Patents Examined by Frantzy Poinvil
-
Patent number: 11004068Abstract: Systems and methods for authorizing a blockchain transaction. A verification network receives a transaction request for the blockchain transaction from a payer device including a first signature generated by a first private key associated with a payer. The verification network broadcasts a verification request to verification system(s) which assess pre-agreed threshold parameters. If the parameter(s) are satisfied, at least one verification system perfects the transaction by generating a second signature using a second private key, and broadcasts the transaction to the blockchain network. If the parameter(s) are not satisfied, verification offer(s) from among the verification system(s) including the second signature(s) are used to prompt the payer device to confirm the blockchain transaction by selecting at least one of the offer(s).Type: GrantFiled: August 26, 2020Date of Patent: May 11, 2021Assignee: Intercontinental Exchange Holdings, Inc.Inventor: Jerry Perullo
-
Patent number: 10997639Abstract: According to one embodiment of the present disclosure, a virtualized communication device dynamic provisioning system includes a computer-based set of instructions that are executed to generate a user interface for receiving selection of one or more virtualized communication devices. The instructions may then receive provisioning information associated with the selected virtualized communication devices from the user interface, and provision the virtualized communication devices in accordance with the received provisioning information to prepare and equip the virtualized communication devices according to the financial transaction.Type: GrantFiled: November 11, 2019Date of Patent: May 4, 2021Assignee: Level 3 Communications, LLCInventor: Michael E. Feldpusch
-
Patent number: 10991015Abstract: The provided donation facilitation system can allow a donor, such as a customer, to challenge another entity, such as a retailer, to make a retailer contribution to a portfolio of multiple charities set up by the donor upon, for example, the purchase of a good or service from the retailer. The provided portfolio donation facilitation system can allow the other entity such as a retailer to create its own retailer portfolio of vetted multiple charities and make an retailer contribution to a customer's portfolio of vetted multiple charities when at least one component of the retailer's portfolio of vetted multiple charities matches at least one component of the customer's portfolio of vetted multiple charities.Type: GrantFiled: August 6, 2019Date of Patent: April 27, 2021Assignee: Change Up Inc.Inventor: Robert W Soderstrom
-
Patent number: 10990966Abstract: A computer-implemented method for receipt management includes receiving, using a mobile wallet stored on a mobile device of a user, receipts that include a record of transactions between the user and one or more merchants, the transactions being performed using the mobile wallet account of the user. The method includes receiving receipts for transactions that were not performed using the mobile wallet account of the user, the receipts being received from a user e-mail address, the receipts for non-mobile wallet transactions being received by the mobile wallet of the user. The method includes aggregating the mobile wallet receipts with the receipts of non-mobile wallet transactions and retrieving and displaying one or more of the mobile wallet receipts and the receipts of non-mobile wallet transactions.Type: GrantFiled: March 18, 2019Date of Patent: April 27, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Stephen M. Ellis, Michael J. Kennedy, Ashish Bhoopen Kurani, Melissa Lowry, Uma Meyyappan, Bipin M. Sahni, Nikolai Stroke
-
Patent number: 10984421Abstract: A service processing method includes: receiving RF signals sent by at least one terminal device, the RF signals including at least one device identifier of the at least one terminal device; selecting an RF signal from the received RF signals, and determining a terminal device corresponding to a device identifier included in the RF signal as a target payment device; collecting first biometric feature information of a user using the terminal device; and after obtaining a verification result of a verification on the user's identity based on the first biometric feature information, sending a payment request to a server if the verification is passed, wherein the payment request is configured to request for completing payment based on a payment account corresponding to the target payment device.Type: GrantFiled: December 26, 2019Date of Patent: April 20, 2021Assignee: Advanced New Technologies Co., Ltd.Inventors: Le Zhou, Li Chen, Huanmi Yin, Hong Zhang, Sihai Yao, Xiaobo Zhang
-
