Patents Issued in August 1, 2023
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Patent number: 11715052Abstract: An embodiment of the present invention monitors a process across a plurality of systems associated with a supply chain. A context is determined for an order, where at least one of the features of the context includes information from a networked sensing device. One or more first machine learning models identify a plurality of orders of an order history having features corresponding to the order. A second machine learning model is trained with the identified plurality of orders to predict the monitoring interval for the order. The second machine learning model predicts the monitoring interval for the order based on the context of the order. The monitoring interval for the order is dynamically adjusted based on the predicted monitoring interval, and the order is monitored through an order fulfillment process across the plurality of systems associated with the supply chain in accordance with the adjusted monitoring interval.Type: GrantFiled: April 27, 2021Date of Patent: August 1, 2023Assignee: International Business Machines CorporationInventors: Michael Yesudas, Raghuveer Prasad Nagar, Jagadesh Ramaswamy Hulugundi, Nithin Mathew
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Patent number: 11715053Abstract: Systems and methods describe providing for the dynamic prediction of employee attrition within an enterprise organization. The systems and methods involve connecting to internal data sources within the enterprise and external data sources outside of the enterprise; receiving internal and external feed data relating to a number of entities within the enterprise, including at least one or more employees of the enterprise; converting the internal and external feed data into normalized feed data within a single format; generating enterprise graphs based on the normalized feed data, with each enterprise graph representing relationships between entities within the enterprise at a point in time; generating a risk assessment model related to changes in the enterprise graphs over time; and providing to enterprise users, based on the risk assessment model, one or more attrition probabilities for at least a subset of the employees of the enterprise.Type: GrantFiled: February 5, 2021Date of Patent: August 1, 2023Assignee: Praisidio Inc.Inventors: Vahed Qazvinian, Kenneth R. Klein
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Patent number: 11715054Abstract: Techniques are described for automatically generating meta-alerts based on operational and security risk alert volumes for an entity. In particular, a central device receives entity alert information from other devices in a computer system of an enterprise business, which may have office branches that are each staffed by employees. The central device compares alert volumes of a given entity for a given period of time (e.g., a month) to one or more baseline thresholds determined based on the average alert volume of peer entities during the same period of time and the entity's own historical alert volumes to identify spikes or increases in the volume of alerts for the given entity. If the entity is trending high for the period of time, the central device generates a meta-alert to bring awareness to the relatively high volume of alerts identified for that entity.Type: GrantFiled: November 22, 2021Date of Patent: August 1, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Daniel Jeffery Johnson, Matthew Todd Brown, Christopher Smith, Ruoding Wong, Joe Heger, Rachel Nemecek
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Patent number: 11715055Abstract: Provided is a manufacture and sales strategy planning method comprising a step of determining, based on information related to a sales plan of a plurality of products and a production capacity of a production facility to produce each product, whether there is any spare capacity in the production capacity of the production facility in relation to the sales plan for each of the products, a step of applying one among a plurality of profit improvement strategies, according to an availability of the spare capacity, to each product determined in this step, and calculating an improvement effect of each product, a step of selecting, based on each calculation result obtained in this step, a specific product among the plurality of products in which the improvement effect has exceeded a set value with regard to each of the plurality of profit improvement strategies, a step of extracting, for each profit improvement strategy, an item which satisfies a restricting condition of sale or production of the specific product seType: GrantFiled: March 4, 2021Date of Patent: August 1, 2023Assignees: HITACHI, LTD., HITACHI SOLUTIONS, LTD.Inventors: Hiroaki Nasu, Nobuhiro Kakeno, Yasuhiro Ozawa, Sana Imakubo, Yuuichi Terazaki
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Patent number: 11715056Abstract: A device that is configured to establish a network connection between a user and an agent. The device is further configured to identify a first issue type for the user and to identify a first resolution type provided by the agent based on a conversation between the user and the agent. The device is further configured to identify a performance score from a resolution mapping based on a combination of the first issue type and the first resolution type. The device is further configured to identify a first knowledge area that is associated with the first issue type and to update a first knowledge score that is associated with the first knowledge area in a performance record for the agent based on the performance score. The device is further configured to send a recommendation to the agent based at least in part on the performance score.Type: GrantFiled: March 16, 2021Date of Patent: August 1, 2023Assignee: Bank of America CorporationInventors: Ramakrishna R. Yannam, Donatus Asumu, Ion Gerald McCusker, Saahithi Chillara, Ashwini Patil, Ravisha Andar, Emad Noorizadeh, Priyank R. Shah
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Patent number: 11715057Abstract: A retail environment is modeled and simulated based on aggregated operational data. Real-time aggregated data for operations of the retail environment is detected and predictive adjustments to the retail environment are provided for making one or more changes to the retail environment based on the modeled and simulated environment.Type: GrantFiled: February 29, 2016Date of Patent: August 1, 2023Assignee: NCR CorporationInventor: Alfred George White, II
