Method Of Redeeming A Frequent Usage Reward Patents (Class 705/14.33)
  • Patent number: 11354603
    Abstract: A carsharing system includes circuitry configured to: receive, from a user, a usage request for requesting a reservation for use of a vehicle which is supplied for a vehicle rental service; permit the reservation for use of the vehicle when the reception unit receives the usage request and no reservation for use of the vehicle has been made at time of receiving the usage request; and give, when the reservation for use of the vehicle is determined, a permission for locking or unlocking by using electronic information to the user at a date and a time on which the vehicle is used.
    Type: Grant
    Filed: November 20, 2018
    Date of Patent: June 7, 2022
    Assignee: TOYOTA JIDOSHA KABUSHIKI KAISHA
    Inventors: Shin Sakurada, Koichi Ando, Mutsumi Matsuura, Masato Endo, Koki Fujita
  • Patent number: 11315048
    Abstract: A carsharing system includes circuitry configured to: receive, from a user, a usage request for requesting a reservation for use of a vehicle which is supplied for a vehicle rental service; permit the reservation for use of the vehicle when the reception unit receives the usage request and no reservation for use of the vehicle has been made at time of receiving the usage request; and give, when the reservation for use of the vehicle is determined, a permission for locking or unlocking by using electronic information to the user at a date and a time on which the vehicle is used.
    Type: Grant
    Filed: November 20, 2018
    Date of Patent: April 26, 2022
    Assignee: TOYOTA JIDOSHA KABUSHIKI KAISHA
    Inventors: Shin Sakurada, Koichi Ando, Mutsumi Matsuura, Masato Endo, Koki Fujita
  • Patent number: 11308467
    Abstract: A computer server includes a processor that is configured to receive an incoming authorization request that includes an original numeric value and an identification number, and locate a profile that is associated with the identification number. The located profile includes at least one adjustment criterion. The processor is configured to determine a primary numeric value and a secondary numeric value from the original numeric value and the adjustment criterion, confirm that the secondary numeric value is not greater than a balance value in a loyalty points account associated with the identification number, and reduce the balance value in the loyalty points account by the secondary numeric value. The processor is configured to, after confirming the secondary numeric value, generate a revised authorization request and transmit the revised authorization request to an authorization server. The revised authorization request includes the identification number and the primary numeric value.
    Type: Grant
    Filed: April 21, 2020
    Date of Patent: April 19, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Robert Hayhow, Giovanna Borsella, Milos Dunjic, Jeffrey Aaron Ecker, Bryan Michael Gleeson, Arthur Carroll Chow, Anthony Haituyen Nguyen, John Jong-Suk Lee, Rakesh Thomas Jethwa
  • Patent number: 11290550
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for a virtual objection distribution method are provided. One of the methods includes: performing an image scanning to a local environment of a user; conducting image identification to an acquired image; acquiring an electronic certificate from a server if an image identifier is identified in the image; saving the electronic certificate; and, in response to a determination that a category count of the received electronic certificates reaches the threshold, sending to the server a virtual object distribution request to cause the server to distribute a virtual object to the user. This method significantly increases interactivity and entertainingness of a virtual object distribution process.
    Type: Grant
    Filed: July 7, 2021
    Date of Patent: March 29, 2022
    Assignee: ADVANCED NEW TECHNOLOGIES CO., LTD.
    Inventors: Qinglong Duan, Guanhua Chen, Jing Ji, Jiahui Cheng, Lu Yuan
  • Patent number: 11250353
    Abstract: A carsharing system includes circuitry configured to: receive, from a user, a usage request for requesting a reservation for use of a vehicle which is supplied for a vehicle rental service; permit the reservation for use of the vehicle when the reception unit receives the usage request and no reservation for use of the vehicle has been made at time of receiving the usage request; and give, when the reservation for use of the vehicle is determined, a permission for locking or unlocking by using electronic information to the user at a date and a time on which the vehicle is used.
    Type: Grant
    Filed: November 20, 2018
    Date of Patent: February 15, 2022
    Assignee: TOYOTA JIDOSHA KABUSHIKI KAISHA
    Inventors: Shin Sakurada, Koichi Ando, Mutsumi Matsuura, Masato Endo, Koki Fujita
  • Patent number: 11250407
    Abstract: Provided is a method for providing installment payment options for a payment transaction. The method may include communicating, to a customer device, installment payment data associated with a plurality of installment payment options. A first authorization request for a payment transaction with a customer may be received from a merchant system. The first authorization request may include at least one field including first installment payment data associated with a first installment payment option. A first lender system associated with the first installment payment option may be determined. A second authorization request, which may include the first installment payment data, may be communicated to the first lender system. An authorization response may be received from the first lender system indicating approval of the first installment payment option for the payment transaction. The authorization response may be communicated to the merchant system. A system and computer program product are also disclosed.
