Patents Issued in December 17, 2019
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Patent number: 10510037Abstract: A computer-based system that manages the shipment of one or more freight units includes a measuring system for measuring dimensions and weight of a freight unit, wherein the freight unit includes products, a database for storing rules for shipping freight, and a host computer system. The host computer system is for receiving information about the freight unit to be shipped, determining whether the products of the freight unit should be classified as density-based for a shipping rate determination, determining a density-based class of the freight unit, determining whether the linear feet parameter for the freight unit exceeds a predetermined threshold value, receiving a selection input for a selected carrier from the one or more carriers displayed on the web site, and upon receipt of the selection input for the selected carrier, creating a bill of lading.Type: GrantFiled: July 31, 2017Date of Patent: December 17, 2019Assignee: FIDA, LLCInventors: Michael Wagner, David Scherer
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Patent number: 10510038Abstract: The system and method for recognizing and counting products within images is disclosed. The products are recognized by carrying out a nearest-neighbor search in the template feature space using a k-d tree and the product count is then obtained by using a maximum feature repeatability index for each identified feature. The system also obtains product arrangement by fitting bounding boxes around each identified product. The count of boxes thus obtained may also provide the exact number of discrete products visible in an image. A second stage of grid-based search is also carried out in the neighborhood of each detected product to detect new products that might have been missed out in the previous step. This detection is based on a confidence measure including information like histogram matching and spatial location of products. This system is also useful in verifying planogram compliance for a given product.Type: GrantFiled: June 16, 2016Date of Patent: December 17, 2019Assignee: Tata Consultancy Services LimitedInventors: Swagat Kumar, Nishant Kejriwal, Sourav Garg
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Patent number: 10510039Abstract: A planning system can receive media advertising orders including flexibility attributes indicating whether the orders are flexible with regard to various different circumstances. The planning system can obtain both booked an unbooked inventory from a traffic and billing system, and determine associations or re-associations between the advertising orders and the booked and unbooked inventory based on the flexibility attributes. The planning system can then generate a non-guaranteed order including the associations or re-associations, and transmit the order to media delivery system. The planning system can obtain feedback and/or real time data that can be used to reassess existing associations, and in some cases adjust the flexibility attribute values.Type: GrantFiled: September 6, 2016Date of Patent: December 17, 2019Assignee: iHeartMedia Management Services, Inc.Inventors: Daniel N. MacTiernan, Amit Aggarwal, James Liao, Brian Kaminsky
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Patent number: 10510040Abstract: An administrative server stores replacement component information relating to at least one replacement component that can be distributed by a supplier in delivery service. A replacement component desired by the user is selected. A selected replacement component information relating to the at least one selected replacement component is transmitted to the administrative server. When the usage degree of at least one of the at least one selected replacement component indicated by the usage degree information reaches a predetermined usage degree, the ordering request specifying the at least one replacement component included in the selected replacement component information is transmitted to the supplier. Therefore, the supplier can offer the automatic sales service with a replacement component that the supplier distributes normally without preparing a wide variety of replacement components, which reduces burden on the supplier.Type: GrantFiled: November 28, 2016Date of Patent: December 17, 2019Assignee: BROTHER KOGYO KABUSHIKI KAISHAInventor: Yohei Kurokawa
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Patent number: 10510041Abstract: In some embodiments, methods and systems of monitoring featured product displays at retail sales facilities are described. For one or more products received at a retail sales facility and designated as a product for a featured product display at the retail sales facility, a predetermined time interval is set from a delivery time of the one or more products to the retail sales facility to a time for generating an indication that the one or more products has been set on the featured product display at the retail sales facility. Then after the expiration of the predetermined time interval, electronic data is generated indicating that the one or more products delivered to the retail sales facility has been set on the featured product display at the retail sales facility.Type: GrantFiled: January 4, 2017Date of Patent: December 17, 2019Assignee: Walmart Apollo, LLCInventors: Matthew A. Jones, Nicholaus A. Jones, Robert J. Taylor, Aaron J. Vasgaard
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Patent number: 10510042Abstract: Systems and methods for determining an inventory. The methods comprise: placing an RFID tag in a first operational mode in which at least one communication operation or device of the RFID tag is disabled or bypassed; performing first operations by the RFID tag to determine when it is time to begin communications in accordance with the time slotted communications scheme; transitioning an operational mode of the RFID tag from the first operational mode to a second operational mode in which the communication operation(s) or device of the RFID tag is enabled or no longer bypassed, in response to a determination that it is time for the RFID tag to begin communications; and transitioning the operational mode of the RFID tag back into the first operational mode when the RFID tag's communications with a remote tag reader for inventory determination purposes are complete or a time slot has expired.Type: GrantFiled: December 22, 2017Date of Patent: December 17, 2019Assignee: Sensormatic Electronics, LLCInventors: Craig E. Trivelpiece, Steve E. Trivelpiece
