Patents Examined by William B. Bunker
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Patent number: 11151530Abstract: Described herein is a centralized order computing system that is configured to receive orders from a plurality of sources. The plurality of sources can include delivery applications, remote customer computing devices, and/or service computing devices associated with a merchant. The centralized order computing system may be configured to receive a plurality of orders from the plurality of sources, send the plurality of orders to a kitchen computing system associated with the merchant, receive a notification of order completion, and process the order.Type: GrantFiled: July 27, 2020Date of Patent: October 19, 2021Assignee: Square, Inc.Inventors: Bruce Bell, James Lintern, Brian Partridge, Ghassan Abu-Ghaida, Matthew T. Kursmark, Logan Johnson
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Patent number: 11132687Abstract: Systems and methods of reconfiguring machine learning models are disclosed. A method includes receiving, by a server computer, external data and determining, by the server computer, a machine learning model from a plurality of machine learning models, based on the external data. The plurality of machine learning models are in standby mode. The server computer configures an AI engine with the machine learning model. The method also includes receiving, by the server computer, a prediction request from a client computer, processing the prediction request with the AI engine to form a prediction response, and sending the prediction response to the client computer.Type: GrantFiled: October 4, 2019Date of Patent: September 28, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Fangfang Fu, Ajay Raman Rayapati, Yu Gu
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Patent number: 11132752Abstract: The disclosure generally relates to a system and method for managing and controlling data between entities in an oil and gas asset supply chain, and in particular to an excise tax management system and method to identify and reconcile tax filings, production volumes and operational reports. A data management system collects first data captured from a sensor or a data collector and second data provided by one of a subsidiary, franchise and third party contractor. The data management system secures and clusters the first data to generate one of a secure tax report, a tax estimation and tax information related to a key performance indicator (KPI), and secures and clusters the second data to generate one of secure data, a secure financial report related to one of the subsidiary, franchise and third party contractor of the oil and gas supply chain.Type: GrantFiled: June 8, 2015Date of Patent: September 28, 2021Assignee: SICPA HOLDING SAInventors: Charles Finkel, Mark Campbell, Christophe Van Ngoc Ty, Giorgio Caset, Friedrich Koebler, Aksel Nielsen
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Patent number: 11100589Abstract: A system for analyzing unmanned aerial missions configured to (i) receive, from a user, pre-mission data for a planned unmanned aerial mission; (ii) determine an insurance policy, premium, rate, mission-based rate, or usage-based rate based upon the pre-mission data, one or more business rules, and a plurality of historical mission data; (iii) transmit, to the user, the insurance policy; (iv) receive acceptance of the insurance policy from the user; (v) receive a plurality of telematics information from the unmanned aerial mission; and (vi) update at least one of the one or more business rules and the plurality of historical mission data based upon the plurality of telematics information.Type: GrantFiled: April 7, 2017Date of Patent: August 24, 2021Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Todd Binion, Jennifer Criswell Kellett, Jeremy Carnahan, Matt Megyese
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Patent number: 11055687Abstract: Embodiments of the present disclosure provide a money transfer network system that improves the performance of money transfer services provided via the money transfer network system and improves the performance of the underlying devices utilized to provide money transfer services. In particular, disclosed embodiments of a money transfer network system provide money transfer services that enable multiple users to engage in money transfer transactions as either a sending party or a receiving party in a manner that is similar to money transfer transactions executed between two users individually. Disclosed embodiments further enable a receiving party to request payment from a sending party, which may include scheduling recurring payments to be made via money transfer transactions.Type: GrantFiled: December 6, 2019Date of Patent: July 6, 2021Assignee: Moneygram International, Inc.Inventors: Paul Augusto Melgar, Scott Anthony Kostelecky, Cheryl Lynn Magers, Christian Michael Fuchs, Sonja Elizabeth Dery, Joseph Richard Braga, David Allan Motley, Gary Cecil Lugar, Constance Marie Arrington
