Credit Or Identification Card Systems Patents (Class 235/380)
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Patent number: 11790366Abstract: A non-transitory computer-readable medium stores instructions causing a processor to generate a menu displaying representations of a plurality of cards, the cards having associated card data; receive, from a user input device, a selection corresponding to a selected one of the cards; update the menu to display a representation of the selection; and authorize transmission of the card data associated with the selected card to complete a transaction.Type: GrantFiled: October 11, 2022Date of Patent: October 17, 2023Assignee: Capital One Services, LLCInventor: Gregory Gannon
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Patent number: 11790059Abstract: An electronic book distribution system includes electronic devices that reset their passcodes after specified authentication failures. The passcodes of an individual electronic device is reset to a value that is generated using a predefined function of a randomly generated support code. The support code is displayed to the user, and the user is instructed to contact a support service in order to obtain the new passcode. The support service independently authenticates the user, calculates the new device passcode using the same predefined function used by the electronic device, and provides the new passcode to the user.Type: GrantFiled: June 28, 2021Date of Patent: October 17, 2023Assignee: Amazon Technologies, Inc.Inventors: Edward James Gayles, Lawrence Arnold Lynch-Freshner, Sailesh Rachabathuni, David Berbessou
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Patent number: 11790332Abstract: A funds-transfer system enables a buyer to transfer funds to a seller via a mobile telephone. The system receives a payment request transmitted from a mobile telephone of the buyer. The payment request is for a transfer of funds from a financial account held by the buyer to a financial account held by the seller, and the payment request is transmitted from a payment application stored in the buyer's mobile telephone. The payment request identifies a purchase amount to be transferred, and information identifying the financial account held by the buyer. The system charges the purchase amount to the financial account held by the buyer and transfers the purchase amount to a financial account held by the seller.Type: GrantFiled: January 17, 2019Date of Patent: October 17, 2023Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Jessica U. Jones, Lee J. Peart, Blayn W. Beenau, Peter D. Saunders
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Patent number: 11783023Abstract: An example print supply includes a non-transitory computer-readable medium. The non-transitory computer-readable medium includes data. The data includes an indication of a schema for the data. The data also includes an indication of an identifier. The data includes an indication of a digital signature. The digital signature is usable to authenticate a type of the data, the schema, and the identifier. The print supply also includes a communication interface. The communication interface is to output the data from the non-transitory computer-readable medium.Type: GrantFiled: May 18, 2021Date of Patent: October 10, 2023Assignee: Hewlett-Packard Development Company, L.P.Inventors: Shell S. Simpson, Jefferson P. Ward, Stephen D. Panshin, David B. Novak
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Patent number: 11783320Abstract: An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction token and biometric data. Customers can be enrolled in the system by receiving customer information that includes at least a biometric datum, associating the received customer information with a transaction instrument issued to the customers and storing the received customer information and the issued transaction instrument information in a database for future reference.Type: GrantFiled: September 30, 2021Date of Patent: October 10, 2023Assignee: Biometric Payment Solutions, LLCInventor: Joan Lee Tibor
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Patent number: 11776357Abstract: A casino gaming system includes gaming machines which are configured to accept and read tickets. The ticket may comprise cash-value tickets or non-cash value/promotional tickets. The tickets may also include secondary feature triggering indicia. The player may present the cash-value ticket having a feature triggering indicia or a non-cash value/promotional ticket to a gaming machine, such as by inserting it into a media reader such as a bill acceptor. Associated monetary value or non-monetary credits may be credited to the machine. In addition, if the ticket includes a feature triggering indicia, when such an indicia is detected, the gaming machine preferably triggers or initiates the feature.Type: GrantFiled: September 7, 2021Date of Patent: October 3, 2023Assignee: Everi Payments Inc.Inventors: Timothy Richards, Scott Howard Betts, Raymond Dumbeck
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Patent number: 11776342Abstract: A depth sensing device, situated above a threshold to a room, collects asynchronous, non-personally-identifiable data regarding a count of people entering and exiting across the threshold. Phase shift of modulated infrared light reflected from a light source to an object is measured and converted into depth data indicating the depth of the pixels therein. The depth data is used to classify detected objects as human, and to track their movement bi-directionally through the threshold. A running count of humans entering or exiting the room is streamed to a remote server, which aggregates data collected from a number of depth sensing devices. The server then makes that data available at various levels of visualization corresponding to different levels of a hierarchy of nested virtual spaces, such as a multi-entrance room, or a building. Entities that access this data may see a real-time, accurate count of humans currently occupying the virtual space, as well as historical data.Type: GrantFiled: December 15, 2021Date of Patent: October 3, 2023Assignee: Density Inc.Inventors: Andrew Farah, Casey Kelso, Brian Weinreich, Benjamin Redfield, Garrett Bastable, Matthew Merati, Siu Kwong Mok
