Patents Examined by Abhishek Vyas
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Patent number: 12387219Abstract: Systems and methods are disclosed for managing a plurality of supplemental payment sources of a user. One method includes: receiving a primary payment source account of a user for a purchase transaction originating at the merchant, the primary payment source account having an identifier associated with one or more supplemental payment source accounts; receiving supplemental payment source accounts of a user for applying to a payment transaction originating at the merchant; receiving, from a user device, preference settings to apply one or more of the supplemental payment source accounts to a payment transaction; receiving a transaction authorization request from the merchant or merchant acquirer for a transaction amount; and determining a combination of payment source accounts to use in the payment transaction, from a group comprising one or more supplemental payment source accounts and the primary payment source account, and any of one or more preference settings.Type: GrantFiled: September 29, 2022Date of Patent: August 12, 2025Assignee: Worldpay, LLCInventors: Erik Baar, Richard Hill
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Patent number: 12387260Abstract: Systems and methods involving computer-based processing for helping customers meet their minimum spend requirement for their introductory credit card offer are disclosed. In one embodiment, an exemplary computer-implemented method may comprise: receiving a total spending amount of a promotional credit card associated with an introductory credit card offer; determining a critical amount to satisfy the minimum spending amount of the promotional credit card; and causing to present a reminder on a screen of a user-associated computing device.Type: GrantFiled: November 3, 2023Date of Patent: August 12, 2025Assignee: Capital One Services, LLCInventor: Ankit Kothari
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Patent number: 12380454Abstract: Provided are a method, system, and computer program product for generating synthetic data. The method includes generating a correlation graph of a plurality of data types based on a plurality of correlations. The method also includes generating a directed acyclic graph of the plurality of data types based on the correlation graph. The method further includes traversing the directed acyclic graph to produce a hierarchical graph of the plurality of data types, wherein the hierarchical graph includes a plurality of nodes, and wherein each node of the plurality of nodes is associated with a data type of the plurality of data types. The method further includes generating synthetic training data including a plurality of records of data by repeatedly traversing the hierarchical graph and based on a plurality of sets of values and a plurality of sets of interdependencies.Type: GrantFiled: March 20, 2023Date of Patent: August 5, 2025Assignee: Visa International Service AssociationInventors: Xiao Tian, Jianhua Huang, Chiranjeet Chetia, Shi Cao, Marc Corbalan Vila, Claudia Carolina Barcenas Cardenas
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Patent number: 12373813Abstract: User devices are disclosed for managing a plurality of supplemental payment sources of a user. One method includes: generating and displaying a user interface prompting a user to input: an identifier of a primary payment source account for applying resources to transactions originating at one or more merchants, the primary payment source account being accounted for in a first data structure of a shared ledger and having its identifier linked with one or more supplemental payment source accounts; identifiers of one or more supplemental payment source accounts for applying resources to transactions originating at one or more merchants, the supplemental payment source accounts being accounted for in second and subsequent data structures of the shared ledger; and preference settings for applying resources of the primary payment source account and the supplemental payment source accounts to transactions, based on identities or categories of merchants involved in the transactions.Type: GrantFiled: September 29, 2022Date of Patent: July 29, 2025Assignee: Worldpay, LLCInventors: Erik Baar, Richard Hill
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Patent number: 12354172Abstract: A method, apparatus and computer program product are provided for validating electronic distribution transactions and reducing non-compliant electronic distribution transactions. A distribution application enables users to enter details relating to a retirement account distribution. A tax service integrated with the distribution application provides scenario-specific tax withholding information, and enforces relevant tax withholding rules. A user provides withholding information and the system ensures compliance by validating the transaction against the withholding rules. The system displays to the user error that need to be corrected, and a breakdown of the proceeds from the transaction. The tax service is implemented remotely from the distribution application so that changing tax regulations may be implemented into the tax service without impacting the distribution application.Type: GrantFiled: January 27, 2023Date of Patent: July 8, 2025Assignee: Wells Fargo Bank, N.A.Inventors: Jeffrey L. McCraney, Lara A. Kramer, Sarah Lynn Auvil, M. David Thomas, Kenneth R. Bergeson, Krista K. Norman, Jack R. Zentmeyer, Natalie Reitz Hurst, Cathy A. Shea, Darrel Rogers, Daniel R. Sumerfelt, Deepti Suresh, Piotr Tadeusz Gumulka, Marco Antonio Pontes, Devin Mauzy, Michael Connors, Linda J. Class, Janice V. Lobben, Robert J. Young, Jr., Frederick StClair, Paulo Alberto Goncalves
