Patents by Inventor German Scipioni
German Scipioni 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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Patent number: 9390305Abstract: A service provider receives, from a user, picture information captured by a user device from a picture mark associated with a product or service of a merchant. It determines a matching picture image by comparing the picture information with picture images in a server, previously registered by the merchant. It also determines, out of attributes previously registered by the merchant, a matching attribute set uniquely associated with the matching picture image. The attributes may be web links, mobile APPs, or any media files that the merchant desires to communicate to users about its products or services. The service provider then communicates to the user the matching attribute set to be loaded on the user device and direct the user to the web links, mobile APPs, or media files that the merchant predetermined.Type: GrantFiled: December 7, 2015Date of Patent: July 12, 2016Assignee: PAYPAL, INC.Inventor: German Scipioni
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Publication number: 20160140555Abstract: A user traveling abroad may decide to make a purchase transaction from a merchant, or exchange cash to foreign currency, or withdraw foreign currency from a funding source of the user. A service provider server may determine exchange rates and transaction fees for different funding sources of the user and/or at different currency exchange locations. The service provider server may further suggest a particular funding source and/or a currency exchange location. The user may conveniently make an informed decision regarding which currency exchange location to go to and which funding source to use. After the trip, the user may have leftover foreign currency. The user may exchange the foreign currency for credit in a restricted account that can be used to make purchases but cannot be cashed out. The credit may be converted to domestic currency and may conveniently be used to make purchases.Type: ApplicationFiled: November 14, 2014Publication date: May 19, 2016Inventor: German Scipioni
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Patent number: 9330384Abstract: A user having an account with a payment provider is able to go to a store or merchant location and pick an unregistered payment card associated with the payment provider. The card may have a magnetic strip encoded with a number unique to the card and a machine readable code, such as a QR/barcode, embossed thereon. The card may or may not have a corresponding number embossed or printed on the card. Once a card is selected, the user may open an application on the user's mobile smart phone or other device to scan or otherwise capture the number associated with the card. The user may scan the QR/barcode, take a picture of the number, speak the number into the device, or even manually enter the number into the user's device. The user, either before or after the number capture, also authenticates with the payment provider, such as by entering login credentials, which may include a password/PIN and a user identifier if needed.Type: GrantFiled: June 28, 2013Date of Patent: May 3, 2016Assignee: PayPal, Inc.Inventor: German Scipioni
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Publication number: 20160086009Abstract: A service provider receives, from a user, picture information captured by a user device from a picture mark associated with a product or service of a merchant. It determines a matching picture image by comparing the picture information with picture images in a server, previously registered by the merchant. It also determines, out of attributes previously registered by the merchant, a matching attribute set uniquely associated with the matching picture image. The attributes may be web links, mobile APPs, or any media files that the merchant desires to communicate to users about its products or services. The service provider then communicates to the user the matching attribute set to be loaded on the user device and direct the user to the web links, mobile APPs, or media files that the merchant predetermined.Type: ApplicationFiled: December 7, 2015Publication date: March 24, 2016Inventor: German Scipioni
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Publication number: 20160012442Abstract: An easy authentication or payment is made by creating an account associated with a particular web browser or device that accesses an on-line page. Payments are made, such as for full-access viewing of an article or viewing content without visible ads, by selecting a payment button on the on-line page. Selection can be with a specific swiping motion or device motion previously defined for the user. Once selected, the payment is made without the user having to authorize or authenticate. The motion can be used independently to authorize or authenticate the user through the device.Type: ApplicationFiled: September 21, 2015Publication date: January 14, 2016Inventor: German Scipioni
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Patent number: 9208397Abstract: A service provider receives, from a user, picture information captured by a user device from a picture mark associated with a product or service of a merchant. It determines a matching picture image by comparing the picture information with picture images in a server, previously registered by the merchant. It also determines, out of attributes previously registered by the merchant, a matching attribute set uniquely associated with the matching picture image. The attributes may be web links, mobile APPs, or any media files that the merchant desires to communicate to users about its products or services. The service provider then communicates to the user the matching attribute set to be loaded on the user device and direct the user to the web links, mobile APPs, or media files that the merchant predetermined.Type: GrantFiled: August 27, 2012Date of Patent: December 8, 2015Assignee: PAYPAL, INC.Inventor: German Scipioni