    Type: Grant
    Filed: September 3, 2019
    Date of Patent: February 15, 2022
    Assignee: Visa International Service Association
    Inventors: Yuexi Chen, Eduardo Andre Vaena, Xiaodong Jiang, Sarthak Basak, Mathieu André Guy Altwegg, Hamish Geoffrey Moline, Madhur Singhal, Liza Maree Agresta, Geir Forde
  • Patent number: 11151592
    Abstract: An energy-saving promotion achievement-evaluating device is provided in which: a population-constituting user identification information-obtaining unit comprises a population-constituting group identification information-obtaining means for obtaining population-constituting group identification information for obtaining, as comparison targets, a plurality of groups identified by group identification information for identifying a group constituted by a plurality of pieces of user identification information as the comparison target; and an energy-saving promotion achievement evaluation result-obtaining unit comprises a group-energy-saving promotion achievement evaluation result-obtaining means for obtaining energy consumption achievement data of the group identified by the population-constituting group identification information obtained by the population-constituting group identification information-obtaining means as an energy-saving promotion achievement evaluation result in association with the group identi
    Type: Grant
    Filed: November 13, 2017
    Date of Patent: October 19, 2021
    Inventor: Eiichi Umamoto
  • Patent number: 11113691
    Abstract: Systems and methods for voice-enabled transactions are disclosed. A merchant system may generate a transaction request comprising a transaction amount and a merchant identifier. The merchant system may invoke an audio signal generator to generate an audio transaction signal comprising the transaction request data. A voice assistant may play the audio transaction signal. The user initiating the transaction may use a mobile device to detect and ingest the audio transaction signal. In response to detecting and ingesting the audio transaction signal, the mobile device may interact with a payment network to authorize, process, and complete the transaction request. The payment network may transmit a transaction approval to the merchant system.
    Type: Grant
    Filed: September 25, 2018
    Date of Patent: September 7, 2021
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Matthew Joseph Castoro, Andrew Lei
  • Patent number: 11070637
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for a virtual objection distribution method are provided. One of the methods includes: performing an image scanning to a local environment of a user; conducting image identification to an acquired image; acquiring an electronic certificate from a server if an image identifier is identified in the image; saving the electronic certificate; and, in response to a determination that a category count of the received electronic certificates reaches the threshold, sending to the server a virtual object distribution request to cause the server to distribute a virtual object to the user. This method significantly increases interactivity and entertainingness of a virtual object distribution process.
    Type: Grant
    Filed: May 24, 2019
    Date of Patent: July 20, 2021
    Assignee: ADVANCED NEW TECHNOLOGIES CO., LTD
    Inventors: Qinglong Duan, Guanhua Chen, Jing Ji, Jiahui Cheng, Lu Yuan
  • Patent number: 11068289
    Abstract: An installation assist apparatus according to an embodiment of the present disclosure includes hardware processor configured to: receive an input of installation positions of first and second optical wireless communication devices performing optical wireless communication and an input of an angle of elevation representing an inclination of an optical axis center line to a horizontal line, the optical axis center line connecting the first and second optical wireless communication devices; determine whether each of the first and second optical wireless communication devices is affected by solar light, the determination being carried out based on the installation positions of the devices, the angle of elevation, an influence angle representing a maximum value of an incident angle of solar light affecting the devices, and solar positions through a whole year; and cause a display device to display a result of the determination.
    Type: Grant
    Filed: March 26, 2020
    Date of Patent: July 20, 2021
    Assignee: TAIYO YUDEN CO., LTD.
    Inventors: Hideki Ohkawa, Ryuichi Sunagawa, Hiroya Kakimoto, Masayuki Tsuda, Izumi Igawa
  • Patent number: 11037185
    Abstract: Disclosed is a method, a device, a system, and/or a manufacture of user engagement based on a revolving opportunity feed delivering rewards of a business profile based on completion criteria. In another embodiment, a method includes determining a computing device storing an opportunity feed. The method references a feed population ruleset to determine an addition to the opportunity feed based on a repopulation condition. A selection algorithm is then applied to determine an opportunity profile to transmit to the computing device. An opportunity data is extracted from the opportunity profile and transmitted to the computing device over a network. A completion data is validated by comparing the completion data to an opportunity completion criteria of the opportunity profile. A reward is referenced in the opportunity profile, the opportunity data is designated as completed by the user profile ID, and the reward is associated with the user profile.