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Patent number: 11049202Abstract: Embodiments of the present disclosure provide a computer and network architecture configured to provide one or more travel services to users. The one or more travel services may enable the user to obtain funds in the event that the user's financial cards and/or cash are lost or stolen while the user is travelling. Additionally, the one or more travel services may enable the user to obtain a temporary form of identification if the user's passport or other form of identification are lost or stolen while travelling. Other travel services may that may be provided include a financial card cancellation service, a credit bureau alert service, a prepaid card service, or other services that enable a user to recover from an emergency situation that arises while the user is travelling.Type: GrantFiled: December 6, 2019Date of Patent: June 29, 2021Assignee: Moneygram International, Inc.Inventors: Cory J. Feinberg, Kathleen L. Miller, Rene Humphrey Beasley, Jesus R. Montano
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Patent number: 11037115Abstract: A system and method for routing customers to an automated teller machine (ATM) is disclosed herein. A computing system receives, from a client device, a request to locate an ATM. The request includes a constraint of a desired ATM. The computing system identifies a plurality of ATMs proximate a location of the client device. The computing system pings the plurality of ATMs proximate the location of the client device to identify attributes associated with each respective ATM. The computing system receives the attributes from the plurality of ATMs proximate the location of the client device. The computing system compares the attributes from each respective ATM to historical ATM usage statistics associated with the client device. The computing system routes a user of the client device to a target ATM from the plurality of ATMs based at least partially on the historical ATM usage statistics.Type: GrantFiled: September 12, 2019Date of Patent: June 15, 2021Assignee: Capital One Services, LLCInventors: Abdelkader M'hamed Benkreira, Michael Mossoba, Joshua Edwards
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Patent number: 11023972Abstract: A TPC apparatus 12 is configured to be able to access a possessed quantity storage unit that stores a possessed quantity of an asset in a first entity and a possessed quantity of an asset in a second entity and a transaction information storage unit that stores first transaction information and second transaction information indicating a transaction of an asset between the first entity and the second entity. The TPC apparatus 12 determines whether or not a net base transaction based on the first transaction information and the second transaction information is possible by the possessed quantity of an asset in at least one of the first entity and the second entity. The TPC apparatus 12 pays for a transaction indicated by the first transaction information on a gross basis and pays for a transaction indicated by the second transaction information on a gross basis when it is determined that the net base transaction is possible.Type: GrantFiled: March 29, 2019Date of Patent: June 1, 2021Assignee: NOMURA RESEARCH INSTITUTE, LTD.Inventors: Hirotaka Hamada, Minoru Monda, Ayumu Kaneko, Shumpei Sawato
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Patent number: 10991046Abstract: Holistic tracking and monitoring of goals is provided. An indication of a first goal and a first set of attributes associated with the first goal and another indication of at least a second goal and a second set of attributes associated with the second goal are received. The first goal and at least the second goal are aggregated into a combined goal. A set of defined actions to achieve the combined goal is determined. Respective statuses of each defined action of the set of defined actions and a combined status for the combined goal are tracked. A representation of the combined status and the respective statuses are provided in a perceivable format. Further, the combined status and the respective statuses are updated in real-time.Type: GrantFiled: December 3, 2015Date of Patent: April 27, 2021Assignee: WELLS FARGO BANK, N.A.Inventors: Cem Hocaoglu, Chad Yarbrough
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Patent number: 10990944Abstract: There is provided a method for relaying a payment card detail during a telephone call between a customer's telephone and a vendor's telephone, the customer's telephone storing the payment card detail therein, the method comprising: initiating a telephone call between the customer and the vendor; the customer's telephone receiving a predetermined input; during the telephone call, the customer's telephone accessing the payment card detail stored in the customer's telephone based on the predetermined input; and the customer's telephone audibly relaying to the vendor the accessed payment card detail, wherein audibly relaying to the vendor the accessed payment card detail comprises the customer's telephone converting, using at least one text-to-speech algorithm, the accessed payment card detail to an audible message containing the payment card detail and audibly relaying the audible message during the telephone call.Type: GrantFiled: September 24, 2020Date of Patent: April 27, 2021Inventor: Cameron May
