Frequent Usage Incentive System (e.g., Frequent Flyer Miles Program, Point System, Etc.) Patents (Class 705/14.27)
  • Patent number: 10692103
    Abstract: Systems and methods are provided for a digital social media platform that enables embedding of hashtags in user generated content uploaded to the digital social media platform and a secure tracking of the embedded hashtags to create user specific loyalty identifiers. In one aspect, a method includes receiving media content and at least one set of metadata, each set of metadata identifying information associated with a corresponding element within the media content; generating a hashtag for the corresponding element based on a corresponding set of metadata; embedding the hashtag within the media content; publishing the media content with at least one embedded hashtag; tracking engagements of one or more users with the media content having the at least one embedded hashtag to yield a set of statistics; and generating a user specific loyalty identifier for a user associated with the media content, based on the set of statistics.
    Type: Grant
    Filed: March 3, 2019
    Date of Patent: June 23, 2020
    Assignee: MESPOKE, LLC
    Inventor: S. Khurrum Hasan
  • Patent number: 10685392
    Abstract: Items within an item universe or item repository can be associated with subscription options. A subscription visualization user interface can allow a user to visualize subscription costs over a particular time window and within certain display time periods so that better cost transparency can be achieved. Cost transparency and cost containment can be extremely important in an era of increasing subscription sales.
    Type: Grant
    Filed: September 27, 2016
    Date of Patent: June 16, 2020
    Assignee: Amazon Technologies, Inc.
    Inventors: Shwu Fang Loh, Hongzhou Chen, Vinodth Mohanam
  • Patent number: 10674326
    Abstract: A method includes detecting the presence of a mobile device at a designated area and receiving a location identifier associated with the designated area and a mobile device user identifier associated with the mobile device at a backend server. The method further includes utilizing the location identifier to obtain local flavor content data, wherein the local flavor content data provides customized information specific to the designated area, providing the local flavor content data to the mobile device using the mobile device user identifier, and applying the local flavor content data to a generic application in the mobile device to generate a local flavor application that is customized for use at the designated area.
    Type: Grant
    Filed: June 27, 2016
    Date of Patent: June 2, 2020
    Assignee: Mastercard International Incorporated
    Inventor: Mohammad Khan
  • Patent number: 10672024
    Abstract: Disclosed are various embodiments of systems, methods, and computer programs that generate filters that can be used to filter offerings in a user interface. The effectiveness of filters can be evaluated to generate an effectiveness metric. The effectiveness metric can be used to weight the filters. The effectiveness metric can be based on a probability analysis of filters that are based on the probability that a filter was active when a transaction in the transaction history occurred.
    Type: Grant
    Filed: September 9, 2015
    Date of Patent: June 2, 2020
    Assignee: Amazon Technologies, Inc.
    Inventors: Sandeep Bhatia, Haroldo Jose Level, Mohamed Ershad Junaid
  • Patent number: 10664920
    Abstract: Blockchain techniques for providing insurance to an affinity group may include an enforcement server that receives a plurality of bidding actions (e.g., bid or no-bid) from a plurality of bidding entities in response to an auction of an opportunity to provide insurance for members of the affinity group. The server may compile transactions corresponding to the received bidding actions into a block of transactions (e.g., a round of bidding), distribute the block of transactions to validation entities to form a consensus on the highest bid, and update copies of a distributed ledger with the block of transactions. The server may identify a winning bid and provide affinity group member data to the winning bidding entity, thereby providing consumers with lower cost insurance and/or insurance that is more reflective of actual risk (or lack thereof). The affinity group may be updated over time and re-auctioned using the blockchain techniques.
    Type: Grant
    Filed: January 12, 2018
    Date of Patent: May 26, 2020
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Leif Agerholm Roll, Eric Webster, Gregory L. Hayward, Craig Dean Isaacs
  • Patent number: 10667128
    Abstract: Various embodiments described herein are directed towards authenticating calls by using one or more keys associated with a specific user. In examples, the user is the sender of a call. In various embodiments, when a call is made, an identifying payload is encrypted using a private key associated with the user. The encrypted identifying payload is appended to the call data stream. The identifying payload may be decrypted with a public key. In embodiments, the identifying payload may be verified. In various embodiments, further authentication methods may be performed by using an object such as a contactless card to provide one or more components of the identifying payload and/or keys. In embodiments, a connection may be made between the sender and the intended recipient of a call based on the verification of the identifying payload.
    Type: Grant
    Filed: October 17, 2019
    Date of Patent: May 26, 2020
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Gaurang Bhatt, Rocky Guo, Lukiih Cuan
  • Patent number: 10657569
    Abstract: A merchant application is installed on a mobile device and can be used by a merchant to create a real-time deal for one or more products or services provided by the merchant. The deal is provided by the merchant application to a deal server for offering the deal to consumers based at least in part on geographic proximity of the consumers to the location at which the deal can be used. The merchant application can receive real-time information regarding purchased deals from the deal server in response to transactions made between the deal server and consumers to purchase the deal. The merchant application can display a listing of purchased deals, which can be updated in response to receiving input indicating that a particular purchased deal has been redeemed.
