Patents Examined by Carol See
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Patent number: 11948147Abstract: Techniques are provided for fallback authorization routing. A merchant processor may receive authorization requests from one or more merchant systems. These authorization requests may be to authorize a transaction. The merchant processor may transmit these authorization requests over a first communication channel to an acquirer processor, which may then forward the requests to a payment network. If the merchant processor determines that the acquirer processor is not receiving the authorization requests, or is otherwise unavailable, the merchant processor may, as a fallback, transmit the authorization requests directly to the payment network through a second communication channel, thereby bypassing the acquirer processor. When the merchant processor receives some indication that the acquirer processor is available to process authorization requests, new authorization requests can be transmitted to the acquirer processor via the first communication channel.Type: GrantFiled: January 20, 2022Date of Patent: April 2, 2024Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Robert Dean McLaughlin, Balakrishnan Kannikeswaran, Biju Abraham, Roshin Joseph
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Patent number: 11941631Abstract: A first user device may receive, from a second user device, a request to communicatively couple to the first user device, and may establish a communication session with the second user device after receiving the request. The first user device may identify, after establishing the communication session, an inappropriate activity of the second user device relating to the communication session, and perform a set of actions based on identifying the inappropriate activity. The set of actions may include causing the communication session to be restricted, and providing, to a trust platform, a score for the second user device. The score may permit the trust platform to derive a composite score, indicative of a level of trustworthiness of the second user device, that enables other user devices, associated with the trust platform, to determine whether to grant access requests submitted by the second user device.Type: GrantFiled: March 5, 2019Date of Patent: March 26, 2024Assignee: Capital One Services, LLCInventors: Lawrence Hutchison Douglas, Jr., Yolanda Liu, Clayton Johnson
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Patent number: 11900359Abstract: The ELECTRONIC WALLET CHECKOUT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“EWCP”) transform customer purchase requests triggering electronic wallet applications via EWCP components into electronic purchase confirmation and receipts. In one implementation, the EWCP receives a merchant payment request, and determines a payment protocol handler associated with the merchant payment request. The EWCP instantiates a wallet application via the payment protocol handler. The EWCP obtains a payment method selection via the wallet application, wherein the selected payment method is one of a credit card, a debit card, a gift card selected from an electronic wallet, and sends a transaction execution request for a transaction associated with the merchant payment request. Also, the EWCP receives a purchase response to the transaction execution request, and outputs purchase response information derived from the received purchase response.Type: GrantFiled: May 17, 2021Date of Patent: February 13, 2024Assignee: Visa International Service AssociationInventor: Avinash Kalgi
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Patent number: 11869069Abstract: Apparatuses, systems, methods, and computer program products are disclosed for externally held account discovery and aggregation. A method includes aggregating transactions of a first service provider from one or more servers to a trusted hardware device. A method includes identifying, on a trusted hardware device, one or more transactions of a first service provider between an account of a user with the first service provider and an account of the user with a second service provider. A method includes prompting a user for electronic credentials for an account of the user with a second service provider. A method includes accessing data of a user from a second service provider on behalf of the user using electronic credentials.Type: GrantFiled: January 31, 2018Date of Patent: January 9, 2024Assignee: MX TECHNOLOGIES, INC.Inventors: Daniel Ries, John Ryan Caldwell
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Patent number: 11810099Abstract: Disclosed embodiments include methods, systems, and computer-readable media configured to, for example, provide payment tokens for conducting transactions, as well as reprovisioning tokens, on wearable devices without Bluetooth® or other network connectivity beyond NFC radio.Type: GrantFiled: December 7, 2020Date of Patent: November 7, 2023Assignee: Capital One Services, LLCInventors: Lawrence Douglas, Paul Moreton
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Patent number: 11810017Abstract: A method for application of account and transaction controls on a payment token includes: storing, in a first device of a system, a control profile including a token number and transaction controls; storing, in a second device of the system, a token profile including the token number and a corresponding account number; receiving, at the first device, a transaction message including a data element having the token number and additional transaction data; determining, by the first device, compliance with the transaction controls based on the additional transaction data; transmitting the transaction message from the first to the second device; replacing, by the second device, the token number with the account number in the transaction message; and transmitting, by the second device, the transaction message to a financial institution associated with the account number.Type: GrantFiled: October 18, 2016Date of Patent: November 7, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: James John Anderson, Sandeep Malhotra, Amyn Mohamed Dhala, Alan Johnson
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Patent number: 11797973Abstract: A method for facilitating payment transactions includes receiving, by a server, a flash code request indicative of a transaction amount. A flash code associated with the transaction amount is communicated by the server to the payer device. The flash code is encoded into a flash pattern at the payer device and communicated to a payee device of a payee for executing a payment transaction between the payer and the payee. A first request for the payment transaction is received by the server from the payee device. The first request includes the flash code obtained by decoding the flash pattern at the payee device. The flash code included in the first request is validated by the server. Based on successful validation of the flash code, the transaction amount is deducted from a payer account of the payer and credited to a payee account of the payee.Type: GrantFiled: May 16, 2022Date of Patent: October 24, 2023Assignee: Mastercard International IncorporatedInventors: Kaushal Naveen Shetty, Ajay Sinha, Rajesh Krishna Sadanand, Sachin Kumar Singh
