Patents Examined by Ojo O. Oyebisi
  • Patent number: 10268991
    Abstract: Examples of systems and methods are described for managing payment transaction requests. A request for payment may be received and then routed to one or more payment processors. For a given request, more than one payment processor may be used. The particular payment processor selected for processing the payment may be based on a decision rule that is associated with the more than one payment processor. A decision engine may utilize the decision rule, select a payment processor, and process the payment with the selected payment processor.
    Type: Grant
    Filed: September 26, 2011
    Date of Patent: April 23, 2019
    Assignee: Amazon Technologies, Inc.
    Inventor: Alan G. Davison
  • Patent number: 10255588
    Abstract: A financial transaction system between a customer and a financial institution that facilitates use of a mobile wireless device at an ATM in lieu of an ATM card provides for a central system, a portable wireless device of the customer, an automated teller machine (ATM), an ATM identification on an ATM identification tag. The portable wireless device has an interface that is able to read the ATM identification. The central system, the portable wireless device, and the ATM communicate on a global computer network and the portable wireless device is used to conduct a financial transaction with the ATM in lieu of a bankcard of the financial institution.
    Type: Grant
    Filed: December 17, 2010
    Date of Patent: April 9, 2019
    Inventor: Tara Chand Singhal
  • Patent number: 10255591
    Abstract: A central platform provides proxy dynamic values for any one of a number of a cardholder's portable payment devices, upon a request for such information made during a transaction. The proxy dynamic value can be provided to the merchant, who then can route it into the acceptance network in order to initiate the authentication process. The central platform provides the actual primary account number associated with the proxy dynamic value during the authentication process.
    Type: Grant
    Filed: December 7, 2010
    Date of Patent: April 9, 2019
    Assignee: Visa International Service Association
    Inventors: Oleg Makhotin, Tom Purves, Chris Gardner
  • Patent number: 10223743
    Abstract: A communication system may include a transaction terminal configured to perform a transaction based upon receiving account information, a first NFC device(s), and a mobile wireless communication device. The mobile device may include a second NFC device configured to communicate with the first NFC device(s) upon being swiped therewith, a memory configured to store account information associated with different accounts and store respective account swipe patterns for the different accounts, where each account swipe pattern comprising at least one of a set time or a set number of swipes, and a controller. The controller may be configured to detect a swipe pattern, determine whether the detected swipe pattern corresponds to one of the plurality of stored account swipe patterns, determine a respective account based upon the determined corresponding stored account swipe pattern, and communicate the associated account information for the determined respective account to the transaction terminal.
    Type: Grant
    Filed: March 29, 2011
    Date of Patent: March 5, 2019
    Assignee: BlackBerry Limited
    Inventors: David Ryan Walker, Vahid Moosavi
  • Patent number: 10217110
    Abstract: Techniques and arrangements for providing payment protection to merchants who utilize point-of-sale (POS) devices that are configured to conduct transactions in both online and offline modes. In an offline mode, a POS device of a merchant stores information regarding a payment instrument used in a transaction between the merchant and a customer, for later sending of the information to a payment service for authorization of the payment instrument when the POS device is in the online mode. The described techniques protect the merchant in a situation where a payment instrument used in an offline transaction is later declined, by providing payment to the merchant for at least a portion of the cost associated with the transaction.
    Type: Grant
    Filed: May 9, 2014
    Date of Patent: February 26, 2019
    Assignee: Square, Inc.
    Inventors: Grace Huey Chen, Christopher Lang Mocko, Michael Wells White
  • Patent number: 10152747
    Abstract: A securities trading program for trading individual lots of a security which can be run at a security trader's computer station. The program generates a trading screen comprising a listing of multiple bids for the security, each bid having a price, as well as a listing of multiple priced offers for the security. The bid and offer listings are active, enabling the trader to hit any one of the displayed bids or take any one of the displayed offers, for example by selecting and clicking on a displayed bid or offer. In one embodiment, the bids and offers are arranged in side-by-side columns on the trader's screen, helping the trader to rapidly overview the market for a particular security, and compare different, possibly competitive, securities by paging through level-of-interest windows for each security.
    Type: Grant
    Filed: September 2, 2011
    Date of Patent: December 11, 2018
    Assignee: BGC PARTNERS, INC.
    Inventor: David Lawrence
  • Patent number: 10152710
    Abstract: Disclosed are various embodiments for browser-based payment for content. A request for content is obtained from a client. It is determined whether a payment is sought for the content. It is determined whether a payment-signifying token is presented in a request protocol header of the request. A response protocol header indicating that the payment is sought is returned to the client in response to the request when the payment is sought for the content and the payment-signifying token is not presented in the request protocol header. The content is returned to the client in response to the request when the payment is sought for the content and the payment-signifying token is presented in the request protocol header.
