Including Financial Account Patents (Class 705/14.17)
  • Patent number: 12019692
    Abstract: Systems and methods display, via a user interface of a user device, a webpage associated with a user account of a user and comprising image(s), each image being associated with a corresponding user apparatus specific to the user. Selectable input options associated with each user apparatus corresponding to each image are provided, via the webpage, where each selectable input option comprises element setting(s) each having rules associated therewith that regulate user apparatus elements of each user apparatus, where at least one selectable input option of the selectable input options includes a modifiable visual element of an image. An indication is received to generate a physical apparatus comprising a visual element selected by the user, the visual element modifying the modifiable visual element of the image, where the generated physical apparatus is to be distributed to a physical location defined by the user.
    Type: Grant
    Filed: December 14, 2022
    Date of Patent: June 25, 2024
    Assignee: TRUIST BANK
    Inventors: Mary Margaret Mueller, Jamie Nathaniel Franklin
  • Patent number: 11935011
    Abstract: A notification system and method that allows a user to be placed on a waiting list, disclosing only the personal information the user chooses to disclose, and receive updates or other information relating to his status on the waiting list through a personal communication device. A timekeeping system and method generates time in and time out record entries based upon a display code presented the personal communication device. A form data aggregation system and method consolidates inputted information from multiple applications on the personal communication device.
    Type: Grant
    Filed: December 23, 2020
    Date of Patent: March 19, 2024
    Inventor: Alan West
  • Patent number: 11922380
    Abstract: A system and method for recommending portable financial device for a payment transaction is disclosed. The method includes establishing a secure communication session with one or more external APIs during a payment transaction stage and fetching data representative of banking accounts associated with a customer from the one or more external APIs. The method further includes determining one or more transactional parameters associated with the payment transaction stage and generating an optimal score for each of the one or more portable financial devices by using Machine Learning (ML) based transaction model. The method includes identifying best suitable portable financial device with maximum optimal score and recommending the identified best suitable portable financial device for completing the payment transaction stage based on the identification.
    Type: Grant
    Filed: August 23, 2021
    Date of Patent: March 5, 2024
    Assignee: YamaPay Inc.
    Inventors: Ashraf Seddeek, Vipul Jain
  • Patent number: 11907501
    Abstract: An information processing device including: an operation display; a storage section configured to store transaction content information including a transaction content that has been previously executed and date/time information of the executed transaction content; a processor configured to, based on an operation date/time information of a user operating the operation display, search in the storage section as to whether there is a recursive transaction that has been repeatedly executed with a same transaction content in a same time band as a time band of the operation date/time information; and in a case in which there is the recursive transaction, display a first screen including a selection button for selecting the recursive transaction on the operation display, and, after the selection button is selected, automatically switch displays of plural screens showing a transaction content of the recursive transaction.
    Type: Grant
    Filed: June 13, 2022
    Date of Patent: February 20, 2024
    Assignee: Oki Electric Industry Co, Ltd.
    Inventor: Akira Takekawa
  • Patent number: 11900318
    Abstract: An inventory management system includes one or more radio frequency identification (RFID) readers each configured to detect RFID labels attached to inventory items within a certain radius of the RFID reader. The one or more RFID readers are configured to automatically determine a directional movement of RFID labels and attached inventory items. A first computer server is configured to communicate, via a network connection, with one or more client devices, and also configured to receive data gathered by the one or more RFID readers. The first computer server is configured to maintain a real-time inventory status of the inventory items. The real-time inventory status includes a location of the one or more RFID labels. The first computer server is configured to transmit the real-time inventory status to a display of the client device.
    Type: Grant
    Filed: December 1, 2022
    Date of Patent: February 13, 2024
    Assignee: Ellsworth Corporation
    Inventors: Jeremy Richardson, Christina Gabrielson, James Hazen, Randall T. Witt
  • Patent number: 11893582
    Abstract: The invention relates to distributed ledge technologies such as consensus-based blockchains. Methods for causing an injection of a serialized previous transaction into a locking script are described. The invention is implemented using a blockchain network, which may be, for example, a Bitcoin blockchain. A first transaction to validate is received at a node in a blockchain network, with the first transaction including a first script. The first script, as a result of being executed, causes the node to at least obtain a first set of field values corresponding to the first transaction and obtain a second set of field values corresponding to a particular transaction. A second transaction is obtained, with the second transaction having been validated and including a second script.
