Banking Systems Patents (Class 235/379)
  • Patent number: 10665064
    Abstract: An escrow unit has an escrow wheel and a movable-continuous belt. The escrow wheel rotates about an axis. The movable-continuous belt is wrapped partially around the escrow wheel forming an open gap between the belt and escrow wheel. The open gap allows the belt to transport a document through the open gap and to store the document by holding the document between the belt and the escrow wheel.
    Type: Grant
    Filed: July 12, 2017
    Date of Patent: May 26, 2020
    Assignee: Deibold Nixdorf, Incorporated
    Inventors: Michael J. Harty, William Daniel Beskitt
  • Patent number: 10664824
    Abstract: Techniques for enhancing the security of a communication device when conducting a transaction using the communication device may include receiving a cryptogram generation key replenishment request that includes transaction log information derived from transaction data stored in a transaction log on a communication device, verifying that the transaction log information in the replenishment request is consistent with the previously received transaction information, and providing a new cryptogram generation key to the communication device in response to verifying the transaction log information in the replenishment request.
    Type: Grant
    Filed: April 10, 2018
    Date of Patent: May 26, 2020
    Assignee: Visa International Service Association
    Inventors: Erick Wong, Christian Flurscheim, Oleg Makhotin, Eduardo Lopez, Sanjeev Sharma, Christopher Jones, Abhishek Guglani, Jarkko Oskari Sevanto, Bharatkumar Patel, Tai Lung Burnnet Or, Christian Aabye, Hao Ngo, John F. Sheets
  • Patent number: 10664933
    Abstract: A system and method for automated patron identification and communication management, comprising a patron management server that receives location and ID information from a plurality of client devices via a network, directs a display manager, and retrieves patron information from a patron profile data store; a display manager that presents patron information for viewing; and a patron profile data store that stores and provides patron information.
    Type: Grant
    Filed: July 27, 2016
    Date of Patent: May 26, 2020
    Assignee: ROCKSPOON, INC.
    Inventor: Nagib Georges Mimassi
  • Patent number: 10657532
    Abstract: Logic on a first remote device receives a first transaction number and personal data transmitted from a second remote device. The first transaction number was received from a distributed public database in response to a transmission, from the second remote device, of a signed hash value and a first public key associated with a first private key on the second remote device. The signed hash value was created by signing a hash value with the first private key and the hash value was generated by hashing the personal data with a hashing algorithm on the second remote device. The logic uses the first transaction number to retrieve the signed hash value and the first public key from the distributed public database. The logic hashes the personal data using the hashing algorithm to create a generated hash value and verifies the signed hash value against the generated hash value.
    Type: Grant
    Filed: July 3, 2017
    Date of Patent: May 19, 2020
    Assignee: Ping Indentity Corporation
    Inventor: Armin Ebrahimi
  • Patent number: 10657588
    Abstract: A system for generating and processing an electronic funding application is disclosed. The system includes a memory storing instructions and a processor configured to execute the instructions to transmit the electronic funding application to a client and enter financial data into the funding application. The financial data includes a magnetic ink character recognition (MICR) line, a currency amount, and an account identifier. The instructions further transmit the financial data to a server, validate at least a portion of the financial data by comparing a portion of the financial data to data representing valid demand deposit accounts, convert the MICR line to an item compatible with an automated clearing house (ACH) network, and submit the item and the currency amount to the ACH network. The currency amount is transferred from the demand deposit account of the customer to the financial account of the customer.
    Type: Grant
    Filed: May 22, 2017
    Date of Patent: May 19, 2020
    Assignee: EFUNDS CORPORATION
    Inventors: Whitney Hilton Stewart, Robert Lawrence Hill, Connie Koep
  • Patent number: 10657561
    Abstract: A system and method of zone tracking for delivery of media to customers within a store is disclosed. Zone tracking enables targeting of media to at least one electronic device both in the presence of as well as in the absence of customer triggers by monitoring the physical location of the electronic device associated with the customer in the store. The zone tracking system and method preferably use a combination of at least one location-tracking server and at least one access point to track a customer's present location within a store as well as items in the vicinity of the customer.
    Type: Grant
    Filed: August 20, 2008
    Date of Patent: May 19, 2020
    Assignee: MODIV MEDIA, INC.
    Inventors: Saji Aravind, Matthew Volpi, Satish Gopalakrishnan
  • Patent number: 10657530
    Abstract: Embodiments of the present invention are related to systems and methods of verifying the integrity of transactions that traverse through complex system workflows, and particularly, verifying the integrity of financial and non-financial transactions that traverse through a plurality of financial systems making up one or more system workflows. In one embodiment, a clearing system is disclosed to include a central clearing engine configured for processing a plurality of transactions by retrieving transaction data of at least one transaction of the plurality of transactions from at least one data source based on a selection received. After parsing the transaction data, the central clearing engine may verify transaction data integrity based on the transaction data and determine a result, and generate a report based on the result.
