Patents Examined by Fahd A Obeid
  • Patent number: 10909635
    Abstract: The present disclosure is directed towards systems and methods for generating a financial summary, which comprises identifying a first set of data items derived from one or more financial documents associated with an entity and a second set of data items derived from historical data associated with the entity. The systems and methods of the present disclosure then compare one or more data items of each set of data and select selecting a pre-defined reporting pattern based on the comparison, the selected pre-defined reporting pattern indicative of a possible financial result of the entity. A third set of data items supporting the selected pre-defined reporting pattern is then generated from the first and second sets of data items and a financial summary of the one or more financial documents is computed using the selected pre-defined reporting pattern and the third set of data items.
    Type: Grant
    Filed: February 25, 2014
    Date of Patent: February 2, 2021
    Assignee: REFINITIV US ORGANIZATION LLC
    Inventor: Predrag Cvetkovski
  • Patent number: 10909520
    Abstract: A server to process a tab for a customer at a merchant premises may provide a list of candidate merchant premises to a customer mobile device, receive a signal indicating a user selection of one of the candidate merchant premises, receive payment card details for the customer mobile device, obtain a specific code for a tab at the selected merchant premises, send to the customer mobile device the specific code, receive a signal from a Point of Sale (POS) terminal of the selected merchant premises, associate the customer mobile device with an open tab maintained by the POS terminal, receive from the POS terminal at least one identifier and amount for each purchase of the open tab, request payment of at least a portion of a balance of the open tab from a payment gateway using the payment card details, and notify the POS terminal of the payment.
    Type: Grant
    Filed: June 15, 2018
    Date of Patent: February 2, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Ramson Tutte, Ishfaq Lone, Marcia Mora
  • Patent number: 10902405
    Abstract: A system includes a secondary computing device not owned by a user, a hardware processor, a memory and instructions that cause the processor to generate a transient wallet identifier (ID) for a transient mobile wallet, the transient mobile wallet being of limited duration, and provide a configuration user interface the user, presenting configuration information for the transient mobile wallet. The processor also identifies a usage specification for the transient mobile wallet defining allowed uses for the transient mobile wallet. The processor also activates the transient mobile wallet on the secondary computing device, receives a payment transaction approval request, compares the payment transaction data to the usage specification, determines that the payment transaction data is non-conforming, and transmits a rejection message for the first payment transaction.
    Type: Grant
    Filed: May 11, 2016
    Date of Patent: January 26, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Joon Maeng
  • Patent number: 10885503
    Abstract: An adjustable tenant billing to cost mechanism is provided as a platform service from a platform-as-a-service (PaaS) layer within a distributed multi-tenant computing environment. A set of client-application billing measures of multi-tenant computing services of at least one software-as-a-service (SaaS) application operating in a SaaS layer and a set of service-provider cost factors of different types of platform and infrastructure components operating in an infrastructure-as-a-service (IaaS) layer are analyzed. The set of defined relationships is adjusted in accordance with the analysis using a feedback mechanism within the distributed multi-tenant computing environment.
    Type: Grant
    Filed: November 10, 2017
    Date of Patent: January 5, 2021
    Assignee: International Business Machines Corporation
    Inventor: Timothy J. Thompson
  • Patent number: 10867276
    Abstract: A merchant system including an order management application and method of integrating orders received from multiple ordering channels is described. An aggregated order queue is established including multiple orders from multiple different ordering channels. The orders are processed for fulfillment and a delivery channel is selected from multiple delivery channels for delivery of the one or more items of the order. The multiple orders, regardless of the ordering channel originating the order, and delivery channels may be managed via a single user interface.
    Type: Grant
    Filed: March 29, 2016
    Date of Patent: December 15, 2020
    Assignee: Amazon Technologies, Inc.
    Inventors: Gustavo Eduardo Lopez, Ashraf AlKarmi, Kristin Whitney Baker, Matthew Brett Roemer, Pawan Lata Uppuluri
  • Patent number: 10817829
    Abstract: A method for executing a smart recall of a plurality of manufactured units is provided. The method may include, inter alia, using a database architecture to administer a supply chain for the units, assigning each component of the units a distributed ledger (blockchain) identification (ID), and additional pieces of information such as a serial number of the component, a date of manufacture of the component, a location of manufacture of the component, an ID associated with the source of the component, and/or the ID(s) of one or more subcomponent unit(s) of the component. The assigned information is stored in the database architecture. The method may also include generating a private database supplier key and a manufacturer key. The method further includes: transmitting a notice to downstream manufacturers, transmitting a notice to a regulatory agency to implement safety procedures and/or unit and transmitting a recall notice.