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Patent number: 12354103Abstract: Provided is a method that includes determining cuisine type classifiers based on merchant data, receiving transaction data associated with each payment transaction of a plurality of payment transactions involving a plurality of merchants and a plurality of consumers; determining, with at least one processor, a plurality of cuisine type labels based on a plurality of merchant names associated with the plurality of payment transactions or a portion of the plurality of payment transactions, wherein a cuisine type label identifies a cuisine type provided by a respective merchant of the plurality of merchants; generating a merchant cuisine type model from the transaction data to determine a cuisine type label of a merchant, the merchant cuisine type model based on the transaction data, and makes an inference based on a combination of merchant or consumer features associated with a payment transaction of the plurality of payment transactions; and automatically predicting one or more cuisine type classifications usiType: GrantFiled: April 26, 2022Date of Patent: July 8, 2025Assignee: Visa International Service AssociationInventors: Hossein Hamooni, Himel Dev
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Patent number: 12346884Abstract: Methods and systems for remote check deposit are disclosed. A check for deposit is processed without the need for a server to receive any image of the check initially. Instead, optical character recognition (OCR) data is received at the server from a mobile device. Verification processing for the check is then performed using the OCR data. If the verification process is successful, a confirmation notification is sent to the mobile device. Subsequently, after sending the confirmation notification, a check image is received, from which the OCR data was determined. The check is, in turn, processed for deposit using the received check image.Type: GrantFiled: February 21, 2025Date of Patent: July 1, 2025Assignee: U.S. Bank National AssociationInventors: Marlen L. Foster, Connie K. Yung, Vijay Narayanan, Raj M. Bharadwaj, Soumitri Naga Kolavennu, Jessica G. Winberg, Balasubramanian Narayanan, Hima Rama Subrahmanyam Vishnubhotla
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Patent number: 12346974Abstract: A system may include a router that may receive a plurality of data packets from one or more devices that communicatively couples to the router. The system may also include at least one processor that identifies an identity of a device based on a data packet received by the router from the device, generate an insurance policy that includes the device in response to identifying the identity of the device, and sends a notification indicative of the insurance policy to a computing device in response to generating the insurance policy.Type: GrantFiled: February 8, 2024Date of Patent: July 1, 2025Assignee: United Services Automobile Association (USAA)Inventors: Emily Margaret Gray, Daniel Christopher Bitsis, Jr., Qunying Kou, Robert Wiseman Simpson, Manfred Amann, Donnette Moncrief Brown, Eric David Schroeder, Meredith Beveridge, Michael J. Maciolek, Bobby Lawrence Mohs, Brian F. Shipley, Justin Dax Haslam, Ashley Raine Philbrick
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Patent number: 12315001Abstract: Provided is an electronic payment system which receives a payment request for electronic payment when a user visits a predetermined place to use a series of services, the electronic payment system including at least one processor configured to: determine, depending on the user, which one of real-time payment to be executed for each payment request or lump-sum payment to be collectively executed for a plurality of payment requests is to be executed; and execute one of the real-time payment or the lump-sum payment based on a result of the determination.Type: GrantFiled: March 30, 2022Date of Patent: May 27, 2025Assignee: Rakuten Group, Inc.Inventor: Sachiko Fukushima
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Patent number: 12299655Abstract: A method enabling processing electronic transactions received at the ATM when network connection with the central server is disrupted. The method may enable processing each electronic transaction received using an alternative data routing pathway. The alternative data routing pathway may leverage one or more edge devices within close proximity to the ATM to serve as a proxy for transmitting data to the central server. The one or more edge devices may be enabled to carry electronic transaction data from electronic transactions processed locally at the ATM to a location where a network connection between the one or more edge devices and the central server may be established. When in a location including network connection, the one or more edge devices may transmit the electronic transaction data to the central server.Type: GrantFiled: August 11, 2022Date of Patent: May 13, 2025Assignee: Bank of America CorporationInventors: Manu Kurian, Siten Sanghvi, Heather Dolan, George Albero, Maharaj Mukherjee, Kevin A. Delson
