Patents by Inventor Frank Anthony Nuzzi
Frank Anthony Nuzzi has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Publication number: 20240152927Abstract: A method for providing an indication of financial strength includes receiving a financial indicator and a predetermined spending budget status from a user. The predetermined spending budget status is associated with a spending budget for the user that has at least one payment account. The financial indicator is then associated with the predetermined spending budget status. A payment request that includes one of the at least one payment accounts is then received from a merchant. A current spending budget status is then determined using the spending budget and the at least one payment account. The financial indicator is then sent to the merchant for provision to the user in response to the current spending budget status being included in the predetermined spending budget status.Type: ApplicationFiled: October 9, 2023Publication date: May 9, 2024Inventors: Frank Anthony Nuzzi, James Brett Sowder, Sandra Lynn Godsey, Vincent Ng
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Patent number: 11972432Abstract: Systems and methods for providing risk determination in a crypto currency transaction include receiving, through a network via a broadcast by a first payer device, a first crypto currency transaction that includes a first payee public address. A first request for a determination of risk associated with the first crypto currency transaction is then identified in the first crypto currency transaction, with the first request including risk criteria. A first payee involved in the first crypto currency transaction is then identified using the first payee public address, and first payee risk information is accessed via at least one external risk information database based on the identification of the first payee. If it is determined that the first payee risk information satisfies the at least one risk criteria in the first request, the first crypto currency transaction is provided for addition to a block in a crypto currency public ledger.Type: GrantFiled: February 10, 2023Date of Patent: April 30, 2024Assignee: PayPal, Inc.Inventors: Sriram Ramakrishnan, Frank Anthony Nuzzi
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Publication number: 20230401619Abstract: A system and method for a trusted fulfillment agent network system is described. A network of trusted fulfillment agents is generated for a seller in an online marketplace. A transaction between a buyer and the seller corresponding to a listing of the seller in the online marketplace is accessed. A request is generated to the network of trusted fulfillment agents of the seller to fulfill a shipment of an item from the listing to the buyer on behalf of the seller.Type: ApplicationFiled: August 24, 2023Publication date: December 14, 2023Inventors: Srinivasan Raman, Frank Anthony Nuzzi
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Patent number: 11829704Abstract: Dynamic web content personalization may be used to alter a web page such that two different people who view that web page do not see the exact same content on that page. The present disclosure includes techniques that allow a web page to be structured, via underlying source code, so that content can be dynamically generated based on a user transaction history. Further, dynamic content customization can effectively change the layout and functionality of a web page in ways not previously contemplated. For example, different control elements may become accessible based on a particular contextual user profile assigned to a user based on a transaction history. Modular content modules may also have a different appearance for different users.Type: GrantFiled: March 31, 2022Date of Patent: November 28, 2023Assignee: PAYPAL, INC.Inventors: Justin Scott Lowery, Mark Robert Shulman, Adam Dustan, Keith Burns, Carla Lee Capps, Francisco Ulises Garcia Martinez, Sriram Ramakrishnan, Frank Anthony Nuzzi
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Patent number: 11810119Abstract: A method for providing an indication of financial strength includes receiving a financial indicator and a predetermined spending budget status from a user. The predetermined spending budget status is associated with a spending budget for the user that has at least one payment account. The financial indicator is then associated with the predetermined spending budget status. A payment request that includes one of the at least one payment accounts is then received from a merchant. A current spending budget status is then determined using the spending budget and the at least one payment account. The financial indicator is then sent to the merchant for provision to the user in response to the current spending budget status being included in the predetermined spending budget status.Type: GrantFiled: June 7, 2021Date of Patent: November 7, 2023Assignee: PAYPAL, INC.Inventors: Frank Anthony Nuzzi, James Brett Sowder, Sandra Lynn Godsey, Vincent Ng
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Publication number: 20230351363Abstract: A system, including: a non-transitory memory; and one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations including: receiving a transaction request from an endpoint device on a network, wherein the endpoint device is registered with a transaction service provider; locating, based on the transaction request, an authorization token corresponding to a payment mechanism, wherein the authorization token is stored to a memory device of the router; in response to receiving the transaction request, transmitting the authorization token to the transaction service provider to retrieve transaction information from the transaction service provider, wherein the transaction information includes payment data for a user of the endpoint device; and transmitting the transaction information to the upstream network location, wherein the upstream network location includes a merchant server.Type: ApplicationFiled: May 8, 2023Publication date: November 2, 2023Inventor: Frank Anthony Nuzzi
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Patent number: 11776031Abstract: A system and method for a trusted fulfillment agent network system is described. A network of trusted fulfillment agents is generated for a seller in an online marketplace. A transaction between a buyer and the seller corresponding to a listing of the seller in the online marketplace is accessed. A request is generated to the network of trusted fulfillment agents of the seller to fulfill a shipment of an item from the listing to the buyer on behalf of the seller.Type: GrantFiled: November 13, 2020Date of Patent: October 3, 2023Assignee: EBAY INC.Inventors: Srinivasan Raman, Frank Anthony Nuzzi
