Search Patents
  • Method and device for reducing the likelihood of theft at a gas station or a charging station for motor vehicles
    Patent number: 9169115
    Abstract: A method for preventing fuel theft at a gas station or a charging station for motor vehicles is provided. The method includes determining whether a refueling process or recharging process of a motor vehicle is taking place and activating an emergency operating mode of the motor vehicle until a payment for the refueling process or the recharging process has taken place, the emergency operating mode configured to limit vehicle speed.
    Type: Grant
    Filed: February 4, 2014
    Date of Patent: October 27, 2015
    Assignee: Ford Global Technologies, LLC
    Inventors: Frederic Stefan, Uwe Gussen, Christoph Arndt, Erik Alpman
  • Child support and centralized distribution network
    Patent number: 11861616
    Abstract: Child/family support payments are made on a multilayered consortium ledger network using blockchain, IoT, and other technologies to expedite the process and disbursement of child/family support payments. The multilayered consortium ledger network may cater to local and/or global child support agencies and/or local and global Parties/Parents/family members who elect to send child/family support payments to their family(ies) outside the traditional child support agencies/district attorney offices. The plurality of technologies used support payments made/received using, but not limited to, domestic/foreign fiat, cryptocurrency, tokens, an/or native tokens.
    Type: Grant
    Filed: February 26, 2023
    Date of Patent: January 2, 2024
    Inventor: Eugenia Roxanne Miller
  • Energy Sharing System And Method For A Vehicle
    Publication number: 20190366831
    Abstract: An energy share system includes a first vehicle and a second vehicle. The first vehicle includes a first battery pack and a first battery management module configured to selectively charge and discharge the first battery pack. The second vehicle includes a second battery pack and a second battery management module configured to, in response to receipt of payment, selectively charge the second battery pack with power received from the first battery pack of the first vehicle.
    Type: Application
    Filed: August 8, 2018
    Publication date: December 5, 2019
    Applicant: GM Global Technology Operations LLC
    Inventors: John A. Cafeo, Madhusudan Raghavan, Wei Li, Anil Bika, Azeem Sarwar, Ran Y. Gazit, Winson Ng, Ryan C. Sekol, Thomas A. Yersak
  • TELEMATICS COMPUTER SYSTEM AND METHOD FOR MOBILE WIRELESS RETAIL ORDER PROCESSING AND FULFILLMENT
    Publication number: 20100114734
    Abstract: A method for making a purchase using a vehicle computing system includes receiving input to the vehicle computing system instructing order initiation. The method also includes receiving a selection at the vehicle computing system of a merchant from which to order. The method further includes receiving an order at the vehicle computing system, determining an address of the merchant to which the order was placed and providing directions to the address. These can be provided as, for example, turn by turn directions spoken and/or displayed on a nav display. Finally, the exemplary method includes processing a payment for the order.
    Type: Application
    Filed: November 5, 2009
    Publication date: May 6, 2010
    Applicant: FORD GLOBAL TECHNOLOGIES, LLC
    Inventors: Thomas J. Giuli, Krishnaswamy Venkatesh Prasad, Henry Heping Huang, John Matthew Ginder
  • Systems and Methods to Repossess a Vehicle
    Publication number: 20230055958
    Abstract: The disclosure generally pertains to systems and methods to repossess a vehicle. In an example method, a first computer sends to a second computer, a message pertaining to a notice of delinquency of a vehicle-related payment. The message includes a request to an individual, such as a purchaser or a lessee of the vehicle, to acknowledge receipt of the message. The first computer may be associated with a financing agency (a bank or a lender) and the second computer may be a vehicle computer of the vehicle or a smartphone owned by the individual. When an acknowledgement is not received within a reasonable period of time, the first computer may disable a functionality of a component of the vehicle or may place the vehicle in a lockout condition. The lockout condition may be lifted momentarily in case of an emergency to allow the vehicle to travel to a medical facility.
    Type: Application
    Filed: August 20, 2021
    Publication date: February 23, 2023
    Applicant: Ford Global Technologies, LLC
    Inventors: Anthony Maraldo, Brendan Diamond, Keith Weston, Michael Alan Mcnees
  • METHODS AND APPARATUS FOR SYNCHRONIZED ELECTRONIC BOOK PAYMENT, STORAGE, DOWNLOAD, LISTENING, AND READING
    Publication number: 20110208614
    Abstract: A method and system for using a vehicle's electronic systems to provide all features and functions typically found on a handheld electronic book device. The vehicle's electronic systems can be used in an integrated fashion with a user's handheld electronic book device, such that the vehicle's systems can be used to recite electronic book materials, media files can be shared between the vehicle and the handheld device, bookmarks can be synchronized, and the user can seamlessly switch from one system to the other. The vehicle's electronic systems can also be used independent of any other electronic book device, such that the vehicle's systems provide all electronic book device functionality—including browsing for new reading materials, purchase, download, storage, reading, and listening.
