Patents Examined by Kito R Robinson
  • Patent number: 12263848
    Abstract: A method of extending connectivity of a recipient vehicle may be executed by a non-transitory computer-readable medium. During an ignition off state of the recipient vehicle, the method includes disabling a recipient cellular network access device (NAD) of the recipient vehicle and connecting to a low power communications source. The method includes communicating with a centralized location over the low power communications source. The low power communications source may be a recipient Bluetooth® low energy (BLE) within the recipient vehicle. The method may include connecting to a donor vehicle proximate the recipient vehicle. The donor vehicle includes a donor NAD and a donor BLE, such that the donor NAD of the donor vehicle communicates with the centralized location on behalf of the recipient vehicle.
    Type: Grant
    Filed: August 17, 2022
    Date of Patent: April 1, 2025
    Assignee: GM Global Technology Operations LLC
    Inventors: Andrew J. MacDonald, Dipankar Pal, Russell A. Patenaude, Matthew E. Gilbert-Eyres, Eric T. Hosey, Venkata Naga Siva Vikas Vemuri
  • Patent number: 12252147
    Abstract: A method for prompting an evasive maneuver by at least one first autonomous or semi-autonomous vehicle. A vehicle state of the at least one first vehicle is ascertained by a control unit of the at least one first vehicle. Vehicles within a minimum distance are ascertained by the at least one first vehicle. The ascertained data of the at least one first vehicle are transmitted within the minimum distance to ascertained vehicles by the at least one first vehicle in order to prompt an adaptation of a trajectory and/or a speed of the ascertained vehicles. The at least one first vehicle being transferred into a safe state. A system is also provided.
    Type: Grant
    Filed: November 6, 2018
    Date of Patent: March 18, 2025
    Assignee: ROBERT BOSCH GMBH
    Inventor: Marlon Ramon Ewert
  • Patent number: 12246707
    Abstract: A control device for collision avoidance assistance includes a processor. The processor is configured to execute region setting processing for setting an assistance determination region indicating a particular region forward of a vehicle, and to execute accumulation processing in which the processor gives an object a determination value and accumulates the determination value. The object is located in the assistance determination region. The determination value is decided according to the position of the object. The processor is configured to perform collision avoidance assistance control of assisting in avoidance of collision of the vehicle and the object based on driving environment information indicating a driving environment of the vehicle, when a cumulative value regarding the object calculated in the accumulation processing exceeds a predetermined threshold value.
    Type: Grant
    Filed: July 22, 2022
    Date of Patent: March 11, 2025
    Assignee: TOYOTA JIDOSHA KABUSHIKI KAISHA
    Inventors: Kazuyuki Fujita, Minami Sato, Taira Nagashima
  • Patent number: 12243205
    Abstract: A method for avoiding a field of view disturbance for an operator of an object. The field of view disturbance IS caused by the overlay of virtual additional information via a display unit of a transportation vehicle or data glasses. The overlay of additional information supports the operator in the operation of an object. The method carries out an image analysis by which it is checked whether a field of view disturbance is caused by the overlay of the virtual additional information, and a measure for suppressing the field of view disturbance is carried out when a field of view disturbance is detected.
    Type: Grant
    Filed: October 9, 2019
    Date of Patent: March 4, 2025
    Assignee: VOLKSWAGEN AKTIENGESELLSCHAFT
    Inventors: Dorit Foltin, Andreas Gäde, Christian Becker, Sandro Schwertner
  • Patent number: 12229768
    Abstract: One or more processors receive a request for a secure digital asset and execute a validation protocol defined for validating the request. The validation protocol may define conditions for fulfilling the request that include one or more conditions related to information about an identified user requesting the request or information indicative of a routing-aspect of the request. The one or more processors attempt to validate the request based on assessment of the conditions specified in the validation protocol. If validation is unsuccessful, the one or more processors instruct the user to undertake one or more multi-factor authentication actions, which may include choices from a plurality of possible multi-factor authentication options and/or certain required multi-factor authentication options, defined by the protocol. The one or more processors validate and fulfil the request responsive to confirming successful undertaking of the one or more multi-factor authentication actions by the user.
