Patents Examined by Asfand M. Sheikh
-
Patent number: 11972393Abstract: A computer-implemented method comprises receiving, from a computing device associated with a merchant, product information about a product; classifying, based on the product information, the product into a handling class associated with handling of the product; and storing an indication of classification in association with the product information about the product.Type: GrantFiled: May 28, 2021Date of Patent: April 30, 2024Assignee: Shopify Inc.Inventors: Asher Wright, Romain Guigourès
-
Patent number: 11961079Abstract: An age verification method performed at a mobile device comprises: receiving, from a point-of-sale terminal, a request for a payment credential, the request comprising a data element indicative of age requirement data; verifying, using at least one sensor, an identity of a user of the mobile device; responsive to said verifying, initiating, by a digital wallet application executing on the mobile device, an age verification request to a digital identity application, the age verification request comprising the age requirement data; generating a response message that comprises a response from the digital identity application to the age verification request; and transmitting, to the point-of-sale terminal, the response message and the payment credential for initiation of a transaction authorization request.Type: GrantFiled: June 30, 2021Date of Patent: April 16, 2024Assignee: MASTERCARD ASIA/PACIFIC PTE. LTD.Inventors: Rajat Maheshwari, Frederic Fortin, Prashant Sharma
-
Patent number: 11928662Abstract: Embodiments herein describe providing feedback to a shopper at a POS system using a computer vision system. Many items at a store may lack barcodes or other identifying marks such as produce. The shopper may have to perform an action to identify the item to the POS system. The computer vision system can double check the identify provided by the shopper to reduce mistakes and deter nefarious actors. If the computer vision system cannot independently confirm that the item being purchased matched the identity provided by the shopper, the POS system can display a graphical user interface (GUI) that includes an image of the item captured by the computer vision system along with identification data of the item identified by the shopper. This gives the shopper a chance to correct any mistakes.Type: GrantFiled: September 30, 2021Date of Patent: March 12, 2024Assignee: Toshiba Global Commerce Solutions Holdings CorporationInventors: J. Wacho Slaughter, Philip S. Brown, Michelle M. Crompton
-
Patent number: 11922385Abstract: An example operation may include determining a fractional responsibility of an event, a sub-event and/or an occupant associated with a transport.Type: GrantFiled: July 26, 2022Date of Patent: March 5, 2024Assignee: TOYOTA MOTOR NORTH AMERICA, INC.Inventors: Manish Kumar, James H. Kikuma
-
Patent number: 11922492Abstract: Systems and methods for programmatic access of external financial service systems. An application proxy instance is created that simulates an application of an external financial service system. A normalized account request is received for financial data of the external financial service system for a specified account. The normalized account request is provided by an external financial application system by using a financial data API of the financial platform system. Responsive to the normalized account request, communication is negotiated with the external financial service system by using the application proxy instance to access the requested financial data from the external financial service system by using a proprietary Application Programming Interface (API) of the external financial service system. The financial data is provided to the external financial application system as a response to the normalized account request.Type: GrantFiled: September 5, 2023Date of Patent: March 5, 2024Assignee: Plaid Inc.Inventors: William Hockey, Charles Li, Zach Perret
-
Patent number: 11922387Abstract: A system including one or more processors, a merchant account database including a plurality of merchant identifiers being associated with a plurality of merchants, a transaction database, and one or more non-transitory computer-readable media storing computing instructions that, when executed by the one or more processors, cause the one or more processors to perform certain acts.Type: GrantFiled: May 6, 2022Date of Patent: March 5, 2024Assignee: EARLY WARNING SERVICES, LLCInventors: Paul Finch, Lou Anne Alexander
-
Patent number: 11915255Abstract: Systems and methods receive contextual data related to spending as well as spending data. Correlations are determined to explain variables that influence spending amounts or rates. Systems and methods can collect user spending context data associated with a user, generate spending correlations between variables of the user spending context data, determine a next event based on at least one of the location data and the relationship data, and generate a next event value for the next event having at least a subset of the variables.Type: GrantFiled: March 16, 2020Date of Patent: February 27, 2024Assignee: United Services Automobile Association (USAA)Inventors: Richard Daniel Graham, Ruthie Lyle, Matthew C. Reedy, Jeanie Graciela Lopez, Paula Ann Whittington
-
