Patents Examined by Daniel S Felten
  • Patent number: 12039507
    Abstract: Wait times at ATMs may undermine the utility of these self-service machines. ATMs are configured to provide faster self-service kiosks that allow users to quickly perform common financial transactions. However, it has bees increasing common for users to have to wait on a line to access an ATM. Apparatus and methods are provided for a smart card that stages transactions by capturing the amount, pin and other necessary information on the smart card itself, before the user begins interacting with the ATM. Information captured by the smart card may be transferred to ATM when the smart card is inserted into ATM. The user does not provide the ATM with any additional information after inserted the smart card into the ATM, thereby improving the transaction processing efficiency of the ATM and enhancing user satisfaction.
    Type: Grant
    Filed: May 21, 2020
    Date of Patent: July 16, 2024
    Assignee: Bank of America Corporation
    Inventor: Saurabh Gupta
  • Patent number: 12033151
    Abstract: One embodiment of the invention is directed to a method comprising, receiving an authentication request message for a transaction. The method further comprises determining that detailed device information is required to authenticate the transaction and generating a message including an identifier and a request for the detailed device information. The method further comprises retrieving the detailed device information from a remote server computer using the identifier and modifying the authentication request message to include the detailed device information. The method further comprises sending the modified authentication request message to an access control server computer. The method further comprises receiving an authentication response message from the access control server computer including a verification value for the transaction, where the verification value is generated based on a result of a risk analysis performed using the detailed device information.
    Type: Grant
    Filed: June 22, 2021
    Date of Patent: July 9, 2024
    Assignee: Visa International Service Association
    Inventors: Karl Newland, Douglas Fisher, Craig O'Connell
  • Patent number: 12026779
    Abstract: A computer-implemented system comprising one or more processors for executing logic code for receiving transaction data to process a first transaction from a plurality of transactions is provided. The transaction data may include at least one of a transaction descriptor or a transaction value associated with the first transaction. The transaction data is filtered by applying a filtering parameter to at least one of the transaction descriptor or the transaction value. Application of a round up process to the first transaction is prevented based on the filtering, in response to the determining that the first transaction is not conducive to the round up process, thereby preventing an error state in execution of logic code by at least one processor configured for applying the round up process to the first transaction.
    Type: Grant
    Filed: January 25, 2021
    Date of Patent: July 2, 2024
    Assignee: Acorns Grow Incorporated
    Inventors: Jeffrey Cruttenden, Walter Cruttenden
  • Patent number: 12020252
    Abstract: An accounting system according to the present invention include: an information display device including a first memory; and at least one first processor coupled to the first memory. The first processor performs first operations. The first operations includes: causing a first camera to image a person, and causes a display to display a code based on physical characteristics peculiar to the imaged person. An information processing device includes a second memory; and at least one second processor coupled to the second memory. The second processor performs second operations. The second operations includes: causing a second camera to image the code displayed by the information display device, acquiring accounting information of the person using the imaged code, and executing accounting processing using the accounting information.
    Type: Grant
    Filed: October 5, 2018
    Date of Patent: June 25, 2024
    Assignee: NEC CORPORATION
    Inventors: Takashi Shibata, Shoji Yachida, Chisato Funayama, Masato Tsukada, Yuka Ogino, Keiichi Chono, Emi Kitagawa, Yasuhiko Yoshida, Yusuke Mori, Toru Takahashi
  • Patent number: 12020235
    Abstract: A device may run an application having information with multiple accounts associated with processing of transactions. The application may provide account information that is used to process the transactions. At the same time, a background application may operate on the device. The background application may be compatible with a second device, and when within range of the second device, may communicate background messages relevant to the transaction. The transaction may then be processed based on the account information and the background messages.
    Type: Grant
    Filed: April 28, 2017
    Date of Patent: June 25, 2024
    Assignee: Block, Inc.
    Inventors: Afshin Rezayee, Malcolm Smith, Lev Kusman, Gokhan Aydeniz, Yasser Zabuair, Jesse Wilson, Shawn Zurbrigg, Murat Cat
  • Patent number: 12008546
    Abstract: A method for preventing misuse of electronic access permissions, managed in mobile electronic devices using a wallet application and transmitted by a server. A link is purchased from the server, during which a password or authentication data and a mobile electronic device, are specified via the link. When activating the link, an ID of the first mobile electronic device, which is associated with an ID of the purchased access permission, is transmitted to the server. The electronic access permission is only transferable from the first mobile electronic device to another mobile electronic device after the password is first entered with the server. Upon transfer, in the server the access permission ID is associated with the ID of the other mobile electronic device and the access permission stored on the first mobile electronic device is marked as invalid.
