Patents Examined by Joseph W King
  • Patent number: 11961136
    Abstract: Various embodiments are directed to processing and executing digital asset transfers between two users. An example method includes receiving a data object defining a digital asset transfer, and the data object may be a query from the first user to initiate an outbound transfer to a second user or an approval of a request for digital asset units from the second user. The method further includes retrieving account balance data objects associated with the digital asset accounts for the first and second users. The method further includes, responsive to determining that the digital asset transfer satisfies one or more transfer conditions, executing the digital asset transfer by executing a closed-loop debit from the first user and executing a closed-loop credit to the second user. The method further includes updating the account balance data object to reflect the resulting balances of each digital asset account.
    Type: Grant
    Filed: August 20, 2021
    Date of Patent: April 16, 2024
    Inventors: Nicolas Frederic Cabrera, Jeffrey Scott Pittelkau, Nikolais Linsteadt, Joseph Arthur Revnes, Brian Daniel Cooper, William Matthau, Christopher Michael Petersen, Yamini Bistesh Sagar, Utkarsh Agarwal, Tim Kuchlein, Bharath Lakshmanan, William Andrew Bryant, Stephen Paul Saucier, Deepak Kumar, Anil Jaiswal, Byungkwon Jeon, Balaji Devarasetty
  • Patent number: 11954660
    Abstract: The invention introduces a method and system designed to augment sports fans' experience and simultaneously generate revenue for athletes. It involves a computerized platform for storing and accessing videos, which contain athletes sharing insights about their competitive season in sports like games, matches, or meets. The access to these videos is facilitated through either a URL for online viewing or a QR code embedded in a digital or printed format. A unique feature of this system is the video view availability monitoring display/selection grid. This grid showcases images of fans' favorite athletes on one axis and the corresponding games, matches, or meets on another, allowing users to easily select and view their preferred content. Athletes have the ability to upload multiple videos for the same event, with each video distinctly labeled with time, date, and explanatory notes.
    Type: Grant
    Filed: December 10, 2023
    Date of Patent: April 9, 2024
    Inventor: James E. Beecham
  • Patent number: 11954730
    Abstract: A merchant system structures communications among merchants, partners, and customers. The merchant system may include a messaging component that organizes messages so that a manager can quickly navigate and understand the content of incoming messages. The messaging system also may categorize a user's profile so that a user may share profile information established at a first merchant with a second merchant.
    Type: Grant
    Filed: January 27, 2023
    Date of Patent: April 9, 2024
    Assignee: LIVINGSOCIAL, INC.
    Inventors: Eric Laird, Cara Maggioni, Kerry Lenahan, Timothy McCann
  • Patent number: 11954670
    Abstract: A method, user device, and computer-readable storage media for registering and activating accounts is provided. One method includes transmitting a first input from a user regarding opening an account at an institution, establishing a communication session based on exchanging encryption keys between the user device and the computing system, in response to establishing the communication session, automatically installing a client application, displaying, via the client application, a graphical user interface (GUI) including a request for a user verification, transmitting, via the communication session, a received user verification, receiving a second input to add the account a mobile wallet on the user device, prompting the user for a value regarding the account, and receiving and storing, via the communication session, a payment token for transactions via the mobile wallet before a physical card associated with the account of the computing system is received.
    Type: Grant
    Filed: November 14, 2022
    Date of Patent: April 9, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ashish B. Kurani, Jenny Y. Tao, Katherine M. Yee
  • Patent number: 11948136
    Abstract: An ATM is configured to interact with a mobile device and provide user access to one or more of the banking services available at the ATM using the mobile device. Banking-related information may be viewed and/or input at the ATM using the mobile device. The ATM may have multiple vertical levels of deposit slots, withdrawal trays and/or receipt dispensers. A level at the ATM at which the user interacts with the ATM for deposits, withdrawals, or receipts may be selected. The level may be specified by the user of the mobile device, at the ATM or using the mobile device, or may be determined by the ATM.
