Patents Issued in March 12, 2024
  • Patent number: 11928652
    Abstract: A system receives information for a plurality of invoices having invoice amounts owed by a debtor-buyer to a plurality of creditor-suppliers, a cash pool amount for a cash pool available by the debtor-buyer for early payment of at least some of the invoice amounts, and a desired return rate, receives a plurality of offers, each offer from a corresponding creditor-supplier and comprising an offer return rate, determines whether each of the plurality of offers is eligible for acceptance based on each offer return rate from each offer and the desired return rate for the buyer and selects one or more invoices each having an invoice amount, and transmits award information to the debtor-buyer.
    Type: Grant
    Filed: August 23, 2021
    Date of Patent: March 12, 2024
    Assignee: POLLEN, INC.
    Inventors: Alexander C. Kemper, Kevin J. Daniels, Peter L. Thomas, John G. Christopher, Douglas A. Martin
  • Patent number: 11928653
    Abstract: Wait times at ATMs may undermine the utility of these self-service machines. ATMs are configured to provide faster self-service kiosks that allow users to quickly perform common financial transactions. However, it has been increasing common for users to have to wait on a line to access an ATM. Apparatus and methods are provided for a smart card that stages transactions by capturing the amount, pin and other necessary information on the smart card itself, before the user begins interacting with the ATM. Information captured by the smart card may be transferred to ATM when the smart card is inserted into ATM. The user does not provide the ATM with any additional information after inserted the smart card into the ATM, thereby improving the transaction processing efficiency of the ATM and enhancing user satisfaction.
    Type: Grant
    Filed: May 23, 2020
    Date of Patent: March 12, 2024
    Assignee: Bank of America Corporation
    Inventor: Saurabh Gupta
  • Patent number: 11928654
    Abstract: A service uses a system of servers and specialized interfaces to facilitate transfer of value from a gift card to an open loop card of a user. The service may support user-facing interfaces that interact with customers. The service may also support an API-based interface with a gift card processor to obtain gift card value, effect the value transfer, and confirm that the gift card value has been depleted. The service may also include a programmatic interface to various transaction processor services such as associating the transferred value with a personal account number of the user, a merchant associated with the original gift card, transaction monitoring, and messaging services that provide status information to the user.
    Type: Grant
    Filed: December 29, 2020
    Date of Patent: March 12, 2024
    Assignee: Visa International Service Association
    Inventors: Edmar Soriano, Wesley Marangu, Peter Rhee
  • Patent number: 11928655
    Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.
    Type: Grant
    Filed: November 3, 2020
    Date of Patent: March 12, 2024
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Urich T. Bowers, Mike Kirch, Eric Romantino
  • Patent number: 11928656
    Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.
    Type: Grant
    Filed: March 15, 2021
    Date of Patent: March 12, 2024
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Mike Kirch, Eric Romantino, Scott Braun
  • Patent number: 11928657
    Abstract: Methods and systems are provided for facilitating shopping for products that have been liked to a social media network. A product can be seen on a merchant's website, for example. The product can be liked by user to the social media website. When the same or a different user subsequently sees the liked product on the social media website, the same or different user can purchase the product from the social media website. Thus, the user is not required to visit the merchant's website to perform the purchase transaction. Upon completion of the purchase, the user can be allowed to leave feedback to rate the item according to a predefined scale, which can be visible to all those who view the item, as exhibited by a vendor on the social media platform.
    Type: Grant
    Filed: May 27, 2022
    Date of Patent: March 12, 2024
    Assignee: PAYPAL, INC.
    Inventor: Elango Israel Gabriel Jesudian
  • Patent number: 11928658
    Abstract: Disclosed is a system and method for providing, accessing, monitoring and updating content on an e-commerce platform. The platform may have different user interfaces for consultants who act on behalf of an entity to market a product provided by the entity, and for prospects who are interested in learning more about the product, purchase the product and/or become part of the team to market the product. The consultants may upload digital content to the platform via their dedicated consultant interface and the prospects may access the digital content on the platform via their dedicated prospect interfaces. Contents of the prospect webpage and how the prospects interacts with their prospect webpage may be monitored. The contents of the prospect webpage may be updated, automatically or by the consultant associated with that prospect, based on the monitoring.
    Type: Grant
    Filed: January 15, 2021
    Date of Patent: March 12, 2024
    Assignee: Rodan & Fields, LLC
    Inventors: Heidi Wissmiller, Julie Vlahos, Jahan Shafizadeh, Erin Oles
  • Patent number: 11928659
    Abstract: A document handler system and method includes timed operation functionality in which the manufacturer of the document handler may input coded information in the document handler to establish a timed operation of the document handler which may be contingent on continued payments for use of the document handler. Alternatively, or in addition, the timed operation may be used to establish an appropriate warranty period during which the manufacturer is obligated to provide repairs, modification and/or support for the document handler.