    Type: Grant
    Filed: April 12, 2019
    Date of Patent: June 15, 2021
    Inventor: Peter Jenson
  • Patent number: 10929873
    Abstract: The Power Buy System includes a computer based platform wherein sellers and buyers log into a website having a pre-configured Power Deal listing on an item. The pre-configured Power Deal listing may set forth one or more tier pricing based on quantity. The pre-configured Power Deal or the new Power Deal may be activated upon commitment from a first buyer. The buyer is provided tools to encourage other social media contacts to purchase an item in order to aggregate a larger buyer collective and sellers are allowed to offer a lower price than what is stated in the buy now price to further encourage additional buyers participation so that more items may be sold.
    Type: Grant
    Filed: June 11, 2018
    Date of Patent: February 23, 2021
    Assignee: MASSGENIE
    Inventor: ThuHang Truong
  • Patent number: 10840975
    Abstract: A method of enhanced interaction between a first computing device and a second computing device is described. A first channel for connection between the first computing device and the second computing device using a short range communication technology and a second channel for communication between the first computing device and the second computing device using a communication technology are established. A first interaction is performed using the first channel and an additional interaction is performed using the second channel. Suitable first and second computing devices are also described.
    Type: Grant
    Filed: July 28, 2017
    Date of Patent: November 17, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Patrik Smets, Patrick Mestre, Florent Hay, Kuan Hua Chen, Shilpa Harvey
  • Patent number: 10798088
    Abstract: A request is received at a server and from a first software client to obtain at least one electronic credential, and the first software client is associated with a first user, and the server stores multiple electronic credentials that are used to extract a service object; at least one electronic credential is transmitted from the server to the first software client based on a predetermined rule; an allocation request is received at the server to extract the service object, and the allocation request includes electronic credentials selected from electronic credentials obtained by the first software client; a number of categories of the selected electronic credentials that included in the allocation request is determined to be is greater than or equal to a predetermined number; and the service object that selected from a service object set is allocated to the first software client based on a predetermined allocation rule.
    Type: Grant
    Filed: July 19, 2018
    Date of Patent: October 6, 2020
    Assignee: Alibaba Group Holding Limited
    Inventor: Jing Ji
  • Patent number: 10785209
    Abstract: A request is received at a server and from a first software client to obtain at least one electronic credential, and the first software client is associated with a first user, and the server stores multiple electronic credentials that are used to extract a service object; at least one electronic credential is transmitted from the server to the first software client based on a predetermined rule; an allocation request is received at the server to extract the service object, and the allocation request includes electronic credentials selected from electronic credentials obtained by the first software client; a number of categories of the selected electronic credentials that included in the allocation request is determined to be is greater than or equal to a predetermined number; and the service object that selected from a service object set is allocated to the first software client based on a predetermined allocation rule.
    Type: Grant
    Filed: December 18, 2019
    Date of Patent: September 22, 2020
    Assignee: Alibaba Group Holding Limited
    Inventor: Jing Ji
  • Patent number: 10776806
    Abstract: A mobile loyalty system for preventing fraudulent redemption of a reward is disclosed which comprises a mobile communication device having a screen and configured to run a mobile application for obtaining a code representative of a visit to a merchant, the mobile application for transmitting information associated with obtaining the code representative of the visit to the merchant and for receiving information associated with a reward to be redeemed at the merchant, the screen for displaying the reward to be redeemed and a motion element for preventing fraudulent redemption of the reward.
    Type: Grant
    Filed: February 26, 2013
    Date of Patent: September 15, 2020
    Inventor: David Laiderman
  • Patent number: 10769659
    Abstract: Electronic payment card processing systems and methods include at least one host computing device that accepts transaction data as payment card transactions are made and processed over the multi-party payment processing network. Based on the accepted transaction data, the host computing device identifies a first payment card transaction between a first enrolled cardholder and a first enrolled merchant that includes a delivery of a first good to a location that is within a predefined geographic area including the first enrolled merchant. The host computing device retrieves at least one incentive offer relating to a second enrolled merchant and involving a delivery of a second good within the predefined geographic area, and sends the at least one incentive offer to additional enrolled cardholders within the predefined geographic area.
