Banking Systems Patents (Class 235/379)
  • Patent number: 10262252
    Abstract: A wireless communication device is provided that has a dielectric member attached to a metal surface of an article, an RFIC element including first and second terminal electrodes, a first radiation electrode disposed on the dielectric member in parallel with and oppositely to the metal surface of the article at a predetermined distance and connected to the first terminal electrode of the RFIC element, and a second radiation electrode disposed on the dielectric member in parallel with and oppositely to the metal surface of the article at the predetermined distance and connected to the second terminal electrode of the RFIC element independently of the first radiation electrode. The first and second radiation electrodes extend in respective directions intersecting with each other, with the first radiation electrode having a smaller width and a shorter length in an extending direction than the second radiation electrode.
    Type: Grant
    Filed: January 12, 2018
    Date of Patent: April 16, 2019
    Assignee: MURATA MANUFACTURING CO., LTD.
    Inventor: Noboru Kato
  • Patent number: 10262304
    Abstract: Images of scanned documents are processed to identify an amount for each document. At least one document has two possible amounts with each amount having a different confidence level associated therewith. A provided total amount is balanced to a determined total amount by resolving a permutation of the available amounts from the images that matches the provided total amount.
    Type: Grant
    Filed: March 29, 2017
    Date of Patent: April 16, 2019
    Assignee: NCR Corporation
    Inventor: Darryl Scott O'Neill
  • Patent number: 10261745
    Abstract: An NFC-enabled digital 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 digital apparatus and the external NFC terminal, an NFC communication channel is established between the NFC enabled-digital apparatus and the external NFC terminal for data communication therebetween.
    Type: Grant
    Filed: October 4, 2017
    Date of Patent: April 16, 2019
    Assignee: AQ CORPORATION
    Inventors: Sang Hoon Lee, Jin Hwa Kim
  • Patent number: 10262316
    Abstract: A bank customer's electronic debit or credit card (“e-card”) automatically reports to the customer's CE device the receipt of transaction interrogations the e-card receives from a point of sale (POS) apparatus. The e-card may simply report to the CE device and respond to the interrogation, or it may await a signal from the CE device prior to responding to the interrogation.
    Type: Grant
    Filed: September 23, 2014
    Date of Patent: April 16, 2019
    Assignee: SONY CORPORATION
    Inventors: Brant Candelore, Steven Martin Richman, Frederick J. Zustak
  • Patent number: 10262147
    Abstract: A network outage and redundancy module which provides improved security, platform independence and continuity in information between financial hardware and enterprise applications.
    Type: Grant
    Filed: December 22, 2011
    Date of Patent: April 16, 2019
    Assignee: CASH FLOW MANAGEMENT, INC.
    Inventors: Jianing Chen, Nathan Moore, Jim Ransco, II, John Dillon
  • Patent number: 10262177
    Abstract: [Object] To enhance accuracy at the time of setting with consideration of a cell size of a code when an exposure time is automatically set. [Means to solve the problems] An upper limit of an exposure time of an imaging part as a restriction condition for reading a code attached to a workpiece is calculated based on a moving speed of the workpiece, which is inputted by an input part, and a cell size, which is calculated by a cell size calculation part. An exposure time of the imaging part is set within the restriction condition by analyzing a plurality of images, which includes a code and is obtained by taking images multiple times by changing the exposure time of the imaging part.
    Type: Grant
    Filed: December 21, 2017
    Date of Patent: April 16, 2019
    Assignee: Keyence Corporation
    Inventors: Hidezumi Nagata, Taichi Tajika, Hiroomi Ohori, Taiga Nomi
  • Patent number: 10262308
    Abstract: Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Challenge questions may be presented from the non-merchant to the consumer after receiving the payment information, thereby allowing a judicious determination of when to ask such challenge questions and allowing complex and probative questions. The time limit for such challenge questions may advantageously be unconstrained, while still preserving security. Also, a risk analysis may be started prior to the consumer submitting payment information, thus allowing an efficient and complex risk analysis. Information about an access device used by the consumer may be obtained at the non-merchant from the access device with code sent to the access device from the merchant, and the device information may be used in the risk analysis.
    Type: Grant
    Filed: January 25, 2012
    Date of Patent: April 16, 2019
    Assignee: VISA U.S.A. INC.
