Including Financial Account Patents (Class 705/14.17)
  • 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
  • Patent number: 9953352
    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: September 9, 2010
    Date of Patent: April 24, 2018
    Assignee: Visa International Service Association
    Inventors: Jeanette Marie Yoder, Derek Alan Vroom, Mary Taylor
  • Patent number: 9940635
    Abstract: Provided herein are systems, methods and computer readable media for managing a sales pipeline, and in some embodiments, calculating supply based on travel propensity. An example method comprises identifying a total demand for a promotion tuple at a geographic location, determining, using a processor, a promotion area for the promotion tuple, the promotion tuple comprising at least a category, price information and a geographic area, identifying one or more promotions offered by a promotion and marketing service that comprise at least the category and the price information of the promotion tuple, determining whether the total demand for the promotion tuple at the geographic location is satisfied, wherein the total demand is satisfied in an instance in which the geographic location is within the promotion area for the one or more promotions, and identifying a demand gap in an instance in which the total demand for the promotion tuple at the geographic location is not satisfied.
    Type: Grant
    Filed: June 26, 2014
    Date of Patent: April 10, 2018
    Assignee: Groupon, Inc.
    Inventors: Shafiq Shariff, Derek Nordquist
  • Patent number: 9928520
    Abstract: Embodiments of the invention are directed to systems, methods and computer program products for reverse couponing. An exemplary apparatus is configured to determine user information and account information associated with a user; adjust offer information associated with an offer based on the user information and the account information, wherein the offer enables the user to receive at least one of a discount or a rebate on a purchase from a merchant; and transmit the adjusted offer to the user.
    Type: Grant
    Filed: June 15, 2016
    Date of Patent: March 27, 2018
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Srinath Nagarajan, Matthew Laine Donlan
  • Patent number: 9919198
    Abstract: A system for providing automated exercise management includes: a motion sensor configured to be worn by a user during a prescribed exercise routine and to sense motion of the user's body during the performance of the prescribed exercise routine; a first wireless communication interface communicatively coupled to the motion sensor; and a user computing device having a second wireless communication interface configured to communicate with the first wireless communication interface communicatively coupled to the motion sensor; wherein the user computing device comprises a processor, a memory and an application, wherein the application is configured to provide instruction to the user regarding performance of the prescribed exercise routine; receive data from the motion sensor worn by the user, the data indicative of the user's performance of the prescribed exercise; and record the user's performance of the exercise as indicated by the received data.
    Type: Grant
    Filed: November 11, 2013
    Date of Patent: March 20, 2018
    Assignee: Breg, Inc.
    Inventors: Steven Robert Romeo, Geoffrey Scott Siegel, Robert Allyn Haywood, Jr., David R. Brengle
  • Patent number: 9917951
    Abstract: Methods and systems for routing calls based on a minimum expected delay, classification, and priority of the call are provided. In some embodiments, when a call is received, the call is classified and prioritized within the classification. A minimum expected delay time is determined. Based on the minimum expected delay time, the classification, and the prioritization, the call is routed to a representative with instructions on how the call should be treated.
    Type: Grant
    Filed: September 9, 2016
    Date of Patent: March 13, 2018
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Peter H. McKenna, Darrius M. Jones, Kory Michael Upton, Enrique Tamayo, Allen J. Guidry, Julio Estevez-Breton
  • Patent number: 9912601
    Abstract: A system for establishing communication interfaces in an information technology infrastructure includes a database configured on a server and storing identifiers to each of a plurality of information reporting accounts corresponding to subscriber accounts maintained on a first remote server. The system includes a first interface to receive, via a first network, data about usage of each subscriber's account maintained by the first remote server, wherein the first interface is configured to store the data to the database. The server is configured to identify a second remote server to obtain data about credits to apply and responsive to a predetermined event, establish a connection with the second remote server via a second interface. The second interface is configured to receive, via a second network, for one or more of the information reporting accounts, data about rewards credited and maintained by the second remote server.
    Type: Grant
    Filed: October 22, 2015
    Date of Patent: March 6, 2018
    Assignee: NEIGHBOR MARKETING, INC.
    Inventor: Paul Harkins
  • Patent number: 9870570
    Abstract: A system and method are disclosed to negotiate for wireless services. A system that incorporates teachings of the present disclosure may include, for example, a method that operates in a communication device for commercially negotiating with a service provider for wireless services offered by way of a wireless access point (WAP) managed by the service provider. Alternatively, the system may include a method that operates in a wireless services management system (WSMS) for commercially negotiating with the communication device operated by the end user for wireless services offered by way of a WAP managed by the WSMS. Additional embodiments are disclosed.