    Type: Grant
    Filed: March 12, 2024
    Date of Patent: February 18, 2025
    Assignee: FRAUD FREE TRANSACTIONS LLC
    Inventor: Michael Sasha John
  • Patent number: 12118530
    Abstract: A method and system are provided for registering, in a database, a transaction between two parties, and for allowing a third party to cause an action to be performed in relation to the transaction. The method comprise a step of creating (s2) a transaction record, steps of electronically signing (s4, s12, s18, s26) the transaction record, steps of registering (s6, s14, s20, s28) the transaction record in the database, steps of issuing a notification (s8, s16, s22) that the transaction record has been registered in the database, steps of verifying (s10, s24) the transaction record by the third party, and a step of causing (s30), by the third party, an action to be performed based on transaction content information.
    Type: Grant
    Filed: November 22, 2017
    Date of Patent: October 15, 2024
    Assignee: SICPA HOLDING SA
    Inventor: Philippe Thevoz
  • Patent number: 12093950
    Abstract: An illustrative fraud deterrent method includes presenting an identity verification option for a first website displayed in a web-browser, the option including offering a login to a third-party website, unrelated to the first website. The method further includes receiving login information for a first user account on the third-party website and verifying the login information through a verification service associated with the third-party website, to verify that the login information is valid for the first user account, identified by the login information. The method additionally includes verifying an identity at the first website, responsive to the verification.
    Type: Grant
    Filed: March 12, 2024
    Date of Patent: September 17, 2024
    Assignee: FRAUD FREE TRANSACTIONS LLC
    Inventor: Michael Sasha John
  • Patent number: 12093998
    Abstract: In some embodiments, one or more user interfaces for facilitating personal payment transactions may be provided. In some embodiments, one or more first interfaces may be generated for a payer to effectuate a personal payment transaction. A location of a user device associated with the payer may be obtained. Based on the obtained location of the user device, one or more suggested payees for presentation on the first interfaces may be provided. An indication of a selected payee (from the suggested payees) may be obtained from the payer via the first interfaces. Options to fund a personal payment to the selected payee may be provided for presentation on the first interfaces. One or more options for routing the personal payment associated with the personal payment transaction may be provided to the payer via the first interfaces.
    Type: Grant
    Filed: September 8, 2022
    Date of Patent: September 17, 2024
    Assignee: Capital One Services, LLC
    Inventors: Gagan Kanjlia, Scott Zimmer, Robert J. Larson, Alexander S. Wilson, Vishal Puri, Jay F. Pober
  • Patent number: 12086804
    Abstract: One or more processors receive a request for a secure digital asset and execute a validation protocol defined for validating the request. The validation protocol may define conditions for fulfilling the request that include one or more conditions related to information about an identified user requesting the request or information indicative of a routing-aspect of the request. The one or more processors attempt to validate the request based on assessment of the conditions specified in the validation protocol. If validation is unsuccessful, the one or more processors instruct the user to undertake one or more multi-factor authentication actions, which may include choices from a plurality of possible multi-factor authentication options and/or certain required multi-factor authentication options, defined by the protocol. The one or more processors validate and fulfil the request responsive to confirming successful undertaking of the one or more multi-factor authentication actions by the user.
    Type: Grant
    Filed: December 13, 2023
    Date of Patent: September 10, 2024
    Inventor: Michael Sasha John
  • Patent number: 12067219
    Abstract: A system and method for allowing a user to manage transactions in an online application. The system includes a back-end server operating the online application and including a processor for processing data and information, a communications interface communicatively coupled to the processor, and a memory device storing data and executable code. When the code is executed, the processor can link a plurality of external bank accounts to the online application, provide a main list of transactions that were made using a credit card, allow a user to selectively move the transactions from the main list to a first list or a second list, and allow the user to pay the transactions in the first list from one of the external bank accounts and pay the transactions in the second list from another one of the external bank accounts.
