Including Financial Account Patents (Class 705/14.17)
  • 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
  • Patent number: 10977674
    Abstract: This disclosure covers systems and methods that administer a digital survey to respondents who interact with a biometric sensor to collect and convert biometric data into behavioral and physical characteristics of the respondents. In certain embodiments, by converting biometric data into respondent characteristics, the disclosed systems and methods identify various unwritten or nonverbal responses of survey respondents who respond to a digital survey or who interact with a display medium that captures survey data. To facilitate review of respondents' characteristics and responses, in some embodiments, the disclosed systems and methods further categorize the converted respondent characteristics within a response database for the digital survey.
    Type: Grant
    Filed: April 28, 2017
    Date of Patent: April 13, 2021
    Assignee: QUALTRICS, LLC
    Inventor: Larry Dean Cheesman
  • Patent number: 10970735
    Abstract: Provided herein are systems, methods, and computer readable storage media for facilitating registration of consumers in merchant rewards programs. In providing such functionality, the system can be configured to, for example, receive input of various consumer data, determine if the consumer data has already been registered in a rewards program, and if a consumer is not registered, facilitate the registration of the consumer in a merchant rewards program.
    Type: Grant
    Filed: January 2, 2019
    Date of Patent: April 6, 2021
    Assignee: Groupon, Inc.
    Inventors: Ben Kim, Joshua Puckett, Andrey Zaytsev, Richard Park, Hemant Bhonsle
  • Patent number: 10956976
    Abstract: An electronic device obtains credit information of a user, where the credit information of the user is derived at least in part from a usage history of the user for a shared product. The electronic device inputs the credit information of the user to a recommendation model for calculation, where the recommendation model is a machine learning model. The electronic device derives, based on the recommendation model, a shared product use probability. The electronic device recommends the shared product to the user based on the shared product use probability.
    Type: Grant
    Filed: March 2, 2020
    Date of Patent: March 23, 2021
    Assignee: Advanced New Technologies Co., Ltd.
    Inventor: Qianyuan Li
  • Patent number: 10915950
    Abstract: An electronic device obtains credit information of a user, where the credit information of the user is derived at least in part from a usage history of the user for a shared product. The electronic device inputs the credit information of the user to a recommendation model for calculation, where the recommendation model is a machine learning model. The electronic device derives, based on the recommendation model, a shared product use probability. The electronic device recommends the shared product to the user based on the shared product use probability.
    Type: Grant
    Filed: March 2, 2020
    Date of Patent: February 9, 2021
    Assignee: Advanced New Technologies Co., Ltd.
    Inventor: Qianyuan Li
  • Patent number: 10915900
    Abstract: Techniques for leveraging a likelihood that a transaction (or a portion thereof) will be associated with a refund request to determine whether and/or how long to delay sending, to a payment service, a request for processing the transaction (or portion thereof) are described herein. In an example, a payment processing service may receive, from a point of sale device operated by a merchant, transaction data associated with a transaction between the merchant and a customer. The payment processing service may determine a likelihood that the customer will request a refund for a cost of an item of the transaction at a time after the transaction. Based at least partly on the likelihood, the payment processing service may determine whether to wait until at least the time before sending, to a payment service, a request to process the transaction data for at least the cost of the item.
    Type: Grant
    Filed: June 26, 2017
    Date of Patent: February 9, 2021
    Assignee: Square, Inc.
    Inventors: Michael Higgins, Ryder Moody
  • Patent number: 10915521
    Abstract: A blockchain gateway device and associated method of use for reconciling and insuring the consistency of integrated blockchain networks and legacy database-based systems. The blockchain gateway device and associated blockchain scheme harmonizes and reconciles the data elements from multiple independent blockchain databases.
    Type: Grant
    Filed: May 13, 2019
    Date of Patent: February 9, 2021
    Assignee: Syniverse Technologies, LLC
    Inventors: Olaf Funke, Guido Reissner
  • Patent number: 10897966
    Abstract: An electronic driver's license and ID bracelet that stores essential user information is disclosed. The electronic driver's license and ID bracelet stores user information that government(s) need to know, such as date of birth, driver's permit status, etc. The ID bracelet cannot be duplicated or altered within the civilian or private sector as is the case with contemporary personal identification, therefore the ID bracelet would be for government proprietary use.