    Type: Grant
    Filed: February 23, 2018
    Date of Patent: October 27, 2020
    Assignee: Bank of America Corporation
    Inventors: William P. Jacobson, John C. Checco
  • Patent number: 10814229
    Abstract: Some examples include decomposing an application into fragments and streaming the application in fragments. For instance, a plurality of application fragments may include a first application fragment and a second application fragment that each correspond to a portion of a mobile game application. When streaming the first application fragment to the mobile device, a system may determine that the second application fragment follows the first application fragment based on a fragments relationship data structure. The fragments relationship data structure may associate the first application fragment with the second application fragment based on an analysis of the fragment information that indicates that the second application fragment follows the first application fragment during operation of the mobile game application. The system may stream the second application fragment to the mobile device based on the determination that the second application fragment follows the first application fragment.
    Type: Grant
    Filed: July 19, 2017
    Date of Patent: October 27, 2020
    Assignee: RAZER (ASIA-PACIFIC) PTE. LTD.
    Inventors: Justin Quan, Michael A. Chan
  • Patent number: 10796348
    Abstract: Managing transaction data during times of low network connectivity by organizing billing information for prioritized processing during periods of higher network connectivity. During low connectivity events, billing information is organized based, at least in part, on a combination of age and revenue to communicate important billing information upon reconnection.
    Type: Grant
    Filed: April 22, 2016
    Date of Patent: October 6, 2020
    Assignee: International Business Machines Corporation
    Inventors: Dilip Krishnaswamy, Vinay G. Rajagopal, Rohit Shetty
  • Patent number: 10748110
    Abstract: A cloud-based radio frequency identification system and method for maintaining and providing users with part information for a plurality of parts are provided. The system includes a cloud platform server including a part database storing the part information. The cloud platform server communicates with at least one mobile device and send e-mail and text alerts associated with the part information and also provides the part information through an online website. The system includes a manufacturing network coupled to the cloud platform server. A plurality of manufacturing workstations are disposed at locations at which a plurality of operation steps are carried out and allow for at least one of automatic entry and manual entry of the part information. At least one radio frequency handheld scanner communicates with the cloud platform server through the manufacturing network and scans a radio frequency identification tag of each of the parts.
    Type: Grant
    Filed: February 6, 2019
    Date of Patent: August 18, 2020
    Assignee: DIFR-TEK LLC
    Inventors: David R. Burnett, Jeffrey R. Kosko, Christopher M. Arizo
  • Patent number: 10657529
    Abstract: A point-of-sale terminal includes a card interface, and is configured to receive a plurality of pre-authorization requests, each comprising an authorization and further comprising an account number received from the card interface. The terminal is further configured, in response to each said pre-authorization request, to locate in a pre-authorization database a database record associated with the respective account number, confirm that the respective authorization amount is not greater than an offline authorization threshold, generate an authorization confirmation message comprising the respective account number and the respective authorization amount, and save the authorization confirmation message in a clearing database. The terminal is further configured to generate a clearing payload comprising the plurality of saved authorization confirmation messages, and transmit the clearing payload over a computer network.
    Type: Grant
    Filed: October 3, 2017
    Date of Patent: May 19, 2020
    Assignee: The Toronto-Dominion Bank
    Inventors: Jeffrey Aaron Ecker, Bryan Michael Gleeson, Igor Elkhinovich, Dmitri Rabinovich, Adam Douglas McPhee, Matta Wakim, Kyryll Odobetskiy, Arun Victor Jagga, John Jong-Suk Lee, Rakesh Thomas Jethwa
  • Patent number: 10657489
    Abstract: In some embodiments, methods and systems of managing overstock products at a retail sales facility include scanning a product at a stock room location of the retail sales facility using a hand-held electronic device including a processor. At least two of three functions are performed based on the scanning. First, the product may be audited by comparing data obtained by scanning the product to data contained in an inventory management database. Second, a determination of whether the scanned item is on a pick list may be made, which may include determining a demand for the scanned product to arrive at a decision whether to store the product in the stock room or place it on a shelf on the sales floor. Third, if the item is to be stored in the stock room, a determination of whether identical items are stored in bins in the stock room may be made.