    Type: Grant
    Filed: December 1, 2022
    Date of Patent: August 20, 2024
    Assignee: TRUIST BANK
    Inventor: Alexis Pastore
  • Patent number: 12067543
    Abstract: A system includes a location identifier device and a computer system. The location identifier is configured to transmit an identifier to a user device when the user device is within a predetermined range of an area and receive location information from the user device associated with a user. The computer system is configured to receive the location information from the user device within the area via the location identifier device and receive a request for an ATM transaction from the user device. The request includes attribute information associated with the user. The computer system is configured to receive attribute information associated with the user comprising an indication of a license plate within the area and identify, based on a determination that the attribute information at least partially matches the attribute information from the request, the user associated with the request.
    Type: Grant
    Filed: July 31, 2023
    Date of Patent: August 20, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Miranda C. Hill, Alicia Y. Moore, Steven E. Puffer, Jerome Rhodes, Susan Symons, Michael R. Thomas, Young M. Yang
  • Patent number: 12067620
    Abstract: Computing apparatus detects and monitors rapid changes in a computer network. The computing apparatus implements delays and other actions to ameliorate potentially adverse effects in the computer network caused by such changes.
    Type: Grant
    Filed: October 28, 2022
    Date of Patent: August 20, 2024
    Assignee: Nasdaq, Inc.
    Inventor: Adam Seth Nunes
  • Patent number: 12045891
    Abstract: A method includes receiving a digital file from a customer, extracting metadata from the file, and verifying the metadata prior to accepting the digital file. The method may include verifying that a representation of a required physical token appears in the digital file.
    Type: Grant
    Filed: August 2, 2022
    Date of Patent: July 23, 2024
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Thomas A. McCall, William D. Bryant, John W. S. Riney, Christopher E. Gay
  • Patent number: 12045817
    Abstract: Systems and techniques for facilitating card authentication technique selection via machine learning are provided. In various embodiments, a processor can access an attribute vector associated with a financial payment card. In various instances, the processor can determine, via execution of a machine learning model, whether to authenticate the financial payment card with a zero-dollar authentication technique or instead with a tokenization authentication technique, based on the attribute vector. In various cases, the processor can execute the zero-dollar authentication technique with respect to the financial payment card, when the processor determines that the financial payment card should be authenticated with the zero-dollar authentication technique.
    Type: Grant
    Filed: July 28, 2023
    Date of Patent: July 23, 2024
    Assignee: PayPal, Inc.
    Inventors: Aditya Jain, Piyush Neupane, Yogesh Krishna Kandlur
  • Patent number: 12039594
    Abstract: A system may include a processor that may receive account information having a plurality of transactions associated with a bank account. The processor may then determine an expected burn rate of funds based on the account information, determine an expected savings balance at a first time based on the account information and the expected burn rate, generate an event in response to the expected savings balance being below a threshold, and send an alert including the event to a computing device associated with the user. The alert may indicate a status of the expected savings balance via an electronic display of the computing device.
    Type: Grant
    Filed: June 7, 2023
    Date of Patent: July 16, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Nathan J. Rowe, Michael Aaron McGlasson, Stephen Holloway, Lea B. Sims, Joseph Wall, Richard R. Rohrbough
  • Patent number: 12039531
    Abstract: Systems and methods are described herein for identifying diminished capacity of a voice call participant based on audio data analysis. A server generates an audio image based on an audio file comprising speech data corresponding to a first user on a voice call. The server determines a diminished capacity score based on one or more characteristics of the audio image analyzed using a deep learning classification model. The server applies a security protocol to an account associated with the first user when the diminished capacity score is at or above a threshold value. The server receives a transaction request corresponding to the account from the first user. The server processes the transaction request based on the security protocol applied to the account.