    Type: Grant
    Filed: May 14, 2018
    Date of Patent: February 6, 2024
    Assignee: nChain Licensing AG
    Inventors: Ying Chan, Dean Kramer
  • Patent number: 11875330
    Abstract: The present disclosure relates generally to systems and methods for facilitating micropayments between distributed, independent consumers and content creators. A computer-implemented method is disclosed related to enabling tips between at least one content consumer and at least one content creator, comprising: receiving, at a web application from a user interface, an intent to tip; sending, via the web application, a payment initiation based on the intent to tip to a processing service; generating, at the processing service, a payment event based on the payment initiation, wherein the payment event comprises payment data; and updating, at the processing service, at least one wallet based on the payment data.
    Type: Grant
    Filed: October 28, 2019
    Date of Patent: January 16, 2024
    Assignee: PENNYPAY, INC.
    Inventors: Robert A. Musiala, Jr., John H. Kuk
  • Patent number: 11797975
    Abstract: Various examples described herein are directed to systems and methods that provide a pre-authorized amount from a user to an intended recipient that is remote from the user. A quick response (QR) code provided from a recipient is read. The QR code includes the pre-authorized amount to be withdrawn from an account associated the user and image data associated with the intended recipient. Image data associated with the recipient is captured. Image analysis is performed on the captured image data associated with the recipient. The analyzed captured image data associated with the recipient is compared with the image data associated with the intended recipient. A determination is then made if the recipient is the intended recipient based on the comparison. When the recipient is the intended recipient, the pre-authorized amount is provided to the recipient from the account associated with the user.
    Type: Grant
    Filed: November 11, 2021
    Date of Patent: October 24, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Sreenivasa Reddy Garlapati, Samanth Mathi
  • Patent number: 11736894
    Abstract: Described is a social communication system. The system includes a server having a memory storing user data and a user computing device coupled to the server. The server may be programmed to receive and process a signal that the user computing device has accessed the system and send for display on the user computing device other users that are accessing the system and within a predetermined proximity of the user computing device. The system allows users to communicate anonymously through a communication interface.
    Type: Grant
    Filed: December 13, 2021
    Date of Patent: August 22, 2023
    Inventor: Charles Isgar
  • Patent number: 11729428
    Abstract: Example devices and techniques are disclosed for incorporating temporal identification information in geometry point cloud compression syntax structures. An example device for decoding point cloud data includes memory configured to store the point cloud data and one or more processors implemented in circuitry and communicatively coupled to the memory. The one or more processors are configured to determine a value of a temporal identifier (ID) of a syntax structure and decode the point cloud data based on the value of the temporal ID. The temporal ID of the syntax structure identifies a temporal layer to which point cloud data associated with the syntax structure belongs.
    Type: Grant
    Filed: September 22, 2021
    Date of Patent: August 15, 2023
    Assignee: QUALCOMM Incorporated
    Inventors: Adarsh Krishnan Ramasubramonian, Geert Van der Auwera, Bappaditya Ray, Marta Karczewicz
  • Patent number: 11720169
    Abstract: An interaction method and system based on virtual reality equipment are disclosed. The method comprises: rendering a user avatar of each virtual reality equipment in the virtual reality scene of each virtual reality equipment according to user data of multiple virtual reality equipments; acquiring in real time position-posture tracking data of multiple users collected by multiple virtual reality equipments, wherein the position-posture tracking data carries user IDs; merging the position-posture tracking data of multiple users based on the user IDs carried by the position-posture tracking data, to obtain position-posture merging data of each user, wherein the position-posture merging data carries user ID; and updating position-posture status of user avatars having a same user ID in the virtual reality scene of each virtual reality equipment by using the position-posture merging data and its carried user IDs, to realize interaction among different user avatars in the virtual reality scene.
    Type: Grant
    Filed: August 5, 2022
    Date of Patent: August 8, 2023
    Assignee: QINGDAO PICO TECHNOLOGY CO., LTD.
    Inventor: Tao Wu
  • Patent number: 11710140
    Abstract: The systems, methods and computer program products (collectively “system”) described herein relate to customized real time data delivery. The system may be configured to receive, by a performance marketing cluster, first data from a first data source. The system may also receive, by the performance marketing cluster, second data from a second data source. The system may determine, by the marketing cluster, an analysis scheme for the first data and the second data based on the first data source. The system may also determine, by the marketing cluster, at least one of a propensity to act or a recommendation selected from a predefined number of available options for a population based on the analysis scheme and the first data source.
