Patents Examined by Hai Tran
  • Patent number: 11562424
    Abstract: A system and method for performing a purchase transaction using rewards points by receiving a purchase request using a financial account with associated account information, determining based on the account information that the financial account is associated with a rewards program with rewards points, and providing the option to pay for the purchase using the financial account or at least a portion of the rewards points. The purchase may be paid for using rewards points from multiple rewards programs and/or multiple financial accounts.
    Type: Grant
    Filed: November 2, 2020
    Date of Patent: January 24, 2023
    Inventors: Richard Elliott, Matthew Sextone, Patricia Hansen, Rhett Edwards
  • Patent number: 11551202
    Abstract: Method to generate onboarding flow for application starts with on-boarding server receiving request from electronic device to activate application. On-boarding server determines whether request is initial request. Request is determined to be initial request when minimal set of information associated with user is not stored in on-boarding server. When request is determined to be initial request, on-boarding server signals to electronic device to display request for minimal set of information associated with user which includes at least one of: user identification, legal name, phone number, or email address. Minimal set of information associated with user is then received and stored in on-boarding server. On-boarding server signals to allow initial access to application. Signaling to allow initial access includes signaling that user requires access to payment processing hardware to process user's physical payment instrument.
    Type: Grant
    Filed: August 15, 2019
    Date of Patent: January 10, 2023
    Assignee: STRIPE, INC.
    Inventor: Steven Henry Noble
  • Patent number: 11551196
    Abstract: Systems and methods are provided for group bill payment comprising creating a secure group bill payment account associated with a plurality of group members. The group bill payment account may be configured to receive information via a network from the plurality of group members; permit a group member to manage the group bill payment account following an authentication process; and transmit a group payment to a provider. Systems and methods may further comprise receiving instructions from a group member to create a rule for requesting payment, the bill being from a provider and associated with group members; receiving the bill issued by the provider; determining a charge based on the bill and the rule; sending a payment request based on the charge; receiving a deposit into the group bill payment account; transmitting a group payment; and sending a notification.
    Type: Grant
    Filed: February 28, 2020
    Date of Patent: January 10, 2023
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Joshua Edwards, Michael Mossoba
  • Patent number: 11544711
    Abstract: A usage frequency attribute is determined for each biometric feature in a biometric feature database. The usage frequency attribute indicates a matching success frequency of matching the biometric feature to a user having the biometric feature. The biometric features of the user are sorted in descending order of the usage frequency attribute. The sorting is based on a descending order of the usage frequency attributes for a given user. The biometric features in the biometric feature database are stored in descending order. The storing includes providing prioritized access to the biometric feature having a highest value of the usage frequency attribute so that the biometric feature is selected first in response to a request for the biometric feature of the user.
    Type: Grant
    Filed: December 18, 2019
    Date of Patent: January 3, 2023
    Assignee: Advanced New Technologies Co., Ltd.
    Inventors: Fen Zhai, Chunlei Gu, Lei Lu, Yanghui Liu
  • Patent number: 11544778
    Abstract: The disclosure extends to methods, systems, and computer program products for producing financial goal planning having two dimensional and three dimensional graphical representations for financial goals.
    Type: Grant
    Filed: September 9, 2014
    Date of Patent: January 3, 2023
    Inventors: John Ryan Caldwell, Ronald Brennan Knotts, Jonathan R. Hopkins
  • Patent number: 11526869
    Abstract: A wearable RFID device is provided for use in an event-based interrogation zone. The zone contains terminals with RFID readers. The device has an element worn by a user and an attached or embedded RFID tag. The tag has stored data representing a UniqueID of the tag, and a stored funds balance. The tag is programmed to activate an otherwise inactive one of said terminals upon presentation of the tag to the RFID reader of said terminal in a first tap, and communicate its UniqueID to the terminal for validation. Upon validation and following a second tap of the tag at the RFID reader, the tag's stored funds balance can be changed by the amount of a transaction run through said terminal. A temporary installation of a system of RFID-based terminals and user-worn RFID devices is also provided for use within an event interrogation zone.