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Patent number: 12293365Abstract: Provided is a computer-implemented method for authenticating a customer during payment transactions based on biometric identification parameters of the customer that includes receiving image data associated with an image template for identification of a customer, receiving image data associated with an image of a biometric identification parameter of the customer during a payment transaction between the customer and a merchant, establishing a short-range communication connection with a user device associated with the customer during the payment transaction between the customer and the merchant, authenticating an identity of the customer for the payment transaction via the short-range communication connection, determining an account identifier of an account of the customer based on authenticating the identity of the customer for the payment transaction, and processing the payment transaction using the account identifier of the account of the customer. A system and computer program product are also disclosed.Type: GrantFiled: February 15, 2023Date of Patent: May 6, 2025Assignee: Visa International Service AssociationInventors: Elianna Starr, Dennis Franklin Olson, Amy Dawson, Andres Jimenez, Jiayun He, Amisha Sisodiya, Jorge Andre Torres Perez Palacios, Binoy Parag Parikh, Saloni Vijaykumar Mahajan, Sowmya Vuddaraju, Sneha Sri Tadepalli, Lacey Best-Rowden, Kim R. Wagner, Sunpreet Singh Arora, Sunit Lohtia, John F. Sheets
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Patent number: 12293409Abstract: Technology is described for generating a tax return document. In one example, a payment service system presents a user interface on a mobile device of a user. Based on user selection of an icon of the user interface, the payment service system determines tax liability of the user and generates tax return documents on behalf of the user. The tax liability and tax return documentation is based at least in part on a user profile of the user stored at the payment service system and on financial data associated with services provided to the user by the payment service system.Type: GrantFiled: June 9, 2022Date of Patent: May 6, 2025Assignee: Block, Inc.Inventors: Philip Parker, Andrew Gertig
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Patent number: 12288210Abstract: A computer system for validating an account to be used in an electronic payment includes a processor coupled to a memory device. The computer system is programmed to receive an account validation web request from a bill payment originator. The account validation web request includes account details. The computer system is further programmed to process the account validation web request to parse the account details, validate the account details associated with the account validation web request using at least one validation rule, and transmit an account validation web response to the bill payment originator.Type: GrantFiled: June 17, 2019Date of Patent: April 29, 2025Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Amy Christine Milam, Stephen J. Klaus, Allen Russell Thompson, Richard G. Ampleman
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Patent number: 12282925Abstract: A method, apparatus and computer program product that provides multi-phase privacy-preserving inferencing in a high throughput data environment, e.g., to facilitate fraud prediction, detection and prevention. In one embodiment, two (2) machine learning models are used, a first model that is trained in the clear on first transaction data, and a second model that is trained in the clear but on the first transaction data, and user data. The first model is used to perform inferencing in the clear on the high throughput received data. In this manner, the first model provides a first level evaluation of whether a particular transaction might be fraudulent. If a transaction is flagged in this first phase, a second more secure inference is then carried out using the second model. The inferencing performed by the second model is done on homomorphically encrypted data. Thus, only those transactions marked by the first model are passed to the second model for secure evaluation.Type: GrantFiled: May 10, 2021Date of Patent: April 22, 2025Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATIONInventors: Roman Vaculin, Kanthi Sarpatwar, Hong Min
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Patent number: 12282965Abstract: Personalized insurance systems, including vehicle-based devices and modules, insurance system servers, personal mobile devices, and other computing devices, may operate individually or in combination to determine and implement personalized vehicle insurance policies. Such policies may be driver-specific, time-specific, vehicle-specific, and/or driving-trip specific. Various driver data, vehicle data, and driving trip data may be received and analyzed in order to determine usage-based insurance parameters for vehicle driving and non-driving activities. Personalized vehicle insurance policies may be presented to and accepted by drivers, after which the drivers and one or more associated vehicles may be monitored to detect and store vehicle usage data in accordance with the personalized insurance policy.Type: GrantFiled: October 10, 2022Date of Patent: April 22, 2025Assignee: Allstate Insurance CompanyInventor: Robert Wasserman