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Publication number: 20150339766Abstract: A method and a system to protect information are provided. For example, a system comprises a parser to parse user interface information to be included within a user interface to be displayed to a user by an information display application. The parser also identifies at least one field, within the user interface, to receive user information from a user. A detection module is provided to determine whether the user interface information is associated with fraudulent activity. A form fill module, in response to determining that the user interface is associated with fraudulent activity, provides a warning indicia in or over the at least one field, when the user interface is presented to a user by the display application. The form fill module may also disable the functionality of a user display application to automatically form fill the identified fields.Type: ApplicationFiled: August 6, 2015Publication date: November 26, 2015Inventors: German Scipioni, Avery Kadison
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Publication number: 20150324769Abstract: In accordance with embodiments of the present disclosure, systems and methods for facilitating financial transactions over a network include communicating with a financial institution over the network, wherein the financial institution includes a first user account related to a user. The systems and methods include receiving a fund transfer request from the financial institution on behalf of the user and establishing a second user account related to the user based on user information passed with the fund transfer request. The systems and methods include processing the fund transfer request by linking the first user account to the second user account based on the user information passed with the fund transfer request, receiving funds from the financial institution associated with the first user account, and depositing the received funds in the second user account on behalf of the user.Type: ApplicationFiled: July 17, 2015Publication date: November 12, 2015Inventor: Germán Scipioni
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Patent number: 9147210Abstract: A easy authentication or payment is made by creating an account associated with a particular web browser or device that accesses an on-line page. Payments are made, such as for full-access viewing of an article or viewing content without visible ads, by selecting a payment button on the on-line page. Selection can be with a specific swiping motion or device motion previously defined for the user. Once selected, the payment is made without the user having to authorize or authenticate. The motion can be used independently to authorize or authenticate the user through the device.Type: GrantFiled: September 29, 2009Date of Patent: September 29, 2015Assignee: PAYPAL, INC.Inventor: German Scipioni
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Patent number: 9135469Abstract: A method and a system to protect information are provided. For example, a system comprises a parser to parse user interface information to be included within a user interface to be displayed to a user by an information display application. The parser also identifies at least one field, within the user interface, to receive user information from a user. A detection module is provided to determine whether the user interface information is associated with fraudulent activity. A form fill module, in response to determining that the user interface is associated with fraudulent activity, provides a warning indicia in or over the at least one field, when the user interface is presented to a user by the display application. The form fill module may also disable the functionality of a user display application to automatically form fill the identified fields.Type: GrantFiled: February 28, 2006Date of Patent: September 15, 2015Assignee: PAYPAL, INC.Inventors: German Scipioni, Avery Kadison
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Publication number: 20150206135Abstract: Methods and systems are provided for loading money from a gift card into a digital wallet. The transfer can be done at a point of sale (POS), such as during a purchase of the gift card. The digital wallet can be a digital wallet of a user who is purchasing the gift card. The money in the digital wallet can be used to purchase products from the same merchant or another merchant. The money can be transferred from the digital wallet to any other person or entity.Type: ApplicationFiled: March 27, 2015Publication date: July 23, 2015Inventors: German Scipioni, Loc Nguyen
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Patent number: 9015066Abstract: Methods and systems are provided for loading money from a gift card into a digital wallet. The transfer can be done at a point of sale (POS), such as during a purchase of the gift card. The digital wallet can be a digital wallet of a user who is purchasing the gift card. The money in the digital wallet can be used to purchase products from the same merchant or another merchant. The money can be transferred from the digital wallet to any other person or entity.Type: GrantFiled: December 13, 2012Date of Patent: April 21, 2015Assignee: eBay Inc.Inventors: German Scipioni, Loc Nguyen
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Publication number: 20150100457Abstract: Methods and systems are provided for giving prompt, detailed ratings feedback (e.g., as a purchase is being made or a user is shopping or dining with a merchant) that can be subjected to a controlled delay in sending the actual feedback to merchants. “Merchant” is used in a general sense to include both providers of goods and providers of services, such as dining (e.g., restaurants, coffee shops), car maintenance, carpet cleaning, home remodeling, and plumbing, for example). The feedback may be provided from a consumer mobile device. Embodiments may provide information useable in real time (e.g., as the user is considering the ratings to be given) from the merchant back to the consumer for improving the ratings feedback or that the consumer can use, for example, for making purchasing decisions.Type: ApplicationFiled: October 8, 2013Publication date: April 9, 2015Inventor: German Scipioni