    Type: Grant
    Filed: July 22, 2013
    Date of Patent: January 16, 2018
    Assignee: AT & T Intellectual Property I, LP
    Inventor: Juan Cordoba
  • Patent number: 9767436
    Abstract: A system and method for facilitating mentoring in an enterprise. An example method includes establishing a set of candidate mentors and a set of candidate mentees; providing a first user option to match a candidate mentor with a candidate mentee from the set of candidate mentors and the set of candidate mentees, respectively, yielding a mentor and an associated mentee in response thereto; selectively tracking a first performance parameter of the mentee over an interval during which a mentoring relationship exists between the mentor and the mentee and providing an indication of a change in the first performance parameter over time; and providing a second user option to initiate an action in response to the indication. The action may include initiating an adjustment in compensation for the mentee or mentor when the indication indicates a particular improvement in one or more performance parameter(s).
    Type: Grant
    Filed: May 3, 2011
    Date of Patent: September 19, 2017
    Assignee: Oracle International Corporation
    Inventors: Kathi Lynn Chenoweth, Marcelyn Van Houten, Louise Diana Barnfield, Klaus Borho
  • Patent number: 9754321
    Abstract: A method for enhancing credit of a cardholder of a pre-paid card may include issuing a pre-paid card to a cardholder. The cardholder may be charged a fee to establish a credit instrument associated with an account and the pre-paid card. The cardholder may be billed a portion of the credit instrument that includes the fee on a periodic basis, where the billing may be independent of billing for purchases of goods and services with the pre-paid card. A determination as to whether the cardholder timely paid the bill. If the cardholder timely paid the bill, then the payment may be recorded as being timely paid. Otherwise, a recording may be made that the bill was not timely paid. A reporting as to the timeliness of the payment may be made to affect a credit score of the cardholder.
    Type: Grant
    Filed: January 6, 2014
    Date of Patent: September 5, 2017
    Assignee: Eufora LLC
    Inventor: Tommy Constantine
  • Patent number: 9754278
    Abstract: The systems, methods, and computer program products (collectively “systems”) described herein are generally configured to monitor actions in digital channels. More specifically, the systems are capable of initiating purchases in a broadcast channel. The systems are capable of syncing transaction accounts with various digital channels. Moreover, the systems are capable of initiating or completing transaction based on user information. The systems may also be capable of providing rewards based on activities or accomplishments in the digital channels. Moreover, the systems may be capable of verifying activities based on transaction information.
    Type: Grant
    Filed: May 7, 2013
    Date of Patent: September 5, 2017
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Kathleen King, Matthew Miller, Sathish Muthukrishnan, Philip Norman, Anthony Prentice, Stephanie Schultz, Elizabeth Vakil, David Wolf
  • Patent number: 9684909
    Abstract: The system provides location based coupon-less offers based upon a location of a card member (CM). A location of a CM may be determined based upon one or more of a travel itinerary, a GPS signal, a proximity of a mobile communication device to a cellular base station, and/or a zip code. An offer from a merchant registered to provide coupon-less offers may be transmitted to a mobile communication device based upon the location. An offer, once accepted by a CM, may be matched to a record of charge associated with a transaction account held by the CM. A credit may be applied to the CM's transaction account and a debit may be applied to a transaction account of the registered merchant. One or more offer categories and/or one or more offer category classes may be transmitted to the mobile communication device based upon the CM's location.
    Type: Grant
    Filed: May 8, 2012
    Date of Patent: June 20, 2017
    Assignee: American Express Travel Related Services Company Inc.
    Inventors: Miles Baker, Diane Derocher, Sastry VSM Durvasula, Sherree Newhouse, Manjushri H. Puranik, Sripriya V. Tiku
  • Patent number: 9679277
    Abstract: Disclosed herein are systems, methods, and computer-readable storage media for redeeming a closed loop card/code funded with an amount of money. The system receives, at a merchant, an indication from a consumer of a desire to sell a closed loop account not issued by the merchant and receives a confirmation, via a computing device, of an amount of money in the closed loop account. The system presents the consumer with an offer to buy the closed loop account and receives from the consumer an acceptance of the offer. The system processes the closed loop account to yield a processed closed loop account such as by transferring the account to one of the merchant and an entity and applies a benefit to the consumer based on the processed closed loop account.
