Having Interface For Record Bearing Medium Or Carrier For Electronic Funds Transfer Or Payment Credit Patents (Class 705/17)
  • Patent number: 11157887
    Abstract: The systems and methods described herein provide for facilitating in-person payments at a transaction kiosk. First, the system provides an authentication interface for display at a network-enabled transaction kiosk. A user is authenticated at the kiosk via the authentication interface, and based on that authentication, the system detects a payment application and a payment request corresponding to the user, wherein the payment application is associated with a service provider and the payment request was created with the payment application. Next, the system identifies a user interface scheme associated with the payment application, and then updates the user interface for display at the transaction kiosk to match the user interface scheme, then initiates a blockchain payment based on the payment request.
    Type: Grant
    Filed: December 11, 2020
    Date of Patent: October 26, 2021
    Assignee: BITACCESS INC.
    Inventors: Mohammed Adham, Nathaniel Wood
  • Patent number: 11151579
    Abstract: A method for a goods manager to authenticate products at the point of sale is provided. The method comprises: providing an authentication device to a merchant, wherein the authentication device is not associated with a product but is configured to receive product information from a merchant terminal; once information about a product has been received by the authentication device from the merchant terminal, obtaining from the authentication device a signed message comprising information about the authentication device and information about the product received from the merchant terminal; and providing authorization data to the authentication device if the information fulfils one or more criteria, thereby associating the authentication device with the product. A method for a merchant to authenticate goods at the point of sale and a merchant terminal to perform such a method are also provided.
    Type: Grant
    Filed: December 4, 2018
    Date of Patent: October 19, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: David Anthony Roberts, Patrik Smets, Ramin Aghdaee, Joseph Pitcher
  • Patent number: 11151522
    Abstract: A method being implemented via execution of computing instructions configured to run at one or more processors and stored at one or more non-transitory computer-readable media. The method can include receiving a transaction amount and a preauthorization code from a first entity. The preauthorization code can include a preauthorization amount, an expiration time, and a digital signature. The transaction amount is for a transaction authorized by a user of a mobile device at a point-of-sale terminal of the first entity. The transaction amount is less than or equal to the preauthorization amount. The mobile device received the preauthorization code and stored the preauthorization code in the mobile device while the mobile device was in data communication with a mobile wallet provider. The mobile device provided a transaction code to the point-of-sale terminal while the mobile device was unable to communicate with the mobile wallet provider.
    Type: Grant
    Filed: December 16, 2019
    Date of Patent: October 19, 2021
    Assignee: EARLY WARNING SERVICES, LLC
    Inventors: Aaron Bartrim, Paul Finch, Lou Anne Alexander
  • Patent number: 11134373
    Abstract: The present disclosure may provide a method of naming an STK module, which may include: after starting a system of a communication terminal, reading text information of a SIM card and saving the same as a first variable, wherein the text information may include SET UP MENU alphaID or EF_SUME; uninstalling an STK module; and re-installing the STK module and naming the STK module using the first variable. By means of the foregoing solution, and the STK module of which the name has a word of “SIM card” after starting the communication terminal system may be renamed using the first variable. The present disclosure may further provide a communication terminal, which can execute the foregoing method. Still further, the present disclosure may provide an apparatus having a storage function, which stores program data, and the program data may be executed to implement the foregoing method.
    Type: Grant
    Filed: July 13, 2018
    Date of Patent: September 28, 2021
    Assignee: HUIZHOU TCL MOBILE COMMUNICATION CO., LTD.
    Inventors: Yangning Hong, Donghai Wu, Hanwu Xie, Zubin Chen
  • Patent number: 11126989
    Abstract: A receipt data processing device includes a data generating section, an output section, and a converting section. The data generating section is configured to generate receipt data of a first data format including information about an item purchased by a customer. The output section is configured to output the receipt data to at least one of a printing device and an external device that is different from the printing device. The converting section is configured to convert a data format of the receipt data from the first data format to a second data format that is different from the first data format when the receipt data is output to the external device.
    Type: Grant
    Filed: September 27, 2019
    Date of Patent: September 21, 2021
    Assignee: TOSHIBA TEC KABUSHIKI KAISHA
    Inventor: Hiromasa Suzuki
  • Patent number: 11127068
    Abstract: Inventory management in a checkout-free store may use a combination of anti-theft tags, door sensors, a payment application on a smartphone and associated with a payment device, and a shopping cart or basket with a first communication device (e.g., a radio frequency identification (“RFID”) tag, near-field communication (“NFC”) device, etc.). Items selected for purchase include a second communication device. For purchase, the item may be placed near the second communication device and the payment application adds the item to a virtual shopping cart within the payment application and deactivates the first communication device. Removing an item from the electronic cart may include removing it from the virtual shopping cart and reactivating the second communication device. The payment application may also interact with the first communication device to send a message to the store inventory system and collect the item from the customer prior to exiting the store.