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Patent number: 11776000Abstract: An automated teller machine (“ATM”) includes a network interface, a display device, and an input/output device. The ATM further includes a processing circuit including a processor and a memory, the memory structured to store instructions that are executable by the processor. The instructions cause the processing circuit to receive authentication information from the customer and authenticate the customer using the authentication information, retrieve a real-time rewards balance of a rewards account associated with the customer, generate a banner for the customer based on the real-time rewards balance, and display the banner to the customer. The banner is selectable and activates a rewards functionality of the ATM to cause the ATM to display a screen including at least one of the real-time rewards balance or an option for the customer to redeem the rewards balance held by the customer when the banner is selected.Type: GrantFiled: October 1, 2018Date of Patent: October 3, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Rebecca H. McCloskey, Alicia Y. Moore, Denny E. Puckett, Jerome Rhodes
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Patent number: 11769083Abstract: Systems and methods for facilitating interaction between a ticket holder and a self-service function related to a ticket are described herein. A mobile device can detect proximity to a self-service function. The mobile device can activate an application related to the self-service function. The mobile device can communicate with a beacon to retrieve an identifier of the self-service function. A first connection session can be established between the mobile device and a cloud broker service while a second connection session can be established between the self-service function and the cloud broker service. The cloud broker service can generate an end to end session using the first and second connection sessions by mapping an identifier of the mobile device with the identifier of the self-service function. Communications can be sent from the self-service function to the application of the mobile device through the cloud broker service including directional information.Type: GrantFiled: July 29, 2022Date of Patent: September 26, 2023Inventors: Andrew E. Malinofsky, Reinout Vander Meulen, Bart René Yvonne Houlleberghs, Rico Andreas Barandun
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Patent number: 11769507Abstract: A device may receive a command associated with identifying a merchant for a virtual card swap procedure wherein the virtual card swap procedure is to replace a credit card of a user with a virtual card corresponding to the credit card. The device may identify the merchant for the virtual card swap procedure based on the command. The device may obtain the virtual card for the user. The device may determine a virtual card swap procedure template for the merchant. The device may perform the virtual card swap procedure based on the virtual card swap procedure template.Type: GrantFiled: September 26, 2022Date of Patent: September 26, 2023Assignee: Capital One Services, LLCInventors: Adam Vukich, Abdelkadar M'Hamed Benkreira, Vu Nguyen, Joshua Edwards, Jonatan Yucra Rodriguez, David Gabriele
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Patent number: 11758591Abstract: A communication method and a communications apparatus, the method including receiving, by a second network device, from a third network device, first identification information of a first radio access network area to which a first cell corresponding to the third network device belongs, and sending, by the second network device, second identification information of the first cell and the first identification information of the first radio access network area to a first network device.Type: GrantFiled: September 29, 2020Date of Patent: September 12, 2023Assignee: Huawei Technologies Co., Ltd.Inventors: Tingting Geng, Hongping Zhang, Qinghai Zeng, Le Yan
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Patent number: 11756387Abstract: Various card devices and methods involving card devices are described. Other embodiments are also described.Type: GrantFiled: November 1, 2021Date of Patent: September 12, 2023Assignee: CFPH, LLCInventors: Mark A. Miller, Dean P. Alderucci, Thomas D. Bradshaw
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Patent number: 11756098Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for providing intelligent analysis of resource transfer data in order to identify potential customers to which a merchant has not sold, where the new group of potential customers has previously purchased goods and services similar to the goods and services offered by the merchant. The system may provide recommendations to the merchant for adjusting marketing and distribution strategies and may also provide an intelligent predictive analysis of increased sales volume and efficiency.Type: GrantFiled: January 28, 2021Date of Patent: September 12, 2023Assignee: BANK OF AMERICA CORPORATIONInventors: Joseph Benjamin Castinado, Raveendra Ambulooru, Lee Ann Proud, Ann Ta
