Patents Examined by Clifford Madamba
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Patent number: 10026071Abstract: There is provided a communication device including an acceptation unit configured to accept a service execution request for requesting execution of a service, a control unit configured to specify a service providing device to which a request for execution of a service provided by the service providing device is made based on a device record that includes the service and provision destination group information that indicates a provision destination group of the service, and the service execution request accepted by the acceptation unit, a transmission unit configured to transmit the service execution request to the service providing device specified by the control unit.Type: GrantFiled: August 7, 2013Date of Patent: July 17, 2018Assignee: SONY CORPORATIONInventors: Kazuyuki Sakoda, Yoichiro Sako, Kohei Asada, Katsuhisa Aratani, Kazuhiro Watanabe, Takatoshi Nakamura, Mitsuru Takehara, Yuki Koga, Hiroyuki Hanaya, Tomoya Onuma, Akira Tange, Kenta Kawamoto, Taizo Shirai, Masayuki Takada
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Patent number: 10019755Abstract: A method for tracking financial transactions, including: obtaining a group of financial transactions; identifying a first financial transaction of the group of financial transactions involving a payment from a financial account held by a financial institution; allocating an amount of the first financial transaction corresponding to the payment to a budget category, wherein the first financial transaction includes a name of a merchant; accessing a website of the merchant; matching, on the website of the merchant, a list of purchased items to the first financial transaction based on the amount; extracting, after matching, the list of purchased items from the website of the merchant; identifying, after extracting the list of purchased items, a new budget category based on a purchased item of the list of purchased items; and reallocating at least a portion of the amount corresponding to the purchased item to the new budget category.Type: GrantFiled: October 29, 2010Date of Patent: July 10, 2018Assignee: Intuit Inc.Inventors: Kenneth William Hanscom, Michael Patrick Owen, Nagananda Addagadde, Neeraj Subhash Joshi, Anthony Mario Pasciucco, Jr., Raghunath Narasimha Battula, Jaime Brooke Goodman
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Patent number: 10013683Abstract: The disclosed embodiments include systems and methods for executing a point of sale deposit. In one embodiment, a system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive deposit information related to a point of sale deposit from a mobile device, and generate a deposit token retaining at least the deposit information and deposit authorization information. The one or more processors may also be configured to transmit the deposit token to the mobile device for displaying a readable code generated based on the deposit token, receive a point of sale deposit authorization notification from the merchant device indicating at least receipt by the merchant device of the deposit token from the mobile device, and transfer funds to a financial service account based on the received deposit information and authorization notification.Type: GrantFiled: October 30, 2017Date of Patent: July 3, 2018Assignee: Capital One Services, LLCInventor: Dennis S. Brennan
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Patent number: 10015324Abstract: A system and a method for performing purchase transactions over a network are provided. The system includes a server controlled by a service provider, including a link to a network; a processor circuit, the processor circuit configured to receive purchase requests from a mobile phone, and to transfer funds from a user account to a vendor account; and a memory circuit storing a plurality of mobile phone numbers and a plurality of personal identification numbers (PINs), wherein each mobile phone number and PIN is associated with a user account. A non-transitory machine-readable medium may include a plurality of machine-readable instructions which when executed by one or more processors of a server controlled by a service provider are adapted to cause the server to perform a method as above.Type: GrantFiled: March 13, 2014Date of Patent: July 3, 2018Assignee: PayPal, Inc.Inventor: Subha Gopalakrishnan
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Patent number: 9996832Abstract: Method and device for processing a payment are disclosed. The method is performed at a user device and includes: receiving a user instruction for starting a payment through a pre-set payment platform; selecting a respective loading process from a plurality of loading processes for invoking a payment application, wherein: the plurality of loading processes include two or more of: (1) a first loading process for invoking the payment application immediately in a foreground process, (2) a second loading process for simulating at least one payment interface of the payment application in the purchase application before loading the payment application in the user device, and (3) a third loading process for completing the payment using simulated payment interfaces of the payment application without loading the payment application in the user device.Type: GrantFiled: July 15, 2016Date of Patent: June 12, 2018Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITEDInventors: Wei Mao, Yuewei Chen, Xing Liang, Bin Zhang, Qiang Lu, Deyuan Li, Zhonghua Lai, Zhenyu Xu
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Patent number: 9984362Abstract: The present disclosure facilitates gesture-based interaction with a computer-system. The method may comprise pairing a transaction account with a likeness, receiving the likeness and a transaction request based upon the location of a marker in three dimensional space, retrieving the transaction account paired with the likeness, and approving the transaction request at least partially based upon the transaction account and the likeness.Type: GrantFiled: September 14, 2012Date of Patent: May 29, 2018Assignee: Liberty Peak Ventures, LLCInventors: Dilip Aidasani, Kimberly Alderfer, Kate T. King, Lisa Knight, Stuart Rolinson