    Type: Grant
    Filed: July 7, 2017
    Date of Patent: September 21, 2021
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Gaurav Srikant Mokhasi
  • Patent number: 11120451
    Abstract: Systems and methods for mobile-initiated in-store return of products are provided. An example system can include: an Order Management Module (OMM) configured to store in a first database completed transactions and associated electronic receipts for customers; a mobile device having a mobile application installed thereon and configured to query and receive from the OMM selection of products for return; a Return Management Module (RMM) configured to apply rules to validate the return based on the information about the selected product; and a return station configured to verify and complete the return.
    Type: Grant
    Filed: January 15, 2019
    Date of Patent: September 14, 2021
    Assignee: Walmart Apollo, LLC
    Inventors: David Martin Nelms, Bradley J. Kieffer, Brandon Flores, Casey Huliberger
  • Patent number: 11107056
    Abstract: Disclosed are method and apparatus that enable a cardless payment transaction to be executed from a merchant point-of-sale (POS) system. A user is enabled to check in at a merchant by using a mobile device of the user and then to pay by simply appearing at the merchant and mentioning his name. By emulating card read events and intercepting receipt printer outputs, the technique cleanly integrates into a conventional merchant POS system, without the need for customized software or hardware to accommodate individual POS vendor-proprietary application programming interfaces (APIs).
    Type: Grant
    Filed: April 17, 2017
    Date of Patent: August 31, 2021
    Assignee: Square, Inc.
    Inventor: Robert Lee
  • Patent number: 11102626
    Abstract: According to an embodiment, an electronic device may include a communication circuit, a display, a processor, and a memory. The memory may be store instructions which, when executed, configure the processor to control the electronic device to: control the communication circuit to receive a call from a first external electronic device, identify a receiving phone number of the call, identify a second external electronic device in a communication group set corresponding to the receiving phone number among at least one phone number registered based on information about a user account stored in the memory, and control the communication circuit to relay the call to the identified second external electronic device.
    Type: Grant
    Filed: August 8, 2019
    Date of Patent: August 24, 2021
    Assignee: SAMSUNG ELECTRONICS CO., LTD.
    Inventors: Jaehan Kim, Kilyeon Kim, Yunsun Baek, Saemi Lim, Jiyoun Jung, Yeongmin Ha
  • Patent number: 11086952
    Abstract: A server device, which includes a communication interface; a memory; and a processor operatively connected to the communication interface and the memory. The memory is configured to store a first database including identifiers of access points and location information. The processor is configured to: receive, from an external electronic device through the communication interface, an identifier of at least one access point including a first access point collected by the external device and an identifier of a base station, identify location information matching the identifier of the at least one access point and/or the identifier of the base station in the first database, and update location information matching an identifier of the first access point in the first database based on the identified location information.
    Type: Grant
    Filed: July 12, 2019
    Date of Patent: August 10, 2021
    Assignee: Samsung Electronics Co., Ltd.
    Inventors: Jinwoo Kim, Chaeman Lim, Hyejoong Kang, Bumsoo Lee
  • Patent number: 11080684
    Abstract: An example relates to a method for processing data an on smartcard comprising: (i) obtaining a message; (ii) searching for a rule in at least one file of the smartcard based on the message; and (iii) in case the rule was found, executing the rule.
    Type: Grant
    Filed: December 8, 2014
    Date of Patent: August 3, 2021
    Assignee: Infineon Technologies AG
    Inventors: Bala Nagendra Raja Munjuluri, Franz-Josef Brücklmayr, Narasimha Kumar Vedala, Prakash Nayak
  • Patent number: 11074559
    Abstract: A cloud-based computing system is provided that includes a payments platform for integrating payment gateway services with a cloud computing platform so that clients of the cloud computing platform can perform payment transactions with customers via the cloud computing platform. The payment gateways that include a particular payment gateway. The cloud computing platform can include a multitenant database system that provides applications and services to a plurality of clients, and a payments platform module. Each client can be, for example, a tenant or organization of the cloud computing platform that transacts business with one or more customers via a payment gateway. The payments platform module has a pluggable architecture for integrating each of the payment gateway adapters with the cloud computing platform.
    Type: Grant
    Filed: August 30, 2019
    Date of Patent: July 27, 2021
    Assignee: salesforce.com, inc.
    Inventors: Tarundeep Batra, Manasa Ranjan Tripathy, Ravi Shankar, Himanshu Kapoor, Ravindra Akella, John Banks
  • Patent number: 11068880
    Abstract: A method of controlling the execution of a payment application by a mobile terminal, in near field communication with a payment device. The method includes transmitting an application selection request to the payment device, and verifying the application identifier received from the payment device against a list of authorized applications. The verification is performed by the circuit having the application selection request transiting therethrough.