    Inventors: Mark Carlson, Surendra Keshan, Patrick Faith
  • Patent number: 10255589
    Abstract: Access controls for transferring funds from a customer to a designated recipient using a transaction machine and a one-time account and/or an authentication process that does not involve the use of a transaction card are disclosed. An example method (and system) can include storing identification data associated with a one-time account or transfer for the designated recipient of the one-time account; receiving authentication data from the transaction machine; determining that the user corresponds to the designated recipient using the received authentication data and the stored identification data; and executing the selected transaction after the determination.
    Type: Grant
    Filed: October 23, 2015
    Date of Patent: April 9, 2019
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Vincent Petruzzi, Andrew G. Foote, David Hatch
  • Patent number: 10255596
    Abstract: A card holder carries out an initial top-up of a balance of a pre-paid payment card. The prepaid payment card is configured for use in an infrastructure in accordance with a payment specification requiring different behavior for normal transactions in the infrastructure versus that required for topping-up of the balance. Contemporaneously with the initial top-up, the card holder registers risk mitigation information in association with the pre-paid payment card. Subsequent to the initial top-up, an indicator is written to the pre-paid payment card during a transaction with the pre-paid payment card outside the infrastructure. The indicator identifies the pre-paid payment card as having the risk mitigation information associated therewith. During subsequent presentation of the pre-paid payment card to the infrastructure, the pre-paid payment card is treated as a token backed up by the risk mitigation information, based on presence of the indicator on the pre-paid payment card.
    Type: Grant
    Filed: February 2, 2015
    Date of Patent: April 9, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Michael J. Cowen
  • Patent number: 10255642
    Abstract: A display-card is disclosed for time management purpose, including a display; a clock defining a current date and time; a memory; an internal power supply; and a communication device. The memory includes a user identifier, setup information and time information. The time information includes at least a current time counter and a status information defining an active or an inactive state, the active state enabling the update with the clock of the current time counter and the inactive state disabling the update of the current time counter. The display-card further includes a receiver/transmitter to receive, via the communication device, a command to initiate the change of the status information from active to inactive state, or inactive to active state, and an actuator to initiate the display of at least the current time counter.
    Type: Grant
    Filed: December 10, 2015
    Date of Patent: April 9, 2019
    Assignee: Nagravision S.A.
    Inventors: Christian Conus, Pascal Conus
  • Patent number: 10249012
    Abstract: Methods, systems, and computer program products for the coordination of payment of medical goods and/or services of patients in developing countries by relatives of those individuals living abroad, such as in the diaspora of particular cultures or nationalities.
    Type: Grant
    Filed: May 16, 2014
    Date of Patent: April 2, 2019
    Inventor: George Oteng-Attakora
  • Patent number: 10248954
    Abstract: One embodiment of the present invention provides a system that facilitates identity verification based on various features of a card. During operation, a server receives a request for identity verification, where the request corresponds to an account and includes an image of a verifiable card. The server extracts a card feature from the verifiable card image for use as a verifiable card feature. In response to determining that the verifiable card feature matches a corresponding card feature of a registered card of the account, the server determines successful identity verification.
    Type: Grant
    Filed: June 15, 2015
    Date of Patent: April 2, 2019
    Assignee: ALIBABA GROUP HOLDING LIMITED
    Inventors: Weian Jin, Jie Zhang
  • Patent number: 10248955
    Abstract: A system capable of charging up electronic money cards using a credit card is provided. A PIN is authenticated between a card terminal and the credit card. The card terminal transmits to a credit company server an authentication result, amount information indicating an amount with which to charge up, and a credit card number of the credit card. After billing, the credit company server transmits the amount information and the credit card number to an electronic money server. The electronic money server identifies an electronic money card based on the credit card number. The electronic money server generates amount change information for adding the amount with which to charge up to “VALUE”, and transmits the amount change information to the card terminal. The electronic money card updates the amount of “VALUE” stored therein to an amount specified by the amount change information.
    Type: Grant
    Filed: July 19, 2017
    Date of Patent: April 2, 2019
    Assignee: Sony Corporation
    Inventors: Mikihisa Suzuki, Tsutomu Okude
  • Patent number: 10248950
    Abstract: Embodiments allow loading and reloading contactless payment devices using only a contactless terminal interface, while providing user authentication. The contactless terminal interface could be at a merchant POS location, kiosk, or embedded or attached to a personal computing device with contactless read/write capability such as a personal computer or mobile phone or Internet device.