    Type: Grant
    Filed: October 17, 2017
    Date of Patent: September 8, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Manoneet Kohli
  • Patent number: 10558996
    Abstract: Methods and systems for regulating generation of units according to at least one encryption technique associated with a blockchain are disclosed. In some embodiments, a system includes a communication device configured to communicate with a computing device executing an application and a processor configured to execute instructions to perform operations. The operations include receiving transaction information describing a transaction; based on the transaction, determining product awards for at least one product awards program for the transaction; using the blockchain, determining a real-time conversion rate for the transaction, where the real-time conversion rate is regulated by the at least one encryption technique; based on the real-time conversion rate, converting the product awards to units; and entering into the blockchain encrypted data associated with the transaction, wherein the encrypted data is encrypted according to the at least one encryption technique.
    Type: Grant
    Filed: June 9, 2016
    Date of Patent: February 11, 2020
    Assignee: Fidelity National Information Services, LLC
    Inventors: Cassie Boutelle, Lou Grilli, Troy Land, James Heystek, Wade D. Murray
  • Patent number: 10460336
    Abstract: Methods, systems, and computer program products for incentivizing adoption of predefined practices using digital transactable assets are provided herein. A computer-implemented method includes processing measurements from a collection of activity meters over a predetermined period of time, wherein each of the activity meters is linked to at least one user, and wherein the measurements represent user activity in furtherance of a predefined objective; generating units of a digital transactable asset to be allocated among the users in connection with the predefined objective; allocating the generated units of the digital transactable asset among the users based on said processing; and converting the generated units of the digital transactable asset allocated to each of the users to an alternative value source upon completion of (i) the predefined objective and/or (ii) the predetermined period of time.
    Type: Grant
    Filed: December 7, 2015
    Date of Patent: October 29, 2019
    Assignee: International Business Machines Corporation
    Inventors: Pralhad Deshpande, Ravindranath Kokku
  • Patent number: 10423627
    Abstract: The present inventive concepts encourage users to actively form friend relationships and also incentivize users to actively utilize services provided by an SNS and the like by assigning ranks to users in consideration of the users' friend relationships. A management server including a memory configured to store computer-readable instructions, and one or more processors configured to execute the instructions to determine a personal rank of a target user based on a personal utilization record for the target user, obtain the personal rank of at least one related user who is associated with the target user, and derive an overall rank of the target user based on the personal rank of the at least one related user and the personal rank of the target user may be provided.
    Type: Grant
    Filed: August 27, 2015
    Date of Patent: September 24, 2019
    Assignee: LINE CORPORATION
    Inventor: Tomohiko Taniguchi
  • Patent number: 10387895
    Abstract: A method for sharing consumer data with a merchant includes: storing, in an account database at least one account profile, wherein each account profile includes data related to a transaction account including at least an account identifier and a plurality of sharing data values; receiving, from a point of sale device, an authorization request for a payment transaction, wherein the authorization request includes at least a specific account identifier and a sharing request; identifying, in the account database, a specific account profile where the included account identifier corresponds to the specific account identifier; identifying, in the specific account profile, one or more sharing data values of the plurality of sharing data values for sharing to the point of sale device; and transmitting, by a transmitting device, the identified one or more sharing data values to the point of sale device.
    Type: Grant
    Filed: August 7, 2014
    Date of Patent: August 20, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Erica Robeen
  • Patent number: 10380563
    Abstract: Disclosed are a mobile terminal having a payment function and a control method thereof. The mobile terminal includes a display unit configured to display screen information regarding purchase of and payment for the product, a memory including information regarding a plurality of different payment interfaces, and a control unit configured to, when the payment for the product is requested, allow the payment to be made through any one of the plurality of different payment interfaces based on an action of a user sensed before the payment is requested.
    Type: Grant
    Filed: November 25, 2015
    Date of Patent: August 13, 2019
    Assignee: LG ELECTRONICS INC.
    Inventors: Yoonwoo Lee, Jeongyun Heo, Hyungtae Jang, Junghoon Chu, Gukchan Lim, Hongjo Shim, Seonghyok Kim, Mihyun Park, Dongeun Lee
  • Patent number: 10346834
    Abstract: A computer-implemented system and method that includes receiving, by a mobile wallet bank computer system, a product code that identifies a product after a user of a mobile device has been authenticated, determining, by the mobile wallet bank computer system, the identity of a merchant from a plurality of merchants based on at least a portion of the product code, sending, by the mobile wallet bank computer system, the received product code to a merchant computer, sending, by the mobile wallet bank computer system, information regarding the product and merchant bank information, and transferring, by the mobile wallet device, a payment for the product to a merchant bank from an account held by the user based on the information sent.
