Banking Systems Patents (Class 235/379)
  • Patent number: 10994955
    Abstract: A tray unit assembly includes a housing, a separating/stacking unit, a tray unit and an elevating member. The separating/stacking unit includes a separating roller unit and a stacking roller unit provided in the housing. The tray unit is provided to be inserted into the housing and includes a first tray body fixed to the housing when the tray unit is inserted into the housing, and a second tray body connected to the first tray body to be slidable in a vertical direction and having a media stacking space formed therein. The elevating member is disposed to be movable up and down and configured to be in contact with a bottom surface of the second tray body to move the second tray body toward the stacking roller unit or the separating roller unit.
    Type: Grant
    Filed: March 18, 2019
    Date of Patent: May 4, 2021
    Assignee: HYOSUNG TNS INC.
    Inventors: Jin Young Hwang, Kyoung Soo Kim, Seung Soo Lee, Young Dae Seo, Hye Bin Oh
  • Patent number: 10997573
    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: January 16, 2020
    Date of Patent: May 4, 2021
    Assignee: Visa International Service Association
    Inventor: Ayman Hammad
  • Patent number: 10996838
    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: April 24, 2019
    Date of Patent: May 4, 2021
    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: 10997581
    Abstract: Disclosed herein are system, method, and computer program product embodiments for creating a personalized barcode for an account holder at an Automated Teller Machine (ATM). An embodiment operates by storing account holder unique data and a first rule for generating a personalized barcode unique to the account holder based on the account holder unique data. After receiving a request for completion of a transaction from the first account holder, placing the account holder unique data and the first rule in a pairing service. Thereafter, the ATM is configured to retrieve the account holder unique data and the first rule from the pairing service, generate the first personalized barcode based on the first rule and the account holder unique data, and present the first personalized barcode to the first account holder.
    Type: Grant
    Filed: May 19, 2020
    Date of Patent: May 4, 2021
    Assignee: Capital One Services, LLC
    Inventors: Jeremy J. Phillips, Ashay Sheth
  • Patent number: 10995544
    Abstract: A stacker assembly for manufacturing an expandable integral blind, formed by adhering a plurality of cells formed from strip material, has opposing walls forming a stacking chamber and a rotating mechanism coupled to the stacking chamber for engaging the expandable integral blind. The rotatable mechanism actuates in response to the compression force of the expandable integral blind. A plurality of conveyor belts are used to supply the strip material to the stacker assembly, as well as introduce the strip material into the stacking chamber.
    Type: Grant
    Filed: August 20, 2018
    Date of Patent: May 4, 2021
    Inventor: Lorin Zitting
  • Patent number: 10997582
    Abstract: A payment transaction method and device are provided. The electronic device includes a first communication module comprising first communication circuitry configured to transmit and receive first payment information, a second communication module comprising second communication circuitry configured to transmit second payment information, and a processor which is functionally connected to the first and second communication modules, wherein the processor is configured to receive a payment request signal, to select one of the first and second communication modules based on the received payment request signal, and to transmit payment information corresponding to the selected communication module to an external device.
    Type: Grant
    Filed: March 16, 2017
    Date of Patent: May 4, 2021
    Assignee: Samsung Electronics Co., Ltd.
    Inventor: Junwon Choi
  • Patent number: 10997584
    Abstract: An electronic device for making a payment is provided. The electronic device includes a display configured to receive a user command, a transceiver configured to communicate with an external device, and a processor configured to request a token associated with a financial service from a payment server when a user requests the financial service and to generate data for providing the financial service by using the token and service information when the token and the service information associated with the financial service is received from the payment server.
    Type: Grant
    Filed: December 30, 2019
    Date of Patent: May 4, 2021
    Assignee: Samsung Electronics Co., Ltd.
    Inventors: Boo Hyun Cho, Ki Bong Kim, Beom Soo Cho
  • Patent number: 10990817
    Abstract: A method of detecting fraud during identification by iris recognition, the method comprising the following steps: capturing an image of each eye of a person for identification (50), namely a first image (61) and a second image (71); extracting a first set of first characteristics from the first image (61); extracting a second set of second characteristics from the second image (71); evaluating a correlation coefficient between the first and second characteristics; and as a function of the value of the correlation coefficient, signaling an attempt at fraud or continuing with identification by eye recognition. An identification terminal arranged to perform the method.
