Patents Examined by Rajesh Khattar
  • Patent number: 10210507
    Abstract: Performing transactions using virtual card values is disclosed, including: generating a virtual card value corresponding to a transaction; sending a request to a card management server, wherein the request includes the virtual card value and a transaction amount corresponding to the transaction; receiving an indication from the card management server that the virtual card value and the transaction amount have been successfully stored; generating a merchant-related locator based at least in part on identifying information associated with a merchant server and the virtual card value; sending the merchant-related locator to a client device; and receiving, from the card management server, a request to transfer the transaction amount from a user account associated with a cardless payment server to a funds account associated with the merchant server.
    Type: Grant
    Filed: May 23, 2014
    Date of Patent: February 19, 2019
    Assignee: Alibaba Group Holding Limited
    Inventors: Jingming Li, Hui Wu, Bing Wu
  • Patent number: 10163104
    Abstract: A wireless device is enabled to receive a financial account card that is inserted into a card slot of the wireless device. The wireless device reads card data from the financial account card when it is inserted into the slot and programs an RFID (radio frequency identification) tag or a memory included in the wireless device. The wireless device may then be used to provide payment by transmitting the card data via radio frequency to a nearby RFID reader using the RFID tag. The financial account card may also be ejected from the wireless device and swiped by a magnetic card reader.
    Type: Grant
    Filed: December 22, 2016
    Date of Patent: December 25, 2018
    Assignee: Capital One Services, LLC
    Inventor: Gregory M. Gannon
  • Patent number: 10121201
    Abstract: Systems and methods for processing textual messages which are integrated with one or more digital attachments is described. These systems and methods are useful in the electronic filing and processing of, for example, image data, and of textual data associated with the image data. One particular application of these systems and methods would be for the electronic filing and processing of dental x-rays with patient claim forms.
    Type: Grant
    Filed: March 10, 2008
    Date of Patent: November 6, 2018
    Assignee: Integrated Claims Systems, LLC
    Inventor: Andrew L. DiRienzo
  • Patent number: 10121129
    Abstract: The ELECTRONIC WALLET CHECKOUT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“EWCP”) transform customer purchase requests triggering electronic wallet applications via EWCP components into electronic purchase confirmation and receipts. In one implementation, the EWCP receives a merchant payment request, and determines a payment protocol handler associated with the merchant payment request. The EWCP instantiates a wallet application via the payment protocol handler. The EWCP obtains a payment method selection via the wallet application, wherein the selected payment method is one of a credit card, a debit card, a gift card selected from an electronic wallet, and sends a transaction execution request for a transaction associated with the merchant payment request. Also, the EWCP receives a purchase response to the transaction execution request, and outputs purchase response information derived from the received purchase response.
    Type: Grant
    Filed: July 5, 2012
    Date of Patent: November 6, 2018
    Inventor: Avinash Kalgi
  • Patent number: 10115107
    Abstract: Disclosed is a novel system and method for managing payment card fraud. More particularly, accessing information associated with at least one card holder after the card holder has physically passed through at least one security checkpoint in which the card holder's identity has been authenticated. Next at least one payment card identifier associated with the card holder is received. A payment card profile associated with the payment card is updated. In one example, information from a ticket is also used with the payment card identifier to manage the probability of rejection. Numerous embodiments are disclosed.
    Type: Grant
    Filed: December 23, 2013
    Date of Patent: October 30, 2018
    Assignee: International Business Machines Corporation
    Inventors: James R. Kozloski, Clifford A. Pickover
  • Patent number: 10089619
    Abstract: An example electronic wallet device may include a plurality of card slots to receive transaction cards; a plurality of card readers, each card reader, of the plurality of card readers, being associated with a card slot of the plurality of card slots; a hub comprising: a processor, and a communication interface; and a switching component that connects the plurality of card readers to the hub.
    Type: Grant
    Filed: October 4, 2017
    Date of Patent: October 2, 2018
    Assignee: Capital One Services, LLC
    Inventors: Adam Koeppel, James Zarakas
  • Patent number: 10032163
    Abstract: System(s), method(s), and device(s) that generate and use single-use financial account card numbers (SUFACNs) to facilitate secure processing of financial transactions are presented. A user registers a financial account(s) with a financial transaction platform (FTP), a user profile comprising user-related information is created, and a personal identification number (PIN) is associated with the user. When making a purchase locally or online, the user's portable communication device (PCD) accesses the FTP via an application or web site, the PCD synchronizes with the FTP, and the PCD and FTP each respectively generate the same SUFACN(s) based in part on time of generation and PIN. The SUFACN is presented to the seller's register component via scanning (e.g., when SUFACN is a barcode) or entering the SUFACN. The register component sends the SUFACN to the FTP, which interacts with the user's financial account(s) to facilitate payment.
