Patents Examined by Joseph M Mutschler
-
Patent number: 11972309Abstract: A central server receives API calls requesting services. The central server identifies whether the API calls are associated with a merchant. A distribution is constructed based on the API calls. The central server further executes a pre-defined rule to identify a set of the API calls belonging to a maximum percentile in the distribution and a set of the API calls belonging to a minimum percentile in the distribution before estimating a set of the anomalous data points with one or more goodness of fit functions against the maximum percentile and the minimum percentile. A GUI receives a critical value from a user. In response to receiving the critical value, the central server generates probabilities of the set of the anomalous data points before displaying a set of the anomalous data points in response to the probabilities being less than the critical value.Type: GrantFiled: July 25, 2022Date of Patent: April 30, 2024Assignee: Visa International Service AssociationInventors: Nagraj K. Naidu, Sheeban Raza Zaheer Shaikh, Christopher Patrick, Santanu Bhattacharya
-
Patent number: 11966902Abstract: In accordance with an embodiment, a communication interface, an input device, and a processor are provided. The processor collects electronic receipt data containing a commodity code for identifying an already traded transaction target commodity from a plurality of data management apparatuses via the communication interface. The processor generates history data on the basis of the collected electronic receipt data, the history data indicating a transaction history of the commodity identified by the commodity code acquired via the input device.Type: GrantFiled: February 18, 2021Date of Patent: April 23, 2024Assignee: Toshiba Tec Kabushiki KaishaInventor: Takahiro Yasuda
-
Patent number: 11954549Abstract: A point-of-sale system is a dual-screen stand assembly that includes a merchant terminal and a consumer terminal. The merchant terminal and the consumer terminal can be mated together in a fixed position to form a single unitary stand, or can be separated from each other in a separated position with each terminal serving as its own separate stand. The merchant terminal supports a merchant computing device and is oriented in a merchant-facing direction. The consumer terminal is detachably mated to the merchant terminal and supports a consumer computing device that is oriented in a consumer-facing direction. The point-of-sale system also includes a card reader as part of the customer terminal to perform a payment. The card reader is configured to accepting swipe cards, chip cards or contactless (EMV or NFC) payments.Type: GrantFiled: June 25, 2021Date of Patent: April 9, 2024Assignee: Block, Inc.Inventors: Yenliang Chen, Isreal Blagdan, Michael C. Lamfalusi, Kartik Lamba, Jeremy Wade
-
Patent number: 11941601Abstract: A near field communications vending control file is a non-transitory computer readable medium (CRM) for configuring a near field communication vending machine. Typically, a control file will be stored in computerized memory on a computer on a network connected to vending machines as described herein. The control file may be configured with at least one universal configuration template organizing vending parameters in a pattern of software commands, wherein the vending parameters are selected to complete an interface protocol that enables the NFC vending machine to accept a request by a customer payment device. The vending parameters enable the NFC vending machine to consummate a vending transaction initiated by an NFC tap from a customer payment device (i.e., a transaction type device).Type: GrantFiled: June 28, 2021Date of Patent: March 26, 2024Assignee: The Coca-Cola CompanyInventors: Jeffrey Cummins, Jason Aurelia
-
Patent number: 11935055Abstract: An Automated Teller Machine (ATM) terminal receives a transaction request from a user. The ATM terminal triggers a camera to capture a first image of the authentication media item presented by the user, where the first image of the authentication media item is embedded with a first unique code. The ATM terminal compares the first image of the authentication media item with a second image of the authentication media item that is associated with the user, where the second image of the authentication media item is embedded with a second unique code for verifying the user. The ATM terminal determines whether the first unique code corresponds to the second unique code. The ATM terminal conducts the transaction request if it is determined that the first unique code corresponds to the second unique code.Type: GrantFiled: March 22, 2021Date of Patent: March 19, 2024Assignee: Bank of America CorporationInventors: Srilekha Mudumbai Srinivasa, Brandon Sloane, Jinyoung Nathan Kim, Regina Yee Cadavid, Nia Mack, Ramkumar Korlepara, Elliott Leonard Lillard, Philip Lone Mintac, Michael Jacob Richardson, Gloria Youngsook Joo