Patent number: 10977392Abstract: A vending machine user interface can include a first controller operatively connected to an input device capable of receiving payment or account information. The first controller can, with another device, via a second controller, or otherwise, allow secure communication of data from the input device. The first controller, in this regard, can control the communication between the input device and the other device to protect the input device from unwarranted communication from the other device. The first controller can establish a secure channel with the other device using encrypted communications. The first controller, second controller, etc. can be connected to independent printed circuit boards (PCB). Activation of sensors connected to the PCBs can cause the first and/or second controllers to erase data necessary to ascertain/decode communications from the input device, such as encryption/decryption information, or may otherwise decommission the input device or a portion thereof.Type: GrantFiled: October 12, 2018Date of Patent: April 13, 2021Assignee: Gilbarco Italia S.r.l.Inventor: Giovanni Carapelli
-
Patent number: 10977656Abstract: A system for detecting a fraudulent ATM transaction is disclosed. The system relates to an ATM machine that receives a bank/ATM card from a customer. The ATM first attempts to read information from the card chip, but is unable to do so due to a read error. The ATM then instead reads the information from the magnetic strip, and initiates a fraud detection procedure. In one such procedure, the ATM uses a local wireless access point to detect a customer's device, such as a phone, in the vicinity of the ATM. In another such procedure, the ATM communicates with a backend server. The backend server then determines the location of the customer device either by transmitting a message to request authorization, or by utilizing GPS or other location-detection means on the customer device to determine whether the customer device is within the ATM vicinity.Type: GrantFiled: December 26, 2019Date of Patent: April 13, 2021Assignee: Capital One Services, LLCInventor: Richard Allen Post
-
Patent number: 10970967Abstract: A voucher ticket system and method of use employing a bill validator installed into any suitable automated machine, including an Automated Teller Machine (ATM), a gaming machine, etc. The bill validator is integrated with a bill reader, a voucher ticket reader, a reader to obtain an electronic voucher ticket from a portable computing device, a printer, and any other supporting peripheral devices. The method processes a deposit, a withdrawal, a transfer and a management of a financial balance of each account. The electronic money handling terminal and the electronic money transaction server communicate through an electronic money handling terminal interface. Upon recognition of an electronic money account of a gaming player, the system receives a voucher ticket master ID issued by a voucher ticket management system at the cash-out, and proceeds with a cash out event to the electronic money account.Type: GrantFiled: March 18, 2019Date of Patent: April 6, 2021Inventor: Yuichiro Tsutsui
-
Patent number: 10963978Abstract: A law enforcement (LE) data processing system (DPS) includes a processor that executes a LE security event notification and dispatch (SEND) utility. The LE DPS receives, from a tracking system communicatively coupled to the LE DPS, an enhanced security event notification (ESEN) that includes information identifying a security event, a location at which the security event occurred, and additional distinguishing details corresponding to entities involved in and affected by the security event. The LE DPS selectively transmits information from the updated ESEN to at least one LE dispatch server supporting LE personnel within one of (i) a geographic vicinity of the location of the security event and (ii) a calculated zone of recapture, the additional distinguishing details enabling the LE personnel to receive a more complete set of relevant details at a LE field device that enables more accurate identification, tracking, and resolution by LE personnel of the security event.Type: GrantFiled: October 10, 2018Date of Patent: March 30, 2021Assignee: Overhaul Group, Inc.Inventor: Barry Conlon
-
Patent number: 10956989Abstract: Novel tools and techniques are provided for implementing accounting platform functionalities. In various embodiments, a computing system might access a data file(s) associated with a first entity from a first accounting software system among a plurality of accounting software systems, each operating based on corresponding one of two or more commercial accounting software that are different from and/or incompatible with each other. The computing system might autonomously extract transaction data corresponding to a transaction entry for each individual transaction. The computing system might autonomously generate a transaction-based trial balance based on the extracted transaction data, the generated transaction-based trial balance serving as a living trial balance that is continually updated based on updated or new transaction data that is accessed from the first accounting software system.Type: GrantFiled: June 10, 2020Date of Patent: March 23, 2021Assignee: Ford Squared Technologies LLC.Inventors: Stanford C. Baker, David L. Knedlik, Joseph Brandon Abesamis, Tyler Adams
-