    Type: Grant
    Filed: February 27, 2012
    Date of Patent: May 19, 2020
    Assignee: LivingSocial, Inc.
    Inventors: Aaron Batalion, Brett H. Battjer
  • Patent number: 10650410
    Abstract: Computer-implemented systems and methods disclosed herein disclose features for determining the frequency of exposure to real-world products embedded with Internet-Of-Things (IoT) hardware and determining a comprehensive targeting profile identifying the interests of users based on their exposure to real-world products. A computing device carried by a user wirelessly receives product exposure data from a nearby IoT-enabled device upon entering within a certain proximity of the IoT-enabled device. The computing device further compiles the product exposure data with previous product exposure data for IoT-enabled devices to which the computing device was previously exposed. Based on the compiled product exposure data, a server device determines a frequency of exposure to a product corresponding to the IoT-enabled device over a period of time.
    Type: Grant
    Filed: March 15, 2016
    Date of Patent: May 12, 2020
    Assignee: Adobe Inc.
    Inventors: Sachin Soni, Kevin Smith, Ashish Duggal, Anmol Dhawan
  • Patent number: 10628831
    Abstract: In an example, a method for implementing a disclosure message requirement may include operations to detect a condition requiring an output of the disclosure message and to control output of the disclosure message, in a communication session that follows a process workflow. The process workflow may be modified to include pausing further actions in the process workflow, outputting of the disclosure message in the communication session, and then resuming actions in the process workflow in response to successfully outputting the entire disclosure message to a customer user. In some examples, the communication session involves a telephone call session between a customer service agent and a customer. In some examples, user interface functions related to the process workflow are disabled and then enabled, to prevent the agent from proceeding in the process workflow for a product or service until the disclosure has been successfully output.
    Type: Grant
    Filed: July 18, 2019
    Date of Patent: April 21, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: John Raymond Apple, Gary Brewer, Mary Lynn Leary, Chirag S. Shah, Kourtney Eidam
  • Patent number: 10628843
    Abstract: Systems and methods are provided for offering loyalty rewards for transactions. One exemplary method includes associating, by a computing device, a merchant with a group of reward offerors, and associating, by the computing device, a consumer payment account with a group of reward offerees. The method also includes receiving, by the computing device, and advertising to the reward offerees, a reward offer from the merchant; receiving a transaction associated with the merchant and with the consumer payment account, and identifying, in a data structure, the merchant as a member of the group of reward offerors and the consumer payment account as associated with the group of reward offerees. The method then further includes, based on the advertised reward offer and on the identified merchant, updating, by the computing device, a loyalty reward account associated with the consumer payment account.
    Type: Grant
    Filed: April 27, 2017
    Date of Patent: April 21, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Adam Robert Bell, Benjamin M. Berger, Edward R. Tempesta, Nikhil Anand Malgatti, Pavel Umanski, Pranit Flora
  • Patent number: 10621560
    Abstract: Cannabis gifts can be transmitted from a first mobile computing device to a second mobile computing device that run an application program. The mobile computing devices communicate with a server and data for the system users is stored on a database. When cannabis products are gifted, a unique token generated by the server and a gift message is transmitted to the second mobile computing device. The user can go to a cannabis provider and redeem the gift credit by showing the user interface to a staff member of the cannabis provider. The server can record the unique token for the cannabis gift as being used and records the value of the cannabis gift with the food or beverage provider. The server forwards payment for the value of the cannabis gift to the cannabis provider.
    Type: Grant
    Filed: September 8, 2017
    Date of Patent: April 14, 2020
    Assignee: PintPass, LLC
    Inventor: Ryan Rickert
  • Patent number: 10615993
    Abstract: A system implements user permissions and user subscriptions with regard to content posted on one or more peer-to-peer knowledge sharing platforms (e.g., Community pages). Permissions are assigned to groups of users, rather than individual users. Permissions are determined by the groups of which the user in question is a member.
    Type: Grant
    Filed: January 4, 2019
    Date of Patent: April 7, 2020
    Assignee: ServiceNow, Inc.
    Inventors: Sarup Paul, Umakanth Godavarthy, Prabhat Mishra, Paulina Luckiewicz, Avishek Dey, Vinamra Misra, Mallesh Aggu, Harish Bellamane, Rampradeep Dodda, Preethi Chittimalla, Ryan Currier
  • Patent number: 10614478
    Abstract: A directed digital currency system, method, and apparatus comprising a proprietary directed digital currency comprising voucher-tag-objects; a network of purpose systems that generate and use the directed digital currency; purpose system members; a network processor; physical tags, tag-objects and apparatuses including modules configured for identification, qualification, generation, aggregation, detection, and redemption of elements including the directed digital currency in accordance with interoperability rules; directed digital currency redeemers configured to redeem the directed digital currency; users that receive and redeem the directed digital currency in exchange for an exchange item; a process to collect value to pay for units of the directed digital currency generated; and a process to disburse value to directed digital currency redeemers that redeem units of the directed digital currency.
