Patents Examined by Kirsten S Apple
  • Patent number: 10402897
    Abstract: A system and method for redirecting a financial transaction from one account held by a customer at a first issuer to a second account held by the customer at a second issuer comprising receiving a customer request for redirection, identifying the second account to which transactions should be redirected, providing redirection information to a transaction entity, receiving terms for a financial transaction, and performing the financial transaction with respect to the second account.
    Type: Grant
    Filed: December 12, 2007
    Date of Patent: September 3, 2019
    Inventors: Tad Czyzewski, Jeffrey J. Waldin, Bill Biggins, Christopher R. Burks, Vinod Shenai
  • Patent number: 10402817
    Abstract: A device may receive an authorization request, associated with a transaction made by a user device as part of a checkout procedure of a website, that includes a virtual transaction card identifier of a virtual transaction card that is being used for the transaction, and a first merchant identifier for a merchant associated with the website. The device may perform a first authorization procedure to determine whether the first merchant identifier, included in the authorization request, satisfies a threshold level of similarity with a second merchant identifier associated with a request to generate the virtual transaction card that occurred prior to receiving the authorization request. The device may determine whether to forego a second authorization procedure based on a result of the first authorization procedure, and cause an authorization response, that includes an indication of whether the transaction is approved, to be provided to another device associated with the merchant.
    Type: Grant
    Filed: October 12, 2018
    Date of Patent: September 3, 2019
    Assignee: Capital One Services, LLC
    Inventors: Abdelkadar M'Hamed Benkreira, Joshua Edwards, Adam Vukich
  • Patent number: 10387853
    Abstract: Strategies, tools and techniques for establishing purchase cards for customers of a financial institution are provided. A primary purchase card can be established for a customer in association with at least one account of the financial institution. Also, at least one secondary purchase card can be established for the customer in addition to the primary purchase card. The secondary purchase card can be linked to the primary purchase card and to at least one of the same accounts associated with the primary purchase card. Customer configuration of various rules for the secondary purchase card can be facilitated, such as rules that govern purchase limits, activation parameters, deactivation parameters, and/or automatic replenishment schedules for the secondary purchase card.
    Type: Grant
    Filed: January 19, 2010
    Date of Patent: August 20, 2019
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Michael Scott Ley, Christine Johns, Bryan L. Mackrell, Michael Aaron Chapman, Hyun Jin Ko
  • Patent number: 10380681
    Abstract: In certain embodiments, a system for real-time overdraft detection includes one or more processors operable to: determine a deposit financial institution and deposit account based on the received check data, determine a debit financial institution and debit account based on the received check data, determine that the deposit financial institution and the debit financial institution are member financial institutions, determine a debit amount based on received check data, determine that the debit account matches an account associated with received account data, and determine that the debit amount exceeds an approved debit amount; the one or more interfaces further operable to communicate a declined transaction notification to the deposit account holder in response to determining that the debit amount exceeds the approved debit amount, the declined transaction notification notifying the deposit account holder that the debit amount cannot be credited to the deposit account holder.
    Type: Grant
    Filed: September 8, 2015
    Date of Patent: August 13, 2019
    Assignee: Bank of America Corporation
    Inventors: Charles R. Kendall, Joseph B. Castinado, Bonnie L. Dolan
  • Patent number: 10380578
    Abstract: Methods and systems are disclosed for providing Near Field Communications. In certain embodiments, an Android mobile operating system based mobile device is configured with software that, when executed by one or more processors, determines whether the mobile device is to perform an NFC communication with a contactless payment terminal (CPT) using a secure element associated with an NFC controller included in the mobile device. Based on the determination, the mobile device is configured to execute software that performs communications with the CPT using the NFC controller.
    Type: Grant
    Filed: November 15, 2017
    Date of Patent: August 13, 2019
    Inventor: Panayiotis Varvarezis
  • Patent number: 10373246
    Abstract: Example embodiments of the present invention may include a method and apparatus configured to authenticate a user transaction (e.g., point-of-sale, ATM transactions, etc.). One example method may include receiving user authentication information during the user transaction and confirming the user authentication information is correct. The method may also include determining a current user location by a location associated with the user's mobile device, and comparing the current user location to a known location of an entity associated with the user transaction. The method may also include authenticating the transaction if the current user location is within a predetermined distance of the known location of the entity associated with the user transaction.
    Type: Grant
    Filed: December 6, 2011
    Date of Patent: August 6, 2019
    Inventors: Jason H. Groenjes, Michael P. Brown, Gerald M. Price
  • Patent number: 10346823
    Abstract: Methods and systems for activating an electronic payments infrastructure employ, for example, a token consisting at least in part of a unique identifier assigned to an inactive header account which is provided on a customer's electronic device. The unique identifier is processable via a transaction processing network. A request, which includes customer information, is received to verify that activation of the header account for the customer is compliant with predefined customer identification rules. A determination is made that activation of the header account for the customer is compliant with the predefined customer identification rules. An activation message is sent to the customer's device using the interface processor, the header account is linked to a digital wallet on a database, and the customer's designation of a source account for the digital wallet is received on the database. The header account can be used in transactions with either on-us or off-us source accounts.