    Type: Application
    Filed: February 24, 2010
    Publication date: August 25, 2011
    Applicant: GM GLOBAL TECHNOLOGY OPERATIONS, INC.
    Inventor: Alfred C. Tom
  • System and method for billing and professional companies and firms relating to budgets and monthly bills
    Patent number: 11475411
    Abstract: The present invention consists of an improved system and method for timekeeping and billing in professional services firms such as those in the areas of law, accounting, architecture and engineering. In the present invention, systems and methods are developed for improved development and management of client budgets where expenditures are continually traced and electronic notices of progress may be automatically transmitted to the client or customer. In addition, security is enhanced by providing security by employee name, level or job title for sensitive client information. Volume discounts can be automatically applied across client name, phase, matter or activity. The client may be provided with an online account secure with an unique ID and password. The system can also handle multiple currencies, payment methods and languages. Clients may be provided with interim bills in real time, as work progresses.
    Type: Grant
    Filed: August 23, 2018
    Date of Patent: October 18, 2022
    Assignee: FULCRUM GLOBAL TECHNOLOGIES INC.
    Inventors: Ahmed Farouk Shaaban, Venkat Thandra
  • Method and apparatus for providing electronic purse
    Patent number: 8118218
    Abstract: Techniques for portable devices functioning as an electronic purse (e-purse) are disclosed. According to one aspect of the invention, a mechanism is provided to enable a portable device to conduct transactions over an open network with a payment server without compromising security. In one embodiment, a device is loaded with an e-purse manager. The e-purse manager is configured to manage various transactions and functions as a mechanism to access an emulator therein. The transactions may be conducted over a wired network or a wireless network. A three-tier security model is contemplated to support the security of the transactions from the e-purse. The three-tier security model includes a physical security, an e-purse security and a card manager security, concentrically encapsulating one with another. Security keys (either symmetric or asymmetric) are personalized within the three-tier security model.
    Type: Grant
    Filed: September 24, 2006
    Date of Patent: February 21, 2012
    Assignees: Rich House Global Technology Ltd., RFCyber Corp.
    Inventors: Liang Seng Koh, Futong Cho, Hsin Pan, Fuliang Cho
  • OFFLINE PROXIMITY RIDESHARE BOOKING SYSTEM
    Publication number: 20210090067
    Abstract: Embodiments described herein are directed to locating the position of a mobile device without an Internet or Global Positioning Service (GPS) connection using a rideshare application that utilizes multiple low-energy communication signals from nearby devices to triangulate position. A first device seeking a rideshare arrangement transmits a low-energy signal as a beacon probe. A rideshare application running on the first device determines a relative position of the first device with respect to two or more other devices using signal triangulation methods. One of the cooperating devices encodes an encrypted communication channel and establishes an encrypted link with at least the first device. The connected devices share user identification information, and the first device transmits payment information to one of the two or more devices for online or offline payment of the rideshare.
    Type: Application
    Filed: September 24, 2019
    Publication date: March 25, 2021
    Applicant: Ford Global Technologies, LLC
    Inventors: Romil Shah, Anuja Shirsat, Matthew Mckenzie, Vidhya Iyer
  • ELECTRONIC CHECK-BASED PAYMENT SYSTEM AND METHODS FOR ISSUING, TRANSFERRING, PAYING AND VERIFYING ELECTRONIC CHECKS
    Publication number: 20150073986
    Abstract: The invention relates to the sphere of information technologies, in particular, to electronic systems and monetary-fund circulation methods and can be used for solving problems of mutual settlements between participants of the electronic payment system in real-time mode. In doing so, the analogue of monetary funds in the invention presented are electronic bank bearer checks complying with bank regulations and the requirements of applicable legislation. The client application units are rendered as grouped into modules by categories corresponding to the user status determined by the unit of authorization of the client and server applications, with provision of the possibility of pre-setting a group of check circulation parameters for each category. The issue of checks is accompanied by the creation of legally-valid documents and reflection of transactions in the check register.
