Patents Examined by Hatem M Ali
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Patent number: 11928663Abstract: This disclosure describes systems, methods, and computer-readable media related to mobile device purchase flows. In some embodiments, a mobile device may obtain a uniform resource identifier (URI). The mobile device may launch a browser based at least in part on the URI. The mobile device may submit a first set of data to a server based at least in part on the URI and receive a re-direct URI. The mobile device may launch an application in response to receiving the re-direct URI from the server, wherein the application submits a second set of data to the server. The mobile device may facilitate completion of a transaction by the application based at least in part on matching the first set of data and the second set of data at the server.Type: GrantFiled: June 30, 2021Date of Patent: March 12, 2024Assignee: FIRST DATA CORPORATIONInventors: Vijay Kumar Royyuru, Brent Dewayne Adkisson, Raja Vel, Brent Allen Stains, Donncha O'Hegarty
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Patent number: 11900470Abstract: A first inspection of insured property is performed to detect hazardous conditions related to the insured property. This first inspection is performed using a first set of imagery data received from one or more imagery data sources. One or more preventive measures are recommended to address the detected hazardous conditions based on analysis of the first set of imagery data. A second inspection is performed using a second set of imagery data received from the imagery data sources. The second inspection is performed to verify that recommended preventive measures have been taken. The first and second sets of imagery data may contain satellite and aerial imagery. The imagery data sources may provide information such as an image of an insured property's roof, an image of a terrain surrounding the insured property, or any other aerial images.Type: GrantFiled: March 9, 2021Date of Patent: February 13, 2024Assignee: United Services Automobile Association (USAA)Inventors: Ramsey Devereaux, Tearanie Kennedy, Michael J. Allen, Spencer Read, Elizabeth J. Rubin, Mark A. Zuwala, Mark F. Davis, Kathleen L. Swain
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Patent number: 11900449Abstract: A portal to provide user interfaces to users to access and/or purchase account features in connection with websites of issuers. The user interfaces have white label configurability that allows the issuers to customize the labeling of the user interfaces such that the user interfaces can be perceived as part of the websites of the issuers of the consumer accounts of the respective users. The user interfaces are configured to present, in a user friendly way, the account features currently in the consumer accounts, as well as optional account features that can be purchased at additional costs.Type: GrantFiled: August 31, 2021Date of Patent: February 13, 2024Assignee: Visa International Service AssociationInventors: Anne Marie Louie, Shipra Jha
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Patent number: 11893632Abstract: Systems and methods for dynamic detection of security features based on self-supervised natural language extraction from unstructured data sets are disclosed. The system may receive an unstructured data array including a full text of financial narrative. The system may serialize the unstructured data array to form one or more first data arrays including portions of the full text as discrete financial risk narratives. The system may build a tokenization dictionary and determine condensed summaries for each portion of the full text. The system may determine a relevancy score and a sentiment score for each condensed summary and calculate an overall relevancy score as a weighted average of the relevancy score and the sentiment score. When the overall risk score exceeds a predetermined threshold, the system may execute one or more security actions.Type: GrantFiled: January 6, 2021Date of Patent: February 6, 2024Assignee: CAPITAL ONE SERVICES, LLCInventors: Minnie Virk, Rohan Mehta, Alberto Silva, Anthony Shewnarain, Steven Freeman, Stephen Jurcsek, Leah Lewy, Ross Arkin
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Patent number: 11887085Abstract: Examples described herein relate to apparatuses and methods for reducing an amount of time that a user of a drive-up banking system is exposed to outdoor environmental conditions. A method includes detecting, by a drive-up banking system, a presence of a vehicle proximate the drive-up banking system; projecting, by the drive-up banking system, a user interface onto a vehicle window such that the user interface is visible to the occupant of the vehicle; receiving, by the drive-up banking system, information indicative of an identity of the occupant of the vehicle; determining, by the drive-up banking system, an account corresponding to the occupant of the vehicle; requesting, by the user interface, transaction information; receiving, by the user interface, information indicative of the transaction information; and conducting, by the drive-up banking system, a transaction based on the transaction information.Type: GrantFiled: April 13, 2021Date of Patent: January 30, 2024Assignee: Wells Fargo Bank, N.A.Inventor: Dennis E. Montenegro