    Type: Grant
    Filed: January 21, 2020
    Date of Patent: July 25, 2023
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Lee Chau, Tirthankar Choudhuri, Ajay Choudhary, Vikas Grover, Mohd Arshad Naeem, Subhajit Sanyal, Dawn Thomas, Amit Jagdish Agarwal, Pranav Mehta, Kamal Gupta, Subhra Purkayastha, Prakruthi Prabhakar
  • Patent number: 11704727
    Abstract: Various methods, apparatuses/systems, and media for accessing data in real time are provided. A plurality of data sources are provided, each including various data corresponding to a user's account held and managed by an institution. A processor implements API connectivity to connect a user's system of choice to each of the plurality of data sources. A receiver receives user's login data associated with the user's account from the user's system of choice. The processor accesses data corresponding to the user's account in real time from the plurality of data sources via the API connectivity; and causes a GUI of the user's system of choice to display the data in real time.
    Type: Grant
    Filed: July 21, 2020
    Date of Patent: July 18, 2023
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Umar Farooq, Sairam Rangachari, Jenny Mustazza
  • Patent number: 11687945
    Abstract: A computer operable method of processing a current transaction between a merchant device and a customer device, including: receiving a command for remote payment from a computer application program on a computer system in a merchant network; receiving said transaction data from the computer application program; said transaction data containing phone number or unique identifiable data element for the customer; generating a message which contains a clickable link; sending a short messaging service (SMS) or multimedia messaging service (MMS) based on the message that is generated; displaying a web page with payment options when link is clicked; directing data transmission to different payment gateways from the payment options displayed on the web page; receiving data from different payment gateways based on the payment option selected; and transmitting said received data from a payment gateway to the originating merchant device.
    Type: Grant
    Filed: August 4, 2022
    Date of Patent: June 27, 2023
    Assignee: TRANSACTIONTREE, INC
    Inventors: Jason Louis Shapiro, James Christopher Wilson, Jose Angel Jimenez Dams, Mark Theodore Shapiro
  • Patent number: 11673057
    Abstract: One embodiment of the disclosure relates to a method of transferring game data of a user stored in association with a first user identification information on a first platform to a second platform by executing computer readable instructions by one or more computer processors. The first user identification information is used to identify the user on the first platform and a second user identification information is used to identify the user on the second platform. The method includes a step of generating link data that associates the first user identification information with the second user identification information included in the identification code read by a first client device, and a step of identifying the game data based on the second user identification information and the link data and providing a game to the second client device by using the game data.
    Type: Grant
    Filed: March 15, 2019
    Date of Patent: June 13, 2023
    Assignee: GREE, Inc.
    Inventor: Toshiya Horie
  • Patent number: 11665540
    Abstract: The present inventive idea relates to a method for forming a Bluetooth network which authenticates through an authentication code generated based on post-quantum cryptography and a Bluetooth network operating system performing the same. The method for forming a Bluetooth network performed by a master device to perform Bluetooth communication with a slave device according to an embodiment of the present disclosure may include: obtaining an address of the slave device by scanning the Bluetooth network; generating a public key and a private key; transmitting the public key to the scanned slave device; receiving a key capsule and an authentication code corresponding to the public key; generating a verification code by using the key capsule; generating a symmetric key by comparing the verification code with the authentication code; and performing communication through the Bluetooth network by using the symmetric key.
    Type: Grant
    Filed: December 13, 2022
    Date of Patent: May 30, 2023
    Assignee: NORMA Inc.
    Inventors: Hyunchul Jung, Chang Nyoung Song
  • Patent number: 11651385
    Abstract: A wallet server includes a processor including hardware. The processor is configured to acquire, from a plurality of terminals that are preset, evaluation information indicating an evaluation for a terminal other than an own terminal among the plurality of terminals, the evaluation information being generated by the own terminal, calculate reward amounts for the respective terminals based on the evaluation information, and deposit electronic money corresponding to the reward amounts to electronic wallets associated with the respective terminals.
    Type: Grant
    Filed: February 17, 2021
    Date of Patent: May 16, 2023
    Assignee: TOYOTA JIDOSHA KABUSHIKI KAISHA
    Inventors: Kenji Okazaki, Masato Endo, Mayumi Kurita, Masashi Toritani, Kumiko Matsuura, Takayuki Shikoda, Masaaki Otsuka, Yoshikazu Ishii
  • Patent number: 11651247
    Abstract: A method including receiving an unknown vector including a data structure populated with unknown features describing a user. The method also includes executing a primary machine learning model (MLM) trained using a prediction data set to predict a score representing a prediction regarding the user. The prediction data set includes the unknown vector stripped of a biased data set including markers set that directly indicate that the user belongs to a cohort against which bias is to be avoided. The method also includes executing a supervisory MLM trained using the prediction data set to predict whether the user belongs to the cohort. The method also includes performing, using an industry tool, a computer-implemented action using the score after executing the primary MLM and the supervisory MLM.
