Patents Examined by Olabode Akintola
  • Patent number: 10956894
    Abstract: Systems and method for splitting a bill offline include detecting one or more local devices using local wireless communications provided by a peer-to-peer communication module. At least one payer device of the one or more local devices is selected for apportioning a primary bill. An offline payment authorization is then received from each at least one payer device through local wireless communications provided by the peer-to-peer communication module. When an Internet connection is later detected, the system provider connects to the Internet and sends the offline payment authorization received from each at least one payer device to a payment provider device over the Internet. The payment provider device may then transfer funds from account(s) of the at least one payer device to the account of the system provider.
    Type: Grant
    Filed: May 22, 2014
    Date of Patent: March 23, 2021
    Assignee: PayPal, Inc.
    Inventors: Christopher Diebold O'Toole, Yu Tang, Bryant Genepang Luk, Robert He, Jennifer Tatiana Brenner
  • Patent number: 10949922
    Abstract: The disclosed systems and methods make derivatives contracts based on an underlying virtual currency available for trading. Certain derivatives contracts have a settlement value based on the transaction fees associated with recording and/or performing transactions for the selected virtual currency. The contracts can be used, for example, by virtual currency miners against certain risks associated with mining virtual currency.
    Type: Grant
    Filed: June 30, 2016
    Date of Patent: March 16, 2021
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Ryan Pierce, Mansoor Ahmed, John Plante
  • Patent number: 10943101
    Abstract: A device receives image data that depicts a target that is subject to a security check, and receives transactional data identifying a characteristic of a transaction associated with the target. The device identifies the target within the image data and identifies a first set of target attributes of the target. The device determines a risk level that represents a likelihood of the characteristic of the transaction having a correct value by analyzing the set of target attributes using one or more attribute recognition techniques and/or using a data model that has been trained using machine learning. The device determines whether the risk level satisfies one or more threshold risk levels. The device provides an alert to another device cause the other device to perform actions based on whether at least one of the one or more threshold risk levels are satisfied.
    Type: Grant
    Filed: December 28, 2018
    Date of Patent: March 9, 2021
    Assignee: Accenture Global Solutions Limited
    Inventors: Rajul Agarwal, Abhilash Manu, Rohini Minunath Nagare, Shringar Kashyap, Araghya Biswas, Gaurav Tiwari
  • Patent number: 10937099
    Abstract: A system of optimizing a target result receives, by a client input server, a target result from a user, where the target result comprises at least one of a goal, and a statistical probability that the target result is achievable, and where the target result is to be achieved during a time period. The system compiles, by an output server, an interactive strategy comprising a timeline to achieve the target result. The system optimizes at least a portion of the interactive strategy by modeling at least one future performance model associated with the target result, and determining an optimal strategy for the target result comprising a target result value. The system renders the optimized interactive strategy, the statistical probability, and the target result for the user on a real-time interactive display, where the statistical probability is predictive of achieving the target results.
    Type: Grant
    Filed: September 27, 2018
    Date of Patent: March 2, 2021
    Assignee: PENTECH LIMITED
    Inventor: Bror Frederik Karlsson
  • Patent number: 10915884
    Abstract: A computer-implemented method includes: providing, by a merchant computing device, an offline payment request to a user device when the merchant computing device is disconnected from a payment server, wherein the offline payment request is provided via local communications between the user device and the merchant computing device; receiving, by the merchant computing device, a payment approval message associated with the offline payment request based on providing the offline payment request, wherein the payment approval message is received via the local communications between the user device and the merchant computing device; storing, by the merchant computing device, the payment approval message; and providing, by the merchant computing device, offline transaction information corresponding to the payment approval message to the payment server when connectivity to the payment server has been restored.
    Type: Grant
    Filed: December 18, 2017
    Date of Patent: February 9, 2021
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Badekila Ganesh Prashanth Bhat, Krishna C. Kumar, Mohan Pattadai, Sachin M. Nayak
  • Patent number: 10909542
    Abstract: There is provided a method and system for facilitating a payment from a customer to a merchant, and a client device for facilitating a payment from a customer to a merchant. The various aspects rely on use of a merchant identifier based on a client device geolocation.
    Type: Grant
    Filed: October 4, 2017
    Date of Patent: February 2, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Pravin Parekh
  • Patent number: 10902514
    Abstract: Examples described herein relate to apparatuses and methods for facilitating automatic anonymous group funding, including but not limited to a provider computing system configured to establish a digital funding group, obtain a set of proposed transactions for at least one member of the digital funding group, and determine that a first user device from the plurality of user devices associated with the digital funding group is associated with a first customer unable to afford at least one proposed transaction. The provider computing system broadcasts a notification to the digital funding group requesting funds, matches funds provider(s) to the funds recipient, generates a funding transaction, provides the terms to the sender(s) and recipient of funds, modifies the terms as needed, and initiates a funds transfer.
