Banking Systems Patents (Class 235/379)
  • Patent number: 11961376
    Abstract: Described herein is a method comprising performing optical character recognition on at least one region of a display screen to determine at least one displayed character; identifying, from the determined at least one displayed character, a monetary value to be dispensed; and in response to identifying the monetary value to be dispensed, causing to be dispensed at least one money item corresponding to the identified monetary value. Further described is a method comprising determining, using at least one money item denominating apparatus, a monetary value of at least one received money item; in response to determining the monetary value, automatically providing at least one simulated user input to the interactive user interface indicative of the determined monetary value.
    Type: Grant
    Filed: August 27, 2021
    Date of Patent: April 16, 2024
    Assignee: Crane Payment Innovations Limited
    Inventors: Shane Anthony Timmons, Michael Patrick Healy, Kevin Mulvey
  • Patent number: 11961105
    Abstract: A method of enabling an employee to utilize earned and unpaid earnings includes receiving, with a with a central office processor, a record of an employee's accrued and unpaid earnings for a predetermined time period and storing the record in a database. The method further includes receiving, with the central office processor, an electronic request from an employee to access the employee's record of accrued and unpaid earnings for the predetermined time period. Upon receipt of the request, the central office processor accesses the database including the record of the employee's accrued and unpaid earnings for the predetermined time period and determines an amount of the employee's accrued and unpaid earnings for the predetermined time period available to the employee and transmits the amount for display to the employee.
    Type: Grant
    Filed: October 24, 2014
    Date of Patent: April 16, 2024
    Assignee: GANART TECHNOLOGIES, INC.
    Inventors: Mohamed Safir Salihu, Wayne Thomas McHugh, Arthur Martin Holbrook, Purnendu Mishra, Lee Coleman
  • Patent number: 11961082
    Abstract: Methods and apparatus consistent with the present disclosure allow a customer or payor to select from a plurality of nearby vendors or payees when a computing device of the payor is physically close to electronic devices of the payees. Payee devices and locations of those payee devices may be identified and displayed on a display of a payor device. Once displayed, a specific payee device may be selected by the customer and an order for a product or service may be sent to the selected payee device from the payor device. After the product or service has been provided to the customer, information that confirms that purchase may be sent to any of the selected payee device, the payor device, or a payment processing computer and funds to pay for the product or service may be deposited into an account of the payee based on the confirmation.
    Type: Grant
    Filed: January 20, 2023
    Date of Patent: April 16, 2024
    Assignee: 423 Enterprises, LLC
    Inventor: Patrick L. Murray
  • Patent number: 11954961
    Abstract: A method is for processing sheet material, in particular value papers, such as banknotes, checks, etc., in which different groups of sheet material are processed one after the other. The different groups of sheet material are separated for processing. In the processing of different groups of sheets materials, which are separated from one another by separation cards arranged respectively at the beginning of the different groups of sheet material, a first processing, in which separation cards and unrecognized sheet material are sorted out, should be followed by a second processing of the sorted-out separation cards and of the unrecognized sheet material, in which separation cards to which no unrecognized sheet material is assigned are sorted out.
    Type: Grant
    Filed: May 26, 2021
    Date of Patent: April 9, 2024
    Assignee: GIESECKE+DEVRIENT CURRENCY TECHNOLOGY GMBH
    Inventor: Ralf Hobmeier
  • Patent number: 11954698
    Abstract: A method for associating perception data with a first content, which is implemented by a processor includes: triggering at least one capture using a capturing device in the direction of at least one individual, referred to as an observer, consulting the first content, the result of the capture being designated as second content; analyzing distinctive elements of the second content and transposing the distinctive elements into perception data; and associating the perception data with the first content.
    Type: Grant
    Filed: March 12, 2018
    Date of Patent: April 9, 2024
    Assignee: ORANGE
    Inventors: Chantal Guionnet, Frederic Massa, Anne Nicole Pouzet, Herve Maudier
  • Patent number: 11949980
    Abstract: Systems and techniques for operating system integrated image capture guidance are described herein. An indication may be received of an object to be captured for completing a transaction. Configuration data may be obtained for an image of the object. The configuration data may indicate an orientation of the object in the image. An image of the object may be obtained from an imaging sensor of a device. A discrepancy may be determined between the orientation of the object in the image using the configuration data. Orientation guidance may be generated that indicates repositioning of the object in the image. It may be determined that the discrepancy between the orientation of the object in the image has been eliminated. Capture guidance may be generated for output via the device based on a set of commands determined based on detection of an operating system executing on the device.