    Type: Grant
    Filed: July 11, 2018
    Date of Patent: April 27, 2021
    Assignee: Idemia Identity & Security France
    Inventors: Hervé Jarosz, Emine Krichen, Jean-Noël Braun
  • Patent number: 10984617
    Abstract: The present disclosure provides a computing apparatus and a method for securing access to the computing device. The computing apparatus comprises a housing, a data storage device disposed in the housing, a cover movably coupled to the housing to secure the data storage device in the housing, and a controller coupled to the data storage device. The controller is configured to grant access to the data storage device upon detecting an authorized attempt of opening the cover and to deny access to the data storage device upon detecting an unauthorized attempt of opening the cover.
    Type: Grant
    Filed: November 22, 2019
    Date of Patent: April 20, 2021
    Assignee: LENOVO Enterprise Solutions (Singapore) PTE. LTD
    Inventors: Morgan Wu, Makoto Ono, Thou Vun Pang, Yueh-Ku Chung, Scott A. Piper, Hsiang Lung Yu
  • Patent number: 10977239
    Abstract: Embodiments of the present disclosure are directed to methods and systems for the timely processing of records exchanged between service provider systems and responsible entity systems by a records management and processing system. More specifically, one or more optimization functions can be applied to the records. Each optimization function can comprise a function defining maximization of resource utilization in processing of the plurality of records based on one or more constraints related to data of the records. A set of records from the plurality of records can be identified based on applying the defined optimization functions and data of the records related to the constraints of the optimization function and the identified records can be processed according to one or more workflows.
    Type: Grant
    Filed: February 26, 2018
    Date of Patent: April 13, 2021
    Assignee: Ensemble RCM, LLC
    Inventors: Pieter Schouten, Benjamin Blue Braunheim
  • Patent number: 10977889
    Abstract: Various embodiments are directed to systems and methods for remotely monitoring cash reserves within a plurality of cash handling devices, and for automatically initiating change orders to maintain optimal levels of cash reserves within those cash handling devices. Certain embodiments remotely monitor closing transaction data received from those cash handling devices. Based at least in part on portions of data reflected within the closing transaction data, retrieve historical usage data relating to a forecast period; generate a usage forecast for the forecast period, and based on the generated usage forecast and the closing transaction data, generate message data for transmission to external systems to facilitate the maintenance of optimal cash reserves within those cash handling devices.
    Type: Grant
    Filed: July 18, 2019
    Date of Patent: April 13, 2021
    Assignee: G4S Retail Solutions (USA) Inc.
    Inventors: Brian McCabe, Wilfredo Rego
  • Patent number: 10970693
    Abstract: Embodiments for providing Semi-Automatic ATM Configuration are generally described herein. In some embodiments, obtaining configuration connection details are obtained. The configuration connection details are used to connect to a configuration server and to configure a self-service terminal (SST).
    Type: Grant
    Filed: March 28, 2014
    Date of Patent: April 6, 2021
    Assignee: NCR Corporation
    Inventors: Stefano Cipollone, Heather McCracken
  • Patent number: 10970684
    Abstract: Deposited math based currency (“MBC”) is received at a financial institution. A processor of the financial institution receives a deposit request from a customer via a computing device. The request includes a customer private key associated with an amount of MBC to be deposited. The processor creates a first private and public key pair to receive the amount of MBC to be deposited. The processor initiates a transaction in the amount of MBC to be deposited to the first private and public key pair from the customer based on the customer private key. The processor updates a ledger to indicate that the amount of MBC to be deposited was received and is associated with an account of the customer. The ledger includes information relating to a plurality of MBC accounts associated with a plurality of customers. The processor stores the first private and public key pair in a pooled database.
    Type: Grant
    Filed: May 20, 2014
    Date of Patent: April 6, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Ashish B. Kurani
  • Patent number: 10972287
    Abstract: A method for tracking multiple classes of records in a single blockchain is disclosed, the method comprising: by the administrative node computer, receiving, from a first node computer, a request for a class identifier for a certain class, the request including an address identifier associated with the first node computer; generating the class identifier; creating an association between the class identifier and the address identifier; receiving a data element from the first node computer, the data element including the address identifier, the class identifier, and record update information; verifying that the class identifier is associated with the address identifier; verifying that the record update information is permitted according to the class identifier; and creating, a block for a blockchain, the block including the data element. Class identifiers can used for each record entry to distinguish between classes within the blockchain.