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Patent number: 11749129Abstract: The present invention provides a virtual reality vehicle and/or equipment training system and platform within contextually relevant simulated environments. The system and platform will simulate accurate vehicle and/or equipment dynamics of various vehicles through vehicle modules. The simulated vehicles and/or equipment will be placed within contextually relevant simulated physical environments, and will be able to communicate with other vehicle modules and users of the platform. The system and platform allows for multiple simulated vehicles and/or equipment to exist and interact in the same simulated physical environment. The system allows for rapid development of trainers for different vehicles, different equipment, different physical environments, and different scenarios.Type: GrantFiled: January 31, 2018Date of Patent: September 5, 2023Assignee: ADGA GROUP CONSULTANTS INC.Inventors: Don MacQuarrie, Danny Warren, Geoff McLeod
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Patent number: 11741456Abstract: A first device may be used to complete a transaction by receiving information for completing a transaction between a first entity associated with the first device and a second entity associated with a second device, causing a payment to be made to the second entity by communicating with a third device via a communications network, receiving an encrypted payment confirmation from the third device, and providing the encrypted payment confirmation to the second device, thereby completing the transaction.Type: GrantFiled: April 20, 2022Date of Patent: August 29, 2023Inventor: Abdolreza Behjat
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Patent number: 11740096Abstract: In some embodiments, an electronic device displays suggested routes based on the characteristics of respective vehicles. In some embodiments, an electronic device receives data for respective vehicles from a source external to the electronic device. In some embodiments, an electronic device anonymizes a vehicle identifier and determines customized suggested routes using the anonymized vehicle identifier.Type: GrantFiled: September 22, 2020Date of Patent: August 29, 2023Assignee: Apple Inc.Inventors: Yun Jae Kim, Brian J. Andrich
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Patent number: 11743280Abstract: A method identifying clusters with anomaly detection. The method includes aggregating a set of events, of a user, to generate a user vector in response to identifying an event of the set of events. The method further includes aggregating a set of user vectors to a periodic vector for a time period. The method further includes processing a set of periodic vectors to generate a periodic distance. The method further includes selecting the time period, corresponding to the periodic vector, using the periodic distance and a threshold. The method further includes processing the set of user vectors to generate clusters of user vectors, wherein the set of user vectors includes the event during the time period. The method further includes processing the clusters of user vectors to identify a selected cluster and performing an action to a set of user accounts corresponding to the selected cluster.Type: GrantFiled: July 29, 2022Date of Patent: August 29, 2023Assignee: INTUIT INC.Inventors: Liran Dreval, Yiftach Elgat
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Patent number: 11741463Abstract: The system may be configured to perform operations including receiving a transaction history comprising transaction information associated with a plurality of transactions for an entity; analyzing transaction information associated with a transaction of the plurality of transactions; and detecting a leakage event associated with the transaction. Detecting the leakage event may comprise determining a payment method for the transaction in response to the analyzing the transaction information; and comparing the payment method to a desired payment method, wherein the leakage event is detected in response to the payment method differing from the desired payment method.Type: GrantFiled: November 7, 2018Date of Patent: August 29, 2023Assignee: American Express Travel Related Services Company, Inc.Inventors: Ravi Bajpai, Shashank Chauhan, Srikanth Reddy Dorla, Tushar Gupta, Vishal Jain, Khushboo Kumar, Harmeet Sachdeva, Tarun Sehgal, Anshul Sharma, Sonal Surana, Dipti Verma
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Patent number: 11734672Abstract: A system and method is provided for generating a sensory indication on a transaction card, whereby a user is rewarded with a visual, audial, haptic, or olfactory experience. The method comprises executing a purchase transaction on the card, the transaction relating to an event, charging a power source on the card, receiving an input signal by the card, the signal indicating an output indication relevant to the event, and generating an output signal using power from the power source, based on the input signal. The card comprises a security component enabling a purchase relating to an event, a power source receiving charging energy at the time of the purchase, an input component receiving an input signal comprising information specifying a desired indication relevant to the event, an output component for generating the desired indication, one or more memories storing instructions and one or more processors executing the instructions to perform the method.Type: GrantFiled: August 11, 2022Date of Patent: August 22, 2023Assignee: Capital One Services, LLCInventor: Daniel Herrington