    Type: Grant
    Filed: May 26, 2017
    Date of Patent: May 19, 2020
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Christopher Arthur Smith, Lamour Guthrie Roberts, Kin Kei Chau
  • Patent number: 10650382
    Abstract: There is provided a method, comprising: receiving a serial code and an associated value, accessing a first database storing active serial codes each associated with an active value, wherein the first database is accessed for each received serial code when the serial code is active and when the serial code is inactive, and the first database is accessed for each received serial code when the associated value is active and when the associated value is inactive, when no match is found, accessing a second database storing invalid serial codes each associated with an invalid value, matching the received serial code to a certain invalid serial code, and providing the invalid value associated with the certain invalid serial code, wherein a client terminal is unable to distinguish between the provided invalid value and an active value otherwise returned for a positive match between the serial code and the active serial codes.
    Type: Grant
    Filed: September 5, 2017
    Date of Patent: May 12, 2020
    Assignee: nSure.ai Payment Assurance Ltd.
    Inventor: Ziv Isaiah
  • Patent number: 10649974
    Abstract: In one example, a method for managing data includes detecting, in a shared multi-tenant deduplication system, a data stream that is specific to a particular user and that includes one or more user objects each having one or more data chunks. The data associated with the user is salted by associating a user-specific salt with the data chunks of the one or more user objects to form user-specific combinations of the form ((user-specific salt)+(user data chunk)). Finally, the user data is processed using the user-specific salt.
    Type: Grant
    Filed: September 30, 2015
    Date of Patent: May 12, 2020
    Assignee: EMC IP HOLDING COMPANY
    Inventor: Peter Marelas
  • Patent number: 10650473
    Abstract: A method of accelerating transactions for a relational database using a pre-populated multidimensional data cube includes pre-populating the multidimensional data cube based on values from the relational database system; executing one or more transactions using values in the multidimensional data cube instead of using the values from the relational database system; generating one or more entries that update the relational database system using results generated from executing the one or more transactions; posting the one or more entries to the relational database system; and repopulating the multidimensional data cube based on values from the relational database system that changed as a result of posting the one or more entries to the relational database system.
    Type: Grant
    Filed: January 23, 2019
    Date of Patent: May 12, 2020
    Assignee: Oracle International Corporation
    Inventors: Abhijit Dhakephalkar, David Haimes, Arunesh C. Banerjee, Zeesha Currimbhoy, Robert Zwiebach, Rondy Ng
  • Patent number: 10652370
    Abstract: An image item processing engine for image item exchange may receive an image item data packet including two image items, each including a digital image documenting an action for a recipient institution and associated metadata. The metadata may identify the image item sender and a country associated with an image item, the packet originator, or the recipient institution, at least one country associated with the second image item being different than a country associated with the first image item. The engine may apply sorting rules to determine item types for the first and second image items based on their metadata, determine a recipient institution for the packet based on the item types, assemble a data transfer packet including the digital images and metadata included in the first and second image items, and provide the data transfer packet to a transfer packet routing service for routing to the selected recipient institution.
    Type: Grant
    Filed: December 7, 2017
    Date of Patent: May 12, 2020
    Assignee: Bank of America Corporation
    Inventors: Timmy Leo Gauvin, Kenneth R. Cox, Haywood P. Enloe, Jasher David Fowles, Georgeann Paschal Gregory, Christopher David Greth, Shawn Cart Gunsolley, Charles Christopher Harbinson, Leslie Marie LaRock, Clarence E. Lee, II, Timothy Alan Mincey, Jeanne Marie Moulton, Raymond William Schall, Jr., Tami Marie Shepard, Michael G. Smith, Shashi R. Warrier
  • Patent number: 10644879
    Abstract: A key ceremony application creates bundles for custodians encrypted with their passphrases. Each bundle includes master key share. The master key shares are combined to store an operational master key. The operational master key is used for private key encryption during a checkout process. The operational private key is used for private key decryption for transaction signing in a payment process. The bundles further include TLS keys for authenticated requests to create an API key for a web application to communicate with a service and to unfreeze the system after it has been frozen by an administrator.
    Type: Grant
    Filed: July 13, 2018
    Date of Patent: May 5, 2020
    Assignee: Coinbase, Inc.
