Patents Examined by Alexander Kalinowski
  • Patent number: 9881336
    Abstract: A foreign currency exchange system and method are provided that allows the user to exchange various foreign currency for a physical or electronic gift card, a donation to a charity, a stored foreign currency value card and/or a multi-currency debit cash card.
    Type: Grant
    Filed: March 24, 2011
    Date of Patent: January 30, 2018
    Assignee: LEFTOVERCASH, INC.
    Inventor: Ferdinand Poon
  • Patent number: 9846879
    Abstract: A method for validating payment information for an online transaction is provided. A payment server can receive two representations of the same payment information. The payment information can be validated if it is determined that the two representations match. If there is no match, or the payment information is otherwise invalid, the payment information can be repaired based on a trusted representation of the payment information, such as stored payment information or an image of an associated value token. Payment information can be received via one or more communication channels, and can be provided by one or more consumer devices. A merchant service provider can validate payment information and handle transaction processing on behalf of a merchant.
    Type: Grant
    Filed: July 2, 2014
    Date of Patent: December 19, 2017
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Bharathi Ramavarjula, Nimesh Parikh, Timothy Wright
  • Patent number: 9767442
    Abstract: Systems and methods for person-to-person and person-to-merchant remittances from a person having a closed loop system account to merchants who are not members of the closed loop system. In an embodiment, a payment gateway computer receives a remittance transaction request from a payment services provider (PSP) computer associated with a closed-loop system, maps an alias identifier into a shadow account number assigned to the sender in an open-loop payment authorization system, determines that the alias identifier mapped into a valid shadow account number, debits a stored value account for the remittance transaction amount, credits a shadow account in the open-loop payment authorization system for the remittance transaction amount, generates an authorization request for an open-loop payment transaction and transmits it to the open-loop payment authorization system, receives an authorization response from the open-loop payment authorization system, and transmits an approval response.
    Type: Grant
    Filed: November 7, 2014
    Date of Patent: September 19, 2017
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Patrick Killian, Sandeep Malhotra
  • Patent number: 9710852
    Abstract: A credit report user interface is provided that may comprise a credit event timeline to view events associated with various accounts associated with a consumer. Credit events may be determined by accessing and analyzing a consumer's credit report from one or more of the national credit bureaus. In some embodiments the consumer can see credit events associated with all of the consumer's accounts or only from a limited number of the consumer's accounts. The consumer may also be able to search credit events, sort credit events, view the impact of credit events on one or more of the consumer's credit scores, and view predicted future credit events.
    Type: Grant
    Filed: April 22, 2014
    Date of Patent: July 18, 2017
    Assignee: ConsumerInfo.com, Inc.
    Inventors: Gregory Thomas Olson, Vijay Prakash Sivaji, Nelson Yu, Ralph Keith Monteath
  • Patent number: 9652802
    Abstract: Methods and systems of monitoring and reporting of changes to a user's credit data are provided. One embodiment includes providing a service, hosted by a data server, that allows the user to access the service via a communication terminal. The service may also request enrollment data, including identity verification data, from the user. Further, the service may periodically access and monitor the user's credit data for a change in the user's credit data via a connection between the data server and a credit bureau even if the data server has not received sufficient identity verification data from the user. Additionally, the service may determine whether a change detected in the user's credit data is a significant event. When an event or a significant event in the user's credit data is detected, the service may alert the user of the fact that an event has occurred even if the data server has not received sufficient identity verification data from the user.
    Type: Grant
    Filed: March 23, 2011
    Date of Patent: May 16, 2017
    Assignee: CONSUMERINFO.COM, INC.
    Inventor: Sheldon Kasower
  • Patent number: 9607336
    Abstract: Methods and systems are provided for generating and delivering an alert to an individual regarding a credit inquiry. For example, an inquiry request may be received that includes a request for credit data associated with an individual. An alert may then be generated and provided to the individual based on retrieved contact information associated with the individual. In some embodiments, the alert is generated regardless of whether the inquiry causes a change to credit data associated with the individual.
    Type: Grant
    Filed: June 15, 2012
    Date of Patent: March 28, 2017
    Assignee: ConsumerInfo.com, Inc.
    Inventors: Michael John Dean, Mark Joseph Kapczynski
  • Patent number: 9600817
    Abstract: Embodiments disclosed herein relate to systems, methods, and computer program products for a system for providing a virtual value token. The system, method, and computer program product are configured to receive a request for a token associated with a virtual value; generate the token associated with the virtual value, wherein the virtual value is funded via a known currency; determine that a user is initiating a transaction using the token; determine a local currency for the transaction; convert, using a computing device processor, at least a portion of the virtual value into a converted amount in the local currency; and complete the transaction using the converted amount of the token. The virtual value may be based on a defined value, such as a known amount on a specific day, or a relative value, such as the current value of an underlying asset.