    Type: Grant
    Filed: March 21, 2019
    Date of Patent: May 16, 2023
    Assignee: Prosper Funding LLC
    Inventor: Paul Golding
  • Patent number: 11626992
    Abstract: Aspects of the subject disclosure may include, for example, a device with a processing system including a processor; and a memory that stores executable instructions that, when executed by the processing system, facilitate performance of operations including receiving a first record of sending a file and a hash for the file from a sender of the file; recording the first record on a blockchain; providing the first record to a receiver of the file; and monitoring a predetermined time period in which to receive a second record of receiving the file and the hash for the file. Other embodiments are disclosed.
    Type: Grant
    Filed: April 21, 2020
    Date of Patent: April 11, 2023
    Assignee: AT&T Intellectual Property I, L.P.
    Inventors: Yaron Kanza, Divesh Srivastava, Tamraparni Dasu, Eleftherios Koutsofios
  • Patent number: 11580516
    Abstract: A device that includes a housing configured to couple to an interior of a vehicle. The device further includes a card reader and a user interface. The card reader is configured to receive payment card information for a payment card. The user interface is configured to receive a user input identifying a product, to determine a current location of the device, to determine a vending location where the product is available based on the current location of the device, and to modify a route to a final destination to include the vending location. The user interface is further configured to send an authorization request requests a purchase of the product, to receive an approval message, to generate an authorization token that authorizes a purchase to retrieve the products from the vending location, and output the authorization token.
    Type: Grant
    Filed: May 15, 2019
    Date of Patent: February 14, 2023
    Assignee: 7-ELEVEN, INC.
    Inventors: Jonathan Christopher Hodge, Gurmeet Singh, Maninder Singh Suri, Ranganathan Mohan
  • Patent number: 11544686
    Abstract: In one embodiment, in an information processing apparatus, comprising at least one computer processor, a Bot executed by the at least one computer processor may perform the following: (1) receiving invoice information for an invoice for a payor, the invoice information comprising an invoice amount and a due date; (2) electronically communicating a payment reminder comprising the invoice amount and the due date to the payor in a chat interface; and (3) providing a payment interface in the chat interface.
    Type: Grant
    Filed: August 29, 2019
    Date of Patent: January 3, 2023
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Victor Chu, Batu Sayici, Justin Marks
  • Patent number: 11538069
    Abstract: A social networking system associates identification information with combinations of values used to generate a dynamically-created advertisement. Interactions with the dynamically-created advertisement by social networking system users are also associated with the dynamically-created advertisement. The social networking system uses the identification information to present the same combination of values used to generate the dynamically-created advertisement to additional social networking system users. Additionally, information describing interactions with the dynamically-created advertisement is determined from the interactions associated with the identification information, allowing the dynamically-created advertisement to be included in a personalized feed of content items presented to an additional user along with information describing interactions by various users presented with the same combination of values of components in the dynamically-created advertisement.
    Type: Grant
    Filed: September 6, 2019
    Date of Patent: December 27, 2022
    Assignee: Meta Platforms, Inc.
    Inventors: Scott Aaron Shapiro, Shreehari Manikarnika, Brian M. Wrightson, Saket Jalan, Gang Wu
  • Patent number: 11531962
    Abstract: An inventory management system includes one or more radio frequency identification (RFID) readers each configured to detect RFID labels attached to inventory items within a certain radius of the RFID reader. The one or more RFID readers are configured to automatically determine a directional movement of RFID labels and attached inventory items. A first computer server is configured to communicate, via a network connection, with one or more client devices, and also configured to receive data gathered by the one or more RFID readers. The first computer server is configured to maintain a real-time inventory status of the inventory items. The real-time inventory status includes a location of the one or more RFID labels, and further includes a current usage state of the attached inventory items. The first computer server is configured to transmit the real-time inventory status to a display of the client device.
    Type: Grant
    Filed: April 20, 2021
    Date of Patent: December 20, 2022
    Assignee: Ellsworth Corporation
    Inventors: Jeremy Richardson, Christina Gabrielson, James Hazen, Randall T. Witt
  • Patent number: 11488159
    Abstract: A system for determination of a revenue share of a mobility player (MP) of a MaaS network is disclosed. An MP node of the MP is on-boarded to a node package of the MaaS network and gets associated with a MaaS node of the node package, based on an on-boarding process. The on-boarding process includes a definition of a service structure including configuration data of the MP and a signing off of the MP node to a service agreement and a privacy policy associated with the MaaS network based on terms of service of the service agreement. Once, the MP node is on-boarded to the node package, the MaaS node and/or one or more external nodes, such as, a plurality of aggregator nodes and a central MaaS node may determine a revenue share of the MP based on receipt of a trigger event associated with the node package.