    Inventors: Andrew E. Alness, James Bradley Hudon
  • Patent number: 10643293
    Abstract: Systems, methods, apparatus, and computer program products are provided for initiating shipment of and payment for shipping a parcel. For example, in one embodiment, a customer/user can receive a message on a user device from a carrier that includes an authorization code for shipping a parcel. After the customer/user ships the parcel, the carrier can charge a variety of accounts for the shipping charges, including a wireless services provider associated with the user device. In another embodiment, the customer/user can interact with a kiosk to ship the parcel. In this embodiment, the carrier can also charge a variety of accounts for the shipping charges, including a wireless services provider.
    Type: Grant
    Filed: June 2, 2015
    Date of Patent: May 5, 2020
    Assignee: UNITED PARCEL SERVICE OF AMERICA, INC.
    Inventors: Sathiyan Parameswaran, Bruce Besserer, Nicholas Costides, Mark Hilbush
  • Patent number: 10643194
    Abstract: A document handler system and method includes timed operation functionality in which the manufacturer of the document handler may input coded information in the document handler to establish a timed operation of the document handler which may be contingent on continued payments for use of the document handler. Alternatively, or in addition, the timed operation may be used to establish an appropriate warranty period during which the manufacturer is obligated to provide repairs, modification and/or support for the document handler.
    Type: Grant
    Filed: July 31, 2017
    Date of Patent: May 5, 2020
    Assignee: JCM American Corporation
    Inventors: Mark Henderson, Bryan Allen Wilcutt, Mark Adams, David Christopher Kubajak, Steven Johnson
  • Patent number: 10642565
    Abstract: An NFC-enabled apparatus is disclosed. The apparatus includes a touch screen display and a near field communication (NFC) module comprising an NFC antenna and an NFC controller. In response to tagging between the NFC-enabled apparatus and the external NFC terminal, an NFC communication channel is established between the NFC-enabled apparatus and the external NFC terminal for data communication therebetween.
    Type: Grant
    Filed: April 5, 2019
    Date of Patent: May 5, 2020
    Assignee: AQ CORPORATION
    Inventors: Sang Hoon Lee, Jin Hwa Kim
  • Patent number: 10643425
    Abstract: A system and method for identifying potentially banned transactions in a real time or near real time fashion is provided. The identification of banned transactions may help a lottery corporation to ensure that retailers are enforcing the rules.
    Type: Grant
    Filed: April 1, 2014
    Date of Patent: May 5, 2020
    Assignee: Ontario Lottery and Gaming Corporation
    Inventors: Chris Cameron, Christopher Parrott, Ugo Cicchello
  • Patent number: 10643207
    Abstract: Methods, systems, and machine-readable media are disclosed for processing a card-not-present transaction. According to one embodiment, processing a card-not-present transaction can comprise receiving a request for a card-not-present transaction involving an enrolled consumer. The request can include information identifying the enrolled consumer. A record of information related to the enrolled consumer can be read and the enrolled consumer can be authenticated based at least in part on the information of the request and the record of information related to the enrolled consumer. In response to authenticating the enrolled consumer, a set of single-use payment information can be generated which can include a one-time password and a dynamic Primary Account Number (PAN) which is valid for a single transaction. The single-use payment information can be provided to the enrolled consumer or the merchant to complete the transaction in place of the true PAN.
    Type: Grant
    Filed: July 16, 2018
    Date of Patent: May 5, 2020
    Assignee: First Data Corporation
    Inventor: Vijay K. Royyuru
  • Patent number: 10643203
    Abstract: Systems and methods that provide improved security and scalability in digital token exchange are disclosed. A secure transaction controller may include an exchange request module, exchange matching module, and exchange execution module to facilitate the exchange of different classes of value tokens.
    Type: Grant
    Filed: November 10, 2016
    Date of Patent: May 5, 2020
    Assignee: DIGICASH PTY LTD.
    Inventors: Andreas Furche, Jelte Willem Jan Van Der Hoek
  • Patent number: 10643192
    Abstract: A method, apparatus, computer-readable medium, and/or system may comprise a server having a first processor, a database, and first memory storing computer-executable instructions. The system may comprise a self-service device having a second processor, a plurality of sensors configured to capture images, and second memory storing computer-executable instructions that, when executed by the second processor, cause the self-service device to detect a start of user activity at the self-service device. In response to detecting the start of the user activity at the self-service device, the self-service device may capture, by one or more of the plurality of sensors, a plurality of images of the user activity at the self-service device. The self-service device may detect an end of the user activity at the self-service device. In response to detecting the end of the user activity at the self-service device, the self-service device may generate data indicative of the user activity at the self-service device.