    Type: Grant
    Filed: February 28, 2013
    Date of Patent: December 11, 2018
    Assignee: Amazon Technologies, Inc.
    Inventors: Daryn Edward Nakhuda, Scott Kerns Windsor
  • Patent number: 10140658
    Abstract: A computerized method for managing a user account includes receiving a transfer of funds into a user account, and purchasing a commodity or valuable asset to back the funds. The method further includes tracking a value of the commodity or valuable asset, and increasing or decreasing a value of the funds based on the value of the commodity or valuable asset. The user account is accessible via a computer network for making purchases or an additional transfer of the funds to another user account. The commodity may be gold, silver, or platinum bullion. The valuable asset may be a stock or bond.
    Type: Grant
    Filed: June 9, 2014
    Date of Patent: November 27, 2018
    Inventor: Mehran Bagherzadeh
  • Patent number: 10055720
    Abstract: A system including a network connected to at least one mint computing device implementing a virtual currency mint. The network has a ring topology and includes computing devices that implement a plurality of nodes. The mint issues units of virtual currency to user accounts implemented by the nodes. Each of at least a portion of the nodes is configured to initiate (as a sender node) a transaction with a recipient node that transfers at least one unit of the virtual currency from a sender one of the user accounts to a recipient one of the user accounts. The recipient node validates the transaction, creates a receipt, performs an operation on the receipt to identify a storage node, and routes the receipt to the storage node. The storage node stores the receipt, identifies next storage nodes, and routes copies of the receipt to the next storage nodes for storage thereby.
    Type: Grant
    Filed: October 13, 2017
    Date of Patent: August 21, 2018
    Assignee: NCHAIN HOLDING LIMITED
    Inventors: Robert Scott MacGregor, Milagrino Jose C. Ong
  • Patent number: 10037577
    Abstract: A system and method are provided for displaying market related data, such as traded volume at each price level, or any other trader-selected values, using one or more fixed size bars. In one preferred embodiment, a graphical display interface is provided and includes a plurality of fixed size bars that display traded volume at different price levels. In such an embodiment, the length of each bar may correspond to a predefined maximum value, and each bar may be progressively color-coded using a first graphical format to represent traded volume that is lower than the maximum value. If the traded volume exceeds the maximum value, the overflow value may be represented by progressively color-coding the bar using a second graphical format that may be used in relation to the first graphical format color-coding.
    Type: Grant
    Filed: August 29, 2017
    Date of Patent: July 31, 2018
    Assignee: Trading Technologies International, Inc.
    Inventor: Robert A. West
  • Patent number: 10019758
    Abstract: Systems and methods for providing a customizable spreadsheet application interface for an electronic trading system or market data source. A customizable spreadsheet application using the application interface according to the invention may be executed or stored either at the client or at a server. In either case, a user is preferably provided with an spreadsheet interface that allows the user to implement a real time electronic trading model. The trading model may preferably be used to trade in the electronic trading system without additional user intervention.
    Type: Grant
    Filed: July 23, 2014
    Date of Patent: July 10, 2018
    Assignee: CFPH, LLC
    Inventor: John P. Bartolucci
  • Patent number: 9990393
    Abstract: Various techniques are disclosed for offloading the processing of data packets. For example, incoming data packets can be processed through an offload processor to generate a new stream of outgoing data packets that organize data from the data packets in a manner different than the incoming data packets. Furthermore, in an exemplary embodiment, the offloaded processing can be resident in an intelligent switch, such as an intelligent switch upstream or downstream from an electronic trading platform.
    Type: Grant
    Filed: March 3, 2014
    Date of Patent: June 5, 2018
    Assignee: IP Reservoir, LLC
    Inventors: Scott Parsons, David E. Taylor, Ronald S. Indeck
  • Patent number: 9922330
    Abstract: A system for advertising on a Peer-to-Peer network detects a search request of a node in a Peer-to-Peer network. After detecting a search request, the system prepares an unsolicited response (e.g., advertisement) to the search request of the node. Once the unsolicited response is prepared, the system sends the unsolicited response to the node. For example, a Peer-to-Peer network node issues a search request and a system prepares an advertisement (e.g., an unsolicited response). After preparing the advertisement, the system sends the advertisement to the Peer-to-Peer network node that issued the search request. The process of sending advertisements can be made to each node issuing a search request without discrimination. In one example, the system detects a search request of a node in a Peer-to-Peer network; prepares an advertisement in response to the search request of the node based on a predetermined search criteria; and sends the advertisement to the node for advertising on the Peer-to-Peer network.