    Type: Grant
    Filed: December 2, 2010
    Date of Patent: July 24, 2018
    Assignee: B & H WORLDWIDE, LLC
    Inventors: Joseph Thomas Ritorto, Christopher Robert Lattanzio
  • Patent number: 10026078
    Abstract: The invention relates to a system and method for accessing multiple accounts. According to one embodiment, the system includes an access device comprising a body in the form of a card; a processor housed in the body; a memory housed in the body and connected to the processor, wherein the memory stores information on the multiple accounts; a selection device housed in the body and adapted to allow a user to select one of the multiple accounts; a display housed in the body for displaying information identifying the selected account, wherein the processor is programmed to generate a signal to generate the information identifying the selected account in response to a user selecting one of the multiple accounts using the selection device; and a wireless transmitter and a wireless receiver housed in the body and connected to the processor.
    Type: Grant
    Filed: April 26, 2011
    Date of Patent: July 17, 2018
    Assignee: JPMorgan Chase Bank, N.A.
    Inventor: Joseph Bradley Nolan
  • Patent number: 9965757
    Abstract: A computer implemented system and method for controlling access to a financial account, the system comprising: one or more memories for storing information and at least one set of instructions, and one or more processors for receiving the financial account information at an access terminal, wherein the access terminal collects access data; identifying a destination account from the financial account information; sending an authorization request to a mobile device linked to the destination account, wherein the authorization request comprises a variable amount of the access data; receiving a response to the authorization request from the mobile device; and controlling access to the financial account at the access terminal based on the response. In some embodiments, the system and method may be further configured to store the response in the destination account.
    Type: Grant
    Filed: April 29, 2011
    Date of Patent: May 8, 2018
    Assignee: |Am| Authentications Inc.
    Inventor: Mick M. Bhinder
  • Patent number: 9959540
    Abstract: There are provided systems and methods for security authentication using payment card display devices at accepted merchant location. A user may be walking near or visiting a merchant location with a wireless smart payment card which may connect to a wireless beacon at the merchant location. The user's payment card may communicate issuer and type of payment card data when connected with the wireless beacon. The beacon may communicate the user's payment card data to a merchant device or server. The merchant device or server may compare user's payment card data to merchant's accepted payment sources. The merchant device or server may alert user's payment card via communication through the wireless beacon, the payment card is accepted at the merchant location. Additionally, security identification and/or advertisements may be communicated to the user's accepted payment card.
    Type: Grant
    Filed: May 22, 2015
    Date of Patent: May 1, 2018
    Assignee: PayPal, Inc.
    Inventor: Michael Charles Todasco
  • Patent number: 9934519
    Abstract: A system and method is provided to implement charging models for subscriber driven media agnostic content delivery across same or different networks. The method includes receiving content of a first media type over a network from a sending client. The method further includes sending the content or a reference to the content to a receiving client in a preferred media type and to a preferred device in accordance with at least one preference of the receiving client. The method also includes generating a billing record based on the content and user preferences of a sending client and/or a receiving client.
    Type: Grant
    Filed: January 4, 2008
    Date of Patent: April 3, 2018
    Inventors: Michael E. Alexander, Sri Ramanathan, Frank A. Schaffa, Matthew B. Trevathan
  • Patent number: 9892402
    Abstract: A processor server receives transaction information associated with an online transaction between a user device and a merchant server, and provides embedded code to the user device based on receiving the transaction information. The processor server receives, based on execution of the embedded code, location information identifying a geographic location at which the user device is located, and an identifier associated with the user device. The processor server determines an authorization decision for the online transaction based on the transaction information, the location information, and the identifier, and forwards the authorization decision to the merchant server to permit the merchant server to approve or deny the online transaction.
    Type: Grant
    Filed: December 18, 2013
    Date of Patent: February 13, 2018
    Assignee: Verizon Patent and Licensing Inc.
    Inventors: Manish Sharma, Kevin Flores, Devin Blong, Tushar Chaudhary, Gaurav Gupta
  • Patent number: 9886981
    Abstract: A stimulus compression device determines neuro-feedback significance corresponding to stimulus material and modifies the stimulus material using neuro-feedback significance measures. For example, the stimulus compression device determines portions of a media stream corresponding to low neuro-feedback significance and removes them from the media stream. Compression of stimulus material may involve removal, modification, repetition, bit rate adjustment, resolution adjustment, etc. Transitions can be smoothed or lengthened to further improve processed stimulus material.
    Type: Grant
    Filed: May 1, 2008
    Date of Patent: February 6, 2018
    Inventors: Anantha Pradeep, Robert T. Knight, Ramachandran Gurumoorthy
  • Patent number: 9870590
    Abstract: The invention relates to systems and methods that provide a user interface for use with an electronic trading system. The interface displays a bid price axis and an ask price axis, as well as corresponding sizes, and an indication of the inside market. When the inside market changes in response to changing market conditions, the indication of the inside market changes locations before being restored to its original location by shifting the bid and ask prices in a direction parallel to the bid or ask price axis. The user may enter trade commands at different price levels using an input device. In order to help prevent such trade commands from being entered at erroneous price levels, the system locks a pointer associated with the input device to a price the user points to during the shifting process, unless the pointer is moved away from that price.
