Avoiding Fraud Patents (Class 705/14.26)
  • Patent number: 11961103
    Abstract: Systems and methods for interfacing with a third-party website. In one embodiment, a computer system is configured to directly interface with a website via a webpage to change certain numerical values through the use of digital codes. The digital codes are applied to a data entry interface on the webpage, and the responses are monitored and transmitted back to a server system.
    Type: Grant
    Filed: December 19, 2022
    Date of Patent: April 16, 2024
    Assignee: PAYPAL, INC.
    Inventor: Ryan David Hudson
  • Patent number: 11954310
    Abstract: A customized interactive computing environment may allow for a customized interactive user experience. The interactive computing environment may be defined by session parameters to customize a session of the interactive computing environment. The session parameters may include customized interactive user objectives that may be defined by a user. Each objective may be defined with a number of points awarded to a user for completing the objective. Real-time interactive user data may be received from user devices for completion of the custom objectives. Custom profile information may be defined by a user to customize user interfaces provided to users that log into a session of the interactive computing environment. Data analysis about the session and/or the defined objectives may be generated and displayed to users to indicate progress or other data about the session.
    Type: Grant
    Filed: December 13, 2021
    Date of Patent: April 9, 2024
    Inventors: James L. Moran, Stephen G. Pjura, Bradley D. Moran, Jesse T. Rendell
  • Patent number: 11812326
    Abstract: A check-in determination apparatus 1 configured to determine check-in indicating that a terminal 2 has entered a geofence which is a prescribed geographic area includes: a related geofence information storage unit 12 configured to store related geofence information in which a related geofence which is another geofence is correlated with each geofence on the basis of a distance to the geofence; a check-in determination unit 14 configured to determine check-in of the terminal 2 sequentially with respect to each of the geofences. When it is determined that the terminal 2 has checked into one geofence, the check-in determination unit 14 excludes the related geofence correlated with the one geofence in the related geofence information stored by the related geofence information storage unit 12 from determination targets in subsequent determination.
    Type: Grant
    Filed: July 22, 2019
    Date of Patent: November 7, 2023
    Assignee: NTT DOCOMO, INC.
    Inventors: Tadashi Okamine, Kazuya Sasaki, Shoichi Horiguchi, Masatoshi Kimoto
  • Patent number: 11805017
    Abstract: A method for determining third party network compliance with a host entity network is provided. The method may include generating a scanning file that includes host entity network compliance standards and transferring the scanning file to an intermediary entity network. The method may further include generating an executable file that may run a plug-in scanning file to scan hardware and software resident at the third-party network for compliance. The method may further include transferring the executable file from the intermediary entity network to the third party network. The method may further include executing the executable file, generating a log file upon the completion of the running of the plug-in scanning file and digitally signing the log file. The method may further include deciphering the log file at the intermediary entity network, generating a readable report based on the deciphering and transferring the readable report to the host entity network.
    Type: Grant
    Filed: August 19, 2021
    Date of Patent: October 31, 2023
    Assignee: Bank of America Corporation
    Inventors: Jeffrey Glasco, Jr., Benjamin Daniel Hardman, Robert Brice
  • Patent number: 11755868
    Abstract: Embodiments provide methods, and server systems for performing a combined transaction for one or more scheduled transactions. The method is configured to generate one or more machine readable codes for the one or more scheduled transactions through a first transaction terminal, where each machine readable code is associated with a scheduled transaction of the one or more scheduled transactions. Further, the method includes generating a composite machine readable code based on the one or more machine readable codes. The generation of composite machine readable code further include, at least one authentication attribute of an assignee. The method, furthermore, includes receiving a second transaction request through a second transaction terminal. The second transaction request includes the composite machine readable code.
    Type: Grant
    Filed: December 23, 2022
    Date of Patent: September 12, 2023
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Ajay Sinha, Bhargav Jagdishchandra Modi, Ajit Karnik, Naveen Kumar Gupta, Deepa Swami, Saurabh Banga, Dipali Pathrabe, Namod Chandrashekar Kunder
  • Patent number: 11693991
    Abstract: The method for checking the integrity of an electronic device (DE), in particular a payment terminal, including at least one processor (MPU), a secure element (SE) able to store and manage data and into which a public key that is intended to verify an electronic signature has been loaded, and a data storage means (MEM), whose content has been authenticated beforehand and whose integrity is able to be verified by the public key, is such that a command to check integrity brings about the execution of the following successive steps: the processor (MPU) of the device calls upon the secure element (SE); in response, the secure element (SE) addresses, to the data storage means (MEM), a request for the purpose of receiving the integral content of its memory; the secure element then executes, on the content received from the memory of the data storage means (MEM), an authenticity verification in order to verify, using the public key (KP), that its content has not been able to be modified since its initial authenticat
    Type: Grant
    Filed: December 21, 2018
    Date of Patent: July 4, 2023
    Assignee: Ledger, SAS
    Inventors: Nicolas Bacca, Olivier Tomaz
  • Patent number: 11663622
    Abstract: Probing data comprising terminal identifier data is received by a broadcast device, the terminal identifier data identifying terminals that are located within a predetermined distance of the broadcast device. The probing data is uploaded by the broadcast device to a server. An information pushing condition is matched by the server based on the terminal identifier data. Information corresponding to an information pushing condition matching the terminal identifier data is pushed by the server to the broadcast device. The received corresponding information is broadcast by the broadcast device.