    Type: Grant
    Filed: June 28, 2023
    Date of Patent: June 11, 2024
    Assignee: SKIDATA GmbH
    Inventors: Anders Malmborg, Vaijayanthi Mala Jayaprakash
  • Patent number: 12002050
    Abstract: An apparatus adapted to authorise a transaction having a requested payment amount comprises receiving circuitry to receive a request to authorise the transaction, the request indicating the requested payment amount of the transaction, input circuitry to receive one or more user inputs required from the user to authorise the transaction and authorising circuitry to authorise the transaction when the one or more user inputs correspond to a user input payment amount that is the same as the requested payment amount of the transaction.
    Type: Grant
    Filed: July 5, 2019
    Date of Patent: June 4, 2024
    Assignee: Arm Limited
    Inventor: Yongkang Liu
  • Patent number: 12002016
    Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.
    Type: Grant
    Filed: January 13, 2022
    Date of Patent: June 4, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Michael Frank Morris, Reynaldo Medina, III, Greg Alan Harpel, Gabriel Glenn Gavia, Bharat Prasad, Frank Kyle Major, Jeffrey Neal Pollack
  • Patent number: 11948142
    Abstract: The disclosed system and method provides a display on the representation of the electronic transaction account and the display may display information about the electronic transaction account or other data desired to be displayed by the consumer.
    Type: Grant
    Filed: November 7, 2019
    Date of Patent: April 2, 2024
    Assignee: Visa International Service Association
    Inventor: Binit Pokhrel
  • Patent number: 11941637
    Abstract: Disclosed is a method of processing item sales information by an electronic apparatus including acquiring a purchase request including item information related to an item selected by a user and information related to a payment means, providing a purchase response including approval information corresponding to the purchase request before proceeding with payment through the payment means in response to the purchase request when the information related to the payment means satisfies a first condition, transmitting a release request for the item to a first server; and requesting payment for at least some of an amount corresponding to one or more purchase requests related to the payment means according to an arrival of settlement timing corresponding to the payment means.
    Type: Grant
    Filed: March 23, 2021
    Date of Patent: March 26, 2024
    Assignee: Coupang Corp.
    Inventors: Zee Young Min, Ki Hyun Jeong, Il Hyun Seo, Hyun Ju Cho, Jin Hwan Kim, Hyun Yong Jung, Min Yong Yuk, Ho Hyun Lim, Jin Hyuk Kim
  • Patent number: 11907933
    Abstract: A system, method, and computer-readable storage media for performing a transaction for a customer of a financial institution using math-based currency (MBC), the system comprising a permissioned ledger banking system comprising a transaction circuit comprising a transaction processor and a transaction memory, an account mapping circuit comprising an account mapping processor and an account mapping memory, and an MBC account database comprising an MBC account of the customer, a fiat banking system comprising an account management circuit and a customer fiat accounts database, and the permissioned ledger banking system and the fiat banking system are connected via a communications network, wherein the account management circuit comprises an account management processor and an account management memory storing executable account management instructions that when executed by the account management processor causes the account management processor to perform steps of storing a fiat account of the customer in the c
    Type: Grant
    Filed: January 30, 2023
    Date of Patent: February 20, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Naga Adapala, Kevin D. Bouey, Judd Holroyde, Aravind Krishnasamy, Bipin M. Sahni, Nishant Usapkar
  • Patent number: 11908013
    Abstract: Methods, apparatus, and systems for processing data transactions use a sequencer communicating with a plurality of data processors and provide improved performance and lower latency.
    Type: Grant
    Filed: March 1, 2022
    Date of Patent: February 20, 2024
    Assignee: Nasdaq Technology AB
    Inventor: Kandan Venkataraman
  • Patent number: 11880845
    Abstract: Systems, methods, and computer program products may store, in a distributed cache, a rule associated with a plurality of accounts in a Real-Time Payments (RTP) network, the rule being stored in association with account data associated with the plurality of accounts; receive an account level exclusion directive associated with the account; store, in the distributed cache, the account level exclusion directive in association with the account; receive transaction data associated with a transaction in the RTP network between the account and another account; retrieve, from the distributed cache, the rule, the account level exclusion directive, and the account data associated with the account; exclude, based on the account level exclusion directive, use of the rule for processing the transaction; and process, without applying the rule, the transaction in the RTP network.