    Type: Grant
    Filed: November 2, 2017
    Date of Patent: April 6, 2021
    Assignee: Visa International Service Association
    Inventors: Ajith Thekadath, Suman Mukherjee
  • Patent number: 10970964
    Abstract: Systems and methods are disclosed for electronically transferring currency from a source user account to a target user account in relation to a game application. A payment service provider may receive a request to transfer an amount of currency from the source user account to the target user account to be used for the game application.
    Type: Grant
    Filed: March 18, 2019
    Date of Patent: April 6, 2021
    Assignee: PAYPAL, INC.
    Inventor: Lucy Ma Zhao
  • Patent number: 10970608
    Abstract: Implementations of the present disclosure include a financial services card including a card substrate, and multiple rows of braille-encoded characters formed on the card substrate, at least a portion of the braille-encoded characters encoding an account number that is associated with the financial services card being distributed between a first row and a second row of the multiple rows, and additional information associated with the financial services card being braille-encoded in a third row.
    Type: Grant
    Filed: July 21, 2020
    Date of Patent: April 6, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Marco Antonio Gamboa, Ronald Richard Watkins, Patrick Sturdivant, Martha Rodriguez Hathorn, Stephen Adam Cone, Rhealyn Nicole Yanta
  • Patent number: 10970707
    Abstract: Methods and systems of managing payment cards are disclosed. A financial institution computing system includes a token database storing a plurality of tokens and token information, a network interface circuit enabling the financial institution computing system to exchange information over a network; and a token management circuit. The token management circuit enables a graphical user interface on a customer device over the network that can be used to generate new token requests, re-provision token requests, and management requests. The management requests enable and disable tokens, such that transactions against a payment card account using an enabled token are completed, and transactions against the payment card account using a disabled token are denied.
    Type: Grant
    Filed: November 23, 2016
    Date of Patent: April 6, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Michelle B. Techel, Peter Ho, Timothy R. Edge, Dorothy M. Scocci, Brenda L. Yost, Kathy Barris Dideum, Cheryl Lynn Wong, Khyati Soparkar, Steven E. Puffer, Stephanie S. Hellman, Brian M. Pearce, James D. Crowell
  • Patent number: 10964175
    Abstract: An Automated Teller Machine has a housing having an aperture through which documents may pass between the interior and the exterior of the housing. At least one escrow area is defined in the housing. A document transport system extends within the housing for the transport of documents between the aperture and the escrow area.
    Type: Grant
    Filed: February 18, 2020
    Date of Patent: March 30, 2021
    Assignee: Diebold Nixdorf, Incorporated
    Inventors: Thomas A. Vankirk, William Daniel Beskitt
  • Patent number: 10965670
    Abstract: A biometric authentication system may include a centralized database including stored biometric signature information for authenticating a user of one or more external systems. The biometric authentication system may extract data attributes from a biometric signature of the user and compare them to the stored biometric signature information in the database. The biometric authentication system may identify user identifier information associated with a signature key stored of the stored biometric signature information that matches the data attributes to authenticate the user to access secure information.
    Type: Grant
    Filed: August 3, 2018
    Date of Patent: March 30, 2021
    Assignee: Truist Bank
    Inventor: Michael Anthony Dascola
  • Patent number: 10965469
    Abstract: Disclosed in some examples are methods, systems, and machine readable mediums for secure end-to-end digital communications involving mobile wallets. The result is direct, secure, in-band messaging using mobile wallets that may be used to send messages such as payments, requests for money, financial information, or messages to authorize a debit or credit.
    Type: Grant
    Filed: December 9, 2019
    Date of Patent: March 30, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Joon Maeng, Ramanathan Ramanathan, Thomas Hayes
  • Patent number: 10960684
    Abstract: Aspects described herein may provide detection of a feature of an authorization code image (ACI) incorporated onto a document, thereby allowing for validation of the document. According to some aspects, these and other benefits may be achieved by an instance of a variable protocol that may specify how to generate the ACI to have a particular feature as well as how to detect the particular feature of the ACI. A recipient of the document incorporating the ACI may detect the particular feature of the ACI. If the detected feature matches an expected feature, then the ACI and the document may be determined to be authentic.