    Type: Grant
    Filed: November 9, 2018
    Date of Patent: April 7, 2020
    Inventor: Randolph Georgi
  • Patent number: 10572891
    Abstract: A method for updating a virtual punchcard check-in system, including: accesses an input to a mobile device, wherein the input comprises a verification code that is displayed at a business establishment, wherein the verification code serves as a notification of an attempted check-in of a customer at the business establishment, wherein the customer is associated with the mobile device; based on comparing accessed mobile device identification information with a set of mobile device identification information, identifies the mobile device to achieve an identified mobile device; sends a request for a location check of the mobile device to a phone carrier; receives from the phone carrier a location identification of the location of the mobile device; and if the location identification matches a location of the business establishment, generates a message, wherein the message comprises a punchcard status for the business establishment as it relates to the customer.
    Type: Grant
    Filed: March 26, 2015
    Date of Patent: February 25, 2020
    Assignee: Comenity LLC
    Inventor: James Walz
  • Patent number: 10565574
    Abstract: A method for applying promotion codes to a payment transaction is provided. The method uses at least one input device in communication with a database. The payment transaction includes a purchase made by a cardholder using a payment card over a payment card network. The method includes storing promotion data within the database including at least one merchant participating in the payment card network, each promotional program offered by the at least one merchant to the cardholder, and promotion codes associated with each promotional program offered to the cardholder. The method further includes accessing the promotion data using the at least one input device, receiving a selected promotional program from the cardholder using the at least one input device, and automatically applying the promotion codes associated with the selected promotional program to the payment transaction.
    Type: Grant
    Filed: October 29, 2018
    Date of Patent: February 18, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Jonathan Robert Powell
  • Patent number: 10558993
    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: December 21, 2018
    Date of Patent: February 11, 2020
    Assignee: UNITED AIRLINES, INC.
    Inventors: David Oppenheim, Praveen Sharma
  • Patent number: 10540687
    Abstract: Systems and methods for implementing point of advertising purchasing include using mass media publications configured for or containing service, product or vendor transmittable signals, such as from radio frequency identification tags. In a preferred arrangement, a consumer perceiving an advertisement of the mass media publication may activate a reader in a portable communications device, such as a smart mobile or cellular phone, to receive information from the radio frequency signal associated with the advertisement to identify a vendor, product or service associated with the radio frequency identification. The smart mobile phone or communications device of the consumer may communicate with a system of a vendor or vendors by way of a commerce data organization system across a network to order a product or product information from a system of the vendor over the network by using the information from the radio frequency identification.
    Type: Grant
    Filed: July 31, 2017
    Date of Patent: January 21, 2020
    Assignee: TTN HOLDINGS, LLC
    Inventors: Barry Bryant, S. Robert Levine
  • Patent number: 10510120
    Abstract: An intermediary entity may act on behalf of consumers to find policy rates and/or other features that best meet the consumers' insurance requirements and/or preferences. For instance, consumers may give affirmative consent or otherwise opt into a program that provides insurance cost savings or discounts. Based upon an analysis of individual consumer characteristics and/or insurance preferences, each individual consumer may be grouped with other insurance consumers having similar characteristics and/or insurance preferences. The insurance consumer groupings may be offered for sale, such as through an online auction. When a winning bid is accepted, the insurance policies of the consumers may be updated or new policies may be provided and/or presented to individual consumers for their approval, thereby providing consumers with lower cost insurance and/or insurance that is more reflective of actual risk (or lack thereof). The consumer groups may be updated over time and re-auctioned.
    Type: Grant
    Filed: September 30, 2015
    Date of Patent: December 17, 2019
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventor: Leif Agerholm Roll
  • Patent number: 10506426
    Abstract: Various embodiments described herein are directed towards authenticating calls by using one or more keys associated with a specific user. In examples, the user is the sender of a call. In various embodiments, when a call is made, an identifying payload is encrypted using a private key associated with the user. The encrypted identifying payload is appended to the call data stream. The identifying payload may be decrypted with a public key. In embodiments, the identifying payload may be verified. In various embodiments, further authentication methods may be performed by using an object such as a contactless card to provide one or more components of the identifying payload and/or keys. In embodiments, a connection may be made between the sender and the intended recipient of a call based on the verification of the identifying payload.