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Patent number: 11715058Abstract: An information system that manages collection from and delivery to one or more areas in a vehicle that can be used as a collection-delivery destination of an item, the information system includes: an acceptance unit configured to accept a request for collection and delivery of the item from and to the areas; an acquisition unit configured to acquire parking position information and attribute information; and a management unit configured to determine whether a delivery vehicle carrying the item will be able to arrive at a parking position based on the parking position information and the attribute information.Type: GrantFiled: December 21, 2018Date of Patent: August 1, 2023Assignee: TOYOTA JIDOSHA KABUSHIKI KAISHAInventors: Kei Kanaoka, Shun Maeda, Yoshihiro Murozaki, Hiroko Tsujimura, Daiki Kaneichi, Kuniaki Jinnai
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Patent number: 11715059Abstract: In some embodiments, apparatuses and methods are provided herein useful to monitoring condition compliance. In some embodiments, a system comprises a child device comprising a child device sensor configured to capture condition data, a child device memory configured to store the condition data, a child device transmitter configured to transmit the condition data, and a control circuit configured to cause transmission of a discovery message, receive acknowledgment messages, determine if the discovery message reached a parent device, if the discovery message reached a parent device, cause transmission of the condition data to the parent device, and if the discovery message did not reach a parent device, determine, from the other devices, one of the other devices, and cause transmission of the condition data to the one of the other devices, and the parent device configured to store and transmit condition data received from a plurality of child devices.Type: GrantFiled: October 9, 2019Date of Patent: August 1, 2023Assignee: Walmart Apollo, LLCInventors: Christopher M. Johnson, Jeffrey D. Thiessen, Carla Denise Sharpe, Anand Banik
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Patent number: 11715060Abstract: According to some embodiments of the present disclosure, an intelligent tracking system is disclosed. The intelligent tracking system includes one or more passive tracking devices, an exciter, and a tracker. Each passive tracking device includes one or more transceivers and is energized by an electromagnetic frequency. In response to being energized each passive tracking device transmits a short message. The exciter emits the electromagnetic frequency. The tracker receives short messages from the one or more passive tracking devices and confirms the presence of the one or more passive tracking devices in a vicinity of the tracker based on the received messages.Type: GrantFiled: November 10, 2021Date of Patent: August 1, 2023Assignee: X Development LLCInventors: Dean Mamoru Kawaguchi, Alberto Vidal, Edward John Boling, Prasad Panchalan, Amit Lal, Justin C. Kuo, Edward Maurice Farrell
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Patent number: 11715061Abstract: A system and method are presented that utilize an unaltered application programming interface (API) provided by a shipping aggregator to provide a customer-facing aggregation service. Standard shipping aggregator APIs are unable to accept customer-specified ship-from addresses and customer-specified package details. This is especially true when using standard e-commerce platforms. Custom integration programming operates between the e-commerce platform and the unaltered shipping aggregator API in order to provide customer-facing aggregation services. Locker locations also form part of the system, allowing customer-facing aggregation using carrier agnostic lockers for ship-from and ship-to locations.Type: GrantFiled: March 17, 2020Date of Patent: August 1, 2023Assignee: ShipPromo, LLCInventor: Jeffrey Merle
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Patent number: 11715063Abstract: The present disclosure relates to a method for providing an electronic shipment certificate performed by a server providing an integrated logistics products management service. The method includes operations of: obtaining a digital code including shipment information generated during a shipment process of a logistics product; obtaining a QR code generated through a device for measuring a delivery state during the delivery process of the logistics product; linking shipment information and shipment state information on the logistics product on the basis of the digital code and the QR code; and providing the shipment information on the logistics product through an external terminal on the basis of the QR code displayed on a screen of an apparatus. The QR code includes sensing data measuring at least one among temperature, acceleration, humidity, illumination, inclination, impact, and location through a sensor of the apparatus during the delivery process of the logistics product.Type: GrantFiled: August 18, 2022Date of Patent: August 1, 2023Assignee: WILLOG CO., LTD.Inventors: Sung Hoon Bae, Ji Hyun Yun
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Patent number: 11715064Abstract: The present disclosure relates to an inventory system, wherein the inventory system includes at least one Internet of Things (IOT) inventory device having at least one pressure sensor and a radio field antenna, wherein a weighing surface is located on a top side of the at least (IOT) inventory device, and wherein the radio field antenna is positioned beneath the weighing surface.Type: GrantFiled: June 29, 2022Date of Patent: August 1, 2023Assignee: BARTRAC, INCInventors: Robert Alan Conrad, Andrew Thomas Yee