    Type: Grant
    Filed: August 24, 2016
    Date of Patent: April 2, 2019
    Assignee: Mastercard International Incorporated
    Inventors: Arthur D. Kranzley, John R. Wankmueller, Duncan Garett
  • Patent number: 10248946
    Abstract: It is presented a security server arranged to set up communication between a merchant device and a customer payment application. The security server comprises: a receiver arranged to receive a first message comprising a customer identifier, an application identifier and a security token; a determiner arranged to determine whether the merchant device is authorized; a transmitter arranged to send a second message to the merchant device, the second message indicating that the merchant device is authorized to effect payment; and a channel establisher arranged to set up a secure channel between the merchant device and the customer payment application in a secure element being adapted to be comprised in a mobile communication terminal, wherein all communication between the merchant device and the customer payment application is controlled by the security server. Corresponding methods, merchant device, computer programs and computer program products are also presented.
    Type: Grant
    Filed: June 18, 2013
    Date of Patent: April 2, 2019
    Assignee: TELEFONAKTIEBOLAGET LM ERICSSON (PUBL)
    Inventors: Mattias Eld, Petter Arvidsson, Goran Selander
  • Patent number: 10249001
    Abstract: A particular method includes creating a financial planning goal for a financial planning client based at least in part on a financial planning objective. A financial planning recommendation is associated with the financial planning goal, and data identifying the financial planning goal and the financial planning recommendation is stored in a data store. The method also includes monitoring activity of the financial planning client and at least one other financial planning client to detect a financial planning trend. In response to the detected trend, a financial planning product is selected for potential incorporation into subsequent recommendation(s).
    Type: Grant
    Filed: December 16, 2013
    Date of Patent: April 2, 2019
    Assignee: AMERIPRISE, FINANCIAL, INC.
    Inventors: William J. Moran, Bryan Charlesworth, Stan Jacobson, James R. Geppert, Marcy Keckler, Bryan Doherty, Nicolle Reker
  • Patent number: 10241665
    Abstract: The method according to the invention deals with controlling of graphical elements of a display having a plurality of pixels with one or more processors, the method including defining by said one or more processors a graphical main shape on the display representing a total volume of a root node, defining by said one or more processors within the graphical main shape a number of graphical node shapes on the display, the number of node shapes being at least one and each node shape representing a volume of a parent node, wherein the volumes of all parent nodes sum up to the total volume, controlling by said one or more processors the pixels of the graphical main shape to visually present the graphical main shape on the display, redefining the graphical node shapes in response to receiving an input signal from an input device indicating a selection of a parent node, indicating a manipulating of a volume of a selected node shape or indicating an opening of a particular parent node.
    Type: Grant
    Filed: October 20, 2015
    Date of Patent: March 26, 2019
    Assignee: TRUE WEALTH AG
    Inventor: Felix Niederer
  • Patent number: 10242297
    Abstract: A card reader may include a main body frame having a card passage, and a bezel which having a card insertion port and attached to a front end side portion of the main body frame. In a case that a width direction of the card is referred to as a first direction and a portion of the main body frame which is covered by the bezel is referred to as a frame front end part, the bezel includes width direction cover parts respectively covering both sides in the first direction of the frame front end part, both ends in the first direction of the frame front end part are opened, and the frame front end part is structured so that side faces in the first direction of the card passage are structured by the width direction cover parts of the bezel which serve as guide faces for a card.
    Type: Grant
    Filed: April 26, 2017
    Date of Patent: March 26, 2019
    Assignee: NIDEC SANKYO CORPORATION
    Inventor: Hiroyuki Aiyoshi
  • Patent number: 10242361
    Abstract: A method of choosing and authorizing a transaction with a payment device used by a purchaser under the authority of an owner is described. An analytics engine receives an identifier for a good or service from the purchaser and uses the identifier to identify providers of the good or service and providing a set of provider recommendations for the good or service to the owner. An issuer server receives from the owner approval for one of the set of provider recommendations and determining purchase parameters for that provider recommendation and determines whether the purchase parameters for the transaction match the purchase parameters for the provider recommendation; whereby the transaction is not authorized if the purchase parameters do not match and will not be rejected by the payment control system if the parameters do match.
