Having Interface For Record Bearing Medium Or Carrier For Electronic Funds Transfer Or Payment Credit Patents (Class 705/17)
  • Patent number: 10290044
    Abstract: A user communicates, such as through text, a phrase or word to quickly place and pay for an order. The phrase corresponds to details of the order and one phrase can contain orders with multiple merchants. Once the phrase is communicated, a service provider or merchant determines the order from the phrase and processes the order, which may include transmitting order details to the merchant(s) and processing the payment(s) to the merchant(s) on behalf of the user.
    Type: Grant
    Filed: July 31, 2018
    Date of Patent: May 14, 2019
    Assignee: PAYPAL, INC.
    Inventors: Ruchi Bansal, Rajesh Ramanand
  • Patent number: 10282709
    Abstract: Embodiments of the invention are directed to systems and methods for stand-in processing using data driven capabilities. Transaction activity of an issuer may be monitored to detect a major incident and to automatically invoke stand-in processing. By modeling each individual account holder's behavior, improved authorization outcomes may be provided by a payment processing network during stand-in processing.
    Type: Grant
    Filed: April 7, 2014
    Date of Patent: May 7, 2019
    Assignee: Visa International Service Association
    Inventors: Gourab Basu, Steven Cracknell, Michael Mori
  • Patent number: 10275759
    Abstract: A system that allows for conducting merchant transactions independent of a POS system. The system employs both a merchant venue-specific website and a mobile app. A customer at the merchant venue logs into the website with his or her mobile phone, and the mobile app is automatically notified of the login. The venue keeps track of the customer's total bill amount in any way, and enters it into the mobile app, which in turn updates the website with the total amount owed. The customer can then pay his or her bill through the website, via his/her phone. In this manner, a quick and easy payment system is implemented, allowing users to pay with the card or payment method of their choice, without need for a POS system and without need for downloading or installing any additional software on their mobile device.
    Type: Grant
    Filed: September 25, 2015
    Date of Patent: April 30, 2019
    Assignee: CITYCHEERS MEDIA CORP.
    Inventors: Winston Jaeb, D'Arcy J. Laforge
  • Patent number: 10242368
    Abstract: Systems and methods provide software-based contactless payments. According to various embodiments, a system for software-based contactless payment includes a token manager that generates a token and provides the token to a mobile device of a customer for use with a transaction, a communication interface that receives the token in association with a transaction, and a processor that processes the token using to determine whether to authorize the transaction.
    Type: Grant
    Filed: October 17, 2012
    Date of Patent: March 26, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventor: Thomas S. Poole
  • Patent number: 10229384
    Abstract: A system for tracking an authenticated item is provided. The system includes an authentication device affixed to the item. An item registration system receives authentication device data from the authentication device and associated item data and stores the authentication device data and the associated item data. An owner registration system receives owner registration data after a buyer has acquired the item. A buyer verification system receives the authentication device data, the associated item data and the owner registration data and stores buyer verified data if the associated item data correlates to the owner registration data, such as if the external tag number or event data entered by the owner matches external tag number or event data for the item.
    Type: Grant
    Filed: July 13, 2015
    Date of Patent: March 12, 2019
    Assignee: PROVA GROUP, INC.
    Inventor: Tommy L. Davis, Jr.
  • Patent number: 10223676
    Abstract: A method and system to transfer payment to a seller of a network-based commerce transaction are described herein. The method includes performing a risk evaluation based on retrieved seller-specific data, and releasing funds from a holding account to the seller based on the risk evaluation.
    Type: Grant
    Filed: April 21, 2014
    Date of Patent: March 5, 2019
    Assignee: PAYPAL, INC.
    Inventors: Kevin John Yu, Joseph Chong, Alan Tien
  • Patent number: 10217097
    Abstract: An electronic payment terminal has a magnetic stripe payment card reader including a card passage reinforced in its lower part by a metal rail and a radio module integrated with at least one printed circuit board of the electronic payment terminal. The electronic payment terminal has a coupling device connected to the radio module via a metal part assembled with a plastic part. The coupling device is adapted to forming, with the metal rail, an antenna associated with the radio module.