    Type: Grant
    Filed: October 13, 2022
    Date of Patent: April 2, 2024
    Assignee: Bank of America Corporation
    Inventors: Arjun Thimmareddy, Bryan T. King, Alexander S. Lee, Vaishnavi Varma, Tony Aidoo, Paula M. Booze, Ramesh B. Chandanala, William R. Conrad, Juliet Abdul-Aziz, Gerard P. Gay
  • Patent number: 11948147
    Abstract: Techniques are provided for fallback authorization routing. A merchant processor may receive authorization requests from one or more merchant systems. These authorization requests may be to authorize a transaction. The merchant processor may transmit these authorization requests over a first communication channel to an acquirer processor, which may then forward the requests to a payment network. If the merchant processor determines that the acquirer processor is not receiving the authorization requests, or is otherwise unavailable, the merchant processor may, as a fallback, transmit the authorization requests directly to the payment network through a second communication channel, thereby bypassing the acquirer processor. When the merchant processor receives some indication that the acquirer processor is available to process authorization requests, new authorization requests can be transmitted to the acquirer processor via the first communication channel.
    Type: Grant
    Filed: January 20, 2022
    Date of Patent: April 2, 2024
    Inventors: Robert Dean McLaughlin, Balakrishnan Kannikeswaran, Biju Abraham, Roshin Joseph
  • Patent number: 11941631
    Abstract: A first user device may receive, from a second user device, a request to communicatively couple to the first user device, and may establish a communication session with the second user device after receiving the request. The first user device may identify, after establishing the communication session, an inappropriate activity of the second user device relating to the communication session, and perform a set of actions based on identifying the inappropriate activity. The set of actions may include causing the communication session to be restricted, and providing, to a trust platform, a score for the second user device. The score may permit the trust platform to derive a composite score, indicative of a level of trustworthiness of the second user device, that enables other user devices, associated with the trust platform, to determine whether to grant access requests submitted by the second user device.
    Type: Grant
    Filed: March 5, 2019
    Date of Patent: March 26, 2024
    Assignee: Capital One Services, LLC
    Inventors: Lawrence Hutchison Douglas, Jr., Yolanda Liu, Clayton Johnson
  • Patent number: 11935032
    Abstract: The present disclosure relates to a method for conducting a transaction while in proximity of a local retail network operated by a retail point of sale comprising: a) receiving an identification signal related to one or more media identifiers associated with a media control device and from a user mobile device, wherein the user mobile device is connected to a first network; b) transmitting data to the user mobile device to render a media control interface on the user mobile device; c) receiving one or more instruction signals from the user mobile device, wherein the one or more instruction signals are related to one or more outputs of one or more media devices in proximity to the user mobile device; d) transmitting the one or more instruction signals to a media control device, such that the media control device instructs the one or more media devices to generate the one or more outputs; e) disabling a connection between the user mobile device and the media control device based upon occurrence of a pre-determi
    Type: Grant
    Filed: October 28, 2022
    Date of Patent: March 19, 2024
    Assignee: NERDY BUNNY I, LLC
    Inventors: Victor Nemirovsky, Itai Ben-Gal
  • Patent number: 11935124
    Abstract: A method and system for associating information regarding an object with image objects is disclosed, wherein each image object is a visual data containers including an image associated with the object and data items relating to the object. A user may interact with a graphical user interface to create, modify, and associate image objects by means of the associated images. Information regarding the objects may be associated therewith by means of the image objects, and image objects may be associated with other image objects to generate associations between information regarding the underlying objects. Information regarding other image objects or the associated image may be used to determine information regarding the object, which may be associated with the image object. In some embodiments, associating two or more image objects may associate the underlying objects for purposes of insurance policies or may generate a new insurance policy based on the image objects.
    Type: Grant
    Filed: November 9, 2020
    Date of Patent: March 19, 2024
    Inventor: Amy Engelhorn
  • Patent number: 11915317
    Abstract: A system and method are provided for settlement and delivery of cash settled futures contracts overlying open-ended mutual fund shares with optional delivery of mutual fund shares when physical settlement is elected. On the last date of the contract, a party which has an open position in the contract tenders the clearing organization a request to elect optional physical settlement of a specified number of shares of the mutual fund in additional to the standard cash settlement of those contracts. The clearing organization, upon acceptance and when it is certain of the requestor's final position in the futures contract, it processes the election request against the requestor's final position and possibly submits an order on behalf of the requestor to the investment company which manages the mutual fund to purchase or redeem shares of the open-ended mutual fund in a quantity roughly the size of the requestor's final contract position.