    Type: Grant
    Filed: September 6, 2016
    Date of Patent: May 5, 2020
    Assignee: Bank of American Corporation
    Inventors: Matthew K. Bryant, Nathan Dent, Nicholas Munson, Alejandro Vargas
  • Patent number: 10645072
    Abstract: A method for facilitating the detection of misuse of an identity during an electronic transaction comprises the step of receiving a notification to authenticate the use of an identity at a first location, wherein the identity is associated with a mobile phone; determining an approximate location of the mobile phone, and determining whether the first location and mobile phone locations match in geographical proximity. The approximate location of the mobile phone is determined based on cached position information. The invention provides a method for ensuring that the cached position information is up to date, by overwriting stale information with new position information derived by accessing a database that correlates Wi-Fi signals detected by the mobile phone with a geographic location.
    Type: Grant
    Filed: March 25, 2019
    Date of Patent: May 5, 2020
    Assignee: Spriv LLC
    Inventors: Guy Hefetz, Jacob Heffez, Christopher Donald Wood
  • Patent number: 10636087
    Abstract: Among other things, embodiments of the present disclosure can help predict the optimal allocation for effecting payment transactions from, or deposit transactions to, multiple aggregated financial accounts for a user, even across accounts held in different countries or denominated in different currencies. The system may effect transactions automatically according to the identified optimal allocation, as well as providing users with options to handle transactions. Furthermore, embodiments of the present disclosure can enhance a user's visibility into future balances and transactions using a customized graphical calendar that illustrates a user's predicted future balances and transactions.
    Type: Grant
    Filed: March 7, 2017
    Date of Patent: April 28, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Jennifer Dione Bardouille, Sean Christopher Goldrick, Diane Lynn Hoehne, Wiyomi Rustia Quion
  • Patent number: 10637866
    Abstract: A technique for registering a device (10) with a rights issuer system (12) in a digital rights management (DRM) context is described. The device (10) is provided with DRM registration information that is required to use protected content. The DRM registration information is generated from rights issuer information on the one hand and device information on the other hand. The DRM registration technique described herein does not require an interactive registration protocol between a rights issuer server (12) and the device (10). Rather, the DRM registration information may be generated and transferred to the device (10) even if the device (10) is offline, inactive or switched-off.
    Type: Grant
    Filed: November 8, 2004
    Date of Patent: April 28, 2020
    Assignee: TELEFONAKTIEBOLAGET LM ERICSSON (PUBL)
    Inventors: Frank Hartung, Uwe Horn, Markus Kampmann
  • Patent number: 10636101
    Abstract: Systems and methods are provided for managing sales tax information. The information may be generated, for example, in connection with transactions involving financial accounts, such as a credit card account. The sales tax information may be received electronically from, for example, a merchant or a point of sale device. A determination may be made whether there is any missing sales tax information. If there is missing information a request may be generated and sent to a source having the information. The source may receive the request, retrieve the desired information, and transmit it to the requesting entity. The sales tax information may be stored and later retrieved for presentation to a user, such as the account holder. The account holder may use the information in completing a tax return.
    Type: Grant
    Filed: December 17, 2018
    Date of Patent: April 28, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Eric D. Fox, Robert W. Gregory, Jr.
  • Patent number: 10636233
    Abstract: A system and method for a handshake authenticated coded locked container are provided. In example embodiments, a digitally encoded lock mechanism that is used by a sender to lock a container before shipping is determined. An access key is received from the recipient that receives the container. An authentication process is performed that determines whether the access key triggers the unlocking of the container. Based on a determination that the access key triggers the unlocking of the container, instructions are provided to unlock the container.
    Type: Grant
    Filed: January 7, 2019
    Date of Patent: April 28, 2020
    Assignee: eBay Inc.
    Inventors: Dane Glasgow, Sergio Pinzon Gonzales, Jr., Ilya Brown
  • Patent number: 10635377
    Abstract: An NFC-enabled apparatus is disclosed. The apparatus includes a touch screen display and a near field communication (NFC) module comprising an NFC antenna and an NFC controller. In response to tagging between the NFC-enabled apparatus and the external NFC terminal, an NFC communication channel is established between the NFC-enabled apparatus and the external NFC terminal for data communication therebetween.
    Type: Grant
    Filed: April 5, 2019
    Date of Patent: April 28, 2020
    Assignee: AQ CORPORATION
    Inventors: Sang Hoon Lee, Jin Hwa Kim
  • Patent number: 10628817
    Abstract: A user conducts a wireless payment transaction with a merchant system by transmitting payment information from a user device to a terminal reader without accessing a secure element resident on the user device. A user taps a user device in a merchant system's terminal reader's radio frequency field. The terminal reader and the user device establish a communication channel and the terminal reader transmits a signal comprising a request for a payment processing response. The signal is received by the user device and converted by a controller to a request understandable by an application host processor. The controller transmits the request to the application host processor, where the request is processed, and a response is transmitted to the controller and then to the terminal reader. The response generated by the application host processor is identifiable by the merchant system as a payment response.
