Banking Systems Patents (Class 235/379)
  • Patent number: 11657682
    Abstract: Systems and methods include a kiosk that performs an electronic payment transaction based on instructions received from a portable device of a user. The system further includes a transmitting device electrically coupled to the kiosk. The transmitting device is configured to transmit a first signal to the portable device at a first direction. The system further includes a receiving device electrically coupled to the kiosk. The receiving device is configured to receive a second signal from the portable device at a second direction. The transmitting device and receiving device are positioned such that the first and second direction enable determination of a position of the user, where the processor enables the electronic payment transaction to be processed only when the portable device is at a location relative to the kiosk. The location is disposed within a transmission path coextensive with both the first direction and the second direction.
    Type: Grant
    Filed: January 3, 2022
    Date of Patent: May 23, 2023
    Assignee: Capital One Services, LLC
    Inventor: Mitchell Miller
  • Patent number: 11659391
    Abstract: Aspects of the disclosure relate to methods, systems, and computing platforms for authenticating activity on another computing device in real-time using a mobile device on a high generation cellular network. Aspects of the disclosure leverage and utilize a user's mobile device connected to a high generation cellular network to collect and analyze data about a user to seamlessly identify and prevent potentially fraudulent transactions. More specifically, the present disclosure uses high generation cellular networks, such as a fifth-generation (“5G”) cellular network, to seamlessly, frequently, and repeatedly monitor a user through a 5G mobile device to provide a variation on two-factor authentication. Aspects of the disclosure provide effective, efficient, scalable, fast, reliable, and convenient technical solutions that address and overcome the technical problems associated with monitoring and preventing in real-time potential fraudulent transactions without burdening users (e.g.
    Type: Grant
    Filed: March 8, 2022
    Date of Patent: May 23, 2023
    Assignee: Bank of America Corporation
    Inventor: Thomas Sodano
  • Patent number: 11645643
    Abstract: A method for harnessing a connected network to securely verify and execute a transaction is provided. The method may include requesting a PIN from a mobile device. The request may be transmitted via a USSD message. The method may also include receiving the PIN from the mobile device. The PIN may be received via a response to the USSD message. The method may also include authenticating the mobile device. The method may also include accessing a third-party network to verify an authentication status of the mobile device. The third-party network may include a plurality of IoT endpoints. Each IoT endpoint may include a stored verification usage process. The stored verification usage process may relate to a user associated with the mobile device. The method may also include executing the transaction upon receipt of an authentication signal from the third-party network.
    Type: Grant
    Filed: September 29, 2020
    Date of Patent: May 9, 2023
    Assignee: Bank of America Corporation
    Inventors: Christopher Hope, James McMorrow, Sumita Desai, Shehreyar Jamshed, Ayeesha Sachedina, Anna Xu, Brandon Castagna, Sasikumar Sivaraman, Lauren Hewings, Alex Wong
  • Patent number: 11640594
    Abstract: A method of processing a purchase transaction includes generating a transaction file containing a product code, which is transmitted from a user computing device when an image of a product code identifier is captured by the user computing device, a first user ID of the customer, and an indicator of whether or not the customer has opted in to receive electronic receipts. The method further includes generating an electronic receipt based on the transaction file, storing a conversion table containing the first and second user IDs of the customer, converting the first user ID contained in the transaction file to the second user ID based on the conversion table, when the indicator indicates that the customer has opted in, and storing the electronic receipt in association with the second user ID. The electronic receipt is transmitted in response to a request for electronic receipts associated with the second user ID.
    Type: Grant
    Filed: January 13, 2022
    Date of Patent: May 2, 2023
    Assignee: Toshiba Tec Kabushiki Kaisha
    Inventor: Masanori Sambe
  • Patent number: 11640751
    Abstract: An ATM system is provided. The system may include a back-end server, an ATM CPU that receives information relating to the ATM, an ATM dispenser configured to dispense a cash withdrawal amount in the event that the ATM CPU receives information relating to a selection of a cash withdrawal amount and a mobile computer. The mobile computer may include a CPU, a keypad, a touch screen having a diagonal dimension of between 9 inches and 17 inches, and an interface system that interfaces between the ATM CPU and MC CPU, wherein the back-end server is configured to format and transmit an API call to request information regarding an ATM session. The ATM may be configured to respond to the API call and the back-end server is configured to respond to an API call response. The back-end server response may be further configured for display on the touch screen.