    Type: Grant
    Filed: August 23, 2023
    Date of Patent: February 27, 2024
    Assignee: NYSE Chicago, Inc.
    Inventor: Steven I. Givot
  • Patent number: 11908009
    Abstract: Methods and systems are disclosed for determining changes or revisions to a set of data and providing a user with a computerized graphical depiction of these changes through the use of multiple geometric shapes, the positioning of which shapes relative to one another and the size of which shapes relative to one another depict the changes to the user.
    Type: Grant
    Filed: August 20, 2021
    Date of Patent: February 20, 2024
    Assignee: CFPH, LLC
    Inventors: Todd Berlent, Jeffrey Stephens, Luis Fernandez
  • Patent number: 11908021
    Abstract: A computer-implemented method includes presenting, by a workbench application, a first user interface that includes a notes field in which free-form text may be entered by the user, receiving, by the workbench application, free-form text that the user entered in the notes field, analyzing, by the workbench application, the free-form text to identify relevant keyword(s), and presenting a second user interface for a data reporting application. The method also includes identifying, by the workbench application, one or more data entry fields of the second user interface corresponding to the keyword(s), automatically populating, by the workbench application and via an API, the one or more data entry fields of the second user interface based upon the one or more keywords, and causing, by the workbench application via the API, the linked data reporting application to store data for the one or more data entry fields in a data storage record.
    Type: Grant
    Filed: August 31, 2022
    Date of Patent: February 20, 2024
    Inventors: John H. Jenkins, Andrew J. Feit, Christina M. Boring, Chadd Eugene Grove, Brent D. Hellewell, Beth Craig, Kevin Stuepfert, Robert S. Loy, Scott M. Wirtjes, Scott E. Lackey, Manuela Holt, David Kuriyan Schuster, Jeremy M. Miller
  • Patent number: 11900342
    Abstract: A computer-implemented control system and method for data allocating of a plurality of sharing database files having share amounts based on a plurality of requests from a plurality of receiving devices of a direct sharing network and method for displaying and initiating transfer according to the allocating component. A display device and user input device displays sending elements, receiving elements, and share components in a location-specific manner. The allocating component determines the allocating of shares between the plurality of user sending devices to the plurality of user receiving devices. Allocating may proceed in an iterative process using multiple steps, over different time frames, for increasing the speed of sharing through the direct sharing network.
    Type: Grant
    Filed: January 13, 2021
    Date of Patent: February 13, 2024
    Assignee: Samaritan Ministries International
    Inventors: Bryan Rudolph, David Allen Eskridge, Travis Unruh, Seth A. Ben-Ezra, Jared Rauh, Brian Phillips, Chad Fleck, Austin Knobloch, Wayne Black, Ben Bolen
  • Patent number: 11900359
    Abstract: The ELECTRONIC WALLET CHECKOUT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“EWCP”) transform customer purchase requests triggering electronic wallet applications via EWCP components into electronic purchase confirmation and receipts. In one implementation, the EWCP receives a merchant payment request, and determines a payment protocol handler associated with the merchant payment request. The EWCP instantiates a wallet application via the payment protocol handler. The EWCP obtains a payment method selection via the wallet application, wherein the selected payment method is one of a credit card, a debit card, a gift card selected from an electronic wallet, and sends a transaction execution request for a transaction associated with the merchant payment request. Also, the EWCP receives a purchase response to the transaction execution request, and outputs purchase response information derived from the received purchase response.
    Type: Grant
    Filed: May 17, 2021
    Date of Patent: February 13, 2024
    Assignee: Visa International Service Association
    Inventor: Avinash Kalgi
  • Patent number: 11880822
    Abstract: A computer-implemented method allows initiating activation in augmented reality of an un-activated physical token. The method includes displaying an augmented reality version of an environment including the physical token. Displaying the augmented reality version of the environment includes capturing an image of a portion of the environment including the physical token; presenting a display of augmented reality corresponding to the portion of the environment by compositing the image of the portion of the environment with a graphical, interactive user interface control, the user interface control positioned in a defined position in augmented reality relative to the physical token. The method further includes, responsive to receipt of input corresponding to an interaction with the user interface control, initiating activation of the physical token. Related computer systems and computer-readable media are also disclosed.
