Patents Examined by Olabode Akintola
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Patent number: 9817679Abstract: A technique for collecting financial information is described. During this technique, a customer request to a financial institution to access a financial-software application is used to initiate an exchange of financial information between the financial institution and a provider of the financial-software application. In particular, in response to the forwarded customer request, the provider of the financial-software application may request, and then receive, financial information associated with the customer's account from the financial institution. Subsequently, the provider of the financial-software application may provide a document that facilitates access to the financial-software application to the customer. This document may include at least some of the received financial information.Type: GrantFiled: August 10, 2009Date of Patent: November 14, 2017Assignee: INTUIT INC.Inventors: Yogish Pai, Thirugnanam Subbiah, Sunil Bannur Vittal, Richard M. Ng, Raghunath N. Battula, John P. Motz
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Patent number: 9818093Abstract: 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: GrantFiled: June 14, 2012Date of Patent: November 14, 2017Assignee: Amazon Technologies, Inc.Inventor: Benjamin D. Grier
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Patent number: 9811858Abstract: The invention relates to a method for enrolling and authenticating a bank's cardholder to a service provided by a service provider, characterized in that it comprises: a. receiving an identification cardholder data (ID) by a first channel; b. double-checking the identity of said cardholder by a second channel.Type: GrantFiled: November 14, 2012Date of Patent: November 7, 2017Assignee: GEMALTO SAInventors: Valery Arnald, Sylvain Godbert, Philippe Mezger, Kanza Jaafar
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Patent number: 9805420Abstract: Systems and methods are provided for processing and distributing market data. Critical data, such as data showing that a market price has changed is distributed without further delay. When the market data does not result in a change in a market price or does not meet another critical criteria, the market data is aggregated with market data for similar events and distributed when the aggregated market data passes a quantity threshold.Type: GrantFiled: January 20, 2011Date of Patent: October 31, 2017Assignee: Chicago Mercantile Exchange Inc.Inventors: Ari Studnitzer, Seshadri Sundaram, Kevin Kometer, Sana Fathallah-Shaykh, James Krause
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Patent number: 9792600Abstract: Technology is disclosed for a convenient money transfer without requiring any account login and/or creation activities. The disclosed technology enables a sender to transfer a specified amount of currency to one or more recipients through a payment application. In response to a request from the sender, the technology provides a user interface to collect a numerical value corresponding to the specified amount of currency, accesses a list of contacts in a database of the sender's mobile device, and then provides the list of contacts to the sender. The technology enables the sender to manually select recipients from the provided list of contacts and can accordingly initiate a payment process based on statuses of selected recipients.Type: GrantFiled: June 2, 2015Date of Patent: October 17, 2017Assignee: Square, Inc.Inventor: Brian Grassadonia
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Patent number: 9773232Abstract: Technology is disclosed for a convenient money transfer without requiring any account login and/or creation activities. The disclosed technology enables a sender to transfer a specified amount of currency to one or more recipients through a payment application. In response to a request from the sender, the technology provides a user interface to collect a numerical value corresponding to the specified amount of currency, accesses a list of contacts in a database of the sender's mobile device, and then provides the list of contacts to the sender. The technology enables the sender to manually select recipients from the provided list of contacts and can accordingly initiate a payment process based on statuses of selected recipients.Type: GrantFiled: February 10, 2015Date of Patent: September 26, 2017Assignee: Square, Inc.Inventor: Brian Grassadonia
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Patent number: 9773238Abstract: The present invention uses an order processing server to transmit an electronic menu to a customer. When a vehicle comes within range of the server's transceiver, the menu is received by the particular customer device, and the order is formulated and transmitted back to the server.Type: GrantFiled: January 28, 1999Date of Patent: September 26, 2017Assignee: International Business Machines CorporationInventor: Joseph Phillip Bigus
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Patent number: 9767511Abstract: A system, method, and computer program product for automating an online auction service and bidder interacton including receiving a keyword searching based on the keyword product auctions of a plurality of auction sites; and may include using a search agent or a meta-search agent, and providing returned auctions, and may include presenting current status of product auctions. The method can monitor temporal progression of auctions, and can notify users of changes in status. A bid proxy can be activated as an auction nears completion placing bids until the auction is won or lost. In the event of a counter offer, a higher bid can be made.Type: GrantFiled: May 9, 2012Date of Patent: September 19, 2017Assignee: Life Proxy LLCInventor: Rob R. Montgomery