    Type: Grant
    Filed: December 12, 2019
    Date of Patent: December 13, 2022
    Assignee: Crowdblink Technologies, Inc.
    Inventors: Barna Jardany, Gabor Remete, Serge Grimaux
  • Patent number: 11526856
    Abstract: A computer implemented method of processing a financial transaction executed by first person includes determining an automatic savings amount from the financial transaction by rounding up the amount of the financial transaction to the nearest dollar. The method further includes debiting the calculated savings amount from an account of the first person and crediting the savings amount to an account of a second person.
    Type: Grant
    Filed: March 13, 2020
    Date of Patent: December 13, 2022
    Assignee: Bank of America Corporation
    Inventors: Daniel A. Carretta, Thomas M. Hancock, Karen K. Lewy, Charles R. Liu, Jack Meyers, Sheryl W. Strott, Faith A. Tucker, Carrie A. Hanson
  • Patent number: 11526934
    Abstract: Data account management systems and methods are described. A server is in communication with one or more information source systems, at least one user device associated with at least one user and one or more electronic data accounts associated with the user. The server links the electronic data accounts, monitors data among the information source systems and the linked accounts for any changes in activity associated with the user, predicts a behavioral activity of the user via machine learning based on at least one of the monitored data and historical data associated with the user, identifies at least one notification instruction specific to the user based on the predicted behavioral activity, and generates an interactive graphical user interface (GUI) for display on the user device. The interactive GUI presents one or more of the notification instruction and a user profile of the at least one user among the linked accounts.
    Type: Grant
    Filed: January 28, 2021
    Date of Patent: December 13, 2022
    Assignee: Citizens Financial Group, Inc.
    Inventors: Andrew Kamron Rostami, Robert J. Sherman, Christina Elizabeth Sweeny, Gaurav Sethi, Scott Joseph Slagsvol, Rebecca Marie Hornbuckle, Shaun Kevin Fisher, Najmeh Mirzaie, Grace Elisabeth Nicklin, Venu Appana
  • Patent number: 11521264
    Abstract: Systems as described herein may visualization interest charges based on payment options. Transaction information associated with a plurality of recurring payment accounts may be received. A calendar view displaying an aggregated daily balance and an aggregated interest charge may be generated. Upon receiving a transaction request with a transaction amount, a projected aggregated daily interest charge may be generated in real-time. After detecting that the projected aggregated daily interest charge exceeds a threshold amount, an alert associated with the calendar view may be generated to recommend an alternative payment method to a user device.
    Type: Grant
    Filed: May 14, 2020
    Date of Patent: December 6, 2022
    Assignee: Capital One Services, LLC
    Inventors: Afna Kanhirothan Poilil, Eric K. Barnum, Seshu Pitcha
  • Patent number: 11501372
    Abstract: Methods, systems and computer-readable storage media disclosed herein provide visual depictions of warnings and errors. An example method includes detecting, using a computing device, a change in a design of a trading algorithm. The trading algorithm is defined by a user-specified arrangement of blocks representing trading functionality. The example method includes determining, using the computing device, whether the trading algorithm complies with a trading algorithm rule. The example method includes facilitating, using the computing device, at least one of warning handling or error handling when the trading algorithm does not comply with the trading algorithm rule. Facilitating warning handling or error handling includes displaying a warning or an error to the user in connection with the trading algorithm before the trading algorithm is available for execution.
    Type: Grant
    Filed: August 5, 2020
    Date of Patent: November 15, 2022
    Assignee: Trading Technologies International, Inc.
    Inventors: Richard Lane, Gregory DeArment
  • Patent number: 11501279
    Abstract: An appointment and payment handling system may operate to handle payments for appointments based on user locations at times associated with appointments. The appointment and payment handling system may determine if a location of a customer device associated with a customer associated with an appointment matches a location associated with the appointment. If the locations match, the appointment and payment handling system may create a payment record for a payment to the merchant from the customer based on the determination that the customer location matches the location associated with the appointment.
