Patents Examined by Joseph M Mutschler
  • Patent number: 11282057
    Abstract: Logic to register a personal point of sale (POS) device. Logic may communicate with the registration processor to establish a secure communication channel. Logic may access a basic input output system to obtain platform information. Logic may transmit the platform information to the registration processor to identify a certification associated with the device. Logic may communicate with a payment instrument via a card reader. Logic may transmit an encrypted message from the card reader to the registration processor to bind the payment instrument to the device. Logic may receive a communication from the device comprising platform information. Logic may perform a security protocol to establish a secure communication channel with the device. Logic may determine an existence of the certification for the device in the database based upon the platform information. And logic may register the platform in response to locating the certification of the platform.
    Type: Grant
    Filed: November 28, 2018
    Date of Patent: March 22, 2022
    Assignee: Intel Corporation
    Inventors: Farid Adrangi, Sanjay Bakshi, Amit S. Bodas
  • Patent number: 11244407
    Abstract: An electronic receipt system may generate electronic documents including receipt content associated with a transaction between an account holder and a third party, and automatically link the electronic documents to secure records corresponding to account transaction records in a secure database. An account holder may subsequently view an electronic document including the receipt from a secure network platform displaying the secure records for multiple transactions in the account. In some aspects, the electronic receipt system may retrieve the receipt from an email message transmitted to an email address assigned to the account holder by the electronic receipt system. In other aspects, the electronic receipt may be retrieved using an application on a user device corresponding to the electronic receipt system.
    Type: Grant
    Filed: December 18, 2019
    Date of Patent: February 8, 2022
    Assignee: TRUIST BANK
    Inventors: Matthew Whitley, Matthew Spriggs, Gopinath Rajagopal, Patricia Kinney, Seneca Meyer, Nixa Espinola
  • Patent number: 11222337
    Abstract: 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: Grant
    Filed: June 2, 2020
    Date of Patent: January 11, 2022
    Assignee: Capital One Services, LLC
    Inventors: Lawrence Douglas, Paul Y. Moreton
  • Patent number: 11195141
    Abstract: Systems and methods which provide physical task interaction control with respect to fulfillment management systems used in order fulfillment management are described. A physical task interaction controller may be provided in association with a fulfillment management system, whereby a user interface is configured to provide physical task interaction control for one or more functions of the fulfillment 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 fulfillment management system relevant to a fulfillment 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 fulfillment physical tasks.
    Type: Grant
    Filed: April 11, 2018
    Date of Patent: December 7, 2021
    Assignee: ShippingEasy Group, Inc.
    Inventor: Barry Neal Cox
  • Patent number: 11138553
    Abstract: A system that utilizes two different types of RFID data capture devices; at least one standard fixed RFID portal (e.g., one reader and two antennas) and at least one handheld or mobile RFID device in combination with passive RFID tags (i.e., transmitters). The system acquires, tracks, and reports asset location specific to a manufacturing plant and storage yard (i.e., the inventory), as well as production milestone events. GPS asset location data is tracked almost continuously and reported on demand.
    Type: Grant
    Filed: April 11, 2018
    Date of Patent: October 5, 2021
    Assignee: Surgere, Inc.
    Inventors: William Wappler, David Hampton, Robert Fink, Michael Curran
  • Patent number: 11120513
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for tracing capital chain information are provided. One of the methods, implemented by a computing device, includes: receiving a query request for querying capital chain information of a target account; parsing the query request to obtain an account identifier of the target account and a query condition; retrieving, based on the account identifier from a blockchain system, a plurality of pieces of capital change information of the target account meeting the query condition, wherein the plurality of pieces of capital change information of the target account are pre-recorded in the blockchain system based on a consensus mechanism; and obtaining the capital chain information by linking the plurality of pieces of capital change information based on information associated with a timeline or a plurality of participants associated with the pieces of capital change information.
    Type: Grant
    Filed: March 23, 2020
    Date of Patent: September 14, 2021
    Assignee: ADVANCED NEW TECHNOLOGIES CO., LTD.
    Inventors: Yongsheng Yang, Yingjie Li, Wensheng Dou, Xinyu Huang
  • Patent number: 11093924
    Abstract: A method for determining authenticity of a point of sale device includes: storing a blockchain and point of sale identifier pair, wherein the blockchain is comprised of a plurality of blocks, each comprised of a block header and transaction data values, each transaction data value corresponding to a payment transaction involving a point of sale device associated with the point of sale identifier and includes an indication of approval or denial for the payment transaction; receiving a fraud probability request, the request including the point of sale identifier; identifying a number of transaction data values that include an indication of denial; determine an authenticity value indicating a likelihood that the point of sale device is engaged in fraudulent activity based on a registered latitude and longitude of the point of sale device, the number of transaction data values, and additional criteria; and transmitting the determined authenticity value.