    Type: Grant
    Filed: July 19, 2019
    Date of Patent: December 10, 2019
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Gaurang Bhatt, Rocky Guo, Lukiih Cuan
  • Patent number: 10504362
    Abstract: Velocity information can be beneficial to various entities including other vehicles and a central traffic monitoring and routing system. Vehicles with sensors can serve as velocity probes to update speeds that are shared via a more global service. However, individuals may be reluctant to provide location and velocity information given privacy preferences. Local policies about sharing personal data are described that can be harnessed to enhance privacy while minimizing communication costs. The local data-sharing policies allow devices to monitor their own speeds and locations and to employ models and analyses that determine the value of sharing flow information with a larger service in accordance with privacy preferences, and to make local decisions as to when to respond to broadcasted queries for specific information, while minimizing the redundancy of signals from multiple vehicles.
    Type: Grant
    Filed: May 5, 2014
    Date of Patent: December 10, 2019
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Eric J. Horvitz, Jonathan David Canan, Gur Kimchi
  • Patent number: 10496971
    Abstract: Embodiments of the disclosure enable a computing system to enhance one or more financial transactions. The computing system identifies a cardholder account used to enter into a financial transaction, identifies a merchant and/or a primary product associated with the financial transaction, analyzes cardholder data associated with the cardholder account and account data associated with the merchant and/or the primary product to determine a secondary product, generate presentation data for presenting product information associated with the secondary product, and receive selection data associated with the secondary product such that the financial transaction is enhanced with the secondary product. Aspects of the disclosure provide for enhancing the financial transaction with a secondary product tailored to the cardholder, provided or promoted by the merchant, and/or useable with the primary product in a constructive, complementary, and/or effective manner.
    Type: Grant
    Filed: September 21, 2016
    Date of Patent: December 3, 2019
    Assignee: Mastercard International Incorporated
    Inventors: Shawn Douglas Hilleary, Benjamin M. Berger, Jean-Pierre Gerard, Vincent Morelli, Melinda I. Rolfs, Qian Wang
  • Patent number: 10484246
    Abstract: Provided are systems and methods for segmenting and grouping a plurality of network nodes into one or more clusters. Content may be delivered from a transmitting user node to a receiving user node based on which cluster the receiving user node resides. The grouping of the clusters may be dynamically updated in real-time based on user activity data. Such user activity data may be collected from both a transmitting user node (e.g., server) and a receiving user node (e.g., user device) to map the delivery of a relevant communication. Advantageously, a transmitting user may deliver content to other relevant users and a receiving user may receive content from other relevant users.
    Type: Grant
    Filed: December 19, 2017
    Date of Patent: November 19, 2019
    Assignee: IBOTTA, INC.
    Inventors: Bryan Leach, Luke Swanson, Garrick Wager
  • Patent number: 10475048
    Abstract: This invention discloses a novel system and method for implementing an electronic customer loyalty rewarding service that awards credits for continued patronage of a vendor, where the credits can be spent at the vendor or with other vendors that participate in the service. The disclosure further includes an embodiment where the system automatically calculates a discount voucher deal for a vendor with a guarantee spend amount per customer that uses the voucher. The system automatically trades these transactions in order to either electronically pay the guarantee or collect a commission on the overspend above the guarantee.
    Type: Grant
    Filed: August 8, 2011
    Date of Patent: November 12, 2019
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Jasper Angus Malcolmson, Ashish Baldua, Gustavo Both Bitdinger, Lisa Marie Bruggeman, Andy Bodart, Kenneth Ivar Kronquist
  • Patent number: 10462024
    Abstract: A computer implemented method includes collecting, at a memory of a computing device having a processor, message processing latency information about processing electronic data transaction request messages over a timeframe by an application including a plurality of sequential stages; presenting, in a graphical user interface (GUI) rendered on a display coupled to the computing device, a digital dashboard, the digital dashboard displaying: for each stage, a stage box representing the stage positioned on a y-axis so as to represent a message processing latency associated with the stage over the timeframe; an inter-arrival message rate line positioned on the y-axis so as to represent an arrival rate between the electronic data transaction request messages over the timeframe; and an application box representing the application positioned on the y-axis so as to represent a message processing latency associated with the application over the timeframe; and in response to detecting a re-positioning of a stage box or
    Type: Grant
    Filed: November 15, 2017
    Date of Patent: October 29, 2019
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Kyle Dennis Kavanagh, José Antonio Acuña-Rohter
  • Patent number: 10438227
    Abstract: An improved online rewards program offering automatic reward disbursement once there is a sufficient account balance and providing efficient reward delivery entirely through the internet. The rewards program offers a broad range of opportunities to earn points over the internet through a variety of online vendors from which a customer may choose to shop or earn points through alternate means. The rewards consist of legally obtained instantly deliverable digital products which could have otherwise been illegally downloaded with the aid of online piracy.