    Type: Grant
    Filed: September 27, 2021
    Date of Patent: November 1, 2022
    Assignee: SONY GROUP CORPORATION
    Inventors: Sadayoshi Murao, Takashi Togame, Srinivas Pingili
  • Patent number: 11461678
    Abstract: A method includes receiving, by a loan program executing on a loan computing system, conditions from an originator program executing on an originator computing system. The conditions are sent, by the loan program, to a wallet program executing on a wallet computing system. Cryptographic proof that the conditions are met is received by the loan program from the wallet program. Ownership data of the loan program is updated by the loan program to identify a buyer program executing on a buyer computing system in response to invocation of a purchase function of the loan program. Payment receipt data is appended, by the loan program, to the loan program in response to invocation of a payment append function of the loan program by a loan service program executing on a loan service computing system.
    Type: Grant
    Filed: March 20, 2020
    Date of Patent: October 4, 2022
    Assignee: Prosper Funding LLC
    Inventor: Paul Golding
  • Patent number: 11443322
    Abstract: A computer operable method of processing a current transaction between a merchant device and a customer device, including: receiving a command for remote payment from a computer application program on a computer system in a merchant network; receiving said transaction data from the computer application program; said transaction data containing phone number or unique identifiable data element for the customer; generating a message which contains a clickable link; sending a short messaging service (SMS) or multimedia messaging service (MMS) based on the message that is generated; displaying a web page with payment options when link is clicked; directing data transmission to different payment gateways from the payment options displayed on the web page; receiving data from different payment gateways based on the payment option selected; and transmitting said received data from a payment gateway to the originating merchant device.
    Type: Grant
    Filed: May 24, 2021
    Date of Patent: September 13, 2022
    Assignee: TRANSACTIONTREE, INC
    Inventors: Jason Louis Shapiro, James Christopher Wilson, Jose Angel Jimenez Dams, Mark Theodore Shapiro
  • Patent number: 11423394
    Abstract: In an embodiment, a method performed by a payment service system (PSS) includes receiving from a first payment application associated with the PSS, a request to generate a token. The method includes identifying account information associated with the recipient. The method includes generating an anonymizing token associated with the recipient. The method includes storing an association between the account information of the recipient and the anonymizing token. The method includes providing for display of the anonymizing token within the first payment application. The anonymizing token anonymously embeds recipient information and the account information of the recipient.
    Type: Grant
    Filed: March 29, 2021
    Date of Patent: August 23, 2022
    Assignee: Block, Inc.
    Inventors: Nathan P. McCauley, Yun Chi, Rong Yan
  • Patent number: 11405659
    Abstract: Embodiments of the present disclosure provide a method for video recording, an apparatus for video recording, and a terminal device. The method can be applied to a first terminal. The first terminal can be configured to play a live video of a second terminal when the second terminal is on live. The method can include: obtaining a user identifier of a target audience logging into the first terminal; obtaining voice data of an anchor in the live video within a time period in response to detecting a first event, wherein the time period is after a current time point; and generating a video through screen recording based on the user identifier and the voice data.
    Type: Grant
    Filed: December 1, 2020
    Date of Patent: August 2, 2022
    Assignee: Beijing Dajia Internet Information Technology Co., Ltd.
    Inventors: Wannan Xie, Wei Fan, Jie Li
  • Patent number: 11392908
    Abstract: A device may process information associated with a first set of users with benefit accounts to determine a first subset of users that have a likelihood of donating and may identify a donor user with a benefit account having a credit balance from among the first subset of users. The device may process information associated with a second set of users with accounts having debit balances to determine a second subset of users that have a likelihood of not paying off the debit balances and may identify a recipient user with an account having a debit balance from among the second subset of users. The device may receive authorization to use a portion of the credit balance of the donor user to reduce the debit balance of the recipient user and may perform an action to facilitate use of the portion of the credit balance to reduce the debit balance.
