Patents Examined by C. Hamilton
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Patent number: 11954675Abstract: Systems and methods are described for implementing blockchain-based content engagement platforms. In several embodiments, the content engagement platform includes a registry service which enables verified content creators to mint Non-Fungible Tokens (NFTs). In many embodiments, media wallet applications enable users to securely store NFTs and/or other tokens on their devices. In a number of embodiments, the media wallet applications collect data concerning media consumed by users and aggregate the media consumption data in a permissioned analytics blockchain. The manner in which the media consumption data is stored can enable users to control permission to access their personal data. In one embodiment, a media wallet is provided that can securely store NFTs, display a user interface through which user instructions concerning data access permissions are received, and cause media consumption data to be written to at least one immutable ledger in conjunction with a set of data access permissions.Type: GrantFiled: April 27, 2022Date of Patent: April 9, 2024Assignee: Artema Labs, Inc.Inventor: Madhu Vijayan
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Patent number: 11915227Abstract: A processor-implemented method is disclosed.Type: GrantFiled: August 18, 2022Date of Patent: February 27, 2024Assignee: The Toronto-Dominion BankInventors: Milos Dunjic, David Samuel Tax, Kushank Rastogi, Derek Guan, Zainab Eniola Bello
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Patent number: 11907928Abstract: Aspects of the disclosure relate to mobile device operations during an ongoing call. The mobile device operations may relate to payment processing operations. The mobile device may determine contact information associated with a party in an ongoing call. The mobile device may determine, based on the contact information, information associated with a payment transaction request. The mobile device may send, based on the determined information the payment transaction request. The mobile device may dynamically determine a user interface to be displayed during the call to facilitate the various mobile device operations.Type: GrantFiled: June 8, 2020Date of Patent: February 20, 2024Assignee: Bank of America CorporationInventors: Sandeep Kumar Chauhan, Udaya Kumar Raju Ratnakaram, Geetika Lal
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Patent number: 11907931Abstract: A method for managing a virtual electronic card is applicable to a secure chip installed in a first terminal, and the method includes: receiving a management request from a trusted mobile application on the first terminal, the management request being used to manage a target virtual electronic card on the secure chip, and permissions of the virtual electronic card being configured by a chip operating system of the secure chip; determining, from the secure chip, a target card management program corresponding to the target virtual electronic card, the different virtual electronic cards corresponding to the different card management programs; sending the management request to the target card management program; and calling, through the target card management program, a card management command corresponding to the management request in a card management system on the secure chip, to manage the target virtual electronic card.Type: GrantFiled: September 13, 2021Date of Patent: February 20, 2024Assignee: SHENZHEN GOODIX TECHNOLOGY CO., LTD.Inventor: Yanling Zhang
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Patent number: 11900365Abstract: The present disclosure provides techniques for recommending vendors using machine learning models. One example method includes receiving electronic transaction data indicative of one or more transactions, identifying, from the one or more transactions, a subset of transactions that are associated with for known attribute values with respect to one or more unique recipients, computing, for each unique provider of the one or more unique providers, a provider feature based on the known attribute values with respect to a subset of the one or more associated unique recipients, computing, for a given recipient indicated in one or more given transactions that are not included in the subset of transactions, a recipient feature based on the provider feature of each unique provider of the one or more associated unique providers, and predicting, based on the recipient feature, a value for the attribute with respect to the given recipient.Type: GrantFiled: October 26, 2022Date of Patent: February 13, 2024Assignee: Intuit, Inc.Inventors: Yaakov Tayeb, Hadar Lackritz
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Patent number: 11893574Abstract: A method for performing a card-to-card direct contactless transaction between a first active stored-value smart card (“SVSC”) and a second active SVSC, each comprising an active near-field communication (“NFC”) reader. The method may include activating the first active SVSC by receiving input of a personal identification number (“PIN”) on a keypad located on the first active SVSC, verifying the PIN and further receiving input of a transaction amount on the keypad. The method may further include initiating a wireless NFC communication to perform the transaction by positioning the first active SVSC within a pre-determined distance to the second active SVSC and confirming accuracy of each of the first and second active SVSC using the active NFC reader to retrieve card ID data and confirm accuracy. Following confirming, the method may include directly completing the transaction between the first active SVSC and the second active SVSC.Type: GrantFiled: October 13, 2022Date of Patent: February 6, 2024Assignee: Bank of America CorporationInventor: Saurabh Gupta
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Patent number: 11875332Abstract: The present disclosure relates to a mobile computing device that is configured to secure a purchase transaction between a customer and merchant, and facilitate self-checkout between the user and any of several merchants. The system provides a payment processing network that achieves secure transactions free from fraud, while also having low fees. The system is based on establishing a relationship between a merchant's bank and a customer's bank, prior to a purchase transaction by the customer. The customer may then authorize their own bank to push funds to the merchant's bank in order to purchase goods or services using their smartphone, without the need to share any financial information between the user and merchant themselves. The smartphone is further configured to draw from multiple merchant product databases so that the customer may self-checkout, without the need to use a merchant-specific app, all within one app-linked system for payment and shopping.Type: GrantFiled: June 6, 2022Date of Patent: January 16, 2024Assignee: United Services Automobile Association (USAA)Inventors: Jeff Calusinski, Ravi Durairaj, Brennen Ricks, Ruthie D. Lyle, Vidya Nagarajan, Sharonda Phillips, David M. Jones, Jr., Jon McEachron