    Type: Grant
    Filed: March 4, 2014
    Date of Patent: March 21, 2017
    Assignee: Bank of America Corporation
    Inventors: Laura Corinne Bondesen, Jason P. Blackhurst, Scott Lee Harkey, William Blakely Belchee, Tammy L. Brunswig
  • Patent number: 9600844
    Abstract: Embodiments disclosed herein relate to systems, methods, and computer program products for a system for providing a multi-currency token. The system, method, and computer program product are configured to receive a request for a multi-currency token, wherein the multi-currency token is associated with at least two financial institution partners; determine a value of the multi-currency token; establish currency conversion parameters for the multi-currency token based on at least one of the value of the multi-currency token and a conversion rate between currencies associated with the at least two financial institution partners; determine that a transaction is being performed with the multi-currency token, the transaction associated with a local currency; and complete the transaction with the multi-currency token in the local currency when the local currency is a currency associated with at least one of the financial institution partners.
    Type: Grant
    Filed: March 4, 2014
    Date of Patent: March 21, 2017
    Assignee: Bank of America Corporation
    Inventors: Laura Corinne Bondesen, Jason P. Blackhurst, Scott Lee Harkey, William Blakely Belchee, Tammy L. Brunswig
  • Patent number: 8930278
    Abstract: A method and system for allowing the purchaser of an on-demand entertainment session of predetermined time duration to reaccess that portion of the session not used. On-demand passenger entertainment services in airline flights often offer services, such as movies, of a predetermined time duration which time is longer than the time of flight. The method and system disclosed allows purchasers to gain access on another flight to the unused portion of the services, such as, the unseen portion of a movie, terminated at the end of the initial flight.
    Type: Grant
    Filed: April 13, 2009
    Date of Patent: January 6, 2015
    Assignee: International Business Machines Corporation
    Inventors: Wayne M. Delia, Edward E. Kelley, Franco Motika
  • Patent number: 8930276
    Abstract: A method performs processing of biometric information to create multiple templates. This allows biometric systems to be flexible and interact with a plurality of vendors' technologies. Specifically, a biometric sample is captured from a sensor and transmitted to a processing component. The biometric sample is then processed by a first algorithm to yield a biometric template and the template is stored and associated with a record identifier. The biometric sample is also processed by a second algorithm to yield a second template. The second template is stored and associated with the record identifier.
    Type: Grant
    Filed: August 20, 2003
    Date of Patent: January 6, 2015
    Assignee: Fusionarc, Inc.
    Inventors: Michael Thieme, Samir Nanavati, Rajkumar Nanavati, Mcken Mak
  • Patent number: 8799166
    Abstract: Providing digital content is disclosed. An indication that one or more arbitrarily selected downloadable items of third party prerecorded digital content are to be given as a gift is received. A request to deliver the one or more arbitrarily selected downloadable items of third party prerecorded digital content to a recipient of the gift is processed.
    Type: Grant
    Filed: October 11, 2005
    Date of Patent: August 5, 2014
    Assignee: Apple Inc.
    Inventors: Thomas K. Burkholder, David L. Neumann, Debra Ameerally
  • Patent number: 8793147
    Abstract: The present disclosure describes novel systems and methods for a customer to receive information and/or purchase a product or service while interacting with multiple vendors through a single contact/agency. The customer is able to communicate with the agency through a variety of communication modes. The agency adapts the customer's input as necessary to meet the requirements of the vendors and the agency returns information to the customer so that the customer can conveniently interact with the multiple vendors. The systems and methods allow for the customer to stop and restart the process at various points using any of the communication modes. The agency has the ability to present the customer with prospecting, sales, service, upgrades, cross-sells, and other pre- and post-purchase services at the single point-of-contact agency.
    Type: Grant
    Filed: May 10, 2012
    Date of Patent: July 29, 2014
    Assignee: Branch Banking and Trust
    Inventors: Brandon H. Bradshaw, Kenneth Gray Nester, II, Gregory Velett
  • Patent number: 8788422
    Abstract: There are methods and apparatus, including computer program products, for service improvement techniques for a transportation service provider using mobile devices. In one aspect there is received user-entered data for at least one field present in a provided electronic form. The form includes a link that, when activated, establishes a voice channel between the passenger and a customer representative and provides a unique identifier associated with the user-entered data that enables a customer representative to retrieve the user-entered data. In another aspect, there is a graphical representation that is transmitted to a customer or a driver to facilitate execution of a reservation of a transportation service to be provided to the customer by the driver. In another aspect, there is a location range received from a wireless handheld device associated with a driver and data received from the driver indicative of a more accurate location within the location range.