    Type: Grant
    Filed: February 18, 2022
    Date of Patent: January 23, 2024
    Assignee: Visa International Service Association
    Inventors: Navendu Misra, Kavish Agarwal, Nipun Agarwal, Juharasha Shaik, Praveen Kumar Suresh Guggarigoudar, Ravi Rameshbhai Alagiya, Rajiv Ranjan, Durga S. Kala, Andrey Masharov, Xuepeng Li, Anuvind Pushpak, Marc Corbalan Vila, Stuart Mark Williams
  • Patent number: 11880886
    Abstract: Systems, methods apparatuses, and computer-readable media for analyzing vehicle accident claim information from a vehicle that is deemed a total loss, as well as historical data, to determine whether one or more parts from the vehicle are available for reuse is presented. In some examples, aspects may also relate to determining whether the parts available for reuse should be stored by the entity using the system (e.g., the insurance company) for future use in the repair of other vehicles, such as other vehicles insured by the insurance company, or should be sold. The determination to store or sell the part may be based, at least in part, on historical data of the entity.
    Type: Grant
    Filed: March 7, 2022
    Date of Patent: January 23, 2024
    Assignee: Allstate Insurance Company
    Inventors: Clint J. Marlow, Robert L. Trinco, John A. Riggio
  • Patent number: 11880821
    Abstract: A system includes a processing system and a memory system. The processing system includes one or more processors. The memory system includes one or more computer-readable media that contain instructions that, when executed by the processing system, cause the processing system to perform operations. The operations include detecting a loading of a webpage including a document object model (DOM). The operations also include analyzing the DOM to identify a first element in the DOM. The operations also include determining, based on the first element, that the webpage is configured to accept payments. The operations also include receiving, from a provider server, a virtual token which corresponds to a user account. The operations also include injecting information from the virtual token into one or more account number fields on the webpage.
    Type: Grant
    Filed: August 21, 2020
    Date of Patent: January 23, 2024
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Jonathan Bodner, Joshua Edwards, Eric Medin, Adam Vukich, James Zarakas
  • Patent number: 11868986
    Abstract: A method for securely presenting transaction card data of a transaction card includes receiving, by a server, a pairing request to pair the transaction card with a user device. Based on the pairing request, the transaction card is paired with the user device by way of a pairing identifier. The server receives, from the user device, a data presentation request to present the transaction card data on the user device. In response to the data presentation request, the server validates the pairing between the user device and the transaction card based on the pairing identifier. The server communicates, to the user device, the transaction card data based on the validation of the pairing between the user device and the transaction card. The communicated transaction card data is presented on a user interface rendered on the user device.
    Type: Grant
    Filed: May 26, 2021
    Date of Patent: January 9, 2024
    Assignee: Mastercard International Incorporated
    Inventors: Kumar Abhinav, Ankush Solke, Aniket Anil Parab, Manjunath More
  • Patent number: 11861708
    Abstract: The disclosed embodiments relate to the electronic communication of messages via a communications network reflective of substantially continuously updated data in an electronic transaction processing system. The disclosed embodiments conserver electronic communications resources, e.g. bandwidth, while preserving real time delivery of critical data via selective or conditional publication and transmission of messages.
    Type: Grant
    Filed: August 5, 2022
    Date of Patent: January 2, 2024
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Pearce Ian Peck-Walden, Zachary Bonig, Craig Richard LeVeille, Dileep Chakravarthi Konduru
  • Patent number: 11861716
    Abstract: Methods and systems for identifying and correcting abnormal electrical activity about a home or other structure are provided. An electricity monitoring device may monitor electrical activity including transmission of electricity via an electrical distribution board to devices about the home. Electrical activity may be correlated with respective electrical devices to build an electrical profile associated with the structure. In response to a claimed damage to the structure or to electric devices therein, some electrical activity may be compared to the electrical profile to determine whether the damage occurred voluntarily or involuntarily.
    Type: Grant
    Filed: June 16, 2017
    Date of Patent: January 2, 2024
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Erin Ann Olander, Christopher N. Kawakita, Jeff Riblet
  • Patent number: 11861589
    Abstract: A device may run an application having information with multiple accounts associated with processing of transactions. The application may provide account information that is used to process the transactions. At the same time, a background application may operate on the device. The background application may be compatible with a second device, and when within range of the second device, may communicate background messages relevant to the transaction. The transaction may then be processed based on the account information and the background messages.
    Type: Grant
    Filed: September 30, 2019
    Date of Patent: January 2, 2024
    Assignee: Block, Inc.
    Inventors: Afshin Rezayee, Malcolm Smith, Lev Kusman, Gokhan Aydeniz, Yasser Zabuair, Jesse Wilson, Shawn Zurbrigg, Murat Cat
  • Patent number: 11861593
    Abstract: A method of updating a payment card includes receiving a payment card having an existing payment part. The method includes removing the existing payment part from the payment card and installing a new payment part with the payment card for subsequent use of the payment card.
    Type: Grant
    Filed: January 11, 2018
    Date of Patent: January 2, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Marina M. Chin, Kristine Ing Kushner, Paul Vittimberga, John Wright