    Type: Grant
    Filed: August 29, 2014
    Date of Patent: June 13, 2017
    Assignee: GiftCodes.com, LLC
    Inventors: Jason Wolfe, Mark Romanelli, Sanjay Akut, Mike Kelly, Mary Jane Kelly
  • Patent number: 9672504
    Abstract: A consumer at a POS is able to obtain instant credit from a third party payment provider by providing identification information, such as from a driver's license, through a sales associate at the POS and by providing directly the last four digits of the consumer's social security number (SSN). When the consumer wants to make subsequent purchases through the payment provider, the sales associate need only enter the consumer's last name, zip code, and date of birth for the payment provider to locate and retrieve the consumer's account. The consumer may then enter the last four digits of the consumer's social security number, such as into a PIN pad at the POS, and have the information processed by the payment provider.
    Type: Grant
    Filed: February 16, 2012
    Date of Patent: June 6, 2017
    Assignee: PAYPAL, INC.
    Inventor: Sean Zito
  • Patent number: 9665880
    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 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. 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 system provides a coupon-less way for merchants to provide incentive discounts to enrolled customers.
    Type: Grant
    Filed: May 21, 2012
    Date of Patent: May 30, 2017
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Ruth L. Aloni, Benzion T. Axelrod, Jean L. Bowman, Jack J. Funda, Jonathan S. Polon, Sripriya V. Tiku
  • Patent number: 9665879
    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 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. 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 system provides a coupon-less way for merchants to provide incentive discounts to enrolled customers.
    Type: Grant
    Filed: May 9, 2012
    Date of Patent: May 30, 2017
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Ruth L. Aloni, Benzion T. Axelrod, Jean L. Bowman, Jack J. Funda, Jonathan S. Polon, Sripriya V. Tiku
  • Patent number: 9613361
    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: August 16, 2010
    Date of Patent: April 4, 2017
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: David Wolf, Sripriya V. Tiku, Scott M. Roen, Jennifer M. Russo
  • Patent number: 9609002
    Abstract: A system may receive a request to access user sponsored media content (“media content”), the request including a digital token (“token”), the media content being associated with a user sponsored account (“account”), and the account being associated with unused data from a mobile communications service plan, where the account and the mobile communications service plan are associated with a user. The system may identify token information included in the token. The system may compare the token information with stored token information. The system may determine that the token is valid based on the token information matching the stored token information. The system may provide access to the media content based on the token being valid. The system may provide information to cause data charges, for traffic flow associated with access to the media content, to be charged against the unused data associated with the account.
    Type: Grant
    Filed: August 20, 2015
    Date of Patent: March 28, 2017
    Assignee: VERIZON PATENT AND LICENSING INC.
    Inventors: Dahai Ren, Ming Chen
  • Patent number: 9582786
    Abstract: Machine learning models are used for ranking news feed stories presented to users of a social networking system. The social networking system divides its users into different sets, for example, based on demographic characteristics of the users and generates one model for each set of users. The models are periodically retrained. The news feed ranking model may rank news feeds for a user based on information describing other users connected to the user in the social networking system. Information describing other users connected to the user includes interactions of the other users with objects associated with news feed stories. These interactions include commenting on a news feed story, liking a news feed story, or retrieving information, for example, images, videos associated with a news feed story.
    Type: Grant
    Filed: July 29, 2011
    Date of Patent: February 28, 2017
    Assignee: Facebook, Inc.
    Inventors: Max Gubin, Wayne Kao, David Vickrey, Alexey Maykov
  • Patent number: 9558505
    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: August 16, 2010
    Date of Patent: January 31, 2017
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: David Wolf, Sripriya V. Tiku, Scott M. Roen, Jennifer M. Russo
  • Patent number: 9530128
    Abstract: Techniques and arrangements for authorizing a payment instrument by capturing an image of the payment instrument at a point-of-sale (POS) device and uploading the image to a payment service, which performs optical character recognition (OCR) on the image to identify an identifier of the payment instrument. The payment service may then use the identifier to authorize the payment instrument for a cost of a transaction performed at the POS device.
    Type: Grant
    Filed: August 8, 2014
    Date of Patent: December 27, 2016
    Assignee: Square, Inc.
    Inventors: Joachim Bekmann, Nathan David Spindel, Rong Yan
  • Patent number: 9489680
    Abstract: The system provides location based coupon-less offers based upon a location of a card member (CM). A location of a CM may be determined based upon one or more of a travel itinerary, a GPS signal, a proximity of a mobile communication device to a cellular base station, and/or a zip code. An offer from a merchant registered to provide coupon-less offers may be transmitted to a mobile communication device based upon the location. An offer, once accepted by a CM, may be matched to a record of charge associated with a transaction account held by the CM. A credit may be applied to the CM's transaction account and a debit may be applied to a transaction account of the registered merchant. One or more offer categories and/or one or more offer category classes may be transmitted to the mobile communication device based upon the CM's location.