    Type: Grant
    Filed: December 4, 2019
    Date of Patent: May 30, 2023
    Assignee: Advanced New Technologies Co., Ltd.
    Inventors: Nan Xiao, Zhenyu Yang
  • Patent number: 11645670
    Abstract: In an embodiment, a computer-implemented method providing improvements in clearance of offers, comprising receiving payout transaction metadata from a first computing device controlled by a first entity, the payout transaction metadata relating to a point of sale transaction using a coupon associated with a coupon campaign; in response to approving the coupon for payout, posting a payout transaction to be written on two independent payout blockchains including a first payout blockchain associated with the first entity and a second payout blockchain associated with the coupon campaign, the payout transaction including at least a portion of the payout transaction metadata; receiving payout transaction metadata from a second computing device controlled by a second entity associated with the coupon campaign, the payout transaction metadata relating to a payout event that corresponds with a payout transaction written on the second payout blockchain.
    Type: Grant
    Filed: July 25, 2022
    Date of Patent: May 9, 2023
    Assignee: Quotient Technology Inc.
    Inventors: Michael Walsh, Venkata Radha Krishna Proddaturi, Joshua Arteaga, Ehsan Hoque
  • Patent number: 11605101
    Abstract: As described herein, a collaborative filtering system, method, and computer program provide a model used to calculate ranked predictions for subscribers. In use, data is received which correlates subscribers of a service provider with offers provided to the subscribers by the service provider, wherein each correlation is associated in the data with an indication of whether the offer was accepted by the subscriber. From the data, a plurality of unique correlations between subscribers and offers are determined. An implicit ranking is calculated for each unique correlation, based on the associated indication of acceptance for correlations matching the unique correlation. Input data is generated that includes each unique correlation with the implicit ranking calculated for the unique correlation. The input data is processed utilizing a collaborative filtering algorithm to generate a model configured to provide predicted implicit rankings for new correlations between subscribers and offers.
    Type: Grant
    Filed: March 30, 2020
    Date of Patent: March 14, 2023
    Assignee: AMDOCS DEVELOPMENT LIMITED
    Inventors: Yosef Yehuda Kuttner, Moshe Yechiel Shtein
  • Patent number: 11537830
    Abstract: Embodiments provide methods, and server systems for performing a combined transaction for one or more scheduled transactions. The method is configured to generate one or more machine readable codes for the one or more scheduled transactions through a first transaction terminal, where each machine readable code is associated with a scheduled transaction of the one or more scheduled transactions. Further, the method includes generating a composite machine readable code based on the one or more machine readable codes. The generation of composite machine readable code further include, at least one authentication attribute of an assignee. The method, furthermore, includes receiving a second transaction request through a second transaction terminal. The second transaction request includes the composite machine readable code.
    Type: Grant
    Filed: November 26, 2019
    Date of Patent: December 27, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Ajay Sinha, Bhargav Jagdishchandra Modi, Ajit Karnik, Naveen Kumar Gupta, Deepa Swami, Saurabh Banga, Dipali Pathrabe, Namod Chandrashekar Kunder
  • Patent number: 11526262
    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: December 13, 2022
    Assignee: Apple Inc.
    Inventors: Trevor W. Young, Thomas John Miller, Russell Fenenga, Morgan Grainger
  • Patent number: 11423446
    Abstract: An online advertising system provides a user interface that allows the majority of advertisers to receive an “instantaneous” decision on their ad as soon as it is created. Instead of starting the ad review process after the advertiser submits the full ad for review, each ad component and existing combination of ad components is reviewed when it is entered into the ad creation form. This method allows the system to begin time-consuming aspects of the ad review (i.e., crawling the landing page, analyzing image features) while the user is still spending time on creating the ad.
    Type: Grant
    Filed: December 1, 2016
    Date of Patent: August 23, 2022
    Assignee: Meta Platforms, Inc.
    Inventors: Michal Zgliczynski, Igor Gevka
  • Patent number: 11425070
    Abstract: A client-server computer system includes a client-side application executing on a computing device, operative to communicate with a native application executing on the computing device to obtain and store a multi-media content file generated using the native application in a native content file format. A server includes a server-side application operative to communicate with the client-side application, and operative to: create an association between the multi-media content file, a recipient computing device, and a courier tracking number; determine that delivery of a parcel associated with the courier tracking number has occurred; and transmit the multi-media content file in the native content file format to the recipient device in response to determining that delivery of the parcel has occurred.