Patent number: 11887197Abstract: Systems, apparatuses, and methods for the recognition and allocation of revenue generated by a subscription based pricing model or plan that is applied to a product or service. Embodiments respond to customer needs for a flexible and powerful revenue allocation engine to permit correct revenue distribution within a subscription economy and effectively trace changes to a revenue schedule and the resulting revenue recognition. Embodiments can efficiently react to changes to a subscription agreement and calculate a new distribution for a revenue schedule and its impact on revenue recognition and future revenue projections. In one embodiment, the systems and methods includes a revenue recognition/allocation engine that operates to evaluate the impact of “charge events” on revenue generation, taking into account relevant business rules and revenue recognition principles.Type: GrantFiled: March 7, 2023Date of Patent: January 30, 2024Assignee: Zuora, Inc.Inventors: Lei Jin, John Banks, Kang Ao, Muyun Zhu
-
Patent number: 11887046Abstract: A system may use sensor data from a facility to generate tentative values associated with an event, such as the identification of an item removed from a shelf of the facility. A confidence value associated with each of the tentative values may be less than a confidence threshold. In response, inquiry data seeking confirmation of a tentative value from an associate is generated and sent to one or more associates in the facility. Responses from the associates are collected to determine a selection of one of the tentative values. The selected tentative value is designated as output data for the system. Thereafter, the output data and the original sensor data are designated as training data, which can then be used to train or update machine learning systems. Subsequent use of the updated machine learning systems can yield more accurate results.Type: GrantFiled: July 31, 2020Date of Patent: January 30, 2024Assignee: AMAZON TECHNOLOGIES, INC.Inventors: Christopher Andrew Stephens, Alexander Clark Prater, Alexander Michael McNamara, Sridhar Boyapati, David Echevarria Ignacio, David William Bettis, Korwin Jon Smith, Kevin Alexander Lee, Aaron Craig Thompson, Gary Paolo Raden, Sudarshan Narasimha Raghavan, Dilip Kumar, Félix Joseph Étienne Pageau
-
Patent number: 11868991Abstract: A system for transacting in an environment with intermittent connectivity via a network backbone to a blockchain. A merchant device transmits a set of credentials for an ad hoc network to a buyer device and establishes a private peer-to-peer ad hoc network connection with the buyer device. It then conducts a transaction with the buyer device via the private peer-to-peer ad hoc network. If no network connection is available to a transaction blockchain, the merchant device stores a record of the transaction until such network becomes available and later sends the record of the transaction to the transaction blockchain.Type: GrantFiled: July 18, 2022Date of Patent: January 9, 2024Assignee: Liquineq AGInventors: Dan Kikinis, Haim Dror
-
Patent number: 11861592Abstract: A method, apparatus, and computer readable storage to implement an issuance of a virtual credit card. The virtual credit card can be issued instantaneously and can thereafter be associated with a physical credit card. The virtual credit card and the physical credit card can be serviced by the same account at the same bank.Type: GrantFiled: January 8, 2016Date of Patent: January 2, 2024Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Rob Frohwein, Kathryn Petralia
-
Patent number: 11853965Abstract: A solution for automated food selection includes: an order processing component operable to receive an order identifying an item; a selection component comprising: a first hyperspectral sensor operable to sense a reflection from the item and produce a sensor output based at least on the reflection; and a picking mechanism; a control component operable to: based at least on identification of the item, select a hyperspectral profile from a set of hyperspectral profiles; compare the sensor output with the selected hyperspectral profile; and based at least on the comparison, determine whether to select the item for fulfillment of the order, wherein the picking mechanism is operable to divert the item to a selection output based at least on a determination to select the item for fulfillment of the order; and a transport component operable to transport the item to an order storage zone.Type: GrantFiled: December 12, 2022Date of Patent: December 26, 2023Assignee: Walmart Apollo, LLCInventors: James Benjamin Edwards, Brian C. Roth
-
Patent number: 11847644Abstract: A group payment system is provided which permits users to form groups and, as a group, to contribute resources to group funds to make group payments, purchases, and transfer of funds to other groups, individual users, or merchants. Group transactions are conducted via a group transaction application downloaded onto user devices. The group transaction application enables the formation of user groups and facilitates payment in group transaction settings.Type: GrantFiled: May 12, 2021Date of Patent: December 19, 2023Assignee: VERRO, LLCInventor: Jeffrey Neto
-
Patent number: 11842382Abstract: The present disclosure provides systems and methods for generating a digital menu for an establishment. In accordance with some embodiments, a system for generating a digital menu for an establishment is configured to: retrieve menu data from a point of sale (PoS) system at the establishment; retrieve supplemental information for the retrieved menu data; generate the digital menu based on the retrieved menu data and the supplemental information; and transmit the digital menu to an electronic device for display to a user.Type: GrantFiled: August 17, 2021Date of Patent: December 12, 2023Assignee: APP8 INCORPORATEDInventors: Hani Jabbour, Elias Hage, Ahmed Hammad, Ryan Stephen Smith, Farshad Muhammad
-
