Having Interface For Record Bearing Medium Or Carrier For Electronic Funds Transfer Or Payment Credit Patents (Class 705/17)
  • 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
  • Patent number: 10740748
    Abstract: Techniques for improving card on file transactions are described. Transaction data associated with previous transaction(s) between a customer and merchant(s) can be received. Payment information associated with a payment instrument of the customer authorizable for a cost of a transaction between the customer and a merchant can be received. A suggestion that the payment information be stored in association with the merchant can be sent to the merchant device and/or a customer device, wherein the suggestion is based on the transaction data and/or information associated with the transaction. An instruction to store the payment information in association with the merchant can be received and, based at least partly on receiving the instruction, the payment information can be stored in association the merchant, wherein storing the payment information allows the merchant to use the payment information for subsequent transactions without again reading or receiving the payment information.
    Type: Grant
    Filed: August 23, 2018
    Date of Patent: August 11, 2020
    Assignee: Square, Inc.
    Inventor: Philip Zigoris
  • Patent number: 10740818
    Abstract: The present disclosure relates to systems and methods for facilitating shopping and purchasing. The systems and methods for facilitating shopping and purchasing use an identity tag as an item tracker and/or a transaction enabler.
    Type: Grant
    Filed: December 29, 2017
    Date of Patent: August 11, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: David Gabriele, Michael Pankratz, Callie Kooiker, Justin Smith, Matthew Mitchell, Matthew Dabney, Justin Wishne, Drew Jacobs
  • Patent number: 10733595
    Abstract: An appointment and payment handling system may operate to handle payments for appointments based on user locations at times associated with appointments. The appointment and payment handling system may determine if a location of a customer device associated with a customer associated with an appointment matches a location associated with the appointment. If the locations match, the appointment and payment handling system may create a payment record for a payment to the merchant from the customer based on the determination that the customer location matches the location associated with the appointment.
    Type: Grant
    Filed: January 11, 2018
    Date of Patent: August 4, 2020
    Assignee: Square, Inc.
    Inventors: Lauren A. Myrick, Evan Ginsburg, Willem Ave
  • Patent number: 10733826
    Abstract: A payment management system and a method of operating the same to receive payment before initiating an operating cycle of a cycle-based appliance is provided. The payment management system includes a payment device for receiving a non-cash payment from a user of the appliance. A payment processor communicates the payment to a controller of the appliance in the form of cycle credits, which may be stored in an encrypted credit storage bank. When a user attempts to initiate an operating cycle, the controller compares the available cycle credits to the number of required cycle credits, and only initiates the operating cycle if the number of available credits is equal to or exceeds the number of required credits. The payment management system may be included in any residential appliance and activated by the owner to enable pay-per-use functionality.
    Type: Grant
    Filed: September 7, 2018
    Date of Patent: August 4, 2020
    Assignee: Haier US Appliance Solutions, Inc.
    Inventors: Ryan James Scheckelhoff, Richard Dean Suel, II
  • Patent number: 10726477
    Abstract: In an example implementation, a method includes receiving, at a computing device, borrower information, requested financing plan information, and credit bureau information relating to a particular borrower. Likewise, a method includes processing at least one of the received information to identify a subset of lenders as potential candidates to approve a loan for the particular borrower and generate an offer of the loan for the borrower. Further, the method includes performing a portfolio assignment process and generating electronic documents relating to the loan following the borrower's acceptance of the offer. Finally, the method includes sending an offer of the loan to a borrower and, upon receipt of the borrower's acceptance, transmitting the loan documents to the borrower.
    Type: Grant
    Filed: June 22, 2015
    Date of Patent: July 28, 2020
    Assignee: GREENSKY TRADE CREDIT, LLC
    Inventors: David Zalik, Jeffrey Gold, Robert Lanier, Jacob F. Crowe, Robert W. Lee
  • Patent number: 10726399
    Abstract: Disclosed is a technology for collecting item-level transaction information for interactive payment experience. According to one embodiment, a merchant server can maintain a database including the information of financial accounts having a particular classification. The classification indicates that these financial accounts are associated with a payment service system. When the merchant server determines a requested financial transaction involves a financial account classified in the database, the merchant server transmits the item-level transaction information to the payment service system. The payment service system receives the item-level transaction information in real-time or near real-time and generates an interactive digital transaction receipt for a consumer.