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Patent number: 10510043Abstract: A host computer site of a computer-based social network of users profiles users for targeting advertisements. The system obtains and/or infers demographic information from end-users using on-line means. The system next monitors end user activity and determines keywords therefrom. The system profiles an end user as a function of the determined end-user activity keywords and obtained/inferred end-user demographic information. Profiles of end-users are matched against targeted profiles of advertisements which are defined by respective advertisers. Using observed user behavior and other factors, ads are prioritized for selection and viewing placement. This results in (i) targeting advertisements to end-users based on end user profiles, and (ii) real-time customization of web pages viewed by end-users.Type: GrantFiled: June 12, 2006Date of Patent: December 17, 2019Assignee: Skyword Inc.Inventors: Thomas A. Gerace, Russell G. Barbour
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Patent number: 10510044Abstract: Systems and methods provide graphical form-based inspections in the field. The system includes a means for allowing a user to access digitized paper forms, such as inspection forms, in both a simplified, easy-to-complete list of questions and fields displayed in a linear form view, as well as an interactive graphical form completely replicated from the original paper document displayed in a graphical view. The system allows the user to toggle between the linear form and graphical views of the same form on the fly during an inspection process, thereby improving user interaction with and completion of inspection form or also can have a preferred view method based on limitations of a computer device or complexity of the form. The system further includes a means for allow the user to create customized workflows for the completion and tracking of inspection processes.Type: GrantFiled: January 8, 2015Date of Patent: December 17, 2019Assignee: LATISTA TECHNOLOGIES, INC.Inventors: Andrei Lavrov, Anatoliy Tishin, Patricia Remacle
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Patent number: 10510045Abstract: A computer server system and method are disclosed for personalization and customizable filtering of network search results and search result rankings, such as for Internet searching. A representative server system comprises: a network interface to receive a query from a respondent or co-respondent; at least one data storage device storing a plurality of return queries; and one or more processors adapted to access the data storage device and using the query, to select the return queries for transmission; to search the data storage device for corresponding pluralities of responses to the return queries from other co-respondents or respondents; to pair-wise score the responses and generate pair-wise alignment scores for respondent and co-respondent combinations; to sort and rank the combinations according to the alignment scores; and to output a listing of the sorted and ranked respondents or co-respondents to form the personalized network search results and search result rankings.Type: GrantFiled: May 4, 2019Date of Patent: December 17, 2019Assignee: Digerati, Inc.Inventors: Brian Balasia, Joseph Klecha, Robert Levy, Timothy Kocoloski
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Patent number: 10510046Abstract: Proactive resolution of coordination of benefits (COB) issues is provided. Payer data is received as membership files from a plurality of payers, the payer data including eligibility and member demographic data. Upon detection of new or modified information, a normalizing engine may be utilized to normalize name information, address information, and social security number information into a format for comparing with other stored payer data according to various rules. A matching engine may be utilized to compare the normalized payer data against other insurance provider data to determine COB instances by discovering matches or partial-matches of member information. A set of rules may be applied to determine a primary versus a secondary payer. An output file, which may comprise matches and COB determinations, raw data, and a web interface for accessing archived reports and files and to generate individual member searches, may be provided to one or more payers.Type: GrantFiled: March 28, 2013Date of Patent: December 17, 2019Assignee: PASSPORT HEALTH COMMUNICATIONS, INC.Inventors: Dustin Ryan Whittier, Richard W. Farmer
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Patent number: 10510047Abstract: A proxy email account management system configured to identify emails comprising receipt information and match the identified emails to respective transactions. The proxy email account management system may comprise a custodial email management system associated with a proxy email address. The custodial email management system may parse emails for receipt information and account-holder information, identify receipt information and account-holder information, determine if the emails correspond to a purchase made by an account-holder, and forward the email to a primary email address associated with the account-holder.Type: GrantFiled: October 31, 2018Date of Patent: December 17, 2019Assignee: CAPITAL ONE SERVICES, LLCInventors: Abdelkader Benkreira, Michael Mossoba, Joshua Edwards
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Patent number: 10510048Abstract: An activity stream based interaction model and systems implementing such a model are disclosed. In various embodiments, a text-based tag is recognized in a received communication stream, such as an activity stream. An action indicated by text included in the tag is determined and performed in response to receiving the tag. In some embodiments, a tag to be inserted into the communication stream may be determined automatically by a machine or a process running on a machine, for example a workflow engine.Type: GrantFiled: May 31, 2017Date of Patent: December 17, 2019Assignee: OPEN TEXT CORPORATIONInventors: Jeroen Mattijs van Rotterdam, Gary Frankel