    Type: Grant
    Filed: September 23, 2016
    Date of Patent: March 26, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Michael Clay Atkins
  • Patent number: 10242363
    Abstract: A computer-based method for authenticating a suspect consumer as an authorized cardholder during a payment card transaction is provided. The method includes registering the authorized cardholder within a portable computer device by receiving a reference sample of the authorized cardholder. The portable computer device includes a processor, a memory, and a camera. The method also includes storing, in the memory, the reference sample of the authorized cardholder and associated payment card information. The method further includes using the camera to capture a transaction sample of the suspect consumer during the payment card transaction using the camera. The method also includes comparing, by the processor, the transaction sample to the reference sample stored in the memory. The method further includes authenticating the suspect consumer as the authorized cardholder based at least in part on the comparison.
    Type: Grant
    Filed: November 14, 2017
    Date of Patent: March 26, 2019
    Assignee: Mastercard International Incorporated
    Inventors: Jeremy Michael Pastore, Michael Lester Zhao
  • Patent number: 10242409
    Abstract: A method of accelerating execution of a transactions includes storing financial ledgers in a relational database, prepopulating a multidimensional data cube using the relational database, executing the transactions using the data cube by querying the data cube for aggregated balances to generate result values, generating accounting journal entries that update each account in the ledgers affected by the transactions using the result values from the data cube, posting the accounting journal entries to the financial ledgers in the relational database, repopulating the data cube with the changes resulting from the posted journal entries, and updating the aggregated balances of the data cube.
    Type: Grant
    Filed: April 11, 2014
    Date of Patent: March 26, 2019
    Assignee: ORACLE INTERNATIONAL CORPORATION
    Inventors: Abhijit Dhakephalkar, David Haimes, Arunesh C. Banerjee, Zeesha Currimbhoy, Robert Zwiebach, Rondy Ng
  • Patent number: 10235663
    Abstract: A method and device of requesting and receiving payment in a group chat environment are disclosed. The method includes: displaying a conversation interface of a group chat session for a pre-established conversation group, the pre-established conversation group including a user of the user device and a plurality of other users participating in the pre-established conversation group; providing, in the conversation interface of the group chat session, a control for requesting payment from the pre-established conversation group; detecting an input from the user invoking the control for requesting payment from the pre-established conversation group; and in response to detecting the input from the user, posting a group payment request as a chat message to the group chat session.
    Type: Grant
    Filed: August 8, 2014
    Date of Patent: March 19, 2019
    Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED
    Inventors: Wa Ye, Zhenyu Xu, Jing Zang
  • Patent number: 10235583
    Abstract: Disclosed are a method and apparatus for storing and/or digitizing documents that preserves the confidentiality of the documents. The technology includes a process, referred to herein as “shredding”, that extracts portions of a digitized document, such as a scanned document or an image file, to create “shreds.” A shred can be, for example, a field of a form, a portion of a photo, etc. In some embodiments where the source document includes confidential information, each individual shred does not include the confidential information and, with information of only one shred, a person cannot obtain the confidential information. As a result, while the source document needs to be stored in a secure fashion to prevent disclosure of the confidential information, the shreds can be stored in a non-secure fashion without risking disclosure of the confidential information.
    Type: Grant
    Filed: February 23, 2016
    Date of Patent: March 19, 2019
    Assignee: CAPTRICITY, INC.
    Inventors: Kuang Chen, Hui Peng Hu, Yoriyasu Yano, Nicholas Andre Jalbert
  • Patent number: 10235705
    Abstract: Methods, apparatus, and products are disclosed for enhancing a shopping experience that include: determining, by a self-checkout terminal, that a shopper invoked a help event; selecting, by the self-checkout terminal in dependence upon the help event, a shopper assistant to assist the shopper; and providing, by the self-checkout terminal to the shopper, distinguishing information identifying the shopper assistant.