    Type: Grant
    Filed: November 14, 2019
    Date of Patent: March 30, 2021
    Assignee: Capital One Services, LLC
    Inventors: David Wurmfeld, Steve Faletti
  • Patent number: 10964151
    Abstract: Described herein are automated banking machine cassette modules and cassettes. The cassette module may include but is not limited to a divert cassette positioned for easy access and a light pipe system for detecting when sheets are entering or leaving a cassette. The cassette may include but Is not limited to a cassette with an ink staining that does not reduce the capacity of the cassette, a torsion spring assembly coupled with a push plate in a cassette, a thumper and feed wheel assembly, and a method of assembling a thumper and feed wheel assembly that provides for proper timing of the feed wheels with the thumper wheels.
    Type: Grant
    Filed: June 27, 2018
    Date of Patent: March 30, 2021
    Assignee: DIEBOLD NIXDORF, INCORPORATED
    Inventors: David A. Peters, Sean T. Haney, John E. McCloskey
  • Patent number: 10956895
    Abstract: A payment transaction method and device are provided. The electronic device includes a first communication module comprising first communication circuitry configured to transmit and receive first payment information, a second communication module comprising second communication circuitry configured to transmit second payment information, and a processor which is functionally connected to the first and second communication modules, wherein the processor is configured to receive a payment request signal, to select one of the first and second communication modules based on the received payment request signal, and to transmit payment information corresponding to the selected communication module to an external device.
    Type: Grant
    Filed: March 16, 2017
    Date of Patent: March 23, 2021
    Assignee: Samsung Electronics Co., Ltd.
    Inventor: Junwon Choi
  • Patent number: 10956901
    Abstract: Customer data is securely downloaded to a browser toolbar by performing a check to determine whether a request for customer data includes a request for personal identifiable information requiring encryption by a public encryption key generated by the browser toolbar. The customer is authenticated based on a set of a user credential and an account specific access credential. The account specific access credential is associated with the account of the customer. Requested personal identifiable information is encrypted using the public encryption key generated by the browser toolbar. Encrypted personal identifiable information is transmitted to the browser toolbar.
    Type: Grant
    Filed: August 8, 2018
    Date of Patent: March 23, 2021
    Assignee: Liberty Peak Ventures, LLC
    Inventors: Blayn W. Beenau, Amy A. Glavasich, William J. Gray, Leigh R. Malnati, Cathy A. McGarity, Danielle R. Nulle, Sevia N. Phillips
  • Patent number: 10956892
    Abstract: A method and apparatus are disclosed for performing a transaction at a hand held device. The method comprises the steps of accessing a virtualized operating system and Automated Teller Machine (ATM) application at a hand held device and performing a customer transaction at the hand held device using the virtualized operating system and ATM application.
    Type: Grant
    Filed: August 8, 2013
    Date of Patent: March 23, 2021
    Assignee: NCR Corporation
    Inventors: Heather McCracken, Joseph Gallagher, Norman G. Taylor
  • Patent number: 10956250
    Abstract: Systems and methods are provided to implement a database system configured to return the state of a data item upon failure of a condition check on the data item during a conditional write. In embodiments, a write request may specify an indicator to return the item state upon condition failure. The request may specify multiple database operations to execute as a transaction, where failure of a single condition check will cause the entire transaction to fail and an item state causing the failure to be returned. The returned state of the data item may include a selection of the item's attributes specified by the request. Advantageously, these features allow a client to easily obtain the precise cause of a write's failure. Moreover, because the item state is returned only when a conditional write fails and only when requested, the response size of most write requests remains unchanged.
    Type: Grant
    Filed: March 25, 2019
    Date of Patent: March 23, 2021
    Assignee: Amazon Technologies, Inc.
    Inventors: Akshat Vig, Rashmi Krishnaiah Setty, Joon Ahn, Somasundaram Perianayagam, Fahad Ahmed, Kapil Singh, Stefano Stefani, Vaibhav Jain
  • Patent number: 10956882
    Abstract: A kiosk device for a motor vehicle includes an imaging unit, a voice input unit, a vehicle detecting unit configured to detect entry of a motor vehicle, a financial automation transaction unit including a touch interface unit, a control unit and a driving unit. When the entry of the motor vehicle is detected by the vehicle detecting unit, the control unit activates the imaging unit and the voice input unit and analyze motion information of a vehicle occupant imaged by the imaging unit or voice information of the vehicle occupant inputted through the voice input unit. The driving unit drives the financial automation transaction unit based on an analysis result of the motion information or the voice information so that the financial automation transaction unit is operated to face a direction of a vehicle occupant location.