Patent number: 11842328Abstract: A token management computing system for provisioning a payment token to a token storage device for a payment transaction is provided. The token management computing system includes a user computing device in communication with the token storage device and a token management server that includes at least one processor communicatively coupled to a memory device. The at least one processor is programmed to (i) receive, from the user computing device, a token request for a payment token, the request including a payment account number (PAN) selected from a digital wallet stored on the user computing device, and at least one token control, (ii) store token information including the PAN and the at least one token control, (iii) generate a single-use payment token, (iv) transmit the token to the user computing device, and (v) instruct the user computing device to transfer the token to the token storage device.Type: GrantFiled: October 24, 2019Date of Patent: December 12, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Shawn Mehrhoff, Christopher T. Scholl
-
Patent number: 11810065Abstract: Disclosed are methods, systems, and non-transitory computer-readable medium for dynamically managing data associated with transactions of wearable items. For example, a method may include receiving wearable item data from one or more electronic tenant interfaces, hosting an electronic warehouse operations portal and/or an electronic administrative portal, receiving one or more electronic user transactions initiated at one or more user platforms, updating one or more transaction databases and one or more analytics databases, based on the one or more electronic user transactions, receiving one or more wearable item operations requests, initiating one or more microservices to fulfill the one or more wearable item operations requests, and updating at least one of the one or more transaction databases and one or more analytics databases based on completion of the one or more wearable item operations requests.Type: GrantFiled: March 10, 2022Date of Patent: November 7, 2023Assignee: CAASTLE, INC.Inventors: Jaswinder Pal Singh, Amy Kang, Christine M. Hunsicker, Georgiy Goldenberg, Dongming Jiang, Chirag Jain, Prashant Rao, Prashant Tr Rao
-
Patent number: 11803838Abstract: Application management services for simulated contactless cards support applying payment when a provisioned card (cardholder profile) is stored in volatile memory of a computing device by maintaining a first channel open between a payment application and a provisioning service while communicating payment information to a point of sale terminal over a second channel.Type: GrantFiled: September 18, 2020Date of Patent: October 31, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Florent Hay, Patrick Mestre
-
Patent number: 11798072Abstract: Systems and methods for programmatic access of external financial service systems. An application proxy instance is created that simulates an application of an external financial service system. A normalized account request is received for financial data of the external financial service system for a specified account. The normalized account request is provided by an external financial application system by using a financial data API of the financial platform system. Responsive to the normalized account request, communication is negotiated with the external financial service system by using the application proxy instance to access the requested financial data from the external financial service system by using a proprietary Application Programming Interface (API) of the external financial service system. The financial data is provided to the external financial application system as a response to the normalized account request.Type: GrantFiled: May 7, 2021Date of Patent: October 24, 2023Assignee: Plaid Inc.Inventors: William Hockey, Charles Li, Zach Perret
-
Patent number: 11783412Abstract: Pre-staged deposit details for a deposit are received from a deposit interface and the details are linked to a code associated with a deposit bag. The code is subsequently scanned at a terminal, the pre-staged details are obtained based on the code, a lock box of the terminal is unlocked for the bag to be dropped into the lock box, a deposit transaction is processed based on the pre-staged details, and the box is locked. A real-time notification is provided within a staff interface that identifies the terminal and the transaction. The code is scanned when that bag is removed from the lock box and the pre-staged details are populated within the staff interface. Staff details are recorded for the transaction during a verification procedure. The staff details are posted to a financial institution backend system and any discrepancies between the pre-staged details and the staff deposit details are noted.Type: GrantFiled: August 27, 2021Date of Patent: October 10, 2023Assignee: NCR CorporationInventors: Lucas Henrique Silva, Tim Gerlach, Tomasz Kruczek, Garrett Paul Schubiner, Bruce McBain, Tamela A. Wenzel
-
Patent number: 11769160Abstract: A consumer item procurement support system capable of performing a more appropriate commodity proposal and the like is provided. The consumer item procurement support system includes an information processing server that communicates with a terminal of a customer, and manages a taken image of a commodity (consumer item) captured by the terminal of the customer, wherein the information processing server: executes a recognition process of the commodity (consumer item), based on the taken image of the commodity (consumer item) captured by the terminal of the customer; displays, on the terminal of the customer, one or more commodity candidates extracted as a result of execution of the recognition process; and determines an unpurchased commodity, by allowing the customer to select an actually purchased commodity from among the commodity candidates.Type: GrantFiled: March 28, 2019Date of Patent: September 26, 2023Inventor: Kazunori Fujisawa