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Patent number: 11734985Abstract: Various embodiments for contextual tapping engines. For example, an application executing on a computing device may authenticate credentials associated with an account and detect a tap of a contactless card to the computing device. The application may receive, from a communications interface of the contactless card, action data used to determine an action associated with the tap of the contactless card to the computing device. The application may determine a context of the application based on a current output of the application. The application may determine, based on the action data, the determined context, and data associated with the account, a first action associated with the tap of the contactless card to the computing device, the first action associated with at least one of the application and an operating system (OS). The application may initiate performance of the first action based on the tap of the contactless card.Type: GrantFiled: March 2, 2022Date of Patent: August 22, 2023Assignee: Capital One Services, LLCInventors: Jeffrey Rule, Daniel Herrington, Colin Hart, Melissa Yoemans Heng
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Patent number: 11736473Abstract: Identifiers and access tokens for privacy in centralized address management. In an embodiment, address information may be associated with a unique address identifier that can be used in place of the address information. For example, a user may register an address with his or her user account using the address identifier, rather than the address information. In addition, an organization may utilize the address identifier to obtain an access token that enables communication with the user at the associated address information.Type: GrantFiled: April 1, 2021Date of Patent: August 22, 2023Inventor: Saurabh Shriniwas Kalantri
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Patent number: 11734669Abstract: A method of operating a payment-enabled mobile device to gain access to a location or a service. In an embodiment, a contactless front-end (CLF) component of a payment-enabled mobile device sequentially detects short-distance radio signals comprising at least two different polling signals, determines based on the sequence of the at least two different polling signals, that the payment-enabled mobile device is in proximity to a non-retail contactless transaction terminal, and then a payment application running on the payment-enabled mobile device bypasses a customary user verification feature. The process also includes the payment-enabled mobile device running the payment application performing a transaction with the non-retail contactless transaction terminal without invoking the customary user verification feature and then gaining access to at least one of a location or service.Type: GrantFiled: June 8, 2021Date of Patent: August 22, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ian David Alan Maddocks, Simon Phillips, Duncan Garrett, James John Anderson
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Patent number: 11727239Abstract: A secure asset supply cabinet comprises bins for holding assets and a programmable lock. The programmable lock comprises a short range wireless interface (e.g. RFID or NFC) and a physical lock actuatable by processing circuitry. The programmable lock receives an unlock code via the short range wireless interface, e.g. by a user entering credentials on a portable wireless device. The received unlock code is authenticated based on an authentication or lock code. If the unlock code is authentic, the physical lock is actuated to unlock the asset supply cabinet. Each bin may have a wireless asset tag on its surface. Each tag may comprise a user-actuatable button and be encoded with a unique ID. When a user performs a predetermined gesture with the button, such as pressing it twice, a restock message including the ID is transmitted to a wireless access point.Type: GrantFiled: June 15, 2022Date of Patent: August 15, 2023Assignee: INVENTOR-E LIMITEDInventors: Dean Charles Henry, John Venter
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Patent number: 11721156Abstract: A system and method of setting and charging a fixed donation amount provides a convenient contactless payment for donations. The system includes at least one portable donation terminal and at least one administrator personal computing (PC) device. The portable donation terminal is communicably coupled to the administrator PC device. An administrator may be a cashier, a clerk, a clergy member, and so on. The method begins by outputting a fixed charging amount with the portable donation terminal. Donation information is received through the portable donation terminal. The donation information is processed for the fixed charging amount. An administrator is prompted to generate a receipt of the fixed charging amount for the donation information. At least one remote server may also be communicably coupled to the administrator PC device in order to provide a reference identifier for the receipt. The receipt is outputted with the administrator PC device.Type: GrantFiled: June 14, 2021Date of Patent: August 8, 2023Inventor: Juan Carlos Vera
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Patent number: 11715088Abstract: Systems and methods are disclosed for providing cloud-based access to consumer financial information. A cloud-based platform may receive a notification from a server, the notification comprising a request to access consumer data associated with a financial services account. After confirming authorization by both the associated financial services account provider and the consumer, the platform may configure a software object identifying the server and at least a portion of the consumer data that the server is authorized to access. After presentation of the configured software object by the third party server, the platform may verify the configured software object, and provide to the server access to the authorized consumer data. The server may then utilize the provided consumer data to perform a mobile service for the consumer.Type: GrantFiled: March 1, 2021Date of Patent: August 1, 2023Assignee: FIDELITY INFORMATION SERVICES, LLCInventor: Rodney Aiglstorfer