    Type: Grant
    Filed: June 10, 2022
    Date of Patent: May 2, 2023
    Assignee: Bank of America Corporation
    Inventors: Brian Joseph Smith, Todd M. Goodyear, Sidney R. Roper, John P. Rice
  • Patent number: 11636728
    Abstract: The present disclosure relates generally to gaming systems and methods for facilitating funds to and from an electronic gaming machine via a mobile device.
    Type: Grant
    Filed: July 14, 2020
    Date of Patent: April 25, 2023
    Assignee: IGT
    Inventors: Erik B. Petersen, Kevin M. Higgins, Dwayne R. Nelson, Steven G. LeMay, Dwayne A. Davis, Dennis T. Kleppen, Warner R. Cockerille, IV, James A. Vasquez, Bradley Boudreau, Suzanne Cockerille, Marc A. Espin, Larry R. Hollibaugh
  • Patent number: 11625785
    Abstract: An electronic tokening system implemented by a data source transmits secure electronic tokens including time-based values to a plurality of terminals. The terminals may be geographically disparate, and the different terminals may have different connection speeds to the data source. The terminals may use the secure electronic tokens to consistently and reliable calculate data values.
    Type: Grant
    Filed: June 5, 2017
    Date of Patent: April 11, 2023
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Mohandas Ayikara Kizhakayil, Graham Robert McDannel, Bluford Hugh Putnam, Qifan Wu, Vijay Mani Pillai, James Joseph Boudreault
  • Patent number: 11625991
    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: October 13, 2021
    Date of Patent: April 11, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Shari Van Cleave, Darren Michael Goetz, Dennis Emmanuel Montenegro
  • Patent number: 11625506
    Abstract: Mobile devices executing applications may be tested for networking issues by utilizing a test network having proxy access devices placed at different physical locations. Devices may be stored in a secure enclosure that includes a host device. The enclosure includes access controls to prevent unauthorized removal of devices or access to stored data. If an unauthorized access, disconnection from the host device, or disconnection of a device from a power source is detected, devices may be placed into a locked state or data on the devices may be deleted. The enclosure may also include a control device for testing the exchange of Bluetooth data by the devices. The enclosure may also include conductive members placed on the touch sensors of devices for providing simulated touch input to the touch sensors by changing the capacitance of adjacent regions of the touch sensors.
    Type: Grant
    Filed: October 4, 2019
    Date of Patent: April 11, 2023
    Assignee: HEADSPIN, INC.
    Inventors: Severin Smith, Brien Colwell, Manish Lachwani
  • Patent number: 11625771
    Abstract: According to one embodiment, a method for performing a money withdrawal transaction includes transmitting a transaction identifier for use by an ATM. The method also includes receiving the transaction identifier from a mobile device of a user, where the mobile device obtains the transaction identifier by capturing machine readable code from the ATM. The method further includes receiving a withdrawal amount from the mobile device along with an identification of an account for use in the withdrawal transaction. The method additionally includes transmitting withdrawal information to a payment service provider to effectuate authorization of a withdrawal of funds from the ATM in an amount equal to the withdrawal amount. The withdrawal information is transmitted from the payment service provider to the ATM and subsequently received therefrom along with a PIN that is input by the user into the ATM. This process mimics existing withdrawal transaction processes of the ATM.
    Type: Grant
    Filed: March 14, 2019
    Date of Patent: April 11, 2023
    Assignee: FEXCO
    Inventors: John F. McCarthy, Brian Frey
  • Patent number: 11620633
    Abstract: Digital transaction apparatus including a Data Assistance Device (DAD), including a user interface that is operable to at least select data, and a DAD transmitter, a Digital Transaction Card (DTC), including a Digital Transaction Processing Unit (DTPU), and a DTC receiver, wherein the DAD and DTC are operable to transfer data from the DAD to the DTC and when subsequently using the DTC to effect a digital transaction, the DTC operates in accordance with the data selected and transferred from the DAD to the DTC, the DTC including a biometric reader operable to obtain biometric data of at least one physical characteristic of a user, wherein the biometric reader is connected to the processor for data transfer therebetween, wherein reference biometric data of an authorised user is stored on the processor, and wherein the DTC is operable to compare the obtained biometric data with at least a section of the reference biometric data, such that the authorisation of the user is determined.
    Type: Grant
    Filed: August 5, 2020
    Date of Patent: April 4, 2023
    Assignee: XARD GROUP PTY LTD
    Inventor: Robert Wilson
  • Patent number: 11620484
    Abstract: An apparatus may include a memory to store instructions; and processing circuitry, coupled with the memory, operable to execute the instructions. When executed, the instructions may cause the processing circuitry to identify a matrix code; read a first layer of the matrix code, the first layer comprising a first account identifier associated with an account, wherein the first layer corresponds to a first color channel; and read a second layer of the matrix code, the second layer comprising a set of account data, associated with the account, wherein the second layer corresponds to a second color channel, different than the first color channel.