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Patent number: 10510049Abstract: The present disclosure involves systems, software, and computer implemented methods for performing a simulation. In one example, a user performing an accrual simulation identifies a plurality of parameters associated with a simulation, where the simulation calculates time account accruals and the plurality of parameters are selected by a user on a user interface (UI) of the simulation. A publish subject is generated for the simulation. The simulation is called with the plurality of parameters and the publish subject, which can include selecting a time account and passing the publish subject through a plurality of processes associated with the selected time account. The simulation, determines whether one or more subscribers subscribe to the publish subject, and in response to determining that one or more subscribers subscribe to the publish subject, generates log information for each process in the plurality of processes.Type: GrantFiled: December 22, 2016Date of Patent: December 17, 2019Assignee: SAP SEInventors: Wilko Dann, Christian Ortmann
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Patent number: 10510050Abstract: Providing dynamic scheduling services without sharing calendar content, involving retrieving real time availability data and terms applied to calendar time cubes for an invitation to an event with one or more invited users, simultaneously synchronizing between calendars of the invited users in a meeting and event coordinating server to find a combination of common available matching time cubes while considering the terms including arrival time calculations (the common available matching time cubes defined as either “free”, “occupied”, “pending”, ane having a lower level of importance than the event currently created), setting the state of the matched time cubes as occupied at the calendar of each invited user; and rescheduling an event that was previously associated with the sequence of “occupied”, “pending” states with the lower level of importance, the already existing events being automatically subject to changes constantly and immediately.Type: GrantFiled: May 27, 2016Date of Patent: December 17, 2019Assignee: Private Secretary, Ltd.Inventors: Dana Meushar, Sharon Meushar
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Patent number: 10510051Abstract: Artificial intelligence is introduced into an electronic meeting context to perform various tasks before, during, and/or after electronic meetings. The tasks may include a wide variety of tasks, such as agenda creation, participant selection, real-time meeting management, meeting content supplementation, and post-meeting processing. The artificial intelligence may analyze a wide variety of data such as data pertaining to other electronic meetings, data pertaining to organizations and users, and other general information pertaining to any topic. Capability is also provided to create, manage, and enforce meeting rules templates that specify requirements and constraints for various aspects of electronic meetings.Type: GrantFiled: October 11, 2016Date of Patent: December 17, 2019Assignee: RICOH COMPANY, LTD.Inventors: Steven A. Nelson, Hiroshi Kitada, Lana Wong
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Patent number: 10510052Abstract: In a fee collection system a game machine as a charge collective apparatus is provided with a reader terminal for obtaining predetermined identification information from a card, and a reader control unit for outputting to a control board a signal equivalent to an output signal of a coin selector, wherein when a card ID is transmitted from the reader control unit, a management PC refers to charge setting data, determines the consumption amount of electronic money, and requests an account management server to process withdrawal of the consumption amount from an account of electronic money corresponding to the card ID. The management PC notifies the reader control unit the processing result transmitted from the account management server, and outputs to the control board a signal equivalent to the output signal of the coin selector when the withdrawal is successful.Type: GrantFiled: November 15, 2011Date of Patent: December 17, 2019Assignee: KONAMI DIGITAL ENTERTAINMENT CO. LTD.Inventors: Keina Kanisawa, Yusuke Kitakaze, Jiro Hotta, Masahiko Kami, Tadanobu Otaki, Toyofumi Kitano, Kazutaka Kubota, Satoshi Ueda, Hideaki Minoda
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Patent number: 10510053Abstract: A system and method for transaction bitcoin is described. Bitcoin can be sent to an email address. No miner's fee is paid by a host computer system. Hot wallet functionality is provided that transfers values of some Bitcoin addresses to a vault for purposes of security. A private key of a Bitcoin address of the vault is split and distributed to keep the vault secure. Instant exchange allows for merchants and customers to lock in a local currency price. A vault has multiple email addresses to authorize a transfer of bitcoin out of the vault. User can opt to have private keys stored in locations that are under their control. A tip button rewards content creators for their efforts. A bitcoin exchange allows for users to set prices that they are willing to sell or buy bitcoin and execute such trades.Type: GrantFiled: March 17, 2015Date of Patent: December 17, 2019Assignee: Coinbase, Inc.Inventor: Brian D. Armstrong
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Patent number: 10510054Abstract: A system implemented on an augmented reality electronic device includes scanning an item using the augmented reality device. Financial information is obtained from the scanned item. The financial information and an indication of user authentication are sent to a server computer. A confirmation is displayed on the augmented reality device that a financial transaction using the financial information has been completed.Type: GrantFiled: December 30, 2013Date of Patent: December 17, 2019Assignee: Wells Fargo Bank, N.A.Inventors: Kourtney Eidam, Christin Chan, Nicholas Edwardsen, Chad A. Hanson, Miranda C. Hill, Brian Michael Pearce, Dominik Vltavsky, Katherine A. Zagone