    Type: Grant
    Filed: January 27, 2016
    Date of Patent: October 8, 2019
    Inventor: Sasha Hyatt Nordeen
  • Patent number: 10387901
    Abstract: The compensation calculation system provides in one embodiment a promotion based system. A series of user interfaces allow a user to define an incentive program, such as a promotion program, for customers of an entity. In one embodiment, the definition of an incentive program includes the customers who will participate in the program, the products that are the subject of the program, various levels of attainments that must be met to obtain compensation, and the payout generation details. The system efficiently determines accumulations relevant to the attainments and payouts using a combination snowflake data schema and nested set model to facilitate high performance determination of accumulation values. “What-if” analyses can be undertaken in a reasonable amount of time to, for example, determine and/or compare different compensation payouts based on changing variables that affect compensation.
    Type: Grant
    Filed: September 22, 2016
    Date of Patent: August 20, 2019
    Assignee: VERSATA DEVELOPMENT GROUP, INC.
    Inventors: G. Randell Dong, Richard N. Hooper
  • Patent number: 10387912
    Abstract: Concepts and technologies are disclosed herein for providing augmented reality shopping displays. A processor can execute a shopping service. The processor can receive a request for display data. The processor can analyze shopping data to identify data sources, the shopping data can include user data associated with the requestor, and the data sources can include an offer source. The processor can obtain collected data from the data sources identified, the collected data including an offer. The processor can generate display data based upon the collected data and the shopping data, and provide the display data to a user device. The display data can identify the offer.
    Type: Grant
    Filed: September 9, 2014
    Date of Patent: August 20, 2019
    Assignee: AT&T Mobility II LLC
    Inventor: Mohammed Salman Farshori
  • Patent number: 10380648
    Abstract: A system may include a database configured with individual partitions, one of the partitions corresponding to a sponsored content campaign of a social network. The system may further include multiple servers each communicatively coupled to the database, and each configured to implement a campaign having a campaign termination criterion. Each of the servers may include a processor configured to track sponsored content event data received from a user device based on the campaign and transmit the event data to the database and terminate the campaign based on a comparison of the event data as received from a partition of the database corresponding to the campaign and an estimation of event data not received from the database. The database may be configured to store the event data as received from the servers in the partition corresponding to the campaign upon receipt of the event data.
    Type: Grant
    Filed: December 9, 2016
    Date of Patent: August 13, 2019
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Sanjay Sureshchandra Dubey, Nihar N Mehta, Sanjay Kshetramade, Ashvin Kannan, Carleton Miyamoto
  • Patent number: 10354004
    Abstract: In some implementations, documents can be presented on a display of a computing device based on a context of the computing device. The context can include a current time and/or current location associated with the computing device. The documents can be presented based on a time and/or location associated with the documents. Documents can be downloaded and shared between devices. Documents can be dynamically updated based on document vendor provided information and/or other network based resources. In some implementations, the various graphical interfaces described herein provide access to a variety of document types in an organized and efficient manner.
    Type: Grant
    Filed: March 15, 2013
    Date of Patent: July 16, 2019
    Assignee: Apple Inc.
    Inventors: Chanaka G. Karunamuni, Marcel Van Os, Scott Herz, Eliza Block, Glen W. Steele, Ken Ferry, Peter Laurens
  • Patent number: 10349226
    Abstract: A system and method for the delivery and display of information, including an information inventory containing information to be delivered, an information serving engine, a targeting engine, a subscriber database and a subscriber-information matching arrangement, the system and method configured for the delivery of information based on various factors.
    Type: Grant
    Filed: October 23, 2013
    Date of Patent: July 9, 2019
    Assignee: Eureka Mobile Advertising Limited
    Inventors: Rahul Jayawant, Rohan Jayawant, Yogesh Sholapurkar
  • Patent number: 10346853
    Abstract: A system and methods allowing the creation, integration, and transaction of rule circumventions and/or interactive advertisements in computing environments is provided. In an illustrative implementation, the present invention comprises a core transaction server, a multimedia transaction server, and browser application. A computing environment cooperates with the core transaction server to obtain data representative of computing environment rule circumventions for integration within the computing environment as well as computing environment circumvention transaction information. The core transaction server cooperates with the multimedia transaction server to obtain data representative of the desired computing environment rule circumvention and with the browser application to obtain inputs from computing environment to establish accounts for use when transacting computing environment rule circumvention transactions.
    Type: Grant
    Filed: April 18, 2003
    Date of Patent: July 9, 2019
    Assignee: Gametek LLC
    Inventor: Shawn Cartwright
  • Patent number: 10320725
    Abstract: The invention provides method, apparatus and electronic device for integrating multifunctional services. The method includes assigning users with corresponding user identification numbers in an interactive application platform; responding to the login operation of the user based on the user identification number, and displaying the personal homepage of the user after login is successful; after detecting a click operation of the user on the audio and video communication label, entering an audio and video communication interface; and when the user identification number of another user input by the user on a dialing sub-interface is received, initiating a communication request to the another user based on the user identification number, or when the click operation on a communication key arranged on the audio and video communication interface is detected, initiating a communication request to another user to which the communication key corresponds.