    Type: Grant
    Filed: March 27, 2020
    Date of Patent: July 19, 2022
    Assignee: Capital One Services, LLC
    Inventors: Lukiih Cuan, Shaun Webb, Joshua Edwards
  • Patent number: 11386385
    Abstract: According to various embodiments, system, methods and computer program products are configured for providing at least one customized communication to a recipient of one or more packages shipped by a consignor via a common carrier. One or more computer processors are configured to: receive at least a portion of customized content; retrieve at least a portion of consignee data, the portion comprising one or more parameters established by the recipient; compare the one or more components of the customized content with the one or more parameters established by the recipient so as to identify one or more correlations there-between; in response to identifying at least one correlation, generate at least one customized communication for provision to the recipient, the at least one customized communication containing at least a portion of the customized content; and in response to identifying no correlations, generate at least one standard communication containing no customized content.
    Type: Grant
    Filed: July 15, 2019
    Date of Patent: July 12, 2022
    Assignee: United Parcel Service of America, Inc.
    Inventors: Robert J. Gillen, Jessica Catherine Grimes, David Daniel Alery, David Louis Molvik, Du Phung, Randy Campbell
  • Patent number: 11315137
    Abstract: Systems and methods for providing a rewards payment form linked directly to a rewards account are described. The rewards points may be spent directly by the customer through the use of the payment form linked to the rewards account. The payment form may be a payment card (e.g., a physical card having an account number accessible via a magstripe, an EMV chip, etc.) or a virtual payment card loaded into a mobile wallet accessible by the customer. The rewards payment form allows the customer to spend the rewards points stored in the rewards account without first going through the extra step of converting the rewards points into currency.
    Type: Grant
    Filed: January 12, 2018
    Date of Patent: April 26, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ashish B. Kurani, Steven E. Puffer
  • Patent number: 11301892
    Abstract: Systems, methods, and apparatuses for performing a pay with points rewards transaction are described herein. A customer of a financial institution having a rewards account associated with a payment account can provide parameters for future transactions that are to be paid with points instead of charged to the payment account. To designate the future transaction as a rewards transaction, the customer sets rewards transaction parameters (e.g., via a mobile banking application, via an online banking portal, via a telephone system associated with the financial institution, etc.). After setting the rewards transaction parameters, the financial institution identifies a purchase request that matches the rewards transaction parameters and processes the transaction as a rewards transaction.
    Type: Grant
    Filed: June 22, 2016
    Date of Patent: April 12, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Megan Collins, Minhthe Luu, Annette S. Marsh, Karen D. Tom, Cheryl Lynn Wu
  • Patent number: 11295292
    Abstract: The present disclosure provides a system constructed by connecting a mobile terminal and a service providing device, and a service providing method, wherein the service providing device and the mobile terminal are directly connected via an interface of the mobile terminal; the service providing device provides a service independently or through collaboration between the service providing device and various parties such as the mobile terminal and/or the background server based on the service information parsed and extracted the code information, identification information of any one or more parties among the user, the first mobile terminal, and the service providing device, and/or information bound to the identification information. Through active code scanning or passive code scanning or a combination of the two, the present disclosure may conveniently and quickly implement sensing access and effectively enhance security for operations such as mobile payment, etc.
    Type: Grant
    Filed: November 6, 2017
    Date of Patent: April 5, 2022
    Inventor: Wei Xu
  • Patent number: 11295313
    Abstract: A financial management system may include a device processor and a non-transitory computer readable medium including instructions, executable by the processor. The computer readable medium may include instructions for receiving purchase information regarding a pending purchase of a system user using an account; sending the purchase information, along with a request for approval of the purchase, to one or more personal electronic devices of a guardian of the account; receiving a response selected by the guardian; and selectively permitting the purchase based on the response selected by the guardian.
    Type: Grant
    Filed: December 30, 2019
    Date of Patent: April 5, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventor: Ryan Thomas Russell
  • Patent number: 11282087
    Abstract: A computer-implemented method for providing payment account information in a user account by receiving payment card information by a card reader at a point of sale. An account can be created when the payment card information is read by the card reader. Optionally, a gift card can be scanned prior to the creation of the account, and the gift card information can be combined with the payment card information. The gift card can be an electronic gift card which can be personalized with textual, visual, video, and/or audio portions.
    Type: Grant
    Filed: August 3, 2020
    Date of Patent: March 22, 2022
    Assignee: Block, Inc.
    Inventor: William Henderson
  • Patent number: 11263655
    Abstract: A method for confirming post-authorization erasure of a transaction payment using reward points includes: storing account profiles including data related to reward accounts, each including an account identifier and point amount; receiving a transaction message associated with a payment transaction, the message including a specific account identifier and transaction amount; identifying a specific account profile that includes the specific account identifier; calculating a point cost based on the transaction amount; identifying an authorization reference key associated with the payment transaction and specific account profile; identifying a unique identifier associated with the authorization reference key; storing an authorization record including authorization reference key and unique identifier; generating a request message including the identified unique identifier one of: the point cost and transaction amount; and transmitting the request message to a consumer associated with the specific account profile.