    Type: Grant
    Filed: December 27, 2016
    Date of Patent: July 9, 2019
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Ashish Bhoopen Kurani, Melissa Lowry, Stephen M. Ellis
  • Patent number: 10339555
    Abstract: A system is configured to determine a conversion rate associated with a loyalty program offered by a merchant. The conversion rate may specify a monetary value allotted to a loyalty point in the loyalty program. The conversion rate, associated with the loyalty program, may change over time. The conversion rate may be determined without user input specifying the conversion rate. The system is configured to receive an instruction to lock the conversion rate for a period of time; lock the conversion rate as a locked conversion rate for the period of time based on the instruction; and permit the locked conversion rate to be used to apply a discount to a purchase during the period of time. The locked conversion rate at a time of the purchase may be different from the conversion rate offered by the loyalty program at the time of the purchase.
    Type: Grant
    Filed: February 5, 2015
    Date of Patent: July 2, 2019
    Assignee: Accenture Global Services Limited
    Inventor: Puneet Kumar Goel
  • Patent number: 10311460
    Abstract: A method and program product includes accessing a customer account on a server system. A revolving list of tasks associated with the customer account is received. The revolving list of tasks at least includes a plurality of businesses and at least one action to be completed for each business. The plurality of businesses are selected by the server system from a group of associated businesses using a selection algorithm. The selection algorithm at least in part uses a random selection. A completion of a one of the tasks is communicated, wherein the server system removes the task from the list creating an empty slot, and assigns a reward to the customer account.
    Type: Grant
    Filed: April 12, 2016
    Date of Patent: June 4, 2019
    Inventor: Peter Jenson
  • Patent number: 10281508
    Abstract: An apparatus for automated electricity demand response based on online trading of demand side resources. The apparatus includes a communication unit, a demand response management system, an utility grid management system, and a demand response resources in use; a database; and a demand response processing unit configured to receive an electricity demand reduction instruction message according to a certain demand response service contract condition in the demand response management system.
    Type: Grant
    Filed: April 7, 2016
    Date of Patent: May 7, 2019
    Assignee: ELECTRONICS AND TELECOMMUNICATIONS RESEARCH INSTITUTE
    Inventors: Tae In Hwang, Il Woo Lee
  • Patent number: 10108933
    Abstract: When a trading system receives a request from an employee to trade leave time for a related value, the trading system communicates with an employer system to request a value of leave time accrued by the employee. The employer system transmits the value of leave time to the trading system, and the trading system converts the value of leave time into a related value. Through the trading system, the employee can use the related value to purchase items from one or more merchants.
    Type: Grant
    Filed: February 14, 2014
    Date of Patent: October 23, 2018
    Assignee: PTO, Inc.
    Inventors: Gregory Jon Hatch, Todd Comnenos Lucas, Robert Shannon Whalen, Steven Craig Armstrong
  • Patent number: 9785960
    Abstract: Introduced herein is a method and system that enhances the number of real world meetings between online friends of social networking sites (SNS). The method and system is configured to work in perfect alignment with one or more SNS. The method and system provides an incentive for users who are connected on the SNS to meet in the real world. The incentive is provided through a dynamic meeting platform system that allows third party sponsors to work with SNS to reward users for real-world meetings. By increasing the frequency of meeting between the users, the method and system creates greater alignment between the online social life and conduct and the real-world social life and conduct, increasing the quality of life for the users. Further, such greater alignment helps expand the growth of SNS.
    Type: Grant
    Filed: October 9, 2014
    Date of Patent: October 10, 2017
    Assignee: WEMEET
    Inventor: Gunnar Moller
  • Patent number: 9510144
    Abstract: A computer system may notify a user about personally attended services satisfying temporal-spatial criteria. The computer system may use a user location and/or information on already scheduled events to determine whether a personally attended service satisfies the temporal-spatial criteria. Travel time may be determined and included when determining whether the personally attended service conflicts with an already scheduled event. The temporal-spatial criteria may also include availability of the personally attended service. A user profile and/or third party information may be used to determine if a user is available and/or would be receptive to a personally attended service. The user profile may be generated from third party information, such as contained in an online social network, and/or learned. The user may be able to reserve the personally attended service through the computer system.
    Type: Grant
    Filed: November 30, 2015
    Date of Patent: November 29, 2016
    Inventor: Howard Lefkowitz
  • Patent number: 9479937
    Abstract: There are provided systems and methods for using a wireless beacon to provide access credentials to a secure network. A network access device, such as a WiFi router, may provide a secure wireless network requiring access credentials to access the network. For example, the network may be password protected to prevent unauthorized used. Additionally, the network may have various levels of use, such as access depending on a security clearance for a user or data transfer and usage rates. Each of the various levels of use may require a separate access credential. A wireless beacon may be configured to connect to user devices that are near or within an area covered by the network. The connection between a user device and the beacon may be utilized to determine the proper access credential for the user device and push the access credential to the user device.