    Type: Grant
    Filed: December 13, 2017
    Date of Patent: March 23, 2021
    Assignee: HYOSUNG TNS INC.
    Inventors: Myoung Hwan Ko, Boick Chang, Sung Chul Lee
  • Patent number: 10958443
    Abstract: A computer-implemented method includes: determining assets held by a remitter, the assets to be spent in a remittance transaction between the remitter and one or more payees, in which each asset corresponds to a respective asset identifier, a respective asset amount, and a respective asset commitment value; determining a remitter pseudo public key and a remitter pseudo private key; determining a cover party pseudo public key, in which the cover party pseudo public key is obtained based on asset commitment values of assets held by the cover party; and generating a linkable ring signature for the remittance transaction.
    Type: Grant
    Filed: July 31, 2020
    Date of Patent: March 23, 2021
    Assignee: Advanced New Technologies Co., Ltd.
    Inventor: Wenbing Zhang
  • Patent number: 10958442
    Abstract: Disclosed in some examples are methods, systems, and machine readable mediums for secure end-to-end digital communications involving mobile wallets. The result is direct, secure, in-band messaging using mobile wallets that may be used to send messages such as payments, requests for money, financial information, or messages to authorize a debit or credit.
    Type: Grant
    Filed: June 10, 2019
    Date of Patent: March 23, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Joon Maeng, Ramanathan Ramanathan, Thomas Hayes
  • Patent number: 10951579
    Abstract: Systems and methods for resolving double address faults during the commissioning of a connected system are provided. Some methods can include identifying a subset of a plurality of devices in a region with a double address fault, displaying a first list of the subset, receiving user input selecting one of the subset, identifying a current location of a user, generating a map of the region, wherein the map identifies a respective location of each of the subset and includes visual signs to guide the user from the current location of the user to the respective location of the one of the subset, displaying the map, generating a second list of valid addresses assignable to the one of the subset to address the double address fault, and displaying the second list.
    Type: Grant
    Filed: November 5, 2019
    Date of Patent: March 16, 2021
    Assignee: Honeywell International Inc.
    Inventors: RajeshBabu Nalukurthy, Jayesh Agwan, Srivatsa Haridas
  • Patent number: 10949890
    Abstract: A server system is provided for analyzing user interaction in an environment. The server system comprises a memory storing a set of instructions and a processor configured to execute the instructions to perform operations including determine a user has interacted with an item positioned in the environment based on a communication signal received from a hub physically located in the environment indicating an item tag associated with the item is linked with a user tag associated with the user. The server system may identify, based on one or more communication signals received from the hub, at least one metric associated with the user's interaction with the item and compare the at least one metric with a set of rules associated with the type of metric. The server system may provide an indication, based on the comparison, to a display device.
    Type: Grant
    Filed: February 20, 2018
    Date of Patent: March 16, 2021
    Assignee: Capital One Services, LLC
    Inventors: Matthew Stern, Jason Deperro, Dan Makoski, Makiko Taniguchi
  • Patent number: 10949849
    Abstract: A transmitter (116) for transmitting a secure access signal to a system (117) for providing secure access to a controlled item (111) is disclosed. The access is dependent on information contained in the secure access signal. The transmitter (116) comprises a biometric sensor (121) for receiving a biometric signal and a processor (1005) for matching the biometric signal against members of a database (105) of biometric signatures. The transmitter (116) comprises enabling means (e.g., 127) for enabling an inductive circuit, based on the matching of the biometric signal, to transmit the secure access signal conveying the information to the system (117) upon the inductive circuit being placed within range of a radio frequency field emitted by the system (117).
    Type: Grant
    Filed: December 17, 2019
    Date of Patent: March 16, 2021
    Assignee: CPC Patent Technologies Pty Ltd.