    Type: Grant
    Filed: November 29, 2021
    Date of Patent: March 12, 2024
    Assignee: JCM American Corporation
    Inventors: Mark Henderson, Bryan Allen Wilcutt, Mark Adams, David Christopher Kubajak, Steven Johnson
  • Patent number: 11928660
    Abstract: Techniques for generating a window of effectiveness are provided. A region of effectiveness for a scanner at a checkout kiosk is provided, wherein the region of effectiveness defines a volume where successful scans occur. It is determined that a first path of an item is outside the region of effectiveness. Feedback to change a path of the item to be within the region of effectiveness during a rescan of the item is outputted, using the checkout kiosk.
    Type: Grant
    Filed: March 18, 2022
    Date of Patent: March 12, 2024
    Assignee: Toshiba Global Commerce Solutions Holdings Corporation
    Inventors: James I. Hawk, Patricia S. Hogan, Suzanne M. Griep
  • Patent number: 11928661
    Abstract: Systems, computer program products, and methods are described herein for an authentication framework for real-time document processing. The present invention is configured to receive, via an image capturing device associated with a point-of-sale system of a merchant, a digital image of a payment instrument; extract, using optical character recognition, payment instrument data from the payment instrument; receive one or more authentication credentials from the user to endorse the payment instrument; determine an authentication level of the user based on at least receiving the one or more authentication credentials from the user; determine whether the authentication level of the user meets an authentication requirement level associated with the processing of the payment instrument; and process, in real-time, the payment instrument.
    Type: Grant
    Filed: November 12, 2021
    Date of Patent: March 12, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Tony England, Stephen Philip Selfridge
  • Patent number: 11928662
    Abstract: Embodiments herein describe providing feedback to a shopper at a POS system using a computer vision system. Many items at a store may lack barcodes or other identifying marks such as produce. The shopper may have to perform an action to identify the item to the POS system. The computer vision system can double check the identify provided by the shopper to reduce mistakes and deter nefarious actors. If the computer vision system cannot independently confirm that the item being purchased matched the identity provided by the shopper, the POS system can display a graphical user interface (GUI) that includes an image of the item captured by the computer vision system along with identification data of the item identified by the shopper. This gives the shopper a chance to correct any mistakes.
    Type: Grant
    Filed: September 30, 2021
    Date of Patent: March 12, 2024
    Assignee: Toshiba Global Commerce Solutions Holdings Corporation
    Inventors: J. Wacho Slaughter, Philip S. Brown, Michelle M. Crompton
  • Patent number: 11928663
    Abstract: 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: Grant
    Filed: June 30, 2021
    Date of Patent: March 12, 2024
    Assignee: FIRST DATA CORPORATION
    Inventors: Vijay Kumar Royyuru, Brent Dewayne Adkisson, Raja Vel, Brent Allen Stains, Donncha O'Hegarty
  • Patent number: 11928664
    Abstract: Systems and methods are provided for processing cardless financial transactions at transaction devices such as Automated Teller Machines. An example method comprises receiving a transaction request including at least one transaction parameter and receiving a substitute value representing an account for processing the transaction request. The substitute value is distinct from an account number associated with the account. The method further comprises sending the at least one transaction parameter and the substitute value to a payment network associated with the substitute value and completing the transaction request. A second method comprises receiving a transaction request with at least one transaction parameter and a substitute value. The second method further comprises determining account credentials associated with the substitute value using the account credentials.
    Type: Grant
    Filed: May 14, 2020
    Date of Patent: March 12, 2024
    Assignee: Fidelity Information Services, LLC
    Inventors: Hitesh Bajaj, Douglas G. Brown, Robert Woodbury, Neil Marcous, Peter Gordon, Renee Goodheart, Mark Elliott
  • Patent number: 11928665
    Abstract: Embodiments provide methods, and systems for facilitating a payment transaction utilizing a pre-defined radio frequency allocated by an agency to a merchant. A user may open an application provided and maintained by a payment network on a user device and input the pre-defined radio frequency associated with the merchant. The payment network server is configured to establish a secure radio frequency connection between the user device and a merchant server of the merchant. Post establishment, the user may proceed to make a payment transaction to the merchant by choosing a payment method and authenticating his/her identity. The payment transaction is authorized by an issuer of the payment account and is forwarded to the payment network server. The payment network server is configured to fetch acquirer information of the merchant account and process the payment. Post completion, a confirmation message is sent to the user device over the secure RF connection.