    Type: Grant
    Filed: July 31, 2017
    Date of Patent: August 17, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Ankur Arora
  • Patent number: 11080650
    Abstract: Disclosed is a method, server processing system, system and computer readable medium for managing inventory. In one aspect, the method includes, in a server processing system, steps of: receiving, from a plurality of merchant devices including a first and second merchant device associated with a first and second merchant respectively, inventory data and a plurality of merchant locations which are stored in a data store; receiving, from the first merchant device, data indicative of a requested good that is not stocked by the first merchant; determining that the requested good is stocked by a second merchant using the inventory data of one or more merchants that are located within a proximity of the location of the first merchant; and transferring, to the second merchant device, a request to facilitate provision of the requested good to a customer of the first merchant.
    Type: Grant
    Filed: April 25, 2018
    Date of Patent: August 3, 2021
    Assignee: Mastercard International Incorporated
    Inventor: Ravi Pareek
  • Patent number: 11062313
    Abstract: Embodiments describe an approach for authorizing and documenting eye contact-based computing events using smart contracts. Embodiments comprise receiving smart contract rules from a user associated with performing the eye contact-based computing events using a smart lens, monitoring eye movement for a triggering event, determining an eye contact-based computing request is occurring based on an occurrence of a triggering event, and authenticating a user through biometric security measures on the smart lens. Furthermore, embodiments comprise identifying a focus angle based on measurements by the smart lens, determining that the smart contract rules are satisfied by the focus angle and the authenticating the user, executing the eye contact-based computing event; and logging the eye contact-based computing event on a ledger system.
    Type: Grant
    Filed: September 13, 2019
    Date of Patent: July 13, 2021
    Assignee: International Business Machines Corporation
    Inventor: Sarbajit K. Rakshit
  • Patent number: 11042840
    Abstract: There are provided methods and systems for managing inventory of inventory items in a storage area, and for automatically carrying out an action in response to a change in at least one inventory item in the storage area.
    Type: Grant
    Filed: November 16, 2017
    Date of Patent: June 22, 2021
    Assignee: FRESHUB LTD
    Inventors: Meir Zohar, Moshe Rosenblum, Ofer Solomon, David Kozlovsky, Noam Kronman
  • Patent number: 11023850
    Abstract: Systems and techniques are provided for tracking locations of inventory items in an area of real space including inventory display structures. A plurality of cameras are disposed above the inventory display structures. The cameras in the plurality of cameras produce respective sequences of images in corresponding fields of view in the real space. A memory stores a map of the area of real space identifying inventory locations on inventory display structures. The system is coupled to a plurality of cameras and uses the sequences of images produced by at least two cameras in the plurality of cameras to find a location of an inventory event in three dimensions in the area of real space. The system matches the location of the inventory event with an inventory location.
    Type: Grant
    Filed: January 24, 2019
    Date of Patent: June 1, 2021
    Assignee: STANDARD COGNITION, CORP.
    Inventors: Jordan E. Fisher, Daniel L. Fischetti, Nicholas J. Locascio
  • Patent number: 11010709
    Abstract: The invention concerns a method for updating association data between articles in a retail area and locations of said retail area, said method comprising the steps according to which, —a reading device acquires a sequence of tag identifiers comprising at least two tag identifiers of which the electronic shelf tags are adjacent, one of said adjacent electronic shelf tags being said electronic shelf tag to be located, and another of said adjacent electronic shelf tags being an electronic shelf tag of which the location is known, the reading device transmits the sequence of identifiers to a computer system that updates the association data from the sequence of tag identifiers, by determining: the articles associated with the tags of the sequence of tags, the respective locations of said articles from the order of the tags in the sequence of tags.
    Type: Grant
    Filed: July 25, 2016
    Date of Patent: May 18, 2021
    Inventors: Philippe Bottine, François Robin
  • Patent number: 11004029
    Abstract: A method and system for storing and retrieving a packaging hierarchy of traceable physical items includes at an item marking location, marking physical items to be packaged in the packaging hierarchy, with a unique code with a first and second identifier, transferring packaging relationships between the codes to a track and trace system, identifying for each code in the packaging relationships, hierarchical code relations expressed as parent and/or child codes, and for each code, storing the hierarchical code relations in a section of a data storage location of the first computer system, wherein a start position of the section is determined by a combination of the first and second identifiers of the code.