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Patent number: 10510055Abstract: Facilitating exclusive access to a workflow of a service provider via a mobile wallet interface involves, within a client runtime environment, activating through the interface a service provider-specific application so that the service provider-specific application has exclusive access to a secure electronic transaction workflow of the service provider associated with at least one of the service provider-specific application and the wallet, while being denied access by the client runtime environment to any other service provider services or resources.Type: GrantFiled: July 2, 2015Date of Patent: December 17, 2019Assignee: MASTERCARD MOBILE TRANSACTIONS SOLUTIONS, INC.Inventors: Mehul Desai, Nehal Maniar
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Patent number: 10510056Abstract: Methods and systems for receiving a proximity payment account number (PPAN) with payment transaction data for a payment transaction from a mobile device, the PPAN selected from at least one PPAN; mapping the received PPAN to a primary account number (PAN); generating an authorization request for the payment transaction based on the PAN and the payment transaction data; receiving an authorization response message; and providing an output including the authorization response message and the PPAN.Type: GrantFiled: November 2, 2011Date of Patent: December 17, 2019Assignee: Mastercard International IncorporatedInventors: Ronald D. Carter, Simon Phillips, Jonathan Main
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Patent number: 10510057Abstract: A method for transferring funds includes: 1) receiving, from a first user, a request to transfer a stored value to a second user; 2) identifying, based on a first user token and from a user database, a first entry containing information of a payment account of the first user; 3) causing a payment server to transfer funds corresponding to the stored value from the payment account of the first user to a stored-value account that is associated with a stored-value token; 4) associating the stored-value token with a second entry identifying a second user; 5) receiving a payment request initiated by the second user; 6) identifying the second entry based on a second user token included in the payment request; 7) updating funds in the stored-value account based on the payment request; and 8) transmitting at least a portion of the stored value to a merchant based on the update.Type: GrantFiled: June 17, 2015Date of Patent: December 17, 2019Assignee: SCVNGR, INC.Inventors: Seth Priebatsch, Harald Prokop, Ari Pollak, Jason Urton
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Patent number: 10510058Abstract: Aspects of the disclosure relate generally to a printing system that emits audio signals in response to the receipt of user requests received by the system, wherein a characteristic of the audio signals is based on the number of requests that awaiting user acknowledgment.Type: GrantFiled: October 3, 2017Date of Patent: December 17, 2019Inventor: Peter Kamvysselis
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Patent number: 10510059Abstract: A printer device includes: a receiver configured to receive pieces of information from a host device; a storage configured to store output information among the pieces of information received by the receiver; a printer configured to print information on a sheet based on printing information; a display communication device configured to transmit display information to a display device; an output destination selection module configured to select an output destination of the output information stored in the storage based on instruction information among the pieces of information received by the receiver from the host device; a display information generation module configured to generate, when the output destination selected by the output destination selection module is the display device, the display information based on the output information stored in the storage; a display communication device configured to output the display information generated by the display information generation module to the display deType: GrantFiled: December 13, 2018Date of Patent: December 17, 2019Assignee: SEIKO INSTRUMENTS INC.Inventor: Takanori Okayasu
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Patent number: 10510060Abstract: Systems, methods and apparatus are disclosed for remote management of payment terminals. Public keys, or other security elements can be received from a certification authority and distributed to the payment terminals. A merchant, or other entity affiliated with the payment terminals, can monitor the status of the software and security elements of the payment terminals.Type: GrantFiled: December 20, 2018Date of Patent: December 17, 2019Assignee: Worldpay, LLCInventors: Erik William Baar, Patricia Lynn Walters
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Patent number: 10510061Abstract: A method, electronic device, and computer readable storage medium, for capturing user inputs in a fillable electronic form into an electronic wallet. A method includes: populating fields in a fillable electronic form with secured information from record fields in an electronic wallet at the electronic device while in an online transaction with an online vendor's server; receiving user input entering changes into the fields in the fillable electronic form overwriting the secured information to changed information in the fillable electronic form; upon determining that changes have been made in any field in the fillable electronic form, copying the changed information from the fields in the fillable electronic form and writing the changed information into corresponding record fields as secured information in the electronic wallet; and continuing with the online transaction using the fillable electronic form with the online vendor's server.Type: GrantFiled: September 22, 2017Date of Patent: December 17, 2019Assignee: BlackBerry LimitedInventor: Eric Chan