    Type: Grant
    Filed: June 13, 2016
    Date of Patent: July 20, 2021
    Assignees: STMicroelectronics (Rousset) SAS, Proton World International N.V.
    Inventors: Olivier Van Nieuwenhuyze, Alexandre Charles
  • Patent number: 11062290
    Abstract: A method including determining, at a point-of-sale terminal at a store of a merchant, a payment amount for one or more items to be purchased from the merchant by a consumer in a transaction. The method also can include sending first information from the point-of-sale terminal to a mobile device used by the consumer.
    Type: Grant
    Filed: January 17, 2018
    Date of Patent: July 13, 2021
    Assignee: EARLY WARNING SERVICES, LLC
    Inventors: Paul Finch, Lou Anne Alexander
  • Patent number: 11050463
    Abstract: A first device such as a wristwatch may include a front face at which a display is disposed and a rear face at which a rear housing wall is mounted. Antenna structures may overlap the rear housing wall and may be operable to transit and receive relatively high frequency signals through the rear housing wall to a communication with a second device such as a wireless power transmitting device for the wristwatch. The second device may also include antenna structures that overlap a top surface housing. Respective sets of magnetic structures may be provided in the first and second devices to align the two devices and to form a reliable wireless communication link between the two devices. The first and second devices may include respective antenna arrays that include pairs of antenna elements that are selectively used to form a reliable wireless communication link.
    Type: Grant
    Filed: September 26, 2019
    Date of Patent: June 29, 2021
    Assignee: Apple Inc.
    Inventors: Daniel J. Hiemstra, Jorge L. Rivera Espinoza, Timothy B. Ogilvie, Timothy M. Johnson
  • Patent number: 11037121
    Abstract: A method including performing, at a mobile device being used by a consumer, an identity authentication of the consumer. The method also can include receiving, at the mobile device, first information from a point-of-sale terminal at a store of a merchant. The first information can include a merchant identifier, a transaction identifier, and a payment amount. The merchant identifier can be associated with the merchant. The payment amount can be for one or more items to be purchased from the merchant by the consumer in a transaction. The transaction identifier can be associated with the transaction.
    Type: Grant
    Filed: January 17, 2018
    Date of Patent: June 15, 2021
    Assignee: EARLY WARNING SERVICES, LLC
    Inventors: Paul Finch, Lou Anne Alexander
  • Patent number: 11037122
    Abstract: A method including receiving, at a transaction system from a first entity, a request including a merchant identifier associated with a merchant. The transaction system can be in data communication with a first financial institution that maintains one or more first accounts of a consumer and a second financial institution that maintains a second account of the merchant. The one or more first accounts can include at least one non-demand deposit account. The transaction system can be maintained by an entity that is different from the merchant, the first financial institution, and the second financial institution. The consumer can use a mobile device at a store of the merchant to authorize paying a payment amount for one or more items in a transaction using the one or more first accounts. The method also can include determining, at the transaction system, an account identifier of the second account of the merchant maintained by a second financial institution using a merchant account database.
    Type: Grant
    Filed: January 17, 2018
    Date of Patent: June 15, 2021
    Assignee: EARLY WARNING SERVICES, LLC
    Inventors: Paul Finch, Lou Anne Alexander
  • Patent number: 11023868
    Abstract: A virtual currency method and a system comprises a virtual currency controller in communication with a real bank account comprising real currency and with one or more merchant controllers under the authority of respective merchants providing products and/or services for sale to users. The virtual currency controller comprises a virtual bank comprising a first amount of virtual currency units and virtual user bank accounts assigned to users and a second amount of virtual currency units separately allotted into respective ones of user's virtual bank accounts, wherein an exchange rate of the virtual currency units is determined based on the value of real currency in the real bank account, the total of the first amount of virtual currency units and the total of the second amount of virtual currency units. Users are provided to exchange virtual currency units for real currency in the real bank account based on the exchange rate.
    Type: Grant
    Filed: June 27, 2018
    Date of Patent: June 1, 2021
    Assignee: ZAPCOW INC.
    Inventors: Joseph Morena, Cono Fusco, Vince Morena
  • Patent number: 11023912
    Abstract: A method of providing rewards-based payment method selection, the method including: storing payment account numbers (PANs) associated with a tokenized financial account number (FAN), each PAN being associated with a purchase-based rewards program; receiving user rewards preferences; receiving, from a merchant POS terminal, a primary transaction authorization request; generating, based on the primary transaction authorization request and the FAN, a plurality of provisional transaction authorization requests corresponding to one of the PANs; transmitting, to one or more payment authorization servers, the plurality of provisional transaction authorization requests; receiving a plurality of provisional transaction authorizations corresponding to one of the PANs and including a respective rewards bid; selecting, based on the user rewards preferences and the respective rewards bids, a preferred PAN corresponding to a provisional transaction authorization; and transmitting, to the merchant POS terminal and based on
    Type: Grant
    Filed: March 21, 2019
    Date of Patent: June 1, 2021
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventor: Jeremy Rephlo
  • Patent number: 11017361
    Abstract: Integrating payment processing functionality into a third-party application via software development kit (SDK) instructions is described. In an example, a payment card reader can include reader instructions executable on the payment card reader to configure the payment card reader to read payment card data from a payment card and transmit the payment card data to a mobile device for processing by SDK instructions on the mobile device. The SDK instructions can be executable on the mobile device to configure the mobile device to process the payment card data from the payment card reader. The SDK instructions, which can be provided by a payment processor, can be configured to be integrated into a third-party application on the mobile device, wherein the third-party application is provided by an entity distinct from the payment processor.