    Type: Grant
    Filed: August 11, 2016
    Date of Patent: February 26, 2019
    Assignee: INGENICO GROUP
    Inventors: Herman Demir, Cyril Janot
  • Patent number: 10181120
    Abstract: An illustrative embodiment disclosed herein is an EMV certification system including a credit card simulator configured to program a probe with credit card data, a point of sale simulator configured to send transaction data to a payment terminal, a robotic arm configured to perform an action on the payment terminal, and a robot controller communicatively coupled to the robotic arm. The robot controller is configured to instruct the robotic arm to perform the action. The EMV certification system further includes a test coordinator communicatively coupled to the credit card simulator, the point of sale simulator, and the robot controller. The test coordinator is configured to request the robot controller instruct the robotic arm based on reading a response from the payment terminal.
    Type: Grant
    Filed: February 16, 2018
    Date of Patent: January 15, 2019
    Assignee: U.S. Bancorp, National Association
    Inventors: Elizabeth Holmes, Utthej Nukala, Jose Rivera, Terron Hyde, James Cantrell
  • Patent number: 10178114
    Abstract: A client device accesses content and performs actions at a remote application server via a user-agent application. The application server directs the user-agent application to a security verification system to retrieve and perform security tests. The security verification system receives information from the user-agent application describing characteristics of the user-agent application, and the security verification system selects a set of security tests to be performed by a security module executing in the user-agent application to verify that the user-agent application is accessing the application server consistent with the described user-agent application. The security verification system compares a set of test results with other user-agent applications and provides a token to the user-agent application to access the application server. The security module may also monitor and actions on the user-agent application to permit the security verification system to revise or revoke the token.
    Type: Grant
    Filed: September 15, 2015
    Date of Patent: January 8, 2019
    Assignee: PERIMETERX, INC.
    Inventors: Ido Safruti, Omri Iluz
  • Patent number: 10157382
    Abstract: Provided is a secure payment device. The secure payment device includes: a payment terminal on which a pin-pad including a keypad module is mounted and which is capable of communicating with a mobile terminal via a short-range communication; a mobile terminal accommodation unit coupled to one surface of the payment terminal to detachably couple the mobile terminal to the payment terminal; and a mounting unit screw-fastened to one surface of the payment terminal and including at least one fixing protrusion configured to slide into and be fixed at a fixing groove formed on one side surface of the mobile terminal accommodation unit, wherein the payment terminal includes at least one flexible protrusion configured to slide into and be fixed at a fixing groove formed on the other side surface of the mobile terminal accommodation unit.
    Type: Grant
    Filed: August 21, 2014
    Date of Patent: December 18, 2018
    Assignee: WOOSIM SYSTEM INC.
    Inventor: Il Bok Lee
  • Patent number: 10102683
    Abstract: A central monitoring station is linked to a plurality of remote terminals, such as payment terminals at a plurality of parking facilities. A two-way communication system enables communication between a customer who is remote from the central monitoring station and an attendant at the central monitoring station. The communication system may also allow the attendant to manipulate each remote terminal to collect data or troubleshoot or override the function of the terminal.
    Type: Grant
    Filed: August 4, 2014
    Date of Patent: October 16, 2018
    Assignee: Remote Technologies IP, LLC
    Inventors: Mark Pratt, David Harpold
  • Patent number: 10067637
    Abstract: There are provided systems and methods for application data displayed through a selectable application icon. A computing device, such as a mobile smart phone, may include one or more processing application, such as a payment application to utilize an online payment provider. The application may include a desktop or folder icon, or other visual icon that may be presented within an interface of the device's operating system. Additionally, the application may include application data normally presented to the user of the device during operation of the application. The application or the device's operating system may select an informational element of the application information to present to the user. The informational element may then be presented on the application icon while the application is unopened or executing in the background of the operating system. Multiple informational elements may be cycled through on the application icon.
    Type: Grant
    Filed: December 14, 2015
    Date of Patent: September 4, 2018
    Assignee: PAYPAL, INC.
    Inventor: David Paul Bozovich, Jr.