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Publication number: 20230237496Abstract: Systems and methods for providing risk determination in a crypto currency transaction include receiving, through a network via a broadcast by a first payer device, a first crypto currency transaction that includes a first payee public address. A first request for a determination of risk associated with the first crypto currency transaction is then identified in the first crypto currency transaction, with the first request including risk criteria. A first payee involved in the first crypto currency transaction is then identified using the first payee public address, and first payee risk information is accessed via at least one external risk information database based on the identification of the first payee. If it is determined that the first payee risk information satisfies the at least one risk criteria in the first request, the first crypto currency transaction is provided for addition to a block in a crypto currency public ledger.Type: ApplicationFiled: February 10, 2023Publication date: July 27, 2023Inventors: Sriram Ramakrishnan, Frank Anthony Nuzzi
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Patent number: 11681999Abstract: A system, including: a non-transitory memory; and one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations including: receiving a transaction request from an endpoint device on a network, wherein the endpoint device is registered with a transaction service provider; locating, based on the transaction request, an authorization token corresponding to a payment mechanism, wherein the authorization token is stored to a memory device of the router; in response to receiving the transaction request, transmitting the authorization token to the transaction service provider to retrieve transaction information from the transaction service provider, wherein the transaction information includes payment data for a user of the endpoint device; and transmitting the transaction information to the upstream network location, wherein the upstream network location includes a merchant server.Type: GrantFiled: July 6, 2021Date of Patent: June 20, 2023Assignee: PayPal, Inc.Inventor: Frank Anthony Nuzzi
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Patent number: 11621827Abstract: Blockchain validation is provided by receiving a first validation request of a blockchain. A hashing algorithm is applied to a first block of the blockchain to generate a first hash value. In response to the first validation request of the blockchain, a first image from a plurality of images is provided on a display device. The first image is selected to be provided for display on the display device based on the first hash value. The first image may be compared to a second image that was provided for display on the display device prior to the first validation request and that image was provided based on a second hash value to determine whether the first image and the second image are substantially similar, which indicates that no changes have been made to the data in the blockchain.Type: GrantFiled: April 5, 2021Date of Patent: April 4, 2023Assignee: PAYPAL, INC.Inventor: Frank Anthony Nuzzi
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Patent number: 11580551Abstract: Systems and methods for providing risk determination in a crypto currency transaction include receiving, through a network via a broadcast by a first payer device, a first crypto currency transaction that includes a first payee public address. A first request for a determination of risk associated with the first crypto currency transaction is then identified in the first crypto currency transaction, with the first request including risk criteria. A first payee involved in the first crypto currency transaction is then identified using the first payee public address, and first payee risk information is accessed via at least one external risk information database based on the identification of the first payee. If it is determined that the first payee risk information satisfies the at least one risk criteria in the first request, the first crypto currency transaction is provided for addition to a block in a crypto currency public ledger.Type: GrantFiled: November 30, 2020Date of Patent: February 14, 2023Assignee: PAYPAL, INC.Inventors: Sriram Ramakrishnan, Frank Anthony Nuzzi
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Patent number: 11538033Abstract: A dispute resolution cryptocurrency sidechain system includes a system provider that determines that a transaction amount for a transaction has been received at a first public ledger address on a public ledger from a second public ledger address and, in response, allocates a sidechain address on a dispute resolution sidechain ledger. The system provider then sends, through a network to a payer and a payee involved in the transaction, the sidechain address, and monitors the sidechain address for dispute communications. Based on detecting a first dispute communication that is received at the sidechain address and that is signed using a private key that identifies the payer, the system provider device causes a portion of the transaction amount that was received at the first public ledger address to be sent to the second public ledger address.Type: GrantFiled: September 28, 2020Date of Patent: December 27, 2022Assignee: PAYPAL, INC.Inventor: Frank Anthony Nuzzi
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Publication number: 20220222419Abstract: Dynamic web content personalization may be used to alter a web page such that two different people who view that web page do not see the exact same content on that page. The present disclosure includes techniques that allow a web page to be structured, via underlying source code, so that content can be dynamically generated based on a user transaction history. Further, dynamic content customization can effectively change the layout and functionality of a web page in ways not previously contemplated. For example, different control elements may become accessible based on a particular contextual user profile assigned to a user based on a transaction history. Modular content modules may also have a different appearance for different users.Type: ApplicationFiled: March 31, 2022Publication date: July 14, 2022Inventors: Justin Scott Lowery, Mark Robert Shulman, Adam Dustan, Keith Burns, Carla Lee Capps, Francisco Ulises Garcia Martinez, Sriram Ramakrishnan, Frank Anthony Nuzzi