    Type: Grant
    Filed: July 20, 2020
    Date of Patent: May 25, 2021
    Assignee: Square, Inc.
    Inventors: Jonathan Andrew Wolter, Pierre-Yves Ricau, Robert Dickerson
  • Patent number: 11017380
    Abstract: A method and apparatus for EMV terminal device testing using a simulation of a plurality of EMV cards when interacting with an EMV terminal device emulator are described. The method may include establishing, by an EMV card emulator, an interface with the EMV terminal device emulator for the exchange of EMV card present transaction communications between the EMV card emulator and the EMV terminal device emulator. Furthermore, for each of a plurality of simulated EMV cards, the method may include exchanging one or more communications with the EMV terminal device emulator via the interface, wherein each communication simulates a communication generated by a simulated integrated circuit of an EMV card in response to a communication generated by the EMV terminal device emulator, and then causing at least one transaction to be run by the EMV terminal device emulator using the exchange of the one or more communications between the EMV card emulator and the EMV terminal device emulator.
    Type: Grant
    Filed: July 26, 2019
    Date of Patent: May 25, 2021
    Assignee: STRIPE, INC.
    Inventors: Jonathan Wall, Ross Favero, Eric Glass
  • Patent number: 11007190
    Abstract: The present specification discloses a smart broadcast device, including: a device body, wherein the device body comprises a first surface that comprises a payment graphic code; a transceiver, installed inside the device body and configured to communicate with a payment service provider through maintaining a persistent wireless and/or wired network connection with the payment service provider; a processor, installed inside the device body and electrically connected to the transceiver; and a speaker, installed inside the device body and electrically connected to the processor, wherein the processor submits a payment result audio signal to the speaker upon receiving an external trigger signal from the payment service provider by using the transceiver, wherein the external trigger signal includes data defining at least a portion of a payment result, and wherein the payment result audio signal drives the speaker to output payment result audio.
    Type: Grant
    Filed: July 31, 2020
    Date of Patent: May 18, 2021
    Assignee: Advanced New Technologies Co., Ltd.
    Inventors: Ran Bian, Huanmi Yin, Le Zhou
  • Patent number: 10990981
    Abstract: Systems and methods for mobile-initiated in-store return of products are provided. An example system can include: an order management module (OMM) configured to store in a first database completed transactions and associated electronic receipts for customers; a mobile device having a mobile application installed thereon and configured to query and receive from the OMNI selection of products for return; a return management module (RMM) configured to apply rules to validate the return based on the information about the selected product; and a return station configured to verify and complete the return.
    Type: Grant
    Filed: September 28, 2018
    Date of Patent: April 27, 2021
    Assignee: Walmart Apollo, LLC
    Inventors: David Martin Nelms, Bradley J. Kieffer
  • Patent number: 10977719
    Abstract: The present disclosure provides an intelligent voice shopping system and method. The system includes: an information collecting device, configured to capture voice information; a data processing device, configured to process the voice information, obtain row and column information of a location of the user, and obtain corresponding voice information of the product from a product information database according to the voice information and the row and column information, wherein the product information database stores in advance a correspondence between voice information of various types of products and the row and column information; and a directional transmission device, configured to send the voice information of the product to the user.
    Type: Grant
    Filed: August 27, 2018
    Date of Patent: April 13, 2021
    Assignee: BOE TECHNOLOGY GROUP CO., LTD.
    Inventors: Lihua Geng, Shu Wang
  • Patent number: 10970695
    Abstract: A method including receiving, at a mobile device being used by a consumer, a transaction code from a point-of-sale terminal at a store of a merchant. The transaction code can include a merchant public identifier being associated with the merchant, a payment amount for one or more items to be purchased from the merchant by the consumer in a transaction, a transaction identifier for the transaction, and a digital signature. The method also can include verifying the digital signature for the transaction code.