    Type: Grant
    Filed: April 12, 2016
    Date of Patent: May 19, 2020
    Assignee: Walmart Apollo, LLC
    Inventors: Nicholaus Adam Jones, Marc Ashley Fletter, Matthew Allen Jones, Daniel R. Shields, Robert James Taylor
  • Patent number: 10650381
    Abstract: A method is provided for detecting a risk of replacement, at a sales point, of an authentic electronic payment terminal by a fraudulent electronic payment terminal. Wherein the method includes generating an alert when a number of transactions geographically associated with the sales point is above a pre-determined threshold.
    Type: Grant
    Filed: September 15, 2015
    Date of Patent: May 12, 2020
    Assignee: INGENICO GROUP
    Inventors: Pierre Quentin, David Naccache
  • Patent number: 10621572
    Abstract: Performing a financial transaction via a mobile device and a point-of-sale (POS) system may include utilizing the POS system to generate a digital code, communicating the digital code from the POS system to the mobile device, connecting the mobile device to a wireless network using the digital code as a password, forwarding a mobile identifying code, forwarding a network identifying code, transmitting transaction data associated with information regarding the financial transaction, the digital code, the mobile identifying code, the network identifying code, and account information associated with the POS system from the POS system to a payment system via a first digital network path, and transmitting the digital code, the mobile identifying code, the network identifying code, and account information associated with a user of the mobile device from the mobile device to the payment system via a second digital network path.
    Type: Grant
    Filed: October 1, 2019
    Date of Patent: April 14, 2020
    Assignee: Sqwin SA
    Inventor: Victor Gulchenko
  • Patent number: 10607182
    Abstract: One variation of a method for tracking stock level within a store includes: dispatching a robotic system to image shelving structures within the store during a scan cycle; receiving images from the robotic system, each image recorded by the robotic system during the scan cycle and corresponding to one waypoint within the store; identifying, in the images, empty slots within the shelving structures; identifying a product assigned to each empty slot based on product location assignments defined in a planogram of the store; for a first product of a first product value and assigned to a first empty slot, generating a first prompt to restock the first empty slot with a unit of the first product during the scan cycle; and, upon completion of the scan cycle, generating a global restocking list specifying restocking of a set of empty slots associated with product values less than the first product value.
    Type: Grant
    Filed: November 9, 2016
    Date of Patent: March 31, 2020
    Assignee: Simbe Robotics, Inc.
    Inventors: Mirza Akbar Shah, Bradley Bogolea, Jeffrey Gee
  • Patent number: 10559046
    Abstract: A power supply management system according to an embodiment of the present invention includes a fee setting unit configured to set power fee unit prices (first power fee unit price and second power fee unit price) for each time slot, and a notification unit configured to notify a consumer of information on the set power fee unit prices. The first power fee unit price is a power unit price for a household electrical load, and the second power fee unit price is a power unit price in a case of using a charge/discharge device to charge a vehicle-mounted storage battery. The fee setting unit is configured to set, by predicting a load factor of a transformer, a discount rate of the second power fee unit price to become higher (second power fee unit price to become lower) as the predicted load factor becomes lower. The second power fee unit price is determined on the basis of the first power fee unit price and the discount rate.
    Type: Grant
    Filed: October 7, 2015
    Date of Patent: February 11, 2020
    Assignee: TOYOTA JIDOSHA KABUSHIKI KAISHA
    Inventors: Tetsuya Hirata, Masayuki Kawamoto, Jun Koreishi, Tatsuya Morii, Koshi Ito, Kengo Matsunaga, Takahiro Yamada
  • Patent number: 10521783
    Abstract: A POS terminal, a POS system, and a control method of a POS terminal enable adding or changing a payment function, including an electronic payment function, at low cost. A tablet terminal according to the invention has a first operating unit that is located at a first address and runs a first payment application to execute a payment process; a second operating unit that is located at a second address and runs a second payment application; a third operating unit that runs a POS application to execute a transaction process; a storage unit that stores the first address and the second address; and a communication unit that sends the transaction process result of the POS application run by the third operating unit to the first address or the second address.