    Type: Grant
    Filed: August 26, 2021
    Date of Patent: April 4, 2023
    Assignee: Capital One Services, LLC
    Inventors: Austin Grant Walters, Jeremy Edward Goodsitt, Fardin Abdi Taghi Abad
  • Patent number: 11620643
    Abstract: Embodiments of the invention are directed to a method for submitting a tokenization request via an access device. Embodiments allow tokens to be retrieved for complex mobile devices as well as basic card-type devices. Token requests can be formatted as authorization request messages and transmitted along authorization communication channels.
    Type: Grant
    Filed: November 25, 2015
    Date of Patent: April 4, 2023
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: James Dimmick
  • Patent number: 11620639
    Abstract: Systems and methods for dynamic inclusion of enhanced data in transactions are disclosed. According to another embodiment, in an information processing apparatus comprising at least one computer processor, a method for conducting a mobile wallet payment with dynamic enhanced data using a mobile payment application may include: (1) receiving, from a merchant point of transaction device, a transaction request from a mobile payment application executed by a mobile electronic device, the transaction request comprising a unique identifier for a financial instrument provisioned to a mobile wallet computer application and a payment option selection; and (2) processing the transaction request according to the payment option selection.
    Type: Grant
    Filed: February 28, 2018
    Date of Patent: April 4, 2023
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Howard Spector, Allison Beer, Craig Mullaney, Vimal Brahmbhatt, Brent Samuels
  • Patent number: 11620621
    Abstract: Processing a payment from a payer to a payee (operating a first computing system), by a second computing system, by receiving an electronically-generated payment transaction instruction (identifying the payer, specifying the amount of the payment, and specifying a communications link for the second computing system to obtain financial account information from the payer) from the first computing system, obtaining the financial account information from the payer via the specified communications link, generating an electronic data token representing the financial account information, outputting the electronic data token for transmittal to the first computing system (where the first computing system does not receive the financial account information and the second computing system does not provide the electronic data token to the payer), obtaining the amount from the payer using the financial account information, and forwarding at least a portion of the amount to the payee.
    Type: Grant
    Filed: August 8, 2019
    Date of Patent: April 4, 2023
    Assignee: Autoscribe Corporation
    Inventors: Robert Evan Pollin, Brian Edward Downey, Jr., Sean Allen Fleming
  • Patent number: 11611646
    Abstract: A method of executing an application on a mobile computing device includes providing a first host application on a mobile computing device. A sub-application is provided on the mobile computing device that is configured to selectively execute in response to execution of the first host application. The first host application is executed by the mobile computing device, including executing the sub-application. The sub-application is configured to execute a method that includes determining a location of the mobile computing device, and if the mobile computing device is determined to be at a location within a predetermined first geographic area, then sending digital content associated with the first geographic area to the mobile computing device and displaying the digital content associated with the first geographic area on the mobile device.
    Type: Grant
    Filed: April 30, 2020
    Date of Patent: March 21, 2023
    Assignee: INTERCEPT LLC
    Inventor: Steven Samuel Gal
  • Patent number: 11604430
    Abstract: An image forming apparatus includes: a feed tray that contains printing paper therein; a user authentication unit that authenticates a user who is permitted to print; a paper loading detection unit that detects printing paper loaded into the feed tray; a memory device that stores a user authenticated as a paper-supplementing user; a paper feeding mechanism that feeds the printing paper from the feed tray; a paper jam detection unit that detects a paper jam; and a controller that controls a print job. The controller, when a paper jam has occurred, determines whether or not the paper jam is due to the paper-supplementing user having loaded the printing paper in an improper manner. Upon determining that the paper jam is due to the paper-supplementing user having loaded the printing paper in an improper manner, the controller, subsequently when the paper-supplementing user uses, requests that a loading condition be checked.
    Type: Grant
    Filed: November 30, 2021
    Date of Patent: March 14, 2023
    Assignee: SHARP KABUSHIKI KAISHA
    Inventor: Naoki Hasegawa
  • Patent number: 11605075
    Abstract: Techniques for a secure and flexible distributed job processing between a transaction network of a service provider and a processing endpoint of an entity are described. In an example, a transaction instrument may be used for a transaction and may be registered with the processing endpoint based on a transaction account. The transaction network may store an ownership object associating a token corresponding to the transaction instrument, a user identifier unique to a user account, and a provider identifier unique to the transaction account. The transaction network may identify a membership status of the user account and may customize the transaction based on this status. The transaction, as customized, may be completed by sending the provider identifier and data about the customization to the processing endpoint.