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Patent number: 11711696Abstract: The invention is directed to systems and methods for implementing an airline ticket counter system in a mobile app that allows for ticket counters to be re-assignable and re-configurable across employee permission levels and across different airline companies with their own employee access policies.Type: GrantFiled: March 18, 2019Date of Patent: July 25, 2023Assignee: Metropolitan Washington Airports AuthorityInventors: Christian Kessler, Balaji Karuppiah, Dhamotharakkannen Seenivasagam
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Patent number: 11709817Abstract: A transportation platform interfaces with various entities of a transportation system, which may execute instances of a common transportation operating systems. Third-party applications access data and other transportation systems subject to regulatory restrictions of a government agency. Third party applications may perform useful functions and provide interfaces to users of the transportation system or administrators. Data from third-party applications may be added to a transportation database and used by other applications, such as according to purchase agreements.Type: GrantFiled: March 9, 2018Date of Patent: July 25, 2023Assignee: FORD GLOBAL TECHNOLOGIES, LLCInventor: Sudipto Aich
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Patent number: 11710009Abstract: A method for determining the authenticity of an identity document is provided that includes capturing, by an electronic device, image data of an identity document. The identity document has a first side and a second side. The image data includes an image of the first side and an image of the second side. The first side includes data about a person associated with the identity document and second side includes a PDF417 barcode which has features. The method also includes determining a class of the identity document. The features of the PDF417 barcode adhere to criteria established for the determined class of the identity document. Moreover, the method includes analyzing the features of the PDF417 barcode for anomalies. In response to determining the features of the PDF417 barcode are free of anomalies, the identity document is determined to be authentic. Otherwise, the identity document is determined to be fraudulent.Type: GrantFiled: October 4, 2022Date of Patent: July 25, 2023Inventor: Raphael A. Rodriguez
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Patent number: 11711686Abstract: The present disclosure provides a method of controlling a display of a SIM card function menu, the method including: determining whether a preset command corresponding to a corresponding preset function is received from the SIM card; and uninstalling a default function module corresponding to the preset function, in response to no preset command corresponding to the preset function being received from the SIM card. The present disclosure further provides a device having a storage function and a terminal.Type: GrantFiled: December 24, 2021Date of Patent: July 25, 2023Assignee: JRD COMMUNICATION (SHENZHEN) LTD.Inventors: Yangning Hong, Donghai Wu, Hanwu Xie, Zubin Chen
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Patent number: 11710126Abstract: A device and associated methods for entering a PIN via tapping are disclosed. The device can be configured to determine a number of taps provided by a PIN holder on a touch sensor in representation of a PIN digit and to store the number of taps as a digit in a sequence that represents the PIN. Indications for interaction with the device can be provided to PIN holders in the form of auditory cues. A visually impaired PIN holder may be able to complete a PIN entry process by following the indications for interaction, tapping on a touch sensor a number of times equal to the value of the digit of the PIN to be entered, and performing gestures mapped to commands for the device.Type: GrantFiled: April 25, 2022Date of Patent: July 25, 2023Assignee: FISERV, INC.Inventors: Jacob Whitaker Abrams, Jeffrey Blattman
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Patent number: 11704399Abstract: In some implementations, a physical medium may include a radio frequency (RF) component and an integrated circuit (IC) chip component. The physical medium may be configured to detect, via the RF component, that the physical medium is within a communicative proximity of a first user device or a first medium associated with a first account. The physical medium may communicate, via the RF component, with the first user device or the first medium based on detecting that the physical medium is within the communicative proximity of the first user device or the first medium. The physical medium may configure the IC chip component to indicate that the physical medium is paired with the first account. The physical medium may transmit, via the RF component or the IC chip component and to a terminal, an indication that the physical medium is paired with the first account.Type: GrantFiled: November 17, 2020Date of Patent: July 18, 2023Assignee: Capital One Services, LLCInventors: Lee Adcock, Nahid Farhady Ghalaty, Vincent Pham, Christopher Camenares