    Type: Grant
    Filed: August 22, 2014
    Date of Patent: October 25, 2016
    Assignee: EBAY, INC.
    Inventors: Christopher Diebold O'Toole, Bryant Genepang Luk, Robert He, Jennifer Brenner, Yu Tang
  • Publication number: 20150149271
    Abstract: The systems and methods for redemption of loyalty points to satisfy a transaction are provided. The systems and methods may include APIs that are capable of determining a balance of loyalty points in response to initiation of a payment transaction at the POS. The system may also include APIs that are configured to authorize the transaction. In this regard, the APIs may initiate their requests such that, the results of the requests (e.g., the loyalty point balance and the authorization) are received at substantially the same time.
    Type: Application
    Filed: February 24, 2014
    Publication date: May 28, 2015
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: CHARLES BATTLE, NAGESHWARA CHIRRAVURI, COLLEEN DECHON, PRIYADARSHINI KOUL, SATHISH MUTHUKRISHNAN, PHILIP NORMAN, VARUN SOOD, ELIZABETH VAKIL, DAVID WOLF
  • Publication number: 20150149272
    Abstract: A system and method configured to use an authorization messaging system for payment processing to communicate, in real time during authorization of a payment transaction, loyalty reward information, such as reward balance and conversion rate between a loyalty currency and a payment currency. For example, loyalty currency conversion rate is provided in real time via the authorization response that also provides the loyalty currency balance that is redeemable for the payment transaction. The system and method allows the conversion rate to be customized and/or personalized based on the identities of the user, the merchant and the loyalty program. Merchant may provide add-on offers for certain users.
    Type: Application
    Filed: November 25, 2014
    Publication date: May 28, 2015
    Inventors: Diane C. Salmon, James Alan VonDerheide, Laura DiGioacchino, Edward Scheidelman, Nancy L. Kim
  • Patent number: 9038144
    Abstract: A wireless network authorization system receives an authorization request for a wireless communication device transmitted from a visited wireless network. A processing system selects one of a simple internet connection and an encrypted internet connection for the wireless communication device in response to the authorization request. The communication interface transfers an authorization response for delivery to the visited wireless network indicating the selected one of the simple internet connection and the encrypted internet connection.
    Type: Grant
    Filed: September 6, 2013
    Date of Patent: May 19, 2015
    Assignee: Sprint Communications Company L.P.
    Inventors: George Jason Schnellbacher, Joao Carlos Osorio Gouvea Teixeira de Magalhaes, Joseph C. Shojayi
  • Publication number: 20150127553
    Abstract: An intelligent payment card and a method for performing a financial transaction using the payment card are disclosed. The payment card includes inter-alia a biometric sensor, an input module, and a display screen. The payment card is activated when a primary user successfully authenticates himself by the way of providing valid finger print(s) to the biometric sensor of the payment card. The payment card is removably embedded with criteria that dictate at least a maximum transaction amount, maximum number of transactions to be performed on the card and maximum threshold time for completing a transaction. The payment card also includes a processor unit which compares the authorization code input by the user with a unique identification number stored within the payment card, and upon successful authentication enables the user to perform desired financial transaction and also ensures that the removably embedded criteria are not violated during the financial transaction.
    Type: Application
    Filed: May 28, 2013
    Publication date: May 7, 2015
    Inventors: MOHAN SUNDARAM, NEERAJ GUPTA
  • Publication number: 20150120428
    Abstract: Mobile payment systems and methods allow a customer to make payments at a point-of-sale device using their mobile device. In the mobile payment method, a single bundle of transaction information is received at an aggregator server from a mobile device and the server creates a bundle ID for the received bundle. The bundle ID is sent to the mobile device, which presents it to the POS device. The POS device sends the received bundle ID back to the aggregator server and, if the bundle ID matches the expected ID, then payment processing is initiated according to preferences outlined in the transaction information.
    Type: Application
    Filed: October 28, 2013
    Publication date: April 30, 2015
    Applicant: U.S. Bank, National Association
    Inventors: Derrick HARDISON, Colin SMITH, Wally MLYNARSKI
  • Publication number: 20150120429
    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: Application
    Filed: October 24, 2014
    Publication date: April 30, 2015
    Inventors: Diane C. Salmon, James Alan VonDerheide, Laura DiGioacchino, Edward Scheidelman, Nancy L. Kim
  • Patent number: 9002728
    Abstract: A campaign offers and rewards system includes an offer serving engine, and an analytics engine with data intelligence. The analytics engine compares information about similar goods or services sold by different entities, manufacturers or service providers to create product and service categories. A redemption engine is included.