    Type: Grant
    Filed: March 9, 2022
    Date of Patent: March 14, 2023
    Assignee: Amazon Technologies, Inc.
    Inventor: Sachin Girdhar
  • Patent number: 11606697
    Abstract: In general, apparatuses, methods and computer program products for construction and detection of spatial movements in a virtual reality (VR) space for performance of electronic activities are disclosed. A VR composite credential authentication device is provided that is configured is structured for capturing, customizing and transforming one or more VR composite credentials of a user and authenticating electronic activities based on at least the VR composite credentials. The VR composite credentials of the user are captured using one or more VR spatial sensor devices which are configured for capture and imaging of VR spatial movement and position credentials. The captured credentials are analyzed to determine an associated electronic activity. The electronic activity is initiated, automatically, in response to the successful validation of the captured credentials. Moreover, the invention allows for setting-up an infinitely customizable library of registered VR composite credentials.
    Type: Grant
    Filed: August 3, 2020
    Date of Patent: March 14, 2023
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Justin Riley duPont, Heather Roseann Dolan, Michael Donohue, Tony England, Lindsay Higgins, Malathi Jivan, Christina Ann Lillie
  • Patent number: 11599869
    Abstract: Identification elements may be added to a vehicle and the identification elements may be required before a transaction through the vehicle may be approved. The identification elements may be a second layer of security to ensure that a payment request is valid and not fraudulent.
    Type: Grant
    Filed: September 5, 2017
    Date of Patent: March 7, 2023
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Som Madhab Bhattacharya, Surendra Vyas
  • Patent number: 11601439
    Abstract: A digital ledger built upon a blockchain to provide users with the ability to securely, accurately, and verifiably share state information between distrustful parties is provided herein. The Verifiable Outsourced Ledger is hosted in a networked environment, accessible by multiple parties, and maintains an immutable view of the transactions submitted by authorized parties and a continuous view of the states shared between the parties that the parties can replicate independently locally to verify the integrity of the ledger.
    Type: Grant
    Filed: February 13, 2020
    Date of Patent: March 7, 2023
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Srinath Setty, Ramarathnam Venkatesan
  • Patent number: 11593790
    Abstract: Methods and systems for fault tolerant token based transactions are described. A user may perform a transaction with a mobile device. The mobile device may be in an offline mode or may be lacking a network connection to servers or cloud devices of a mobile payment system. The transaction may be processed through a transaction device, which may aid in the sending and receiving of transaction data while the mobile device is in the offline mode. The transaction device may communicate with the server or cloud device and the server or cloud device may process the transaction and communicate with the transaction device, which may forward data from the server or cloud device to the mobile device.
    Type: Grant
    Filed: June 29, 2021
    Date of Patent: February 28, 2023
    Assignee: PAYPAL, INC.
    Inventors: Max Edward Metral, Douglas Hurst, Kevin Laracey, Suzanne Lenox
  • Patent number: 11580825
    Abstract: A deposit and withdrawal service system using Automated Teller Machine (ATM) includes a communication module configured to receive a transaction request associated with a customer's asset managed by an institution from the ATM, and transmit a processing result received from the institution in response to the transaction request to the ATM, and a statement conversion module configured to convert the transaction request received from the ATM into aggregated details data that is independent from the ATM, and convert the processing result received from the institution into statement details data corresponding to the ATM having requested the transaction. The communication module is further configured to transmit the aggregated details data to the institution, receive the processing result from the institution, and transmit the processing result to the ATM as the statement details data.
    Type: Grant
    Filed: August 25, 2021
    Date of Patent: February 14, 2023
    Assignee: COOCON CO. Ltd.
    Inventors: Won Seok Choi, Sang Jin Lee
  • Patent number: 11580546
    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: August 21, 2020
    Date of Patent: February 14, 2023
    Assignee: 423 Enterprises, LLC
    Inventor: Patrick L. Murray
  • Patent number: 11567678
    Abstract: Exemplary surveillance system is provided having a plurality of data generating devices, and nodes for data handling of the data streams generated from the data generating devices. The system may be configured to fragment the data streams and store the fragments among the plurality of nodes of the system. The system may be configured to redundantly transmit data through the nodes so the fragmented data stream arrive at the desired location for storage. The data transmission may permit redirection or retransmission based on node or data transmission failure.