    Type: Grant
    Filed: March 31, 2015
    Date of Patent: December 31, 2019
    Assignee: Seiko Epson Corporation
    Inventor: Kazuhiro Takasu
  • Patent number: 10515518
    Abstract: Embodiments of the present invention provide a system for managing and/or operating a nodal grid network in which resources are received, dispensed, and transferred throughout the nodal grid network. The nodal network may comprise automated teller machines, merchant stores, delivery vehicles, processing centers, and the like. The system scans resource notes for important and sometimes unique information as the resource notes are received and/or dispensed at each of the nodes. This information about the resource notes and the nodes of the network can be recorded and stored in real-time, such that the system can make real-time decisions regarding how to address any necessary adjustments of resource quantities at each node. Furthermore, historical nodal data can be analyzed to identify trends at each node, and this historical data can be extrapolated to provide insight into an expected health of each node at future points in time.
    Type: Grant
    Filed: May 18, 2017
    Date of Patent: December 24, 2019
    Assignee: Bank of America Corporation
    Inventors: Kerry Michelle Cantley, David Joseph Koval, Kristy Lynn Monk, Keith Dion Owes, Brett C. Carter, James Wayland Pierce, Jr., John Zemaitis, Kim Leah Bunn, Sherri Sullivan, Matthew Joseph Wallace, Veronica Smith
  • Patent number: 10510024
    Abstract: Systems, methods, and computer program products for coordinating operation of relevant systems after a passenger itinerary disruption. Responsive to a transfer request being received that includes at least a portion of a new travel itinerary to replace a disrupted travel itinerary of each of multiple passengers, an inventory system automatically updates counters based on the disrupted travel itinerary of each passenger and the new travel itinerary, and a reservation system automatically updates one or more reservation records to reflect an association between each passenger and the new travel itinerary. Thereafter, a ticketing system automatically performs a ticketing process for each passenger relative to the new travel itinerary, and a departure control system automatically transfers passenger data stored for each passenger in association with the disrupted travel itinerary of the passenger to a record associated with the new travel itinerary.
    Type: Grant
    Filed: March 8, 2017
    Date of Patent: December 17, 2019
    Assignee: AMADEUS S.A.S.
    Inventors: Yann Lamoureux, Emilie Glerant, Sarah Emilie Marie Muguerza, Antoine Lefebvre, Alexandra Beatrix Stephanie Gualmini
  • Patent number: 10467631
    Abstract: An apparatus, method and computer program product for identifying fraud in transaction data. The method includes: receiving invoice data comprising a vendor, a requestor and events, receiving public data and private data sources, computing a vendor risk score using the public and private data sources matching the vendor of the invoice data, computing a requestor risk score using the public data sources and the private data sources matching the requestor of the invoice data, computing an active invoice score using the vendor risk score and the requestor risk score and when the active invoice score is greater than a predetermined amount, blocking the invoice data. In one embodiment, computing a vendor risk score comprises obtaining a weight and a confidence for the event, calculating an event vendor risk score using the weight times the confidence and combining the event vendor risk scores for all of the events.
    Type: Grant
    Filed: April 8, 2016
    Date of Patent: November 5, 2019
    Assignee: International Business Machines Corporation
    Inventors: Amit Dhurandhar, Markus Ettl, Bruce C. Graves, Gopikrishna Maniachari, Anthony T. Mazzatti, Rajesh Kumar Ravi
  • Patent number: 10445838
    Abstract: According to some embodiments, transaction information associated with payments made via a payment account may be retrieved from a transaction database. The retrieved transaction information may then be analyzed to automatically determine periodic payment information (e.g., associated with a subscription or membership) associated with the payment account. The automatically determined periodic payment information may then be output. For example, a predicted next periodic payment due date might be calculated and output.
    Type: Grant
    Filed: December 6, 2013
    Date of Patent: October 15, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Kenny Unser, Serge Bernard, Nikhil Malgatti