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Patent number: 11715065Abstract: Systems and methods which provide localized item procurement fulfilment using virtual distribution center inventory are described. For example, stocking locations of one or more intermediaries may provide virtual distribution center inventory for use by a supplier in facilitating localized item procurement fulfilment for acquirers. A supplier may provide a web based sales platform allowing acquirers to purchase items of the supplier's goods wherein the item procurement fulfilment is configured to utilize a network of intermediaries to facilitate competitive and satisfactory delivery timeframes, such as next day, same day, and even on-demand delivery of the goods, using economy shipping options.Type: GrantFiled: September 21, 2020Date of Patent: August 1, 2023Assignee: Auctane, Inc.Inventor: John Roland Clem
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System and method for management of perpetual inventory values based upon customer product purchases
Patent number: 11715066Abstract: A data structure programmatically links the first product to a second product. The second product is historically purchased by the customer whenever the customer has also purchased the first product. A determination is made as to whether the customer purchased the second product together with the first product based upon the sales data. When the customer has failed to purchase the second product with the first product, instructions are transmitted to the retail store over the network to perform a verification that the second product is out-of-stock. An outcome of the verification from the retail store is received via the network. A determination is made as to a level of certainty that the second product is actually out-of-stock based upon an analysis of the sales data and the outcome of the verification. When the level of certainty exceeds a predetermined threshold, the PI value is adjusted to zero.Type: GrantFiled: November 5, 2020Date of Patent: August 1, 2023Assignee: Walmart Apollo, LLCInventors: Greg A. Bryan, Cristy C. Brooks, David Blair Brightwell, Benjamin D. Enssle, Matthew A. Jones -
Patent number: 11715067Abstract: An automated method for managing, delivering and tracking dynamic content. The method includes processing customer data related to one or more customers, managing and selecting textual and graphical dynamic content to specify delivery to targeted subsets of customers as a function of business rules, and delivering that content to targeted subsets of customers via one or more appropriate customer touchpoints. A portion or location within the customer touchpoint is identified as a dynamic destination area for receipt of the selected content, which then contains that content qualified for delivery to the targeted subset of customers via the customer touchpoint dynamic destination area through execution of targeting business rules. The qualification, delivery and responses to the delivered content are tracked for each customer, across each touchpoint, and targeting rules are refined and updated to encompass past qualification, delivery, and responses.Type: GrantFiled: July 26, 2007Date of Patent: August 1, 2023Assignee: MESSAGEPOINT INC.Inventors: Nick Romano, Steve Biancaniello, Kevin Dougan, Steve Mayers, Eric Scholey, Jeff Janssen
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Patent number: 11715068Abstract: A data processing apparatus includes a central processing unit that receives user operations for changing a portion of a document, and edits the document by a first user and a second user in parallel. The first user and the second user each have an editing right and, in response to the editing rights, an editing page is displayed differently depending on the user.Type: GrantFiled: October 26, 2021Date of Patent: August 1, 2023Assignee: FUJIFILM Business Innovation Corp.Inventors: Kimitake Hasuike, Yasuhiro Hirano
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Patent number: 11715069Abstract: Disclosed herein are system, method, and computer program product embodiments for delivering and receiving messages. An embodiment operates by allowing users to subscribe to various chat panels of a messaging system. Users will be able to utilize the chat panels to send and receive messages. In a corporate context, an administrator may be able to quickly send unidirectional messages to employees as well as assign users to mandatory divisions based on job function. In an embodiment, the messaging system also allows for email integration and graphical user interface workspace configuration.Type: GrantFiled: February 2, 2021Date of Patent: August 1, 2023Assignee: WORKSTORM.COM LLCInventors: Jeffery Bay, Anatoliy Yudovich, Nicholas Stech, Adrian Miller, Raj Fernando
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Patent number: 11715070Abstract: Workers often forget to enter clockings indicating when they have arrived or left work or transferred between work activities. Various embodiments provide a system that predicts the risk of potential missed worker clockings and delivers alerts to the workers and/or their managers when that risk is high. The system analyzes historical data to find previous instances of missed clockings at an organization, extracts feature information regarding the context of the missed clockings, and calibrates a missing clocking risk model. The model is then used in either an online or batch mode to predict the risk of workers missing upcoming scheduled clockings. Based on these risk scores and system configurations, alerts are generated for employees and managers reminding them about the upcoming clockings and lowering the amount of missed clockings and subsequent remedies.Type: GrantFiled: April 11, 2019Date of Patent: August 1, 2023Assignee: Kronos Technology Systems Limited PartnershipInventors: Michael A. Scarpati, Thomas J. Walsh, Gregory Lamarre Anderson
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Patent number: 11715071Abstract: A wrist terminal includes a communicator, timer, and at least one processor. The communicator receives a beacon ID transmitted from a beacon transmitter installed in a workplace. The timer obtains date-and-time information on a date and time at which the communicator receives the beacon ID. The processor performs a determining process and recording process. In the determining process, the processor determines whether a work status in the workplace is a work start or a work end, based on a state of the wrist terminal when the communicator receives the beacon ID. In the recording process, the processor records, in a storage, log information that includes the date-and-time information obtained by the timer and work status information on the work status determined in the determining process, the date-and-time information and the work status information being associated with each other.Type: GrantFiled: March 9, 2021Date of Patent: August 1, 2023Assignee: Casio Computer Co., Ltd.Inventor: Kazuyasu Yamane