    Type: Grant
    Filed: January 30, 2020
    Date of Patent: January 31, 2023
    Assignee: Practechal Solutions Inc.
    Inventors: Joshua Mendiola, Jonathan Adam, Darren Furtado
  • Patent number: 11568403
    Abstract: A toll transponder may receive transaction card data identifying a transaction card associated with a transaction account. The toll transponder may provide to a toll server device, and via a toll antenna of a toll collection system, a request for a transaction amount for a vehicle toll, and may receive a response requesting authorization for payment of the transaction amount. The toll transponder may determine, based on the response, an authorization request cryptogram for payment of the transaction amount, and generate an encrypted signal identifying the authorization request cryptogram, the transaction card data, and a toll transponder identifier identifying the toll transponder. The toll transponder may provide the encrypted signal to the toll server device via the toll antenna, and may receive from the toll server device, via the toll antenna, data indicating whether the transaction amount for the vehicle toll is approved.
    Type: Grant
    Filed: August 11, 2020
    Date of Patent: January 31, 2023
    Assignee: Capital One Services, LLC
    Inventors: George Bergeron, Adam Vukich, James Zarakas
  • Patent number: 11568401
    Abstract: A digital payment system for facilitating seamless transactions from a user system to a buyer system. The system includes a service provider system which further includes a service interaction component. The service interaction component is configured to collect predefined information about the user system and the associated user. The service provider system also includes a payment engine for processing payments digitally based on data worth associated with the data owned by the user and authorized for sharing by the service provider to the buyer system. The payment engine calculates a payable amount payable digitally by the user to the service provider based on a digital transactional value indicative of the data worth associated with the data owned by the user and authorized for sharing, among other things. The system further includes a pre-consenting system configured to facilitate user authorization.
    Type: Grant
    Filed: March 30, 2020
    Date of Patent: January 31, 2023
    Assignee: Netspective Communications LLC
    Inventor: Shahid N. Shah
  • Patent number: 11568377
    Abstract: A method performed by a processor of a provider computing system includes allowing an account holder at the provider to initiate a transaction with the provider remotely (e.g., via smartphone, online banking, etc.), by submitting a request for a specified transaction to be picked up in a lockbox at a provider's lockbox location. The pickup and completion of the account holder's requested transaction occurs at a lockbox location that has a plurality of lockboxes. The lockbox allows the account holder to access the facility at the account holder's leisure, both in time and location. The lockbox pickup service alleviates the uncertainty, fluctuating time cost, and inconvenient operating hours by allowing the account holder to request transactions with an easy to use interface resulting in a lockbox to be accordingly prepped so that the account holder can provide the proper authentication information and access the lockbox.
    Type: Grant
    Filed: January 10, 2018
    Date of Patent: January 31, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Darren M. Goetz, Miranda C. Hill, Dennis E. Montenegro, Alicia Y. Moore, Susan Symons, Timothy R. Ward
  • Patent number: 11562332
    Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.
    Type: Grant
    Filed: September 19, 2017
    Date of Patent: January 24, 2023
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Michael Frank Morris, Reynaldo Medina, III, Greg Alan Harpel, Gabriel Glenn Gavia, Bharat Prasad, Frank Kyle Major, Jeffrey Neal Pollack
  • Patent number: 11562612
    Abstract: Shown is a device for handling notes of value, with an input/output compartment, a pull-off and separating device, an intermediate storage unit comprising a drum storage, at least one cash box, a transport device for the transport of notes of value between the afore-mentioned units, and a control unit. The control unit is configured to control the transport device such that notes of value that are to be stored in the cash box are fed to the drum storage and are intermediately stored thereat, and these notes of value are again taken from the intermediate storage unit after receipt of a confirmation information, are fed to the cash box and are stored therein.
    Type: Grant
    Filed: July 16, 2020
    Date of Patent: January 24, 2023
    Assignee: Wincor Nixdorf International GmbH
    Inventor: Hermann Höschen
  • Patent number: 11551193
    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: February 8, 2018
    Date of Patent: January 10, 2023
    Assignee: STRIPE, INC.