    Type: Grant
    Filed: July 20, 2021
    Date of Patent: March 12, 2024
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Saugandh Datta, Awinash Pandey, Ankur Mehta, Chandan Garg
  • Patent number: 11928666
    Abstract: A method, apparatus, and system of activating and using a contactless card are disclosed. More particularly, a method of accessing an account is disclosed. The method includes receiving, by a transaction card processing circuit from a customer device, information regarding the customer device and information regarding a contactless card associated with the account, where the information regarding the contactless card is received by the customer device via a contactless communication with the contactless card, authenticating a customer associated with the contactless card based on the information regarding the customer device and the information regarding the contactless card, and providing access to the account by the customer device based on the authentication.
    Type: Grant
    Filed: December 4, 2019
    Date of Patent: March 12, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Deana Cook, Darrell L. Suen, William E. Wheeler
  • Patent number: 11928667
    Abstract: The present disclosure relates to systems and methods for using multicomputer data transferring to active contactless communication. In one example, such a system may include at least one memory storing instructions and at least one processor configured to execute the instructions to perform one or more operations, the operations including: receiving a transaction associated with a merchant on a list of merchants stored in the at least one memory; determining, based on the merchant, a remote server associated with the merchant; assembling a data packet including an identifier of the contactless card and an identifier of the transaction; transmitting the data packet to the determined server across one or more computer networks; receiving confirmation from the determined sever in response to the data packet; and transmitting the confirmation to a user device associated with the transaction.
    Type: Grant
    Filed: November 18, 2021
    Date of Patent: March 12, 2024
    Assignee: Capital One Services, LLC
    Inventors: Adam Koeppel, Molly Johnson, Tyler Locke, James Zarakas, Kevin Kelly, Saleem Sangi, Robert Perry
  • Patent number: 11928668
    Abstract: A method includes receiving a fund access request from a user device associated with a user; generating a tokenized card number based on an actual card account number of the user that substitutes the actual card account number in a payment transaction; providing a code to the user device including the tokenized card number and a numeric or alphanumeric string of values; determining that the numeric or alphanumeric string of values in the code transmitted to the user device matches a numeric or alphanumeric string of values in a field of a code received from a separate computer system; determining that a location of the user device matches a merchant location; authenticating the payment transaction based on the numeric or alphanumeric match and the location match; and, transmitting the actual card account number to the separate computer system as part of the payment transaction.
    Type: Grant
    Filed: October 3, 2022
    Date of Patent: March 12, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ashish Bhoopen Kurani, Nikolai Stroke, Bipin Sahni, Stephen M. Ellis, Steve Puffer
  • Patent number: 11928669
    Abstract: Systems and methods for mobile wallet payments are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for conducting a payment using an electronic wallet may include: (1) a mobile application receiving a selection of an alternate payment currency; the mobile application receiving a payment payload from an issuer; the mobile application providing the selection of the alternate payment currency and an identifier to the issuer; and the mobile application providing the payment payload and the identifier to a merchant host. The merchant host may communicate the identifier to the issuer, and the issuer may identify selection of the alternate payment currency based on the identifier.
    Type: Grant
    Filed: November 17, 2022
    Date of Patent: March 12, 2024
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Howard Spector, Eric Connolly, John D Moore, Nancy E Hiebler, Michael Naggar, Ayman A Hammad, Tuan Dao, Venkata Maranani
  • Patent number: 11928670
    Abstract: A computer-implemented method is disclosed. The method includes: receiving, via a client device, a request to process an order for value storage tokens, the request indicating at least one token provider and order parameters defining at least one denomination and a quantity of value storage tokens to be associated with the at least one denomination; establishing a communication connection with a server system associated with the at least one token provider through an application programming interface (API) for the at least one token provider; generating one or more API calls for requesting to obtain digital representations of the value storage tokens associated with the order; and receiving the digital representations of the value storage tokens associated with the order.
    Type: Grant
    Filed: January 14, 2021
    Date of Patent: March 12, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Michael Pronski, Darius Braziunas
  • Patent number: 11928671
    Abstract: An authentication and encryption computer system and method are disclosed. An encrypted channel is established with a first device. Transaction information is received over the encrypted channel, including an instrument identifier, wherein the instrument identifier is tokenized, a first amount for item acquisition by a first person, a second amount specified by the first person, and identification information of a second person. An identity of a user of a second device is authenticated to determine that the user is the second person and in response to such authentication, a user interface is provided, including the second amount and an identification of one or more entities is displayed. An instruction is received to distribute at least a portion of the second amount to specified entities. A secure communication is established via remote systems and a portion of the second amount is distributed among respective destinations associated with the specified entities.