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Patent number: 11783421Abstract: Disclosed herein is a traveling-based insurance rating system comprising a telematics device associated with a vehicle having one or more sensors arranged therein, a mobile device associated with a passenger of the vehicle, and a server computer comprising hardware, including a processor and memory. The server computer may receive driving data of a driver of the vehicle from the one or more sensors via the telematics device. The server computer may then identify one or more values of the driving data to be within one or more predetermined ranges and classify the driving data as a trip of the passenger. Based on the driving data from the trip, the server computer may determine one or more driving behaviors of the driver, calculate an insurance rating for the passenger of the vehicle based on the one or more driving behaviors of the driver, and transmit the insurance rating to the mobile device.Type: GrantFiled: June 16, 2016Date of Patent: October 10, 2023Assignee: Allstate Insurance CompanyInventor: Eric D. Huls
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Patent number: 11776051Abstract: An example credit line adjustment system includes: at least one processor; and memory encoding instructions that, when executed by the at least one processor, causes the at least one processor to generate a graphical user interface including: a first section identifying a first credit line owned by a user, the first section providing a first credit limit amount for the first credit line, and the first section including a first control that receives input from the user to manipulate the first credit line; a second section identifying a second credit line, the second section including a second control that receives input to transfer at least a portion of the first credit line to the second credit line.Type: GrantFiled: December 3, 2020Date of Patent: October 3, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Tai T. Duong, Alexander Foote, Christine C. Gherlone, Gerald Guinn, Oyenola Ogunyemi-Craig, Joanna J. Prebeck
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Patent number: 11669813Abstract: A method of performing an off-us deposit with reversal is provided. The method includes receiving, by a depository bank computing system associated with a depository bank, a request identifying an amount of a transfer of funds from a paying bank, different from the depository bank, into an account associated with a customer of the depository bank. The method further includes crediting, by the depository bank computing system, the account of the customer of the depository bank by the amount of the transfer of funds. The method further includes determining, by the depository bank computing system, a need for a reversal of the transfer of funds from the account of the customer of the depository bank. The method further includes reversing, by the depository bank computing system, the transfer of funds from the account of the customer by the amount of the transfer of funds.Type: GrantFiled: December 22, 2016Date of Patent: June 6, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Alan W. Hecht, Ann M. Kirk, Brian M. Pearce, Steven E. Puffer, Wairnola Marria Rhodriquez, Javier S. Silva
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Patent number: 11433777Abstract: A control device controls charging of a power storage device mounted on a vehicle from the external power supply. The control device includes an electronic control unit. The electronic control unit is configured to acquire information relating to an electric power fee for the charging in each time slot divided in advance and cause, when the time slot is switched such that the electric power fee becomes relatively low after the switching of the time slot compared to before the switching during the charging, the external power supply to charge the power storage device so as to apply the electric power fee that is relatively low in the time slot after the switching.Type: GrantFiled: February 5, 2021Date of Patent: September 6, 2022Assignee: TOYOTA JIDOSHA KABUSHIKI KAISHAInventor: Takahiro Misawa
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Patent number: 11361303Abstract: A method for facilitating payment transactions includes receiving, by a server, a flash code request indicative of a transaction amount. A flash code associated with the transaction amount is communicated by the server to the payer device. The flash code is encoded into a flash pattern at the payer device and communicated to a payee device of a payee for executing a payment transaction between the payer and the payee. A first request for the payment transaction is received by the server from the payee device. The first request includes the flash code obtained by decoding the flash pattern at the payee device. The flash code included in the first request is validated by the server. Based on successful validation of the flash code, the transaction amount is deducted from a payer account of the payer and credited to a payee account of the payee.Type: GrantFiled: June 10, 2021Date of Patent: June 14, 2022Assignee: Mastercard International IncorporatedInventors: Kaushal Naveen Shetty, Ajay Sinha, Rajesh Krishna Sadanand, Sachin Kumar Singh
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Patent number: 11348096Abstract: Disclosed herein are system, method, and computer program product embodiments for reconciliation needed to enable access to accelerated contribution funded accounts (CFAs). An embodiment operates by configuring a management database to store a linked CFA associated with a CFA and an asset-transfer on demand account (ATODA). A transfer processing system of a provider may receive a transfer file from an employer. The transfer processing system may delay transfer reconciliation of the linked CFA until a transferred amount is received. During transfer reconciliation, the transfer processing system may resolve the ATODA using the received transferred amount. Upon resolution of the ATODA, the contribution processing system may concurrently send information to a bank server and a card server to reconcile the respective bank and card accounts with the linked CFA at the provider.Type: GrantFiled: February 2, 2018Date of Patent: May 31, 2022Assignee: CONNECTYOURCARE, LLCInventors: David Roberts, Melissa Stirling, Peter Mazur, Jennifer Frankenfield, Bryan Schrock, Vrajesh Bhavsar, Jennifer Levy, Brian Strom, Dan Stachura