    Type: Grant
    Filed: April 28, 2017
    Date of Patent: July 28, 2020
    Assignee: Square, Inc.
    Inventors: Paul Aaron, Zachary Brock
  • Patent number: 10713679
    Abstract: This disclosure is directed to techniques and systems to enable customers to make secure electronic payments to entities (e.g., merchants, vending machines, etc.). The entities may be at brick-and-mortar locations or other locations where the entities are “offline” and may not readily receive payments from customers that have payment accounts stored and managed by a host. In various embodiments, a customer may direct the host to transfer a payment to a merchant after the customer and merchant exchange a code that includes a payment instruction. The code may be used in place of usernames, passwords, or other personal information and may be difficult for others (e.g., bystanders, etc.) to intercept. After the exchange of the code, the customer may authorize the host to a transfer payment to the merchant based on the payment instruction.
    Type: Grant
    Filed: January 12, 2018
    Date of Patent: July 14, 2020
    Assignee: Amazon Technologies, Inc.
    Inventors: Bharath Kumar, Kevin J. Steuer, Jr.
  • Patent number: 10713678
    Abstract: The transaction system provides user a reward. The mobile device transmits the reward request including the user ID to the ePOS, the ePOS transmits the transaction data to the mobile device, the mobile device forwards the transaction data to the server, the server verifies the transaction data, the server transmits the reward data to the mobile device, the mobile device stores points.
    Type: Grant
    Filed: June 24, 2016
    Date of Patent: July 14, 2020
    Assignee: TENTEN KABUSHIKI KAISHA
    Inventors: Benjamin Koji Watanabe, Anthony Edward Weiss
  • Patent number: 10679174
    Abstract: A package shipping processing system is provided including a kiosk housing, a computer terminal with a video display, an input device such as a touch screen and/or keyboard, a data processor, and network data communications module. The package shipping processing system further includes a scale with a platform on which objects for shipment are placed and weighed, and an imaging device in communication with the computer terminal to transmit captured image data of objects for shipment. The data processor stores a fragility index which lists objects and different insulations which correspond to the listed objects. In use, shippers input the identification of an object to be shipped into the input device, and place the object on the scale for weight and dimensional determinations. The data processor analyzes the object's weight, fragility and dimensions to select a package and insulation for shipment.
    Type: Grant
    Filed: March 12, 2019
    Date of Patent: June 9, 2020
    Assignee: RAKESH HOLDINGS, LLC
    Inventor: Rakesh Tammattabattula
  • Patent number: 10664832
    Abstract: Methods and apparatus for operating a virtual wallet automatic loading system are described. In an embodiment, a virtual wallet server receives, from a consumer device, automatic-loading parameter data associated with funding a consumer's virtual wallet account, stores the automatic-loading parameter data, determines that at least one trigger condition associated with the consumer's virtual wallet account is met, and generates a standard authorization request message that includes an auto-load transaction amount and at least one payment account number (PAN) of a funding account. The process also includes the virtual wallet server routing the standard authorization message to a payment network authorization system, receiving an authorization response approved message, crediting the consumer's virtual wallet account and incrementing a stored value of the consumer's virtual wallet account, and transmitting an automatic-loading advisement message to the consumer device.
    Type: Grant
    Filed: December 1, 2017
    Date of Patent: May 26, 2020
    Assignee: Mastercard International Incorporated
    Inventors: Patrick Killian, Sandeep Malhotra
  • Patent number: 10666654
    Abstract: Aspects of the disclosure relate to linking channel-specific systems with a user authentication hub. In some embodiments, a computing platform may receive, from a telephone agent support computer system associated with a telephone agent channel, an authentication request for a user account. The computing platform may generate a set of one or more authentication prompts based on a set of authentication rules defined for the telephone agent channel and may provide the set of one or more authentication prompts generated based on the set of authentication rules defined for the telephone agent channel. Subsequently, the computing platform may validate one or more responses to the set of one or more authentication prompts. Based on validating the one or more responses, the computing platform may provide user account information associated with the user account to the telephone agent support computer system associated with the telephone agent channel.