    Inventors: Christopher Continanza, Shreyas Surendra Doshi, Brian David Krausz, Jay Shah
  • Patent number: 11551210
    Abstract: An automated transaction machine can include a user-interface device, a computing device, a battery, a head portion, a first socket-half, a first electrical rail, and a relay. The a user-interface device can be configured to receive an input from a user and transmit the input. The computing device can receive the input. The battery can selectively direct electric power to the user-interface device and the computing device, which can all be housed in the head portion. The first socket-half can be exposed on an outside surface of the head portion and direct power to the user-interface device, the computing device, and the battery. The relay can be arranged to connect the battery and the first electrical rail in a first configuration and be switched between the first configuration and the second configuration by an output signal of the first socket-half.
    Type: Grant
    Filed: April 22, 2020
    Date of Patent: January 10, 2023
    Assignee: Diebold Nixdorf Incorporated
    Inventors: David Kuchenski, Richard Harris
  • Patent number: 11551197
    Abstract: A method for touchless communication between an ATM and a smartglasses device worn by a user is provided. The method may be executed at the smartglasses device. The method may include identifying a current global positioning system (“GPS”) location of the ATM. The method may include communicating with an external database to determine an ATM identifier associated with the ATM. The ATM identifier may include ATM communication data. The method may include transmitting an external smartglasses identifier to the ATM via the ATM communication data. The method may include receiving a communication from the ATM. The communication may include an interactive payment interface. The method may include displaying the interactive payment interface on the smartglasses. The method may include receiving one or more commands from the user. The method may include transmitting the one or more commands from the smartglasses to the ATM.
    Type: Grant
    Filed: January 1, 2021
    Date of Patent: January 10, 2023
    Assignee: Bank of America Corporation
    Inventor: Saurabh Gupta
  • Patent number: 11544681
    Abstract: In one embodiment, a method includes receiving, by a payment server, an identity of a customer based on data obtained from a mobile application executing on a device associated with the customer. The method includes creating a financial account for the customer. The method includes, upon receiving a request for a cash deposit or cash withdrawal via the mobile application, facilitating, by the payment server, generation of an electronic code to be used at a point-of-sale (POS) device of a merchant. The method includes receiving transaction information associated with a transaction involving the customer and the POS device of the merchant. The transaction information includes the electronic code. The method includes identifying, based on the transaction information, the financial account of the customer. The method includes causing an adjustment of a monetary balance of the financial account of the customer in a mapping database.
    Type: Grant
    Filed: February 2, 2021
    Date of Patent: January 3, 2023
    Assignee: Block, Inc.
    Inventors: Mathew Wilson, Daniel Phillip Neighman
  • Patent number: 11544987
    Abstract: An automated till register system that includes at least one processor, at least one Point of Sale (POS) system and interface, two cash recycler machines and one coin recycler machine arranged in a twin opposite configuration, the cash recycler machines oriented on opposite sides of one another, one on a cashier side and one on a customer side with a coin recycler located in the middle of the system between both cash recyclers. The system being networkable and having memory to perform executable instructions involving both cash and cashless transactions over a POS network thereby eliminating the need for a cash drawer and minimizing the handling of cash at every phase of the transactional process. Methods of use are implemented to eliminate cash drawer systems and minimize cash handling at all steps of the transactional process.
    Type: Grant
    Filed: August 21, 2020
    Date of Patent: January 3, 2023
    Inventor: Thomas Recine
  • Patent number: 11543951
    Abstract: An automated teller device having accessibility configurations is disclosed. in one aspect, in response to a setting to enable the accessibility keypad mode, the automated teller device operates a session in an accessibility keypad mode. In the accessibility keypad mode a second set of actions is mapped to the keys of the keypad. The second set of actions is different than a first set of actions mapped to the keys of the keypad in a standard keypad mode. The second set of actions comprises one or more of actions for navigation and input selection of the graphical user interface, actions for control of audio being reproduced, actions for control of volume of the audio being reproduced, or actions for control of a rate of reproduction of the audio being reproduced.
    Type: Grant
    Filed: March 25, 2021
    Date of Patent: January 3, 2023
    Assignee: The Toronto-Dominion Bank
    Inventors: Steven Gervais, Sara Durning, Amanda Buchanan, Na-Hyun Sophie Park, Gregory James Hamilton, Miguel Martin C. Florendo, Gary Joseph Fernandes, Nikolay Tzankov Markov, Bridget Lennon, Tristan Rodzen, James Grimmer
  • Patent number: 11546214
    Abstract: A method of network configuration of a personal identification number (PIN) pads includes receiving a request to upgrade a PIN pad from a merchant or an individual software vendor (ISV) to read microprocessor-enabled or contactless payment vehicles, retrieving a PIN pad configuration hash value from the PIN pad, obtaining current configuration using the hash value, sending instructions to the PIN pad to upgrade the PIN pad over a network if the PIN pad is capable of reading microprocessor-enabled or contactless payment vehicles, and downloading and installing drivers to enable PIN pad readers to read and process at least one of the microprocessor-enabled payment vehicles and contactless payment vehicles according to the instructions. The method further performs additional operations such as updating the PIN pad registry with the PIN pad configuration and enabling the PIN pad to read the microprocessor-enabled or contactless payment vehicles.