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Patent number: 10990952Abstract: User devices are disclosed for managing a plurality of supplemental payment sources of a user. One method includes: generating and displaying a user interface prompting a user to input: an identifier of a primary payment source account for applying resources to transactions originating at one or more merchants, the primary payment source account being accounted for in a first data structure of a shared ledger and having its identifier linked with one or more supplemental payment source accounts; identifiers of one or more supplemental payment source accounts for applying resources to transactions originating at one or more merchants, the supplemental payment source accounts being accounted for in second and subsequent data structures of the shared ledger; and preference settings for applying resources of the primary payment source account and the supplemental payment source accounts to transactions, based on identities or categories of merchants involved in the transactions.Type: GrantFiled: August 7, 2019Date of Patent: April 27, 2021Assignee: Worldpay, LLCInventors: Erik Baar, Richard Hill
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Patent number: 10977658Abstract: Systems and methods are disclosed for managing a plurality of supplemental payment sources of a user. One method includes: receiving a primary payment source account of a user for a purchase transaction originating at the merchant, the primary payment source account having an identifier associated with one or more supplemental payment source accounts; receiving supplemental payment source accounts of a user for applying to a payment transaction originating at the merchant; receiving, from a user device, preference settings to apply one or more of the supplemental payment source accounts to a payment transaction; receiving a transaction authorization request from the merchant or merchant acquirer for a transaction amount; and determining a combination of payment source accounts to use in the payment transaction, from a group comprising one or more supplemental payment source accounts and the primary payment source account, and any of one or more preference settings.Type: GrantFiled: July 18, 2019Date of Patent: April 13, 2021Assignee: Worldpay, LLCInventors: Erik Baar, Richard Hill
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Patent number: 10956877Abstract: Systems and methods are disclosed for least cost acquirer routing based on pricing models. One method comprises: receiving transaction-related information from a merchant, the transaction-related information including a payment network identifier of the payment network used in the initiated payment transaction; identifying the payment network used based on the payment network identifier determining the primary qualification criteria pertaining to the payment network used; determining an interchange rate and an interchange category based on the primary qualification criteria and the received transaction related information; determining a pricing model of an acquirer that yields the lowest fees applicable to the merchant based on one or more of, the transaction related information, the primary qualification criteria, and the interchange category; and transmitting the transaction-related information to the acquirer.Type: GrantFiled: July 3, 2019Date of Patent: March 23, 2021Assignee: Worldpay, LLCInventor: Thiru Srinivasan
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Patent number: 10951610Abstract: A computer-implemented user authentication method to provide users of computer devices interconnecting with computer information systems with a frequently changing numeric passcode generated via a time-synchronized mathematical operation of the mathematical constant Pi (?) without the need for a Two Factor Authentication process. The method operates the mathematical constant Pi, wherein an application software performs the mathematical operation of Pi to select a segment of Pi. The selected Pi segment becomes the user's passcode, referred in this invention as the PI ID Value (PIV). The method is dynamic, creating a new PIV for the computer user each time the user operates his/her computer device to gain access into a network or website. To attain the same Pi segment in real-time and authenticate the user, the network or website administrator utilizes in its computer server the same parameters and mathematical operation used by the user's computing device.Type: GrantFiled: September 3, 2020Date of Patent: March 16, 2021Inventor: Joseph Carlo Pastrana
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Patent number: 10949847Abstract: A method of choosing and authorising a transaction with a payment device used by a purchaser under the authority of an owner is described. An analytics engine receives an identifier for a good or service from the purchaser and uses the identifier to identify providers of the good or service and providing a set of provider recommendations for the good or service to the owner. An issuer server receives from the owner approval for one of the set of provider recommendations and determining purchase parameters for that provider recommendation and determines whether the purchase parameters for the transaction match the purchase parameters for the provider recommendation; whereby the transaction is not authorised if the purchase parameters do not match and will not be rejected by the payment control system if the parameters do match.Type: GrantFiled: February 15, 2019Date of Patent: March 16, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Michael Clay Atkins