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Patent number: 9959145Abstract: Users are allowed to communicate with a server via a local client even when the server experiences an abnormal peak of traffic. The local client is configured to send a new connection request only after a specified time interval passes from a previous connection. The local client presents content, such as a game, that makes it appear to the user as if the user is interacting with the server while the local client is waiting for reconnection to the server. The user interactions during the time interval are locally stored and later provided to the server for further process.Type: GrantFiled: July 29, 2008Date of Patent: May 1, 2018Assignee: Amazon Technologies, Inc.Inventors: Alexander Gershon, Allen Brady Montz, Owen D. Hay, Wade Kiyoshi Wakashige, Karen Hwei M. Quek, Charles S. Rogers, III, Frederick J. Werbel, Diwakar Gupta
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Patent number: 9940618Abstract: A method of and apparatus for transmitting data of a terminal which includes a wallet application used for a commercial transaction service is provided. The method includes determining wallet data which comprise payment information and non-payment information provided by the wallet application, which is able to be transmitted, and a scheme of transmitting the wallet data; notifying a receiving terminal of a transmission of the wallet data according to input transmission information; transmitting the wallet data to the receiving terminal based on the transmission method, after receiving an acceptance message from the receiving terminal; and updating information of the wallet data, which is transmitted to the receiving terminal, based on preset regulation information. The apparatus includes a wallet transmission and reception unit and a wallet management unit.Type: GrantFiled: June 26, 2014Date of Patent: April 10, 2018Assignee: Samsung Electronics Co., Ltd.Inventor: Bogyeong Kang
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Patent number: 9940609Abstract: The disclosed embodiments include systems and methods for executing a point of sale deposit. In one embodiment, a system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive transaction information related to a point of sale deposit from a client device, and generate a pending deposit transaction based on the transaction information. The one or more processors may be further configured to execute the software instructions to receive a first transaction token from the client device, receive a second transaction token from a third-party device, match the first transaction token to the second transaction token, and complete the pending deposit transaction based on the match.Type: GrantFiled: October 30, 2017Date of Patent: April 10, 2018Assignee: Capital One Services, LLCInventors: Dennis S. Brennan, Steven Potter, Jonathan Witter
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Patent number: 9940667Abstract: Systems and methods are provided for processing mass quote messages and generating market data. A mass quote message is received and individual orders are parsed and processed. Individual market data messages are stored in a market data message buffer. After all orders are processed, the contents of the market data message buffer is distributed as a single market data message.Type: GrantFiled: December 15, 2010Date of Patent: April 10, 2018Assignee: Chicago Mercantile Exchange Inc.Inventors: Nimesh V. Patel, Joe Lobraco
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Patent number: 9852415Abstract: Mobile apparatus with transaction information is disclosed. The mobile apparatus receives, from an electronic service, with the wireless transceiver, a plurality of packets relating to transactions of an account linked with a payment card, transforms the received plurality of packets into transaction information, and displays, with the user interface, the transaction information such that transactions in relation to each other are represented by geometric objects.Type: GrantFiled: March 14, 2014Date of Patent: December 26, 2017Assignee: OP-PALVELUT OYInventors: Kristian Luoma, Jussi Juntunen, Tuomas Jomppanen
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Patent number: 9852463Abstract: Systems and methods for facilitating financial transactions over a network include a merchant device, a client device and a payment processing device. The merchant device is adapted to allow a merchant to provide items for purchase via the network. The client device is adapted to allow a user to access the merchant device via the network and view the items for purchase. The client device is adapted to provide a payment mechanism to the user. The user generates a purchase request for an item by selecting the one item, dragging the item to the payment mechanism, and dropping the item over the payment mechanism. The payment processing device is adapted to receive the purchase request from the client device via the network and authorize the user to purchase the item from the merchant based on information passed with the purchase request.Type: GrantFiled: July 7, 2014Date of Patent: December 26, 2017Assignee: PayPal, Inc.Inventors: Matthew Mengerink, Upendra Mardikar, David Gausebeck
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Patent number: 9836727Abstract: The disclosed embodiments include systems and methods for executing a point of sale deposit. In one embodiment, a system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive transaction information related to a point of sale deposit from a client device, and generate a pending deposit transaction based on the transaction information. The one or more processors may be further configured to execute the software instructions to receive a first transaction token from the client device, receive a second transaction token from a third-party device, match the first transaction token to the second transaction token, and complete the pending deposit transaction based on the match.Type: GrantFiled: August 29, 2014Date of Patent: December 5, 2017Assignee: Capital One Financial CorporationInventors: Dennis S. Brennan, Steven Potter, Jonathan Witter