    Type: Grant
    Filed: May 15, 2016
    Date of Patent: May 26, 2020
    Assignee: Bank of America Corporation
    Inventors: Mark A. Pender, Daniel L. Carpenter, Kapil Pruthi, Xianhong Zhang, Apeksh M. Dave, Elizabeth S. Votaw, Andrew T. Keys
  • Patent number: 10657173
    Abstract: Modifying computer program output in a voice or non-text input activated environment is provided. A system can receive audio signals detected by a microphone of a device. The system can parse the audio signal to identify a computer program to invoke. The computer program can identify a dialog data structure. The system can modify the identified dialog data structure to include a content item. The system can provide the modified dialog data structure to a computing device for presentation. The system can validate the dialog data structure output by the computing device for presentation.
    Type: Grant
    Filed: June 9, 2017
    Date of Patent: May 19, 2020
    Assignee: Google LLC
    Inventors: Laura Eidem, Alex Jacobson
  • Patent number: 10635961
    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: August 9, 2019
    Date of Patent: April 28, 2020
    Assignee: Capital One Services, LLC
    Inventor: Joerg Rings
  • Patent number: 10628819
    Abstract: A computing device for a vehicle is provided. The computing device includes one or more processors for controlling operation of the computing device, and a memory for storing data and program instructions usable by the one or more processors. The one or more processors are configured to execute instructions stored in the memory to determine when a vehicle is approaching a toll facility; locate available information relating to the toll facility; determine a type of toll payment desired; determine if, based on the available information, the vehicle can be autonomously driven into a payment lane that is in accordance with the type of toll payment desired; and if the vehicle can be autonomously driven into a payment lane that is in accordance with the type of toll payment desired, autonomously drive the vehicle into a payment lane that is in accordance with the type of toll payment desired.
    Type: Grant
    Filed: February 5, 2016
    Date of Patent: April 21, 2020
    Assignee: Toyota Motor Engineering & Manufacturing North America, Inc.
    Inventors: Christopher L. Rovik, Eric R. Schmidt
  • Patent number: 10621586
    Abstract: A system for predicting that a user session will be fraudulent. The system can analyze an incomplete session and determine the likelihood that the session is fraudulent or not by generating completed sessions based on the incomplete session.
    Type: Grant
    Filed: January 31, 2017
    Date of Patent: April 14, 2020
    Assignee: PAYPAL, INC.
    Inventors: Benjamin Hillel Myara, David Tolpin
  • Patent number: 10614431
    Abstract: A system for updating merchant on file payment data at a payment processor is provided. The system includes a merchant processing selection system receiving selection data for one of two or more types of on file payment data update processing. A merchant account update system receives the selection data and processes account update data based on the selection data.
    Type: Grant
    Filed: March 27, 2017
    Date of Patent: April 7, 2020
    Assignee: PAYMENTECH, LLC
    Inventors: Tonya Lin Carroll, Chantal Adair Gaspie, Gwen Ellen Murray, Lakshma Reddy Eapur
  • Patent number: 10614439
    Abstract: Methods and apparatus to obtain transaction confirmation are described. One example method includes emulating a payment method using a close-proximity communication device of a mobile device, establishing a close-proximity communication link using the close-proximity communication device of the mobile device, transferring payment information from the mobile device using the close-proximity communication device, switching the close-proximity communication device of the mobile device to an information receiving communication mode, and receiving a transaction confirmation at the close-proximity communication device of the mobile device. Other implementations are possible.