    Type: Grant
    Filed: August 24, 2020
    Date of Patent: August 23, 2022
    Inventor: Antonio D. Young
  • Patent number: 11397963
    Abstract: In an embodiment, a computer-implemented method providing improvements in clearance of offers, comprising receiving redemption transaction metadata from a first computing device controlled by a first entity, the redemption transaction metadata relating to a point of sale transaction using a coupon associated with a coupon campaign; in response to approving the coupon for redemption, posting a redemption transaction to be written on two independent redemption blockchains including a first redemption blockchain associated with the first entity and a second redemption blockchain associated with the coupon campaign, the redemption transaction including at least a portion of the redemption transaction metadata; receiving payout transaction metadata from a second computing device controlled by a second entity associated with the coupon campaign, the payout transaction metadata relating to a payout event that corresponds with a redemption transaction written on the second redemption blockchain.
    Type: Grant
    Filed: March 20, 2020
    Date of Patent: July 26, 2022
    Assignee: QUOTIENT TECHNOLOGY INC.
    Inventors: Michael Walsh, Venkata Radha Krishna Proddaturi, Joshua Arteaga, Ehsan Hoque
  • Patent number: 11399079
    Abstract: Methods, systems, and apparatus are described providing networking engines. Specifically, the present specification relates to a method for implementing software containers implementing network engines that may be configured to act in a zero-knowledge environment. In such implementations, all information pertaining to the network engine associated with a user that is stored in the container is solely that of a user unless explicitly shared by the user. In some implementations, the containers may be configured to participate in a publish-and-subscribe network in order to share information. In addition, the containers may be provisioned with controls so that global operators may comply with local privacy rules.
    Type: Grant
    Filed: March 23, 2020
    Date of Patent: July 26, 2022
    Assignee: eIngot LLC
    Inventors: William J. Raduchel, Art Spivy
  • Patent number: 11386465
    Abstract: A method, apparatus, and computer program product are disclosed to provide improved use and generation of promotion vouchers. The method may include receiving an indication of redemption for a particular promotion voucher, determining a promotion type associated with the particular promotion voucher, and presenting an e-commerce interface for redemption of the promotion voucher for at least one promotion, wherein the at least one promotion is of the determined promotion type. Apparatuses and computer readable media are also provided.
    Type: Grant
    Filed: December 1, 2014
    Date of Patent: July 12, 2022
    Assignee: GROUPON, INC.
    Inventors: Tali Rapaport, J. Gray Sandridge
  • Patent number: 11379866
    Abstract: Disclosed herein are methods, systems, and apparatus, including computer programs encoded on computer storage media, for retrieval of values of digital tickets. One of the methods includes receiving a request from a client device for a current value of a digital ticket by a distributing node. The request includes the digital ticket and one or more value changing rules for determining the current value of the digital ticket. The distributing node retrieves a smart contract from a blockchain network in response to the request from the client device. The smart contract includes the one or more value changing rules for determining the current value of the digital ticket. The distributing node determines the current value of the digital ticket based on an original value of the digital ticket and the one or more value changing rules by executing the smart contract, and associates the current value with the digital ticket.
    Type: Grant
    Filed: August 4, 2021
    Date of Patent: July 5, 2022
    Assignee: Advanced New Technologies Co., Ltd.
    Inventors: Zhiyuan Feng, Yanpeng Li, Long Cheng
  • Patent number: 11360875
    Abstract: A method, a system, and an article are provided for detecting and managing anomalies associated with content presentations. An example computer-implemented method can include: obtaining a stream of data including a record of clicks on a plurality of client devices; aggregating the stream of data to generate a batch click stream for each of the client devices; processing the stream of data using a real-time anomaly detector to detect a first anomaly indicating that at least one of the client devices was previously associated with fraudulent clicks; processing each batch click stream using a batch anomaly detector to detect a second anomaly indicating that at least one of the batch click streams includes fraudulent clicks; and facilitating an adjustment of content presentations on the client devices, based on at least one of the detected first anomaly and the detected second anomaly.
    Type: Grant
    Filed: July 11, 2018
    Date of Patent: June 14, 2022
    Assignee: Cognant LLC
    Inventors: Heng Wang, Arun Kejariwal, James Koh, Ishan Upadhyaya, Owen S. Vallis
  • Patent number: 11348142
    Abstract: The present application describes systems, methods and devices for creative asset management, some of which can be utilized in closed/batch supply and/or open real-time bidding (RTB) supply opportunities. The present application further describes systems, methods and devices for omni-channel creative asset management that may have bi-directional features. In particular, in some embodiments, the creative asset management systems, methods, and devices described herein can allow advertisers to consolidate their online advertising efforts into a central platform.
    Type: Grant
    Filed: February 7, 2019
    Date of Patent: May 31, 2022
    Assignee: MEDIAMATH, INC.