    Type: Grant
    Filed: June 21, 2022
    Date of Patent: January 3, 2023
    Assignee: Worldpay, LLC
    Inventor: Bryan Cox
  • Patent number: 11544699
    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: August 31, 2018
    Date of Patent: January 3, 2023
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Howard Spector, Eric L. Connolly, John D. Moore, Nancy E. Hiebler, Michael Naggar, Ayman Hammad, Tuan Dao, Venkat Maranani
  • Patent number: 11538025
    Abstract: A method includes receiving request to register for a mobile wallet from a user mobile device; determining that a user associated with the user mobile device has an account at a financial institution; identifying a subset of services from a plurality services commonly used by the group of mobile wallet users; generating user interface parameter instructions that cause presentation of mobile wallet interfaces specific to the identified subset of services; displaying a mobile wallet interface having a graphical depiction of at least one service from the identified subset of services; receiving an activity dataset for a mobile wallet session of the user; determining that the user has not interacted with the graphical depiction of the at least one service from the identified subset of services during the mobile wallet session of the user; and, updating the mobile wallet interface to remove the graphical depiction of the at least one service.
    Type: Grant
    Filed: May 24, 2017
    Date of Patent: December 27, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Sudipta N. Kitsis, Ashish B. Kurani, Kimberly R. Nelson
  • Patent number: 11537461
    Abstract: Techniques are disclosed relating to automatically resolving an error in a user interaction with a user page without the user having to disengage from the user page to resolve the error. A monitoring agent may interface with the user page. The monitoring agent may provide an error signal to an error resolution module in response to detecting an error in the user interaction with the user page. The error resolution module may determine a causal factor for the error based on the error signal and contextual data at the time of the error. A resolution flow may be determined based on the causal factor. The resolution flow may be implemented by the monitoring agent contextually within the user page to resolve the error without the user disengaging from the user page.
    Type: Grant
    Filed: May 19, 2020
    Date of Patent: December 27, 2022
    Assignee: PayPal, Inc.
    Inventors: Chengal Reddy Yerradoddi, Phanendra Mallampalli, Rajesh Cherukuri, Jesse Stuart Ports, Venkata Naga Sai Ranga Rao Chadalawada
  • Patent number: 11538006
    Abstract: Described herein are means for conducting transactions between bots using Distributed Ledger Technology (DLT) in a cloud based computing environment.
    Type: Grant
    Filed: January 31, 2020
    Date of Patent: December 27, 2022
    Assignee: salesforce.com, inc.
    Inventor: Savithru Mallikarjuna Durga Lokanath
  • Patent number: 11538326
    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: January 15, 2020
    Date of Patent: December 27, 2022
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Abdelkader Benkreira, Joshua Edwards, Michael Mossoba
  • Patent number: 11526933
    Abstract: Systems and methods relating to generating trackable transaction requests are disclosed. A financial institution computing system includes a customer database storing financial information and tracking information, a network interface circuit enabling the financial institution computing system to exchange information over a network, and a transaction circuit generating trackable transaction requests across a plurality of financial institutions. The transaction circuit receives financial information from an originator computing system over the network and generates a corresponding transaction request including a transaction identification code. The transaction request is transmitted to a correspondent institution over the network and tracking information is received from at least one correspondent institution. The tracking information is provided to the originator computing system the transaction circuit settles the transaction request.
    Type: Grant
    Filed: December 20, 2016
    Date of Patent: December 13, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Naga Adapala, Kristin K. Koppelman, Carine P. Gursky, Gregg R. Napoli, Sushil Kumar Vyas
  • Patent number: 11526821
    Abstract: A method of managing media replenishment for a media terminal is described. The method comprises: calculating an amount of media required for the media terminal; receiving from the media terminal an indication of media items deposited at that media terminal that have a condition fulfilling a condition criterion; and adjusting the calculated amount of media required based on the indication of media items that fulfill the condition criterion.