    Type: Grant
    Filed: November 10, 2017
    Date of Patent: April 7, 2020
    Assignee: BlackBerry Limited
    Inventors: Geoffrey Wendell MacGillivray, Vahid Moosavi, David Ryan Walker
  • Patent number: 10614437
    Abstract: A method of performing a point of sale (POS) payment transaction at a merchant location, the method including, in one or more electronic processing devices: (a) receiving a transaction request including an indication of a transaction identifier from the user device; (b) retrieving an indication of payment information from a merchant system using the transaction identifier; (c) requesting user account information from the user device; (d) receiving the user account information in response to user input; and (e) initiating payment authorization with a payment processing system using the payment information and user account information to enable the payment transaction to be performed.
    Type: Grant
    Filed: January 31, 2017
    Date of Patent: April 7, 2020
    Assignee: Mastercard International Incorporated
    Inventor: Arunmurthy Gurunathan
  • Patent number: 10607200
    Abstract: A point of sale system includes a merchant terminal and a customer terminal. The merchant terminal is configured to display a user interface (UI) window on the merchant terminal. The UI window on the merchant terminal displays a merchant-specific version of a screen displayed on the customer terminal. The merchant terminal receives updates from the customer terminal regarding the status of the payment portion for a transaction. The merchant terminal can provide an input to the UI window which is sent as a message to the customer terminal. Control of state for the point of sale system is shared such that when the system is in a first state, the merchant terminal is the state control terminal, and when the point of sale system is in a second state, the customer terminal is the state control terminal and has control of state for the system.
    Type: Grant
    Filed: April 25, 2017
    Date of Patent: March 31, 2020
    Assignee: Square, Inc.
    Inventors: Koun Han, Nicholas Dower, Raymond Ryan, Bruce Bell, Jared Travis Marr, Alexey Kalinichenko, Tien Nguyen
  • Patent number: 10607247
    Abstract: A computing apparatus includes: a transaction handler configured to process transactions in a payment processing network; a data warehouse configured to store transaction data recording the transactions processed at the transaction handler; a profile generator configured to generate, based on the transaction data, a profile including business activity data configured to identify a time period of active business, and a portal configured to communicate with a search engine to enhance search results using the business activity data.
    Type: Grant
    Filed: July 12, 2018
    Date of Patent: March 31, 2020
    Assignee: Visa International Service Association
    Inventors: Michelle Eng Winters, Vipul Bahety, Kevin Akerman
  • Patent number: 10588010
    Abstract: A method and system a system for activating a wireless service includes a subscriber identity module (SIM) card having a first surface, the SIM card including a subscriber identity module (SIM), and an activation code stored with the SIM card. The activation code is linked to the SIM. A wireless device configured to receive the SIM, where the SIM is configured to be utilized in the wireless device, the wireless device including: a memory that stores an operating system of the wireless device and a wireless service activation application, a processor that processes a function of the wireless device, a display that displays information to a user, the wireless service activation application is configured to capture the activation code that authorizes the wireless device on a wireless network and authorizes a predetermined amount of wireless service for the wireless device associated with said SIM.
    Type: Grant
    Filed: March 26, 2019
    Date of Patent: March 10, 2020
    Assignee: TracFone Wireless, Inc.
    Inventors: David Brooks, Sergio Rivera
  • Patent number: 10580066
    Abstract: Systems, methods, and computer-readable media are disclosed for systems and methods for personalizing portable shopping displays using mobile devices and inaudible tones. Example methods may include causing a first inaudible tone to be emitted by a speaker, the first inaudible tone configured to initiate a change in a user interface at a mobile device, determining a second inaudible tone from a user device using a microphone, the second inaudible tone including a user identifier of a user, and determining a user interaction with a product at a product display. Certain example methods may include determining user preference data, and causing presentation of product information for the product using the user preference data.
    Type: Grant
    Filed: October 16, 2017
    Date of Patent: March 3, 2020
    Assignee: Amazon Technologies, Inc.