    Inventor: Christopher John Burke
  • Patent number: 10949920
    Abstract: A method for offering at least one credit product by at least one credit issuer to a consumer at a point-of-sale between a merchant and the consumer. The method includes the steps of: providing a credit issuer data set including a plurality of data fields to a central database; initiating a transaction between the consumer and the merchant at the point-of-sale; offering, to the consumer at the point-of-sale, the at least one credit product; and presenting, to the consumer at the point-of-sale, at least one data field in the credit issuer data set. The at least one data field presented to the consumer is populated with data directed to the credit product, the credit issuer, or any combination thereof. An apparatus and system are also disclosed.
    Type: Grant
    Filed: August 24, 2018
    Date of Patent: March 16, 2021
    Assignee: PayPal, Inc.
    Inventor: Thomas H. Keithley
  • Patent number: 10943242
    Abstract: The present invention is a system which enables a marketing team to initiate and sustain directed and interactive communication with thousands or millions of existing or prospective customers. In the preferred embodiment, a marketer accesses a database and selects a group of qualified prospects, using lifestyle dimensions and or demographic information, from a stable group of prospective or existing customers conducting financial transactions online. Once a prospect list is selected, the marketer designs a series of questions, typically using branch and skip logic, and the system deploys the question sequence to the target list in the form of a response-redeemable savings coupon. When prospects are next performing their financial transactions online, they are presented with a lifestyle-relevant coupon which is immediately redeemable by responding to the question/communication.
    Type: Grant
    Filed: February 6, 2019
    Date of Patent: March 9, 2021
    Assignee: Micronotes, Inc.
    Inventors: Devon Kinkead, Venkat Rangamani
  • Patent number: 10943441
    Abstract: A system is configured for detecting errors in an ATM. The system includes a processor that receives a withdrawal request from a user to receive cash from a cash dispenser of the ATM. Currency denominations and a number of bills for each currency denomination needed to fulfill the withdrawal request is determined. The expected cash to be dispensed from the ATM is a sum of multiplications of each currency denomination with its number of bills. The system sends signal commands to cassettes of the ATM to dispense bills to fulfill the withdrawal request. A camera is positioned in a pathway of the bills being dispensed from the cassettes to the cash dispenser. The camera captures images of bills being dispensed from the cassettes and sends them to the processor. The processor generates an alert if the actual dispensed cash from the cassettes does not match the expected cash.
    Type: Grant
    Filed: June 5, 2020
    Date of Patent: March 9, 2021
    Assignee: Bank of America Corporation
    Inventors: Verlon Safold Watson, III, Shawn Cart Gunsolley, Douglas S. Wilson
  • Patent number: 10939237
    Abstract: A user can submit a request to a server associated with an ATM. The request can be submitted from a device (or portable device) of the user. The server can evaluate the request and designate which ATM or ATMs are best suited to process the request. This determination can be based on availability of resources on the ATM. Subsequently, the server can transmit a communication to the device of the user and the designated ATM. The communication can cause both the device and the ATM to emit a sound or display a visual cue to guide the user to approach the designated ATM. The device and the ATM can emit various patterns of sound to better guide the user to approach the designated ATM.
    Type: Grant
    Filed: January 8, 2019
    Date of Patent: March 2, 2021
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Janak Dadhaniya, Steve Faletti, David Wurmfeld, Robert Smith, Lisa Whitsitt
  • Patent number: 10937008
    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: January 3, 2020
    Date of Patent: March 2, 2021
    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: 10937014
    Abstract: Systems and methods are disclosed for electronic transaction messaging conversion. One method comprises receiving an authorization request message from a point of sale (POS) device, the authorization request message comprising transaction data associated with a transaction. Upon validating the authorization request message, a provisional authorization response message may be generated and sent to the POS device. Subsequently, a capture message may be received from the POS device, requesting clearing and settlement of the transaction. The capture message may be validated and translated to a composite message that is single-message system (SMS)-compatible. The composite message may then be sent downstream for further processing.