    Type: Grant
    Filed: April 26, 2023
    Date of Patent: July 16, 2024
    Assignee: FMR LLC
    Inventors: Eoghan Considine, Luella Gergen Wong, Aidan Fogarty, Rosaleen Gilligan, Shane Tully, Eamonn Fox, Seemanthini Jois, Jenson Joy
  • Patent number: 12039518
    Abstract: The present application provides a method for implementing a middleware based on EMV, a terminal device, and a computer-readable storage medium. The method includes: establishing a middleware based on EMV L2, wherein the middleware provides a first interface for an upper-layer application of the terminal device to call; after the middleware receives a calling request for the first interface sent by the upper-layer application according to detected information of a IC card, calling an interface of an Entry library according to the calling request to obtain a return result of the Entry library, wherein the return result of the Entry library comprises an application identifier of the IC card; and determining an EMV L2 library matching the IC card based on the application identifier, and calling an interface of the EMV L2 library matching the IC card, to complete a contactless process with the IC card.
    Type: Grant
    Filed: July 17, 2019
    Date of Patent: July 16, 2024
    Assignee: PAX COMPUTER TECHNOLOGY (SHENZHEN) CO., LTD.
    Inventors: Luzhuang Wang, Youren Chen
  • Patent number: 12014340
    Abstract: A method includes receiving a lockbox transaction order associated with an account of the provider from a first user device where the lockbox transaction order includes a requested transaction and a desired transaction location, validating whether the requested transaction can be completed at the desired transaction location, determining a physical lockbox associated with the provider from a plurality of physical lockboxes at an alternative lockbox transaction location based on determining that the lockbox transaction order cannot be completed at the desired transaction location, transmitting an indication to a user device indicating that the requested transaction can be completed at the alternative lockbox transaction location, preparing the physical lockbox for the requested transaction, and authenticating a user at the physical lockbox where authenticating the user at the physical lockbox enables the physical lockbox to unlock and become accessible by the user.
    Type: Grant
    Filed: May 10, 2023
    Date of Patent: June 18, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Darren M. Goetz, Miranda C. Hill, Dennis E. Montenegro, Alicia Y. Moore, Susan Symons, Timothy R. Ward
  • Patent number: 12014370
    Abstract: The present invention provides a processing apparatus (10) including: a registration unit (12) that recognizes, based on image processing, product discrimination information of a product picked up from a product placing space, and registers the recognized product discrimination information in association with customer discrimination information; and a settlement unit (13) that executes, when it is detected, based on image processing, that a customer having picked up the product performs a predetermined action, a settlement based on a registration content resulting from the registration unit (12).
    Type: Grant
    Filed: January 23, 2020
    Date of Patent: June 18, 2024
    Assignee: NEC CORPORATION
    Inventors: Kan Arai, Azusa Furukawa, Kei Shibuya, Hiroshi Hashimoto, Makiko Akiguchi, Ken Hanazawa
  • Patent number: 11995714
    Abstract: Systems and methods for implementing a machine learning loan portfolio loss forecasting system are provided. A current state of active loans of a loan portfolio during a first time period of a set of time periods may be determined. For each of the set of time periods, a roll rate of the active loans from each delinquency state to a subsequent delinquency state may be determined based on historical data of the loan portfolio. The machine learning model may then, iteratively, for each subsequent time period, determine a percentage of the active loans that will transition to each of the set of delinquency states during the subsequent time period based on a current state of the active loans during a previous time period and the roll rate from each delinquency state to a subsequent delinquency state for the subsequent time period.
    Type: Grant
    Filed: September 14, 2021
    Date of Patent: May 28, 2024
    Assignee: STRIPE, INC.
    Inventors: Mengjie Ding, Bo Xu, Yaakov Erlichman