    Type: Grant
    Filed: October 26, 2022
    Date of Patent: April 2, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Katherine Anne Zagone
  • Patent number: 11943350
    Abstract: In certain embodiments, the use of re-usable cold storage keys to sign messages may be facilitated. In some embodiments, an offline computer system (operating within an offline computing environment) may obtain, from a removable computer-readable storage medium, signing key shards corresponding to a signing private key and a blockchain transaction to be signed, where the signing key shards satisfy a key shard threshold that is (i) a number of key shards required for reconstructing the signing private key and (ii) less than a number of key shards derived from the signing private key using a ceremony key. The offline computer system may form a ciphertext of the signing private key using the signing key shards and reconstruct the signing private key by decrypting the ciphertext using the ceremony key. The offline computer system may sign the blockchain transaction using the signing private key.
    Type: Grant
    Filed: October 16, 2020
    Date of Patent: March 26, 2024
    Assignee: Coinbase, Inc.
    Inventors: Yolanda Liu, Ryan Sears, Alan Leung, Zachary Blacher, Jeremy Suurkivi
  • Patent number: 11941953
    Abstract: A cash depositing system for a user to deposit cash into a user's account via a store, is provided with: a cash handling apparatus that recognizes and counts cash deposited by the user at the store, and obtains an amount of the cash; and a management server that acquires the amount of the cash and account information of the user, and determines whether or not a fund equivalent to an account deposit amount to be deposited into the user's account can be obtained from the store to a management company. In case where the management company can obtain the fund from the store, the management server instruct an external device, which performs account handling for moving the fund between an account of the management company and the user's account, to perform the account handling.
    Type: Grant
    Filed: September 8, 2022
    Date of Patent: March 26, 2024
    Assignee: GLORY LTD.
    Inventors: Yuta Fukunishi, Toru Fujino, Kisho Yanase, Minoru Higashiyama
  • Patent number: 11935044
    Abstract: The virtual code-based financial transaction providing method according to an embodiment of the inventive concept includes a step S200 for receiving a virtual code provided by a virtual code generation means, by a virtual code verification means, a step S400 for extracting multiple detailed codes included in the virtual code by the virtual code verification means, a step S1000 for searching for a storage location of an actual card number on the basis of the multiple detailed codes by the virtual code verification means, and a step S1200 for performing a financial transaction or for making a request for performing a financial transaction with the actual card number extracted from the storage location.
    Type: Grant
    Filed: October 21, 2019
    Date of Patent: March 19, 2024
    Assignee: SSenStone Inc.
    Inventor: Chang Hun Yoo
  • Patent number: 11935038
    Abstract: Methods, systems, and apparatuses are described herein for the direct sharing and use of transaction data separately from transaction authorization processes. Transaction metadata associated with a transaction may be received and validated. Authorization information corresponding to the transaction may be received. The degree to which the transaction metadata is tested may be based on a predicted time of receipt of the authorization information. The transaction metadata and authorization information may be correlated. A computing device may determine whether to authorize the financial transaction based on the authorization information and the correlated transaction metadata. All or portions of the transaction metadata may be provided to one or more users after the transaction has been authorized or denied.
    Type: Grant
    Filed: November 8, 2021
    Date of Patent: March 19, 2024
    Assignee: Capital One Services, LLC
    Inventors: Wesley Perkins, Venkata Satya Sriram Kalyan Namuduri, David Ross, Andrew Coulson, Hunter Roberts
  • Patent number: 11928940
    Abstract: The present disclosure relates to a medium processing apparatus, including: a banknote device configured to process a banknote, including a banknote device door arranged at an opening of a safe box and being movable between an open position and a closed position; a banknote device lock configured to switch the banknote device door between a locked state and an unlocked state, a loose coin device configured to process a loose coin, including a loose coin device door arranged at an opening of a safe box and being movable between an open position and a closed position; a loose coin device lock configured to switch the loose coin device door between a locked state and an unlocked state, wherein the banknote device lock and the loose coin device lock perform a switching between the locked state and the unlocked state independently from each other.
    Type: Grant
    Filed: March 10, 2021
    Date of Patent: March 12, 2024
    Assignee: Glory Ltd.
    Inventors: Kazuhiko Takahashi, Takaaki Imoto, Hirofumi Tougo, Hitoshi Kobayashi
  • 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: 11928728
    Abstract: A provider institution computing system includes a customer database storing customer information, a network interface circuit structured to enable an exchange of information over a network, and a transaction circuit generating trackable transaction requests.