    Type: Grant
    Filed: April 30, 2018
    Date of Patent: April 21, 2020
    Assignee: Google LLC
    Inventor: Sarel Kobus Jooste
  • Patent number: 10628829
    Abstract: A device receives, from a transaction device, transaction data associated with a transaction of a user logged into the transaction device, and receives information indicating a selection of an abort transaction mechanism to cause the transaction to be canceled concurrently with the user being logged out of the transaction device. The device provides, to a user device associated with the user, a notification indicating that the transaction was canceled and that the user was logged out, and determines whether a response, indicating that the notification was received by the user and indicating a reason for utilizing the abort transaction mechanism, is received from the user device within a threshold period of time. The device provides an alert message to an emergency point of contact for the user when it is determined that the response is not received from the user device within the threshold period of time.
    Type: Grant
    Filed: May 29, 2019
    Date of Patent: April 21, 2020
    Assignee: Capital One Services, LLC
    Inventors: Abdelkadar M'Hamed Benkreira, Joshua Edwards, Max Miracolo
  • Patent number: 10628638
    Abstract: Various embodiments are generally directed to techniques detect transaction card skimmers based on emitted and detected light patterns. Embodiments may also include techniques to detect transaction card skimmers based on detected ambient light levels.
    Type: Grant
    Filed: March 22, 2019
    Date of Patent: April 21, 2020
    Assignee: Capital One Services, LLC
    Inventors: Austin Grant Walters, Jeremy Edward Goodsitt, Fardin Abdi Taghi Abad
  • Patent number: 10628724
    Abstract: A separable or split transaction card may be a transaction card that is separable into multiple parts. The transaction card may be separable into multiple portions through an axis that extends through one or more pieces of personal identification information. The transaction card may transition between two or more configurations. A first configuration may be one in which the multiple card portions are not connected, all of the separated pieces of personal identification information are disabled, and the transaction card is disabled. A second configuration may be one in which the multiple card portions are connected, one or more of the separated pieces of personal identification information are enabled, and the transaction card is enabled and may be read when inserted into a card reading machine.
    Type: Grant
    Filed: November 13, 2019
    Date of Patent: April 21, 2020
    Assignee: Capital One Services, LLC
    Inventors: Lee Adcock, Christopher Camenares, Geeta Shyamala, Vincent Pham, Nahid Farhady Ghalaty
  • Patent number: 10621587
    Abstract: A fraud remediation tool includes a memory, a network interface, a fraud detection engine, and a clearance engine. The memory stores a plurality of fraud detection rules. The network interface receives a first transaction and a second transaction. The fraud detection engine determines, based on the plurality of fraud detection rules, that the transaction is fraudulent. In response to the determination that the transaction is fraudulent, the fraud detection engine stops the transaction, blocks use of the first card, and communicates a first message to the user indicating that the card is blocked. The clearance engine receives, from the user, a response to the message indicating that the transaction is not fraudulent. Based on the response, the clearance engine releases the block on the second card and the block on the first card.
    Type: Grant
    Filed: April 10, 2017
    Date of Patent: April 14, 2020
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Donald Francis Binns, Michelle Lynne Baker, Michael Thomas Timoney
  • Patent number: 10621660
    Abstract: The APPARATUSES, METHODS AND SYSTEMS FOR REMOTE DEPOSIT CAPTURE WITH ENHANCED IMAGE DETECTION (hereinafter “RDC-Detection”) provides a platform for remote deposit by submitting captured images of a check via a user device, wherein the RDC-Detection transforms captured check images and/or entered check deposit information inputs via RDC-Detection components into deposit confirmation outputs. For example, in one embodiment, a financial institution may receive a check image captured by a scanner, a camera, and/or the like, and process the check image to extract deposit information to process the deposit request.
    Type: Grant
    Filed: September 5, 2017
    Date of Patent: April 14, 2020
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Reynaldo Medina, Bharat Prasad
  • Patent number: 10621334
    Abstract: In a system including a terminal device where a plurality of apps are installed and can be executed and a management device capable of communicating with the terminal device; even if the terminal device does not have an advanced security function such as a secure boot, the validity of apps is determined in conjunction with the reliable management device. The management device stores specific values uniquely calculated respectively from a plurality of apps installed on the terminal device, as a plurality of installation-time specific values. The system causes the terminal device to calculate a specific value uniquely calculated from one app, as an execution-time specific value, and determines that the app is authentic if the calculated execution-time specific value matches one of the installation-time specific values stored in the management device.