    Type: Grant
    Filed: May 31, 2019
    Date of Patent: March 2, 2021
    Assignee: Worldpay, LLC
    Inventor: Ganeshwaran Jayachandran
  • Patent number: 10937026
    Abstract: A method for obscuring a value of a sensitive data element includes: (a) receiving the sensitive data element, the sensitive data element being received over a data communications network (110) at a hardware computing device (142) of a trusted tokenization service provider (140); (b) generating a token corresponding to the received sensitive data element; (c) storing the token and sensitive data element in a memory device (146) such that they are correlated with one another; (d) providing the generated token to a first party (130) that uses the token in place of the sensitive data element in a request for authorization to complete a transaction, the request being sent from the first party (130); (e) intercepting the request for authorization including the token; (f) using the token contained in the intercepted request to look-up and retrieve the correlated sensitive data element in the memory device (160); (g) replacing the token contained in the request with the sensitive data element retrieved from the memo
    Type: Grant
    Filed: February 4, 2019
    Date of Patent: March 2, 2021
    Assignee: CardinalCommerce Corporation
    Inventors: Michael A. Keresman, III, Chandra Balasubramanian, Gary Bender, Mark Carlson, Ed Katzin, Francis M. Sherwin
  • Patent number: 10937018
    Abstract: A system and associated method and service for providing a platform that enables members to transfer, receive, or otherwise exchange cash in various international denominations and commodities, such as precious metals (e.g., gold, silver, etc.), in a mobile highly secured telecommunications environment. The system is capable of delivering cash instantly between two or more users by allowing the exchange of secure transactions between system and cash dispensing machines (ATMs). Users may pay, receive, exchange, deposit, transfer, pay bills, exchange currency, retrieve cash, deposit cash and create accounts based on the mobile phone number or a system generated code.
    Type: Grant
    Filed: September 1, 2020
    Date of Patent: March 2, 2021
    Inventor: Rabih S. Ballout
  • Patent number: 10936857
    Abstract: A system receives an image including a live facial image of the user and an identity document including a photograph of the user. Moreover, the system calculates a facial match score by comparing facial features in the live facial image to facial features in the photograph. The system recognizes data objects and characters in the identity document using optical character recognition (OCR) and computer vision, and then identifies, based on the recognized data objects and characters, a type of the identity document. Further, the system calculates a document validity score by comparing the recognized characters and data objects to character strings and data objects known to be present in the identified type of the identity document. Additionally, the system determines and outputs the user's identity verification status based on comparing the facial match score to a facial match threshold and comparing the document validity score to a document validity threshold.
    Type: Grant
    Filed: May 2, 2019
    Date of Patent: March 2, 2021
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Joshua Edwards, Michael Mossoba
  • Patent number: 10929831
    Abstract: Sequential selections are presented by receiving an input on an active portion of a display of the computing device. While the input is received, a plurality of selections are sequentially displayed on the display. An indication is received that the input on the active portion of the display of the computing device has changed. In response to receiving the indication that the input has changed, the computing device stops presenting the plurality of selections and determines which selection of the plurality of selections was presented on the display when the input changed. The determined selection is then displayed.
    Type: Grant
    Filed: November 26, 2019
    Date of Patent: February 23, 2021
    Assignee: eBay Inc.
    Inventors: Ron Gura, Matanya Bar, Erez Dickman
  • Patent number: 10929846
    Abstract: A method for improved security at automated teller machines (ATMs) comprising: capturing, by a first camera at an ATM, one or more images of a bank card; reading card information from the bank card by processing the one or more images of the bank card, wherein the card information comprises an account number and an expiration date; receiving, from an input device at the ATM, a personal identification number (PIN) entered by a user; sending a request to a server device to verify the card information and the PIN; and in response receiving a response from the server device, allowing the user to transact with the ATM.
    Type: Grant
    Filed: March 22, 2019
    Date of Patent: February 23, 2021
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Abdelkader M'Hamed Benkreira, Michael Mossoba, Rajko Ilincic
  • Patent number: 10929843
    Abstract: Systems, methods, and computer-readable media for efficiently storing credential service provider data in a security domain of a secure element of an electronic device are provided. In one example embodiment, an electronic device may include a secure element that, inter alia, receives credential service provider data from a secure element vendor subsystem, and that encrypts a key of the secure element with the received credential service provider data. The electronic device may also include a communications component that transmits the encrypted key to a credential service provider. Additional embodiments are also provided.
    Type: Grant
    Filed: September 2, 2014
    Date of Patent: February 23, 2021
    Assignee: Apple Inc.