    Type: Grant
    Filed: September 21, 2018
    Date of Patent: June 11, 2019
    Inventor: Shiwei Li
  • Patent number: 10282752
    Abstract: In the Internet field, interfaces which support social interaction are used by two or more people to share information and content. An example is a geolocation (map-type) interface (a web page for instance) which is relied upon by users to obtain travel routes, plan trips and find geolocation information, such as stores, restaurants and other places. Described here is a system for advertising whereby targeted advertisements are displayed to users of such an interface and the advertisements are the result of an analysis of user behavior during a particular interface session or several sessions, so advertisements are closely targeted to each particular user.
    Type: Grant
    Filed: May 15, 2009
    Date of Patent: May 7, 2019
    Assignee: EXCALIBUR IP, LLC
    Inventors: Athellina Athsani, Elizabeth F. Churchill, M. Cameron Jones
  • Patent number: 10262303
    Abstract: A method for applying promotion codes to a payment transaction using an input device in communication with a database is provided. The payment transaction includes a purchase made by a cardholder using a payment card over a payment card network. The method includes storing promotion data within the database including at least one promotional program having a qualifying number of rewards points for a rewards program, and storing rewards data within the database including a current number of rewards points accumulated by the cardholder. The method further includes providing access to the promotion data through the at least one input device including each promotional program having a qualifying number of rewards points that is less than the current number of rewards points for the cardholder, receiving a selected promotional program from the cardholder, and automatically applying the promotion codes associated with the selected promotional program to the payment transaction.
    Type: Grant
    Filed: December 28, 2007
    Date of Patent: April 16, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Jonathan Robert Powell
  • Patent number: 10218859
    Abstract: In a method of payment for service of a portable communication unit, a customer prepays a dealer for said service, the dealer forwards transaction order information about the pre-payment to a prepaid management center (PMC); and the PMC provides a bank the transaction order information. The bank, upon receipt of the transaction order information from the PMC, determines whether there are sufficient funds in the dealer account to cover the transaction. If there is insufficient cash on hand, the dealer is notified and is provided an opportunity to replenish the account so that the transaction may proceed. If there are adequate funds in the dealer account, the bank automatically transfers the amount of the purchase transaction in the SP S account, less the dealer's fee for the purchase. After funds are transferred from the dealer account, the PMC is notified of the transfer, at which time the PMC generates codes and issues the codes to the dealer.
    Type: Grant
    Filed: August 17, 2018
    Date of Patent: February 26, 2019
    Assignee: Precis Group LLC
    Inventors: Peter D. Wendt, Daniel S. Karvonen
  • Patent number: 10185739
    Abstract: Disclosed herein is an integration of automatic search functionality into a business application. The application is monitored for an instance wherein the user is initiating an activity that involves an expenditure. Upon detection of such an activity, a query is automatically generated based on information related to the expenditure. The query is communicated to a search component, from which corresponding search results are eventually received. Finally, at least some information related to the search results is displayed to the user. In one embodiment, assuming the user's express or implicit approval, auto-generation of data and/or modification of business process flow are facilitated based on the search results.
    Type: Grant
    Filed: February 23, 2017
    Date of Patent: January 22, 2019
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Ashvin J. Mathew, Brendan O'Meara, Nicolae Surpatanu, Eshwar Somashekar, Rajat Taneja
  • Patent number: 10181136
    Abstract: Systems and methods for targeted advertising to specific consumers are disclosed. A system may include a memory storing instructions and at least one processor configured to execute the instruction to: receive, over a network, client-provided data from a client device; identify at least one consumer by comparing the client-provided data against consumer data recorded in an electronic consumer database; obtain at least one unique consumer identifier for the identified at least one consumer, the at least one unique consumer identifier not including personal identifiable information; generate a target audience pool based on the at least one unique consumer identifier; and deliver, over a network, the target audience pool to the client device to facilitate targeted advertising to specific consumers.
    Type: Grant
    Filed: October 17, 2017
    Date of Patent: January 15, 2019
    Assignee: Merkle, Inc.
    Inventors: Peter Randazzo, John Gajewski, John Lee, Nicholas Illobre, Dionisio Espinal, Gerald Matthew Bavaro, David Michael Yonchak, Kelly Renee Leger
  • Patent number: 10096042
    Abstract: The disclosed embodiments include methods, systems, and articles of manufacture for providing offers for linked transactions. Transaction data corresponding to a first product physically purchased using a financial service account and product identification data identifying the first purchased product are received. The transaction data and the product identification data are associated. A consumer that purchased the first product is determined based on at least the transaction data. Follow-on purchase to offer for sale to the consumer based on the product identification data is determined and a follow-up purchase offer to purchase the follow-on product is generated. The consumer is provided with the follow-on purchase offer to enable the consumer to purchase the follow-on product in an electronic commerce purchase transaction.