    Inventors: Aaron Goldman, Daniel Robert Howard Bougourd, Justin Michael Dougherty, Michael John Perreux, Cullinan B. Hartnett, Wilfried A. Schobeiri, Ming-Lun Tung
  • Patent number: 11315162
    Abstract: An apparatus and corresponding method include a web-based database solution that may be referred to as the “IoT Configurator.” In one example, the IoT Configurator is a machine learning software tool that assists consumers by identifying compatible IoT products for devices they already own or plan to buy in the near future. The IoT Configurator may be configured to provide reviews, news, advice and recommendations regarding IoT devices and services. The IoT Configurator enables a user to learn which IoT products and services are right for them, and how such IoT products/services may be connected. The IoT Configurator enables a user to identify IoT devices that are compatible, that is, IoT devices that may interoperate with each other and share data. The IoT Configurator may employ data stored in at least one IoT database and use that data to help a consumer understand an IoT product's connectivity and compatibility, thereby simplifying the complexity of the IoT product for the user.
    Type: Grant
    Filed: April 3, 2020
    Date of Patent: April 26, 2022
    Assignee: NUFRONTEER MEDIA INC.
    Inventors: Mark W. Westlake, Lance A. Lewis
  • Patent number: 11295364
    Abstract: The present disclosure relates to a system, method, and computer program for matching products across merchants and updating registries based on other users' actions. A registry product database is maintained with product records that correspond to items that have been added to users' registries. Information is received related to a new registry item added to a user's registry from a merchant source. The system determines whether the new registry item matches a product record in the registry product database. If no match, a new product record is created for the new registry item and associated with a new merchant offer. If a match, the registry item is associated with the matching product record and the associated merchant offer is updated. The registries of all users in the system having a registry item matching the product record are updated to reflect a new merchant source or a different valid price.
    Type: Grant
    Filed: December 18, 2019
    Date of Patent: April 5, 2022
    Assignee: Baby List, Inc.
    Inventors: August Flanagan, Jon Skulski, Noah Solnick
  • Patent number: 11288653
    Abstract: A method, apparatus and system for processing a payment request for a virtual commodity on an open network platform are provided. The method includes: receiving a payment request that is sent by a third-party application server according to a request from a terminal, the payment request carrying at least an account identifier; deducting a charge from an account corresponding to the account identifier according to a payment attribute corresponding to the account identifier; and sending a charge deduction result corresponding to the account to the terminal via the third-party application server. According to the present method, usage rate of network and system resources is improved.
    Type: Grant
    Filed: September 24, 2020
    Date of Patent: March 29, 2022
    Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED
    Inventors: Ding Zhang, Ningguo Chen, Jianwei Deng, Mingming Zhao, Hailiang Fan, Yulan Liao, Ruting Chen, Qiang Fei, Songjian Wang
  • Patent number: 11276070
    Abstract: Loyalty program points are pre-selected by a consumer and exchanged for a corresponding value-added reward also pre-selected by the consumer. The pre-selected reward, which can be a value added back to the consumer payment device, is given when the consumer conducts their pre-selected transaction using their consumer payment device. Loyalty program points can be added back to the consumer payment device, and later exchanged for the consumer pre-selected value-adding rewards, by the consumer's transactional use of their consumer payment device. Consumer pre-selected value-added rewards, for instance, can appear as statement credits to an account associated with the consumer payment device. As such, an incentive exists for the consumer to pre-select a transaction to conduct with their consumer payment device to realize a corresponding pre-selected statement credit for such loyal use of their consumer payment device.
    Type: Grant
    Filed: September 27, 2018
    Date of Patent: March 15, 2022
    Assignee: Visa U.S.A. Inc.
    Inventor: Edward W. Fordyce, III
  • Patent number: 11270332
    Abstract: An example system may include a processor and memory of an ad processing server, wherein the processor is configured to perform one or more of receive a product-related keyword associated with a category from the at least one mobile node; retrieve matched data linked with discount coupons data from a data source based on the product-related keyword and the category; send a text message comprising an embedded object associated with the matched data to the at least one mobile node; and responsive to a receipt of selected discount coupon data from the least one mobile node, execute a redeem code associated with a selected discount coupon data keyword.
    Type: Grant
    Filed: March 29, 2021
    Date of Patent: March 8, 2022
    Assignee: Webtxt LLC
    Inventor: Mark Tod Frisbie
  • Patent number: 11220380
    Abstract: The child-resistant container includes a receptacle having an inner cavity, a lid that selectively couples with the receptacle to enclose the inner cavity when in a locked position, and a lock movable between the locked position securing the lid to the receptacle to substantially prevent access to the inner cavity and an unlocked position permitting the lid to move relative to the receptacle to expose access to the inner cavity. The receptacle and lid combination may include a lid that pivots relative to a container about a hinge and locks thereto by locking catches in the container sidewalls; or may include an outer housing enclosing an inner storage container in slide-in relation, wherein a pair of safety tabs extend from the inner storage container and through the outer housing into a respective pair of locking channels formed therein.