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Patent number: 9754260Abstract: Described herein are systems and computer-implemented methods for configuring a payment account in an account hierarchy using transaction codes that carry transaction information. The transaction codes carry sufficient information to help inform a decision of whether to lock the payment account so as to prevent an initiated transaction from completing. The decision can be fully-automated based on rules and/or intelligent machine analysis. The systems and methods can also seek, in real-time, authorization from an account administrator. The systems and methods can also allow the administrator to create a locking rule for the payment account. The administrator can be identified using the account hierarchy.Type: GrantFiled: October 28, 2013Date of Patent: September 5, 2017Assignee: Quisk, Inc.Inventor: Jorge M. Fernandes
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Patent number: 9747601Abstract: A method for authenticating a check of a plurality of checks where the check was previously issued from a first party to a second party, including receiving first information from the first party, storing the first information in a file of a third party and receiving the check. The check has first party identifying information, a unique pseudorandom number of a pseudorandom sequence, and an amount. A status of activating the plurality of checks is determined. At least a portion of the first party identifying information included with the check, the unique pseudorandom number included with the check and the check amount included with the check are authenticated. The received check is authenticated if the first party, the unique pseudorandom number included with the check and the amount included with the check are authenticated and if the plurality of checks have been activated.Type: GrantFiled: December 17, 2010Date of Patent: August 29, 2017Assignee: CAPTIAL ONE FINANCIAL CORPORATIONInventors: James John Kelly, Robert Dean Rowley, III, Todd Adam Sandler, Daniel Lloyd Struble, Rudolph Christian Wolfs, Joseph DeLiberis
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Patent number: 9747586Abstract: Disclosed herein are system and methods for issuance and circulation of electronic currency, as well as a payment system based on use of the aforementioned electronic currency. In one exemplary aspect, the system includes a management module configured to: create and manage one or more wallets of electronic currency; manage information about a reserve substantiating the electronic currency, wherein the reserve comprises one or more tangible or intangible assets; and record electronic currency transactions in a settlement network, wherein the settlement network carries out transactions and stores data describing said transactions; and an issuance center configured to carry out centralized issuance of the electronic currency and its controlled release into circulation in the settlement network, wherein the amount of the issued electronic currency released into circulation in the settlement network is equal to or less than the amount of the reserve substantiating it.Type: GrantFiled: September 12, 2016Date of Patent: August 29, 2017Assignee: CPN GOLD B.V.Inventors: Vladimir Nikolayevich Frolov, Damir Nasibullovich Gaynanov, Aleksey Petrovich Romanchuk, Anatoliy Anatolievich Vatolin
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Patent number: 9747599Abstract: A method and a system for processing cross-border transactions in a multiple party payment card processing network is disclosed. A party evaluates an inbound transaction message received from a downstream party to determine if the corresponding payment transaction is a cross-border transaction and if it requires currency conversion processing. Based on the evaluations, a cross-border and currency conversion status indicator that is attached to outbound transaction messages sent to upstream entities in the payment network. Currency conversion service fees and/or rebates may be assessed to other entities in the payment card network according to the results of the evaluations.Type: GrantFiled: April 2, 2007Date of Patent: August 29, 2017Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Doug Raymond, Derek Madison, Joyce O'Connell, Michelle Grist, Dale Wilkis
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Patent number: 9721297Abstract: Systems and methods for a trading interface with advanced features are provided. Using these systems and methods, a user may create orders, manipulate orders, cancel orders, configure alternative keyboard settings, and/or obtain additional information on transactions. When a user clicks on a bid and/or offer, a dialog box may pop-up, thereby providing the user with multiple options. To enable customization of the keyboard settings to a user's preference, a keyboard settings feature is provided. Users may also be provided with additional information relating to the user's wish to transact.Type: GrantFiled: September 16, 2005Date of Patent: August 1, 2017Assignee: BGC PARTNERS, INC.Inventors: Howard W. Lutnick, Glenn D. Kirwin, Joan Kirwin, Andrew C. Gilbert, Mary Ann Gilbert
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Patent number: 9697507Abstract: A method, system and computer product for discount coupon acquisition, management and redemption. In one embodiment, the method comprises scanning a coupon with a portable computing device without establishing a data connection to the portable computing device. The method further comprises decoding a scanned image of the coupon for storage in the portable computing device, and generating information of the coupon by the portable computing device for redeeming the coupon.Type: GrantFiled: March 14, 2008Date of Patent: July 4, 2017Assignee: RICOH CO., LTD.Inventor: Andrea Mariotti