    Type: Grant
    Filed: August 12, 2011
    Date of Patent: July 9, 2019
    Assignee: CITIBANK, N.A.
    Inventors: Gary Greenwald, Dickson Chu
  • Patent number: 10346841
    Abstract: An example transaction card may include a sensor to measure movement of the transaction card and one or more processors to monitor the movement of the transaction card via the sensor during a tracking period; determine measurements of a gait of a user during the tracking period from the movement of the transaction card during the tracking period; compare the measurements of the gait of the user during the tracking period and a gait signature associated with the transaction card; and/or perform an action associated with the transaction card based on a result of comparing the measurements of the gait of the user during the tracking period and the gait signature.
    Type: Grant
    Filed: October 16, 2017
    Date of Patent: July 9, 2019
    Assignee: Capital One Services, LLC
    Inventors: Adam Koeppel, Saleem Sangi, Robert Perry, Kevin Kelly
  • Patent number: 10348805
    Abstract: Systems, methods and computer programs for transferring data in a communication system are described. The communication system has a first node arranged to send data to a plurality of second nodes using a first protocol. The first protocol allows the transfer of data of a first type. At least one of the second nodes additionally requires data of a second type, which is not included in the data sent according to the first protocol. First data, of the first type, is transferred to a plurality of the second nodes using the first protocol. Second data, of the second type, is stored in a memory. Subsequently, in response to a request, access to the second data is provided to the second node.
    Type: Grant
    Filed: September 18, 2015
    Date of Patent: July 9, 2019
    Assignee: Visa Europe Limited
    Inventor: Boris Taratine
  • Patent number: 10346924
    Abstract: A property analyzer device may include (1) a receiver configured to receive property identification information from a mobile device, the received property identification information including a picture of the property and/or a property location; (2) a retriever configured to retrieve property-related information from multiple property sources (such as public record databases, websites, or an internal company database) based upon the received property identification information; (3) a processor configured to consolidate the retrieved property-related information into a consolidated property-related image of the property; and (4) a transmitter configured to transmit the consolidated property-related image to the mobile device for review by a user.
    Type: Grant
    Filed: August 22, 2016
    Date of Patent: July 9, 2019
    Inventors: Amy Engelhorn, Timothy Joel Davis, Joanna Salata, Dijon Schroff, Justin Devore, Sarah Kirby
  • Patent number: 10319039
    Abstract: Methods and systems for determining fault for an accident involving a vehicle having one or more autonomous (and/or semi-autonomous) operation features are provided. According to certain aspects, operating data from sensors within or near the vehicle may be used to determine fault for a vehicle accident, such as a collision. The operating data may include information regarding use of the features at the time of the accident and may further be used to determine an allocation of fault for the accident between a vehicle operator, the autonomous operation features, or a third party. The allocation of fault may be used to determine and/or adjust coverage levels for an insurance policy associated with the vehicle. The allocation of fault may further be used to adjust risk levels or profiles associated with the vehicle operator or with the autonomous operation features.
    Type: Grant
    Filed: November 25, 2015
    Date of Patent: June 11, 2019
    Inventors: Blake Konrardy, Scott T. Christensen, Gregory Hayward, Scott Farris
  • Patent number: 10296977
    Abstract: A computer-implemented method provides information about a financed, leased or insured vehicle having an onboard wireless-enabled usage reporting device for computing a risk associated with a financing, leasing or insurance obligation. The method entails receiving data from a remote computer to set parameters to be used by the device installed in the vehicle to measure real-time vehicle usage, computing on the device a confidence score based on the parameters and storing the confidence score in the device, the confidence score being indicative of a risk associated with the financing, leasing or insurance obligation of the vehicle, transferring the confidence score or information relating to the confidence score from the device to the remote computer in response to a command from the remote computer or automatically based on a predefined criterion, and displaying the confidence score to indicate the risk associated with the financing, leasing or insurance obligation.
    Type: Grant
    Filed: January 17, 2012
    Date of Patent: May 21, 2019
    Inventor: Guy Chevrette
  • Patent number: 10282709
    Abstract: Embodiments of the invention are directed to systems and methods for stand-in processing using data driven capabilities. Transaction activity of an issuer may be monitored to detect a major incident and to automatically invoke stand-in processing. By modeling each individual account holder's behavior, improved authorization outcomes may be provided by a payment processing network during stand-in processing.