    Type: Grant
    Filed: March 26, 2004
    Date of Patent: July 22, 2014
    Assignee: FMR LLC
    Inventors: Boris Kalinichenko, Joseph Ferra
  • Patent number: 8788318
    Abstract: Various embodiments of the present invention relate to methods and systems for consolidating, distributing and integrating issuer information for a voting entity.
    Type: Grant
    Filed: June 15, 2005
    Date of Patent: July 22, 2014
    Assignee: Broadbridge Investor Communication Solutions, Inc.
    Inventor: Robert Niebanck
  • Patent number: 8788427
    Abstract: The limiting of data exposure in authenticated multi-system transactions is disclosed. A client system authenticates and requests secured data and unsecured data with an initial system. The initial system transmits to an external system a token request that corresponds to the request for the secured data. A token is generated and passed to the initial system, which relays the same to the client system. The client system uses the token to access the secured data on the external system, while also retrieving the unsecured data on the initial system. The initial system thus does not have access to the secured data, while the request therefor is known.
    Type: Grant
    Filed: May 18, 2012
    Date of Patent: July 22, 2014
    Assignee: Active Network, LLC
    Inventor: Doug Johnson
  • Patent number: 8788430
    Abstract: An information processor transmits and receives electronic information via a network, and includes an electronic information encrypting unit which encrypts the electronic information. A storage unit stores the electronic information and the encrypted electronic information data encrypted by the electronic information encrypting unit. An electronic credit generating unit generates a letter of credit to erase the electronic information from the storage unit and to transmit the encrypted electronic information data to the other information processor. An electronic information communicating unit transmits and receives the encrypted electronic information data and the electronic letter of credit to and from the other information processor.
    Type: Grant
    Filed: October 19, 2005
    Date of Patent: July 22, 2014
    Assignee: Fujitsu Limited
    Inventor: Kenji Ishii
  • Patent number: 8781930
    Abstract: Methods and apparatus, including computer program products, for risk assessment and analysis. Asset data representing a set of assets is received. Threat data representing a set of threats is received. Measures data representing a set of measures is received. A loss expectancy based upon the value of the assets, the potential reduction of value caused by the threats, and the protection of the value caused by the measures is automatically calculated. Project data representing a simulated project is received. A revised loss expectancy is automatically calculated based upon the value of the assets, the potential reduction of value caused by the threats, and the protection of the value caused by the measures as modified by the simulated project. A savings caused by the simulated project is automatically calculated based upon the loss expectancy and revised loss expectancy.
    Type: Grant
    Filed: October 7, 2005
    Date of Patent: July 15, 2014
    Assignee: SAP AG
    Inventors: Sachar M. Paulus, Guido Wagner, Gunter Bitz
  • Patent number: 8762237
    Abstract: Providing an account-based product. A communications portal is provided and consumer data is received via the portal. At least one derived characteristic, e.g., qualification, is determined contemporaneously from the consumer data. A product set is presented, via the portal, including at least one product determined at least in part by the derived characteristic. A selection from the product set is received via the portal, and at least one product feature, e.g., balance transfer, of at least one selected product is activated contemporaneous with the product selection.
    Type: Grant
    Filed: June 19, 2003
    Date of Patent: June 24, 2014
    Assignee: Citicorp Credit Services, Inc.
    Inventors: Belen Monasterio, Shari Gooen Diamond, Julie Furr, Mark Temares
  • Patent number: 8732061
    Abstract: Systems and methods for creating and trading dynamic securities are provided. Dynamic securities according to the invention may preferably include any security or non-securitized investment. To form the dynamic security, a user may select a plurality of securities including stocks, bonds, baseball cards and modern art paintings to create a dynamic security. The selection may be limited to a pre-determined list of securities.
    Type: Grant
    Filed: December 27, 2001
    Date of Patent: May 20, 2014
    Assignee: BGC Partners, Inc.
    Inventor: Mary Ann Gilbert
  • Patent number: 8725651
    Abstract: A system and method for providing private demand-driven pricing for fixed cost digital goods are described. An encrypted price of identically-priced digital goods is additively perturbed. The digital goods are stored in a database by a seller system and an approximate revenue maximizing price for the digital goods has not been realized. A purchasing decision about one of the digital goods based upon the additively-perturbed price is sent to the seller system without revealing the particular digital good. A conditionally disclosed symmetric key is received in return under which the digital goods in the database have been encrypted. The purchaser system and seller system engage in symmetric private information retrieval on the database. The purchaser system decrypts the digital good purchased with the symmetric key. The seller system privately updates the encrypted price of the digital goods to close on the approximate revenue maximizing price whenever a purchase is made.
    Type: Grant
    Filed: November 1, 2006
    Date of Patent: May 13, 2014
    Assignee: Palo Alto Research Center Incorporated
    Inventors: Jessica Nicola Staddon, Lea Kissner