-
Patent number: 11915220Abstract: An apparatus for dynamic credit card reader mode management is provided, the apparatus including: a point-of sale (POS) terminal, configured to accept employee login credentials via a magnetic stripe card, to display menu items for selection, to add selected menu items to an order, and to accept payment for the order, where the payment may be obtained via swipe, dip, or tap, the POS terminal including: a first card reader, configured to read first provided cards when enabled; a second card reader, configured to read second provided cards when enabled; and a dual reader controller, coupled to the first and second card readers, configured to determine one or more workflow states of the POS terminal, and configured to dynamically control modes of the first and second card readers according to the one or more workflow states.Type: GrantFiled: March 29, 2021Date of Patent: February 27, 2024Assignee: Toast, Inc.Inventors: Tom Hanley, Stephen Kirk, Chance Ashley Kirsch
-
Patent number: 11915217Abstract: Disclosed herein relates to a self-checkout anti-theft vehicle system, comprising: a self-checkout vehicle having a plurality of sensors and components implemented thereon, the self-checkout vehicle being used by shoppers for storing selected merchandises in a retail environment; and a centralized computing device. The centralized computing device is configured to: obtain information related to each merchandise selected and placed into the self-checkout vehicle by a shopper by exchanging data with the plurality of sensors and components via a first communication network, identify each merchandise via a second, different communication network based at least upon the information obtained from the plurality of sensors and components, and process payment information of each merchandise.Type: GrantFiled: December 21, 2020Date of Patent: February 27, 2024Assignee: Maplebear Inc.Inventors: Lin Gao, Yilin Huang, Shiyuan Yang, Ahmed Beshry
-
Patent number: 11900381Abstract: Through a missing entity process any point of sale (POS) terminal can be used to help a missing entity contact find a missing entity. A missing entity system can receive a request that includes at least missing entity account information and merchant information as transmitted from the POS terminal. The request may be a missing entity service request (an API call) requesting a missing entity alert or a conventional transaction request, such as an authorization request or a preauthorization request. Upon receipt of the request, the missing entity system can obtain contact information for a missing entity contact associated with the missing entity account information and communicate, via a messaging application, the missing entity alert to the missing entity contact using the obtained contact information. The missing entity alert notifies the missing entity contact of the location of the missing entity as indicated by the merchant information.Type: GrantFiled: February 18, 2020Date of Patent: February 13, 2024Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Joseph Hayes, Marek Kurylko, Eugene Reda
-
Patent number: 11887094Abstract: Provided is an authentication server and the like capable of easily preventing illegal electronic settlement in a store. An authentication server 300 includes: a storage unit 2 for storing settlement destination information indicating a destination of a request for electronic settlement in a store and first face data of a salesclerk of the store in association with each other; an input unit 1 for acquiring second face data of the salesclerk of the store from a user terminal that makes the electronic settlement; an authentication unit 3 for collating the second face data that has been acquired with the first face data stored in the storage unit; and an output unit 4 for outputting the settlement destination information associated with the first face data to the user terminal based on a result of collation.Type: GrantFiled: November 8, 2019Date of Patent: January 30, 2024Assignee: NEC CORPORATIONInventor: Yasuyuki Nasu
-
Patent number: 11861034Abstract: Disclosed are various computer implemented devices, methods and readable mediums for security and authentication. In one aspect there is provided a wearable device for authenticating a user, including: one or more sensors for obtaining sensor data related to movement of fingers of the user wearing the wearable device to provide authentication data; and one or more processors configured to: receive the sensor data; interpret the sensor data using one or more classifiers to determine the authentication data; and use the authentication data to access a service.Type: GrantFiled: April 25, 2018Date of Patent: January 2, 2024Assignee: Mastercard International IncorporatedInventors: Arunmurthy Gurunathan, Ankit Kothari
-