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Patent number: 11704662Abstract: Systems, methods, and devices for provisioning funding card numbers to merchant wallets are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for provisioning funding card numbers to third party wallets may include: (1) authenticating a customer using an electronic device; (2) redirecting the customer to a third-party website; (3) receiving, from the third-party website and via a first API, a request for funding primary account numbers (FPANs) associated with the customer; (4) providing the third-party website with a plurality of FPAN identifiers for FPANs associated with the customer; (5) receiving, from the third-party website and via a second API, a request for a FPAN associated with a selected FPAN identifier; (6) encrypting the FPAN associated with the selected FPAN identifier; and (7) communicating the encrypted FPAN to the third-party website.Type: GrantFiled: February 10, 2020Date of Patent: July 18, 2023Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Raghuram Vudathu, Sridhar Aravamudhan, David Christopher Carey, Shruti K. Patel, Janice Yoke Leng Wong
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Patent number: 11694187Abstract: Systems, methods, articles of manufacture, and computer-readable media. A communications interface may receive an indication that a server preauthorized a transaction. The communications interface may receive, from a point of sale device, an indication to pay for the transaction. The contactless card may determine, based on rules stored in the memory, that the location of the mobile device is within one or more locations the contactless card is permitted for use. The contactless card may generate transaction data comprising: indications of an account number and an expiration date of the contactless card, and the indication of the preauthorization. The contactless card may transmit the transaction data to the POS device as payment for the transaction. The server may authorize payment for the transaction using at least a portion of the transaction data based at least in part on identifying the indication of the preauthorization in the transaction data.Type: GrantFiled: July 3, 2019Date of Patent: July 4, 2023Assignee: Capital One Services, LLCInventors: Jeffrey Rule, Paul Moreton, Wayne Lutz
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Patent number: 11694794Abstract: Inadvertent activation of a portable medical device such as an ambulatory infusion pump can be reduced by locking a touchscreen of the device when it is indicated that an uninterrupted operation is to be performed. When a processor receives a device operation input from the touchscreen that indicates an uninterrupted operation is to be performed on the portable device, the touchscreen is automatically locked such that touch input at the touchscreen is not processed by the processor to navigate between or among menu screens or set pump parameters. Following completion of the uninterrupted operation, the touchscreen can be unlocked. In one embodiment, the touchscreen can be unlocked by selection of an unlock icon on the touchscreen.Type: GrantFiled: May 9, 2016Date of Patent: July 4, 2023Assignee: Tandem Diabetes Care, Inc.Inventors: Jason A. Farnan, Brian Bureson
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Patent number: 11694177Abstract: In order to improve efficiency of an operation of a cash handling system and reduce the labor required for the operation, a POS register receives an input of a cash-out amount, and an input of a charge amount. The POS register reads a debit card ID from a debit card, and transmits a settlement request including the debit card ID and a settlement amount to a management server. Upon receiving the settlement request, the management server withdraws the settlement amount from an account, and transmits a settlement permission to the POS register. Upon receiving the settlement permission from the management server, the POS register performs charge of electronic money, and transmits a dispensing instruction for the cash-out amount to a change machine. The change machine receives the dispensing instruction and dispenses cash.Type: GrantFiled: January 8, 2021Date of Patent: July 4, 2023Assignee: GLORY LTD.Inventor: Daisuke Inokami
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Patent number: 11687944Abstract: A method for optimizing transaction authorization conversion rates includes retrieving payment transaction parameters and authorization results for a plurality of past payment transactions, generating authorization success factors for each of a plurality of payment transaction parameters based on the retrieved payment transaction parameters and authorization results, receiving, at an acquirer processor, a payment transaction from a merchant, modifying one or more parameters of the payment transaction according to the generated authorization success factors, and submitting the modified payment transaction to a financial institution for processing.Type: GrantFiled: December 29, 2021Date of Patent: June 27, 2023Assignee: Worldpay, LLCInventors: William H. Cohn, Sayid Shabeer, Ned Canning
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Patent number: 11687755Abstract: A secure smart card is described. The smart card can include a processor, a memory and a transceiver. The smart card can communicate with various terminals and store a digital signature and other information on the card. Another terminal can validate the information stored on the smart card using the digital signature. In certain embodiments, the terminal can also validate the information by using a blockchain. The advanced design of the smart card obviates the need for a network connection.Type: GrantFiled: January 24, 2022Date of Patent: June 27, 2023Assignee: CAPITAL ONE SERVICES, LLCInventors: Kevin Osborn, James Zarakas, Saleem Sangi, Jeffrey Rule