    Type: Grant
    Filed: January 2, 2020
    Date of Patent: March 1, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: William J. Good, Kyle P. Clark
  • Patent number: 11250955
    Abstract: A computer implemented method of determining a user health rating. The method may include evaluating transaction records in a user transaction history, determining whether the transactions are associated with positive or negative health, and generating a user health rating at least partially based on the transaction records.
    Type: Grant
    Filed: July 30, 2019
    Date of Patent: February 15, 2022
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Sukalyan Chakraborty, Nikhil Ghate, Santanu Deb Roy, Urjit Anand Khadilkar, Chanchal Ghosh
  • Patent number: 11244277
    Abstract: An address sign registration module receives and stores geo-locations and unique identifiers from a plurality of smart address signs wirelessly connected to the data communication network. Each address sign displays a physical address associated with a geo-location and comprises wireless transceiver. The order tracking module receives messages from the smart address signs upon arrival of orders associated with the geo-locations and, in response, predicts deliveries and fraud with artificial intelligence and sends messages to online purchase systems confirming delivery.
    Type: Grant
    Filed: February 12, 2021
    Date of Patent: February 8, 2022
    Inventors: Frank Harms, Jr., Frank Harms, III, Cuauhtemoc Val Alvarez, Mark Joseph Mendiola Tarmann, Jr.
  • Patent number: 11222350
    Abstract: Methods, apparatuses, and devices for processing a service, including computer programs encoded on computer storage media are provided. One of the methods includes: receiving an application sent from a user terminal of a first user comprising a commitment; verifying a credit value of the first user; in response to the credit value reaching a predetermined credit value, accepting the application of the first user; and in response to the first user failing to fulfill the commitment, triggering a balance compensation process to cause the first user to send a balance resource to the second user by a deadline.
    Type: Grant
    Filed: October 30, 2020
    Date of Patent: January 11, 2022
    Assignee: ADVANCED NEW TECHNOLOGIES CO., LTD.
    Inventors: Fengwei Wang, Huimei He, Yu Qu
  • Patent number: 11195199
    Abstract: A program controlled data-processing system and computer-based method for facilitating retail transactions based on a seamless translation of reward points into a suitable currency for purchase. In one embodiment, the present invention allows a user to utilize points without the traditional redemption restrictions or encumbrances associated with reward programs.
    Type: Grant
    Filed: May 19, 2020
    Date of Patent: December 7, 2021
    Assignee: RAKUTEN USA, INC.
    Inventor: Antoine El-Hage
  • Patent number: 11194924
    Abstract: A system includes profile control circuitry that may receive a sovereign onboarding command. The sovereign onboarding command may be issued on behalf of a sovereign associated with a profile. The sovereign onboarding command may update a status value in the profile. The profile may be recorded on a data-tamper-protected distributed ledger. Arbitration circuitry may review the recorded profile status value and ensure that status values are enforced against the sovereign during exchanges.
    Type: Grant
    Filed: July 17, 2020
    Date of Patent: December 7, 2021
    Assignee: ACCENTURE GLOBAL SOLUTIONS LIMITED
    Inventors: Patricia A. Miller, Scott W. Perkins, Shane R. Marshall, Peter Bidewell, Rodrigo Yukio Ieto
  • Patent number: 11176575
    Abstract: Information regarding display of selected content items in assigned slots is provided. The information is based on a selected template that includes areas for groups of slots for related content items, such as content items that are targeted to a common targeting object. Candidate content items, identified based on targeting or other distribution information, are assigned to selected slots to determine at least part of the information regarding display of the selected content items.
    Type: Grant
    Filed: September 9, 2019
    Date of Patent: November 16, 2021
    Assignee: Google LLC
    Inventors: Rajat Bhattacharjee, Aranyak Mehta, Benyu Zhang, Vivek Raghunathan
  • Patent number: 11151513
    Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically generating acquisition IDs and using them to track and record how products are identified, offered, and sold, as well as how customers respond to particular variations of product offers. The acquisition ID can be associated with any product sale, transaction completion, or account creation initiated using or otherwise identifying or associated with the acquisition ID, where the connection to the acquisition ID can be maintained and retained with ongoing records associated with the interaction and created account, transaction, and/or product purchase. Using the stored information and the acquisition IDs, an organization can precisely determine what products were sold using which marketing tactic, campaign, or channel through which the transaction occurred and/or was initiated, among others.