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Patent number: 9679320Abstract: A user-personalized product sampling, recommendation and purchasing system uses customer identification numbers and associated customer profile data to tailor specific product recommendations to a customer at a content sampling station of a retail location. The customer also can use her customer profile to receive the same information from an Internet website of the merchant. In-store sampling stations also may have the capability of checking store inventory and central warehouse inventory and providing recommendations to the customer in accordance with product availability, and optionally may provide the customer with the ability to place product orders directly through the sampling station. The recommendation system also can be used to tailor product recommendations in accordance with a rule-based model and real-time inventory data from a POS database.Type: GrantFiled: December 11, 2006Date of Patent: June 13, 2017Assignee: Trans World New York, LLCInventors: Gregory W. Harper, Steven E. Skiba
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Patent number: 9607337Abstract: A distributed, transparent, in-line risk management and traffic capture system that solves securities trading compliance problems. A transparent cut-through sniffer device is coupled with a real-time packet processor to police traffic flows between trading clients and exchange servers.Type: GrantFiled: December 22, 2011Date of Patent: March 28, 2017Assignee: Hyannisport Research, Inc.Inventor: Anthony D. Amicangioli
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Patent number: 9595031Abstract: Technology is disclosed for a convenient money transfer without requiring any account login and/or creation activities. The disclosed technology enables a sender to transfer a specified amount of currency to one or more recipients through a payment application while executing an instant message application. The disclosed technology enables the payment application to act as a background process associated with or incorporated in the instant message application, so as to provide the user with a “seamless” user experience. In response to detection of a specified identifier, the technology provides a user interface to collect a numerical value corresponding to the specified amount of currency, accesses a list of contacts in a database of the sender's mobile device, and then provides the list of contacts to the sender. The technology enables the sender to manually select recipients from the provided list of contacts and can accordingly initiate a payment process based on statuses of selected recipients.Type: GrantFiled: February 10, 2015Date of Patent: March 14, 2017Assignee: Square, Inc.Inventor: Brian Grassadonia
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Patent number: 9576287Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for processing payment events. One of the systems includes one or more processing engines configured to periodically retrieve information from a payment event feed that comprises a list of payment events in an order, and a server configured to perform a sequence of steps for a payment transaction, the sequence of steps including receiving a request for authorization of the payment transaction from a merchant, receiving an indication that the payment transaction has been authorized, and sending authorization to the merchant for the payment transaction without receiving acknowledgment that the one or more transaction processing engines have received the request for authorization, wherein the server is configured to record completion of each step in the sequence of steps as a payment event in the list of payment events to generate the payment event feed.Type: GrantFiled: March 13, 2013Date of Patent: February 21, 2017Assignee: Square, Inc.Inventors: Alexey Kalinichenko, Simo Leone, Abhay Kumar, Austin Broyles, Matt Mihic
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Patent number: 9542678Abstract: A payment reader and a merchant device may communicate over a wireless connection. The payment reader may establish a wireless bond with a first merchant device and exchange payment information. After the payment information is exchanged, the payment reader and merchant device may disconnect while remaining bonded. The payment reader may send a request message and bond to a second merchant device, while breaking the bond with the first merchant device if a bond with the second merchant device is established. The payment reader may then exchange payment information with the second merchant device.Type: GrantFiled: March 31, 2016Date of Patent: January 10, 2017Assignee: Square, Inc.Inventors: Ross Glashan, Nicholas Hebner
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Patent number: 9530130Abstract: In one aspect, a method for processing a card-not-present account-on-file transaction is provided. The transaction involves a cardholder using payment card information stored by a merchant. The method includes receiving an authorization request message for the transaction, the authorization request message received at a payment network from an acquirer associated with the merchant and receiving an authorization response message, the authorization response message received at the payment network from an issuer. The authorization response includes a denial indicator indicating that the transaction has been denied. The method further includes querying a database coupled to the payment network to determine whether the database includes updated payment card information for a payment card associated with the transaction.Type: GrantFiled: July 30, 2012Date of Patent: December 27, 2016Assignee: MasterCard International IncorporatedInventor: Sharon A. Rosano