    Type: Grant
    Filed: February 20, 2018
    Date of Patent: March 19, 2019
    Assignee: Toshiba Global Commerce Solutions Holdings Corporation
    Inventor: Jeffrey J. Smith
  • Patent number: 10235671
    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: July 18, 2016
    Date of Patent: March 19, 2019
    Assignee: CardinalCommerce Corporation
    Inventors: Michael A. Keresman, III, Francis M. Sherwin, Chandra Balasubramanian, Gary Bender, Ed Katzin, Mark Carlson
  • Patent number: 10237421
    Abstract: A printer is provided. The printer has a printer body enclosing an interior, a screen, a camera, and a processor communicatively coupled to the camera. The screen overlies an exterior of at least a portion of the printer body. The camera is disposed within the interior and is configured to capture an image hereof. The processor is configured, by an analytical diagnostic software program, to display the captured image on the screen, thereby simulating a see-through view into the interior. Methods are also provided for identifying a source of a problem in the printer.
    Type: Grant
    Filed: December 22, 2016
    Date of Patent: March 19, 2019
    Assignee: DATAMAX-O'NEIL CORPORATION
    Inventors: Scott Houle, Thomas Celinder
  • Patent number: 10223555
    Abstract: A system and method for facilitating wireless transactions using a smart card, the system comprising a smart card configured to be coupled to a smart card carrier, the smart card comprising: one or more processors; a biometric sensor configured to capture a biometric image of a user requesting a new transaction involving the smart card; a memory for storing biometric data of an authorized user of the smart card; and a carrier interface configured to be coupled to a card interface of a smart card carrier, the smart card carrier comprising a housing having an opening configured to accept the smart card and a wireless transceiver configured to engage in a wireless communication with a wireless transaction terminal when the smart card is coupled to the smart card carrier.
    Type: Grant
    Filed: January 4, 2018
    Date of Patent: March 5, 2019
    Assignee: TACTILIS PTE. LIMITED
    Inventors: Michael Gardiner, Adriano Canzi
  • Patent number: 10223760
    Abstract: A computer-implemented method for interactive visualization of a risk assessment for an entity on a graphical user interface of a computer system includes receiving, by the computer system, unstructured risk data associated with an entity, parsing, by the computer system, the unstructured risk data to produce risk information elements during a time period, combining, by the computer system, the risk information elements that comprise a single event, categorizing, by the computer system, each event in a category, generating, by a computer processor, a risk assessment for the entity from the categorized events for each time period, and displaying, on the graphical user interface, the risk assessments for each time period on a risk timeline that includes a timeline and a numerical risk scale.
    Type: Grant
    Filed: September 22, 2017
    Date of Patent: March 5, 2019
    Assignee: ENDERA SYSTEMS, LLC
    Inventors: Raj Ananthanpillai, Aaron Kilinski
  • Patent number: 10223754
    Abstract: A computer-implemented method for setting and tracking financial goals includes retrieving account information associated with a financial account of a user. The method also includes providing to the user via a user interface, prospective financial goals. The method further includes receiving from the user via the user interface, a selection of one of the financial goals. Further yet, the method includes monitoring the user's account information to track the user's progress towards the selected financial goal. In addition, the method includes providing to the user via the user interface, based on the monitoring of the user's account information, no more than three suggested actions to improve the user's progress towards the selected financial goal.
    Type: Grant
    Filed: June 9, 2015
    Date of Patent: March 5, 2019
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Gilberto Lopez, Leslie Rae Witt, Jeff D. Street, Nancy S. Middleton, Evan Siegel, Brittany Harris, Nonna A. Pastore, Ben Soccorsy, Todd Lawrence Denbo
  • Patent number: 10223548
    Abstract: A personally identifiable information (PII) scrubbing system. The PII scrubbing system surgically scrubs PII form a log based on a scrubber configuration corresponding to the log. The scrubber configuration includes context information about locations and types of PII in the log and rules specifying how to locate and protect the PII. Scrubber configurations are quickly and easily created or modified as scrubbing requirements change or new scenarios are encountered. The flexibility provided by the scrubber configurations allows only the PII to be scrubbed, even from unstructured data, without having to include surrounding data. Many consumers can use the scrubbed data without needed to expose the PII because less non-personal data is obscured. Surgical scrubbing also retains the usefulness of the underlying PII even while protecting the PII. Consumers can correlate the protected PII to locate specific information without having to expose additional PII.