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Publication number: 20220164780Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for enabling teller based services using an encryption based shared architecture. The teller based service is provided by at least one node or entity in a blockchain. A request and communication between the at least one node and a user, with indication of the node geolocation and ability to provide teller services is exchanged. The node provides access to cash, enables the verification of the user, and updates the ledger upon completion of the transaction.Type: ApplicationFiled: November 3, 2021Publication date: May 26, 2022Inventor: Frank Anthony Nuzzi
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Patent number: 11341313Abstract: Dynamic web content personalization may be used to alter a web page such that two different people who view that web page do not see the exact same content on that page. The present disclosure includes techniques that allow a web page to be structured, via underlying source code, so that content can be dynamically generated based on a user transaction history. Further, dynamic content customization can effectively change the layout and functionality of a web page in ways not previously contemplated. For example, different control elements may become accessible based on a particular contextual user profile assigned to a user based on a transaction history. Modular content modules may also have a different appearance for different users.Type: GrantFiled: April 5, 2021Date of Patent: May 24, 2022Assignee: PAYPAL, INC.Inventors: Justin Scott Lowery, Mark Robert Shulman, Adam Dustan, Keith Burns, Carla Lee Capps, Francisco Ulises Garcia Martinez, Sriram Ramakrishnan, Frank Anthony Nuzzi
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Publication number: 20210383335Abstract: A method includes: communicating data from a browser, operating on a computing device, to an electronic shopping cart during a transaction; receiving user-authenticating data from a user interface of the computing device; decrypting secure user data stored to the computing device; authenticating a user based on the user-authenticating data and the decrypted secure user data; in response to authenticating the user, transmitting an indication of payment from the browser to the electronic shopping cart; processing the transaction after transmitting the indication of payment; and recording the transaction in a blockchain stored on the computing device.Type: ApplicationFiled: August 17, 2021Publication date: December 9, 2021Inventors: Phanendra Mallampalli, Sriram Ramakrishnan, Frank Anthony Nuzzi
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Patent number: 11188889Abstract: A method for making a location-based automatic payment includes receiving an automatic payment instruction that designates a payee account. The automatic payment instruction is associated with a payer account in a database. A payment location is received and associated with the automatic payment request in the database. A payer device that is associated with the payer account is determined to be in the payment location and, in response, a payment request is sent over a network to make a payment from the payer account to the payee account.Type: GrantFiled: May 15, 2018Date of Patent: November 30, 2021Assignee: PAYPAL, INC.Inventor: Frank Anthony Nuzzi
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Publication number: 20210334783Abstract: A system, including: a non-transitory memory; and one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations including: receiving a transaction request from an endpoint device on a network, wherein the endpoint device is registered with a transaction service provider; locating, based on the transaction request, an authorization token corresponding to a payment mechanism, wherein the authorization token is stored to a memory device of the router; in response to receiving the transaction request, transmitting the authorization token to the transaction service provider to retrieve transaction information from the transaction service provider, wherein the transaction information includes payment data for a user of the endpoint device; and transmitting the transaction information to the upstream network location, wherein the upstream network location includes a merchant server.Type: ApplicationFiled: July 6, 2021Publication date: October 28, 2021Inventor: FRANK ANTHONY NUZZI
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Publication number: 20210320785Abstract: Blockchain validation is provided by receiving a first validation request of a blockchain. A hashing algorithm is applied to a first block of the blockchain to generate a first hash value. In response to the first validation request of the blockchain, a first image from a plurality of images is provided on a display device. The first image is selected to be provided for display on the display device based on the first hash value. The first image may be compared to a second image that was provided for display on the display device prior to the first validation request and that image was provided based on a second hash value to determine whether the first image and the second image are substantially similar, which indicates that no changes have been made to the data in the blockchain.Type: ApplicationFiled: April 5, 2021Publication date: October 14, 2021Inventor: Frank Anthony Nuzzi
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Publication number: 20210312463Abstract: A method for providing an indication of financial strength includes receiving a financial indicator and a predetermined spending budget status from a user. The predetermined spending budget status is associated with a spending budget for the user that has at least one payment account. The financial indicator is then associated with the predetermined spending budget status. A payment request that includes one of the at least one payment accounts is then received from a merchant. A current spending budget status is then determined using the spending budget and the at least one payment account. The financial indicator is then sent to the merchant for provision to the user in response to the current spending budget status being included in the predetermined spending budget status.Type: ApplicationFiled: June 7, 2021Publication date: October 7, 2021Inventors: Frank Anthony Nuzzi, James Brett Sowder, Sandra Lynn Godsey, Vincent Ng