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Patent number: 10510062Abstract: This disclosure describes systems, methods, and computer-readable media related to mobile device purchase flows. In some embodiments, a mobile device may obtain a uniform resource identifier (URI). The mobile device may launch a browser based at least in part on the URI. The mobile device may submit a first set of data to a server based at least in part on the URI and receive a re-direct URI. The mobile device may launch an application in response to receiving the re-direct URI from the server, wherein the application submits a second set of data to the server. The mobile device may facilitate completion of a transaction by the application based at least in part on matching the first set of data and the second set of data at the server.Type: GrantFiled: March 7, 2014Date of Patent: December 17, 2019Assignee: FIRST DATA CORPORATIONInventors: Vijay Kumar Royyuru, Brent Dewayne Adkisson, Raja Vel, Brent Allen Stains, Donncha O'Hegarty
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Patent number: 10510063Abstract: Disclosed are a mobile terminal and a method for controlling the same. The mobile terminal includes a case having a display unit that includes one or more touch regions; one or more payment modules, each of the one or more payment modules including one or more coils; and a controller that is configured to (i) identify a first touch region from the one or more touch regions, wherein the first touch region is a touch region where touch input is applied, (ii) determine a first payment module, from the one or more payment modules, that corresponds to the first touch region, and (iii) connect to the first payment module based on the determination of the first payment module.Type: GrantFiled: October 24, 2016Date of Patent: December 17, 2019Assignee: LG Electronics Inc.Inventor: Jaebeom Jeon
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Patent number: 10510064Abstract: A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.Type: GrantFiled: August 14, 2017Date of Patent: December 17, 2019Assignee: Visa U.S.A. Inc.Inventors: Joan Myers, Sara Garrison, Mark Carlson
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Patent number: 10510065Abstract: A device may receive an indication that an ATM transaction is to be conducted, display prompt(s) for a user to input user authentication credential information and to select an ATM transaction type, detect user input(s) that include a user authentication credential and a selection of a particular ATM transaction type, and receive, from an ATM device, a request to establish a communication session. The ATM device may include a sync button to initiate communicative coupling of the ATM device and the user device. The request may be based on a user selection of the sync button. The device may communicatively couple to the ATM device, and provide, to the ATM device, the user authentication credential and data regarding the particular ATM transaction type to cause the ATM device to perform the ATM transaction. The device may display information regarding the ATM transaction.Type: GrantFiled: May 8, 2018Date of Patent: December 17, 2019Assignee: Capital One Services, LLCInventors: Abdelkadar M'Hamed Benkreira, Michael Mossoba, Joshua Edwards
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Patent number: 10510066Abstract: A system, method, and program product for exchanging physical, virtual or fiat currency between two individuals at the same geographic location using account information stored on a server database. The payer activates payer mobile device using biometric identification, then inputs the amount to transfer along with a payee security code, then payer presses “send.” The payee activates payee mobile device using a biometric identification, then payee inputs the amount to receive along with a payer security code then payee presses “send”. Both the payer and the payee mobile devices simultaneously receive from the server an alphanumeric transaction code along with the amount. Transaction code and amount are displayed on the respective mobile screens. When payee verifies that both mobile devices display the same transaction code and dollar amount, then the payee presses “I Agree” key on payee mobile device. Then the funds are exchanged at the server database. Payer and payee may also exchange corresponding cash.Type: GrantFiled: March 31, 2019Date of Patent: December 17, 2019Inventor: Robert R. Lovett
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Patent number: 10510067Abstract: An illustrative method, system, and device for communicating a message over a network between a trusted service manager and a mobile device having a security element includes the steps of: providing a message having a header field and a message field; providing a number in the header field that is unique to the mobile device; providing a message in the message field, the message coming from the mobile device if communicated from the mobile device to a trusted service manager and coming from the trusted service manager if communicated from the trusted service manager to the mobile device; and providing a messaging protocol that enables the network to distinguish between a message having the unique mobile device number in the header field and a message that is without the unique mobile device number in the header field.Type: GrantFiled: June 13, 2017Date of Patent: December 17, 2019Inventor: George Baldwin Bumiller
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Patent number: 10510068Abstract: Items are sold via a wireless mobile telecommunications network in which multimedia presentations describing items offered for sale are broadcast for reception by wireless mobile devices. Users of the devices can transmit responses indicating requests to buy the items or bid for them in auctions.Type: GrantFiled: July 18, 2016Date of Patent: December 17, 2019Assignee: AT&T Mobility II LLCInventors: DeWayne Allan Sennett, Brian Kevin Daly, Venson M. Shaw