    Inventors: William R. Hazlewood, Janet Ellen Galore, Alaa-Eddine Mendili, Dominick Khanh Pham, Jeff Gelfuso
  • Patent number: 10580027
    Abstract: A method of providing rewards-based payment method selection includes storing a plurality of payment account numbers in association with a tokenized financial account number. The method includes receiving user rewards preferences and a primary transaction authorization request. The method also includes generating a plurality of provisional transaction authorization requests and transmitting the provisional transaction authorization requests to one or more payment authorization servers. The method further includes receiving a plurality of provisional transaction authorizations and selecting a preferred payment account number based on the user rewards preferences. The method also includes transmitting a transaction authorization message to the merchant POS terminal to authorize the attempted transaction based on a provisional transaction authorization.
    Type: Grant
    Filed: November 7, 2018
    Date of Patent: March 3, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventor: Jeremy Rephlo
  • Patent number: 10565580
    Abstract: Systems, methods, processes, computer program code and means for conducting a payment transaction are provided which include activating a payment application of a mobile device, generating, using the payment application, an optical image representing payment account information associated with the payment application, said payment account information including at least one of a payment account number, an expiry date of the payment account number, and a dynamic verification code generated by the payment application; and presenting the optical image to a merchant transaction terminal for scanning to conduct the payment transaction.
    Type: Grant
    Filed: December 21, 2017
    Date of Patent: February 18, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Arthur D. Kranzley, John R. Wankmueller
  • Patent number: 10567959
    Abstract: For managing application data of different contactless card applications for a plurality of mobile communication devices (2), a card emulation module and application data for contactless card applications are transferred (S2, S3) by a computer system (1) to one of the mobile communication devices (2). The card emulation module is configured to control the mobile communication device (2) to emulate a contactless card module and to execute data transactions (S6, S7) via a close range wireless communication interface of the mobile communication device (2) using the application data. The computer system (1) maintains (S20, S30, S40, S50, S60) for the mobile communication devices (2) a card database with representations of the card emulation modules and their application data. The computer system (1) makes it possible to manage centrally and flexibly the application data of different contactless card applications and different application providers for a plurality of mobile communication devices (2).
    Type: Grant
    Filed: December 15, 2014
    Date of Patent: February 18, 2020
    Assignee: KABA AG GROUP INNOVATION MANAGEMENT
    Inventors: Paul Studerus, André Lüscher
  • Patent number: 10567039
    Abstract: A system and method of facilitating wireless charging of an electric vehicle (EV) include the EV performing service discovery and negotiation via a neighborhood aware network (NaN) to determine charging compatibility of a WiFi enabled charging station or another EV with the EV. The method also includes the EV requesting a reservation from the charging station or a charge from the another EV based on determining that the EV is compatible with the charging station or the another EV by broadcasting a request message that includes a packet with the request via the NaN.
    Type: Grant
    Filed: October 11, 2017
    Date of Patent: February 18, 2020
    Assignee: GM GLOBAL TECHNOLOGY OPERATIONS LLC
    Inventors: Rashmi Prasad, Lakshmi V. Thanayankizil
  • Patent number: 10552840
    Abstract: A payment transaction is performed at a POS (point of sale) device. The device includes a terminal component and a reader component. The reader component includes a contact interface for establishing a data signal path via conductive contact with an integrated circuit (IC) payment card. A payment transaction is initiated. The data signal path is established between the reader component and the IC payment card. The IC payment card is commanded to generate a cryptogram for verification by an issuer of the card. The cryptogram is received from the card. In response to receiving the cryptogram, a command is issued to disable contact reading operation by the reader component.
    Type: Grant
    Filed: December 21, 2016
    Date of Patent: February 4, 2020
    Assignee: Mastercard International Incorporated
    Inventors: Patrik Smets, Tim Stuart, Chirodeep Aikat, David Kenneth Meadon, David Anthony Roberts
  • Patent number: 10524299
    Abstract: In some cases, a provisioned electronic device may receive a request for configuration information from an unprovisioned device. In response, the provisioned device may determine configuration information to send to the unprovisioned device based at least in part on the contents of the request. Examples of configuration information may include network credentials for connecting to a wireless local area network, a registration token that identifies the unprovisioned device to a fulfillment service, and user preferences associated with a user of the provisioned device. Further, the provisioned device may send the configuration information to the unprovisioned device. Upon receipt of the configuration information, the unprovisioned device may utilize the configuration information to order products from the fulfillment service. In some instances, the provisioned device may obtain the configuration information from the fulfillment service.