    Type: Grant
    Filed: February 27, 2017
    Date of Patent: March 5, 2019
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Michael Bilodeau, Gustavo Carmo
  • Patent number: 10223678
    Abstract: In one example embodiment, an end device includes a touch screen configured to: display a plurality of icons that are respectively associated with a plurality of asset transaction entities, and receive a touch input with respect to at least two icons among the plurality of icons; a processor configured to translate the touch input into an asset transaction request that initiates execution of an asset transaction between at least two asset transaction entities among the plurality of asset transaction entities; and a transmitter configured to transmit the asset transaction request to a service provider.
    Type: Grant
    Filed: July 30, 2013
    Date of Patent: March 5, 2019
    Assignee: KT CORPORATION
    Inventor: Jong-han Park
  • Patent number: 10223679
    Abstract: Aspects of the disclosure relate to deploying, configuring, and utilizing cash handling devices to provide dynamic and adaptable operating functions. A cash handling device having at least one processor, a memory, and a communication interface may store a device registration module, a containerized operating module, a non-engagement services module, and a secure communications module. The device registration module may include instructions that cause the cash handling device to register with a support server and a plurality of financial institution servers. The containerized operating module may include instructions that cause the cash handling device to selectively execute a first operating application or a second operating application. The non-engagement services module may include instructions that cause the cash handling device to generate and present one or more non-engagement user interfaces.
    Type: Grant
    Filed: June 22, 2017
    Date of Patent: March 5, 2019
    Assignee: Bank of America Corporation
    Inventors: Jisoo Lee, Yair Frankel, Saul Florez, Richard E. Barron, Rafman Azeez
  • Patent number: 10223690
    Abstract: Payment instrument data is received in connection with a transaction, the data including an alternative primary account number (PAN) and an account identifier. A permanent PAN of an account is identified that is based on the account identifier. An alternative PAN associated with the permanent PAN is derived to determine whether the received alternative PAN matches the derived alternative PAN associated with the permanent PAN.
    Type: Grant
    Filed: November 27, 2013
    Date of Patent: March 5, 2019
    Assignee: CA, Inc.
    Inventors: Geoffrey R. Hird, Douglas N. Hoover
  • Patent number: 10223687
    Abstract: In linking mobile devices to facilitate a mobile commerce transaction, a primary mobile device creates an invitation to link to a mobile commerce account of the primary mobile device with a mobile commerce payment system and sends the invitation to a secondary mobile device. The secondary mobile device receives the invitation from the primary mobile device and sends an agreement to link to the mobile commerce account to the primary mobile device. The primary mobile device receives the agreement from the secondary mobile device and sends credentials for linking to the mobile commerce account to the secondary mobile device. The secondary mobile device receives the credentials from the primary mobile device and acquires information for enabling the link to the mobile commerce account using the credentials. The secondary mobile device links to the mobile commerce account using the information.
    Type: Grant
    Filed: March 23, 2012
    Date of Patent: March 5, 2019
    Assignee: International Business Machines Corporation
    Inventors: Angela R. Jones, Ruthie D. Lyle
  • Patent number: 10223715
    Abstract: An apparatus for collecting payments and managing information, which allows for a payment to be made when the payee is not present and makes a record of the same, and a method is provided. The apparatus comprises a payer interface, a system for receiving payments, a secure lock box for storing payments, and a system for retaining and retrieving information. The payer identifies the payment to be made, enters the type of payment and the amount and submits the payment, which is scanned. The information entered or scanned is stored in a database. The apparatus securely stores the payment and issues a receipt with payment information and images of the payment made. The payee may access the database records and obtain the payments at a later time. The apparatus allows low-income payers, who may not have access to bank accounts or credit cards, to submit cash payments when the payee is unavailable.
    Type: Grant
    Filed: May 27, 2011
    Date of Patent: March 5, 2019
    Inventor: Debi Gean Harris
  • Patent number: 10225248
    Abstract: The methods and systems are designed to utilize an integrated combination of just in time, just in place, and just on device actions connected to an mage recognition process to reduce or remove the risk of a User utilizing fake or stolen credentials in order to get verified.
    Type: Grant
    Filed: June 11, 2015
    Date of Patent: March 5, 2019
    Assignee: OPTiMUM iD LLC
    Inventors: Hemanshu Nigram, Michael Lang, James Drolshagen
  • Patent number: 10217103
    Abstract: A financial transaction is facilitated without unlocking a mobile device, where the lock screen wallpaper of a mobile device is dynamically set to an image having a scanning code (e.g., a QR code, a barcode, etc.) for use at a business location that the user is currently located.