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Patent number: 11681888Abstract: A sensor device is provided that includes a fingerprint sensor and an antenna coupled with the fingerprint sensor for inductive coupling of the fingerprint sensor with a booster antenna.Type: GrantFiled: October 21, 2020Date of Patent: June 20, 2023Assignee: Infineon Technologies AGInventors: Frank Pueschner, Walther Pachler, Josef Gruber, Jens Pohl, Stephan Rampetzreiter, Thomas Spoettl, Peter Stampka
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Patent number: 11681979Abstract: A method for supply chain management using mobile devices with a server on an electronic data network includes receiving identifying information for a product transmitted from a mobile device via the network, the server being periodically updated with product recall data. The server queries a traceability server via the network for master data and event data related to the product using the identifying information. The server processes the recall data, master data, and event data to produce product data which is output to the mobile device.Type: GrantFiled: December 11, 2020Date of Patent: June 20, 2023Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATIONInventors: Steve Beier, Varun Bhagwan, James Funk, Arthur F. Kaufmann, Suzanna Khatchatrian, Timothy T. Liu, Justin Ormont, Heather M. Underwood
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Patent number: 11682000Abstract: Provided is a wearable device, including a base configured to be worn by a user, at least one data element at least partially positioned on or within the base and programmed or configured to have account data stored thereon, and at least one antenna including an open circuit, the at least one antenna at least partially positioned on or within the base and configured to transmit at least a portion of the account data and receive at least a portion of transaction data from at least one target device when the open circuit of the antenna is closed and becomes powered by at least one power source. Other expressions are also disclosed.Type: GrantFiled: January 21, 2021Date of Patent: June 20, 2023Assignee: Visa International Service AssociationInventors: Yobel Muchang, Christopher Dean, Quan Wang, Mayank Somaiya, Jerry Wald
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Patent number: 11676153Abstract: The disclosure herein describes management of transaction blocking schemes via a user interface. A transaction blocking scheme is receiving via the user interface from a user, including transaction blocking rules. The transaction blocking rules are applied to transaction data associated with the user. Transaction blocking scheme performance data is generated based on the application of the transaction blocking rules to the transaction data, including a quantity of transactions of the transaction data that are blocked by the transaction blocking rules. A visualization of the transaction blocking scheme performance data is displayed via the user interface and the user is prompted to provide a response based on the displayed visualization. Based on the response to the prompt, the transaction blocking scheme is activated for application to incoming transactions, whereby the transaction blocking rules are applied to incoming transactions to determine whether to block the incoming transactions.Type: GrantFiled: August 28, 2020Date of Patent: June 13, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Gnanasivam Palaniappan, Vincent Ferrante, James Stephen Herrmann, Rengaram Kuduva Santharam, Baladhandauthabani Dharmaraj
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Patent number: 11675884Abstract: A method and system for authenticating a user based on a human-recognizable visual representation of biometric data of the user is captured using the digital camera, wherein a biometric feature descriptor is generated from the captured biometric data of the user, and the feature descriptor, together with a user selected user profile, is transmitted to an inspection server adapted for validating whether the transmitted biometric feature descriptor corresponds to a centrally stored biometric feature descriptor of biometric data of the user. If this is the case, the inspection server transmits an “authentication approved” signal together with user personalization data specified in the selected user profile to the inspection terminal.Type: GrantFiled: October 10, 2018Date of Patent: June 13, 2023Assignee: IDEMIA THE NETHERLANDS B.V.Inventors: Jouri De Vos, Joost Van Prooijen, Vincent Bouatou, Cyril Wattebled
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Patent number: 11669840Abstract: Disclosed herein is a system and a computer implemented method for managing associations between a plurality of entities in a safe, reliable, effective and efficient manner. The system leverages biometric authentication and identity verification to ensure authentic entity profiles and weed out fake profiles and transactions. Further, the system employs one or more artificial intelligence based algorithms to generate an integrity score for a registered entity based on veracity of information shared by an entity with other entities and with the platform, thereby eliminating fake claims made by registered entities to solicit proposals and connection requests.Type: GrantFiled: December 18, 2020Date of Patent: June 6, 2023Inventor: Yuzhen Xu