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Patent number: 11880826Abstract: Various embodiments of the present disclosure are generally directed to processing conversions of digital assets to fiat currency. An example method includes obtaining a conversion rate for a digital asset via an API, providing the conversion rate via a client device, receiving a digital asset conversion request and executing a digital asset conversion within a configurable time period. Executing the digital asset conversion includes causing digital asset units to be debited from the digital asset user account and causing fiat currency units to be credited to a fiat currency user account. The method further includes dynamically providing a notification of execution of the digital asset conversion via the client device, updating account balance data objects associated with the digital asset user account and the fiat currency user account, and subsequent to executing the digital asset conversion, executing a fiat currency transaction (e.g., a settlement) with a digital asset exchange system.Type: GrantFiled: July 16, 2021Date of Patent: January 23, 2024Assignee: BAKKT MARKETPLACE, LLCInventors: Christopher Michael Petersen, Jeffrey Scott Pittelkau, Nikolais Linsteadt, Joseph Arthur Revnes, Brian Daniel Cooper, William Matthau, Yamini Bistesh Sagar, Nicolas Frederic Cabrera, Utkarsh Agarwal, Tim Kuchlein, Bharath Lakshmanan, William Andrew Bryant, Stephen Paul Saucier, Deepak Kumar, Anil Jaiswal, Byungkwon Jeon, Balaji Devarasetty
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Patent number: 11880818Abstract: Techniques and arrangements of a point-of-sale (POS) system including a transaction interface control mechanism configured to prevent simultaneous input by a merchant and a customer during a transaction. The POS system can include a merchant user interface (UI) presented on a merchant-facing display and a customer UI presented on a customer-facing display. In some instances, the merchant UI can be on a display of a merchant device, while the customer UI can be on a display of a customer device. In such instances, the merchant device and the customer device can be operably connected via a wired or wireless connection.Type: GrantFiled: December 9, 2019Date of Patent: January 23, 2024Assignee: Block, Inc.Inventors: Bruce Bell, Alexey Kalinichenko, Logan Johnson, Nicholas Dower, Raymond Ryan
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Patent number: 11875321Abstract: A card, such as a payment card, can enable provisioning of services. The card includes hardware and software that enable the card to connect to a local device that includes a display. Further, the card can comprise hardware and software that allow the card to connect to a remote server, in one instance by way of a dedicated communication channel. The card can also include a processor and memory that stores instructions that when executed by the processor provide services, such as bank services. The display is provided with graphical elements by the service for rendering including data from a bank or other remote server. A device or interactive display can enable user interaction with services.Type: GrantFiled: January 7, 2021Date of Patent: January 16, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Manpreet Singh, Parul Ghosh
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Patent number: 11868983Abstract: Various embodiments include at least one of devices, systems, methods, and software systems and method enabling communication and signaling devices. One embodiment is in the form of a method that includes receiving, via a network, data from a mobile device of an authenticated customer, including data of items for purchase scanned by the mobile device and storing the data of the scanned items for purchase in a cart data structure associated with an account of the authenticated customer. The method also includes receiving, via the network, data indicating the mobile device is located at a pay station and payment data from the mobile device to pay for items represented in the cart data structure. This method further includes transmitting, via the network and in response to the received payment data, a payment confirmation to the mobile device generated upon successfully processing a payment for items in the cart data structure.Type: GrantFiled: November 27, 2019Date of Patent: January 9, 2024Assignee: NCR Voyix CorporationInventors: Kip Oliver Morgan, James Emery Fugedy, II
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Patent number: 11869078Abstract: A method for generating a prediction of a latency of a transaction processing system includes: sampling a first plurality of messages from a database that stores data indicative of messages previously processed by the transaction processing system including a characteristic and a processing time of each previously processed message; generating latency tables based upon the characteristics and the processing times of the sampled first plurality of messages; determining a characteristic of each of a second plurality of messages being processed by the transaction processing system; selecting, for each of the second plurality of messages, a latency table from the plurality of latency tables based upon the respective determined characteristic; simulating a processing time for each of the second plurality of messages based upon the respective selected latency table; and generating a latency prediction for the transaction processing system based upon the simulated processing times for the second plurality of messageType: GrantFiled: April 15, 2021Date of Patent: January 9, 2024Assignee: Chicago Mercantile Exchange Inc.Inventors: Jose Antonio Acuña-Rohter, Paul Callaway, Kyle D. Kavanagh, Christopher Walsh, Sherry Bryant, Elisa Lugo, Joshua Hoffberg