Patent number: 10949928Abstract: An intermediary entity may act on behalf of consumers to find policy rates and/or other features that best meet the consumers' insurance requirements and/or preferences. For instance, consumers may give affirmative consent or otherwise opt into a program that provides insurance cost savings or discounts. Based upon an analysis of individual consumer characteristics and/or insurance preferences, each individual consumer may be grouped with other insurance consumers having similar characteristics and/or insurance preferences. The insurance consumer groupings may be offered for sale, such as through an online auction. When a winning bid is accepted, the insurance policies of the consumers may be updated or new policies may be provided and/or presented to individual consumers for their approval, thereby providing consumers with lower cost insurance and/or insurance that is more reflective of actual risk (or lack thereof). The consumer groups may be updated over time and re-auctioned.Type: GrantFiled: November 11, 2019Date of Patent: March 16, 2021Assignee: State Farm Mutual Automobile Insurance CompanyInventor: Leif Agerholm Roll
-
Patent number: 10949848Abstract: A message is generated to initiate an ACH (automated clearing house) transaction to benefit a recipient account associated with a recipient token. The message includes the recipient token. After the message is transmitted, an authentication message is received. The authentication message indicates authentication of the recipient token. The ACH transaction is implemented in response to receiving the authentication message.Type: GrantFiled: October 26, 2017Date of Patent: March 16, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Frank Charles Barbuto, Wei Xu
-
Patent number: 10943231Abstract: A system includes a transaction terminal that is configured to examine an authorization response for an indicator, which, when set, causes the transaction terminal to communicate with a portal to obtain content relevant to the receipt for the transaction approved by the authorization response. The content may identify the benefit of an offer applied to the transaction, which is not reflected in the authorization response. The content may direct the user to select an option regarding the delivery of the receipt. Options presented for selection include suppression of the printing of the paper receipt in favor of an electronic receipt transmitted to a communication reference of the user, printing a mini paper receipt in addition to transmitting an electronic receipt, and/or printing the full paper receipt at the transaction terminal.Type: GrantFiled: August 28, 2018Date of Patent: March 9, 2021Assignee: Visa International Service AssociationInventors: Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell, Phillip Lyle Kumnick, Nancy L. Kim
-
Patent number: 10943305Abstract: A policy issuance architecture processes cancellation requests for cancelling insurance policies maintained by the policy issuance architecture. The policy issuance architecture includes several multi-tiered data structures, wherein each multi-tiered data structure corresponds to a particular geographic region. The policy issuance architecture references a particular multi-tiered data structure based on the geographic region associated with an identified insurance policy. The policy issuance architecture uses the particular multi-tiered data structure to populate various selectable fields used to create a cancellation request for the identified insurance policy. After the values of the selectable fields have been selected and/or entered, the policy issuance architecture verifies the values to ensure that the cancellation request has been properly configured. Upon submission of the cancellation request, the policy issuance architecture associates the cancellation request with the identified insurance policy.Type: GrantFiled: June 24, 2019Date of Patent: March 9, 2021Assignee: Hippo Analytics Inc.Inventors: Adrian Mihai Olariu, Arie Yelovitch, Eyal Navon
-
Patent number: 10937030Abstract: A computing system for detecting fraudulent payment card network events includes a ratio striping engine that receives scored payment card transaction authorization requests and generates data structures for a plurality of account ranges. Each data structure sorts the transaction authorization requests within the associated account range over a plurality of fraud score range stripes. The data structures are parsed over time periods that extend back from a common starting point. For each data structure and time period, at least one cumulative metric is calculated from the transaction authorization requests in each fraud score range stripe. For each data structure, ratio striping values are determined between values of the at least one metric in a fraud score range stripe over two of the time periods. A fraud event associated with at least one of the account ranges is detected based on the ratio striping values for the corresponding data structure.Type: GrantFiled: December 28, 2018Date of Patent: March 2, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Joshua A. Allbright, Christopher John Merz
-