    Type: Grant
    Filed: July 31, 2019
    Date of Patent: January 11, 2022
    Assignee: Raymond Christopher Enterprises LLC
    Inventors: Ruben Kachian, Mike Toroyan
  • Patent number: 11210878
    Abstract: User access to a physical location (e.g., a homes, businesses, or other locations) may be granted for certain limited tasks based on one or more access procedures stored in a registry and associated with an identity of the user. Such access may be given without including an interaction with an owner, administrator, or manager of the location. User individuals may self-identify themselves to an access server or registry after arriving at the premises and receive corresponding access privileges via one or more devices within the premises based on access procedures stored in the access registry. The access procedures may be executed by the access server through communications with access devices within or about the premises and may be tailored based on the type of user individual or type of access requested.
    Type: Grant
    Filed: January 8, 2019
    Date of Patent: December 28, 2021
    Assignee: Comcast Cable Communications, LLC
    Inventors: David Wechsler, Neal Foster
  • Patent number: 11210729
    Abstract: According to one aspect, embodiments of the invention provide a method for administering a virtual gift card, the method comprising acts of receiving a request from a server of a retailer, providing, in response to the request, an interface to a terminal operated by a purchaser, the interface comprising fields for receiving a value and a recipient for the virtual gift card, receiving from the terminal, in response to input from the purchaser, the value and the recipient for the virtual gift card, generating a code for the virtual gift card, and sending a message to the recipient of the virtual gift card, the message including the code for the virtual gift card.
    Type: Grant
    Filed: July 14, 2017
    Date of Patent: December 28, 2021
    Assignee: CASHSTAR, INC.
    Inventors: David D. Stone, Glenn Snyder, Phelps Peeler
  • Patent number: 11200274
    Abstract: A system and method for providing search results is disclosed. One embodiment includes first presenting an image containing a product to a user and providing the user with a user interface for selecting the image, or a portion of the image associated with the product, from among several images. Search results are generated by searching for at least one characteristic based on one tag applied to the image or portion of the image in a database associated with a brand or designer identified in a second tag. In another embodiment, a user is provided with an upload interface to upload and tag an image so that the image is tagged for use in generating and providing search results to an independent user.
    Type: Grant
    Filed: September 7, 2017
    Date of Patent: December 14, 2021
    Assignee: FashionLoyal Inc.
    Inventors: Sai Kong, Eric Entenman, Reza Mazaheri, Hooman Azmi
  • Patent number: 11182816
    Abstract: Methods, systems, and devices, including computer programs encoded on computer storage media, for processing an electronic coupon link are provided. One of the methods includes: receiving, by a server, an electronic coupon link from a first user terminal; determining a first attribute of the electronic coupon link according to the electronic coupon link; determining, according to the first attribute, a storage pool corresponding to the first attribute from a plurality of storage pools; and storing the electronic coupon link in the storage pool corresponding to the first attribute, for a second user terminal to obtain the electronic coupon link in the storage pool. The storage pool may store one or more electronic coupon links.
    Type: Grant
    Filed: October 17, 2019
    Date of Patent: November 23, 2021
    Assignee: ADVANCED NEW TECHNOLOGIES CO., LTD.
    Inventors: Yun Wang, Fang Wang, Zhao Chen, Jie Yan
  • Patent number: 11182821
    Abstract: A system and method of saving deal offers to be applied at a point-of-sale (POS) of a retail store may include receiving, by a mobile device via a communications network, multiple advertisements inclusive of selectable deal offers of products being sold at the retail store for a user to select. Responsive to a user selecting to view an advertisement of a product on the mobile device, the deal offer of the product to be presented to the POS to be applied to a cost of the product may be automatically stored. Responsive to a check out request at the mobile device, data inclusive of the deal offer to be presented to the POS to apply the deal offer to the cost of the product to which the deal offer is associated may be generated.
    Type: Grant
    Filed: July 28, 2014
    Date of Patent: November 23, 2021
    Assignee: Exxcelon Corporation
    Inventors: Jonathan Wolinsky, Robert I. Wolinsky, Steven W. Wolinsky
  • Patent number: 11176584
    Abstract: A method includes establishing an agreement between a first issuing server and a second issuing server regarding first exchange items to have an extended use corresponding to a second type of use. The method further includes storing, by a server, the agreement. The method further includes receiving, by the server, a request for use of a first exchange item from a merchant server regarding a transaction by a user computing device for a particular item. The method further includes determining, by the server, whether the merchant server is affiliated with the first or second issuing server. The method further includes, when the merchant server is affiliated with the second issuing server, interpreting, by the server, the agreement to determine extended use parameters. The method further includes processing, by the server and in accordance with the extended use parameters, use of the first exchange item for the particular item.