    Type: Grant
    Filed: August 3, 2020
    Date of Patent: November 15, 2022
    Assignee: Block, Inc.
    Inventors: Lauren A. Myrick, Evan Ginsburg, Willem Ave
  • Patent number: 11501377
    Abstract: Embodiments of methods and systems for dynamic insurance of clients with access to a shared asset pool through a subscription vehicle service are disclosed. An exemplary embodiment of a method for dynamic insurance leverages a subscription vehicle service platform to collect data elements associated with each driver-to-vehicle combination in the subscription vehicle service. Using the collected data elements, embodiments package the data elements according to predefined preferences of one or more insurance providers. When a present driver-to-vehicle combination associated with a given client changes, the packaged data elements are provided to the insurance providers in order to solicit quotations, or approval, or continuation of current policy for the new driver-to-vehicle combination. In this way, constantly updated data elements derived from the client's use of the service provide accurate information for optimized insurance coverage based on the client's active driver-to-vehicle combination.
    Type: Grant
    Filed: October 31, 2019
    Date of Patent: November 15, 2022
    Inventors: Brady L. Rackley, III, John R. Phelps, Jr., Adam J. Carley, Vincent G. Zappa, Steven S. Neel
  • Patent number: 11494756
    Abstract: A mobile communication device accepts payments and is capable of integration of retail business applications without additional hardware. It allows merchants to accept card present payments directly without any need for additional external hardware, such as Point of Sale (POS) terminals. The merchant can accept card present payments from a contactless credit/debit card, from a mobile smart phone or another mobile telecommunication device supporting payment card digitization, or from a mobile smart phone or another mobile telecommunication device that carries or can access and transmit relevant payment information.
    Type: Grant
    Filed: March 15, 2017
    Date of Patent: November 8, 2022
    Inventors: Ivo Alexandrov Gueorguiev, Konstantin Yanev Dzhelebov, Antonina Ivanova Martinova
  • Patent number: 11488249
    Abstract: A system for allowing improved communication between parties. The system includes a consumer data module that is configured to receive data describing a consumer. The consumer data includes data input by the consumer and/or data obtained from third party sources. A financial services professional data module receives data describing a financial services professional. The financial services professional data includes data input by the financial services professional and/or data obtained from third party sources. Databases are configured to store the consumer data and the financial services professional data. A communication module is configured to receive a request from a consumer to engage a financial services professional. A consumer finances module is configured to access financial information of the consumer upon obtaining authorization by the consumer.
    Type: Grant
    Filed: April 10, 2018
    Date of Patent: November 1, 2022
    Assignee: Nationwide Mutual Insurance Company
    Inventors: Prabaharan Sivashanmugam, Sreenidhi R. Allipuram, David A. Vasquez, Venkateswara R. Menta, Vernon Eudell, II
  • Patent number: 11481769
    Abstract: The present disclosure generally relates to techniques for managing contextual transactions. In some examples, at a sender electronic device, a first user provides authorization to purchase an item for a second user. In some examples, at a recipient device, the second user selects one or more attributes for the item and requests to claim the item. In some examples, an electronic device displays a representation of an item and a purchase affordance for purchasing the item using a payment system that is available on the electronic device.
    Type: Grant
    Filed: February 12, 2020
    Date of Patent: October 25, 2022
    Assignee: Apple Inc.
    Inventors: Marcel Van Os, Peter D. Anton, Donald W. Pitschel, Simon Tickner
  • Patent number: 11481839
    Abstract: In some examples, a computing device may process a plurality of transactions initiating on at least one of mobile applications or web applications. The computing device may determine eligibility of a first merchant to receive an offer for financing based on one or more attributes of transactions, of the plurality of transactions, that are associated with the first merchant or one or more similar merchants. In addition, the computing device may generate the offer for financing for a particular amount based on the eligibility of the merchant. Further, the computing device may cause presentation of the offer for financing on a first merchant computing device associated with the first merchant. For example, the offer may specify terms for the financing and terms of repayment, the terms of repayment including using a portion of funds from at least one additional transaction for repayment.