    Type: Grant
    Filed: December 13, 2012
    Date of Patent: April 7, 2015
    Assignee: Dropbox, Inc.
    Inventors: Steven A. Carpenter, Erik Klein, George O'Brien, Franck Chastagnol, Jitendra Vaidya, Jack Tihon
  • Publication number: 20150088633
    Abstract: A system including a transaction handler configured to split a transaction, initiated between an acquirer processor representing a merchant and an issuer processor representing a user of a payment account, into separate transactions with the issuer processor and one or more sponsor processors in control of reward accounts of the user for the redemption of loyalty rewards. User preferences and rules of the loyalty programs for the redemption of the loyalty rewards are stored to facilitate the determination of the redemption details in an automated way, such that the user (and/or the merchant) does not have to specify the redemption details. A portal may optionally notify the user of the award/redemption of the benefit of an offer using a communication channel separate from the transaction terminal that initiates and approves the transaction between the account holder and the merchant.
    Type: Application
    Filed: September 24, 2014
    Publication date: March 26, 2015
    Inventors: Diane C. Salmon, James Alan VonDerheide, Laura DiGioacchino, Edward Scheidelman, Nancy L. Kim
  • Publication number: 20150046245
    Abstract: A transaction is conducted at a merchant location using redeemed loyalty points maintained in a loyalty point account for a customer. The transactions are conducted using a mobile device at a POS terminal. In response to receiving a customer ID from the mobile device, a loyalty server provides the monetary value of loyalty points. The customer may use the mobile device to redeem those points and have the value transferred into a financial account. A payment processing system connected to the POS terminal completes the transaction using the financial account.
    Type: Application
    Filed: August 21, 2014
    Publication date: February 12, 2015
    Applicant: FIRST DATA CORPORATION
    Inventors: Todd Nuzum, Brian Friedman, Virginia G. Sayor
  • Publication number: 20150006275
    Abstract: A system and method for operating a reward points accumulation and redemption program wherein a user earns reward points from a plurality of independent reward points issuing entities, with each tracking the user's earned reward points in a user reward point account stored on a multi-function card (such as a frequent flyer account or a credit card loyalty account). The multi-function card is adapted to aggregate some or all of the user's earned reward points from the reward accounts and credit the aggregated points into a single reward exchange account on the multi-function card. The user may then select an item for purchase with the accumulated reward points from the multi-function card. The item is provided to the user in exchange for a subset or all of the reward points from the multi-function card.
    Type: Application
    Filed: November 4, 2013
    Publication date: January 1, 2015
    Applicant: SIGNATURE SYSTEMS LLC
    Inventor: Richard Postrel
  • Publication number: 20140379454
    Abstract: Systems and methods for controlling redemption of an electronic coupon involve issuing an electronic coupon with a predetermined redemption characteristic and later updating the redemption characteristic of the electronic coupon based on one or more factors.
    Type: Application
    Filed: April 30, 2014
    Publication date: December 25, 2014
    Applicant: Verify Holdings, LLC
    Inventor: Jason GEYEN
  • Publication number: 20140372197
    Abstract: Systems, apparatuses and methods for dynamic targeting of advertising campaigns to consumers are described, which systems, apparatuses and methods may enable a merchant to offer an exclusive price point to one or more consumers that may be particularly receptive to the exclusive price point. An example system for providing an exclusive price point to a consumer for products in an electronic shopping cart of the consumer includes a processor, storage, and memory with instructions for hosting an electronic marketplace, gathering and generating product and consumer data, and/or providing affinity data to a merchant for use in targeting an advertising campaign.
    Type: Application
    Filed: June 14, 2013
    Publication date: December 18, 2014
    Inventors: Farid Muhammad, Ahmad Khatib
  • Publication number: 20140372198
    Abstract: Described herein are apparatus and methods for collecting and manipulating transaction data.
    Type: Application
    Filed: June 25, 2014
    Publication date: December 18, 2014
    Inventors: Yair Goldfinger, Amichay Oren
  • Publication number: 20140365291
    Abstract: The performance of obligations is facilitated with respect to a discount received via a loyalty program. For example, the performance of the obligations can be facilitated via: managing information regarding the obligation of a user of the loyalty program; determining a path to satisfaction of the obligation based on a location of a mobile device associated with the user; and producing a notification regarding fulfillment of the obligation based on the path.