    Type: Grant
    Filed: August 21, 2020
    Date of Patent: January 26, 2021
    Inventor: Emilia Dimitrova Piccolella
  • Patent number: 10867299
    Abstract: Disclosed herein are methods, devices, and apparatuses, including computer programs stored on computer-readable media, for providing transaction data to a blockchain system for processing. One of the methods includes: monitoring the transaction data in a computer system, wherein the transaction data include at least one of single-transaction data or multiple-transaction data; and based on the monitoring, asynchronously uploading the transaction data to the blockchain system.
    Type: Grant
    Filed: December 17, 2019
    Date of Patent: December 15, 2020
    Assignee: Advanced New Technologies Co., Ltd.
    Inventors: Long Cheng, Yanpeng Li
  • Patent number: 10834038
    Abstract: A real-time communication system includes a cloud server, multiple user devices having respective real-time communication software for communicating with the cloud server, and multiple dynamic expression rendering devices one-to-one communicating with the user devices respectively. A transmitting user device encodes and transmits a transmitter data, a receiver data and a dynamic expression ID of a selected dynamic expression. The cloud server decodes and transmits the transmitter data, the receiver data and the dynamic expression ID of the selected dynamic expression to a receiver user device. Based on the received dynamic expression ID, the real-time communication software of the receiver user device finds the dynamic expression.
    Type: Grant
    Filed: December 17, 2018
    Date of Patent: November 10, 2020
    Assignee: QUANTA COMPUTER INC.
    Inventors: Ming-Ju Tsai, Chieh-Sheng Ding, Hsin-Yi Cheng, Ming-Tsung Yen, Ching-Wen Wu
  • Patent number: 10825001
    Abstract: The MULTI-DIRECTIONAL WALLET CONNECTOR APPARATUSES, METHODS AND SYSTEMS (“W-CONNECTOR”) facilitates the enrollment of payment accounts in a consumer's virtual wallet. The consumer may be logged into their payment account issuer's web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet. The W-CONNECTOR may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet.
    Type: Grant
    Filed: June 13, 2019
    Date of Patent: November 3, 2020
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Thomas Purves, Shilpak Mahadkar, Tenni Theurer, Ayman Hammad
  • Patent number: 10776795
    Abstract: The systems may include receiving, by a processor, transaction information for a transaction, wherein the transaction information comprises a transaction amount; matching, by the processor, the transaction information with a transaction type; retrieving, by the processor, a plurality of possible charge types associated with the transaction type; comparing, by the processor, the transaction information with the plurality of possible charge types; separating, by the processor, the transaction amount of the transaction information into at least one individual charge amount; and/or identifying, by the processor, a charge type of the plurality of possible charge types associated with the at least one individual charge amount.
    Type: Grant
    Filed: February 10, 2017
    Date of Patent: September 15, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Amy L. Harbour, Michael A. Woods, Jane E. Cook, Michael Alexander Gonzales, Sachin Jadhav, Yogaraj Jeyaprakasam, Deepak Narayanan
  • Patent number: 10769654
    Abstract: A method, system, and computer readable media for offering to the user of a payment vehicle a rewards program personalized to the user and the user's financial goals. A payment vehicle is provided with integrated reserved funds accounts which user can use to save up for large purchases. By designating the purchase for which these funds will ultimately be used, the user can be provided with personalized rewards programs relevant to planned purchases.
    Type: Grant
    Filed: April 27, 2015
    Date of Patent: September 8, 2020
    Assignee: HRB Innovations, Inc.
    Inventors: Daniel D. Martin, Crystal Anderson
  • Patent number: 10762236
    Abstract: In particular embodiments, a data processing consent management system may be configured to utilize one or more age verification techniques to at least partially authenticate the data subject's ability to provide valid consent (e.g., under one or more prevailing legal requirements). For example, according to one or more particular legal or industry requirements, an individual (e.g., data subject) may need to be at least a particular age (e.g., an age of majority, an adult, over 18, over 21, etc.) in order to provide valid consent. Consent receipt management systems may be implemented in the context of any suitable privacy management system that is configured to ensure compliance with one or more legal or industry standards related to the collection and/or storage of private information. In particular embodiments, the system is configured to manage one or more consent receipts between a data subject and an entity.