    Type: Grant
    Filed: March 23, 2017
    Date of Patent: April 14, 2020
    Assignee: RENESAS ELECTRONICS CORPORATION
    Inventor: Seishiro Nagano
  • Patent number: 10616201
    Abstract: The invention provides one or more consortia of networks that identify and share information about users and/or user devices interacting with the consortia. User devices may be identified, at least in part, by tag-based computer information. Computers and other devices accessing the Web carry device tags with date and time information describing when they were issued by a security tag server. A server time stamp may be inserted into time based computer tags such as a cookies indicating when they were created. Such time stamp information can be encrypted and analyzed during future attempts to access a secure network such as a customer attempting to log into an online banking account. When the time stamp information from the tag is compared to other selected information about the user, device and/or account, including but not limited to last account log-in date/time or account creation date, the invention may be used to detect suspicious activity.
    Type: Grant
    Filed: March 6, 2018
    Date of Patent: April 7, 2020
    Assignee: The 41st Parameter, Inc.
    Inventor: Ori Eisen
  • Patent number: 10614429
    Abstract: In an example embodiment, there is disclosed herein an automated banking machine that includes an instrument acceptor operable to receive financial instruments. The machine is operable to cause user data obtained from a user during a user session with the machine to be sent to a transaction authorizing host computer. The machine is operable to generate an electronic deposit slip that includes a data representative of a financial account associated with the user data, and a value of value of a financial instrument received by the instrument acceptor during the user session. The electronic deposit slip to be sent to a server that is remotely located from the automated banking machine and data representative of the value of the financial instrument is sent to the authorizing host terminal to cause the financial account to be credited an amount corresponding to the value of the financial instrument.
    Type: Grant
    Filed: August 6, 2018
    Date of Patent: April 7, 2020
    Assignee: Diebold Nixdorf, Incorporated
    Inventors: Keith Carpenter, Martin J. Brown, Jonathan Soudry, James Meek, Todd Galloway, Robert W. Barnett, Mike P. Ryan, David A. Peters, Rafael Feijo
  • Patent number: 10614430
    Abstract: A system and method for transaction bitcoin is described. Bitcoin can be sent to an email address. No miner's fee is paid by a host computer system. Hot wallet functionality is provided that transfers values of some Bitcoin addresses to a vault for purposes of security. A private key of a Bitcoin address of the vault is split and distributed to keep the vault secure. Instant exchange allows for merchants and customers to lock in a local currency price. A vault has multiple email addresses to authorize a transfer of bitcoin out of the vault. User can opt to have private keys stored in locations that are under their control. A tip button rewards content creators for their efforts. A bitcoin exchange allows for users to set prices that they are willing to sell or buy bitcoin and execute such trades.
    Type: Grant
    Filed: March 17, 2015
    Date of Patent: April 7, 2020
    Assignee: Coinbase, Inc.
    Inventor: Brian D. Armstrong
  • Patent number: 10614334
    Abstract: Capturing information from an imprinted item comprises a computing device that receives an image of a back side of an imprinted item, the payment instrument comprising information imprinted thereon such that the imprinted information protrudes from a front side of the imprinted item and the imprinted information is indented into the back side of the imprinted item. The computing device extracts sets of characters from the image of the back side of the imprinted item based on the imprinted information indented into the back side of the imprinted item and depicted in the image of the back side of the imprinted item. The computing device applies a first character recognition application to process the sets of characters extracted from the image of the back side of the imprinted item and categorizes each of the sets of characters into one of a plurality of categories relating to the information.
    Type: Grant
    Filed: May 2, 2019
    Date of Patent: April 7, 2020
    Assignee: Google LLC
    Inventors: Henry Allan Rowley, Ashok Chhabedia Popat, Michael Edward Jahr, Zhifei Li
  • Patent number: 10606668
    Abstract: A method of determining information relating to the occupancy of a space that includes receiving first data relating to the occupancy of the space over a time period, receiving second data indicative of either times of decrementing events or times of incrementing events affecting the occupancy of the space during the time period, and either, for each decrementing event time, using the first data to obtain an estimated incrementing event time, or, for each incrementing event time, using the first data to obtain an estimated decrementing event time. The method has particular application in the determination of waiting times, for example in the context of queue monitoring.