    Type: Grant
    Filed: January 17, 2018
    Date of Patent: April 6, 2021
    Assignee: EARLY WARNING SERVICES, LLC
    Inventors: Paul Finch, Lou Anne Alexander, Aaron Bartrim
  • Patent number: 10966975
    Abstract: The present specification discloses a smart broadcast device, including: a device body, wherein the device body comprises a first surface that comprises a payment graphic code; a transceiver, installed inside the device body and configured to communicate with a payment service provider through maintaining a persistent wireless and/or wired network connection with the payment service provider; a processor, installed inside the device body and electrically connected to the transceiver; and a speaker, installed inside the device body and electrically connected to the processor, wherein the processor submits a payment result audio signal to the speaker upon receiving an external trigger signal from the payment service provider by using the transceiver, wherein the external trigger signal includes data defining at least a portion of a payment result, and wherein the payment result audio signal drives the speaker to output payment result audio.
    Type: Grant
    Filed: July 31, 2020
    Date of Patent: April 6, 2021
    Assignee: Advanced New Technologies Co., Ltd.
    Inventors: Ran Bian, Huanmi Yin, Le Zhou
  • Patent number: 10970718
    Abstract: Implementations of the present specification disclose a payment method, apparatus, and device. In the case of face-to-face payment, the location information and the payment information are sent to the server through the terminal device of the first user, and the server generates a corresponding payment password and returns the corresponding payment password to the first user. The first user then forwards the payment password (for example, verbally, or forwarding using communication software, etc.) to the second user, and the second user then uploads the location and payment password of the second user to the server. The server performs matching or querying within a certain range based on the location of the second user, to determine whether a same payment password exists. If the matching or query is successful, payment is made.
    Type: Grant
    Filed: June 4, 2020
    Date of Patent: April 6, 2021
    Assignee: Advanced New Technologies Co., Ltd.
    Inventor: Shiqi Zhang
  • Patent number: 10963855
    Abstract: Improvements in a portable vehicle fueling kiosk is disclosed. The kiosk is constructed on a pallet or a skid that allows the kiosk to be placed, located or moved to a location where the fuel dispensing is desired. A fuel tanker that would normally dispense fuel to a storage tank of a gas station is connected to one side of the kiosk. The kiosk accepts payment by nearly any form of money, credit card or token to measure, dispense and bill or invoice the user. The kiosk can have a Wi-Fi or cellular communication to communicate with a user at a distance and can monitor, use, status and remaining fuel in the tanker. If a fuel tanker has been depleted additional tankers can be connected to the kiosk, and when the kiosk is no longer needed it can be transported to another location.
    Type: Grant
    Filed: March 22, 2018
    Date of Patent: March 30, 2021
    Assignee: DC Logistics
    Inventor: Robert Pier
  • Patent number: 10963857
    Abstract: Methods are disclosed for processing electronic transactions between a merchant and a consumer based on physical geography. A method includes receiving payment data associated with a consumer payment card; transmitting the payment data, over a network, to a third party; receiving, over the network, information for determining whether a geofence associated with the merchant matches a geofence associated with the consumer; and processing a transaction with the consumer based on whether the consumer geofence ID matches a geofence ID associated with the merchant. Systems for processing electronic transactions between a merchant and a consumer based on physical geography are also disclosed.
    Type: Grant
    Filed: March 8, 2013
    Date of Patent: March 30, 2021
    Assignee: Verizon Media Inc.
    Inventors: Philip J. Philliou, Dean S. Pappas, Jonathan I. Brod, Kenneth H. Dichter, Timothy J. Lemmon
  • Patent number: 10963856
    Abstract: A method including receiving, at a transaction system from a first entity, a request including a merchant public identifier associated with a merchant. The transaction system can be in data communication with a first financial institution that maintains a first account of a consumer and a second financial institution that maintains a second account of the merchant. The transaction system can be maintained by an entity that is different from the merchant, the first financial institution, and the second financial institution. The consumer can use a mobile device at a store of the merchant to pay for one or more items in a transaction. The mobile device can receive a transaction code from a point-of-sale terminal at the store. The transaction code can include a transaction identifier, a payment amount for the transaction, the merchant public identifier, and a digital signature. The transaction code can be verified by the mobile device using the digital signature of the transaction code.
    Type: Grant
    Filed: January 17, 2018
    Date of Patent: March 30, 2021
    Assignee: EARLY WARNING SERVICES, LLC
    Inventors: Paul Finch, Lou Anne Alexander, Aaron Bartrim
  • Patent number: 10956888
    Abstract: A method including determining, at a point-of-sale terminal at a store of a merchant, a payment amount for one or more items to be purchased from the merchant by a consumer in a transaction. The method also can include generating a transaction code including a merchant public identifier, the payment amount, a transaction identifier for the transaction, and a digital signature.