    Type: Grant
    Filed: August 3, 2021
    Date of Patent: March 12, 2024
    Assignee: Ferry Pay Inc.
    Inventors: Brian Scott Krakower, Efren Ramirez
  • Patent number: 11928672
    Abstract: A personalization method for a financial IC card having a dynamic verification code, comprising: an upper apparatus organizes second personalization information comprising a second disperse key, and organizes a personalization data packet according to the second personalization information; after the upper apparatus and a personalization device establish a security channel, if the upper apparatus transmits the personalization data packet to the personalization device by means of the security channel, the personalization device writes the second personalization information into a financial IC card; if the upper apparatus transmits a verification request to the personalization device by means of the security channel, the personalization device reads a time window and a dynamic verification code from the financial IC card, returns the time window and the dynamic verification code to the upper apparatus by means of the security channel for verification, receives a verification result returned by the upper apparat
    Type: Grant
    Filed: August 27, 2019
    Date of Patent: March 12, 2024
    Assignee: Feitian Technologies Co., Ltd.
    Inventors: Zhou Lu, Huazhang Yu
  • Patent number: 11928673
    Abstract: Systems and methods for authorizing a blockchain transaction. A verification network receives a transaction request for the blockchain transaction from a payer device including a first signature generated by a first private key associated with a payer. The verification network broadcasts a verification request to verification system(s) which assess pre-agreed threshold parameters. If the parameter(s) are satisfied, at least one verification system perfects the transaction by generating a second signature using a second private key, and broadcasts the transaction to the blockchain network. If the parameter(s) are not satisfied, verification offer(s) from among the verification system(s) including the second signature(s) are used to prompt the payer device to confirm the blockchain transaction by selecting at least one of the offer(s).
    Type: Grant
    Filed: February 15, 2023
    Date of Patent: March 12, 2024
    Assignee: Intercontinental Exchange Holdings, Inc.
    Inventor: Jerry Perullo
  • Patent number: 11928674
    Abstract: A diamond asset comprising one or more diamonds and an encryption chip is used to asset-back a cryptographic token that can be used to conduct transactions. The cryptographic token is written to a blockchain using a smart contract that is configured to enable a transaction associated with the token in response to two or more of: a signature by the encryption chip, a signature by the owner of the diamond asset, and a validation of a visual layout of the diamond asset.
    Type: Grant
    Filed: January 12, 2023
    Date of Patent: March 12, 2024
    Assignee: DIAMOND STANDARD INC.
    Inventor: Cormac L. Kinney
  • Patent number: 11928675
    Abstract: Securely sharing proof of knowledge of information without revealing the information, for example to allow an institution to prove it has knowledge regarding an alert. Code or software may be generated (at a first computer system) which takes as input one or more details regarding an entity and returns a value based on a match to one or more actual details regarding the entity. A name may be generated for the code based on information describing the entity, and the code may be published to a blockchain, along with at least one key corresponding to the code. For each name an entry may be creating in an index, converting the name to a blockchain address. A proof based on the code may be generated at a second computer system, which, if verified, results in the first institution and the second institution sharing information regarding the entity.
    Type: Grant
    Filed: September 23, 2022
    Date of Patent: March 12, 2024
    Assignee: Nice Ltd.
    Inventor: Simon Robins
  • Patent number: 11928676
    Abstract: A short-term authorized pass is disclosed. The method receives a request for a short-term authorized pass to be generated from a credit account of a first party and provided to a second party, the request includes an amount allocated to the short-term authorized pass. A sub-account is generated from the credit account by allocating a part of the credit account to form the sub-account. The credit limit on the sub-account is set to the amount identified by the first party, a virtual account number (VAN) is assigned to the sub-account, and the VAN of the sub-account is linked to the credit account. The short-term authorized pass is generated, using the VAN of the sub-account, and is provided to the second party. However, no funds are taken from the credit account of the first party until the short-term authorized pass is used.
    Type: Grant
    Filed: December 17, 2019
    Date of Patent: March 12, 2024
    Assignee: BREAD FINANCIAL PAYMENTS, INC.
    Inventors: Suman Rao Jangama, Steinn Jonsson, Jess Lawrence, Gabriel Rostorfer, Bipin Sadhwani, Vinayak Swaminathan, Manoj Ram Tammina
  • Patent number: 11928677
    Abstract: A computer-implemented method comprising receiving a request to execute a transaction transferring transaction data from a first account to a second account associated with a second computing device in communication with a distributed ledger, the request comprising an identification of the first account and the second account; identifying a third account associated with a third computing device in communication with the distributed ledger; retrieving first account data for the first account and third account data for the third account from the distributed ledger; comparing a first value from the first account data and a third value from the third account data to a threshold; determining the transaction satisfies a transaction policy; and generating a record in the distributed ledger indicating the transaction transferring the transaction data from the first account to the second account in response to the determination that the transaction satisfies the transaction policy.