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Patent number: 10949855Abstract: A computer-implemented method for authenticating credit cards via a mathematical operation of the mathematical constant Pi. Pi is stored in a user-operated computing device connected to a network, wherein an application software performs the said mathematical operation of Pi to select a segment of Pi. The selected Pi segment becomes the Dynamic Card Verification Value (DCVV) of a credit card. The method is dynamic, creating a new DCVV for the user's credit card each time the user operates his/her computer device to purchase products and services online with his/her credit card. To attain the same Pi segment, the issuer of the credit card utilizes in its computer server the same parameters and mathematical operation that the user utilizes on his/her computing device. Consequently, this process provides the user and issuer with a synchronized process to attain the same resulting DCVV to authenticate a credit card.Type: GrantFiled: January 14, 2020Date of Patent: March 16, 2021Inventor: Joseph Carlo Pastrana
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Patent number: 10943299Abstract: Methods and systems are provided herein that relate generally to automatically adjusting and distributing liquidity among accounts according to strategies set in an investment pool. For example in one embodiment, in an environment that includes a server computer in which strategy information set by a user and including, as minimum information, basic investment information, investment ratio information, and maximum cumulative loss rate information, as well as financial institution account information linked to each strategy are stored, and a financial institution server of the financial institution that operates an account corresponding to the account information, the present disclosure relates generally to a method in which the server computer adjusts and distributes liquidity with regard to the account.Type: GrantFiled: December 19, 2016Date of Patent: March 9, 2021Assignee: QARASOFT INC.Inventor: Changhwan Byun
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Patent number: 10943304Abstract: The present invention relates to a system and method for providing restitution to a beneficiary when a package shipped by an originating shipper to a destination address, by way of a designated package transport carrier, is left unattended and stolen prior to the package recipient taking receipt of the package. In an exemplary embodiment, a beneficiary is compensated, in accordance with a package repayment plan terms and conditions, when at least: a missing package report was created by the designated package transport carrier, the missing package report indicates the package was delivered to the destination address during the plan enforcement period, and the originating shipper and the designated package transport carrier declined to provide suitable remedy for the stolen package. Other embodiments include authorizing coverage for an address and package value, charging a transaction fee for authorizing coverage, and identifying fraud.Type: GrantFiled: April 2, 2019Date of Patent: March 9, 2021Inventor: Cary C Pappas
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Patent number: 10943293Abstract: Systems and methods are provided to facilitate a coordinated and concerted process between parties and activities related to procuring an asset, obtaining financing, and managing loans and debentures thereof. User interfaces generated via panels and screen displays are used to communicate between parties and coordinate activities related to processes involved with purchasing and obtaining an asset such as a home. Graphical displays provide users with a comprehensive overview of the process and illustrate the buyer's progress through the process. User inputs and system outputs effectuated through the user interfaces, along with methods of interaction between users and/or the system, provide a communication network to streamline information flow and orchestrate interaction.Type: GrantFiled: December 3, 2015Date of Patent: March 9, 2021Assignee: The PNC Financial Services Group, Inc.Inventors: Matthew Englehart, Michael T. Nordbusch, Sona Kulpati, Buffy E. DeWitt
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Patent number: 10943230Abstract: The invention relates to a method for controlling a transaction carried out between an electronic device comprising a secure memory and an external terminal by monitoring usage patterns of the electronic device, wherein a first and a second item of usage information are read when the transaction is carried out; a first list of data pairs is recorded on the secure memory, each of said pairs comprising the first and second (IU2) items of usage information; a second list of counters is recorded on the secure memory; an indicator for monitoring usage patterns of the electronic device is calculated on the basis of the first item of usage information, the second item of usage information, and/or a counter from the second list.Type: GrantFiled: December 29, 2017Date of Patent: March 9, 2021Assignee: IDEMIA FranceInventors: Francis Chamberot, Marco De Oliveira