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Patent number: 10510069Abstract: A system and method are disclosed in which cash deposits may be made at merchant locations who support such deposits. Using a mobile phone or other hand-held device, a bank customer requests a cash deposit from a banking app, receives a barcode on the mobile device, the barcode containing embedded information indicating the cash deposit amount, and presents the barcode to the merchant, along with the cash to be deposited. Once the transaction with the merchant is complete, the account of the bank customer's account is credited with the cash amount. The bank uses behavioral and historical data of the bank customer to customize a cash deposit limit for the customer.Type: GrantFiled: July 17, 2019Date of Patent: December 17, 2019Assignee: CAPITAL ONE SERVICES, LLCInventors: Jeremy Phillips, Kevin Park, Thomas Dodson
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Patent number: 10510070Abstract: A dynamic transaction card that includes a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller/microprocessor storing firmware, Java applets, Java applet integration, and the like, an EMV processor, an energy storage component, one or more antenna (e.g., Bluetooth antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer. A display layer may include enhanced features such as the use of LED display components as a photosensor.Type: GrantFiled: April 14, 2016Date of Patent: December 17, 2019Assignee: CAPITAL ONE SERVICES, LLCInventors: David Wurmfeld, Tyler Locke
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Patent number: 10510071Abstract: The disclosed embodiments include computerized methods and systems that provide mobile application programs to devices of users and that administer these mobile application programs using tokens “pre-loaded” with data. In one aspect, the disclosed embodiments may generate a mobile payment product, such as a mobile wallet, that is “pre-loaded” with eligible financial products. For example, the disclosed embodiments may receive a request from a user device to obtain an application program that administers the mobile wallet, and in response to the received request, may obtain information identifying one or more financial products eligible for inclusion in the mobile wallet. The disclosed embodiments may generate a mobile wallet token based on the eligible financial product information and store the mobile wallet token in cloud-based storage. The user device may, upon authenticating the user, obtain the mobile wallet token and provision the mobile wallet with the eligible financial products.Type: GrantFiled: September 29, 2015Date of Patent: December 17, 2019Assignee: The Toronto-Dominion BankInventors: Hisham I. Salama, Edward Lounsbury, Paul Mon-Wah Chan
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Patent number: 10510072Abstract: The disclosed embodiments include computerized methods and systems that enable users to delegate a functionality of a mobile application through pre-loaded tokens. In one aspect, the disclosed embodiments may temporarily delegate or “loan” financial products loaded into a mobile wallet of a user to other eligible users. For example, the disclosed embodiments may receive, from a first user, a request to delegate a financial product to a second user to complete purchase transactions. In response to the received request, the disclosed embodiments may identify one or more temporal or financial conditions on the delegation, and may generate a corresponding mobile wallet token for transmission to a second user device. The second user device may, for example, process the mobile wallet token and establish the delegated financial provide in the second user's mobile wallet in accordance with the at least one of the temporal or financial conditions.Type: GrantFiled: September 29, 2015Date of Patent: December 17, 2019Assignee: The Toronto-Dominion BankInventors: Hisham I. Salama, Edward Lounsbury, Paul Mon-Wah Chan
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Patent number: 10510073Abstract: Embodiments are described that are directed to optimizing the provisioning of payment account credentials to mobile devices utilizing mobile wallets. In some embodiments, one of multiple provisioning schemes may be selectively chosen for payment account credential provisioning based upon a determined risk involved with a particular provisioning request. A low risk provisioning request leads to an immediate provisioning of a payment credential, whereas a provisioning request of high risk results in the provisioning request being denied. In some embodiments, medium risk provisioning requests will cause an additional user authentication to be performed before the payment account provisioning is finalized. The additional user authentication may occur using a separate communication channel than the channel in which the provisioning request was received.Type: GrantFiled: August 8, 2014Date of Patent: December 17, 2019Assignee: Visa International Service AssociationInventors: Erick Wong, Kiushan Pirzadeh, Oleg Makhotin, Glenn Powell, Igor Karpenko, John Sheets, Frederick Liu
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Patent number: 10510074Abstract: One-tap payment using a contactless card. An application may output an indication specifying to tap a contactless card to complete a transaction initiated in the application. The application may receive encrypted data generated by the contactless card based on a private key stored in the contactless card. The application may transmit a merchant identifier, a transaction identifier, and the encrypted data to an authentication server. The authentication server may verify the encrypted data based on the private key for the contactless card stored by the authentication server. A virtual account number server may generate a virtual account number. A merchant server may receive the merchant identifier, the transaction identifier, the virtual account number, an expiration date, and a card verification value (CVV), and process the transaction using the transaction identifier, the virtual account number, the expiration date, and the CVV.Type: GrantFiled: February 1, 2019Date of Patent: December 17, 2019Assignee: Capital One Services, LLCInventors: Jeffrey Rule, Paul Moreton, Lea Cody, Colin Hart, Wayne Lutz