Patent number: 11861583Abstract: Methods of detecting scan avoidance events during decode sessions are disclosed herein. An example method includes during a timeout period at one or more processors of the symbology scanner, identifying and decoding a transaction affecting indicia on an object in one or more images to obtain a transaction affecting payload; during the timeout period at the one or more processors, identifying one or more visual features in the one or more images; and in response to identifying a non-transaction affecting indicia associated with the one or more visual features, and failing to identify or decode the transaction affecting indicia, determining a potential scan avoidance attempt and generating a scan avoidance alarm signal.Type: GrantFiled: April 28, 2020Date of Patent: January 2, 2024Assignee: Zebra Technologies CorporationInventors: Abhilash Gururaja, Christopher J. Fjellstad
-
Patent number: 11853921Abstract: In some examples, a system may receive transaction data indicating payments into a first account over time and payments out of the first account over time, the first account associated with a user. In addition, the system may access a data structure including historical account data that indicates variations in a balance of the first account over time. The system may determine an indicated minimum balance for the first account based on inputting the transaction data and the historical account data into a first predictive model configured to predict a minimum balance for enabling predicted payments out of a user account. The system may determine, based on a difference between a current balance of the first account and the predicted minimum balance for the first account, that the first account has a surplus of funds. Based at least on the surplus, the system may send an instruction.Type: GrantFiled: April 26, 2021Date of Patent: December 26, 2023Assignee: Block, Inc.Inventors: Jacqueline Reses, Audrey Kim, Theodore Kosev, Andy Montgomery
-
Patent number: 11823196Abstract: Systems and methods are provided for authenticating mobile payments from a customer account to a merchant. The systems and methods may include a financial service provider receiving a request to authorize an electronic transaction at a point-of-sale. A financial service provider server computer may verify that the customer is present at the point-of-sale using received location data. An image having distorted text such as a captcha may be transmitted to a device at the point-of-sale, and the customer may read the captcha aloud. A voice sample of the customer may be sent to the financial service provider for comparison to stored voice recordings, to verify that the customer's voice sample is authentic if the voice matches a previously generated voice recording for the account. If the voice sample is authentic, the financial service provider may authorize the mobile payment.Type: GrantFiled: January 24, 2023Date of Patent: November 21, 2023Assignee: Capital One Services, LLCInventors: Lawrence Douglas, Paul Y. Moreton
-
Patent number: 11823155Abstract: Disclosed are an apparatus and a method for processing user information of a smart automated machine using face recognition, which can guide video counseling through user recognition using face recognition technique in a smart automated machine, accurately detect departure and change of a user, and control the logout based on information of departure and change of the user, thereby protecting personal information and improving security. When a transaction starts in a task control unit, face recognition monitoring is requested by interworking with a user departure/change determination unit, a face recognition solution is executed as the face recognition monitoring is requested, a user departure/change detection event is generated and transmitted to the task control unit when departure/change of the user is detected, and the logout is selectively controlled according to the departure or change to protect personal information, thereby enhancing security.Type: GrantFiled: July 1, 2020Date of Patent: November 21, 2023Assignee: ATEC AP Co., Ltd.Inventors: Sang Hyuk So, Seung Hyun Cho
-
Patent number: 11823154Abstract: This disclosure describes, in part, techniques for enabling merchant devices to interoperate with one another in a more robust manner, such that overall operation and efficiency within a merchant establishment is improved. For instance, the techniques described herein may enable the intelligent routing of requests between devices within the merchant establishment based on real-time locations of the devices, which devices are associated with which orders, and the like.Type: GrantFiled: April 27, 2022Date of Patent: November 21, 2023Assignee: Block, Inc.Inventors: Arjun Mahanti, Matthew T. Kursmark, Brian Stegall
-