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Patent number: 11842392Abstract: A method for employing adaptive credit decisions in relation to extension of a loan to a user may include receiving user information associated with the user and transaction information associated with a transaction of the user with respect to a product or service offered by a vendor, employing a first credit decision model to execute a first credit extension decision with respect to a first type of financing option based on the user information and the transaction information, employing a second credit decision model to execute a second credit extension decision with respect to a second type of financing option based on the user information and the transaction information, and determining, based on the first and second credit extension decisions, whether to extend a credit offer to the user when the user proceeds to checkout for the transaction.Type: GrantFiled: September 17, 2021Date of Patent: December 12, 2023Assignee: Affirm, Inc.Inventors: Shawn Krisman, Jaya Pareek, Jeremy Mittleman, Kenny Eimer, Michael Boardman
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Patent number: 11836697Abstract: A service tracking and guidance system includes processing circuitry configured to receive, from a location tracking device and/or an online service, usage data indicative of usage of a service by a consumer. The processing circuitry is also configured to determine a usage value based on the usage data, to receive remittance data indicative of recurring payments made by the consumer for the service, and to retrieve a usage threshold that represents a level of usage of the service that justifies the recurring payments. The processing circuitry is further configured to compare the usage value determined based on the usage data for a time period that corresponds to at least one of the recurring payments to the usage threshold and to provide an output with directions to increase the usage value or to facilitate cancellation of the service in response to the usage value being below the usage threshold.Type: GrantFiled: June 30, 2020Date of Patent: December 5, 2023Assignee: United Services Automobile Association (USAA)Inventors: Reynaldo Medina, III, William Preston Culbertson, II, Susan Elizabeth Wright
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Patent number: 11823139Abstract: An image of a transaction receipt is obtained and optical character recognition (OCR) is processed on the image to identify a transaction identifier, a transaction total, and a handwritten amount associated with a transaction. When a confidence value associated with the OCR is above a threshold value, the handwritten amount is processed automatically through a transaction interface for the transaction to update the transaction total for the transaction.Type: GrantFiled: January 29, 2019Date of Patent: November 21, 2023Assignee: NCR CorporationInventor: Itamar David Laserson
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Patent number: 11823160Abstract: A system and computer-implemented method includes the operations of transmitting a cold reset signal to a multiple-funding source payment card and receiving a first answer-to-reset message therefrom. The first answer-to-reset message includes governing rules for performing a single-swipe transaction. The operation also includes receiving payment account details for a first payment account in accordance with the governing rules. A first PIN associated with the first payment account is input by a cardholder and a first payment authorization request message for approval of the single-swipe transaction is transmitted. Upon receipt of a payment declined response message, a warm reset signal is transmitted to the payment card. A second answer-to-reset message is received including payment account details for a second payment account.Type: GrantFiled: April 2, 2021Date of Patent: November 21, 2023Assignee: Mastercard International IncorporatedInventors: Vikas Bishnoi, Shubham Bijawat, Shubham Kumar
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Patent number: 11810115Abstract: Described herein is a platform and method for generating a terminal location from transaction data. In some embodiments, location data is periodically provided to a service computer from multiple mobile devices. Additionally, transaction data related to terminals may be provided to the service provider by one or more entities. The service provider may be configured to match records in the received transaction data to records in the received location data to identify a set of potential terminal locations. In some embodiments, the set of potential terminal locations may be filtered according to one or more criteria. A terminal location may subsequently be approximated from the set of potential terminal locations.Type: GrantFiled: September 10, 2019Date of Patent: November 7, 2023Assignee: Visa International Service AssociationInventor: Kim R. Wagner