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Patent number: 10510075Abstract: Systems and methods are provided that enable purchase and adjustment transactions using a visual indicium displayed on a mobile device. In some embodiments, these indicia are in the form of bar codes, include alias information, and do not include an account number associated with a payment account. A mobile device receives first user input, displays the indicium to a merchant device. The merchant device scans the indicium and sends a transaction request including the alias information to a payment network. The payment network determines an appropriate financial institution for processing the transaction, and sends the transaction request to the appropriate financial institution. Based on the result, the payment network sends an approval to the merchant device. Additionally, a mobile processor system sends new alias information to the mobile device for use in a next transaction.Type: GrantFiled: October 17, 2013Date of Patent: December 17, 2019Assignee: FIDELITY NATIONAL E-BANKING SERVICES, INC.Inventors: Hitesh Bajaj, Douglas G. Brown, Susan Hawkins
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Patent number: 10510076Abstract: A method for pairing wearable computing device activity data with additional data includes: storing a plurality of activity profiles, wherein each activity profile includes data related to activity of a wearable computing device including at least a device identifier and one or more activity data entries; storing a plurality of transaction data entries, wherein each transaction data entry includes data related to an electronic transaction including at least a primary account number and additional transaction data; receiving pairing data, wherein the pairing data includes at least a specific device identifier and a specific primary account number; identifying a specific activity profile where the included device identifier corresponds to the specific device identifier; identifying one or more transaction data entries where the included primary account number corresponds to the specific primary account number; and updating the identified specific activity profile to include at least the specific primary accountType: GrantFiled: February 17, 2016Date of Patent: December 17, 2019Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Kaushal Kurapati, Akshit Shah, Priyank Gandhi, Pankaj Rajendra Dubey
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Patent number: 10510077Abstract: The present disclosure relates to systems, methods, and devices for facial recognition identification for in-store payment transactions. In particular, a payment system allows a user to engage in a payment transaction with a merchant to purchase goods or services at an in-store checkout location. For example, one or more implementations involve receiving a payment request to initiate an in-store payment transaction between a user and a merchant, the payment request including an image of the user. One or more embodiments identify a payment account for the user based on the image and send a payment confirmation request to a client device of the user. Additionally, one or more embodiments process the in-store payment transaction based on a confirmation response received from the client device.Type: GrantFiled: May 3, 2016Date of Patent: December 17, 2019Assignee: Facebook, Inc.Inventor: Stephen Moore Davis
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Patent number: 10510078Abstract: A payment processing system continuously processes transactions. A group of transactions satisfying criteria within a recent measurement window are extracted from transaction data. A second group of transactions satisfying the criteria within a past baseline window are also extracted. An attribute of transactions is selected for analysis and a risk metric value is calculated for transactions in the measurement window having a particular attribute value. The same risk metric is used to calculate a baseline value for transactions in the baseline window having the same attribute value. The baseline value may be normalized and adjusted. The risk metric value is compared to the baseline value and an alert is generated if the risk metric value is greater. Any of a variety of risk metrics are used. Total dollar amount and total order count from the measurement window compared to similar from the baseline window are also used to inform the alert.Type: GrantFiled: November 24, 2015Date of Patent: December 17, 2019Assignee: VESTA CORPORATIONInventors: Jianning Le, John Lei, Jiaqi Yu, Charles Firkins, Robert Marssdorf
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Patent number: 10510079Abstract: A compliance determination and enforcement platform is described. A plurality of factors are stored in association with each of a plurality of accounts. A factor entering module enters factors from each user account into a compliance score model. The compliance score model determines a compliance score for each one of the accounts based on the respective factors associated with the respective account. A comparator compares the compliance score for each account with a compliance reference score to determine a subset of the accounts that fail compliance and a subset of the accounts that meet compliance. A flagging unit flags the user accounts that fail compliance to indicate non-compliant accounts. A corrective action system allows for determining, for each one of the accounts that is flagged as non-compliant, whether the account is bad or good, entering the determination into a feedback system and closing the account.Type: GrantFiled: September 21, 2016Date of Patent: December 17, 2019Assignee: Coinbase, Inc.Inventors: Bradley J. Larson, Linda Xie, Paul Jabaay, Jeffrey B. Kern
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Patent number: 10510080Abstract: A fraud prevention system is disclosed for preventing fraudulent activity on user accounts, the fraud prevention system interacting with a transaction tracking system for allowing association of transactions with user-defined categories. The fraud prevention system may include a computer memory including at least one database storing system settings specifying account-related events that require fraud prevention action and user-defined settings specifying account-related events that require fraud prevention action, wherein at least one of the user-defined settings pertains to events falling in one of the user-defined categories.Type: GrantFiled: August 31, 2017Date of Patent: December 17, 2019Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Satyan Ranganath, Stan Szwalbenest, Maura Rose, Marcia Keld, Manning Field, Ryan McInerney