    Type: Grant
    Filed: June 11, 2008
    Date of Patent: March 20, 2018
    Assignee: Kroll Information Assurance, LLC
    Inventor: Samuel P. Hopkins
  • Patent number: 9558477
    Abstract: According to one embodiment of the present invention, a computerized method for effecting payment by a check includes electronically receiving payment information for a check drawing on a checking account of an account holder, retrieving from a storage location an image replacement document template associated with the checking account in response to receiving the payment information, and generating an image replacement document representative of the check by inserting the payment information into respective fields of the image replacement document template. The payment information includes a date, a payee, a dollar amount, a legal amount, and a signature.
    Type: Grant
    Filed: October 25, 2013
    Date of Patent: January 31, 2017
    Assignee: Hewlett Packard Enterprise Development LP
    Inventor: Thomas D. Reyes
  • Patent number: 8799128
    Abstract: The present invention provides a seamless entry system that comprises a universal session manager. Users connect to the host service provider with a unique username and password. Then, through a series of data exchanges between the universal session manager, a validation database, and the remote service module, the customer may be transparently logged into remote service providers. Internet banking customers utilize a browser system to connect to a host server providing a range of banking services supported by a remote or distinct server. According to the method, the customer first enters a username and password to gain access to the host service provider. The universal session manager transmits data required for login to the remote service provider. The user is thus able to utilize the remote services with his/her web browser system without having entered a username or password particular to the remote service.
    Type: Grant
    Filed: May 29, 2013
    Date of Patent: August 5, 2014
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Robert J. Rosko, Jayashree Gudipati
  • Patent number: 8798987
    Abstract: The invention relates generally to data analysis, and to systems and methods for the computation of the volatility of a loss. The system comprises a module for receiving a data parameter, a database for storing the parameter, a computerized predictive model, and a business logic processor for executing the predictive model. The volatility is used to, among other things, determine an appropriate work flow for handling the loss.
    Type: Grant
    Filed: October 23, 2013
    Date of Patent: August 5, 2014
    Assignee: Hartford Fire Insurance Company
    Inventors: Kelly J. McLaughlin, Upendra D. Belhe, Gregory P. Goddu, Natalie Mohanty, Kathleen F. Mauer
  • Patent number: 8793174
    Abstract: A system for transferring a customer's account information from one account to a new account is described. The system utilizes a switch kit application and associated system that can determine services at the old account and facilitate the transfer of these services to the new account.
    Type: Grant
    Filed: June 21, 2013
    Date of Patent: July 29, 2014
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Nathan P. Wehunt, Jeanne Blair, Scott A. Lux, Jeffrey J. Gradwohl, Steven J. Dickinson, Helen P. Boyles, Christian Houssiere, Audra K. Stoll, Tara L. Jacobson, Gregory L. Cunningham
  • Patent number: 8762279
    Abstract: Embodiments of the invention enable cardholders conducting an online transaction to be authenticated in real-time using a challenge-response application. The challenge-response application can be administered by an issuer or by a third party on-behalf-of an issuer. A challenge question can be presented to the cardholder, and the cardholder's response can be verified. The challenge question presented can be selected based on an analysis of the risk of the transaction and potentially other factors. A variety of dynamic challenge questions can be used without the need for the cardholder to enroll into the program. Additionally, there are many flexible implementation options of the challenge-response application that can be adjusted based on factors such as the location of the merchant or the location of the consumer.
    Type: Grant
    Filed: August 12, 2013
    Date of Patent: June 24, 2014
    Assignee: Visa International Service Association
    Inventors: Kevin Weller, Kim Steele, Krishna Prasad Koganti, Patrick Faith
  • Patent number: 8744964
    Abstract: A method and system for managing transaction card accounts involves providing a customer a transaction card account by a financial institution against which the customer can charge predetermined types of transactions during predefined account statement periods and sending a statement of charges against the account to the customer at an end of each account statement period specifying a due date, after which a predefined late fee is assessed on the account if the statement is not paid. However, the late fee is automatically waived on the account within specified products if the customer makes a purchase or secures a cash advance during the account statement period for which the payment is due. Further, a voice response unit of the financial institution gives the customer a first menu option to opt out of a voice response unit scripted call and speak directly to a live representative about the account at any time during the call.
    Type: Grant
    Filed: September 12, 2013
    Date of Patent: June 3, 2014
    Assignee: Citicorp Credit Services, Inc.
    Inventors: Glennon Franklin, Edmond Eger
  • Patent number: 8706605
    Abstract: A system for replenishing trading orders comprises a memory coupled to a processor. The memory stores a trading order comprising a total quantity of a product, and at least one formula to determine a displayed quantity for the trading order. The processor applies the formula to determine the displayed quantity. The processor further determines a reserved quantity based on the determined displayed quantity and the total quantity. The processor communicates the trading order having the determined displayed quantity and the determined reserved quantity.
    Type: Grant
    Filed: January 4, 2010
    Date of Patent: April 22, 2014
    Assignee: BGC Partners, Inc.
    Inventors: Matthew W. Claus, Kevin M. Foley, Joseph C. Noviello, Howard W. Lutnick