    Type: Grant
    Filed: September 6, 2022
    Date of Patent: March 12, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Naga Adapala, Kristin K. Koppelman, Carine P. Gursky, Gregg R. Napoli, Sushil Kumar Vyas
  • Patent number: 11922494
    Abstract: A method for offering at least one credit product by at least one credit issuer to a consumer at a point-of-sale between a merchant and the consumer. The method includes the steps of: providing a credit issuer data set including a plurality of data fields to a central database; initiating a transaction between the consumer and the merchant at the point-of-sale; offering, to the consumer at the point-of-sale, the at least one credit product; and presenting, to the consumer at the point-of-sale, at least one data field in the credit issuer data set. The at least one data field presented to the consumer is populated with data directed to the credit product, the credit issuer, or any combination thereof. An apparatus and system are also disclosed.
    Type: Grant
    Filed: September 30, 2021
    Date of Patent: March 5, 2024
    Assignee: PayPal, Inc.
    Inventor: Thomas H. Keithley
  • Patent number: 11922782
    Abstract: A control unit performs a reconciliation process in a case where an error occurs while a transport unit is transporting media to a temporary storage unit or a storage unit and the number of media stored in a memory becomes uncertain, the reconciliation process being a process in which the control unit checks the number of media stored in the memory using the temporary storage unit while at least a part of the media remain in the temporary storage unit.
    Type: Grant
    Filed: June 9, 2022
    Date of Patent: March 5, 2024
    Assignee: GLORY LTD.
    Inventors: Tsuyoshi Izumida, Masao Sakamoto, Keisuke Nada
  • Patent number: 11921753
    Abstract: A system and method for committing preauthorized database transactions generates a preauthorized database transactions based on a received parameter and a parameter value. The method further includes storing the generated preauthorized database transaction in a temporary storage; accessing a reference database to determine a current value of the received parameter; determining that a current value of the received parameter matches the received parameter value; and committing the preauthorized database transaction to a database.
    Type: Grant
    Filed: May 23, 2022
    Date of Patent: March 5, 2024
    Assignee: KARMA SHOPPING LTD.
    Inventors: Omer Gazit, Yuval Hoch Ronen
  • Patent number: 11916857
    Abstract: A hyperlink message for machine-to-machine (M2M) or machine-to-human (M2H) communication has a semantic metadata tag, a content field, an executable specification field. Executable specification instructs a machine to perform a task associated with the machine related data, and post to a machine social media platform results of the task as content for the hyperlink message. The hyperlink message posting is visible and available to other participating machines on the machine social media platform to read and contribute related content as a hyperlink discussion of M2M or M2H communication.
    Type: Grant
    Filed: August 11, 2021
    Date of Patent: February 27, 2024
    Assignee: SIEMENS AKTIENGESELLSCHAFT
    Inventors: Arquimedes Martinez Canedo, Lingyun Wang
  • Patent number: 11915226
    Abstract: A validation terminal located at a registered location comprises a barcode reader, a memory, and a processor. The memory stores a public key that is paired with a private key linked with the registered location of the validation terminal. The processor is operably coupled to the barcode reader and the memory, and is configured to detect an encrypted barcode that was scanned by the barcode reader from a mobile device that is located at the registered location of the validation terminal. The encrypted barcode is based at least in part upon transaction information associated with products in a digital cart, and the encrypted barcode is encrypted using the private key. The processor is further configured to decrypt the encrypted barcode using the stored public key, and to indicate the transaction is valid in response to decrypting the encrypted barcode using the public key.
    Type: Grant
    Filed: April 9, 2021
    Date of Patent: February 27, 2024
    Assignee: 7-ELEVEN, INC.
    Inventors: Nishanth Mandaara, Gurmeet Singh, Tarang Swadeshkumar Sethia, Maninder Singh Suri
  • Patent number: 11912197
    Abstract: a system for authenticating the presence of an emergency vehicle and notifying the driver of a vehicle equipped with the disclosed system of the presence of the presence of the emergency vehicle and the type of emergency vehicle that is near or approaching. The system uses the mirror or other signaling device of the vehicle equipped with the disclosed system to notify the driver that the approaching vehicle is an official vehicle, and the identification of the governmental agency that controls the approaching vehicle.