    Type: Application
    Filed: December 28, 2012
    Publication date: March 12, 2015
    Applicant: My Partners and Global Stars Investments (MP&GSI) LTD
    Inventor: Ilya Vladimirovich Kligman
  • METHOD AND SYSTEM FOR IMPLEMENTING AN ELECTRONIC EXCHANGE FOR BILL PAY AND OTHER TRANSACTIONS VIA AN INTERBANK INFORMATION NETWORK (IIN)
    Publication number: 20200380482
    Abstract: The invention relates to an electronic exchange for bill pay transactions via an interbank information network (IIN) architecture. An embodiment of the present invention provides a marketplace for secure collection, assignment and distribution of payments and data from Bill Pay to Lockbox providers. This eliminates paper checks, resulting in faster deposit into client accounts, better management of payment exceptions, and reduction in overall operating costs. The IIN architecture provides a global platform using Blockchain technology for real-time interconnected flow of information that address immediate pain points across the financial industry and enable new services. With an embodiment of the present invention, a distributed network may streamline process for resolving compliance based inquiries and provide global beneficiary account validations.
    Type: Application
    Filed: May 29, 2020
    Publication date: December 3, 2020
    Inventors: Stephen HOFFMAN, Sejdo Radoncic, Tiffany Ashley Wan, Amy M. Leslie, John L. Biloz, Raghvendra Singh
  • Electronic check-based payment system and methods for issuing, transferring, paying and verifying electronic checks
    Patent number: 10134015
    Abstract: The invention relates to the sphere of information technologies, in particular, to electronic systems and monetary-fund circulation methods and can be used for solving problems of mutual settlements between participants of the electronic payment system in real-time mode. In doing so, the analogue of monetary funds in the invention presented are electronic bank bearer checks complying with bank regulations and the requirements of applicable legislation. The client application units are rendered as grouped into modules by categories corresponding to the user status determined by the unit of authorization of the client and server applications, with provision of the possibility of pre-setting a group of check circulation parameters for each category. The issue of checks is accompanied by the creation of legally-valid documents and reflection of transactions in the check register.
    Type: Grant
    Filed: December 28, 2012
    Date of Patent: November 20, 2018
    Assignee: MY PARTNERS AND GLOBAL STARS INVESTMENTS (MP & GSI) LTD
    Inventor: Ilya Vladimirovich Kligman
  • ADVANCED DATA INTEGRITY
    Publication number: 20110173151
    Abstract: A payment integrity system that processes data, including data associated with a biometric technology. The system includes a discovery module to receive insurance records from a source of data, which includes the data associated with the biometric technology, the records providing information that pertain to at least one transaction. The discovery module includes a query component and an artificial intelligence engine to process the records to identify a second subset of the records having anomalous information, and provide a second analysis output indicative of the second subset. The system also includes an audit module to determine whether to instruct the artificial intelligence engine to analyze the records according to the outputs. The system facilitates resolution of a claim payment based on the first analysis output and the second analysis output.
    Type: Application
    Filed: December 13, 2010
    Publication date: July 14, 2011
    Applicant: Accenture Global Services Limited
    Inventors: Michael Scott Hartley, Leana Rachelle Wallace, Lisa Marie Henning, Nicholas Francisco Howell, Sanjay Mathur
  • ADVANCED DATA INTEGRITY
    Publication number: 20120173518
    Abstract: A payment integrity system that processes data, including data associated with a biometric technology. The system includes a discovery module to receive insurance records from a source of data, which includes the data associated with the biometric technology, the records providing information that pertain to at least one transaction. The discovery module includes a query component and an artificial intelligence engine to process the records to identify a second subset of the records having anomalous information, and provide a second analysis output indicative of the second subset. The system also includes an audit module to determine whether to instruct the artificial intelligence engine to analyze the records according to the outputs. The system facilitates resolution of a claim payment based on the first analysis output and the second analysis output.
    Type: Application
    Filed: February 13, 2012
    Publication date: July 5, 2012
    Applicant: Accenture Global Services Limited
    Inventors: Michael Scott HARTLEY, Leana Rachelle WALLACE, Lisa Marie HENNING, Nicholas Francisco HOWELL, Sanjay MATHUR
  • Deposit Token Service System, Apparatus and Method
    Publication number: 20210287191
    Abstract: A system, method and apparatus for providing a global service for securely storing deposit instructions is described. The service provides payment processing services with a central location to translate payee information into a revocable d-token that represents the payee deposit instructions. A second service allows qualified banking institutions to convert the d-token into deposit instructions to effectuate a funds transfer.
    Type: Application
    Filed: March 13, 2020
    Publication date: September 16, 2021
    Applicant: Bottomline Technologies (de) Inc.