    Type: Grant
    Filed: April 14, 2020
    Date of Patent: May 11, 2021
    Assignee: KEZZLER AS
    Inventors: Magnar Løken, Morten Haraldsen
  • Patent number: 10990980
    Abstract: This disclosure describes, in part, techniques for generating predictive models based on past transaction data and/or future-event data to predict: (i) when an account of user is expected to fall below a minimum balance associated with that user, and/or (ii) when an account has surplus funds that may safely be moved to a higher-yield account for some amount of time. In response to determining a predicted time at which an account is expected to fall below the minimum balance, the techniques may generate an offer to extend capital to the user prior to the predicted time. In response to determining that a user has or will have surplus funds, the techniques may generate an offer to move some or all of these surplus funds into a separate account providing a higher yield than the primary account of the user.
    Type: Grant
    Filed: July 30, 2019
    Date of Patent: April 27, 2021
    Assignee: Square, Inc.
    Inventors: Jacqueline Reses, Audrey Kim, Theodore Kosev, Andy Montgomery
  • Patent number: 10963954
    Abstract: Embodiments include apparatuses and methods for aggregating temporal restricted values for accounts of a plurality of client entities. Apparatus embodiments include a memory circuit, a current value circuit, a client value circuit, a temporal value circuit, an aggregation circuit, and a net value circuit. The current value circuit determines current value data for accounts attributed to the entity ID. For each client entity ID, the client value circuit determines a participation condition for a value attributable to the client entity ID. The temporal value circuit identifies the participation condition indicates accounts of the client entity are temporally restricted and computes a temporal value corresponding the value. The aggregation circuit aggregates the computed temporal values for the client entity IDs to determine an aggregate temporal value. The net value circuit computes a net value of accounts for the entity based on the determined current value and the aggregated temporal value.
    Type: Grant
    Filed: December 4, 2015
    Date of Patent: March 30, 2021
    Assignee: U.S. Bank National Association
    Inventor: Michael Orzechowski
  • Patent number: 10929828
    Abstract: According to an embodiment, an information processing apparatus that processes information on a product to be traded includes an input device, a memory, and a processor. The processor stores, for each tax rate in the memory, the total price in a trade of a product to which reduction is applied, the product being identified by a product code input by the input device. The processor calculates the amount of tax of the product to be traded on the basis of the total price of a product taxed with a specific tax rate after the reduction processing and the total price of a product taxed with a tax rate other than the specific tax rate.
    Type: Grant
    Filed: November 16, 2017
    Date of Patent: February 23, 2021
    Assignee: TOSHIBA TEC KABUSHIKI KAISHA
    Inventor: Yui Matsukura
  • Patent number: 10872323
    Abstract: A system and method for stand-in processing are provided. The system includes a processor and a memory unit communicatively coupled to the processor. The memory unit is configured to store transaction data received from an acquirer corresponding to a transaction made by a payment card. The processor is configured to determine data representing a point of sale (POS) entry mode of the transaction from the transaction data and, using one or more stand-in rules provided by an issuer of the payment card, process the transaction on behalf of the issuer based on the data representing the POS entry mode. Processing includes approving or declining the transaction.
    Type: Grant
    Filed: November 14, 2017
    Date of Patent: December 22, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Piyush Sharma, Ravinder Wadhwa
  • Patent number: 10860977
    Abstract: Disclosed are various embodiments for shifting inventory within an inventory network. In a traditional push fulfillment model, items are delivered to customers after orders are placed by customers from a warehouse or fulfillment center through a traditional shipping carrier. Using a pull model as described herein, inventory is shifted throughout an inventory network based upon pull signals generated by sensor networks associated with customers that represent predictions for future orders by customers and the inventory is retrieved by the network node that issues the pull signal.
    Type: Grant
    Filed: June 29, 2016
    Date of Patent: December 8, 2020
    Assignee: AMAZON TECHNOLOGIES, INC.
    Inventor: Pragyana K. Mishra
  • Patent number: 10853783
    Abstract: A method may comprise: receiving, from a merchant server, an application programming interface (API) call including an authorization request for payment and a mobile wallet identification; querying a database with the mobile wallet identification to determine a logical location of a mobile wallet associated with the mobile wallet identification; transmitting, based on the determination, a request for a payment source for the payment to the mobile wallet; receiving, from the mobile wallet, an identification of a payment source; and forwarding the identification of the payment source to the merchant server.
    Type: Grant
    Filed: December 30, 2015
    Date of Patent: December 1, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Joon Maeng
  • Patent number: 10846676
    Abstract: The present invention relates to a financial device and a control method and system thereof. The financial device may comprise: one or more selection portions; and a control unit configured to process any one of a plurality of financial processes, when any one of the one or more selection portions is input.
    Type: Grant
    Filed: April 20, 2016
    Date of Patent: November 24, 2020
    Assignee: ATEC AP CO., LTD.
    Inventors: Yong Gyun Choi, Kyung Hee Kim, Kwang Hyun Park, Han Yong Park, So Young Kim