    Type: Grant
    Filed: January 26, 2016
    Date of Patent: February 27, 2024
    Inventor: Jimmie L. Ewing
  • Patent number: 11915224
    Abstract: A card accessory device including, among other things, one or more processors and memory storing instructions that, when executed by the one or more processors, are configured to cause the card accessory device to receive, from a terminal in communication with the card, one or more messages comprising a complete message indicative of successfully reading the card and a read error message indicative that there was an error in reading the card, identify one or more predetermined sequences based on the one or more messages, and perform via a rumble pack, one or more predetermined vibration sequences comprising a first vibration sequence associated with the complete message and a second vibration sequence associated with the read error message in a predetermined pattern.
    Type: Grant
    Filed: February 16, 2022
    Date of Patent: February 27, 2024
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: James Montgomery, David Harrington, Jonathan Rider
  • Patent number: 11908286
    Abstract: A method comprises receiving, by a computing device from a customer device, a request to provision a financial account for the customer, associating, by the computing device, a mobile device with the requested financial account, and sending, by the computing device to the mobile device, authentication information for the requested financial account. The method further includes receiving the authentication information by the computing device from a financial terminal that received the authentication information from the mobile device, receiving, by the computing device, first location information of the mobile device, and provisioning, by the computing device and based on the first location information of the mobile device being within a predetermined distance of a location of the financial terminal, the requested financial account for the customer.
    Type: Grant
    Filed: March 22, 2023
    Date of Patent: February 20, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Shari Van Cleave, Darren Michael Goetz, Dennis Emmanuel Montenegro
  • Patent number: 11900343
    Abstract: A payment device for conducting a transaction is provided. The payment device includes a device substrate, a payment device identifier visibly located on the device substrate, and a data storage region contained on or within the payment device. The payment device identifier does not include information identifying an issuer for the payment device. The data storage region comprises a first data storage sub region containing data corresponding to the payment device identifier, and a second data storage sub region electronically isolated from the first data storage sub region and containing data identifying the issuer of the payment device.
    Type: Grant
    Filed: June 27, 2019
    Date of Patent: February 13, 2024
    Assignee: Visa International Service Association
    Inventor: Shantnu Singh
  • Patent number: 11886434
    Abstract: A computer-implemented method performed by at least one processor includes actions of: receiving information indicating a change to an entity of an application; and in response to receiving the information: providing, in real-time, the information indicating the change to the entity as one or more items of application metadata to one or more active sessions of the application; storing the information indicating the change to the entity as one or more items of application metadata in read-optimized storage; and storing one or more timestamps corresponding to the one or more items of application metadata in a timestamp cache.
    Type: Grant
    Filed: August 4, 2020
    Date of Patent: January 30, 2024
    Assignee: Bildr, Inc.
    Inventors: Mark D. Magnuson, Timothy J. Magnuson
  • Patent number: 11887075
    Abstract: A method for conducting monetary and financial transactions in an economy by treating amounts as collections of distinct individual, minimal, and indivisible units of account, each of which has a persistent identity and history throughout its lifecycle. A method is disclosed for conducting monetary transactions on the basis of appending the record of relationship between each individual unit of account and its respective owners throughout the lifecycle of the unit. Further, a method is disclosed for identifying the units in binary computer notation and assigning specific informational content to each unit by designating various sub-sections within the binary identifier of each unit to hold specific information and values relevant to the unit.
    Type: Grant
    Filed: September 3, 2020
    Date of Patent: January 30, 2024
    Inventor: Vadim Sobolevski
  • Patent number: 11887087
    Abstract: Disclosed embodiments provide systems, methods, and apparatuses for facilitating transfers between user commerce accounts associated with a merchant of a commerce platform within a computing environment supported by a processor and a memory to execute such functionality. An exemplary system may include a means for creating a merchant account platform at the payment system; creating a single charge from a customer at the merchant account platform; creating multiple transfers from the merchant account platform to different connected accounts, wherein the multiple transfers are to each transfer a sub-portion of proceeds associated with the single charge from the customer to each of the different connected accounts; performing the single charge from the customer to the merchant account platform; and performing each of the multiple transfers from the merchant account platform to the different connected accounts. Other embodiments are also disclosed.
    Type: Grant
    Filed: January 6, 2023
    Date of Patent: January 30, 2024
    Assignee: STRIPE, INC.
    Inventors: Christopher Continanza, Shreyas Surendra Doshi, Brian David Krausz, Jay Shah
  • Patent number: 11887110
    Abstract: Embodiments provide systems, methods, processes, computer program code and means for using mobile devices to conduct transactions with value dispensing devices.
    Type: Grant
    Filed: July 30, 2021
    Date of Patent: January 30, 2024
    Assignee: PayPal, Inc.