Patent number: 11810124Abstract: Methods and systems of exchanging data using payment cards with universal reference numbers are disclosed. A merchant computing system includes a merchant input/output assembly receiving a universal reference number from a customer at a point of sale. A merchant database retrievably stores a plurality of universal reference numbers and customer information associated with each of the plurality of universal reference numbers. A transaction circuit receives the universal reference number from the merchant input/output assembly, retrieves customer information associated with the universal reference number, and provides an output relating to a transaction based on the customer information.Type: GrantFiled: April 5, 2021Date of Patent: November 7, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Peter Ho, Brian M. Pearce
-
Patent number: 11803809Abstract: Systems and methods which provide physical task interaction control with respect to fulfilment management systems used in order fulfilment management are described. A physical task interaction controller may be provided in association with a fulfilment management system, whereby a user interface is configured to provide physical task interaction control for one or more functions of the fulfilment management systems by shipper personnel. A physical task interaction controller of embodiments may comprise a natural protocol engine, an augmented reality engine, and an artificial intelligence engine. The physical task interaction control of embodiments facilitates shipper personnel interacting with, and controlling operations of, the fulfilment management system relevant to a fulfilment physical task currently being performed by the shipper personnel without either the need for separate personnel to perform the digital tasks or the shipper personnel having to leave the fulfilment physical tasks.Type: GrantFiled: October 22, 2021Date of Patent: October 31, 2023Assignee: SHIPPINGEASY GROUP, INC.Inventor: Barry Neal Cox
-
Patent number: 11797964Abstract: An automated transaction machine (ATM) can include a housing, a display, a cash recycler, and a check receiver. The display can be mounted to the housing and directed toward an exterior of the housing. The cash recycler can be configured to receive a first note of currency from a first user of the ATM and dispense the first note of currency to a subsequent, second user of the ATM. The check receiver can be positioned in the housing, an intake portion with an inlet communicating with the exterior of the housing, and a check reader portion configured to receive a check from the intake portion, scan data displayed on the check, and store the check. The intake portion can be positioned below the display and the check reader portion is positioned behind the display.Type: GrantFiled: May 27, 2021Date of Patent: October 24, 2023Assignee: Diebold Nixdorf, IncorporatedInventors: Thomas A. Vankirk, Chris Rowe, Damon J. Blackford, Dave Kraft, Nathaniel Oberly, Robert Michael Cole, Todd Christian, Andrea Carozzi, Erich Kujat, Jochen Linck, Michael J. Harty, Aaron C. Graham, Bohdan Kurylak, Christoph BrĂ¼cher, Kyle Mann
-
Patent number: 11748705Abstract: Disclosed herein are systems and methods for tracking and managing location information for automobile assets. By affixing passive transmitter tags with unique identification information to automobile assets, location information may be associated with designated areas and/or location information by scanning the passive transmitter tags at various scan points. The location and automobile asset information may be stored, read, and updated in a centralized cloud database platform, accessible at varying levels to suppliers, manufacturers, shippers, and others.Type: GrantFiled: October 14, 2022Date of Patent: September 5, 2023Assignee: Surgere, LLCInventors: William Wappler, David Hampton, Robert Fink, Michael Curran
-
Patent number: 11741202Abstract: Systems and methods for authenticating identification information are disclosed. For example, an Automated Teller Machine (ATM) may comprise a user interface. The user interface may comprise a card reader. The card reader may be configured for card rotation about an axis of a bank card. The user interface may be configured to receive card rotation input from a user. The ATM may comprise at least one memory storing instructions. The ATM may comprise at least one processor configured to execute the instructions to perform operations. The operations may comprise receiving identification information from the user. The operations may comprise receiving the card rotation input. The operations may comprise extracting a card rotation sequence from the card rotation input. When the card rotation sequence is within a predetermined threshold from a stored card rotation sequence corresponding to the identification information, the operations may comprise authenticating the user for an ATM operation.Type: GrantFiled: August 31, 2022Date of Patent: August 29, 2023Assignee: CAPITAL ONE SERVICES, LLCInventors: Abdelkader Benkreira, Michael Mossoba, Joshua Edwards