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Patent number: 11301869Abstract: Systems and methods are presented for payment transaction overrides and system initiated payment splitting. In one embodiment, a first authorization request associated with a first account is monitored at an override computer, an override trigger is identified, and a transaction override approval is received. Override authorization requests are then sent, and responses to the override authorization requests are received at the override computer. A response to the initial authorization request is the sent based on the response received to the override authorization request. In alternative embodiments the override requests are cascaded, or include requests for new account creation.Type: GrantFiled: September 11, 2019Date of Patent: April 12, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Allen Cueli, Lori D. Van Deloo
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Patent number: 11263628Abstract: Techniques are provided for fallback authorization routing. A merchant processor may receive authorization requests from one or more merchant systems. These authorization requests may be to authorize a transaction. The merchant processor may transmit these authorization requests over a first communication channel to an acquirer processor, which may then forward the requests to a payment network. If the merchant processor determines that the acquirer processor is not receiving the authorization requests, or is otherwise unavailable, the merchant processor may, as a fallback, transmit the authorization requests directly to the payment network through a second communication channel, thereby bypassing the acquirer processor. When the merchant processor receives some indication that the acquirer processor is available to process authorization requests, new authorization requests can be transmitted to the acquirer processor via the first communication channel.Type: GrantFiled: July 18, 2017Date of Patent: March 1, 2022Assignee: Visa International Service AssociationInventors: Robert Dean McLaughlin, Balakrishnan Kannikeswaran, Biju Abraham, Roshin Joseph
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Patent number: 11227335Abstract: A direct-to-consumer financial analysis and advisor comparison system has a website in electronic communication with a server and is provided on a subscription basis. The website receives user information including estate, insurance, tax, and investment information. A system aggregator uses the user information to automatically calculate a financial wellness score for each user, representing a comprehensive financial analysis. The system aggregator uses the user information to automatically create a prioritized to-do list for each user, the to-do list representing tasks to be completed to track and implement a series of actions that will achieve the user's financial goals. A comparer uses the user information to automatically generate an aggregated viewpoint of all users, which is then reported back to each individual user to show a series of financial analytics regarding all users, a series of users based upon a sub-filter based upon specified criteria by the user, etc.Type: GrantFiled: October 19, 2015Date of Patent: January 18, 2022Inventor: Robert M. Hayden
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Patent number: 11134524Abstract: A method for electronically transmitting data based on a physical gesture includes: storing at least one gesture pair, wherein each gesture pair includes at least a physical gesture and an associated data conveyance, the physical gesture being stored as one or more data points telegraphing three-dimensional movement; capturing a plurality of movement data points based on movement of one or more motion capturing devices; identifying a specific gesture pair where at least one of the captured plurality of movement data points corresponds to the included physical gesture; establishing a communication channel with an external computing device; and transmitting the associated data conveyance included in the identified specific gesture pair to the external computing device using the established communication channel.Type: GrantFiled: July 25, 2016Date of Patent: September 28, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Benjamin Alexander Flast, Brien Buckman
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Patent number: 11113678Abstract: Systems for helping a user manage external party-activity software objects by using machine-readable indicia. In one embodiment, an exemplary computer-implemented method may comprise receiving a first request to link a digital profile of the application end user associated with the entity with a third-party entity. In response to receiving the first request, the second request is sent to a second server associated with the third-party entity, and a third request is received from the application end user for accessing at least one user-related external party-activity software object via the first server by using machine-readable indicia.Type: GrantFiled: December 17, 2019Date of Patent: September 7, 2021Assignee: Capital One Services, LLCInventors: John Crowson, Rocky Gray, Margaret Crouse, Asawari Kanitkar
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Patent number: 11093937Abstract: System(s), method(s), and device(s) that generate and use single-use financial account card numbers (SUFACNs) to facilitate secure processing of financial transactions are presented. A user registers a financial account(s) with a financial transaction platform (FTP), a user profile comprising user-related information is created, and a personal identification number (PIN) is associated with the user. When making a purchase locally or online, the user's portable communication device (PCD) accesses the FTP via an application or web site, the PCD synchronizes with the FTP, and the PCD and FTP each respectively generate the same SUFACN(s) based in part on time of generation and PIN. The SUFACN is presented to the seller's register component via scanning (e.g., when SUFACN is a barcode) or entering the SUFACN. The register component sends the SUFACN to the FTP, which interacts with the user's financial account(s) to facilitate payment.Type: GrantFiled: July 20, 2018Date of Patent: August 17, 2021Assignee: B&H SERIES OF THE DOMPHIA, LLCInventors: Christopher Robert Lattanzio, Joseph Thomas Ritorto, Jr.
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Patent number: 11068866Abstract: A computer-implemented system and method receive information regarding a funds transfer from a payor to a payee. The information includes a data payload related to the funds transfer. The information is received by a depository computer system. The depository computer system forwards the information regarding the funds transfer to an account verification service computer system. The information, including the data payload, is transmitted by via the account verification service computer system to the paying bank for use by the payor.Type: GrantFiled: February 16, 2016Date of Patent: July 20, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Alan W. Hecht, Ann M. Kirk, Brian M. Pearce, Steven E. Puffer, Wairnola Marria Rhodriquez, Javier S. Silva