    Type: Grant
    Filed: November 29, 2021
    Date of Patent: March 12, 2024
    Assignee: CITIBANK, N.A.
    Inventor: Ryan Marsh
  • Patent number: 11928678
    Abstract: Efficient methods and systems for verifying personal identifiers in transactions such as financial transactions are disclosed. In an exemplary method, an authentication server computer may provide an account number and a personal identifier such as a PIN to a payment processing network server computer. The payment processing network server computer may then determine which of a plurality of authentication processes to initiate.
    Type: Grant
    Filed: June 7, 2019
    Date of Patent: March 12, 2024
    Assignee: Visa International Service Association
    Inventor: James Dene Dimmick
  • Patent number: 11928679
    Abstract: A method for conveying a data message using a public ledger includes: generating, by a generation module of a processing server, a data message, wherein the data message comprises one or more data values; electronically transmitting, by a transmitting device of the processing server, a data signal superimposed with the generated data message to a first computing system; receiving, by a receiving device of the processing server, a data signal superimposed with an encrypted message from the first computing system, wherein the encrypted message is generated via application of one or more encryption algorithms to the generated data message using at least one encryption key; appending, by the generation module of the processing server, an identification value to the encrypted message; and submitting, by the transmitting device of the processing server, the appended encrypted message to a public ledger associated with a second computing system.
    Type: Grant
    Filed: September 21, 2020
    Date of Patent: March 12, 2024
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Brien Buckman, Benjamin Alexander Flast
  • Patent number: 11928680
    Abstract: Certain exemplary embodiments relate to techniques for processing PIN-inclusive transactions in connection with an electronic device or terminal, e.g., where PIN code encryption keys are not necessarily stored on the electronic device or terminal, and/or where payment instrument data is maintained in a separate system from PIN code data at least until certain elements are combined in a highly secure system for submission to an electronic funds transfer network. One or more separate or physically separated systems may be used in this regard, e.g., taking advantage of more prevalent computer networks such as the Internet. Similarly, the ability to provide less expensive terminals or electronic devices at a point-of-sale, point-of-purchase, etc., may be advantageous. The interchange rate is not necessarily driven up in certain example instances.
    Type: Grant
    Filed: July 18, 2022
    Date of Patent: March 12, 2024
    Assignee: TOUCHTUNES MUSIC COMPANY, LLC
    Inventor: Robert R. Dykes
  • Patent number: 11928681
    Abstract: A computerized method produces an identity code to identify each subject stored in the computer systems connected to a computer network while protecting the privacy and confidentiality of the subject. A central computer system receives an identity code of a suspect of a financial crime and sends the identity code to all computer systems connected to the computer network. The computer systems that have the matched identity code send the requested information to the central computer system. As a result, law enforcement organizations can eliminate crimes and financial institutions can recover the money stolen from them. In addition, law enforcement organizations and financial institutions can identify money launderers that are missed by their anti-money laundering transactional monitoring systems.
    Type: Grant
    Filed: September 19, 2022
    Date of Patent: March 12, 2024
    Inventors: Yuh-shen Song, Catherine Lew, Alexander Song, Victoria Song
  • Patent number: 11928682
    Abstract: Systems and methods are disclosed for movement-based signature authentication. One method comprises determining one or more features associated with a user based on one or more two-dimensional images and determining one or more body points associated with the user based on one or more three-dimensional images. A movement pattern of each body point of the user is determined based on the one or more three-dimensional images. The one or more determined features are compared to corresponding one or more stored features associated with the user. If the one or more detected features match the one or more stored features, the one or more determined movement patterns are compared to a unique electronic signature associated with the user. Upon determining that the one or more determined movement patterns match the unique electronic signature, the user is authenticated for electronic transaction.
    Type: Grant
    Filed: May 15, 2019
    Date of Patent: March 12, 2024
    Assignee: Worldpay, LLC
    Inventor: Daren L. Pickering
  • Patent number: 11928683
    Abstract: A fraud prevention server and method. The fraud prevention server includes an electronic processor and a memory. The memory includes an online application origination (OAO) service. The electronic processor is configured to perform feature encoding on one or more categorical variables in a first matrix to generate one or more feature encoded categorical variables, generate a second matrix including the one or more feature encoded categorical variables, generate a feature encoded OAO model by training an OAO model with the second matrix, receive information regarding a submission of an online application on a device, determine a fraud score of the online application based on the information that is received and the feature encoded OAO model, the feature encoded OAO model being more precise than the OAO model, and control the client server to approve, hold, or deny the online application based on the fraud score that is determined.