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Patent number: 10510081Abstract: The present invention provides apparatuses and methods for analyzing patterns and generating rules related to actions taken in auditing cargo air waybills. Various embodiments of the invention may receive one or more user actions applied to an air waybill and analyze the user's actions to determine if a pattern of behavior is consistent in the user's actions. When one or more patterns are determined, one or more rules may be generated based on the patterns and the actions. If a generated rule is approved by a user, the generated rule may be applied to any future air waybill sent to an accounting system for auditing. The integration of pattern analysis and rule generation may ease some or all of the burden of manually auditing thousands of air waybills daily and reduce the temporal costs of internal audit staff and the financial costs of employing an outside company to audit cargo air waybills.Type: GrantFiled: October 28, 2015Date of Patent: December 17, 2019Assignee: Unisys CorporationInventors: Manu Kamalappan Nair, Abhijith Sreenivasan
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Patent number: 10510082Abstract: A financial management network is disclosed for optimizing interest return and/or deposit insurance coverage among a plurality of online accounts that may include one or more savings accounts and a checking account, by automatically allocating and transferring funds among the accounts without intervention of the account holder, in accordance with constraints that may be set by the financial management network, account holder, the account holder's financial advisor, and/or imposed by the associate financial institutions holding the accounts.Type: GrantFiled: January 17, 2017Date of Patent: December 17, 2019Assignee: Six Trees Capital LLCInventors: Gary E. Zimmerman, Richard D. Wu
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Patent number: 10510083Abstract: The present disclosure generally relates to a system and method of verifying a banknote. A computing system receives a first request to pre-approve a banknote. The first request includes one or more visual characteristics of the banknote. The computing system receives, from a second user, a second request to deposit a circulating banknote. The second request includes a representation of the circulating banknote. The computing system identifies that an account from which the representation of the circulating banknote originated is the first user account. The computing system compares the representation of the circulating banknote to the one or more visual characteristics of the banknote stored in the first user account. The computing system determines that the representation of the circulating banknote is equivalent to the pre-activated banknote by identifying the one or more visual characteristics of the pre-activated banknote in the representation of the circulating banknote.Type: GrantFiled: November 26, 2018Date of Patent: December 17, 2019Assignee: Capital One Services, LLCInventors: Adam Vukich, Abdelkader M'Hamed Benkreira, Joshua Edwards, Michael Mossoba
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Patent number: 10510084Abstract: Systems, methods and apparatus are disclosed for providing content associated with an information item on a distribution item using a computing device. In one aspect a method includes identifying an image of an information item on a distribution item. The method further includes processing, in a processor the image, to generate a data item determined by the information item. The method further includes decoding the data item to determine a set of attributes of the distribution item. The method further includes retrieving content associated with the distribution item using at least one of the attributes in the set of attributes. The method further includes delivering content associated with the distribution item.Type: GrantFiled: July 20, 2012Date of Patent: December 17, 2019Assignee: United States Postal ServiceInventors: Stephen M. Dearing, Kuldip K. Goyal, Gary C. Reblin, Margaret L. Choiniere
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Patent number: 10510085Abstract: A method, system and computer program product for time and location aware customer relationship management (CRM) is provided. A method for time and location aware CRM includes obtaining a location for a mobile computing device, forwarding the location to a CRM application, and responding to an identification of a contact in the CRM application that is proximate to the obtained location, by retrieving a related data record for the contact from the CRM application and by displaying the related record in the mobile computing device in a user interface for the CRM application. Further, a current time for the mobile computing device can be obtained and forwarded to the CRM application. Responsive to identifying a meeting in the CRM application that is scheduled proximate to the obtained time, a related data record for the meeting can be retrieved from the CRM application and displayed in the mobile computing device.Type: GrantFiled: March 15, 2013Date of Patent: December 17, 2019Assignee: SUGARCRM INC.Inventor: Majed Itani
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Patent number: 10510086Abstract: The present invention discloses an analysis system for analyzing the popularity of a target product. The popular product analysis system comprises an analysis server, a Bluetooth tracking device, a wireless base station, and a mobile device. The Bluetooth tracking device is configured on the target product. When the product was moved by non-specific consumers, the Bluetooth tracking device is for generating a product movement Bluetooth signal. The analysis server is for receiving the product movement Bluetooth signal through a wireless base station or a mobile device. According to the product movement Bluetooth signal, the analysis server can determine the popularity of the target product and the consumer information for providing a better location for storing target products and shopping suggestions for consumers.Type: GrantFiled: July 26, 2017Date of Patent: December 17, 2019Assignee: LINCTRONIX LTD.Inventor: Yu-Shun Lin