    Type: Grant
    Filed: February 4, 2011
    Date of Patent: November 8, 2016
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Miles Baker, Diane Derocher, Sastry V S M Durvasula, Sherree Newhouse, Manjushri H. Puranik, Sripriya V. Tiku
  • Patent number: 9430773
    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 18, 2007
    Date of Patent: August 30, 2016
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Ruth L. Aloni, Benzion T. Axelrod, Jean L. Bowman, Jack J. Funda, Jonathan S. Polon, Sripriya V. Tiku
  • Patent number: 9412102
    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: August 23, 2012
    Date of Patent: August 9, 2016
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: David Wolf, Sripriya V. Tiku, Scott M. Roen, Jennifer M. Russo
  • Patent number: 9367873
    Abstract: A system, method and article of manufacture are provided for account and customer creation in an online banking model. An application is received from a customer. The application includes information relating to the user and also documentation relating to the user. A first computer is utilized to create a profile for the customer based on the application received from the customer. The first computer is also utilized to create an account for the customer. Information relating to the created profile and account is transmitted from the first computer to a second computer where a notification is generated. The notification indicates that the account has been created. The notification is transmitted from the second computer to the customer utilizing a network.
    Type: Grant
    Filed: March 26, 2014
    Date of Patent: June 14, 2016
    Assignee: Accenture Global Services Limited
    Inventors: Kennard L. Wottowa, Michael Henry, William E. Storts
  • Patent number: 9361634
    Abstract: Disclosed herein are systems, methods, and computer-readable storage media for redeeming a closed loop card/code funded with an amount of money. The system receives from a merchant point of sale an indication of use of a closed loop card/code not issued by the merchant and presented by a consumer, queries and receives a confirmation of an amount of money in an account associated with the closed loop card/code, presents the consumer with an offer to buy the closed loop card/code at a discount price, and upon accepting the offer, closes out the closed loop card/code and pays the discount price to the consumer. Paying the discount price can include applying the discount price to a purchase by the consumer at the merchant. The merchant can provide cash back to the consumer for excess value of the discount price over the consumer's purchase. Merchants can apply more than the discount price.
    Type: Grant
    Filed: August 29, 2014
    Date of Patent: June 7, 2016
    Inventors: Jason Wolfe, Mark Romanelli, Sanjay Akut, Mike Kelly, Mary Jane Kelly
  • Patent number: 9235857
    Abstract: Exemplary embodiment of the present invention would provide systems, including Internet-based systems, and computer-implemented methods, for providing online Buyers and Sellers who physically transact an exchange of an item at a local meeting place, indicia of confirmation of the exchange on which to base a background online payment. In particular, exemplary embodiments of the present invention would provide a way for Buyers and/or Sellers to input an identifier for online authentication to confirm that a physical exchange of an item sold had been transacted and that would accordingly provide an online system with a basis to charge the relevant Buyer's account for a sale amount and pay the Seller for the item sold.
    Type: Grant
    Filed: March 13, 2013
    Date of Patent: January 12, 2016
    Assignee: BOOM! PAYMENTS, INC.
    Inventor: Erik T. Bogaard
  • Patent number: 9030523
    Abstract: Real-time interactive broadcast sessions for client devices include: for each client device in the interactive broadcast session, configuring downstream video and audio ports for the interactive broadcast session between a central controller and the client device; receiving from each client device a selected broadcaster corresponding to a broadcaster flow control signal; in response to receiving the selected broadcaster from each client device, sending video and audio streams of the selected broadcaster to each client device over the interactive broadcast session; receiving a request from a given client device on the interactive broadcast session to interact with the selected broadcaster; configuring upstream and downstream video ports for one-to-one video chat session between the central controller and the given client device; and sending the video and audio streams of the given client device, and the video and audio streams of the selected broadcaster, to each client device over the interactive broadcast se
    Type: Grant
    Filed: August 27, 2014
    Date of Patent: May 12, 2015
    Inventor: Shah Talukder
  • Publication number: 20150127441
    Abstract: A system and method are disclosed for applying a rebate or promotion associated with a transaction account. Offer information representing an offer for a promotion or rebate provided to a purchaser is received, and at least some of the offer information is processed to associate the purchaser with at least one transaction account. Account information representing the at least one transaction account associated with the purchaser is transmitted to a computing device associated with the first party. Transaction information representing a transaction associated with the offer information and the account information is received from a computing device associated with the first party or a second party, and is processed to associate the transaction with the transaction account associated with the purchaser and the promotion or rebate. The rebate or promotion is applied as a function of the transaction information.
    Type: Application
    Filed: November 4, 2013
    Publication date: May 7, 2015
    Applicant: MasterCard International Incorporated
    Inventor: Jason A. Feldman