    Type: Grant
    Filed: April 10, 2018
    Date of Patent: January 26, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Sotirios K. Barkas, Yon W. Lee, Darius A. Miranda, Marria Rhodriquez, Darrell L Suen, John T. Wright
  • Patent number: 10891615
    Abstract: Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions according to review and approval workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. Microservices on the transaction exchange platform may interact with the transaction objects based on configured workflows associated with the transactions. Processing on the transaction exchange platform may facilitate clearing and settlement of transactions. Some aspects may provide for dynamic and flexible reconfiguration of workflows and/or microservices. Other aspects may provide for data snapshots and workflow tracking, allowing for monitoring, quality control, and auditability of transactions on the transaction exchange platform.
    Type: Grant
    Filed: December 20, 2019
    Date of Patent: January 12, 2021
    Assignee: Capital One Services, LLC
    Inventors: Earle Michael Lee, William Planck
  • Patent number: 10880313
    Abstract: A data processing system communicates with a secure third-party database to obtain information about a user that is usable to determine one or more items associated with the user. The system then coordinates gathering and identification of additional data relevant to the user from other third-party data sources, to potentially update the user's information stored with the secure third-party database. The updated information may then be accessed at the secure third-party database to determine items associated with the user, which may include additional items in view of the additional data.
    Type: Grant
    Filed: June 19, 2019
    Date of Patent: December 29, 2020
    Assignee: CONSUMERINFO.COM, INC.
    Inventors: Joe Manna, Michelle Felice-Steele, Michele Raneri, Paul DeSaulniers, Jeff Softley, Srikumar Puthupadi Kanthadai, Aga Dzhafar Hady Ogiu Dzhafarov, Pat Finneran, Donna Meryl Smith, Gregory Lennox Wright, Marizette Galvez, Ujjayan Banerjee, Ravi Devesetti, Shivakumar Ramanathan, Mukeshkumar G. Patel
  • Patent number: 10872337
    Abstract: A payment method and a payment system are disclosed. After a biological body enters a predetermined range of a payee device, a communication connection is established by a payee device with a payer device through the biological body, and transaction information is transmitted to the payer device. The transaction information is received by the payer device, key information is extracted and is prompted, and authentication information is transmitted to the payee device after receiving a confirmation instruction. The authentication information is received by the payee device and biological feature information about the biological body is acquired during a time duration when the biological body is within the predetermined range. An authentication result for authenticating the digital authentication information and the biological feature information is acquired by the payee device, and payment transaction is performed when the authentication result is a successful authentication.
    Type: Grant
    Filed: March 6, 2017
    Date of Patent: December 22, 2020
    Assignee: Tendyron Corporation
    Inventor: Ming Li
  • Patent number: 10872343
    Abstract: A method is provided for facilitating session-based authentication for a plurality of e-commerce transactions for an account holder. The method includes registering a plurality of account holders, receiving, from an account holder of the plurality of account holders, user input setting the account privilege information for an account corresponding to the account holder, and receiving a transaction request for an e-commerce transaction between the account holder and a merchant, the transaction request comprising transaction details including a transaction value and a transaction time, and, in response to the transaction request, performing, with at least one computer system, an authentication process.
    Type: Grant
    Filed: April 2, 2018
    Date of Patent: December 22, 2020
    Assignee: CardinalCommerce Corporation
    Inventors: Michael A. Keresman, III, Chandra S. Balasubramanian, Francis M. Sherwin
  • Patent number: 10861092
    Abstract: Computerized systems and methods for efficiently refreshing financial data for financial accounts for login identifications of users at respective financial institutions in a batch data pull via a communication network. The login identifications are prioritized for being refreshed based on determining a probability that each login identification has a new transaction since the last successful refresh of the login identification using a learning algorithm utilizing past financial data. The login identifications are then refreshed in a batch data pull from the financial institutions in an order from highest probability to lowest probability of having a new transaction since the last batch data pull.
    Type: Grant
    Filed: October 26, 2017
    Date of Patent: December 8, 2020
    Assignee: INTUIT INC.
    Inventors: Siddhartha Misra, Tarek Rabbani, Nageswara Prasad Cherukuri, Kishore Nene, Neha Kumari, Prateek Vasant Kakirwar, Mahesh Subramanian
  • Patent number: 10853875
    Abstract: Systems, method, apparatuses, and software are described for automatically detecting defects in financial transactions, automatically determining resolutions to the defects based on historical defect patterns, an interacting with customers to provide information and/or receive instructions regarding defects and how they should be resolved.
    Type: Grant
    Filed: September 21, 2018
    Date of Patent: December 1, 2020
    Assignee: Bank of America Corporation
    Inventors: Shiva-Sanjay Bhakta, Jeffrey R. Goertz, Kerry Michelle Cantley, Eric Dryer, James W. Stark, III, Mike Stoll, Tim Gauvin, Geoffrey R. Williams, Krishna Kota
  • Patent number: 10853776
    Abstract: A cloud wallet system may receive an indication from a third party system that a user has checked-in at a merchant. The cloud wallet system then determines whether the merchant has an account with the cloud wallet system so that a point-of-sale (POS) purchase can be processed via the user check-in. If the merchant has an account with the cloud wallet system, a user profile corresponding to the user is sent to the merchant and a point-of-sale transaction based on a third party user check-in may be processed by the merchant through the cloud wallet system.