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Patent number: 9836728Abstract: The disclosed embodiments include systems and methods for executing a point of sale deposit. In one embodiment, a system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive deposit information related to a point of sale deposit from a mobile device, and generate a deposit token retaining at least the deposit information and deposit authorization information. The one or more processors may also be configured to transmit the deposit token to the mobile device for displaying a readable code generated based on the deposit token, receive a point of sale deposit authorization notification from the merchant device indicating at least receipt by the merchant device of the deposit token from the mobile device, and transfer funds to a financial service account based on the received deposit information and authorization notification.Type: GrantFiled: August 29, 2014Date of Patent: December 5, 2017Assignee: Capital One Financial CorporationInventor: Dennis S. Brennan
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Patent number: 9792035Abstract: A system and method is disclosed for a contactless payment enabled smartphone in which a user can toggle between multiple payment methods, i.e. multiple different credit/debit card accounts, by predefined user actions, alone or in combination with the act of changing the physical orientation of the smartphone, and complete a payment transaction using the selected payment method via a contactless, wireless transmission.Type: GrantFiled: October 9, 2012Date of Patent: October 17, 2017Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Joshua Monroe
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Patent number: 9767527Abstract: A tradeable commodity or instrument, a trading system for a plurality of such commodities, a method of trading using such a system and security systems related thereto. The tradeable instrument comprises a secure container constituted by a transparent cover (12), a stone holder pad (14), a set of diamonds (15), a diamond or stone holder (16), a data card (18), a bottom cover (20) and a tamper evident band (22) interconnected into a secure, tamper-evident envelope. The data card (18) incorporates physical and digital security features. In addition, at least one externally readable programmable logic device is incorporated in the tradeable instrument card. The tamper evident band (22) is shrunk onto the tradeable instrument card and includes physical security features in the form of holographic foils incorporated in the band.Type: GrantFiled: November 23, 2012Date of Patent: September 19, 2017Inventor: Isaac Neuman
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Patent number: 8998777Abstract: An offset weight bar is provided which operates with the lifter's neuro-fascial connections to increase muscle activation and recruitment of muscle groups. The offset weight bar includes a grip portion that is shaped in accordance with the neuro-fascial connections in the lifter's hands and arms. The offset weight bar also offsets the weight of the bar from the lifter's palm to a point out along the lifter's unfolded fingers. The shape of the offset weight bar operates with the offset of the weight from the palm to increase the lifter's muscle activation and muscle group recruitment in accordance with the lifter's neuro-fascial physiology.Type: GrantFiled: December 20, 2011Date of Patent: April 7, 2015Inventor: Chris Roney
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Patent number: 9002739Abstract: Advanced internet-connected devices, such as smart TVs, can be used for conducting online transactions. Online transactions often lack an effective mechanism to prevent repudiation of the transaction. Signature data, representative of a consumer's signature motion, may be captured by a signature capture device. The signature capture device can be the smart TV or a device associated with the smart TV (e.g., a remote controller). The signature device can also be a security token. The signature data may be processed, stored, and/or transmitted for later use. The representation of the consumer's signature provides a non-repudiation mechanism similar in function to that of a consumer's actual handwritten signature on a credit card or debit card receipt.Type: GrantFiled: December 7, 2012Date of Patent: April 7, 2015Assignee: Visa International Service AssociationInventors: Scott H. Shin, Gavin Shenker, Douglas Stephen Deibert
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Patent number: 8805740Abstract: Providing for a mobile communication device (MCD) credit account and credit transactions by way of such an MCD is described herein. As an example, a credit account sponsored by a financial or commercial entity can be associated with a unique ID of an MCD. The MCD can interface with another electronic device and initiate credit transactions, such as commercial purchases, credit transfers, currency conversions, and the like, via the interface. Further, rules provided by the sponsoring entity can guide such transactions, enforcing credit limits, for instance. A management component can then synchronize transactions conducted by the device with a server of a financial institution over a remote communication interface, such as the Internet or a cellular/mobile communication network. Accordingly, a mobile device can replace a traditional credit card in transacting credit business.Type: GrantFiled: March 27, 2013Date of Patent: August 12, 2014Assignee: Wells Fargo Bank, N.A.Inventors: Martin Davis, Michael Thomas Duke
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Patent number: 8799143Abstract: The disclosed embodiments provide trading circles. An example method includes defining a group having a plurality of members, wherein one or more of the plurality of members interacts with an exchange that facilitates market transactions; detecting a first interaction of a first group member with the exchange; and communicating, in response to detecting the first interaction, data related to the first interaction to a second group member before the first group member receives confirmation of the first interaction from the exchange.Type: GrantFiled: March 15, 2013Date of Patent: August 5, 2014Assignee: Trading Technologies International, IncInventors: Richard Lane, Thomas Jeffrey Weiss, Thurston Woo, Jason Shaffer, Brian J. Buck, Michael Unetich, Sagy Pundak Mintz