    Type: Grant
    Filed: May 16, 2013
    Date of Patent: February 26, 2019
    Assignee: AVANT-GARDE IP LLC
    Inventor: Ramraj Soundararajan
  • Patent number: 10217359
    Abstract: A parking management system includes a parking facility management controller configured to allocate parking spaces at a parking facility as at least one of customer reserved spaces, handicap spaces, electric vehicle station spaces, premium spaces or unreserved spaces, the controller further including a communications unit configured to transmit the allocation of parking spaces to at least one video unit located at the parking facility. The video unit located at the parking facility, includes a video camera and video frame processing logic to process a video stream from the video camera while monitoring a parking space allocated by the controller, identify an event occurring at the allocated parking space, and encode a low bandwidth message characterizing the event. The at least one video unit includes a communications unit configured to transmit the low bandwidth message over low bandwidth communication links to the management controller.
    Type: Grant
    Filed: October 20, 2016
    Date of Patent: February 26, 2019
    Assignee: Echelon Corporation
    Inventors: Shalender Singh, Sohrab Modi
  • Patent number: 10216492
    Abstract: Customizing menus for a consumer electronics device, including: preparing menu definitions for the menus to be customized on the consumer electronics device; generating menu configuration information using the prepared menu definitions; and transmitting the generated menu configuration information to the consumer electronics device. Keywords include customization of menus and consumer electronics device.
    Type: Grant
    Filed: May 17, 2012
    Date of Patent: February 26, 2019
    Assignee: SONY INTERACTIVE ENTERTAINMENT LLC
    Inventors: Charles McCoy, Leo Mark Pedlow, Jr., Ling Jun Wong, True Xiong
  • Patent number: 10217101
    Abstract: In linking mobile devices to facilitate a mobile commerce transaction, a primary mobile device creates an invitation to link to a mobile commerce account of the primary mobile device with a mobile commerce payment system and sends the invitation to a secondary mobile device. The secondary mobile device receives the invitation from the primary mobile device and sends an agreement to link to the mobile commerce account to the primary mobile device. The primary mobile device receives the agreement from the secondary mobile device and sends credentials for linking to the mobile commerce account to the secondary mobile device. The secondary mobile device receives the credentials from the primary mobile device and acquires information for enabling the link to the mobile commerce account using the credentials. The secondary mobile device links to the mobile commerce account using the information.
    Type: Grant
    Filed: February 28, 2013
    Date of Patent: February 26, 2019
    Assignee: International Business Machines Corporation
    Inventors: Angela R Jones, Ruthie D Lyle
  • Patent number: 10210351
    Abstract: Disclosed are techniques for automating records related to devices coupled to a network, such as servers, clients and memory banks. The fingerprint-based configuration typing and classification described herein may identify a fingerprint for a first device located on a network, the first device having a plurality of hardware components and the fingerprint generated based on a combination of at least two hardware components of the first device. The fingerprint is assigned to the first device. If the device does not have a first identifier assigned to it that identifies the plurality of hardware components, the fingerprint is compared to a plurality of stored fingerprints, with at least some of the stored fingerprints having a respective identifier. If the fingerprint matches one of the plurality of stored fingerprints and that stored fingerprint has an identifier associated therewith, the identifier associated with the stored fingerprint is assigned to the first device as the first identifier.
    Type: Grant
    Filed: July 21, 2014
    Date of Patent: February 19, 2019
    Assignee: SERVICENOW, INC.
    Inventors: Josiah Sullivan, Kelly Vincent
  • Patent number: 10210518
    Abstract: A system for evaluating risk in an electronic banking transaction by estimating an aggregated risk value from a set of risk factors that are either dependent or independent of each other, comprising: user input means for enabling an end user to provide authentication information related to a desired electronic banking transaction; financial institution authentication means for authenticating that an end user is authorized to conduct the desired electronic transaction; risk computation means for imposing authentication requirements upon the end user in adaptation to a risk value of the desired banking electronic banking transaction; transaction session means for tracking an amount of time that the desired electronic banking transaction is taking; and financial institution transaction means for storing data related to the desired electronic banking transaction.