    Inventor: Jamie Florio
  • Advanced data integrity
    Patent number: 8583570
    Abstract: A payment integrity system that processes data, including data associated with a biometric technology. The system includes a discovery module to receive insurance records from a source of data, which includes the data associated with the biometric technology, the records providing information that pertain to at least one transaction. The discovery module includes a query component and an artificial intelligence engine to process the records to identify a second subset of the records having anomalous information, and provide a second analysis output indicative of the second subset. The system also includes an audit module to determine whether to instruct the artificial intelligence engine to analyze the records according to the outputs. The system facilitates resolution of a claim payment based on the first analysis output and the second analysis output.
    Type: Grant
    Filed: February 13, 2012
    Date of Patent: November 12, 2013
    Assignee: Accenture Global Services Limited
    Inventors: Michael Scott Hartley, Leana Rachelle Wallace, Lisa Marie Henning, Nicholas Francisco Howell, Sanjay Mathur
  • Advanced data integrity
    Patent number: 8126824
    Abstract: A payment integrity system that processes data, including data associated with a biometric technology. The system includes a discovery module to receive insurance records from a source of data, which includes the data associated with the biometric technology, the records providing information that pertain to at least one transaction. The discovery module includes a query component and an artificial intelligence engine to process the records to identify a second subset of the records having anomalous information, and provide a second analysis output indicative of the second subset. The system also includes an audit module to determine whether to instruct the artificial intelligence engine to analyze the records according to the outputs. The system facilitates resolution of a claim payment based on the first analysis output and the second analysis output.
    Type: Grant
    Filed: December 13, 2010
    Date of Patent: February 28, 2012
    Assignee: Accenture Global Services Limited
    Inventors: Michael Scott Hartley, Leana Rachelle Wallace, Lisa Marie Henning, Nicholas Francisco Howell, Sanjay Mathur
  • Deposit token service system, apparatus and method
    Patent number: 11763278
    Abstract: A system, method and apparatus for providing a global service for securely storing deposit instructions is described. The service provides payment processing services with a central location to translate payee information into a revocable d-token that represents the payee deposit instructions. A second service allows qualified banking institutions to convert the d-token into deposit instructions to effectuate a funds transfer.
    Type: Grant
    Filed: March 13, 2020
    Date of Patent: September 19, 2023
    Assignee: Bottomline Technologies, Inc.
    Inventor: Jamie Florio
  • System and method for developing a mart union to bring the regional stores into e-commerce
    Publication number: 20020082940
    Abstract: A system and method that integrates all domains of stores into a mart union mounted in a web server coupled to the Internet is disclosed. The disclosed mart union encompasses a financial service unit, customer information table, purchase information table, and web pages employed for introduction of the union mart accompanied with electronic stores included inside. The electronic stores can be further classified based on business or professional characteristics so that traditional stores can employ or trust their electronic stores to advertise goods, commodities, and services they provided. Individuals can browse the web server mounted by the mart union to access information from web pages or electronic stores via communication links. Meanwhile, the browsing sequences or traces are simultaneously registered in the customer information table. Additionally, individuals can purchase goods or order services at electronic stores by putting all the ordered ones into virtual shopping carts provided by the mart union.
    Type: Application
    Filed: August 10, 2001
    Publication date: June 27, 2002
    Applicant: Global Mart Int'l (Dalian) Electronics Information Technology Co., Ltd.
    Inventors: Xi-Nam Dam, Brown Duan, Bob Bi
  • System and method for selecting and purchasing stocks via a global computer network
    Patent number: 7177831
    Abstract: The invention is in the field of using a computer to provide automated investment allocation advice, selection of investment securities, customization of the automated advice, execution of investment securities, maintenance/monitoring of investment portfolios and rebalancing of investment portfolios. A user is connected to the Internet. The user connects to the portfolio management program (PMP) host computer through the Internet. The user completes a questionnaire that the PMP uses to generate a suitable investment allocation and specific portfolio strategy recommendation. The user reviews the strategy and specific information about the strategy. The information is transmitted across the Internet to the user. The information transmitted includes historic and/or hypothetical performance, historical and/or hypothetical holdings, current securities selections of the strategy, and a description of the strategy's selection methodology.
    Type: Grant
    Filed: July 24, 2000
    Date of Patent: February 13, 2007
    Assignee: The Globe Resources Group, Inc.
    Inventors: James P. O'Shaughnessy, Gregory L. Cowin, Stephen M. Downey, Gregory L. McIntire, Kevin P. Tyson
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