    Type: Grant
    Filed: January 17, 2018
    Date of Patent: March 23, 2021
    Assignee: EARLY WARNING SERVICES, LLC
    Inventors: Paul Finch, Lou Anne Alexander, Aaron Bartrim
  • Patent number: 10956891
    Abstract: Techniques are disclosed for enabling more efficient tipping by providing a merchant the ability to reduce the time used on manually entering tip amounts. In one embodiment, a method includes automatically generating, by a point-of-sale (POS) system, a transaction receipt that indicates a plurality of selectable tip options, wherein said automatically generating the transaction receipt is based on one or more rules specified by a user of the POS system. The method further includes causing the transaction receipt to be printed as a printed receipt. The method further includes identifying, by the POS system, a one of the plurality of selectable tip options specified by a customer on the printed receipt. Among other benefits, the disclosed techniques reduce the time and effort the merchant needs to spend on collating the tipping at end of the business day.
    Type: Grant
    Filed: June 25, 2019
    Date of Patent: March 23, 2021
    Assignee: Square, Inc.
    Inventors: Bruce Bell, Mathew Wilson, Gerard Thomas Knight
  • Patent number: 10929825
    Abstract: The invention relates to a method for transmitting a message, emitted by a server of a merchant, to a communications terminal of a user. According to this method, the message is transmitted to the communications terminal indirectly by using at least one data transmission service specific to a server of a banking institution with which the user possesses a bank account.
    Type: Grant
    Filed: September 9, 2016
    Date of Patent: February 23, 2021
    Assignee: INGENICO GROUP
    Inventor: Vincent Ducrohet
  • Patent number: 10922727
    Abstract: Embodiments relate to a system, method and medium for facilitating automated distribution of a stated item to two or more receivers, where each of the receivers are associated with one or more entities. A selection device receives information indicating the receivers authorized to receive a stated item. The selection device is used to select which of multiple authorized receivers are to receive the stated item. Once the selector has made the selections, a stated item in a quantity determined by the selector is directed to the selected receivers.
    Type: Grant
    Filed: August 29, 2017
    Date of Patent: February 16, 2021
    Assignee: Mastercard International Incorporated
    Inventors: Prashant Sharma, Antonio Marra, Manash Bhattacharjee
  • Patent number: 10915887
    Abstract: A method for crediting a customer account maintained by a vendor of services in response to payment received from a customer is disclosed herein. The method includes issuing, to the customer, a membership account number associated with at least the customer account. A membership account number and a payment corresponding to a requested amount of a service offered by the vendor are received from the customer at a point-of-sale. The method further includes generating, at the point-of-sale, an authorization message including at least the membership account number and embedded transaction information identifying the service offered by the vendor and the requested amount. The embedded transaction information is then communicated from the point-of-sale to a database server. The customer account is credited, in response to the embedded transaction information, based upon an amount of the payment.
    Type: Grant
    Filed: February 18, 2019
    Date of Patent: February 9, 2021
    Assignee: EWI Holdings, Inc.
    Inventors: Miles Paschini, Marshall Rose
  • Patent number: 10909528
    Abstract: A computer-implemented method includes displaying, by a mobile wallet device, a selection interface on a user interface of the mobile wallet device. The selection interface includes: a first selection option, wherein in response to a user interacting with the first selection option via the user interface, the user interface displays a code capture interface allowing the user to capture a product code that identifies a product; and, a second selection option, wherein in response to the user interacting with the second selection option via the user interface, the user interface displays a product capture interface allowing the user to capture a product image of the product. The method includes: transferring, by the mobile wallet device, a payment for the product to a merchant from an account associated with the user; and responsive to transferring the payment, deactivating, by the mobile wallet device, a product security tag associated with the product.
    Type: Grant
    Filed: January 11, 2018
    Date of Patent: February 2, 2021
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Ashish Bhoopen Kurani, Melissa Lowry, Stephen M. Ellis
  • Patent number: 10885515
    Abstract: Apparatuses and methods for changing a financial account after initiating a payment using a proxy object, such as a proxy card, are disclosed. The proxy card is associated with multiple financial accounts, such as accounts associated with credit cards, debit cards, and pre-paid gift cards. A consumer presents the proxy card to a merchant to make a payment, and the merchant swipes the proxy card and processes the payment by sending transaction information to a financial system. A computer system associated with the financial system selects a payment account associated with the proxy card to use for the payment, and an authorization for the transaction is obtained. Later, the consumer is given a limited time within which he may change the financial account used for the payment, such as by using his mobile device to select a different account associated with the proxy card to use to obtain funds for the payment.
    Type: Grant
    Filed: October 15, 2018
    Date of Patent: January 5, 2021
    Inventors: Andrew Borovsky, Paul Aaron
  • Patent number: 10860413
    Abstract: A computer implemented method includes detecting point of sale (POS) terminal issues via a software agent executing on the POS terminal, generating an issue report that identifies the issues, labels the issues, and includes an issue description, and transmitting the issue report to a server to generate an interface for a mobile device that provides a graphical user interface (GUI) displayed on a display of the mobile device based on the transmitted issue report that identifies a status of at least one POS terminal.