Patent number: 10937032Abstract: A computer-implemented method for updating merchant information regarding card-not-present recurring payment (CNP/RP) transactions is provided, wherein the method involves a recurring transaction initiated by a cardholder using payment card information stored by a merchant. The method includes querying a database coupled to a payment network to identify a candidate payment card having stale payment card data. The stale payment card data includes at least an existing expiration date that is within a predetermined period of time of a selected calendar date. The method also includes querying the database to identify at least one recent transaction involving the candidate payment card. The recent transaction includes payment card data having an updated expiration date. The method further includes notifying the merchant that the existing expiration date has been replaced with the updated expiration date.Type: GrantFiled: September 28, 2017Date of Patent: March 2, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Sharon A. Rosano
-
Patent number: 10929936Abstract: Systems and methods to facilitate automated validation of anti-money laundering alerts are disclosed. Exemplary implementations may: obtain alert information indicating monetary transaction flow patterns suspected as money laundering; identify pattern types of the monetary transaction flow patterns; obtain source lists indicating sources of extra-transactional information related to the entities involved in the monetary transactions and significance of the sources; access the sources and obtain the extra-transactional information; evaluate the extra-transactional information included in the sources in accordance with indicated significance of the sources to validate or disprove the suspicions of the monetary transaction flow patterns; and/or perform other operations.Type: GrantFiled: January 4, 2018Date of Patent: February 23, 2021Assignee: Jumio CorporationInventor: Benjamin Tyson Duranske
-
Patent number: 10922685Abstract: Systems and methods for authorizing a blockchain transaction. A verification network receives a transaction request for the blockchain transaction from a payer device including a first signature generated by a first private key associated with a payer. The verification network broadcasts a verification request to verification system(s) which assess pre-agreed threshold parameters. If the parameter(s) are satisfied, at least one verification system perfects the transaction by generating a second signature using a second private key, and broadcasts the transaction to the blockchain network. If the parameter(s) are not satisfied, verification offer(s) from among the verification system(s) including the second signature(s) are used to prompt the payer device to confirm the blockchain transaction by selecting at least one of the offer(s).Type: GrantFiled: March 3, 2020Date of Patent: February 16, 2021Assignee: Intercontinental Exchange Holdings, Inc.Inventor: Jerry Perullo
-
Patent number: 10922773Abstract: In order to facilitate secure and confidential electronic exchanges, systems and methods include establishing an electronic communication session based on participation levels controlled by a stack software object such that each invitee computing device associated with each invitee is prevented from accessing activities in the electronic communication session unless the invitee satisfies first predetermined parameters based on a locked stack participation level; an initiating computing device associated with the initiating user is enabled to access the electronic communication setting at a reserve level while each invitee computing device is prevented from accessing the activities in the electronic communication session unless the invitee satisfies second predetermined parameters based on an unlocked stack participation level; and the initiating computing device and each invitee computing device are enabled to access the activities in the electronic communication session based on an open stack participation lType: GrantFiled: May 20, 2020Date of Patent: February 16, 2021Assignee: Broadridge Fixed Income Liquidity Solutions, LLCInventors: James Toffey, Spenser Huston, Vijay Mayadas, William Gartland, Thomas Duignan, Rick Montgomery, Albert John Cass, Suneel Nallagonda, Bryan Moore
-
Patent number: 10922771Abstract: A computer-implemented method and a computer-based system for detecting, profiling and benchmarking Intellectual Property (IP) law professional liability risks and professional liability insurance risks and value associated with IP prosecution and maintenance processes for IP business entities, including IP law firms and independent IP professionals. The method and system enable an insurance firm to accurately quantify professional liability risk of a new or existing IP business client and to mitigate such risks. The method involves accessing and collecting transaction data indicative of risk-reducing and risk-increasing behavior of an IP business entity from a National IP Office in a chosen jurisdiction and sending the transaction data to a back-end computer system for processing and analysis. The transaction data may be collected from the USPTO PAIR system.Type: GrantFiled: May 12, 2017Date of Patent: February 16, 2021Inventor: Bayo Odutola