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Patent number: 11875387Abstract: Systems and methods electronically obtain data regarding a plurality of sources and corresponding amounts of resources received from the sources for a plurality of relationship instances each associated with one or more respective domains of a plurality of domains. For each relationship instance of the plurality of relationship instances: the system electronically identifies a rate to calculate an amount of resource due to one or more respective domains associated with the relationship instance based on a source of a resource received for the relationship instance and the one or more respective domains and calculates an amount of resources due to at least one respective domain associated with the relationship instance based on the identified rate. For each domain of the plurality of domains, the system aggregates a total amount of resources due to the domain based on the calculated amount of resources due for each relationship instance associated with the domain.Type: GrantFiled: May 24, 2022Date of Patent: January 16, 2024Assignee: Avalara, Inc.Inventors: Andrew Brandon Chan, Danielle Lear, Brian K. Mason, Andrew Z. Fountain, Patrick Collins Chesser, Patrick J. Hampton, David A. Goldstein
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Patent number: 11869099Abstract: In general, the present disclosure includes a system, method and architecture for use in analyzing content of a social network data to identify a financial market trend, e.g., a trend associated with a financial market instrument.Type: GrantFiled: December 6, 2021Date of Patent: January 9, 2024Assignee: YAHOO ASSETS LLCInventor: Charles Shah
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Patent number: 11861598Abstract: An apparatus and method for calculating foreign exchange advantages, the apparatus includes at least a processor and a memory containing instructions configuring the at least a processor to acquire action data from an entity, wherein an element of the action data includes at least a plurality of originators and at least a plurality of receivers, process the action data, wherein processing the action data includes classifying a plurality of action data elements to at least an originator of the plurality of originators and a receiver of the plurality of receivers and classifying the action data against a data store including at least a foreign exchange rate, generate a conversion record as a function of the processed action data, and output the conversion record to a third-party computing device.Type: GrantFiled: February 21, 2023Date of Patent: January 2, 2024Inventors: Damon Magnuski, Matthew Henkler, Kevin Minard, Andrew Dillard
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Patent number: 11861700Abstract: A method of completing a purchase transaction that includes a loan includes receiving, by a transaction processing logic, a loan application from a network. The method also includes generating, by the transaction processing logic, a plurality of loan terms for the loan application. The method also includes receiving, by the transaction processing logic, a transaction package from the network, where the transaction package includes at least one of the plurality of loan terms and a purchase price. The method also includes tendering, by the transaction processing logic, the purchase price according to the transaction package. The method also includes setting up, by the transaction processing logic, a loan in an account database according to the transaction package.Type: GrantFiled: January 31, 2022Date of Patent: January 2, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Ashish B. Kurani, Nikolai Stroke
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Patent number: 11847585Abstract: Processing transaction requests may be considered a computationally expensive operation for a computing system such as an e-commerce platform. An aspect of the present disclosure relates to systems and methods to reduce the number of transaction requests that are received and/or processed by a computing system. This may reduce demand on the computing system's resources and potentially improve the responsiveness of the computing system. In some embodiments, a set of users is selected based on at least one defined condition for a particular transaction request. Origination of the particular transaction request on behalf of users excluded from the set of users is prevented in order to reduce the number of the particular transaction requests that are received and/or processed by a corresponding computing system.Type: GrantFiled: October 11, 2022Date of Patent: December 19, 2023Assignee: SHOPIFY INC.Inventor: Christian Mackie
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Patent number: 11847634Abstract: Described herein are examples of gift card management systems that provide gift cards that must be activated prior to being used in a transaction. In some examples, a purchaser may be refunded some or all of a purchase price for the gift card when the gift card is not activated. In some examples, the activation may additionally include certain safeguards to prevent fraud.Type: GrantFiled: January 29, 2021Date of Patent: December 19, 2023Inventors: Jacob James Nicks, David Steven Sargent