    Type: Grant
    Filed: January 31, 2020
    Date of Patent: September 1, 2020
    Assignee: OneTrust, LLC
    Inventors: Jonathan Blake Brannon, Casey Hill, Kevin Jones, Richard A. Beaumont
  • Patent number: 10762522
    Abstract: Provided are a system and method for facilitating enrollment in a merchant loyalty program. In one example, the method includes receiving, from a merchant server, a request to enroll a digital wallet user in a merchant loyalty program, the request being input via a merchant website associated with the merchant server, verifying that the digital wallet user is an authorized user of the digital wallet via a window associated with the merchant website, and in response to verifying the digital wallet user is an authorized user, automatically transmitting previously stored information of the digital wallet to the merchant server for enrolling the digital wallet user in the merchant loyalty program. According to various aspects, secure data may be imported into a merchant loyalty program from a digital wallet account, thus simplifying the enrollment process on the user.
    Type: Grant
    Filed: December 14, 2016
    Date of Patent: September 1, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Steven Oshry, Michael T. McNamara
  • Patent number: 10740734
    Abstract: Crowd funding for innovation includes distributing a proposal with a description of a project idea, an amount of funds requested, and a time frame for raising the funds. Ownership of the project is transferred to an entity, which receives contributions from contributors and for each of the received contributions converts the contribution to a corresponding amount of virtual coin and adds the contribution to the funds. If the funding goal is complete within the time frame, the entity converts the coins to actual money and releases the money to the requestor. After completion of the project, the entity determines if the project is successful and can commercialize successful projects. For certain successful projects, the entity can also distribute the back funds to the contributors.
    Type: Grant
    Filed: May 15, 2015
    Date of Patent: August 11, 2020
    Assignee: 3M INNOVATIVE PROPERTIES COMPANY
    Inventors: Audrey A. Sherman, Robert R. Kieschke, Frank J. Sherman, Mario A. Perez, Raymond P. Johnston, Kandyce M. Bohannon
  • Patent number: 10740749
    Abstract: Embodiments of the disclosure enable one or more protection mechanisms to be managed using a digital wallet platform. Product data associated with a product is identified. The product data is analyzed to identify one or more potential protection mechanisms associated with the product. At least one protection mechanism is identified from the potential protection mechanisms, and the product is registered with a protection system such that the at least one protection mechanism provides protection for the product. A protection capsule corresponding to the at least one protection mechanism is generated. The protection capsule is accessible using a digital wallet. Aspects of the disclosure provide for utilizing the digital wallet for a plurality of functions including payment card management, financial account management, and protection mechanism management.
    Type: Grant
    Filed: June 1, 2016
    Date of Patent: August 11, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Pamela H Loscher, Wei Xu, Frank Charles Barbuto
  • Patent number: 10679237
    Abstract: The present disclosure provides systems and methods directed to a social-financial platform. In certain embodiments, sponsor-members, consumer-members, and beneficiary members are part of a social-financial platform in which purchases made by consumer-members at merchant sponsor-members result in automatic rebates being paid to and allocated between the consumer member and one or more beneficiary-members. Also disclosed is a monolithic financial structure for carrying out rebate allocation automatically and instantaneously, and for transferring funds between users.
    Type: Grant
    Filed: May 15, 2015
    Date of Patent: June 9, 2020
    Assignee: PayForward, LLC
    Inventors: Steve Marks, Armando Rand, James Saltmar, Armen Santourian, Ronnie Silos
  • Patent number: 10636059
    Abstract: In an embodiment, a system server receives, from a plurality of advertiser devices, a plurality of advertisements, at least one corresponding personal information value, and a corresponding price. The system server calculates, for each of a plurality of personal information types, a corresponding price. The system server instructs the message device to display the plurality of personal information types and the corresponding prices. The system server sends, to a first message account, a plurality of messages, in which each message includes a respective advertisement of the subset of advertisements. Then the system server determines an amount to pay the user based on the prices corresponding to the subset of advertisements, and increases an account balance by the amount to pay the user.
    Type: Grant
    Filed: March 20, 2017
    Date of Patent: April 28, 2020
    Inventor: Peter Newman Golder
  • Patent number: 10616357
    Abstract: Aspects of the disclosure relate to transforming event data associated with an entity using a multicomputer platform and directing a client computing device to perform a determined action based on a detected event characteristic of the event data and a detected current event. With some embodiments, an event tracking server detects the current event from sensed data provided by a sensed data server and identifies a correlation measure between the detected event characteristic and the detected current event. The event tracking server may direct one or more client computing devices to perform one or more actions related to an entity based on the correlation measure.