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Patent number: 11662843Abstract: Technologies for interfacing an input overlay device with a touch screen of a computing device are disclosed. A computing device includes a touch screen and at least one processor to execute instructions to: determine parameters associated with an input overlay device overlying the touch screen, the input overlay device separate from the computing device, the parameters to identify a first area of the touch screen and a second area of the touch screen different than the first area, the first area corresponding to an area of the touch screen covered by the input overlay device; detect a position of a touch on the touch screen; if the position of the touch is in the first area, determine an input for the computing device based on the position of the touch; and if the position of the touch is in the second area, ignore the touch.Type: GrantFiled: February 15, 2021Date of Patent: May 30, 2023Assignee: Intel CorporationInventors: Arvind Kumar, Antonio Cheng, Scott Webb, Gustavo Fricke
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Patent number: 11657385Abstract: Embodiments of the present disclosure provide a device, system, methods and components related to a modular card. Example components of the modular card include a thin rectangular rear plate, a thin rectangular front plate overlying the rear plate, a first plurality of fasteners fixed to the thin rectangular front plate, a second plurality of fasteners fixed to the thin rectangular rear plate, the second plurality of fasteners being configured to be removably engaged with the first plurality of fasteners; a magnetic strip, and/or an integrated circuit. In operation a user may remove and/or replace various components to customize the modular card. Some customizations include altering the accounts to which the modular card relates. In some example, the modular card may include components which relate to different accounts.Type: GrantFiled: May 7, 2021Date of Patent: May 23, 2023Assignee: CAPITAL ONE SERVICES, LLCInventors: Vincent Pham, Mark Watson, Reza Farivar, Fardin Abdi Taghi Abad, Jeremy Goodsitt, Austin Walters
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Patent number: 11652916Abstract: In various embodiments, a mobile phone apparatus is provided for: storing, at an electronic device, payment information for a payment account; detecting, at the electronic device, that a mechanical input was locally received at the electronic device; and in response to detecting that the mechanical input has been locally received at the device, enabling, at the electronic device, the payment information to be accessed.Type: GrantFiled: February 19, 2021Date of Patent: May 16, 2023Assignee: W74 Technology, LLCInventors: George Andrew Gordon, Joseph A Cerrato, Ronald A Johnston, Kevin J Zilka
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Patent number: 11651182Abstract: One 16 digits smart card shaped like a regular bank card in length and width with chip and swiping abilities which is divided into several different separate sectors. e.g. bank cards, credit cards, cash transactions, medical insurance usage and other personal documentation of information that are all stored on one smart card. This smart card is configured to hold financial information, general information, and documentation of a variety of various categories of different documents on its database. All parts can be accessible by one four-digit secret security code to ensure the safety of the card's information.Type: GrantFiled: July 31, 2019Date of Patent: May 16, 2023Inventor: Mileke Armein Davis
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Patent number: 11651337Abstract: A method, system, and computer program product for analyzing images of visual objects, such as currency and/or payment cards, captured on a mobile device. The analysis allows determining the authenticity and/or total amount of value of the currency and/or payment cards. The system may be used to verify the authenticity of hard currency, to count the total amount of the currency captured in one or more images, and to convert the currency using real time monetary exchange rates. The mobile device may be used to verify the identity of a credit card user by analyzing one or more images of the card holder's face and/or card holder's signature, card holder's name on the card, card number, and/or card security code.Type: GrantFiled: December 9, 2019Date of Patent: May 16, 2023Inventors: Alon Atsmon, Dan Atsmon
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Patent number: 11643048Abstract: A computer system performs techniques related to enrolling and using a secure credential. In some embodiments, a computer system provides user interfaces for enrolling a secure credential on the computer system. In some embodiments, a computer system provides user interfaces for inviting a user account to use a secure credential.Type: GrantFiled: October 22, 2020Date of Patent: May 9, 2023Assignee: Apple Inc.Inventors: Vitalii Kramar, Dorian D. Dargan, Marcel Van Os
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Patent number: 11636540Abstract: The systems and methods described herein allow consumers to lock or unlock their credit files at multiple credit bureaus in real-time or near real-time. The service may allow a consumer to provide identifying information, such as a personal identifier to lock or unlock credit files at a plurality of credit bureaus over a network. Upon receiving the personal identifier, the system may use the personal identifier to translate the identifier into a plurality of access codes for respective credit bureaus, for example by accessing a data structure, such as a database or table, that stores a personal identifier and access codes that are associated with a consumer. The system may then use the access codes to automatically initiate locking or unlocking of credit files for the consumer at the respective credit bureaus.Type: GrantFiled: April 5, 2021Date of Patent: April 25, 2023Assignee: Experian Information Solutions, Inc.Inventors: Eric Haller, Kelly Kent