    Inventor: Kevin Laracey
  • Patent number: 11887463
    Abstract: A computer vision card reader and/or point of sale device is described. The device is configured to sense when a user inserts a card into a card reader and to determine when a user departs or is about to depart from the device without retrieving the card. The device may issue an audible or visible alert to the user, reminding the user to retrieve the card. The device may additionally send a notification to a mobile device associated with the user that reminds the user that he has left a card at the point of sale. In some embodiments, message sent to the user contains a code and, upon entry of the code, the point of sale or card reader device returns the card to the user.
    Type: Grant
    Filed: November 23, 2022
    Date of Patent: January 30, 2024
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Abdelkader Benkreira, Joshua Edwards, Michael Mossoba
  • Patent number: 11882538
    Abstract: A wireless communication network comprises a Network Exposure Function (NEF) and an Access and Mobility Management Function (AMF) to register a User Equipment (UE). The NEF receives a NEF Application Programming Interface (API) call that has a UE instruction. The NEF translates the NEF API call having the UE instruction into an AMF API call that has the UE instruction. The NEF transfers the AMF API call to the AMF. The AMF translates the UE instruction into a registration message that has a registration cause. The AMF transfers the registration message that has the registration cause to the UE. The UE receives the registration message, and in response, identifies networking data based on the registration cause and performs a registration based on the networking data.
    Type: Grant
    Filed: April 8, 2021
    Date of Patent: January 23, 2024
    Assignee: T-MOBILE INNOVATIONS LLC
    Inventors: Lyle T. Bertz, Galip Murat Karabulut, Brian David Waters
  • Patent number: 11881084
    Abstract: Systems and methods are disclosed for associating a player loyalty account of a player with a stored value account. The player can accumulate loyalty points over time. The accumulated loyalty points can be converted to value, such as cash or coupons, associated with the stored value account. The value can be accessed by the player through the use of a stored value payment vehicle associated with the stored value account. The value added to the stored value account can be restricted such that the use of the value is limited to particular merchants or particular types of transactions.
    Type: Grant
    Filed: June 17, 2022
    Date of Patent: January 23, 2024
    Assignee: Sightline Payments LLC
    Inventors: Kirk E. Sanford, Thomas M. Sears, Omer Sattar
  • Patent number: 11880832
    Abstract: This invention concerns a method and system for improving the security of transaction in an emulated Integrated Circuit. Methods and devices for pre-generating session keys for securing transactions are provided. The generated session key is obfuscated with a preventing data for unauthorized use and/or access of the session cryptographic and encrypted. This encrypted obfuscated key is provisioned from a remote computer to the communication device. The mobile application is configured to decrypt and de-obfuscate the received encrypted obfuscated session cryptographic key, during a transaction. The method may also include generating, by the communication device, a transaction cryptogram using the decrypted and de-obfuscated session cryptographic key, and sending by the communication device to the remote system the transaction cryptogram to conduct the transaction. The transaction can be authorized based on at least whether the decrypted and de-obfuscated session cryptographic key is the expected one.
    Type: Grant
    Filed: December 21, 2016
    Date of Patent: January 23, 2024
    Assignee: THALES DIS FRANCE SAS
    Inventor: Francesco Viola
  • Patent number: 11868968
    Abstract: A system and method for analyzing wearable sensor data in reconciliation with calendar entry data. A computer processor is coupled to a user configurable calendar system and a user wearable device. The processor detects one or more user activity events from one or more electronic wearable devices associated with the user and detects one or more user calendar events from a user configurable calendar system. The processor is configured to determine a course of action to be taken by the user based upon the one or more calendar events and the detected one or more user events.
    Type: Grant
    Filed: November 13, 2015
    Date of Patent: January 9, 2024
    Assignee: United Services Automobile Association
    Inventors: Bharat Prasad, Wayne M. Hartman, Jonathan W. Barlow, Bradly J. Billman, Charles L. Oakes, III, Joshua D. Maldonado
  • Patent number: 11869308
    Abstract: A casino cage cashout system includes integrated chip validation and transaction record generation. The system includes an interface to a chip reader. An output of the chip reader is used to generate chip information, including chip value, such as for causing an automated cash dispenser to dispense cash in an amount equal to the value of the chips being redeemed. The cage cashout system is also integrated with an anti-money laundering (AML) system, wherein the cage cashout system automatically generates a transaction report which include information regarding the chip cashout and transmits that report to the AML system.
