, Sukeerthi Khadri
  • Patent number: 11756008
    Abstract: A method of intermediating transactions includes, at an intermediation server: receiving invoice data defining a price payable to a vendor for supplying a product to a customer; extracting, from the invoice data, a vendor identifier corresponding to the vendor; determining, in association with the invoice data, a customer identifier corresponding to the customer; retrieving a payer identifier corresponding to a payer associated with the customer; retrieving, based on at least the payer identifier, a transaction policy; according to the retrieved transaction policy, allocating an eligible portion of the price to the payer identifier, and allocating a remaining portion of the price to the customer identifier; and generating and transmitting payment data for initiating a payment of the eligible portion from the payer to the vendor.
    Type: Grant
    Filed: February 3, 2020
    Date of Patent: September 12, 2023
    Assignee: AMADEUS S.A.S.
    Inventors: Maxence Achille Henri Malparty, Nicolas Dominique Marcel Guillon, Jose Vicente Da Cruz, Jean-Pierre Boutherin, Olivier Alexandre Roth
  • Patent number: 11756146
    Abstract: Exemplary embodiments of the present disclosure directed towards an artificial intelligence system and method for performing settlements based on activity, user groups, and set of virtual/physical entities. The artificial intelligence system comprises artificial intelligence settlement engine configured to enable users for activity and provide activity templates to the artificial intelligence settlement engine from the computing device by the users. Customize the activity templates fully/partially based on dynamic needs and then provide the customized activity templates to the artificial intelligence settlement engine. The artificial settlement engine configured to integrate settlement process steps and/or rules into the settlement process sequence on the artificial intelligence settlement engine and then map settlement process steps and/or rules with the activity templates by the artificial intelligence settlement engine.
    Type: Grant
    Filed: April 23, 2021
    Date of Patent: September 12, 2023
    Assignee: SettleKing INC
    Inventors: Srikant Vemparala, Thomas Todaro, Andrew Sack, Sriram Sunkari, Prabodh Reddy Kommidi, Mike Snow, Narendra Padala