    Type: Grant
    Filed: October 1, 2020
    Date of Patent: March 12, 2024
    Assignee: MASTERCARD TECHNOLOGIES CANADA ULC
    Inventors: Anton Laptiev, Parin Prashant Shah
  • Patent number: 11928684
    Abstract: Systems and methods of the present disclosure include computer systems for improving data security. To do so, an authorization request associated with a user profile is received, including a time-stamp for a profile activity, a profile identifier, and a value. Application analytics data for a software application on a user device associated with the user profile is accessed, including an open event indicator indicating a time of a loading, and a close event indicator indicating a time of a termination. An open period of the software application at the time-stamp is determined based on the application open event indicator and the application close event indicator. A reduced set of fraud checks is selected and executed when the time-stamp associated with the profile activity is within the open period of the software application. A fraud determination is generated, and an authorization notification is generated based on the fraud determination.
    Type: Grant
    Filed: June 9, 2021
    Date of Patent: March 12, 2024
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Michael Mossoba, Abdelkader M'hamed Benkreira
  • Patent number: 11928685
    Abstract: This disclosure relates generally to a system and method for using a machine-learning system to more accurately detect fraudulent use of credit cards on an e-commerce website and block those attempts.
    Type: Grant
    Filed: December 20, 2021
    Date of Patent: March 12, 2024
    Assignee: Overstock.com, Inc.
    Inventors: Ashish A Patel, Rahul Chadda, Suresh Kumar Akella
  • Patent number: 11928686
    Abstract: A system for secure identity data tokenization and processing, the system adapted to receive a loan provisioning request from a merchant computing device associated with an individual and to receive, from a secure identity verification computing device, a secure identity token data object attesting to an identity of the individual. A secure identity token data object is processed to verify the identity of the individual and to initiate a loan origination process. A request for an electronic transaction to be paid or partially paid using funds represented in the dynamic card token data object associated with the unique loan identifier data value and a a payment package data object is generated to encapsulate a tokenized representation of a dynamic card data object associated with the dynamic card token data object, an electronic representation of the funds to be provided from the dynamic card token data object.
    Type: Grant
    Filed: July 13, 2021
    Date of Patent: March 12, 2024
    Assignee: ROYAL BANK OF CANADA
    Inventors: Benoit Germain, Arnold Badal-Badalian, Seung Bong Baek
  • Patent number: 11928687
    Abstract: Systems, methods, and computer-readable storage media utilized in math-based currency (MBC) exchange utilizing MBC transaction guarantees. One method includes receiving, from a merchant point of sale (POS) terminal, a payment reimbursement request comprising a guarantee identifier associated with an MBC transfer. The method further includes determining, utilizing the guarantee identifier, transaction information. The method further includes determining, utilizing the transaction information, the guarantee identifier is associated with a failed transaction based on accessing and analyzing a plurality of disputed transactions on an MBC blockchain. The method further includes, in response to identifying the failed transaction, initiating an MBC payment from the financial computing system to an MBC address of a merchant. The method further includes providing, to the merchant POS terminal, a payment confirmation.
    Type: Grant
    Filed: November 11, 2021
    Date of Patent: March 12, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ashish Kurani, Wayne Barakat, Martin Barrs, Dominik Vltavsky
  • Patent number: 11928688
    Abstract: In some embodiments, a request associated with a user account may be obtained, where the request includes a restriction associated with the user account. Based on the restriction included in the request, a graphic indicium (that encodes the restriction included in the request) may be generated. The graphic indicum may be sent to the client device to facilitate a transaction using the graphic indicium. In some embodiments, information associated with the graphic indicium and a request to authorize the transaction may be obtained, and the restriction may be identified based on the information associated with the graphic indicium. The transaction may be authorized based on a determination that the transaction satisfies the restriction.
    Type: Grant
    Filed: November 21, 2022
    Date of Patent: March 12, 2024
    Assignee: Capital One Services, LLC
    Inventors: Eric K. Barnum, Anthony P. Reynolds
  • Patent number: 11928689
    Abstract: Various examples of the disclosure generally pertain to storing, in a distributed ledger and in association with one or more transactions, one or more identifiers of owners of respective smart contracts. Various examples of the disclosure relate to deleting transactions associated with a given party as owner upon receiving a withdrawal request of the given party.