    Type: Grant
    Filed: October 22, 2022
    Date of Patent: January 9, 2024
    Assignee: Everi Payments Inc.
    Inventors: Adam Fong, Suresh Narayanan, Marcie Arai
  • Patent number: 11861648
    Abstract: Using identifiers on user payment instruments to identify user loyalty accounts comprises a method to store a loyalty account list associated with a user, the loyalty account list comprising one or more user loyalty accounts; associate an identifier with the loyalty account list; receive information identifying a user loyalty account associated with a merchant, the information comprising an account number for the user loyalty account and an identity of the merchant; associate the user loyalty account with the loyalty account list; receive a request for information identifying a user loyalty account associated with a merchant, the request comprising the identifier received by the merchant from a user payment instrument and an identity of the merchant; determine the user loyalty account associated with the merchant; and provide the information identifying a user loyalty account associated with a merchant.
    Type: Grant
    Filed: August 17, 2020
    Date of Patent: January 2, 2024
    Assignee: GOOGLE LLC
    Inventors: Mark William Andrews, Richard Tsuwen Hung, Robin Dua, Marcus Quintana Mitchell
  • Patent number: 11861569
    Abstract: In a method, computer readable medium, or system for making a payment transaction between a payor having an associated payor computer with a ledger storage for the payor and a payee having an associated payee computer with a ledger storage for the payee in a consensus payment network having a plurality of nodes each comprising a respective computer with ledger storage and relying on consensus determinations, an initiator is provided for making the payment transaction between the payor and the payee, the initiator being either the payor, the payee, or an intermediary having an associated intermediary computer. The respective initiator computer creates a temporary payment transaction consensus subnetwork comprising a set of validation nodes acceptable to both the payor and the payee, the set of validation nodes comprising fewer than all of said plurality of nodes in the payment network.
    Type: Grant
    Filed: July 11, 2022
    Date of Patent: January 2, 2024
    Assignee: Ripple Luxembourg, S.A.
    Inventors: Stefan Thomas, Robert D. Way
  • Patent number: 11854007
    Abstract: A method for pre-authorizing a delivery transaction is disclosed. A transaction value can be pre-authorized such that resources can be delivered. After the resources are delivered, a user can determine whether to continue with processing the transaction.
    Type: Grant
    Filed: April 16, 2018
    Date of Patent: December 26, 2023
    Assignee: Visa International Service Association
    Inventors: Akshay Chopra, Marco Peter Lamantia
  • Patent number: 11853634
    Abstract: Systems and methods including detachable passive or interactive display that interface with fixed size portable communication or display device providing variable size display capability. Detachable display can comprise compartment for seamlessly accommodating portable communication or display device. Interface between the portable device and the detachable display can be implemented by wired or wireless communication. Detachable display can include weatherproof body, and compartment accommodating portable device can include weatherproof seal protecting the portable device. Detachable display device can include an additional user interface providing functionality of any complexity, from basic on/off and volume control switches to complex interactive menu navigation tools and other controls such as touch pads and biometric sensors. Detachable display device can include data input and output capabilities, such as text, audio and video, to other external devices.
    Type: Grant
    Filed: February 20, 2018
    Date of Patent: December 26, 2023
    Inventor: Jeffrey E. Koziol
  • Patent number: 11853919
    Abstract: A mobile wallet system to users is described. The mobile wallet system allows users to provide payments to merchants via the mobile wallet system. Users' mobile wallets are linked to payment forms associated with the users (e.g., bank accounts, credit cards, gift cards, etc.). Additionally, the mobile wallet system allows a first user to request funding from or provide funding to a second user for certain transactions. To pay for a good or service provided by a merchant, a user selects a form of payment, which may be another user, and provides a code to the merchant, which is used by a merchant computing system to initiate payment from the user to the merchant via the financial institution computing system.
    Type: Grant
    Filed: March 4, 2015
    Date of Patent: December 26, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Balinder Mangat, David Hatch, Uma Meyyappan, Bipin Sahni, Nikolai Stroke
  • Patent number: 11853535
    Abstract: The present disclosure generally relates to a computer system displaying user interfaces for accessing passes and transfer accounts. In some examples, passes are added to the computer system. In some examples, passes are accessed. In some examples, transfers relating to the passes and transfer accounts are displayed, such as in search user interfaces.
    Type: Grant
    Filed: September 23, 2020
    Date of Patent: December 26, 2023
    Assignee: Apple Inc.