    Type: Grant
    Filed: May 9, 2013
    Date of Patent: March 31, 2020
    Assignee: InfraRed Integrated Systems Limited
    Inventors: William Snell, Stuart Holliday
  • Patent number: 10607218
    Abstract: A transaction intermediary configured to receive a transaction request, enable the input of transaction information, receive a transaction package including the inputted transaction information, route the transaction package to a processing location, receive an indication that the transaction package has been processed, and generate an electronic voucher in response to the indication.
    Type: Grant
    Filed: May 9, 2012
    Date of Patent: March 31, 2020
    Assignee: LIVINGSOCIAL, INC.
    Inventor: Aaron Batalion
  • Patent number: 10600069
    Abstract: The present disclosure is directed to gift card exchange kiosks and associated methods of use. In one embodiment, for example, a consumer operated kiosk can receive a gift card identifier associated with a gift card via a user interface and/or a card reader, verify the gift card's activation status and/or face value, and display exchange options for a consumer. The exchange options can include exchanging the gift card for cash or a redeemable cash voucher. The kiosk can also store exchanged gift cards for later sale at the kiosk or at a remote location.
    Type: Grant
    Filed: May 6, 2015
    Date of Patent: March 24, 2020
    Assignee: Cardpool, Inc.
    Inventors: Elizabeth Jane Lindemulder, Sarah Christine Heffernan, Walter Paulsen
  • Patent number: 10592941
    Abstract: A system and a method are provided for generating a digital receipt for purchases made utilizing a digital wallet or with other payment procedures. The digital receipt is stored in the cloud in a digital receipts repository for later retrieval. The digital receipt can be standardized to facilitate data processing of the data contained in data fields of the digital receipt. The data fields are text/field searchable and actionable so that the receipts and the data therein can be viewed in any manner desired by the user of the digital wallet.
    Type: Grant
    Filed: February 13, 2018
    Date of Patent: March 17, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Pia Maenpaa, Joshua Kessler, Jaclyn Moore, John Dallesandro, Laurie Chiola, Erin Kieran
  • Patent number: 10592903
    Abstract: A method of processing a transaction between a customer and a merchant includes receiving from a mobile device of the customer or from another device of the customer an indication of consent to perform a cardless payment transaction with the merchant, receiving from the mobile device an indication that the customer is within a predetermined distance of the merchant, after receiving both the indication of consent and the indication that the customer is within the predetermined distance, sending to a computer system of the merchant an indication of the presence of the customer and personal identifying information for the customer, receiving data indicating a transaction between the customer and the merchant, and submitting the transaction to a financial service for authorization.
    Type: Grant
    Filed: January 17, 2017
    Date of Patent: March 17, 2020
    Assignee: SQUARE, INC.
    Inventors: William Henderson, Jack Dorsey, Brian Grassadonia, Mathew Wilson
  • Patent number: 10585560
    Abstract: In various implementations, a display of a display device is registered based on receiving a request from the display device. User input is received from a display management device indicating a display configuration setting for the display. User input is received indicating an assignment of a data visualization of analytics data to the registered display based on the display configuration setting. In response to the receiving of the user input indicating the assignment, data is sent that causes the data visualization to be presented on the registered display.
    Type: Grant
    Filed: October 31, 2016
    Date of Patent: March 10, 2020
    Assignee: SPLUNK INC.
    Inventors: Nicholas Filippi, Siegfried Puchbauer-Schnabel
  • Patent number: 10579978
    Abstract: A portable handheld device for wireless order entry and real time payment authorization may include a portable housing, a display carried by the housing, an order entry input device carried by the housing, a transaction card input device carried by the housing for reading user sensitive information from a transaction card, a wireless transceiver carried by the housing, and a processor carried by the housing and connected to the display, order entry input device, transaction card input device and wireless transceiver. The processor may be for wirelessly sending input order information, and encrypting and wirelessly sending the user sensitive information from the transaction card without storing and without displaying. The processor may also be for wirelessly receiving and displaying payment authorization information based upon real time authorization from a transaction card issuing entity.
    Type: Grant
    Filed: July 1, 2013
    Date of Patent: March 3, 2020
    Assignee: SECUREDPAY SOLUTIONS, INC.
    Inventors: John M. Johnson, Roy T. Nelson, Christopher D. Faircloth, Lance Larsen
  • Patent number: 10579972
    Abstract: In some embodiments, one or more processors receive a financial instrument via an interface. The financial instrument indicates attributes of a financial transaction. The processors determine, based on one or more of the attributes, whether the financial transaction involves a cross border exchange. If the financial transaction involves a cross border exchange, the processors flag the financial instrument accordingly, perform a currency conversion, and communicate an electronic image associated with the financial instrument to computing resources configured to complete the financial transaction electronically without having to transport a paper copy of the financial instrument between financial institutions.