    Type: Grant
    Filed: December 20, 2018
    Date of Patent: December 8, 2020
    Assignee: NCR Corporation
    Inventors: Helfe Padayao Marquez, Eunice Faith Batuhinay Pude
  • Patent number: 10860911
    Abstract: In certain embodiments, indication-related detectable changes on a transaction token may be facilitated. In some embodiments, a transaction card may determine a state of the transaction card (e.g., during an interaction with a transaction terminal). The transaction card may generate a signal related to a color based on the state of the transaction card and cause the signal to be transmitted to a change element of the transaction card. The change element may be configured such that the change element causes one or more edges or other portions of the transaction card to be (i) a first color in response to the signal being a first signal and (ii) a second color in response to the signal being a second signal. As an example, the portions of the transaction card may turn red when the signal is a first voltage and green when the signal is a second voltage.
    Type: Grant
    Filed: February 10, 2020
    Date of Patent: December 8, 2020
    Assignee: Capital One Services, LLC
    Inventor: Joerg Rings
  • Patent number: 10853702
    Abstract: A method includes acquiring a plurality of pictures of a single item to be classified placed on a checkout counter, the plurality of pictures corresponding to a plurality of shooting angles one to one, performing an object detection in each of the pictures to obtain a rectangular area image, the rectangular area image being an image corresponding to a rectangular area containing the item, obtaining a plurality of primary classification results correspondingly, according to the plurality of rectangular area images and a pre-trained first-level classification model, and obtaining a first-level classification result of the plurality of pictures according to the plurality of primary classification results and a pre-trained first-level linear regression model, using the first-level classification result as a first classification result and performing checkout according to the first classification result.
    Type: Grant
    Filed: September 8, 2017
    Date of Patent: December 1, 2020
    Assignee: YI TUNNEL (BEIJING) TECHNOLOGY CO., LTD.
    Inventor: Yili Wu
  • Patent number: 10846688
    Abstract: Token exchange systems, methods and apparatus are disclosed that allow a user to get access to a wired, wireless, or virtual network or the like by earning tokens to be used for said access, in which the user may earn tokens by making purchases or completing tasks in a token exchange system. In an exemplary embodiment, the user connects to a network, interacts with the network in order to earn tokens by making purchases through said network or completing tasks assigned by said network, and exchanges tokens for access time, whereby said user will be connected to the network or the internet for an amount of time commensurate with the amount of tokens exchanged for the access time.
    Type: Grant
    Filed: October 17, 2019
    Date of Patent: November 24, 2020
    Inventor: David Platt
  • Patent number: 10846689
    Abstract: A computer system, computer program product, and method includes detecting a request for sensitive information to be input by a user, determining that a network is a non-secure network, disabling a sensitive user information input function to prevent the user from entering sensitive information over the unsecure network, generating a unique identifier to be displayed on the computer, wherein the user scans the unique identifier with a mobile device to initiate an automatic transaction over a secure network between the mobile device and the computing system, validating the user operating the mobile device and completing the automatic transaction over the secure network with the mobile device rather than over the unsecure network with the computer.
    Type: Grant
    Filed: November 3, 2017
    Date of Patent: November 24, 2020
    Assignee: WALMART APOLLO, LLC
    Inventors: Mark Matthews, Daniel Eckert, David Martin Nelms, Todd Mattingly
  • Patent number: 10848994
    Abstract: A remote proximity bridge service receives respective specifications that indicate a respective proximity communication protocol (e.g., Wi-Fi, serial port, etc.) to be used by devices of a client-specified network. The service may then select different test devices to be used for testing the client-specified network, such that the selected test devices are capable of using the proximity protocol. The test devices may also be configured based on the specifications. A test device may communicate with another test device using bridge devices. The test device transmits a signal to a first bridge device according to a proximity protocol. The first bridge device converts the signal into a network protocol message and transmits the message to a second bridge device. The second bridge device converts the message into a signal and transmits the signal to the other test device. Performance results of the test devices may be transmitted to a client network.
    Type: Grant
    Filed: September 28, 2018
    Date of Patent: November 24, 2020
    Assignee: Amazon Technologies, Inc.
    Inventors: Mauricio Da Silva Miranda, Tiangang Song, Calvin Yue-Ren Kuo
  • Patent number: 10832367
    Abstract: A method of accessing media includes establishing a first network connection between a service provider device and a media device, wherein establishing the first network connection includes exchanging a set of network access parameters; establishing a second network connection between a user device and the service provider device; providing to a user device the set of network access parameters of the first network connection using the service provider device; and using the user device to control the media device, the user device using the set of network access parameters to mimic the first network connection with the media device.