    Type: Grant
    Filed: January 21, 2020
    Date of Patent: October 19, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Adrian Bloy, Morgan Klein-MacNeil
  • Patent number: 11146119
    Abstract: New wireless power transmission, monetization, and incentivization techniques are disclosed. In some aspects of the invention, a system distributes wireless power from a power and information transmitting base station, through a network of intermediate wireless power enhancement and consumption devices, each of which may be independently owned and controlled. In some embodiments, the transmitted power is sourced from a variety of power providers. The system may assign invoices comprising monetary credits and debits, based on each device's use and/or enhancement of the wireless power provided through the network. In some embodiments, the system may determine monetary credits and debits based on the identity and/or owner of each device. In some embodiments, the system may determine monetary credits and debits based on one or more sources of wireless power. Other power storage and transmission techniques are also disclosed.
    Type: Grant
    Filed: July 14, 2020
    Date of Patent: October 12, 2021
    Inventor: Christopher V. Beckman
  • Patent number: 11093915
    Abstract: A system and method in accordance with example embodiments may include third party payments with non-integrated merchants. A system and method in accordance with example embodiments may utilize a plug in or application to intercept retailer data from a third party, analyze data, and present information to a customer based on the intercepted data and the analysis.
    Type: Grant
    Filed: November 25, 2019
    Date of Patent: August 17, 2021
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: David Aaron Pinski, Andrey L. Utis
  • Patent number: 11068818
    Abstract: According to some embodiments, a communication device database may store information about a plurality of communication devices, including at least one communication address associated with each communication device, wherein each communication device is associated with a resource unit. Moreover, a network based segmentation server may access information in a resource status database, automatically assign each resource unit to a resource segment based on at least one pre-determined algorithm and information in the resource status database, and transmit information about the resource segments.
    Type: Grant
    Filed: December 15, 2015
    Date of Patent: July 20, 2021
    Assignee: Hartford Fire Insurance Company
    Inventors: Wendy A. Wojdyl, Hope C McManus
  • Patent number: 11023261
    Abstract: Methods and systems for secure applications running web view applications are disclosed. In some aspects, user data may be secured within a first security domain, that is inaccessible to a web view application running within a second application. The second application accesses the user data via a second security domain, when a request is received from the web view application to display a user interface. The second application then displays a user interface based at least in part, on the user data.
    Type: Grant
    Filed: December 28, 2018
    Date of Patent: June 1, 2021
    Assignee: Snap Inc.
    Inventors: John Jensen, Dylan Shane Eirinberg, Alexander R. Osborne, William Wu
  • Patent number: 11017421
    Abstract: A method for linking alternative payment information with customer loyalty data includes obtaining a customer loyalty identifier associated with a customer, reading customer data from a database based on the obtained customer loyalty identifier, obtaining alternative payment information from the read customer data, determining whether payment by the alternative payment information is enabled for the customer loyalty identifier, prompting the customer to enable payment by the alternative payment information, prompting the customer for authorization information associated with payment by the alternative payment information, enabling payment by the alternative payment information for the customer loyalty identifier, and applying the alternative payment information to a current purchase of the customer.
    Type: Grant
    Filed: November 22, 2016
    Date of Patent: May 25, 2021
    Assignee: Worldpay, LLC
    Inventors: Scott Wayne DeAngelo, Dennis Kettler, Sayid Shabeer
  • Patent number: 11010710
    Abstract: An inventory management system includes one or more radio frequency identification (RFID) readers each configured to detect RFID labels attached to inventory items within a certain radius of the RFID reader. The one or more RFID readers are configured to automatically determine a directional movement of RFID labels and attached inventory items. A first computer server is configured to communicate, via a network connection, with one or more client devices, and also configured to receive data gathered by the one or more RFID readers. The first computer server is configured to maintain a real-time inventory status of the inventory items. The real-time inventory status includes a location of the one or more RFID labels, and further includes a current usage state of the attached inventory items. The first computer server is configured to transmit the real-time inventory status to a display of the client device.
    Type: Grant
    Filed: October 13, 2016
    Date of Patent: May 18, 2021
    Assignee: Ellsworth Corporation
    Inventors: Jeremy Richardson, Christina Gabrielson, James Hazen, Randall T. Witt
  • Patent number: 10990932
    Abstract: A computerized system is provided for generating a visual presentation for visually organizing one or more activities of a user, including consumers & vendors. The systems are directed to teaming up, calendaring, social networking, planning, E-COMMERCE for users, including vendors, consumers and enterprises.
    Type: Grant
    Filed: February 15, 2019
    Date of Patent: April 27, 2021
    Inventor: Sarah Photowat