    Type: Grant
    Filed: July 29, 2005
    Date of Patent: January 16, 2018
    Assignee: BGC PARTNERS, INC.
    Inventors: Howard W. Lutnick, Kevin M. Foley, Joseph Noviello, Michael Sweeting
  • Patent number: 9799077
    Abstract: An enhanced claims settlement apparatus may process insurance claims rapidly and accurately. The apparatus may first receive a notification of loss associated with an insured item (e.g., car, boat, truck, home, etc.). The apparatus may then apply various algorithms for using sensors to identify, analyze, and estimate the cost of damage associated with the insured item. The sensors that are a part of the enhanced claims settlement server may include cameras, tactile sensors, electromagnetic sensors, etc. that may communicate data to a processor associated with the server. Once the data has been generated and analyzed by the sensors, a claim settlement file may be transmitted to a claimant.
    Type: Grant
    Filed: May 18, 2017
    Date of Patent: October 24, 2017
    Assignee: Allstate Insurance Company
    Inventors: Thomas Joseph Wilson, II, Stephen Lawrence Ihm
  • Patent number: 9767422
    Abstract: In an example embodiment, an automated banking machine that includes an anti-fraud arrangement that can deter effective operation of unauthorized devices attached to the machine. The arrangement allows for the machine's card slot bezel to be frequently exchanged for a differently configured card slot bezel, where the bezel configuration is displayed to a potential user.
    Type: Grant
    Filed: March 12, 2014
    Date of Patent: September 19, 2017
    Assignee: Diebold Self-Service Systems, Division of Diebold, Incorporated
    Inventors: Greg Ray, David Lewis, Randall W. Jenkins, Jim Block, Songtao Ma, Natarajan Ramachandran, Jeffery M. Enright, James Pettitt
  • Patent number: 9754245
    Abstract: Technologies are described herein for a payments portal. A payments portal can be configured to support payments by generating and embedding widgets in webpages hosted by merchant sites associated with a marketplace. The widgets can provide specific payment functionality for users, thereby providing consistent payment experiences across merchant sites without updating the merchant sites. The widgets can be dynamic or static. Interactions with the widgets can cause a browser displaying the widgets to access data hosted by the payments portal and/or other systems, devices or services in communication with the payments portal.
    Type: Grant
    Filed: March 12, 2013
    Date of Patent: September 5, 2017
    Assignee: Amazon Technologies, Inc.
    Inventors: Alan Greame Davison, Amitpal Singh Bhutani, Justin Michael Bonnar, Robert Benjamin Brydon, Bryan Christopher Castillo, Dennis Scott Doctor, Thomas Luke Kovarik, Aatish Suresh Mandelecha, John Matthew Nienart
  • Patent number: 9747597
    Abstract: A mobile device is utilized for a mobile payment system. The mobile device includes an identity module for storing an identity data; a communication module for communicating with a client and receiving a start signal to generate a notification signal; a processing module for executing an application program to obtain an authentication information according to the notification signal and determining whether the authentication information is legal according to a checking information to generate a switching signal; and a switching module for determining whether to connect the communication module and the identity module according to the switching signal; wherein the communication module reads the identity data stored in the identity module to obtain an identity result according to a conduction of the switching module, and transmits the identity result to the client.
    Type: Grant
    Filed: December 27, 2013
    Date of Patent: August 29, 2017
    Assignee: Wistron Corporation
    Inventor: Tung-Ming Wu
  • Patent number: 9684934
    Abstract: An enhanced claims settlement apparatus may process insurance claims rapidly and accurately. The apparatus may first receive a notification of loss associated with an insured item (e.g., car, boat, truck, home, etc.). The apparatus may then apply various algorithms for using sensors to identify, analyze, and estimate the cost of damage associated with the insured item. The sensors that are a part of the enhanced claims settlement server may include cameras, tactile sensors, electromagnetic sensors, etc. that may communicate data to a processor associated with the server. Once the data has been generated and analyzed by the sensors, a claim settlement file may be transmitted to a claimant.
    Type: Grant
    Filed: September 21, 2016
    Date of Patent: June 20, 2017
    Assignee: Allstate Insurance Company
    Inventors: Thomas Joseph Wilson, II, Stephen Lawrence Ihm
  • Patent number: 9665858
    Abstract: A method of managing a cardless payment transaction between a customer and a merchant includes receiving, from a device of a customer, an indication of consent to join the customer to a cardless payment transaction, where the cardless payment transaction is between one or more other customers and the merchant; receiving from the customer device, location data indicating that the customer device is in proximity with the merchant; joining the customer with the cardless payment transaction between the one or more other customers and the merchant; receiving transaction data between the merchant and each customer; and submitting, for each customer associated with the cardless payment transaction, a transaction between the merchant and the customer to a financial service for authorization.
    Type: Grant
    Filed: October 11, 2012
    Date of Patent: May 30, 2017
    Assignee: Square, Inc.
    Inventor: Abhay Kumar