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Patent number: 11715072Abstract: The system, devices and methods herein enable autonomous and tele-operation of tele-operated robots for maintenance of a property around known and unknown obstacles. A method may include using an unmanned aerial vehicle for obtaining additional data relating to the property and obstacles within the property and plan a path around the obstacles using data from sensors on-board the tele-operated robot and the aerial image. A method may also provide optimization of total time needed for performing the property maintenance and the labor costs in situations where manual intervention is needed for navigating the tele-operated robot around obstacles on the property or for removing obstacles on the property.Type: GrantFiled: December 21, 2020Date of Patent: August 1, 2023Assignee: ELECTRIC SHEEP ROBOTICS, INC.Inventors: Naganand Murty, Gunjit Singh, Jarrett Jeffrey Herold
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Patent number: 11715073Abstract: According to an embodiment, an information processing apparatus includes a communication interface, a shop database, a maintenance worker database, and a controller. The controller determines a degree of influence of a failure on a shop on the basis of failure information received by the communication interface and shop information stored in the shop database. The controller compares the determined degree of influence with a degree of influence in other shop and determines the priority of a response to the failure in the shop. The controller selects an appropriate maintenance worker from maintenance workers stored in the maintenance worker database on the basis of the determined priority.Type: GrantFiled: December 23, 2020Date of Patent: August 1, 2023Assignee: Toshiba Tec Kabushiki KaishaInventor: Shunichiro Kamamoto
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Patent number: 11715074Abstract: A processor-implemented method is disclosed. The method includes: obtaining sensor readings from sensors associated with a first home and a plurality of second homes; determining a set of prioritized maintenance items for the first home based on comparing sensor readings from sensors associated with the plurality of second homes to identify and rank maintenance items; detecting one or more maintenance events associated with one or more of the set of the prioritized maintenance items for the first home; and outputting a live home score for the first home based on detecting the one or more maintenance events.Type: GrantFiled: December 9, 2021Date of Patent: August 1, 2023Assignee: The Toronto-Dominion BankInventors: Salvatore Aspro, Masashi Kobayashi, Jinoj Titus
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Patent number: 11715075Abstract: A method including receiving a funds transfer request initiated by a sender to facilitate a transfer of funds to a recipient. The funds can be transferred from a sender account of the sender at a sender financial institution to a recipient account of the recipient at a recipient financial institution. The funds transfer request can include a public token for the recipient but not including an account number of the recipient account at the recipient financial institution. The public token for the recipient can be confirmed as useable to contact the recipient based on one or more responses by the recipient to one or more authentication request messages provided to the recipient using the public token. The method also can include determining a private token for the recipient account using an information directory based on the public token. The private token can be embedded with information that identifies the recipient financial institution.Type: GrantFiled: May 2, 2022Date of Patent: August 1, 2023Assignee: EARLY WARNING SERVICES, LLCInventors: Sri Muthu, John Feldman, Esther Pigg, Jeffrey Cornman, Alfonso McMillian
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Patent number: 11715076Abstract: There are provided systems and methods for user interfaces for account statement assignment. A user may engage in transactions over a time period, such as purchases of goods, services, or other items using a physical payment card associated with an online transaction processor. A statement may be issued at the completion of the time period, where the statement may include account information requiring a payment by the user, such as a statement balance. The user may request for another user to provide a payment for all or a portion of the balance using one or more user interfaces of a peer-to-peer payment and social networking platform. Thereafter, a request may be provided to the other user, which may request the payment. The other user may process the payment, which may be used to provide funds directly to the statement balance.Type: GrantFiled: June 30, 2020Date of Patent: August 1, 2023Assignee: PAYPAL, INC.Inventors: Shilpa Dhar, Jason Brightman, Alexander C. Simonson
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Patent number: 11715077Abstract: Computer implemented system and methods are provided for evaluating the effectiveness of personalized automated teller machines. In some embodiments, the system may include a camera, an automated teller machine comprising a user interface based on a user profile and at least one server geographically remote from the automated teller machine. The server may be configured to receive a recorded user interaction, receive transaction data, determine an emotion state, extract environmental data, determine a quality indicator for the recorded user interaction, update a user profile, and transmit to the automated teller machine the updated user profile.Type: GrantFiled: June 28, 2019Date of Patent: August 1, 2023Assignee: Capital One Services, LLCInventor: David K Wurmfeld