    Type: Grant
    Filed: April 14, 2023
    Date of Patent: March 12, 2024
    Assignee: SIEMENS AKTIENGESELLSCHAFT
    Inventors: Saurabh Narayan Singh, Nejc Zupan
  • Patent number: 11928690
    Abstract: Embodiments provide methods and systems for upgrading an authorization request message in a dual message system format to an upgraded authorization request message in a single message system format without requiring any modifications to existing systems of acquirers and issuers. A transaction processing network computer may upgrade an authorization request message based on a score assigned to the transaction using a machine learning algorithm. The score indicates a likelihood that a final value of the transaction when finalized is same as an initial value of the transaction. If the score is above predetermined threshold, the transaction processing network computer upgrades the authorization request message to a single message system format.
    Type: Grant
    Filed: September 23, 2021
    Date of Patent: March 12, 2024
    Assignee: Visa International Service Association
    Inventor: Arnab Banerjee
  • Patent number: 11928691
    Abstract: Techniques described herein relate to a method for deploying workflows with data management services. The method may include identifying, by a warranty measuring model associated with an information handling system, a first change event associated with the information handling system; obtaining first change information associated with the first change event; making a first determination that the first change event is not associated with an entry of a warranty audit table (WAT); generating a new WAT entry in the WAT using the first change information and an initial timestamp; identifying, by a warranty measuring model, a second change event associated with the information handling system; obtaining second change information associated with the second change event; making a second determination that the second change event is associated with an existing WAT entry of the WAT; updating the existing WAT entry using the second change information and a final timestamp.
    Type: Grant
    Filed: July 27, 2021
    Date of Patent: March 12, 2024
    Assignee: Dell Products L.P.
    Inventors: Prasoon Kumar Sinha, K N Ravishankar, Smruti Ranjan Debata
  • Patent number: 11928692
    Abstract: A contact center service is configured, deployed, and operated for a limited term in connection with an event. Configurations to provide a contact center service for an event are defined according to a term of the event and one or more service features available for attendees of the event to use. The contact center service is deployed at or prior to the start of the term of the event according to the configurations. Responsive to deploying the contact center service, the service features are facilitated via the contact center service, such as to enable contact center engagements between agents and users as event attendees. The contact center service is eventually terminated based on an expiration of the term. Contact center as a service software used to configure, deploy, and operate the contact center service may be integrated with an event system used to implement the event.
    Type: Grant
    Filed: January 31, 2022
    Date of Patent: March 12, 2024
    Assignee: Zoom Video Communications, Inc.
    Inventors: Jin Li, Xu Hua Li
  • Patent number: 11928693
    Abstract: A system and method for vehicle drive path analysis for a waste/recycling service vehicle are provided. The system and method can enable identifying of the customers and/or container locations for waste and recycling collection routes using vehicle drive path analysis. Some non-limiting properties that can be derived from the analysis include the customer location, address of customers, and/or the locations of containers at the customer location.
    Type: Grant
    Filed: November 22, 2021
    Date of Patent: March 12, 2024
    Assignee: WM INTELLECTUAL PROPERTY HOLDINGS, L.L.C.
    Inventors: Sergiy Savchenko, Hemachandra Pillutla
  • Patent number: 11928694
    Abstract: A system providing self-service access to locked merchandise comprising: (a) providing a fixture that restricts access to the locked merchandise, wherein the fixture can automatically lock or unlock, allowing or restricting access to the locked merchandise; (b) providing a means of uniquely identifying an individual attempting to access the merchandise; (c) measuring a set of behaviors of the individual during any time the fixture is an open mode; (d) assessing whether the set of behaviors of the individual are suspicious or not relative to a set of suspicious event thresholds; (e) storing the individual and their set of behaviors as accessible records in at least one database; and (f) providing an algorithm which determines future access privileges of the individual to the enclosure based on a set of variables.
    Type: Grant
    Filed: January 17, 2023
    Date of Patent: March 12, 2024
    Assignee: Indyme Solutions, LLC
    Inventors: Joseph Budano, Steven Deal
  • Patent number: 11928695
    Abstract: Embodiments of the disclosed technology provide anti-theft shelving units particularly designed to deter/detect sweeping theft. For example, an anti-theft shelving unit of the disclosed technology may comprise a combination of the following anti-sweeping theft design features: (1) flip-stopper(s) swingably-mounted to shelves of the anti-theft shelving unit; (2) flip-door(s) swingably-mounted to the anti-theft shelving unit; (3) processing circuitry that, in response to an anti-theft-related signal, locks the flip-stopper(s) and flip-door(s) in fixed positions that restrict access to items on the shelves; and (4) shelf-mounted sensors and processing circuitry that determine occurrence of sweeping theft in response to detecting removal of over a threshold number of items from a shelf in a pre-determined time interval.
    Type: Grant
    Filed: March 30, 2023
    Date of Patent: March 12, 2024
    Assignee: DISA DIGITAL SAFETY PTE. LTD.