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Patent number: 11756008Abstract: A method of intermediating transactions includes, at an intermediation server: receiving invoice data defining a price payable to a vendor for supplying a product to a customer; extracting, from the invoice data, a vendor identifier corresponding to the vendor; determining, in association with the invoice data, a customer identifier corresponding to the customer; retrieving a payer identifier corresponding to a payer associated with the customer; retrieving, based on at least the payer identifier, a transaction policy; according to the retrieved transaction policy, allocating an eligible portion of the price to the payer identifier, and allocating a remaining portion of the price to the customer identifier; and generating and transmitting payment data for initiating a payment of the eligible portion from the payer to the vendor.Type: GrantFiled: February 3, 2020Date of Patent: September 12, 2023Assignee: AMADEUS S.A.S.Inventors: Maxence Achille Henri Malparty, Nicolas Dominique Marcel Guillon, Jose Vicente Da Cruz, Jean-Pierre Boutherin, Olivier Alexandre Roth
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Patent number: 11727390Abstract: A wallet server includes a processor with hardware. The processor is configured to acquire user information of user terminals carried by users who use a store, and configured to perform payment processing, and to generate group information when payment processing is performed by using a first user terminal. The group information is user information of the first user terminal and a second user terminal. The processor is configured to generate, from information on the payment processing and the group information, consumption information associated with each of the user terminals in a group.Type: GrantFiled: June 3, 2021Date of Patent: August 15, 2023Assignee: TOYOTA JIDOSHA KABUSHIKI KAISHAInventors: Yurika Tanaka, Hideo Hasegawa, Nozomu Yoshioka, Tsuyoshi Takeshita, Shoichiro Suzuki, Kohei Ichihara, Shota Yamamoto, Junya Chikanishi
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Patent number: 11727495Abstract: Systems and methods relate to, inter alia, calculating a collision risk index for an area based upon historical traffic data. The systems and methods may further generate a notification to automatically engage or disengage an autonomous, or semi-autonomous, vehicle control feature in a vehicle based upon the collision risk index for the area. The systems and methods may further transmit the notification to a device of the vehicle to facilitate automatically engaging or disengaging an autonomous, or semi-autonomous, vehicle control feature in the vehicle as the vehicle approaches the area. As a result, vehicle collisions may be reduced, and vehicle safety enhanced.Type: GrantFiled: October 7, 2020Date of Patent: August 15, 2023Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: John A. Nepomuceno, Rajiv C. Shah, Leo Nelson Chan, Steven Cielocha, Roxane Lyons, Matthew S. Megyese, William J. Leise, Jennifer Criswell Kellett, Kristopher Keith Gaudin, Jennifer L. Crawford, Jeremy Myers, Edward P. Matesevac, III
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Patent number: 11710187Abstract: A back-end application computer server may receive a request along with a descriptive term. A look-up process may be performed based on the descriptive term (and hidden terms) may establish a set of potential pre-determined descriptions. The user may select one of the potential descriptions, and a user identifier may be associated with the request. A series of dynamic information exchanges may then help assign a category to the user identifier. A partial set of initial request details may be received from a third-party device and the user may adjust and/or add details to create a complete set. A potential value may then be calculated for the request. An indication of the potential value may be transmitted to the user, and information about the user identifier may be transmitted to a user response terminal to facilitate communication between the user response terminal and the user.Type: GrantFiled: August 20, 2020Date of Patent: July 25, 2023Assignee: HARTFORD FIRE INSURANCE COMPANYInventors: Anand Nagesh Rakshe, Vannak Sin, James Joseph Varney, Jr.
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Patent number: 11710107Abstract: Cryptocurrencies may be used within the current Four Party Model to settle transactions between a merchant and a consumer who may use or accept fiat and/or cryptocurrency. An intermediary wallet entity may assume the risk of cryptocurrency transactions. For example, a fiat-fiat transaction may follow the usual settlement process of the Four Party Model. In a crypto-crypto transaction, settlement may occur in real time. But in a fiat merchant/crypto customer transaction, settlement may be made from the customer's crypto wallet to an intermediary wallet. Fiat settlement would then occur between the intermediary and merchant following the Four Party Model. In a crypto merchant/fiat customer transaction, a transfer may be made from the intermediary wallet to the merchant's crypto wallet. Fiat settlement between the customer's bank (issuer) and intermediary can happen in the usual settlement process.Type: GrantFiled: November 13, 2019Date of Patent: July 25, 2023Assignee: Visa International Service AssociationInventors: Sachin Cherian Mathew, Krishna Nellutla, Thai Binh Do Nguyen, Venkata Ramaiah Bhemineni, Dong Soon Denis Kang