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Patent number: 11715078Abstract: A system includes a location identifier device configured to receive location information from a user device; a surveillance device configured to capture video surveillance; and a computer system. The computer system is configured to: receive the location information; receive a request for an ATM transaction that includes attribute information associated with the user; obtain, from the received video surveillance, captured attribute information associated with the user; determine that the captured attribute information at least partially matches the received attribute information; transmit a transaction code to the user device based on (i) the location information from the user device being within the area, (ii) the captured attribute information at least partially matching the attribute information, and (iii) the identification of the user associated with the request; and facilitate the ATM transaction based at least partially on the received transaction code.Type: GrantFiled: June 6, 2022Date of Patent: August 1, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Miranda C. Hill, Alicia Y. Moore, Steven E. Puffer, Jerome Rhodes, Susan Symons, Michael R. Thomas, Young M. Yang
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Patent number: 11715079Abstract: A memory device is interfaced to a SST; an identifier and, optionally, an invalid identifier list are received from the device. The invalid identifier list is updated to the SST when the invalid identifier list is a more recent version of a SST invalid identifier list. The identifier is invalidated when the identifier is matched in the invalid identifier list or when an expiration date associated with the identifier has expired. When the identifier is invalid, access to administrative features of the SST is denied; and when the identifier is valid access to the administrative features is granted.Type: GrantFiled: July 2, 2019Date of Patent: August 1, 2023Assignee: NCR CorporationInventors: Michael James Neilan, Kevin Horgan
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Patent number: 11715080Abstract: Systems and methods are provided for making purchases at a merchant point-of-sale (POS) device using a mobile device. Transaction information may be communicated from the POS device to the mobile device and an authorization from the purchaser to proceed with the transaction returned to the POS device from the mobile device. After authorization, the POS device may communicate the transaction information together with an identifier of the mobile device to a financial institution to process payment. The financial institution may confirm the transaction with the purchaser at the mobile device using the identifier of the mobile device. Upon receiving a confirmation response from the mobile device, the financial institution may then transfer funds from a purchaser account to a merchant account.Type: GrantFiled: July 15, 2020Date of Patent: August 1, 2023Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Barrington Riverton Saint Aloysius Young, Bharat Prasad, Bradly Jay Billman
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Patent number: 11715081Abstract: A wireless checkout system includes peripheral stations, a server that stores location information indicating a position coordinate of each of the peripheral stations, one or more base stations, and a mobile point-of-sale (POS) terminal. The mobile POS terminal includes a wireless communication interface configured to receive a wireless signal from the base stations, a display, and a processor. The processor designates one of the peripheral stations as an associated peripheral station, determines a position coordinate of the mobile POS terminal based on the wireless signal, selects, based on the determined position coordinate of the mobile POS terminal and the location information, another of peripheral stations that is closest to the mobile POS terminal to be an alternative peripheral station to be recommended for the checkout, when the associated peripheral station is not available, and then controls the display to display a screen indicating the alternative peripheral station.Type: GrantFiled: April 7, 2022Date of Patent: August 1, 2023Assignee: Toshiba Tec Kabushiki KaishaInventor: Osamu Tsuchiya
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Patent number: 11715082Abstract: A shopping cart and method of autonomous shopping are provided including a cart chassis, a scale configured to rest on base of the chassis, a basket resting on the scale, wherein weights of products placed in the basket are indicated by the output signal of the scale, a weight guard rail positioned above the product basket and attached to the cart chassis, a user identification unit, a payment module, and a motion sensor.Type: GrantFiled: December 24, 2020Date of Patent: August 1, 2023Assignee: CUST2MATE LTD.Inventors: Joseph Bentsur, Amnon Peleg
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Patent number: 11715083Abstract: A self-service point-of-sale (POS) terminal for a customer to register a commodity to be purchased in a store, includes an input device, a reading device configured to read a symbol on a commodity, a network interface configured to receive, from an external device operated by a store clerk or the like, instruction information that instructs output of caution information, and a processor. The processor is configured to acquire commodity information about a commodity based on the symbol read by the reading device and register the commodity using the commodity information. Upon receipt of an input of completion of registration via the input device, the processor determines whether to proceed to payment processing for the registered commodity based on whether the instruction information has been received from the external device.Type: GrantFiled: December 6, 2021Date of Patent: August 1, 2023Assignee: Toshiba Tec Kabushiki KaishaInventors: Hidehiro Naito, Atsushi Miyashima, Toshihiro Kaneko, Taiki Tanihira, Shinsuke Yajima, Yuki Kawaguchi, Masaki Ito, Takahiro Saitou
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Patent number: 11715084Abstract: Various embodiments of the present disclosure generally relate to transacting in advance. More specifically, various embodiments relate to detecting a mobile computing device of a user within a proximity of a banking location; receiving, via the mobile application, an indication of a type of transaction to be conducted; and directing, via the mobile application, the user to an area of the banking location based on the type of transaction to complete the transaction.Type: GrantFiled: May 14, 2021Date of Patent: August 1, 2023Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: David Patrick Dixon, John Hope, John Loflin, Ogechi Namme, Andre Rene Buentello, Bradly Jay Billman, Sharon Kay Haverlah, Ross Andrew Thiele, Gunjan Vijayvergia, Michael Joseph Gaeta