    Type: Grant
    Filed: September 25, 2017
    Date of Patent: December 31, 2019
    Assignee: Amazon Technologies, Inc.
    Inventors: Robert Williams, Charles Louis Ward, Amir Frenkel, Roger Robert Webster, Andrew Jay Roths
  • Patent number: 10510056
    Abstract: Methods and systems for receiving a proximity payment account number (PPAN) with payment transaction data for a payment transaction from a mobile device, the PPAN selected from at least one PPAN; mapping the received PPAN to a primary account number (PAN); generating an authorization request for the payment transaction based on the PAN and the payment transaction data; receiving an authorization response message; and providing an output including the authorization response message and the PPAN.
    Type: Grant
    Filed: November 2, 2011
    Date of Patent: December 17, 2019
    Assignee: Mastercard International Incorporated
    Inventors: Ronald D. Carter, Simon Phillips, Jonathan Main
  • Patent number: 10497001
    Abstract: A server is operable to receive a media device identifying number (ID) and establish an association between a media device and a payment account and, in one embodiment, supports at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. A network and system includes a payment card processor server that is operable to receive a payment authorization request and to determine if an authorized media device generated a purchase selection message and to determine to approve a received payment authorization request based, in part, if the media device was authorized for the purchase selection based upon a received media device ID. The system is further operable to perform a key rotation to protect payment account information.
    Type: Grant
    Filed: January 21, 2016
    Date of Patent: December 3, 2019
    Assignee: Visa U.S.A. Inc.
    Inventor: Simon J. Hurry
  • Patent number: 10482435
    Abstract: A method of transferring money from a sender to a recipient using a third party money transfer service a point of sale device receiving transaction details for a requested money transfer; determining whether the requested transaction is an allowable transaction; and either aborting the transaction; attempting to identify the sender as an existing customer using the transaction details; using the sender's transaction history and the transaction details to determine whether to allow the requested transaction to proceed. If the requested transaction is allowed to proceed, the method includes creating a money transfer record for the requested transaction; associating a money transfer control number to the money transfer record; and using the transaction details to determine whether to monitor the requested transaction.
    Type: Grant
    Filed: August 25, 2017
    Date of Patent: November 19, 2019
    Assignee: The Western Union Company
    Inventor: Kristine Diehl
  • Patent number: 10467669
    Abstract: A system includes a processor configured to wirelessly instruct fuel dispensation initiation over a direct wireless connection between a vehicle and a refueling truck, responsive to a wireless request made by the refueling truck, the request including a valid token and a refueling truck MAC ID with which the wireless connection is established.
    Type: Grant
    Filed: January 22, 2018
    Date of Patent: November 5, 2019
    Assignee: Ford Global Technologies, LLC
    Inventors: Omar Makke, Joseph Wisniewski, Kevin Lee Helpingstine, Perry Robinson MacNeille, Nicholas Colella, David Hamilton, Matthew S. Blackburn, Aiswarya Kolisetty
  • Patent number: 10452590
    Abstract: Provided are a system and method for combining USB data streams. In one example, the method may include receiving, via an input port, a first universal serial bus (USB) input signal from a first device that is connected to the input port, receiving, via an interface, a second USB input signal from a second device, combining data from the first USB input signal and data from the second USB input signal to generate a combined USB data signal, and outputting, via an output port, the combined USB data signal to a third device that is connected to the output port. The system and method described herein can improve USB data transfer by combining USB data from multiple USB streams into a single USB output stream.
    Type: Grant
    Filed: November 28, 2017
    Date of Patent: October 22, 2019
    Assignee: 3X3
    Inventors: Eric Engstrom, Brad Bargen
  • Patent number: 10445791
    Abstract: An example customer assistance system and associated methods are described. The example customer assistance system includes a shopping cart, a customer assistance unit mounted on the shopping cart, and a location system disposed remotely from the shopping cart and the customer assistance unit. The customer assistance unit includes a light source oriented upwards relative to horizontal, and an actuator for actuating the light source into an illumination position. In the illumination position, the light source projects a light beam over the shopping cart. The locating system includes at least one image capturing device configured to scan a ceiling for the light beam and to determine a source location of the shopping cart based on a ceiling location of the light beam.