    Type: Grant
    Filed: May 9, 2014
    Date of Patent: March 3, 2020
    Assignee: Bank of America Corporation
    Inventors: James Joseph Clementi, Clarence Edward Lee, II, Michael Greig Stoll, Verlon Safold Watson, III, Melanie Woodworth, Mary Jo Stuart, Ronald E. Meharg
  • Patent number: 10582083
    Abstract: The invention relates to systems and methods of securely transmitting an image stored in the memory of an identity document to a first terminal that is suitable for receiving the image. In various implementations, operations are performed by the identity document, including the identity document receiving an attribute transmitted by the first terminal; generating a marker from the attribute received from the terminal; including the marker in the image; and transmitting the image containing the marker, which may be referred to as the “modified” image, to the terminal.
    Type: Grant
    Filed: November 21, 2014
    Date of Patent: March 3, 2020
    Assignee: IDEMIA FRANCE
    Inventor: Alban Feraud
  • Patent number: 10579982
    Abstract: A processor-implemented method, system, and/or computer program product detects illicit activities in micro-commerce transactions. An historic transaction pattern of known legitimate past micro-commerce transactions by a cohort is identified. A current transaction pattern for a current set of multiple micro-commerce transactions is also identified. The current transaction pattern and the historic transaction pattern are compared. In response to determining that the current transaction pattern deviates from the historic transaction pattern beyond a predetermined level, a determination is made that the current set of multiple micro-commerce transactions are being used for money laundering.
    Type: Grant
    Filed: January 3, 2012
    Date of Patent: March 3, 2020
    Assignee: International Business Machines Corporation
    Inventors: Mark S. Ramsey, David A. Selby
  • Patent number: 10579875
    Abstract: A method for identifying and tracking objects includes: capturing one or more 3-D models of one or more objects in a scene using a three-dimensional (3-D) scanning system, the one or more 3-D models including color and geometry information of the one or more objects; and computing, by an analysis agent, one or more descriptors of the one or more 3-D models, each descriptor corresponding to a fixed-length feature vector; and retrieving metadata identifying the one or more objects based on the one or more descriptors.
    Type: Grant
    Filed: October 11, 2018
    Date of Patent: March 3, 2020
    Assignee: AQUIFI, INC.
    Inventors: Carlo Dal Mutto, Kinh Tieu, Tony Zuccarino, Jason Trachewsky, Abbas Rafii
  • Patent number: 10572864
    Abstract: Embodiments of the invention are directed to methods, systems, and computer program products pertaining to obtaining, providing, and using dynamic card verification values for portable consumer devices, such as credit cards and debit cards. An exemplary method comprises receiving, at a server, a request for a device verification value for a portable consumer device associated with a user; obtaining, at the server, a datum indicative of a device verification value for a portable consumer device; and sending, from the server, the datum to at least one of a phone number or network address of a personal communication device associated with the user.
    Type: Grant
    Filed: June 9, 2017
    Date of Patent: February 25, 2020
    Assignee: Visa International Service Association
    Inventor: Ayman Hammad
  • Patent number: 10572868
    Abstract: A computing system implements a network transaction service in which prepaid cards physically residing at merchant locations. Users of the network transaction service can launch a service application to indicate a transaction at the merchant location. A transaction data set is then received from a point-of-sale terminal at the merchant location—corresponding to use of the prepaid card—which enables the computing system to fund the transaction from a shared funding source of the network transaction service. Subsequently, the computing system can access a customer account of the user to reimburse the shard funding account for an amount of the transaction.
    Type: Grant
    Filed: October 3, 2018
    Date of Patent: February 25, 2020
    Assignee: Expensify, Inc.
    Inventor: David M. Barrett
  • Patent number: 10572298
    Abstract: A transactional memory system dynamically predicts the resource requirements of hardware transactions. A processor of the transactional memory system predicts resource requirements of a first hardware transaction to be executed based on a resource hint, a type of hardware transaction that is associated with a given hardware transaction, and a previous execution of a prior hardware transaction that is associated with the type of hardware transaction. The processor allocates resources for the given hardware transaction based on the predicted resource requirements. The processor initiates execution of the first hardware transaction using at least a portion of the allocated resources.
    Type: Grant
    Filed: November 6, 2017
    Date of Patent: February 25, 2020
    Assignee: International Business Machines Corporation
    Inventors: Fadi Y. Busaba, Dan F. Greiner, Michael K. Gschwind, Maged M. Michael, Valentina Salapura, Chung-Lung K. Shum