    Inventor: Ahmer A. Khan
  • Patent number: 10929837
    Abstract: A user having an account with a payment provider receives an unregistered payment card that is associated with the payment provider, and that includes a magnetic strip encoded with a number unique to the card and a machine readable code such as a QR/barcode embossed thereon. The user may then open an application on the user's mobile device to capture the number associated with the card by, for example, scanning the QR/barcode, capturing an image of the number, speaking the number into the device, or manually entering the number into the user's device. The user may also authenticate with the payment provider by entering login credentials. The user may then confirm a request to link the number of the card with the user's payment provider account, which activates and links the card to the user account so that the user can immediately use the card for purchases.
    Type: Grant
    Filed: April 23, 2019
    Date of Patent: February 23, 2021
    Assignee: PAYPAL, INC.
    Inventor: German Scipioni
  • Patent number: 10929836
    Abstract: A computer system can implement a network transaction service by receiving a transaction request from a computing device of a requesting user that has a customer account linked to the network transaction service. Based on the transaction request, the computer system can determine a merchant account of the registered merchant that is linked to the network transaction service. The computer system can then execute a remote transaction operation to transfer funds from a shared account of the network transaction service to the merchant account to fulfill the transaction request, where the shared account is different from the customer account of the requesting user.
    Type: Grant
    Filed: March 27, 2019
    Date of Patent: February 23, 2021
    Assignee: Expensify, Inc.
    Inventor: David M. Barrett
  • Patent number: 10922694
    Abstract: An automatic teller machine (ATM) can operate to send an electronic push request, in various instances, using only an email address to process the push request from a user. The ATM may be configured with customized display software, for example, that allows an end user to operate a touchscreen (or other input mechanism) to enter email addresses for one or more electronic transfer destinations. In various instances, the ATM may also communicate with a back-end server to perform queries on an entered email address and to map the email address to a pre-existing account or a holding account. Thus, a user can effectuate electronic transfers without needing to know, for example, a routing number associated with a destination for the transfer, representing an innovative improvement over previous electronic transfer technology.
    Type: Grant
    Filed: October 6, 2017
    Date of Patent: February 16, 2021
    Assignee: PayPal, Inc.
    Inventors: Rene Mauricio Pelegero, Girish Balasubramanian, Rohan Mahadevan
  • Patent number: 10922680
    Abstract: A method of processing card number data and device including: determining, according to an expiration time corresponding to a card number, a table set corresponding to the card number, and including card number information corresponding to the card number into at least one card number storage table of the table set, wherein the table set comprises a plurality of card number storage tables, each table set corresponds to an expiration time, the expiration time corresponding to all card numbers in the table set is the same as the expiration time corresponding to the table set, and the card number information includes the card number and card number associated data; and after reaching an expiration time corresponding to a table set, performing a cleaning operation on all card number information in the table set. The provided method and device can increase cleaning and maintenance efficiency and reduce maintenance costs.
    Type: Grant
    Filed: December 20, 2016
    Date of Patent: February 16, 2021
    Assignee: CHINA UNIONPAY CO., LTD.
    Inventors: Bin Liu, Jianzhao Wu, Yisheng Fu, Guizhi Shi
  • Patent number: 10922677
    Abstract: A display instruction associated with a graphic code is received from a terminal device and at a client computing device. A biometric feature identifier associated with a biometric feature that is verified by a server is obtained by the client computing device. A code string that includes the biometric feature identifier is generated by the client computing device. The graphic code that includes the code string is displayed at the client computing device, to permit completion of a service by the terminal device using the graphic code.
    Type: Grant
    Filed: April 26, 2019
    Date of Patent: February 16, 2021
    Assignee: Advanced New Technologies Co., Ltd.
    Inventor: Yitao Song
  • Patent number: 10922760
    Abstract: A method comprising receiving a category of metadata from an accounting software system, receiving a plurality of metadata labels associated with the category of metadata from the accounting software, receiving a ROC, receiving an association of one of the plurality of the metadata labels with the ROC, and/or transmitting the ROC and the association of the one of the plurality of the metadata labels with the ROC to the accounting software system. The category of metadata may comprise a card member name, an image of a receipt associated with the ROC, a description, and the like.
    Type: Grant
    Filed: March 1, 2018
    Date of Patent: February 16, 2021
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY
    Inventors: Deepak Arora, Carline Darcelin-Riley, David Ibrahim