    Type: Grant
    Filed: August 29, 2013
    Date of Patent: December 13, 2022
    Assignee: NCR Corporation
    Inventor: Michael James Neilan
  • Patent number: 11521198
    Abstract: A computer-implemented method for allowing purchase of virtual gift cards includes receiving a communication indicating a gift card type and specifying a value amount. Responsive to the communication, a purchase of a virtual gift card of that type and storing that value amount is processed. This processing includes processing a payment for the specified value amount. Further, a gift card merchant application programming interface (API) capable of processing a purchase of a virtual gift card of the indicated gift card type is identified from amongst a set of such APIs. That API is used to initiate purchase of the virtual gift card. After the purchase is processed, an indication of the purchased virtual gift card is sent to a mobile computing device. The mobile computing device uses the indication to configure itself to allow transactions using the purchased virtual gift card to be initiated. Fraud detection may also be performed.
    Type: Grant
    Filed: January 10, 2020
    Date of Patent: December 6, 2022
    Assignee: THE TORONTO-DOMINION BANK
    Inventors: Michael Pronski, Buturab Rizvi
  • Patent number: 11521197
    Abstract: Apparatus and methods for a payment instrument are provided. The apparatus may include a primary chip positioned on an outer face of the payment instrument and a power source. The apparatus may include a first supplementary chip, a second supplementary chip, and a third supplementary chip. Each of the first, second and third supplementary chips may be positioned within a thickness of the payment instrument and configured to draw power from the power source.
    Type: Grant
    Filed: February 11, 2021
    Date of Patent: December 6, 2022
    Assignee: Bank of America Corporation
    Inventors: Rama Rao Gaddam, Shailendra Singh, Sandeep Kumar Chauhan
  • Patent number: 11521188
    Abstract: Disclosed herein are system, method, and computer program product embodiments for using a third party dynamic QR code on a personal mobile device to complete a transaction at an ATM. The customer may stage a transaction using a mobile application on a mobile device. Upon the staged transaction being authenticated and approved, a machine readable image may be transmitted to the mobile device. When the customer visits the ATM, the machine readable image on the mobile device may be captured by the ATM and sent to an application server from the ATM. The application server may associate the ATM with the staged transaction that is staged using the mobile application, and send instructions to the ATM to dispense cash according to the staged transaction.
    Type: Grant
    Filed: June 21, 2021
    Date of Patent: December 6, 2022
    Assignee: Capital One Services, LLC
    Inventor: Jeremy J. Phillips
  • Patent number: 11516197
    Abstract: Embodiments may generally be directed components and techniques to detect a request to provide banking account information over a one or more voice connections, identify the requested banking account information, and generate speech data representing the banking account information requested. In embodiments further include communicating the speech data to another device.
    Type: Grant
    Filed: April 30, 2020
    Date of Patent: November 29, 2022
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Michael Mossoba, Joshua Edwards
  • Patent number: 11514442
    Abstract: A system and method for secure input using tokens is provided. A computer-implemented method conducted at a server computer includes receiving a transaction confirmation request associated with a transaction. The method includes providing, to an end-user via an online platform, a plurality of user input options associated with the transaction. The method includes receiving, from the end-user via the online platform, a unique token associated with a selected user input option, the unique token having been obtained by the end-user inputting a selection of a user input option into an end-user token generator which is configured to generate the unique token uniquely specifying the selected user input option. The method includes validating the unique token and identifying the selected user input option with which the unique token is associated.
    Type: Grant
    Filed: February 19, 2020
    Date of Patent: November 29, 2022
    Assignee: Entersekt International Limited
    Inventors: Dino Dominique Rodrigues Alves, Francois Archibald Nolte, Philip Johannes Cornelis Nel, Christopher Karl-Heinz Zeuch, Iftekhar Akoob, Riaan Jacobs, Bernard Wagner
  • Patent number: 11514239
    Abstract: System and method for generating RCS message templates using a graphical user interface (GUI) with concurrent representative display. Templates are generated based on inputs via an input region of the GUI. Inputs can include a template name, a template type, and message content, which can include text, images, video, interactive buttons or icons, and so forth. Inputs can be static or parameterized. A representative message based on the template is concurrently displayed in a display region of the GUI. Based on the inputs, the system generates RCS message templates, such as by compiling JSON code corresponding to the user inputs and the representative display. The templates can be used to generate and send finalized RCS messages, such as text messages, rich cards, and so forth, by invoking a generated template and providing data for any parameterized fields in the template.
    Type: Grant
    Filed: May 17, 2021
    Date of Patent: November 29, 2022
    Assignee: Telesign Corporation
    Inventor: Ilija Zagorac