    Type: Grant
    Filed: May 27, 2014
    Date of Patent: October 9, 2018
    Assignee: Capital One Financial Corporation
    Inventors: Thomas S. Poole, David E. Keating, Drew Jacobs, Janusz M. Niczyporuk, Luke A. Hammock
  • Patent number: 10089646
    Abstract: Embodiments of the present disclosure include a method for managing a payment transaction. Such a method includes receiving a first transaction information including a first rendered card provided by a user using a computer server. A further step may include accessing BIN and rate information from a table, using the computer server, based on the first transaction information. An additional step may include calculating, using the computer server, a first cost based on the BIN and rate information and calculating a first convenience fee for the first rendered card. Other steps may be determining a first suggested card type by the computer server based on an algorithm implemented by software such that the first suggested card type has a lower cost than the first cost and a lower convenience fee than the first convenience fee as well as providing the first suggested card type to the user.
    Type: Grant
    Filed: October 4, 2013
    Date of Patent: October 2, 2018
    Inventor: Hossein Mohsenzadeh
  • Patent number: 10034261
    Abstract: A technique for sensor network, Machine to Machine (M2M), Machine Type Communication (MTC), Internet of Things (IoT) is provided. The present disclosure can be applied to intelligent services (smart homes, smart buildings, smart cities, smart cars or connected cars, health care, digital education, retail, security and safety service) based on the technique. A method for operating a user equipment (UE) is provided. The method includes receiving a first signal comprising a first category identification (ID) and a first unique ID from a first beacon device, determining a distance from the first beacon device based on the first signal, if the distance is below a threshold, registering the first category ID, and if a second signal comprising the registered first category ID from a second beacon device, displaying information corresponding to a second unique ID of the second signal.
    Type: Grant
    Filed: July 11, 2016
    Date of Patent: July 24, 2018
    Assignee: Samsung Electronics Co., Ltd.
    Inventors: Hyun-Jung Kim, Kiseok Lee
  • Patent number: 10002497
    Abstract: Disclosed is a machine for redeeming an entitlement that includes an interface for receiving user data including payment vehicle data. In an embodiment, a payment vehicle reader reads payment vehicle data from a payment vehicle, and an input device receives an input of at least one additional identifier. The machine also includes a communication module in communication with a processor. The processor receives account data associated with the user, wherein the account data includes one or more entitlements representing an award. The interface is configured to receive a selection of at least one entitlement, and the machine also includes a cash dispensing device for dispensing cash when a selected entitlement is an amount of cash.
    Type: Grant
    Filed: December 14, 2016
    Date of Patent: June 19, 2018
    Assignee: Mastercard International Incorporated
    Inventors: Hemant Arora, Gurpreet Atwal, Jaipal Singh Kumawat
  • Patent number: 9990642
    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: September 1, 2010
    Date of Patent: June 5, 2018
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Bradley R. Strock, Lynn Hooper, Eugene M. Glavin, Beth L. Bressler
  • Patent number: 9990646
    Abstract: A system includes a rule engine to determine details of loyalty reward currency redemption from one or more reward accounts as part of the processing of a payment transaction in a payment account of a user. The redemption details are determined based on user preferences and rules of the loyalty programs, and transmitted to the user during the authorization of the payment transaction. During the authorization and/or within a time window after the authorization, but before the settlement of the payment transaction, the user may provide a confirmation message that may accept, reject, or modify the redemption details. A transaction handler is configured to authorize and/or settle the payment transaction, as modified by the redemption details initially computed by the rule engine and subsequently confirmed, rejected or modified by the user via an optional confirmation message.
    Type: Grant
    Filed: October 24, 2014
    Date of Patent: June 5, 2018
    Assignee: Visa International Service Association
    Inventors: Diane C. Salmon, James Alan VonDerheide, Laura DiGioacchino, Edward Scheidelman, Nancy L. Kim
  • Patent number: 9986307
    Abstract: A method and apparatus for providing an interactive video viewing experience for a user. The user has an internet enabled device and launches an interactive watching application (IWA) on his device. Using the IWA, he brings up a list of available video content and selects a video for viewing. As the user is viewing the video, an overlay display appears on the lower portion of the screen and overlays a portion of the still running video. The overlay displays “Touch for information regarding this program.” When the user touches the display, the video pauses and a web page containing information regarding or relating to the program or its subject matter is displayed. Utilizing various similar overlays, an interactive video viewing experience is provided to the user. The experience can include various overlays and associated experiences, such as obtaining information regarding new characters or consumer products as they appear.