    Type: Grant
    Filed: September 23, 2016
    Date of Patent: November 16, 2021
    Assignee: RAISE MARKETPLACE, LLC
    Inventors: Conrad Hancock Barski, Josh K. Metnick
  • Patent number: 11170452
    Abstract: A system of promoting a specific product or service by a person. The system includes a network and an e-commerce/customer social media and networking platform coupled to the network. The e-commerce/customer social media and networking platform includes a social networking platform providing social networking services to a plurality of users communicating with the e-commerce/customer social media and networking platform via the network and an e-commerce module for performing online purchase transactions of goods and services published on the e-commerce/customer social media and networking platform. The e-commerce module displays products or services for sale to the plurality of users and enacts purchase transactions of a product or service selected by a purchasing user. Endorsements received from the purchasing user may be published to a plurality of users following the purchasing user.
    Type: Grant
    Filed: March 26, 2020
    Date of Patent: November 9, 2021
    Inventor: Mohammed Almosilhi
  • Patent number: 11120466
    Abstract: Prospective deals for a deal vendor's deal inventory may be scored according to one or more population-specific expected-yield scores, such as expected revenue yield, expected new customers yield, and the like. A prospective deal is categorized and characterized according to a number of yield-related characteristics. Some or all of the prospective deal's characteristics are mapped to yield components derived from completed deals that have been offered to a particular population. An expected-yield score for a prospective deal with regard to that population is obtained by combining the mapped yield components.
    Type: Grant
    Filed: August 2, 2016
    Date of Patent: September 14, 2021
    Assignee: GROUPON, INC.
    Inventors: Martin Tobias, Dane Knecht, Samy Aboel-Nil
  • Patent number: 11113708
    Abstract: A system may include a gift card generation server configured to generate electronic gift cards. The system may also include a gift card exchange server cooperating with the gift card generation server and configured to provide a user exchange marketplace for the electronic gift cards and collect user card exchange information based thereon. The gift card exchange server may also be configured to generate at least one digital coupon based upon the user card exchange information.
    Type: Grant
    Filed: June 19, 2018
    Date of Patent: September 7, 2021
    Assignee: INMAR CLEARING, INC.
    Inventors: Jess D. Walker, David E. Johnson
  • Patent number: 11087346
    Abstract: Disclosed herein are methods, systems, and apparatus, including computer programs encoded on computer storage media, for retrieval of values of digital tickets. One of the methods includes receiving a request from a client device for a current value of a digital ticket by a distributing node. The request includes the digital ticket and one or more value changing rules for determining the current value of the digital ticket. The distributing node retrieves a smart contract from a blockchain network in response to the request from the client device. The smart contract includes the one or more value changing rules for determining the current value of the digital ticket. The distributing node determines the current value of the digital ticket based on an original value of the digital ticket and the one or more value changing rules by executing the smart contract, and associates the current value with the digital ticket.
    Type: Grant
    Filed: October 31, 2019
    Date of Patent: August 10, 2021
    Assignee: Advanced New Technologies Co., Ltd.
    Inventors: Zhiyuan Feng, Yanpeng Li, Long Cheng
  • Patent number: 11055680
    Abstract: In a method of processing a cash transaction, a transaction processing system receives an account transaction request identifying a user account and a cash transaction to be carried out using a cash service machine (CSM). A set of CSMs available for processing the account transaction request is determined and a list of available CSMs is transmitted to the requesting user device. A request to process the transaction including an identification of a selected CSM is received the user device or the selected CSM. A unique authentication code is generated and transmitted to the processing requester. The transaction processing system receives from the non-process requester, an authentication request including a purported authentication code. The system then verifies that the purported authentication code matches the unique authentication code. Upon positive verification, the system transmits an instruction to the CSM to carry out a cash exchange according to the requested account transaction.
    Type: Grant
    Filed: December 23, 2019
    Date of Patent: July 6, 2021
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Jeremy Phillips, Aditya Joshi
  • Patent number: 11055763
    Abstract: Methods, systems, and media for user authentication in hybrid online and real-world environments are disclosed. In one example, a method comprises providing a real-world environment including a display of physically retrievable items available for purchase, detecting the presence of a user device associated with a user in the real-world environment, and storing identity data received from the user device. Interest data for one of the physically retrievable items is identified based on sensed biometric data of the user and an online offering for a comparable online item is automatically implemented without manual operation of the user device. A user identification associated with an online account is derived based on the stored identity data received from the user device and the online offering for the item comparable to the physically retrievable item is provided to the online account associated with the user identification.
    Type: Grant
    Filed: April 4, 2018
    Date of Patent: July 6, 2021
    Assignee: eBay Inc.
    Inventor: Phil Jae Kim
  • Patent number: 11030654
    Abstract: An approach to facilitating virtual item promotions via time-period-based virtual item benefits is provided. A store interface may present offers to users of a game space to purchase item instances of virtual items associated with in-space benefits. Item instances of a first virtual item may be configured to be activated by the users in the game space to obtain one or more first in-space benefits. A promotion that is conducted for the game space may be managed such that, during a first promotion time period, item instances of the first virtual item purchased through the store interface may be modified instances of the first virtual item. The modified instances may be configured to be activated by the users in the game space during a second promotion time period to obtain one or more second in-space benefits.
    Type: Grant
    Filed: March 27, 2019
    Date of Patent: June 8, 2021
    Assignee: KABAM, INC.