    Inventors: Thomas John Miller, Russell Fenenga, Morgan Grainger
  • Patent number: 11854346
    Abstract: The present disclosure relates generally to a system that utilizes virtual ticket vouchers in association with one or more transactions involving one or more components of a gaming establishment ecosystem.
    Type: Grant
    Filed: March 8, 2021
    Date of Patent: December 26, 2023
    Assignee: IGT
    Inventors: Erik Petersen, Kevin Higgins, Adrian Marcu
  • Patent number: 11853998
    Abstract: Disclosed herein are system, method, and computer program product embodiments for creating a personalized barcode for an account holder at an Automated Teller Machine (ATM). An embodiment operates by storing account holder unique data and a first rule for generating a personalized barcode unique to the account holder based on the account holder unique data. After receiving a request for completion of a transaction from the first account holder, placing the account holder unique data and the first rule in a pairing service. Thereafter, the ATM is configured to retrieve the account holder unique data and the first rule from the pairing service, generate the first personalized barcode based on the first rule and the account holder unique data, and present the first personalized barcode to the first account holder.
    Type: Grant
    Filed: April 14, 2021
    Date of Patent: December 26, 2023
    Assignee: Capital One Services, LLC
    Inventors: Jeremy J. Phillips, Ashay Sheth
  • Patent number: 11854333
    Abstract: Existing currency validation (CVAL) devices, systems, and methods are too slow, costly, intrusive, and/or bulky to be routinely used in common transaction locations (e.g., at checkout, at an automatic teller machine, etc.). Presented herein are devices, systems, and methods to facilitate optical validation of documents, merchandise, or currency at common transaction locations and to do so in an obtrusive and convenient way. More specifically, the present invention embraces a validation device that may be used alone or integrated within a larger system (e.g., point of sale system, kiosk, etc.). The present invention also embraces methods for currency validation using the validation device, as well as methods for improving the quality and consistency of data captured by the validation device for validation.
    Type: Grant
    Filed: October 29, 2021
    Date of Patent: December 26, 2023
    Assignee: Hand Held Products, Inc.
    Inventors: Erik Van Horn, Gennady Germaine, Christopher Allen, David J. Ryder, Paul Poloniewicz, Kevin Saber, Sean Philip Kearney, Edward Hatton, Edward C. Bremer, Michael Vincent Miraglia, Robert Pierce, William Ross Rapoport, James Vincent Guiheen, Chirag Patel, Patrick Anthony Giordano, Timothy Good, Gregory M. Rueblinger
  • Patent number: 11847645
    Abstract: Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.
    Type: Grant
    Filed: June 18, 2020
    Date of Patent: December 19, 2023
    Assignee: Visa International Service Association
    Inventors: Gourab Basu, Michael Mori, Ross Sakata, Steven Cracknell, Millie Yee, Mark Carlson, Patrick Stan, Surendra Keshan, Edward Katzin
  • Patent number: 11847692
    Abstract: A method for offering at least one credit product by at least one credit issuer to a consumer at a point-of-sale between a merchant and the consumer. The method includes the steps of: providing a credit issuer data set including a plurality of data fields to a central database; initiating a transaction between the consumer and the merchant at the point-of-sale; offering, to the consumer at the point-of-sale, the at least one credit product; and presenting, to the consumer at the point-of-sale, at least one data field in the credit issuer data set. The at least one data field presented to the consumer is populated with data directed to the credit product, the credit issuer, or any combination thereof. An apparatus and system are also disclosed.
    Type: Grant
    Filed: March 16, 2021
    Date of Patent: December 19, 2023
    Assignee: PayPal, Inc.
    Inventor: Thomas H. Keithley
  • Patent number: 11842593
    Abstract: A method of detecting a counterfeit item using a contactless scanner includes contactlessly scanning at least a portion of an item to generate a scanned image of the at least a portion of the item, wherein the at least a portion of the item comprises a graphic, identifying elements in the scanned image that correspond to elements in the graphic, measuring the identified elements to generate a plurality of element measurements, determining whether the item is counterfeit based on a comparison between at least one element measurement of the plurality of element measurements and at least one reference element measurement that is associated with an authentic version of the item, and in response to determining that the item is counterfeit, generating an alert indicating a detection of a counterfeit item.