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Patent number: 11715085Abstract: A wearable payment device, such as a finger ring worn by a user, communicates payment data to a payment reader that uses the payment data in order to request a payment transaction. Such wearable payment device may be conveniently carried by and accessible to the user such that utilization of the payment device for the payment transaction is less burdensome for the user, thereby encouraging use of the payment device for payments. Indeed, in some cases, such as when the payment device is implemented as a finger ring or other type of jewelry, the user may be encouraged to carry the payment device in an exposed manner such that it is readily available for the payment transaction without the user having to search in a wallet, pocket, or purse.Type: GrantFiled: April 30, 2021Date of Patent: August 1, 2023Assignee: Block, Inc.Inventors: Afshin Rezayee, Emad Bidari, Thomas Templeton, Michael Lamfalusi, Matthew H. Maibach, Jesse L. Dorogusker
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Patent number: 11715086Abstract: A data interaction method, a verification terminal, a server, and a system are described. The method includes: receiving, by a verification terminal, identity verification information from a user terminal, the identity verification information being information sent to the user terminal by a server in advance; sending, by the verification terminal, a request instruction to the server, the request instruction including the identity verification information; executing, by the server, an operation corresponding to the request instruction; and sending, by the server, feedback information to the verification terminal.Type: GrantFiled: April 13, 2021Date of Patent: August 1, 2023Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITEDInventors: Fengfu Zou, Weigang Peng, Xinghua Zhuang, Qiyun Cai, Zhuren Chen
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Patent number: 11715087Abstract: A method and system support payments between two entities using a mobile device and a token identifier device. A payment or gratuity action is initiated by a payer using their mobile device, such as mobile communication handset, to scan a token identifier stored in the payee's token identifier device. In one example, the token identifier device is an RFID or NFC type device. After the token identifier is obtained, the mobile device communicates the TokenID, gratuity amount, and payer authentication information to a transaction management system that validates and attempts to transfer funds between the two entities. In one example, the transaction management system is a server system that communicates over a TCP/IP network. The transaction management system sends a communication to the mobile device indicating whether or not the transfer was successful.Type: GrantFiled: September 26, 2022Date of Patent: August 1, 2023Assignee: TipTap Inc.Inventors: Nicholas Bergantz, Eugenia Bergantz
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Patent number: 11715088Abstract: Systems and methods are disclosed for providing cloud-based access to consumer financial information. A cloud-based platform may receive a notification from a server, the notification comprising a request to access consumer data associated with a financial services account. After confirming authorization by both the associated financial services account provider and the consumer, the platform may configure a software object identifying the server and at least a portion of the consumer data that the server is authorized to access. After presentation of the configured software object by the third party server, the platform may verify the configured software object, and provide to the server access to the authorized consumer data. The server may then utilize the provided consumer data to perform a mobile service for the consumer.Type: GrantFiled: March 1, 2021Date of Patent: August 1, 2023Assignee: FIDELITY INFORMATION SERVICES, LLCInventor: Rodney Aiglstorfer
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Patent number: 11715089Abstract: A system and method for establishing multiparty electronic communication include generating, a dashboard for electronic resolution of a healthcare claim for a payer portion of a cost of an item. The method can include calculating, in response to a selection in the dashboard, an estimated user portion of the cost of the item. Further, the method includes establishing a network interface for network communication between a provider of the item and the payer. Additionally, the method includes coordinating, via the network interface, the resolution of the payer portion of the cost of the item. The method also includes updating, in real-time, the dashboard with a status of the resolution of the payer portion of the cost.Type: GrantFiled: April 20, 2022Date of Patent: August 1, 2023Assignee: Eligible, Inc.Inventor: Katelyn Gleason
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Patent number: 11715090Abstract: A payment method, apparatus, and device are provided. The method includes: determining, according to geographical location information of a user, a third-party payment institute corresponding to the user's location, obtaining, through a payment server, a payment account of the third-party payment institute compatible for a local transaction, and scanning a barcode to complete a payment using the payment account. During the payment process, a DOI including information of the payment account is presented to a merchant, and the merchant extracts the payment account therein, and forwards order information and the payment account to the third-party payment institute. The third-party payment institute identifies the payment account and forwards the same to the payment server. The payment server identifies a user identity corresponding to the payment account, and then completes the payment process.Type: GrantFiled: July 8, 2022Date of Patent: August 1, 2023Assignee: ADVANCED NEW TECHNOLOGIES CO., LTD.Inventors: Taiming Feng, Yingde Liu