    Inventors: Michael C. Caldarone, Stephanie K. Schultz
  • Patent number: 11017411
    Abstract: Provided is a method for presenting images with embedded links for multi-channel redemption in a user interface. The method includes displaying an image including a first selectable portion and a second selectable portion, wherein a first link is embedded in the first selectable portion and points to a portal under control of a transaction handler, the first link identifying an offer for a merchant including at least one condition, and wherein a second link is embedded in the second selectable portion and points to the merchant. The method further includes, in response to a user selecting the first selectable portion of the image and following the first link, identifying, by the transaction handler and/or the portal, the user and an account of the user, and associating, by the transaction handler and/or the portal under control of the transaction handler, the offer with the account of the user.
    Type: Grant
    Filed: April 3, 2018
    Date of Patent: May 25, 2021
    Assignee: Visa U.S.A. Inc.
    Inventors: John Hamilton MacIlwaine, Kirsten Garen, Mark Carlson, George William Coombes, IV, Russell P. Zink, Patrick Stan, Surendra Keshan
  • Patent number: 11010778
    Abstract: A coupon-minter is configured to perform operations including: generating a coupon comprising encrypted discount information, wherein the encrypted discount information is encrypted with a discount key; generating, for the coupon, a hashlock from a preimage; introducing the coupon to a blockchain in association with the hashlock, wherein the blockchain is configured to permit claiming of the generated coupon only upon receiving access to the preimage used to generate the hashlock. A store-manager configured to perform operations including: claiming, using the preimage, the coupon in the blockchain; encrypting the discount key with a clearing-house public key; updating the coupon with the encrypted discount key. A clearing-house-manager configured to perform operations comprising: detecting the store-manager's claiming of the coupon; decrypting the encrypted discount key with a clearing-house private key to re-generate the discount key; and decrypting the encrypted discount information with the preimage.
    Type: Grant
    Filed: March 6, 2017
    Date of Patent: May 18, 2021
    Assignee: Valassis Communications, Inc.
    Inventors: Jay Webster, Alexander J. Olson, Tobias Speckbacher, Andreas Binnewies
  • Patent number: 11004136
    Abstract: There are provided systems and methods for user specific data distribution of crowd-sourced data. A user may provide data indicative of an item the user may wish to purchase, for example, through browsing history, entry of the item to a transaction, or other information. A community of users associated with the user, which may include the user or other known or nearby users, may provide real-time data collected by their devices of information that may be relevant to purchase of the item. The information may be passively or actively collected by components of devices for their devices, and may be crowd-sourced so that the community of users may elect to release the information and receive rewards by virtue of their data sharing. The information may be processed to determine a recommendation for purchase, which may be output through a commonly used communication platform for the user.
    Type: Grant
    Filed: October 20, 2017
    Date of Patent: May 11, 2021
    Assignee: PAYPAL, INC.
    Inventor: Akshay Sanjeevaiah Krishnaiah
  • Patent number: 11004059
    Abstract: Systems, apparatus, methods, and non-transitory media for programmatically grouping consumers are discussed herein. Some embodiments may include a system configured to provide to shared promotion redemptions. The system may include a merchant device with processing circuitry configured to associate multiple consumer accounts with a point-of-sale order. Based on receiving redemption data from a consumer device associated with one of the consumer accounts, the system may be further configured to allow the consumer device to share a selected promotion. For example, the system may determine payment share amounts for each consumer account based on a transaction price of the point-of-sale order and the redemption value of the promotion selected for shared redemption.
    Type: Grant
    Filed: August 29, 2019
    Date of Patent: May 11, 2021
    Assignee: GROUPON, INC.
    Inventors: Rishi R. Arora, Alan Deitch, Geoffrey Hubert Woo, Mahmudul Arefin Din, Robert James Skillington, Michael Chen, Tihomir Tsankov Georgiev
  • Patent number: 10990998
    Abstract: A merchant point-of-sale (“POS”) system architecture is provided. Systems and methods are provided for enabling free form rewards in a custom rewards transaction at a POS terminal. A custom rewards transaction may be a transaction in which a customer opts-in to a merchant-funded rewards (“MFR”) program. The merchant may offer rewards in the MFR program based on location and customer data. The merchant may offer rewards that promote customer behaviors that are advantageous to the merchant. Opting-in to the MFR program may terminate the customer's default enrollment in a conventional issuer-bank funded rewards program.
    Type: Grant
    Filed: May 11, 2018
    Date of Patent: April 27, 2021
    Assignee: Bank of America Corporation
    Inventors: Mark Churchill Monaco, Tony England, Matthew D. Murphy, David C. Tyrie
  • Patent number: 10984438
    Abstract: Technologies for automatically validating the functionality of offers in a cloud service brokerage system include an offer validation computing device configured to identify scenarios of an offer to be validated and generate a series of high-level steps and placeholders for the scenarios of the offer which correspond to an application package associated with a cloud application. The offer validation computing device is further configured to determine one or more low-level steps for each of the placeholders, replace each of the placeholders with a corresponding one or more associated low-level steps, and package the one or more associated low-level steps and the generated high-level steps into a validation tool, which is usable by the cloud service brokerage system to automatically validate the functionality of the scenarios of the offer. Additional embodiments are described herein.