    Type: Grant
    Filed: March 12, 2020
    Date of Patent: December 12, 2023
    Assignee: IDEMIA National Security Solutions LLC
    Inventors: Michael E. Ronayne, Jr., Mark Burge, Jason Hicks
  • Patent number: 11842610
    Abstract: A method of operating an automated transaction machine (ATM) can include at least partially disengaging a first component of the ATM from a remainder of the ATM. The method can also include altering the first component to a non-conforming condition after being at least partially disengaged. The method can also include re-engaging the first component with the ATM after being altered. The method can also include replacing a second component of the ATM after the re-engaging. Replacing the second component can include pairing the second component with a computing device of the ATM. The pairing can be responsive at least in part to the altering.
    Type: Grant
    Filed: November 19, 2021
    Date of Patent: December 12, 2023
    Assignee: Diebold Nixdorf, Incorporated
    Inventors: Damon J Blackford, Rod Beaber, Ricardo Barros, Bernd Redecker
  • Patent number: 11830328
    Abstract: In an embodiment, a secure safe apparatus is provided. The apparatus comprises a base and a bollard. The bollard comprises a first portion and a second portion manufactured as a single vertical member. The first portion is of sufficient length to extend below a bottom surface of the base into ground at a site where the secure safe apparatus is set. The second portion is of sufficient length to extend through a thickness of the base and above a top surface of the base. The second portion is adapted to be inserted through an aperture in a floor of a safe and affixed to an interior beam manufactured within an inside of the safe to affix the second portion to the beam.
    Type: Grant
    Filed: October 14, 2022
    Date of Patent: November 28, 2023
    Assignee: NCR Corporation
    Inventors: Andrew Robert Grant, Ian McFarlane Denny
  • Patent number: 11830082
    Abstract: The present disclosure is directed towards systems and methods for aiding compliance with tax collection and reporting obligations. Distributed ledgers may assist with the verified calculation of taxes owed through the use of identity wallets and cryptocurrency transactions may be employed to effectuate payment to sellers as well as payment of taxes owed to the appropriate tax authorities. Verification of identity sources and of tax calculation and transmission engines may reduce compliance obligations on the part of sellers.
    Type: Grant
    Filed: May 3, 2019
    Date of Patent: November 28, 2023
    Assignee: THOMSON REUTERS ENTERPRISE CENTRE GMBH
    Inventors: Jon West, Irish McIntyre
  • Patent number: 11829969
    Abstract: Disclosed herein are system, method, and computer program product embodiments for allowing completion of cardless ATM transactions at an ATM using a barcode that encodes an identifier for that ATM. A user of a mobile banking app may begin a transaction on their mobile device and, upon reaching a stage of the transaction where ATM access is needed (e.g., to withdraw physical cash), requests that the user visit an ATM to scan the barcode. When the mobile app scans the barcode, the ATM displaying the barcode is associated with the transaction, and completes the transaction (e.g., by dispensing cash). This barcode, while usable to identify the ATM for this purpose, also provides additional information that can be obtained by any barcode reader. This additional information may, for example, be a link to a website that provides an explanation about this service.
    Type: Grant
    Filed: October 17, 2022
    Date of Patent: November 28, 2023
    Assignee: Capital One Services, LLC
    Inventors: Jeremy J. Phillips, Matthew B. Konopa
  • Patent number: 11823181
    Abstract: An object of the present invention is to provide a currency handling system which makes it possible to decrease a risk of dealing with foreign currency at the time of the occurrence of a communication error in a case in which a currency reading device capable of accepting a variety of currencies including a foreign currency is used while the currency handling system is connected to a management server through a communication line. A currency handling system 100 is connected to a casino management system 2 through a network 3, and includes a currency reading device 201 which is capable of accepting a variety of currencies and a PTS terminal 700. The PTS terminal 700 causes a process which limits usage of a foreign currency but allows usage of a local currency in the currency reading device 201 to be performed in a case (offline state) in which an error occurs in communication with the casino management system 2.
    Type: Grant
    Filed: January 30, 2020
    Date of Patent: November 21, 2023
    Assignee: Universal Entertainment Corporation
    Inventor: Jun Haishima
  • Patent number: 11823536
    Abstract: A method includes receiving a notification of the gesture from a sensing device, receiving an input from a user to select a banking transaction, and determining an intent of the gesture from the sensing device. Additionally, the method includes altering the banking transaction based on the input of the user and the intent of the gesture from the sensing device. The method further includes transmitting a request separate from the banking transaction based on the intent of the gesture.
    Type: Grant
    Filed: June 23, 2022
    Date of Patent: November 21, 2023
    Assignee: Truist Bank
    Inventors: Yadhira Haydee Arroyo, Stephen Gary Hess, Nancy Wells, LaTonja Barlow, Sarah Katherine Nash, Alex Heath Misiaszek