    Type: Grant
    Filed: April 13, 2016
    Date of Patent: February 19, 2019
    Inventor: Abdullah Abdulaziz I. Alnajem
  • Patent number: 10210522
    Abstract: Techniques for detecting counterfeit checks include using sensors to determine correspondence between a portion of sensed check information and related information; analyzing behavior related to accounts to a check deposit transaction; and controlling check depositing through user interface controls or communication. These techniques can be employed individually or in combination.
    Type: Grant
    Filed: September 18, 2017
    Date of Patent: February 19, 2019
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Reynaldo Medina, III, Nandhini Sridaran, Mario Gutierrez, Robert G. Wood, Adam Newman, William Barfield
  • Patent number: 10210485
    Abstract: Systems, computer program products, and methods are described herein for resource manager entity device security and maintenance. The present invention is configured to identify an issue with a resource and notify all other resources across the entity and customers of the entity that the resource is experiencing an issue; determine that an account is involved in a counterfeit activity and notify all other resources across the entity to deny further activity associated with the account; determine that the first resource is experiencing an issue and send fixes to the first resource and all other resources located within a predetermined distance from the first resource.
    Type: Grant
    Filed: June 17, 2016
    Date of Patent: February 19, 2019
    Assignee: Bank of America Corporation
    Inventor: Manu Jacob Kurian
  • Patent number: 10204465
    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: June 30, 2014
    Date of Patent: February 12, 2019
    Assignee: eBay Inc.
    Inventors: Dane Glasgow, Sergio Pinzon Gonzales, Jr., Ilya Brown
  • Patent number: 10201838
    Abstract: An example cleaning card for cleaning a check-reading machine can include at least two opposing surfaces. The opposing surfaces can include a cleaning feature configured to clean at least one component of the check-reading machine when the cleaning card is fed through the check-reading machine. An ink can be located on at least one of the opposing surfaces. The ink can define a set of Magnetic Ink Character Recognition (MICR) characters capable of identifying the cleaning card. The position of the set of MICR characters can coincide with a routing field of the cleaning card as defined in accordance with the standard of the American National Standards Institute (ANSI) X9 family of standards. Other systems, apparatuses, and methods are also described.
    Type: Grant
    Filed: September 11, 2015
    Date of Patent: February 12, 2019
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Steve Hatzirallis
  • Patent number: 10193702
    Abstract: Provided is a method by a user equipment (UE) for providing a sponsoring service in a wireless communication system, the method comprising: determining at least one UE to be provided with the sponsoring service, accessing to a server providing the sponsoring service, and registering to the server providing the sponsoring service; and transmitting a request of the sponsoring service comprising identification information of the at least one UE, to the server providing the sponsoring service.
    Type: Grant
    Filed: April 9, 2018
    Date of Patent: January 29, 2019
    Assignee: Samsung Electronics Co., Ltd
    Inventors: Young-Kyo Baek, Sang-Soo Jeong, Song-Yean Cho
  • Patent number: 10192204
    Abstract: Various embodiments concern facilitating a money transfer by creating a first profile for a first user and a second profile for a second user. The first user can select the second profile from a plurality of profiles. The first user can enter a value designation for the transfer of money from the first user to the second user. A computing system can then stage the transfer of money based on previously saved profile information for the first user and the second user. The profile information can be used to set a plurality of terms of the money transfer without requiring either of the first user or the second user to reenter this information or otherwise affirmatively set the plurality of terms of the money transfer.
    Type: Grant
    Filed: August 1, 2013
    Date of Patent: January 29, 2019
    Assignee: MoneyGram International, Inc.
    Inventors: Thomas Christophersen, Terry Wallace, Connie Jacobson, Renee Rusnak
  • Patent number: RE47247
    Abstract: This invention relates to a novel system which includes a new device (the DEVICE) and a new business process (the PROCESS) that combines multiple cards (for both financial and non-financial transactions) into one card in a secured manner.
    Type: Grant
    Filed: July 29, 2015
    Date of Patent: February 19, 2019
    Inventor: Yinzi Cai
  • Patent number: RE47248
    Abstract: This invention relates to a novel system which includes a new device (the DEVICE) and a new business process (the PROCESS) that combines multiple cards (for both financial and non-financial transactions) into one card in a secured manner.
    Type: Grant
    Filed: July 29, 2015
    Date of Patent: February 19, 2019
    Inventor: Yinzi Cai