    Type: Grant
    Filed: July 28, 2017
    Date of Patent: April 20, 2021
    Assignee: INGRAM MICRO INC.
    Inventors: Rostislav Koryakin, Viacheslav Dubinskii, Timur Khakimyanov, Igor Vagulin
  • Patent number: 10965460
    Abstract: This invention provides merchants the capability to mint store credit as a secure physical handheld coin, resisting fraud and counterfeiting. It is based on a technology that marks the physical handheld coins with a large number of features, the reading of these features representing an assigned unique identity or signature, an assigned nominal monetary value, and assigned limitations of use, all verifiable through blockchain technology. This secure physical handheld coin, as well as a secure digital coin, may be cash-redeemable, and use-trackable to leverage the store's credibility to push its loyalty currency into the wallets of the public and win more customers.
    Type: Grant
    Filed: August 24, 2020
    Date of Patent: March 30, 2021
    Inventor: Gideon Samid
  • Patent number: 10956926
    Abstract: A system for processing a digital promotion may include a mobile device associated with a given user and a digital promotion server. The server may operate a messenger bot associated with a first digital promotion for a product. The first digital promotion may be redeemable at a redemption location. The server may collect information from the messenger bot and communicate the first digital promotion through the messenger bot to the mobile device based upon the collected information. The server may also permit redemption of the first digital promotion at the redemption location and obtain an identification of another product included with the product on a guest check from the redemption location and associated with the given user. A second digital promotion associated with the at least one other product and for redemption at another location other than the redemption location may be determined and communicated to the mobile device.
    Type: Grant
    Filed: October 9, 2018
    Date of Patent: March 23, 2021
    Assignee: INMAR CLEARING, INC.
    Inventors: Greg Clem, Nathanael Georgeson, Samuel May, O'Ryan McEntire, Zackary Smith
  • Patent number: 10949868
    Abstract: A method and system for one time use of electronic retailer coupons is disclosed herein. The method and system prevents fraud, is specific to a geolocation and provides an audit trail of the customer, cashier and marketing platform. A user can also earn a subsequent coupon by referring a friend.
    Type: Grant
    Filed: March 20, 2016
    Date of Patent: March 16, 2021
    Assignee: Mobivity, Inc.
    Inventor: Alex Shah
  • Patent number: 10943248
    Abstract: A method and system for providing geographic location notifications for targeted offers is disclosed. One embodiment of the invention is directed to a method including monitoring for an event to trigger a targeted offer. Upon detection of the event, the offer is generated. The offer is targeted to a consumer and is generated using payment data generated in response to transactions conducted by the consumer with a plurality of different merchants. A geographic location for redeeming the offer is determined. A notification message is generated about the offer. The notification message includes the offer and the geographic location for redeeming the offer. The notification message is sent to a notification device which is operated by the consumer. A graphical depiction of the offer is displayed on a map on the notification device.
    Type: Grant
    Filed: August 23, 2019
    Date of Patent: March 9, 2021
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Mark Carlson, Patrick L. Faith
  • Patent number: 10937046
    Abstract: Disclosed are methods, systems, and non-transitory computer-readable medium for automatically testing and applying codes to electronic shopping carts. For instance, the method may include: monitoring a browsing session of a user on an e-commerce website; determining whether a trigger condition is present based on the monitoring; when the determining determines the trigger condition is present, automatically performing a code test process for a first set of codes to obtain a first test result, the first set of codes being one or more codes among a plurality of codes for the e-commerce website; and upon completion of the code test process for the first set of codes, displaying a first menu, the first menu including information corresponding to the first test result.
    Type: Grant
    Filed: November 27, 2019
    Date of Patent: March 2, 2021
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: William George Henderson, Kace Layton, Dallas Duncan
  • Patent number: 10915636
    Abstract: In one aspect, the disclosure provides: A method comprising: inviting a distributed plurality of researchers to participate in one or more computer vulnerability research projects directed to identifying computer vulnerabilities of one or more networks and/or computers that are owned or operated by a third party; assessing reputation and skills of one or more of the researchers, and accepting a subset of the researchers who have a positive reputation and sufficient skills to perform the investigations of the computer vulnerabilities; assigning a particular computer vulnerability research project, relating to a particular network under test, to a particular researcher from among the subset of the researchers; using a computer that is logically interposed between the particular researcher and the particular network under test, monitoring communications between the particular researcher and the particular network under test, wherein the communications relate to attempting to identify a candidate security vulnera
    Type: Grant
    Filed: September 27, 2017
    Date of Patent: February 9, 2021
    Assignee: Synack, Inc.
    Inventors: Jay Kaplan, Mark Kuhr