    Type: Grant
    Filed: August 24, 2017
    Date of Patent: April 7, 2020
    Assignee: Bank of America Corporation
    Inventors: Manu Kurian, Gopikrishna Nemalikanti, Jayachandra Varma, Abhishek Nagpal
  • Patent number: 10601775
    Abstract: At least initially blocking client download of certain content and injecting a user verification step for such downloads is disclosed. In some embodiments, client download of a response from a server to a client request is blocked, and instead a notification page with options to accept or decline the server response is provided to the client.
    Type: Grant
    Filed: August 10, 2016
    Date of Patent: March 24, 2020
    Assignee: Palo Alto Networks, Inc.
    Inventor: Huagang Xie
  • Patent number: 10572862
    Abstract: A method is provided. The method includes one or more of receiving an application for a card account from a consumer, authorizing the transfer of funds from a primary account to a secondary account, determining an available spending limit for the card account based on total accrued fractional earnings, approving one or more purchase transactions for the card account not greater than the available spending limit, and adjusting the available spending limit based on total accrued fractional earnings, a purchase balance, and the secondary account balance. The primary account stores earnings for the consumer and the secondary account includes a secondary account balance for storing funds to pay a card account statement balance. The primary and secondary accounts include one of separate accounts or a common account. Total accrued fractional earnings include a sum of fractional earnings and fractional earnings include a predetermined fraction of consumer earnings.
    Type: Grant
    Filed: February 1, 2018
    Date of Patent: February 25, 2020
    Assignee: Earned LLC
    Inventors: Timothy L. Robinson, Bradford R. Schildt
  • Patent number: 10558958
    Abstract: A system and method uses one or more repurposed data fields in a payment transaction message to pass the merchant consumable data from a mobile device to the merchant system using an existing channel. The merchant consumable data relate to loyalty or rewards.
    Type: Grant
    Filed: May 16, 2014
    Date of Patent: February 11, 2020
    Assignee: Visa International Service Association
    Inventors: Christian Flurscheim, Erick Wong, Oleg Makhotin
  • Patent number: 10552883
    Abstract: Systems and methods for administering merchant funded third-party administered rewards programs are provided. The system receives information about a transaction made using a payment device and determines whether the payment device is enrolled in the rewards program. If the payment device is enrolled in the rewards program, the system determines if the transaction qualifies for a reward. If the transaction qualifies for the reward, the system determines a rewards value for the transaction. Thereafter, the system determines a prepaid payment token associated with the payment device and instructs an issuer of the prepaid payment token to load the rewards value onto the prepaid payment token.
    Type: Grant
    Filed: March 15, 2018
    Date of Patent: February 4, 2020
    Assignee: Visa International Service Association
    Inventors: Jeanette Marie Yoder, Derek Alan Vroom, Mary Taylor
  • Patent number: 10528237
    Abstract: A system, method and program product are provided for system for processing a set of social media (SM) streams. A system is disclosed that includes: a user interface for selecting the set of SM streams and for inputting a set of filtering definitions; a stream unification system that creates a single unified stream from the set of SM streams; a content filtering system that selects relevant content items from the single unified stream based on the set of filtering definitions and generates a unified filtered SM stream using selected content items; and an output system that outputs the unified filtered SM stream to a user display.
    Type: Grant
    Filed: November 14, 2017
    Date of Patent: January 7, 2020
    Assignee: International Business Machines Corporation
    Inventors: James E. Bostick, John M. Ganci, Jr., Kimberly G. Starks, Craig M. Trim
  • Patent number: 10521814
    Abstract: The present disclosure relates to systems and methods for redeeming financial rewards for cash at an ATM. A customer inputs financial account credentials into an ATM, and these credentials are relayed to a financial institution computing system. The financial institution computing system then authenticates the customer by determining whether the input credentials match credentials stored in a database associated with the financial institution computing system. Once the customer is authenticated, the financial institution computing system polls the customer database and determines whether the customer has earned any rewards through usage of the financial account. Any available rewards are converted to a cash value and transmitted back to the ATM for view by the customer. Upon receipt of a customer indication that they wish to redeem the reward, the ATM is then configured to dispense the converted reward amount to the customer.