    Type: Grant
    Filed: August 15, 2017
    Date of Patent: October 15, 2019
    Assignee: Walmart Apollo, LLC
    Inventors: Robert James Taylor, Matthew Allen Jones, Aaron James Vasgaard, Nicholaus Adam Jones
  • Patent number: 10433246
    Abstract: Power is conserved in a mobile device having a lock screen wallpaper by: (1) identifying the mobile device is at a business location, (2) temporarily replacing lock screen wallpaper in the mobile device to an image having a scanning code, the scanning code encoding payment information for a cloud-based transaction at the business location, (3) activating a display of the mobile device and rendering the image having the scanning code as the lock screen wallpaper on the activated display of the mobile device which remains in the screen locked state; and (4) conserving power in the mobile device by providing the image having the scanning code as the lock screen wallpaper of the mobile device, without having to unlock the mobile device.
    Type: Grant
    Filed: April 21, 2016
    Date of Patent: October 1, 2019
    Assignee: AVANT-GRADE IP LLC
    Inventor: Ramraj Soundararajan
  • Patent number: 10425892
    Abstract: Power is conserved in a mobile device having a lock screen wallpaper by (1) identifying when the mobile device is at a business location, (2) temporarily replacing the lock screen wallpaper of the mobile device to an image having a scanning code (e.g., a QR code, a barcode, etc.), the scanning code encoding payment information for conducting a transaction at the business location, (3) activating a display of the mobile device and rendering the image having the scanning code as the lock screen wallpaper on the activated display of the mobile device which remains in the screen locked state, and (4) conserving power in the mobile device by providing the image having the scanning code as the lock screen wallpaper of the mobile device, without having to unlock the mobile device.
    Type: Grant
    Filed: April 21, 2016
    Date of Patent: September 24, 2019
    Assignee: AVANT-GARDE IP LLC
    Inventor: Ramraj Soundararajan
  • Patent number: 10410215
    Abstract: Embodiments of the disclosure enable one or more financial transactions to be processed based on a transaction score generated based at least in part on a delivery receipt history. A financial transaction processing computing device receives a request for authorization for a present financial transaction associated with a cardholder account, identifies a reference delivery receipt corresponding to a prior financial transaction associated with the cardholder account, analyzes the reference delivery receipt to generate a confidence metric indicative of a confidence in a legitimacy of the prior financial transaction, and generates a transaction score for the present financial transaction that is indicative of an expected risk associated with approving the request for authorization. Aspects of the disclosure provide for authorizing one or more financial transactions based on an authentication of a recipient associated with a prior financial transaction.
    Type: Grant
    Filed: May 10, 2016
    Date of Patent: September 10, 2019
    Assignee: Mastercard International Incorporated
    Inventor: Manoneet Kohli
  • Patent number: 10410232
    Abstract: Techniques are disclosed for utilizing NFC, beacon, geo-fencing and/or other technologies to select default virtual cards in virtual wallets and to enable promotions for individuals who utilize the default virtual cards to conduct transactions. A reconfiguration signal that designates a virtual card to be a default virtual card is transmitted to a mobile device having an installed virtual wallet application. The virtual wallet application determines whether it includes stored information corresponding to the virtual card identified by the reconfiguration signal. In response to determining that the virtual wallet application includes the virtual card identified by the reconfiguration signal, the virtual wallet application updates or confirms a default card setting of the virtual wallet application to designate the virtual card identified by the reconfiguration signal as the default virtual card. Promotions may be applied to transactions involving the default virtual card for a predetermined period of time.