    Type: Grant
    Filed: February 17, 2017
    Date of Patent: November 10, 2020
    Inventor: Justin Andrew Frankert
  • Patent number: 10803452
    Abstract: An electronic device and a method of payment are provided. The electronic device includes a secure module capable of storing at least one token, a first communication module, a second communication module, and at least one processor functionally or operatively connecting the secure module, the first and second communication modules to each other. The at least one processor is configured to control for determining at least one of the first and second communication modules as a communication module for performing a payment, and transmitting payment information containing a token related to the at least one of the first and second communication modules, from among the at least one token, to an external electronic device.
    Type: Grant
    Filed: January 23, 2020
    Date of Patent: October 13, 2020
    Assignee: Samsung Electronics Co., Ltd.
    Inventors: Eun Jik Kim, Heegyu Jin, Sridhar Rajiv Kavuri, Janghyuk Kim, Cholseo Park
  • Patent number: 10789587
    Abstract: Methods for wireless payments using the Bluetooth low energy (BLE) protocol are provided. A first method includes establishing a wireless-short range communication link from a communication device to a peripheral device associated with an access device. The communication device receives item level data associated with an item being processed by the access device. The communication device displays the item level data associated with the item and transmits payment data to the access device. A second method includes establishing wireless-short range communication link to from a peripheral device associated with an access device to a communication device. The peripheral device transmits item level data associated with an item being processed by the access device, wherein the communication device displays the item level data associated with the item and receives payment data from the communication device.
    Type: Grant
    Filed: December 15, 2015
    Date of Patent: September 29, 2020
    Assignee: Visa International Service Association
    Inventors: Thomas Bellenger, Paul Van Oppen, Chunxi Jiang
  • Patent number: 10783582
    Abstract: In one embodiment, a server is provided for providing real-time monitoring of spending limits. The server may include memory storing software instructions, and a processor(s) configured to execute the software instructions to perform operations. The operations may include determining that a user has interacted with a store item in a retail environment. The operations may also include accessing a user profile of the user that includes a savings goal of the user, and determining that purchase of the store item would meet at least one trigger condition associated with the savings goal. The operations may further include generating an analysis of the estimated impact of the purchase to the savings goal, and providing the analysis to a device for display to the user while the user remains within the retail environment.
    Type: Grant
    Filed: December 18, 2015
    Date of Patent: September 22, 2020
    Assignee: Capital One Services, LLC
    Inventors: Jason Deperro, Matthew Stern, Daniel Makoski, Makiko Taniguchi, Austin Anderson, Carl Cepress
  • Patent number: 10769612
    Abstract: A system for a customer initiated payment transaction includes a mobile device of a customer, a card of the customer having card information, and a merchant having merchant information and payment information. The mobile device is operative to process a card payment transaction by the steps of, the mobile device: receiving the merchant information and the payment information; being activated, for processing the card payment transaction, by the card; creating a payment authorization, request using the card information, the merchant information, and the payment information, and sending the payment authorization request to an acquirer; and receiving a result of the payment authorization request from the acquirer.
    Type: Grant
    Filed: September 13, 2017
    Date of Patent: September 8, 2020
    Inventor: Soo Hyang Kang
  • Patent number: 10755316
    Abstract: Content presented to a user of an online system is presented along with an option allowing the user to view one or more reasons for presentation of the advertisement content to the user and one or more characteristics of the user satisfying targeting criteria associated with the content. For example, a description identifying one or more selected characteristics of the user satisfying the targeting criteria is presented along with the content. The online system selects the one or more characteristics presented along with the content by applying one or more rules to characteristics of the user satisfying targeting criteria included in the content. The rules may account for accuracy of models used to determine whether the user has characteristics, revenue received by the online system from presenting content associated with targeting criteria identifying various characteristics, or prevalence of characteristics among users or targeting criteria of content.
    Type: Grant
    Filed: April 1, 2016
    Date of Patent: August 25, 2020
    Assignee: FACEBOOK, INC.
    Inventors: Gianluca Iannaccone, Matthew Hural
  • Patent number: 10755223
    Abstract: A logistic station includes a cabinet, a storage boxes in the cabinet, a volume measurement room, a volume measurement system, a user interface and a controller. The volume measurement room has a bottom plate and a ceiling. The volume measurement system in the volume measurement room measures the volume of a consignment. The volume measurement room includes a rangefinder and an image capturing device. The rangefinder on the ceiling measures the height of the consignment placed on the bottom plate. The image capturing device is disposed on the ceiling and captures an image toward the bottom plate. The user interface disposed in the cabinet displays information and receives shipping information and a shipping fee. The controller calculates the volume information according to the image and the height, calculates the shipping fee according to the volume information and the shipping information, and controls one of the storage boxes to open.
    Type: Grant
    Filed: December 28, 2016
    Date of Patent: August 25, 2020
    Assignee: INDUSTRIAL TECHNOLOGY RESEARCH INSTITUTE
    Inventors: Chao-Hui Tu, Ching-Tsung Cheng, Yung-Ping Tien, Yong-Ren Li, Wei-Syuan Syu, Yan-Ling Liao