    Type: Grant
    Filed: April 7, 2014
    Date of Patent: May 7, 2019
    Assignee: Visa International Service Association
    Inventors: Gourab Basu, Steven Cracknell, Michael Mori
  • Patent number: 10262358
    Abstract: A computer-implemented method of maintaining continuity of transaction data associated with a merchant within a payment card network includes identifying new merchant IDs and associated new merchant information from a database, the new merchant IDs and associated new transactions generated after a predetermined timestamp; and identifying discontinued merchant IDs and associated discontinued merchant information from the database, the discontinued merchant IDs associated only with older transactions generated before the predetermined timestamp and thus appearing to have been discontinued after the predetermined timestamp.
    Type: Grant
    Filed: May 2, 2013
    Date of Patent: April 16, 2019
    Inventors: Steve Oshry, Justin Xavier Howe
  • Patent number: 10255635
    Abstract: Systems, methods, and program products for providing an exchange traded product holding digital math-based assets are disclosed. Shares based on digital math-based assets may be created using one or more computers by determining share price information based upon quantities of digital math-based assets held by a trust, electronically receiving a request from an authorized participant user device to purchase a quantity of shares, electronically transmitting a quantity of digital math-based assets to one or more destination digital asset accounts for receipt of digital math-based assets from the authorized participant based on the determined share price information and the requested quantity of shares, and electronically issuing shares to the authorized participant.
    Type: Grant
    Filed: May 7, 2018
    Date of Patent: April 9, 2019
    Assignee: Winklevoss IP, LLC
    Inventors: Cameron Howard Winklevoss, Tyler Howard Winklevoss, Evan Louis Greebel, Kathleen Hill Moriarty, Gregory Elias Xethalis
  • Patent number: 10255598
    Abstract: A credit account extraction system is configured to identify account information in credit data associated with a consumer and populate a digital wallet of the consumer with the identified financial card information. The financial card information may then be used by online retailers, for example, to expedite transaction completion.
    Type: Grant
    Filed: December 6, 2012
    Date of Patent: April 9, 2019
    Assignee:, Inc.
    Inventors: Michael John Dean, Mark Joseph Kapczynski
  • Patent number: 10248935
    Abstract: The disclosed technology includes a plurality of driverless mobile automated teller machines (ATMs), a communication interface configured to receive, from a user device, a request for a driverless mobile ATM to complete facilitate a transaction, a location processor configured to determine a first driverless mobile ATM of the plurality of driverless mobile ATMs that is closest to the user device, wherein the communication interface is further configured to transmit, to the first driverless mobile ATM, an alert including the request such that the first driverless mobile ATM can provide cash to a user associated with the user device or can receive cash or a check from the user, and a transaction processor of a backend system of the financial institution configured to process the transaction.
    Type: Grant
    Filed: September 23, 2015
    Date of Patent: April 2, 2019
    Inventors: Brian DeLuca, Harish Chavan, Jamie Warder, Max Doerfler, III, William Grisaitis, Mayank Pande, Robert Kania
  • Patent number: 10223678
    Abstract: In one example embodiment, an end device includes a touch screen configured to: display a plurality of icons that are respectively associated with a plurality of asset transaction entities, and receive a touch input with respect to at least two icons among the plurality of icons; a processor configured to translate the touch input into an asset transaction request that initiates execution of an asset transaction between at least two asset transaction entities among the plurality of asset transaction entities; and a transmitter configured to transmit the asset transaction request to a service provider.
    Type: Grant
    Filed: July 30, 2013
    Date of Patent: March 5, 2019
    Assignee: KT CORPORATION
    Inventor: Jong-han Park
  • Patent number: 10217108
    Abstract: A system includes an information wallet account associated with a user of the system, and a server having a memory and a processor. The processor is configured to receive a request for information, wherein the requested information is associated with the user, and retrieve a stored portion of the requested information from the information wallet account. If a portion of the requested information is not found within the information wallet account, the processor is configured to send a request for a remaining portion of the requested information to a user computing device of the user. The processor is also configured to send the requested information to an entity computing system associated with the entity as part of a transaction between the user and the entity, receive feedback from the entity computing system based on the transaction, and send an alert to the user computing system based on the feedback.
    Type: Grant
    Filed: March 3, 2014
    Date of Patent: February 26, 2019
    Assignee: WELLS FARGO BANK, N.A.
    Inventor: Al Hecht
  • Patent number: 10198773
    Abstract: In an approach to cooperative evidence gathering, a first computing device receives a request for data corresponding to an event, where a second computing device detecting the event initiates the request for data. The first computing device aggregates data from one or more sensors, the one or more sensors associated with one or more first computing devices within a proximity of a location of the event. The first computing device determines whether at least a portion of the aggregated data is applicable to the event.
    Type: Grant
    Filed: September 11, 2015
    Date of Patent: February 5, 2019
    Assignee: International Business Machines Corporation
    Inventors: Justin G. Manweiler, Jan S. Rellermeyer, Eric J. Rozner, James Xenidis