    Type: Grant
    Filed: July 11, 2014
    Date of Patent: May 29, 2018
    Assignee: Bottle Rocket LLC
    Inventors: Calvin Carter, Jason Osburn, Scott Maddux, Chris Roche
  • Patent number: 9940660
    Abstract: A computer-implemented method for providing a list of frequently purchased items by a user from a retailer to a computing device corresponding to the user includes receiving a request to generate the list of frequently purchased items. A purchase history of the user is obtained in response to the request, the purchase history including a plurality of previously purchased items. A number of purchases for each of the purchased items within a predetermined time period is monitored. The list of frequently purchased items is generated based on the monitored number of purchases for each of the purchased items. The generated list of frequently purchased items is transmitted to the computing device.
    Type: Grant
    Filed: June 27, 2013
    Date of Patent: April 10, 2018
    Assignee: WAL-MART STORES, INC.
    Inventors: Valerie Goulart, Lauren Jill Patti
  • Patent number: 9911123
    Abstract: The present disclosure relates to making payments with a mobile device. In one example process, the mobile device receives and stores information for one or more payment accounts on the mobile device. The mobile device is used to make payments using the payment accounts. In some examples, authorization to proceed with a payment is performed before each purchase made by the user. The authorization process can include receiving a verification of the user, such as a fingerprint scan or passcode. In some examples, a payment account is selected from among available payment accounts. In some examples, an indication is displayed of a digital item associated with a purchased item. In some examples, a payment transaction is initiated with participants of an ongoing communication. In some examples, an application of a retailer is invoked based on the availability of the application. In some examples, a purchase recommendation is provided.
    Type: Grant
    Filed: April 25, 2016
    Date of Patent: March 6, 2018
    Assignee: Apple Inc.
    Inventors: Marcel Van Os, Pablo F. Caro, George R. Dicker, Glen W. Steele
  • Patent number: 9898870
    Abstract: Techniques to present location information using augmented reality are described. An apparatus may comprise an augmentation system operative to augment an image with information for an individual, the image having a virtual object representing a real object. The augmentation system may comprise a location component operative to determine location information for the real object, a virtual information component operative to retrieve location information for an individual, and a proximity component operative to determine whether location information for the real object substantially matches location information for the individual. The augmentation system may further comprise an augmentation component operative to augment the virtual object with information for the individual to form an augmented object when the location information for the real object substantially matches the location information for the individual. Other embodiments are described and claimed.
    Type: Grant
    Filed: May 24, 2016
    Date of Patent: February 20, 2018
    Assignee: MICORSOFT TECHNOLOGIES LICENSING, LLC
    Inventor: Harishkumar Narayanan
  • Patent number: 9881310
    Abstract: An eliciting system is provided. The eliciting system may embody a method for collecting market research data by eliciting customer input through an interactive, competitive game format. The eliciting system may provide the game format by including a controllable object, a control unit and a display platform, wherein the display platform provides a plurality of scan codes presented in an eye-catching manner. The control unit provides a user interface and is adapted to remotely control the controllable object as it hovers over the display platform. The controllable object may provide a scanner for reading the plurality of scan codes. Each scan code may provide a market association with a good and/or service. Each market association scanned by the scanner is represented on the user interface, whereby the user of the control unit can view and approve of or disapprove of it, while the user controls the controllable object hovering over the display platform.
    Type: Grant
    Filed: December 8, 2014
    Date of Patent: January 30, 2018
    Inventors: Thomas Lee Register, Dionne Trottie-Register, Charmaine Trottie
  • Patent number: 9875614
    Abstract: Systems and methods provided allow users to receive rewards in a videogame based on their “real world” purchases, where such purchases are those they may have made anyway, but which now provide the incentive of receiving rewards in particularly new ways. By providing a connection between a server operating the loyalty reward system and a game server or game administration server, the system can be made seamless and can closely tie the purchase to the reward. Players may receive in-game benefits based on their real world activities with loyalty programs, including rewards for purchases on credit cards, debit cards, or at particular storefronts.
    Type: Grant
    Filed: August 11, 2014
    Date of Patent: January 23, 2018
    Assignees: SONY CORPORATION, SONY NETWORK ENTERTAINMENT INTERNATIONAL LLC
    Inventors: Charles McCoy, True Xiong, Clay Fisher
  • Patent number: 9852438
    Abstract: A computer-implemented method for transferring reward points between mobile computing devices is implemented by a first mobile computing device. The method includes receiving a first reward points balance associated with a first reward points account, detecting a second mobile computing device associated with a second reward points account wherein the second reward points account has a second reward points balance, initiating a transfer request from the first mobile computing device to the second mobile computing device, and sending a transfer command to a rewards program computer system wherein the transfer command instructs the rewards program computer system to transfer the at least one reward point between the first reward points account and the second reward points account.
    Type: Grant
    Filed: December 31, 2013
    Date of Patent: December 26, 2017
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Christopher Andrew Guiney, Saurabh Singh, Ramchandran Venkatesh, Hao Sun