    Type: Grant
    Filed: December 29, 2016
    Date of Patent: December 31, 2019
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Megan Collins, Sarah W. Phelps, Matthew S. Rogers
  • Patent number: 10524165
    Abstract: Embodiments of the present invention provide a system for dynamic utilization of alternative resources based on token association. The system is typically configured for receiving a request from a user to generate a generic token for a digital wallet located on a mobile device of the user, generating the generic token and associating one or more resource credentials of the user with the generic token, transmitting the generic token to the mobile device of the user and storing the generic token in the digital wallet, receiving an interaction request from an authorization network to route an interaction, and routing the interaction to complete the interaction by selecting at least one resource credential from the one or more resource credentials associated with the generic token and transmitting the at least one resource credential to the authorization network.
    Type: Grant
    Filed: June 22, 2017
    Date of Patent: December 31, 2019
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Tracy Beth Greene, Frederika Zipporah Morris Angus, Emily Paige Bosin, Kathleen Miranda Brand, William Bradley Burks, Deepak Joseph, Karla Ramirez, Laura Elizabeth Randall
  • Patent number: 10521813
    Abstract: The invention relates generally to systems and methods for the non-public creation, distribution and redemption of incentive offers. More particularly, the system and method generates incentives based on parameters selectable by merchants. The system and method constructs non-public incentive offers that are delivered to one or more program registrants satisfying a designated targeting profile and associated with one or more electronic payment instruments. Incentive offers may be redeemed confidentiality by the program registrant tendering an electronic payment instrument satisfying the parameters of the incentive offer. The invention further relates to systems and methods for participants to exert control over the volume and kind of incentives received through the system and by third party entities.
    Type: Grant
    Filed: July 6, 2011
    Date of Patent: December 31, 2019
    Assignee: Groupon, Inc.
    Inventor: Michael D. Okerlund
  • Patent number: 10497020
    Abstract: An information processing system that acquires feedback information from a first user having viewed an advertising activity of a second user, the advertising activity including displaying advertising information on an information processing apparatus possessed by the second user; and updates profile information for determining an effectiveness of the advertising activity based on the received feedback information.
    Type: Grant
    Filed: May 27, 2014
    Date of Patent: December 3, 2019
    Assignee: SONY CORPORATION
    Inventors: Toshiyuki Kawamura, Manabu Kii, Yoshiki Takeoka, Akari Hoshi, Yasuhide Hosoda
  • Patent number: 10489815
    Abstract: A single code can be used only one time by each of multiple users. A user visits a merchant location and wants to sign up for a loyalty program. The merchant issues the user a one-time code, such as a QR code. The user connects to a loyalty program system to download the loyalty application. The user downloads the loyalty application and enters the code into the application. The user receives a “punch” for the loyalty program based on the code. The server operating on the loyalty program system verifies that the punch created is the first and only punch created by the one-time code. If the code has been previously used for the particular user, the server does not create an additional punch.
    Type: Grant
    Filed: January 18, 2012
    Date of Patent: November 26, 2019
    Assignee: GOOGLE LLC
    Inventors: Niket Desai, Reed Morse
  • Patent number: 10475060
    Abstract: A system includes a transaction handler, a data warehouse to store transaction data recording transactions processed at the transaction handler and to store account data identifying an account of a user, and a portal to receive a user selection of a first portion of an announcement of a reward. The portal tracks user interactions associated with the announcement to determine whether the user is qualified for the reward. Upon a determination that the user has completed the user interactions for the reward, the transaction handler provides the reward to the account of the user via statement credit.
    Type: Grant
    Filed: December 16, 2016
    Date of Patent: November 12, 2019
    Assignee: Visa International Service Association
    Inventors: Mark Carlson, Patrick Stan, John Hamilton MacIlwaine
  • Patent number: 10466874
    Abstract: A mobile media device user interface is described. In one or more implementations, output of a plurality of audio content is monitored by a mobile media device. Each of the audio content was received via a respective one of a plurality of broadcast channels by the mobile media device. A user interface is displayed on a display device of the mobile media device, the user interface describing each of the plurality of audio content and the respective broadcast channel from which the audio content was received.