    Type: Grant
    Filed: December 29, 2020
    Date of Patent: January 23, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Levi Sutter, Miguel Navarro
  • Patent number: 11875355
    Abstract: A computer-implemented method for real-time transaction fraud vetting, including: receiving a transaction record including real-time transaction data and a key identifying a transacting entity; matching the key to a plurality of profiles of the transacting entity, each of the plurality of profiles including a data attribute; accessing a datapoint for each of the plurality of profiles, each datapoint representing a standard for the corresponding data attribute computed from historical transaction records of the transacting entity; assessing whether deviation of the real-time transaction data from each datapoint exceeds a corresponding threshold; incrementing a transaction risk corresponding to the transaction record for each deviation from one of the datapoints that exceeds the corresponding threshold; outputting a fraud score based at least in part on the transaction risk; and updating at least one datapoint based on the corresponding real-time transaction data to generate an updated datapoint set for the plu
    Type: Grant
    Filed: August 19, 2022
    Date of Patent: January 16, 2024
    Assignee: Brighterion, Inc.
    Inventor: Akli Adjaoute
  • Patent number: 11853994
    Abstract: A computer-implemented method for partitioning mobile device transactions may include generating a machine-readable indicia encoded with transaction data for a transaction between a merchant and at least one user; receiving a transaction request message including the transaction value and a split payment identifier; initiating a programmatic timer for a time interval in response to receiving the transaction request message from the first mobile device; receiving at least one additional transaction request message prior to expiration of the time interval; partitioning the transaction value between each of the first user account and the at least one other user account based at least partially on the transaction request message; and generating a separate authorization request message for each of the first user account and the at least one other user account, each authorization request message including a partial transaction value representing a portion of the transaction value.
    Type: Grant
    Filed: March 30, 2022
    Date of Patent: December 26, 2023
    Assignee: Visa International Service Association
    Inventors: Prasanth Yeddula, Ashwini Laxminarayana Tantry
  • Patent number: 11847629
    Abstract: Disclosed are various embodiments for resilient workflows dependent on external computing systems. In one embodiment, one or more steps in a workflow are determined to invoke a request to an external computing system. Availability information for the external computing system is determined. The external computing system is detected to be potentially unavailable before a request within a workflow is submitted via an application programming interface (API) for processing by the external computing system. An indication is provided that an integration with the external computing system is unavailable in response to detecting that the external computing system is potentially unavailable.
    Type: Grant
    Filed: September 16, 2021
    Date of Patent: December 19, 2023
    Assignee: Amazon Technologies, Inc.
    Inventors: Uttaresh Mehta, Lakhshya Bansal, Sriram Chandrasekaran, Karthik Seetharaman
  • Patent number: 11842397
    Abstract: The disclosed embodiments relate to communication of messages from a database to participants whereby messages, or at least a portion of the content thereof, indicative of changes in the database, due to one or more transactions between two or more participants, are structured so as to reduce redundant data therein and prioritize the transmission of that portion of the message which summarizes the event and result thereof. Further, these event reporting messages may further consolidate, or otherwise be combined with, the corresponding directed reporting messages communicated to the particular participants participating in the reported transaction while preserving the anonymity of those participants to which messages are particularly directed.
    Type: Grant
    Filed: February 24, 2022
    Date of Patent: December 12, 2023
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Paul Callaway, Fritz Caskey, Dennis Genetski, Pearce Peck-Walden, José Antonio Acuña-Rohter, Priteshkumar Soni, Rosa Frenkel
  • Patent number: 11836771
    Abstract: A system and a method are provided for generating a digital receipt for purchases made utilizing a digital wallet or with other payment procedures. The digital receipt is stored in the cloud in a digital receipts repository for later retrieval. The digital receipt can be standardized to facilitate data processing of the data contained in data fields of the digital receipt. The data fields are text/field searchable and actionable so that the receipts and the data therein can be viewed in any manner desired by the user of the digital wallet.
    Type: Grant
    Filed: March 1, 2022
    Date of Patent: December 5, 2023
    Inventors: Pia Maenpaa, Joshua Kessler, Jaclyn Moore, John Dallesandro, Laurie Chiola, Erin Kieran