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Publication number: 20150095168Abstract: A merchandise holder, e.g., a drink coaster or a food placemat, is used to facilitate the purchase of food or beverage placed on the holder. A customer may use a mobile device to scan a QR code on a merchandise holder to purchase a beverage. Further, the merchandise holder may include an RFID scanner to keep track of the food or beverages consumed by the customer. The RFID scanner of the merchandise holder may scan RFID tags attached to the food or beverages consumed by the customer. A payment account of the customer may be associated with the merchandise holder to pay for the food or beverages placed on the holder. Accordingly, a customer may use the merchandise holder to order, keep track of, and pay for the food or beverages consumed by the customer.Type: ApplicationFiled: September 30, 2013Publication date: April 2, 2015Inventors: Matthew S. Zises, German Scipioni
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Publication number: 20150066682Abstract: Methods and systems can provide recommendations regarding gift packages. For example, a system can comprise a memory that stores information about a gift card recipient. A hardware processor can be in communication with the memory. The hardware processor can receive a communication that includes an indication of a desire of a user to purchase a gift card for the gift card recipient. The hardware processor can access the information. The hardware processor can determine, at least in part from the information, a recommendation for use of the gift card by the recipient. The hardware processor can facilitate sending of the recommendation to the user or the recipient, such as via text messaging or email.Type: ApplicationFiled: September 4, 2013Publication date: March 5, 2015Inventor: German Scipioni
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Publication number: 20150066799Abstract: Methods and systems for facilitating delivery of a package to a customer are described. The methods include receiving a delivery order, the order including a signature requirement; requesting a visual identification of an authorized receiver of the package from a user; receiving the visual identification from the user; and transmitting the visual identification to a shipping carrier.Type: ApplicationFiled: September 3, 2013Publication date: March 5, 2015Inventor: German Scipioni
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Publication number: 20150006273Abstract: Systems and methods for providing purchase incentives include receiving purchase information about purchases made from a plurality of merchants by a plurality of payers. The purchase information for each purchase is associated in a database with payers that made that purchase and merchants from which that purchase was made. A first subset of the purchases that are associated with a first merchant and a first payer are determined to qualify for a first incentive provided by the first merchant, and a second subset of the plurality of purchases that are associated with a second merchant and a second payer are determined to qualify for a second incentive provided by the second merchant. The first incentive is then sent over the network to a first payer device of the first payer, and the second incentive is sent over the network to a second payer device of the second payer.Type: ApplicationFiled: June 28, 2013Publication date: January 1, 2015Inventors: German Scipioni, Michael We Chun Wu
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Publication number: 20150006382Abstract: A user may use an online payment account of a payment service provider to convert an electronic payment into a code, e.g., a barcode, an image, a Quick Response (QR) code, or the like. The code may include information indicating a routing number, a payee, and an amount of payment. The user may bring the code to a participating merchant, who is registered with the payment service provider. The participating merchant may verify the code and may print a payment instrument, e.g., a money order, a cashier's check, or the like, for the user.Type: ApplicationFiled: June 27, 2013Publication date: January 1, 2015Inventor: German Scipioni
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Publication number: 20140249978Abstract: Example embodiments describe a method and a system to provide mobile payments on a secondary linked account. In example embodiments, a secondary account is linked to a primary account. One or more parameters from a primary account holder of the primary account is received that define limitations on access and use of funds in the secondary account by a secondary account holder. Based on the one or more parameters, a determination that the secondary account holder is allowed to make mobile payments is made. An identifier of a mobile device and a PIN from the secondary account holder is received to activate the mobile device to make the mobile payments in response to the determining that the secondary account holder is allowed to make the mobile payments.Type: ApplicationFiled: May 12, 2014Publication date: September 4, 2014Applicant: eBay Inc.Inventors: German Scipioni, Donald James Fotsch, Joseph Edward Black, Amy Poling, Alp Tiritogly
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Publication number: 20140165174Abstract: A method to authenticate a first computer system over a network to a second computer system is disclosed. A login user interface (UI) is presented to a user of the first computer system while disconnected from the second computer system. The login UI presents at least one input field to receive login input from the user and a security indicator that has been previously selected by the user and that is local to the first computer system. Login input is selectively received from the user based on a determination that the user recognizes the security indicator as having been previously selected by the user. A connection is established between the first computer system and the second computer system over the network. The received user input is transmitted using the established connection to the second computer system for authentication of the first computer system.Type: ApplicationFiled: February 13, 2014Publication date: June 12, 2014Applicant: EBAY INC.Inventors: German Scipioni, Avery Kadison, Naseem Hakim