    Type: Grant
    Filed: January 26, 2018
    Date of Patent: November 5, 2019
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Jeffrey C. Fong, D. Graham Stinson, Miguel Guerrero
  • Patent number: 10453088
    Abstract: A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The enrolled card member customer database includes transaction accounts of card member customers enrolled in a loyalty incentive program. The enrolled merchant database includes a list of merchants participating in the loyalty incentive program. The participating merchant offer database includes loyalty incentive offers from participating merchants. The registered card processor receives a record for charge for a purchase made with an enrolled merchant by an enrolled card member customer and uses the record of charge to determine whether the purchase qualifies for a rebate credit in accordance with a discount offer from the enrolled merchant.
    Type: Grant
    Filed: July 21, 2016
    Date of Patent: October 22, 2019
    Inventors: Ruth L. Aloni, Benzion T. Axelrod, Jean L. Bowman, Jack J. Funda, Jonathan S. Polon, Sripriya V. Tiku
  • Patent number: 10430821
    Abstract: A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The enrolled card member customer database includes transaction accounts of card member customers enrolled in a loyalty incentive program. If the purchase qualifies for a rebate credit, the registered card processor provides the rebate credit to an account of the enrolled card member customer. The registered card processor also provides for electronic notification of rewards offers or credit to prepaid cards, in response to purchases conforming to a specific set of merchant criteria. The system provides a coupon-less way for merchants to provide incentive discounts and/or credits to enrolled customers, along with notifying customers of other available incentive offers.
    Type: Grant
    Filed: June 28, 2016
    Date of Patent: October 1, 2019
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: David Wolf, Sripriya V. Tiku, Scott M. Roen, Jennifer M. Russo
  • Patent number: 10380625
    Abstract: Technologies for attributing purchases to a targeted marketing campaign include associating a captured payment card number and a captured cardholder identifier with a globally unique identifier. Additional payment card numbers related to the captured payment card number are associated with the globally unique identifier. A cardholder-specific marketing message associated with a targeted marketing campaign is transmitted to the captured cardholder identifier based on the globally unique identifier. The targeted marketing campaign is for an advertised product, which corresponds to a product identifier. A purchase transaction is attributed to the targeted marketing campaign in response to determining that a payment card number associated with the purchase transaction matches any of the payment card numbers associated with the globally unique identifier and determining that a product identifier corresponding to a purchased product of the purchase transaction is associated with the targeted marketing campaign.
    Type: Grant
    Filed: June 9, 2015
    Date of Patent: August 13, 2019
    Assignee: Worldpay, LLC
    Inventor: Thirunarayanan Srinivasan
  • Patent number: 10354240
    Abstract: The MULTI-DIRECTIONAL WALLET CONNECTOR APPARATUSES, METHODS AND SYSTEMS (“W-CONNECTOR”) facilitates the enrollment of payment accounts in a consumer's virtual wallet. The consumer may be logged into their payment account issuer's web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet. The W-CONNECTOR may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet.
    Type: Grant
    Filed: December 12, 2017
    Date of Patent: July 16, 2019
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Thomas Purves, Shilpak Mahadkar, Tenni Theurer, Ayman Hammad
  • Patent number: 10304075
    Abstract: In a non-transitory computer-readable storage medium having instructions embodied therein that when executed cause a mobile device to perform a method for providing mobile loyalty services via a single native mobile application. The method comprises enabling browsing of retail items of a first party via the single native mobile application executing on the mobile device, wherein the browsing is not required to be web-based browsing, and wherein the native mobile application is provided by a second party. Mobile payment for the retail items are provided via the single native mobile application. Mobile marketing is provided to a user of the mobile device by the single native mobile application.
    Type: Grant
    Filed: August 31, 2015
    Date of Patent: May 28, 2019
    Assignee: Comenity LLC
    Inventors: James Walz, David Nack, Randall Piatt, Adam Koltnow
  • Patent number: 10299124
    Abstract: Disclosed is a 5G or pre-5G communication system for supporting a data transmission rate higher than that of a 4G communication system such as LTE. Disclosed is a method for providing a data service in a global virtual network provider of a wireless communication system, comprising the steps of: determining a wireless network for providing a data service on the basis of at least one of a service type, service quality, and price information required by a user; and transmitting, to a terminal, wireless network information including the determined wireless network, wherein the terminal and the determined wireless network are temporarily connected before the wireless network is determined.
    Type: Grant
    Filed: April 28, 2016
    Date of Patent: May 21, 2019
    Assignee: Samsung Electronics Co., Ltd.