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Patent number: 11715091Abstract: The present disclosure involves solutions for dynamically connecting a customer-owned mobile device, a cloud-based service, and one or more particular physical payment devices located at an entity. In one example, as executed at a cloud-based payment service, a unique identifier associated with a location of a mobile device of a customer is received. An entity and a first location within the entity is determined based on the unique identifier, and a particular payment device at the entity is determined. The cloud service transmits, to the particular payment device, information to be used by the particular payment device to perform the payment transaction. A second signal is transmitted to the mobile device of the customer, and includes an indication of the particular payment device at which the payment transaction is to be completed. The payment transaction can then be completed at the particular payment device.Type: GrantFiled: December 23, 2020Date of Patent: August 1, 2023Assignee: Aldelo, LPInventor: Harry Tu
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Patent number: 11715092Abstract: Embodiments provide for managing ownership of physical objects and digital counterparts using a distributed ledger and tokens stored on the physical objects. An example method generally includes reading, via a wireless data connection between a physical object and a mobile device, a token stored on the physical object. The token may include at least a unique identifier of the physical object. A request to transfer ownership of the physical object to an owner of the mobile device is generated, and the request may include at least the unique identifier of the physical object. The generated request is transmitted to a distributed ledger system, and a response is received from the distributed ledger system indicating whether the transfer was successful. The indication of whether the transfer was successful is displayed on the mobile device.Type: GrantFiled: December 13, 2019Date of Patent: August 1, 2023Assignee: Disney Enterprises, Inc.Inventors: Jason A. Yeung, Clifford Wong, Elliott H. Baumbach, Michael P. Goslin, Tritia V. Medrano, Nathan D. Nocon, Stephen A. Thornton
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Patent number: 11715093Abstract: A method of configuring a contactless communication device is provided. The contactless communication device includes integrated circuits hosting at least two applications compatible with the same communication protocols or compatible with the same communication protocol and using different communication parameters and a contactless communication circuit. The method includes detecting, by the contactless communication circuit, an interruption of a transaction initiated by a proximity coupling reader.Type: GrantFiled: December 18, 2020Date of Patent: August 1, 2023Assignees: STMicroelectronics (Rousset) SAS, Proton World International N.V.Inventors: Olivier Van Nieuwenhuyze, Jean-Marc Grimaud
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Patent number: 11715094Abstract: A device may determine information that identifies a location of a projectable transaction card that is capable of being used to conduct a transaction associated with a merchant. The device may determine that the location of the projectable transaction card matches a location associated with the merchant. The device may identify a virtual transaction number that is unique to the merchant, previously associated with the merchant, unique to an account associated with the projectable transaction card, and to be used in conducting the transaction. The device may provide the virtual transaction number for display on a display screen of the projectable transaction card. The virtual transaction number may not be displayed on the display screen of the projectable transaction card prior to a determination that the location of the projectable transaction card matches the location associated with the merchant.Type: GrantFiled: June 16, 2021Date of Patent: August 1, 2023Assignee: Capital One Services, LLCInventor: Sam Taffer
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Patent number: 11715095Abstract: A CTI mobile device includes a first physical layer of electronic components adapted to fit in a first rectangular housing, the components adapted in aggregate to function as a mobile CTI communications device capable of accessing a wireless mobile network, and a second physical layer of electronic components adapted to fit in a second rectangular housing, the components adapted in aggregate to function as a mobile smart card capable of accessing a financial network to perform transactions and manage accounts, the first and second housings adapted to be coupled, and a plurality of contact pads distributed in like number and geometric pattern to interfacing sides of the first and second housings, the contact pads magnetized to attract opposing contact pads to couple the first and second housings together along the interfacing sides.Type: GrantFiled: April 20, 2020Date of Patent: August 1, 2023Assignee: EDGE MOBILE PAYMENTS LLCInventors: Paul Lewis Regen, Tom Czepowicz
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Patent number: 11715096Abstract: Systems and methods are provided for activating a card using augmented reality. The systems and methods may include capturing a real-time image of the card using a customer device, and extracting card information from the real-time image. The card information may be processed and used by a customer device or a financial provider server to activate the card. The customer device may display interactive graphics overlaid on the real-time card image to guide the customer through the activation process, and to educate the customer about the components of the card and aspects of the financial service associated with the card, such as a credit card service. The customer may interact with the overlaid graphics such as by selecting icons or portions of the card to trigger tutorials or to set preferences related to the card and/or financial service.Type: GrantFiled: June 3, 2021Date of Patent: August 1, 2023Assignee: Capital One Services, LLCInventors: Reilly Carpenter, Joanna Chen, Sarah Calandro