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Patent number: 11836727Abstract: Systems, methods, and apparatuses for authorizing a transaction using location based transaction authentication. The method includes receiving a transaction authorization request for a transaction; determining a location of the transaction; identifying an identity of a user associated with the transaction authorization request; determining a computing device associated with the identified user; determining a location of the determined computing device associated with the identified user; determining a distance between the location of the transaction and the location of the determined computing device; determining that additional authentication is required of the identified user based on the determined distance; prompting, the user for additional authentication information; receiving a response including additional information; and, authorizing the transaction based on the additional information matching stored additional authentication information.Type: GrantFiled: December 4, 2020Date of Patent: December 5, 2023Assignee: WELLS FARGO BANK, N.A.Inventors: Pankaj Parekh, Steve Perez, Keith Clithero, Daniel Sanford, Bill Wurz
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Patent number: 11836708Abstract: Embodiments of the inventive concept described herein relate to a virtual card number-based financial transaction apparatus, a virtual card number-based financial transaction providing method, and a virtual card number-based financial transaction providing program, and more particularly, relate to an apparatus, method, and program that may provide a user with an electronic wallet service in an environment where an infrastructure of a financial transaction service is not established.Type: GrantFiled: April 12, 2022Date of Patent: December 5, 2023Assignee: SSENSTONE INC.Inventor: Chang Hun Yoo
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Patent number: 11836690Abstract: Systems, methods, and computer-readable storage media of private network issuance of digital currency. One method includes establishing, via a first private network, a first private network connection between a digital wallet application of a user device and the processing circuit. The method further includes receiving an issuance request associated with a first denomination of digital currency. The method further includes issuing a first digital currency token, wherein issuing is an off-chain exchange transferring the first denomination outside a digital currency ledger.Type: GrantFiled: April 12, 2022Date of Patent: December 5, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Nikolai Stroke, Duc M. Trinh
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Patent number: 11829971Abstract: Methods and systems to facilitate communication and payment to an artist associated with a streaming service platform based on user-centric royalty models are disclosed herein. In one example, a method include receiving a selection of media content to output to a user device associated with a user account and providing the media content to the user device to be presented. The method further determines characteristics of the output of the media content related to how the media content was output by the user device and determine an intent value associated with the media content based on the characteristics. The method further updates the attribution schedule indicating at least a change of a degree of attribution for one or more entities based on the intent value and facilitates a transfer of funds from the user account to an account associated with the one or more entities based on the attribution schedule.Type: GrantFiled: October 12, 2022Date of Patent: November 28, 2023Assignee: Block, Inc.Inventors: Joachim Braathen, Enrico Trucco, Henrik Woie, Carol Abs, Johann Eriksen, Simen Smith Aulie
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Patent number: 11823171Abstract: A computing device having a payment function service may receive, from an external computing device associated with a first user, a request to transact a payment between the first user and a second user. The computing device may negotiate with a first plurality of payment function services of a parent payment gateway associated with the first user and with a second plurality of payment function services of a receiving payment gateway associated with the second user to transact the payment between a second payment function service of the parent payment gateway and a third payment function service of the receiving payment gateway, and may communicate with the second payment function service and the third payment function service to process the payment.Type: GrantFiled: December 22, 2021Date of Patent: November 21, 2023Assignee: Wells Fargo Bank, N.A.Inventor: Rameshchandra Bhaskar Ketharaju
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Patent number: 11823146Abstract: Systems and methods for initiating and/or facilitating a financial transaction in response to detecting and translating a spatial gesture may be provided. A payor transaction device may be capable of detecting, via a motion-detecting device, a payor spatial gesture corresponding to a payment gesture of one or more predetermined spatial gestures and, responsive to detecting the payor spatial gesture, receiving payee account information from a payee transaction device. The payor transaction device may also be capable of transmitting, to a payor computing device, transaction data comprising the payee account information and data indicative of the payor spatial gesture. The payor computing device may be capable of transmitting at least a portion of the transaction data to a financial service provider terminal to enable the financial service provider terminal to facilitate the requested transaction.Type: GrantFiled: December 10, 2021Date of Patent: November 21, 2023Assignee: CAPITAL ONE SERVICES, LLCInventors: David K. Wurmfeld, Tyler Sylvain Locke, Adam Koeppel
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Patent number: 11803836Abstract: A method for managing a virtual electronic card is applicable to a secure chip installed in a first terminal, and the method includes: receiving a management request from a trusted mobile application on the first terminal, the management request being used to manage a target virtual electronic card on the secure chip, and permissions of the virtual electronic card being configured by a chip operating system of the secure chip; determining, from the secure chip, a target card management program corresponding to the target virtual electronic card, the different virtual electronic cards corresponding to the different card management programs; sending the management request to the target card management program; and calling, through the target card management program, a card management command corresponding to the management request in a card management system on the secure chip, to manage the target virtual electronic card.Type: GrantFiled: September 13, 2021Date of Patent: October 31, 2023Assignee: SHENZHEN GOODIX TECHNOLOGY CO., LTD.Inventor: Yanling Zhang