    Inventors: Ki-Suk Kweon, Ji-Cheol Lee, Hyung-Ho Lee, Ha-Kyung Jung
  • Patent number: 10292008
    Abstract: A system for generating a customized communication with a customer is described, and includes: a near field communication (NFC) reader for receiving, from the customer, a request for an interaction; an input device for receiving an input from the customer, wherein the input includes a customer credential; a processor for: receiving a request, from a near field communication (NFC) enabled device, for an interaction with a customer; requesting a valid customer credential from the customer; receiving an input from the customer in response to a request for the valid customer credential to achieve a received customer credential; determining a validity of the received customer credential; and generating, after the determining the validity of the received customer credential, client information customized for the customer based upon a customer account linked to a determined valid customer credential to achieve a generated customized client information.
    Type: Grant
    Filed: February 19, 2015
    Date of Patent: May 14, 2019
    Assignee: Comenity LLC
    Inventors: David Nack, James Walz
  • Patent number: 10251090
    Abstract: Systems and methods for modifying a wireless communication object during transit. One method includes transmitting, by a loop antenna within a first reader at a first location within a transit system, an interrogation signal to the wireless communication object. The wireless communication object may receive the interrogation signal, modulate an electromagnetic wireless signal with information identifying the electromagnetic wireless object, and transit the electromagnetic wireless signal. The first reader may receive, using the loop antenna, the electromagnetic wireless signal at a first time and a first tap of the wireless communication object may be registered. In response to registering the first tap, a first amount of units on the wireless communication object may be held as unavailable. For each passage of a predetermined amount of time after the first time, a virtual tap of the wireless communication object may be registered at an update time.
    Type: Grant
    Filed: March 13, 2018
    Date of Patent: April 2, 2019
    Assignee: Cubic Corporation
    Inventors: Gavin Smith, Gavin Bennett
  • Patent number: 10223708
    Abstract: A mobile rewards real-time redemption system allows members of programs to use a mobile rewards redemption application via their mobile device to redeem currency or points. A ‘ghost’ credit/debit vehicle (account) is used to redeem the rewards currency or points. The ghost card completes the financial transaction which is, from the perspective of a redemption retailer, a conventional card transaction.
    Type: Grant
    Filed: October 21, 2013
    Date of Patent: March 5, 2019
    Inventor: Carlo Pirillo
  • Patent number: 10210716
    Abstract: A user employs a secure sign-in process via a portable device such as a smartphone to enter an app loaded into the smartphone. The user enters a personal identification number (PIN) in order to access a financial network via the app in order to request cash to be dispensed from a remote cash dispensing location such as a merchant. The network coordinates the functions of recognizing the user's requirements, keeping real-time information of participation and of amounts available from merchants, and settling commercial transactions via a clearinghouse. The user is informed of locations of merchants within a preselected distance, and selects a merchant. The system provides the merchant authentication criteria and the user provides identification information for comparison to the criteria. Authentication to the network is done without furnishing a credit card. When authorization is granted, a user is only granted a one-time token for access. This structure facilitates PCI compliance.
    Type: Grant
    Filed: December 2, 2015
    Date of Patent: February 19, 2019
    Inventor: D'Ontra Hughes
  • Patent number: 10192231
    Abstract: A mobile device transaction system provides a mechanism by which a user of a mobile device may complete a transaction (for goods or services) with a merchant, using an electronic gift card, or other payment type, generated by through the transaction system and chosen to bypass payment using an authorized credit card, where the user is incentivized to use the mobile device transaction system by the award of rewards points to a user account at the time of the transaction.
    Type: Grant
    Filed: July 1, 2013
    Date of Patent: January 29, 2019
    Assignee: UNITED AIRLINES, INC.
    Inventors: David Oppenheim, Praveen Sharma
  • Patent number: 10181238
    Abstract: The present invention provides a gamification platform to provide one or more gamification services to one or more users in an enterprise. In accordance with an embodiment, the gamification platform includes a server, an application component, a consumer component and a DB layer, wherein said components and the DB layer are communicably coupled to the server. The application component provides a unified and an integrated gamification mechanics across one or more enterprise applications and comprises a tracker, a rule engine and a recommendation engine. The consumer component is configured to support one or more types of client applications. The DB layer is configured to manage and manipulate data in underlying database. The gamification platform further allows one or more users to virtually engage in accomplishing one or more target activities as a team and publishes the one or more gamification services in a user interface of the client application.