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Patent number: 11715097Abstract: The CLOUD-BASED VIRTUAL WALLET NFC APPARATUSES, METHODS AND SYSTEMS (“EAE”) transform user enhanced security transaction initiation requests using EAE components into time-limited, session-specific transaction bounding tokens. In some implementations, the disclosure provides a processor-implemented method of transforming a transaction bounding token request into transaction bounded tokens and purchase authorizations.Type: GrantFiled: October 14, 2020Date of Patent: August 1, 2023Assignee: Visa International Service AssociationInventor: Ayman Hammad
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Patent number: 11715098Abstract: Provided is an information management system that comprises: a payment information confirmation device which is connected over a network to a cryptocurrency system management terminal that manages a cryptocurrency system, which extracts transaction information including address information for a seller account in a cryptocurrency system, and which generates and transmits payment confirmation information including at least a transfer amount from the extracted transaction information; and a register device which is connected to the payment information confirmation device, receives the payment confirmation information from the payment information confirmation device, displays the received payment confirmation information, converts the currency units of an entered transaction amount into a cryptocurrency units payment amount in the currency units of the cryptocurrency system, generates a two-dimensional code in which are recorded the cryptocurrency units payment amount and the address information, and displays thType: GrantFiled: March 7, 2017Date of Patent: August 1, 2023Assignee: NEC CORPORATIONInventor: Ryo Furukawa
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Patent number: 11715099Abstract: A method for processing a trust-based transaction via a blockchain includes: receiving data associated with a proposed trust-based transaction including at least a transaction amount, payment data, and a broker identifier; processing payment for the transaction amount using the payment data; identifying a blockchain address associated with a broker corresponding to the broker identifier; generating a digital token, wherein the digital token is unique to the proposed trust-based transaction; electronically transmitting the generated digital token to a first computing device; and electronically transmitting at least the transaction amount, blockchain address, and at least one of: the generated digital token and data used to generate the generated digital token to a node associated with a blockchain network.Type: GrantFiled: December 20, 2017Date of Patent: August 1, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Lauren Grendon, Mamadou Alpha Barry, Edgar Marques, Julie Eloge Eboutou, Valerie Gann
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Patent number: 11715100Abstract: The present disclosure generally relates to electronic systems and computerized methods for verification of transacting parties to process transactions. A payment network server receives details of a transaction fulfilled by an agent and generates a transaction identification plaintext. A first party keyset for the first transacting party and an agent keyset for the agent is identified. The server generates cryptograms and ciphertexts encrypted by the first party keyset and agent keyset and sends the cryptograms to the first transacting party and agent. An encrypted cryptogram contains an encrypted ciphertext which contains a plaintext representing the transaction identification plaintext. The ciphertexts are exchanged between the first transacting party and agent by a computer handshake for decryption. The plaintexts are extracted from the ciphertexts and compared against the transaction identification plaintext for verifying the first transacting party and agent.Type: GrantFiled: December 10, 2020Date of Patent: August 1, 2023Assignee: Mastercard Asia/Pacific PTE. LTD.Inventors: Shiying Lian, Xijing Wang, Bensam Joyson, Anupam Sharma, Hui Fang, Donghao Huang, Dipali Pathrabe, Lalit Manchanda
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Patent number: 11715101Abstract: Provided are systems and methods for managing and implementing single-use payment-enabled tokens. In one example, a method may include distributing, via a server, a payment-enabled token to a payment application on a computing device, the payment-enabled token being mapped to a payment account of the payment application via a tokenization service, detecting use of the payment-enabled token as a payment via the payment application, and in response to the detecting, deactivating the payment-enabled token at the server and storing an identifier of the payment-enabled token and an additional data element of the payment-enabled token that identifies the payment account together within a data structure of the server.Type: GrantFiled: December 30, 2021Date of Patent: August 1, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Aaron Braundmeier, Anthony Hake
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Patent number: 11715102Abstract: A first device may receive, from a second device, a request to approve a transaction wherein the request includes transaction data related to the transaction and an image of a signature of an individual that submitted the request. The first device may determine, after receiving the request, a priority level associated with the transaction based on the transaction data. The first device may process the image of the signature using a computer vision technique and/or a vector-based technique. The first device may select, from a memory storing a plurality of comparator signatures, a comparator signature for the signature based on the priority level. The first device may use the comparator signature to verify the signature to approve or deny the transaction. The first device may perform a comparison of the comparator signature and the signature in the image after processing the image and selecting the comparator signature.Type: GrantFiled: January 28, 2020Date of Patent: August 1, 2023Assignee: Capital One Services, LLCInventors: Joshua Edwards, Michael Mossoba, Abdelkader M'Hamed Benkreira