    Inventor: Weng Wah Chng
  • Patent number: 11928696
    Abstract: Systems and methods for managing a promotional campaign are provided. In one embodiment, a promotional campaign engine communicates in real-time with a participant's mobile computing device, receives an electronic campaign entry from the mobile computing device, and based on a rule set, generates a virtual value item in an established stored value system based on the rule set.
    Type: Grant
    Filed: December 16, 2010
    Date of Patent: March 12, 2024
    Assignee: E2INTERACTIVE, INC.
    Inventors: David A. Nelsen, Christian Casebeer, Michael J. Fletcher
  • Patent number: 11928697
    Abstract: New and improved methods and systems for modeling the performance of selected company metrics. Multiple, non-traditional sets of objective data along with mathematical analytical techniques are used to provide transparency and visibility into company performance relating to the particular metrics. Company inflection points and changes in strategy may be identified. The performance of a company and/or the performance of a selected industry or industry sector may be analyzed.
    Type: Grant
    Filed: June 8, 2022
    Date of Patent: March 12, 2024
    Assignee: M SCIENCE LLC
    Inventors: Anthony Berkman, Seth Goldstein
  • Patent number: 11928698
    Abstract: An information processing apparatus having a first fitness calculation to calculate a fitness using a predetermined function for models in a population; a virtual model generating to select, as parent models, models having higher value of the fitness using the first fitness calculation among the models, and generate a virtual model that outputs by performing calculation of output results of the selected parent models; a second fitness calculation to calculate the fitness of the virtual model using the predetermined function; a replacing operation constituting the population by adding the virtual model and by deleting a model having lower value of the fitness among the models in the population; and a model extracting to extract a model having higher value of the fitness from the population by repeating processing by the virtual model generating, the second fitness calculation, and the model replacing until a predetermined termination condition is reached.
    Type: Grant
    Filed: January 20, 2020
    Date of Patent: March 12, 2024
    Assignee: RAKUTEN GROUP, INC.
    Inventors: Dinesh Daultani, Bruno Andre Charron
  • Patent number: 11928699
    Abstract: Methods, systems, and computer program products for auto-discovery of reasoning knowledge graphs in supply chains are provided herein. A computer-implemented method includes obtaining a spatiotemporal query related to a demand of at least one product in a supply chain; analyzing the spatiotemporal query to identify one or more parameters affecting the demand of the at least one product, wherein the one or more parameters comprise at least one of one or more climate parameters and one or more disruptive event parameters; generating a knowledge graph comprising information indicating an impact on the demand of the at least one product for at least a portion of the one or more parameters; and outputting, to a user interface, an explanation of a predicted demand forecast for the at least one product based at least in part on the knowledge graph.
    Type: Grant
    Filed: March 31, 2021
    Date of Patent: March 12, 2024
    Assignee: International Business Machines Corporation
    Inventors: Smitkumar Narotambhai Marvaniya, Ranjini Bangalore Guruprasad, Shantanu R. Godbole, Kedar Kulkarni, Jitendra Singh, Geeth Ranmal de Mel, Richard J. Tomsett, Komminist Weldemariam
  • Patent number: 11928700
    Abstract: A smart farm platform is disclosed for determining recommended selling prices of agricultural products based on state information of the agricultural products and operation history information of a plant grower, among information received from the plant grower, and a terminal displays the recommended selling prices of agricultural products through a display.
    Type: Grant
    Filed: December 18, 2020
    Date of Patent: March 12, 2024
    Assignee: LG ELECTRONICS INC.
    Inventors: Younsung Choi, Eunjung Lee, Kangseong Lee, Takashi Morimoto, Masako Ikeda, Hiromu Imanishi, Masami Yokota
  • Patent number: 11928701
    Abstract: Technologies for enhancing credit transactions include a point of sale computing system. The point of sale computing system receives payment vehicle data for a credit transaction associated with a purchase event. The point of sale computing system determines whether the credit transaction is an alternate routing candidate. The point of sale computing system routes an authorization request message to an issuer computing system via a payment card network in response to a determination that the credit transaction is not an alternate routing candidate. Alternatively, the point of sale computing system routes the authorization request message directly to the issuer computing system via a PIN debit network in response to a determination that the credit transaction is an alternate routing candidate. A corresponding authorization response message is received by the point of sale computing system via the payment card network or the PIN debit network. Other embodiments are described and claimed.
    Type: Grant
    Filed: October 23, 2020
    Date of Patent: March 12, 2024
    Assignee: Worldpay, LLC
    Inventors: Brent Alan Badger, Jacob Matthew Sterling