    Type: Grant
    Filed: September 22, 2014
    Date of Patent: January 15, 2019
    Assignee: Infosys Limited
    Inventor: Sudhanshu Hate
  • Patent number: 10134220
    Abstract: A system and method for authorizing access to goods and/or services at a point of sale is disclosed. An access voucher may be issued and presented to a reading means of the point of sale. At least one good and/or service of the point of sale can be selected by the user and the corresponding identification can be transferred to the internal processing unit. A comparison can be performed. If the transferred identification of the user matches an identification of the user, and if the transferred identification of the goods and/services matches an identification of the goods/and services, the user profile data and the access parameter can be retrieved. An authorization can be transferred to the point of sale if the user profile data correspond to the access parameter for the goods and/or services.
    Type: Grant
    Filed: May 7, 2014
    Date of Patent: November 20, 2018
    Assignee: MICROTRONIC AG
    Inventor: Bernard Wahli
  • Patent number: 10068243
    Abstract: A computer-implemented method for processing a discount is described. The method is implemented using a payment processor computing device associated with a payment network. The method includes receiving, at the payment processor computing device, from a discount module computing device, a notification of an adjusted authorization amount for a transaction, wherein the notification is received by the discount module computing device from an intercept node computing device at the time a cardholder makes a purchase. The method also includes receiving, at the payment processor computing device, an authorization request message including a non-adjusted authorization amount for the transaction, replacing the non-adjusted authorization amount with the adjusted authorization amount in the authorization request message, and transmitting the authorization request message to an issuer computing device.
    Type: Grant
    Filed: November 19, 2014
    Date of Patent: September 4, 2018
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Jonathan Robert Powell
  • Patent number: 10007915
    Abstract: A communications system for financial transactions, such as payment transactions made via credit accounts, debit accounts, prepaid accounts, bank accounts, stored value accounts and the like, is enhanced and/or used to support reward transactions. Thus, the reward communications can be processed as transactions over the communications system in a way similar to and/or together with credit/debit transactions.
    Type: Grant
    Filed: January 23, 2012
    Date of Patent: June 26, 2018
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Shantnu Singh, Michael Dreyer, Peter Ciurea, James Alan VonDerheide, Edward W. Fordyce, III
  • Patent number: 10007923
    Abstract: A system and method for providing promotional rewards is provided. First, a promotional reward is communicated to a customer. The promotional reward offer comprises a promotional reward associated with one or more promotional reward-earning behaviors and a promotional time frame. The offer may specify a customer population, and the customer may be enrolled in the promotional reward program if the customer is determined to be in the population. The customer is credited a promotional reward if the customer accomplishes the promotional reward-earning behavior(s) within the promotional time frame. The customer may also be enrolled in a base reward program. The promotional rewards and base rewards may be accumulated in a customer account. A system for implementing a promotional rewards program is also provided.
    Type: Grant
    Filed: June 15, 2015
    Date of Patent: June 26, 2018
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Bradley R. Strock, Lynn Hooper, Eugene M. Glavin, Beth L. Bressler
  • Patent number: 10002366
    Abstract: The present subject discloses systems and methods for processing transaction payments. More specifically, the present subject discloses systems and methods in which transactions are processed for payment from any of a plurality of applicable purses associated with an account, wherein the plurality of purses include values defined by: currency; SKUs; discounts; conditional values; loyalty points; or other non-standard currencies and/or various combinations thereof.
    Type: Grant
    Filed: December 12, 2013
    Date of Patent: June 19, 2018
    Assignee: CARDFREE, INC.
    Inventor: Darren Beyer
  • Patent number: 9992547
    Abstract: Provided are a method for adjusting backlight brightness of a television by a box and a box for adjusting backlight brightness of a television. The box includes a user interface controlling module and a command transmitting module. The method includes: triggering the user interface controlling module in response to a signal input from the outside; and the command transmitting module transmitting an adjusting command to the television. The method and the box according to embodiments of the present disclosure can adjust the backlight brightness of a television by interaction between a box and the television based on the user's need.
    Type: Grant
    Filed: January 6, 2016
    Date of Patent: June 5, 2018
    Assignees: BOE TECHNOLOGY GROUP CO., LTD., BEIJING BOE MULTIMEDIA TECHNOLOGY CO., LTD.
    Inventors: Caixia Guo, Qinqin Cao, Wanli Xu, Bendeng Lv