    Type: Grant
    Filed: October 9, 2019
    Date of Patent: October 25, 2022
    Assignee: BLOCK, INC.
    Inventors: Ariana Poursartip, John Bryan Scott, Kevin Teh
  • Patent number: 11475446
    Abstract: The disclosure comprises systems, methods and computer program products for identity authentication in connection with payment account information submitted for the purpose of network based electronic payment transaction(s). The disclosure comprises (i) receiving from a merchant server, (a) a name associated with a purchaser, and (b) a payment card number, (ii) retrieving a data record comprising a payment card holder name associated with the received payment card number, (iii) comparing the payment card holder name extracted from the retrieved data record with the name associated with the purchaser that has been received at the merchant server, and (d) responsive to a match between the payment card holder name extracted from the retrieved data record with the name associated with the purchaser that has been received at the merchant server, generating a positive identity authentication decision and transmit said identity authentication decision to the merchant server.
    Type: Grant
    Filed: October 30, 2019
    Date of Patent: October 18, 2022
    Inventors: Arunmurthy Gurunathan, Ravi Pareek
  • Patent number: 11468533
    Abstract: A system may include a telematics device associated with a vehicle, a first computing device, a second computing device associated with a driver of the vehicle, a database, and a driving behaviors analysis server. The driving behaviors analysis server may receive, from the telematics device, driving data of the driver of the vehicle and identify one or more driving behaviors of the driver based on the driving data. The driving behaviors analysis server may assign a driver safety rating to the driver based on the identification and may determine one or more rated vehicles with safety ratings that correspond to or are similar to the driver safety rating assigned to the driver based on parsing data regarding a plurality of rated vehicles in the database. Further, the driving behaviors analysis server may generate and send a customized recommendation to the driver presenting information regarding the one or more rated vehicles.
    Type: Grant
    Filed: November 26, 2019
    Date of Patent: October 11, 2022
    Assignee: Allstate Insurance Company
    Inventor: Grady Irey
  • Patent number: 11461850
    Abstract: A system may include sensors associated with structures, such that the sensors acquire data sets associated with the structures. The processor receives the data sets from the sensors, determines environmental conditions associated with the structures over a period of time, and determines a structural condition associated with one of the structures based on the data sets. The processor also determines a maintenance condition associated with the one of the structures based on one of the data sets, determines operating parameters associated with appliances within the structure based on the one of the data sets, and determines habits of occupants associated with the one of the structures based on the one of the data sets. The processor then adjusts properties of an insurance policy associated with the one of the structures based on the environmental conditions, the structural condition, the maintenance condition, the operating parameters, the habits, or any combination thereof.
    Type: Grant
    Filed: June 9, 2020
    Date of Patent: October 4, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael J. Allen, Ramsey Devereaux, Spencer Read, David S. Franck, Shanna Limas, William Chandler, Daniela Wheeler, Kathleen L. Swain, Cleburne R. Burgess
  • Patent number: 11430070
    Abstract: Intelligent application of reserves to transactions are described. In an example, server(s) associated with a payment processing service receive, from a point-of-sale (POS) device operated by a merchant, transaction data associated with a payment transaction between the merchant and a customer. Based on a predictive model, the server(s) can determine a level of risk associated with the merchant and/or the payment transaction and can determine a portion of the transaction to withhold from a settlement amount of the payment transaction based at least in part on the level of risk. The portion can be deposited into a reserves account associated with the payment processing service to satisfy costs associated with chargeback requests.
    Type: Grant
    Filed: August 5, 2020
    Date of Patent: August 30, 2022
    Assignee: Block, Inc.
    Inventors: Brian Mullins, Jeana Williams, Natalie Tarabay