    Type: Grant
    Filed: July 7, 2017
    Date of Patent: September 10, 2019
    Inventor: Harold Lueken
  • Patent number: 10402815
    Abstract: Embodiments of the invention facilitate payment transactions by integrating the image capture and image processing capabilities of certain mobile devices with the card-based payment transaction infrastructure. In some embodiments, a camera contained in a mobile device is used to capture an image of a barcode that is visible on the surface of a substrate. The barcode may represent or otherwise encode one or more of payment account data, consumer authentication data, consumer profile data, or other relevant information. In some embodiments, the captured image may be processed by the mobile device to extract the payment account data, authentication data, or other relevant data. This data may then be communicated to a data processing element that is connected to, or forms part of, a payment processing network in order to conduct the desired payment transaction.
    Type: Grant
    Filed: August 13, 2018
    Date of Patent: September 3, 2019
    Assignee: Visa International Service Association
    Inventors: Pankaj Sharma, Vikram Modi, Shantnu Singh
  • Patent number: 10380564
    Abstract: Various embodiments are related to apparatuses and methods for enabling a merchant to perform banking-type transactions for a customer. A merchant can use, for example, a sales system configured to be used by the merchant to sell goods to perform a banking-type transaction for a customer. The sales system can send information related to the banking-type transaction to, for example, a buyer/seller platform. When the banking-type transaction is a deposit, the merchant can receive funds for the deposit from the customer. The platform can credit the customer's financial account for the deposit amount by diverting payment card funds, received by the merchant for the sale of goods and processed by the platform, to the customer's financial account. When the banking-type transaction is a withdrawal, the platform can debit the customer's financial account and credit the debited funds to the merchant's financial account.
    Type: Grant
    Filed: December 5, 2013
    Date of Patent: August 13, 2019
    Assignee: Square, Inc.
    Inventors: Mathew Wilson, Daniel Phillip Neighman
  • Patent number: 10373151
    Abstract: A method includes receiving a request for a list of nearby user devices, where the list of nearby user devices will be sent to a merchant device, where the merchant device is associated with a merchant, where the merchant operates a plurality of merchant devices, and where the merchant device is included in the plurality of merchant devices; receiving a respective location for one or more user devices, where each user device is associated with the merchant; determining, for each of the one or more user devices, whether the user device is nearby the merchant device, based on the respective location, to the merchant device than the other merchant devices in the plurality of merchant devices; generating the list of nearby user devices based at least on the determination; and sending the list of nearby user devices to the merchant device.
    Type: Grant
    Filed: November 13, 2015
    Date of Patent: August 6, 2019
    Assignee: SQUARE, INC.
    Inventor: Bob Lee
  • Patent number: 10360647
    Abstract: A system and method are provided for remotely activating electromechanically controlled fuel dispensers. Each fuel dispenser is associated in a database with a unique identification code, and a first code is associated with an electronic payment system pre-identified by a fuel purchasing customer for automatic payment processing during fuel purchase transactions. In response to a wirelessly received identification code, the fuel dispenser associated in the database with the identification code that matches the wirelessly received identification code is identified, the identified fuel dispenser is activated to an active state in which the identified fuel dispenser is enabled to dispense fuel if the first code in the database matches a wirelessly received second code, and payment for the purchase of fuel dispensed from the identified fuel dispenser is automatically processed following activation thereof using the pre-identified electronic payment system associated with the first code in the database.
    Type: Grant
    Filed: February 26, 2015
    Date of Patent: July 23, 2019
    Assignee: Meijer, Inc.
    Inventors: David Scott Pallas, Brian Pugh
  • Patent number: 10324327
    Abstract: Display devices are provided. The first display device includes a plurality of pixels arranged with an interval therebetween; and an antenna radiator configured with one or more conductors that are arranged between the plurality of pixels. The second display device includes a substrate; a plurality of light emitting parts arranged on the substrate with an interval therebetween; and an antenna radiator configured with one or more conductors that are arranged between the substrate and the light emitting parts.
    Type: Grant
    Filed: May 26, 2016
    Date of Patent: June 18, 2019
    Assignee: Samsung Electronics Co., Ltd
    Inventors: Sang-Ho Lim, Seung-Tae Ko, Yoon-Geon Kim, Won-Bin Hong