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Patent number: 12271945Abstract: This invention relates generally to the personal finance and banking field, and more particularly to the field of lending and credit notification methods and systems. Preferred embodiments of the present invention provide systems and methods for automatically generating high quality adverse action notifications based on identifying variations between a declined borrower's profile and that of approved applicants, both with simple and sophisticated credit scoring systems, using specific algorithms.Type: GrantFiled: August 22, 2018Date of Patent: April 8, 2025Assignee: ZestFinance, Inc.Inventors: John W. L. Merrill, Shawn M. Budde, John Candido, Lingyun Gu, Farshad Kheiri, James P. McGuire, Douglas C. Merrill, Manoj Pinnamaneni, Marick Sinay
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Patent number: 12265968Abstract: Methods and systems are described herein for identifying matching parameters of groups of nodes in graphical representations. The system may generate, in a graphical user interface, a graphical representation of nodes representing users associated with an entity. The system may activate the graphical representation as links connecting pairs of nodes, with the links representing interactions between users. The system may identify a grouping of nodes having a level of local clustering indicative of undesired activity. The system may determine graphical parameters relating to the level of local clustering and may identify the same graphical parameters in other groupings of nodes in other graphical representations. The system may thus identify indications of undesired activity based on matching parameters of groups of nodes.Type: GrantFiled: May 17, 2024Date of Patent: April 1, 2025Assignee: Citigroup Technology, Inc.Inventors: Paola Gittino, William George Cormier, Steve Thomas Dayton, Miriam Silver
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Patent number: 12265952Abstract: Methods and systems for remote check deposit are disclosed. A check for deposit is processed without the need for a server to receive any image of the check initially. Instead, optical character recognition (OCR) data is received at the server from a mobile device. Verification processing for the check is then performed using the OCR data. If the verification process is successful, a confirmation notification is sent to the mobile device. Subsequently, after sending the confirmation notification, a check image is received, from which the OCR data was determined. The check is, in turn, processed for deposit using the received check image.Type: GrantFiled: November 22, 2024Date of Patent: April 1, 2025Assignee: U.S. Bank National AssociationInventors: Marlen L. Foster, Connie K. Yung, Vijay Narayanan, Raj M. Bharadwaj, Soumitri Naga Kolavennu, Jessica G. Winberg, Balasubramanian Narayanan, Hima Rama Subrahmanyam Vishnubhotla
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Patent number: 12266017Abstract: One or more devices in an accident detection and recovery computing system may be configured to determine that vehicle accidents have occurred, collect and analyze accident characteristics and other related data, and providing customized accident recovery services. Mobile computing devices, alone or in combination with vehicle-based systems and external devices, may detect accidents or receive accident indication data. After determining that an accident has occurred, mobile computing devices and/or vehicle-based systems may be configured to determine accident characteristics, retrieve vehicle data and vehicle occupant data from one or external servers, determine the damages or potential damages resulting from the accident, and determine one or more accident recovery options or recommendations based on the accident damages.Type: GrantFiled: February 5, 2020Date of Patent: April 1, 2025Assignee: Allstate Insurance CompanyInventor: Randall M. Hanson
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Patent number: 12260387Abstract: A system for automated account interaction receives historical information associated with an account corresponding to a user. The historical information identifies a transaction involving the account. The system uses one or more trained machine learning models to identify an intent for the transaction at least in part by inputting the historical information to the trained machine learning models. The system uses the trained machine learning models to generate a recommended transaction at least in part by inputting the intent for the transaction to the trained machine learning models. The system outputs the recommended transaction and receives a confirmation regarding the recommended transaction.Type: GrantFiled: November 2, 2022Date of Patent: March 25, 2025Assignee: LIVEPERSON, INC.Inventors: Angelo D'Alessandro, Brian Haley