    Type: Application
    Filed: June 10, 2013
    Publication date: December 11, 2014
    Inventor: Simon Shvarts
  • Publication number: 20140365295
    Abstract: A method of operating a data collection and analysis system. An exchange computer receives customer identification data associated with a customer. A quantitative analysis algorithm determines whether the exchange computer has received an amount of customer identification data sufficient for the customer to be uniquely identified, and if so, then a linking service computer or a plurality of remote database computers perform a qualitative analysis algorithm with the customer identification data to determine if the customer identification data is sufficient for the customer to be uniquely identified. If the qualitative analysis algorithm passes, then customer information may be retrieved from the remote databases and collated and analyzed at the exchange computer. The customer may automatically register with reward programs using already-entered user information. A data analysis embodiment enables offers to be generated that are tailored towards specific users.
    Type: Application
    Filed: June 30, 2014
    Publication date: December 11, 2014
    Inventor: Richard Postrel
  • Publication number: 20140365293
    Abstract: An online reward exchange system and method, with an exchange computer that interoperates with user computers, reward point issuer computers, and merchant computers. The merchants' products may be purchased by a user by requesting via a user computer, merchant's point of sale device, or mobile device an issuer(s) to redeem reward points in exchange for payment to the merchant. The exchange computer is the gateway to the system and manages various transactions such as providing online product catalogs to users that list the merchants products, as well as displaying to the user the reward points he has available in his reward programs with the issuers. Once a user selects a desired product the exchange computer can manage the purchase transaction in which reward points are redeemed by the selected issuer and consideration is conveyed to the merchant in exchange for the merchant providing the product to the user.
    Type: Application
    Filed: November 18, 2013
    Publication date: December 11, 2014
    Inventor: Richard Postrel
  • Publication number: 20140365292
    Abstract: A system and method for operating a reward points accumulation and redemption program wherein a user earns reward points from a plurality of independent reward points issuing entities, with each tracking the user's earned reward points in a user reward point account stored on a multi-function card (such as a frequent flyer account or a credit card loyalty account). The multi-function card is adapted to aggregate some or all of the user's earned reward points from the reward accounts and credit the aggregated points into a single reward exchange account on the multi-function card. The user may then select an item for purchase with the accumulated reward points from the multi-function card. The item is provided to the user in exchange for a subset or all of the reward points from the multi-function card.
    Type: Application
    Filed: October 28, 2013
    Publication date: December 11, 2014
    Applicant: SIGNATURE SYSTEMS LLC
    Inventor: Richard Postrel
  • Publication number: 20140365294
    Abstract: A user selects a product to be liquidated from a product provider and then designates to the transacting entity that reward points are to be used towards the purchase of the liquidated product. The transacting entity acts to decrease the number of reward points in the user's reward account by the required number of points. The reward account holder conveys consideration to the transacting entity equivalent to the par value of the reward points consumer obtains the product in exchange for reward points having a retail value equivalent to what he would have otherwise paid for the product, while the reward account holder is required to convey only the par value of the points. The product provider is able to liquidate the product and obtain payment equivalent to what it would otherwise have obtained in a prior art liquidation process, auction or trading environment.
    Type: Application
    Filed: December 23, 2013
    Publication date: December 11, 2014
    Inventor: Richard Postrel
  • Publication number: 20140358663
    Abstract: The invention provides systems and methods for administering a rewards program in which a discount is offered to participants, and in which individuals redeem earned points at a personalized redemption rate. Points are earned by both shopping and social media activity. The personalized redemption rate is determined according to the activity of a user. The rewards program preferably includes real-time earning of points and real-time price reductions. In certain aspects, the invention provides a method of influencing consumer behavior that includes using a computer system for giving consumers reward points for performing activities, determining a redemption rate for each consumer, offering the consumers a discount on a purchase, and—for each consumer that accepts the offer—depleting that consumer's reward points by an amount inversely proportional to that consumer's redemption rate.
    Type: Application
    Filed: November 1, 2013
    Publication date: December 4, 2014
    Applicant: XENLULU LLC
    Inventors: Joseph Anthony Wheeler, Brandon Charles Hill
  • Publication number: 20140358655
    Abstract: The invention provides systems and methods for administering a rewards program in which points are earned by both shopping and online promotional activity. The rewards program preferably includes real-time earning of points and real-time price reductions. In certain aspects, the invention provides a method of influencing consumer behavior that includes using a computer system for giving consumers reward points for performing activities that include both online shopping and online brand promotion, offering the consumers a discount on a purchase, and—for each consumer that accepts the offer—depleting that consumer's reward points by an amount.
    Type: Application
    Filed: November 1, 2013
    Publication date: December 4, 2014
    Applicant: XENLULU LLC
    Inventor: Joseph Anthony Wheeler