    Type: Grant
    Filed: October 27, 2017
    Date of Patent: December 1, 2020
    Assignee: Amazon Technologies, Inc.
    Inventor: Benjamin David Grier
  • Patent number: 10853794
    Abstract: Embodiments of systems and methods for generating virtual account-linked cards are described. A virtual account-linked card may be generated in response to a determination that a physical account-linked card has been forgotten at a card reader and ingested by the card reader. A virtual account-linked card may be restricted such that it can only be used to execute a transaction with authorized transaction partners identified in a database.
    Type: Grant
    Filed: April 25, 2019
    Date of Patent: December 1, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Joshua Edwards, Michael Mossoba, Abdelkader Benkreira
  • Patent number: 10846664
    Abstract: A secure electronic system for storing and managing receipt and releasing of electronic documents, such as cryptocurrencies, digital currencies, tokens, and smart contracts, includes a platform server, a secure computer, and a non-IP protocol for communication between the secure computer and the platform server. The secure computer includes a plurality of cold memory modules and at least one hot memory module. The secure computer powers up and makes hot one or more of the plurality of the cold memory modules upon detecting and empty condition or a full condition. The secure computer includes a rate limiter that restricts releasing of hot electronic documents, such as cryptocurrencies, digital currencies, tokens, and smart contracts, stored in the at least one hot memory module. The non-IP protocol is known only to authorized administrators or operators of the secure electronic system. The secure computer provides access to the platform server only through the non-IP protocol.
    Type: Grant
    Filed: March 16, 2018
    Date of Patent: November 24, 2020
    Assignee: AIM IP, LLC
    Inventors: Dmitriy Olegovitch Myshkin, Brandon Michael Allen
  • Patent number: 10839397
    Abstract: A method for contextual authentication based on computing devices includes: storing an account profile related to a transaction account including an account identifier and a timestamp and a device geolocation for at least two computing devices; receiving an authorization request for a payment transaction including the account identifier, a transaction geographic location, and a transaction time; identifying an authentication score for the payment transaction based on a comparison of the transaction time and transaction geographic location to the timestamp and device geographic location for each of the at least two computing devices; and transmitting the identified authentication score and received authorization request to a financial institution associated with the transaction account.
    Type: Grant
    Filed: September 6, 2018
    Date of Patent: November 17, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Ankur Arora, Amit Gupta, Shreya Mittal
  • Patent number: 10832230
    Abstract: A shared ledger of transactions may be used for various purposes and may be later accessed by interested parties for ledger verification. Authenticity of transactions requires active measures to ensure transaction participants including parties to the transactions, observers to the transaction, etc., are providing accurate information for each transaction. One example method of operation may include one or more of performing one or more transactions between a subset of participants of a shared ledger system or subsystem which includes the subset of participants and witnesses assigned to the subset of participants, and synchronizing the one or more transactions exclusively by the subset of participants and the assigned witnesses, so the one or more of the transactions between the subset of participants exist with no common witnesses.
    Type: Grant
    Filed: April 4, 2017
    Date of Patent: November 10, 2020
    Assignee: International Business Machines Corporation
    Inventors: Peter A. Franaszek, Mark N. Wegman
  • Patent number: 10817854
    Abstract: Techniques are described for facilitating sharing of executable software images between users in a configurable manner. In at least some situations, the executable software images are virtual machine images, and while executing may access and use remote network-accessible services (e.g., Web services). In addition, some or all shared executable software images may be made available in a fee-based manner by creator users, such that execution of such a fee-based software image by a software image execution service on behalf of a user other than the creator user is performed in exchange for fees from the other user as specified by the creator user. The creator user may further receive at least some of the specified fees paid by the other user, such as at least some of a difference between the specified fees and fees charged by the software image execution service for the execution.
    Type: Grant
    Filed: June 9, 2014
    Date of Patent: October 27, 2020
    Assignee: Amazon Technologies, Inc.
    Inventors: Peter Sirota, James Alfred Gordon Greenfield, Don Johnson, Attila Narin
  • Patent number: 10796308
    Abstract: A transaction terminal includes a plurality of disparate application services that process within a common/shared platform on the transaction terminal. Each disparate application service may include its own unique biometric provider for providing biometric registration and recognition services to customers at the transaction terminal. When a particular application service is launched for execution on the transaction terminal, a biometric integration manager identifies an appropriate biometric provider for that application service and interacts with that biometric provider and the launched application service to facilitate biometric registration or biometric recognition of a customer transacting at the transaction terminal.
    Type: Grant
    Filed: June 29, 2018
    Date of Patent: October 6, 2020
    Assignee: NCR Corporation
    Inventors: Somnath Banerjee, Robert Thomas Borucki