  • Patent number: 10068222
    Abstract: A mobile commerce system including a multiplicity of Mobile Device-Point of Sale Communication (MPC)-equipped mobile devices, a plurality of MPC-enabled Point-of-Sale (POS) devices, at least one POS configuration server for configuring the plurality of MPC-enabled POS devices, at least one MPC-equipped mobile device configuration server for configuring the plurality of MPC-equipped mobile devices and at least one mobile marketing platform server operative to introduce Transaction Value Certificate (TVC)-related functions and to communicate both with the at least one POS configuration server and the at least one MPC-equipped mobile device configuration server to coordinate operation thereof so that the MPC-enabled POS devices will be “tap-ready” for carrying out the TVC-related functions.
    Type: Grant
    Filed: May 1, 2015
    Date of Patent: September 4, 2018
    Assignee: VeriFone, Inc.
    Inventors: Dan Soffer, Yoav Elgrichi, Kay Hong Ng, Siang-Thye Khow, Benjamin Chua, Rolf Salomon, Itiel-Meir Maayan-Vilian
  • Patent number: 10062074
    Abstract: Techniques and arrangements for improving card on file transactions are described. For instance, a payment service may receive, from one or more merchant devices, transaction information associated with at least one transaction between a merchant and a customer, where the transaction information includes at least payment information of a payment instrument used during respective transactions. The payment service may then analyze the transaction information to compute a value associated with a transaction characteristic as indicated by the transaction information, determine that the value exceeds a threshold value, and, based on determining that the value exceeds the threshold value, send the customer a message requesting that the customer store the payment information with the merchant. The value associated with the transaction characteristic can include a total number of transactions, a total cost of transactions, or a frequency associated with the transactions between the merchant and the customer.
    Type: Grant
    Filed: November 30, 2016
    Date of Patent: August 28, 2018
    Assignee: Square, Inc.
    Inventor: Philip Zigoris
  • Patent number: 10055751
    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: February 25, 2014
    Date of Patent: August 21, 2018
    Assignee: Visa International Service Association
    Inventors: Michelle Eng Winters, Vipul Bahety, Kevin Akerman
  • Patent number: 10051567
    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) identifying a scanning code to be displayed over a portion of the lock screen wallpaper of the mobile device, the scanning code encoding payment information for conducting a transaction at the business location, (3) activating a display of the mobile device and displaying the scanning code over the portion of 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 scanning code over the portion of the lock screen wallpaper of the mobile device, without having to unlock the mobile device.
    Type: Grant
    Filed: April 21, 2016
    Date of Patent: August 14, 2018
    Assignee: AVANT-GARDE IP LLC
    Inventor: Ramraj Soundararajan
  • Patent number: 10043167
    Abstract: Mobile POS techniques are presented. A POS interface is configured and distributed to a mobile device over a network connection. The POS interface is a self-contained retail transaction system for a retailer. The mobile device is configured to execute the retail transaction system providing remote network or cloud-based services for data retrieval, and data storage to the retail transaction system on the mobile device. One or more retail transactions are processed on the mobile device via the POS interface.
    Type: Grant
    Filed: July 13, 2012
    Date of Patent: August 7, 2018
    Assignee: NCR Corporation
    Inventors: Clay Norris Hardin, Charles David Blevins, Dustin Burke, Jamie Grant Burks, Lawrence David Parker
  • Patent number: 10044858
    Abstract: A call processing system and method for providing a secondary information channel to a caller. Upon reception of a call from a caller to a customer service representative on a primary access channel determine a device (secondary device) associated with the caller that is separate from the device the caller is using for the primary access channel. The secondary device is to be used to provide a secondary information access channel. The secondary information access channel is complimentary to the primary access channel between the caller and the customer service representative and is utilized to deliver information content to the caller and/or provide other services supportive of the conversation with the company service representative.
    Type: Grant
    Filed: November 16, 2015
    Date of Patent: August 7, 2018
    Assignee: United Services Automobile Association (“USAA”)
    Inventor: John R. Harris
  • Patent number: 10043178
    Abstract: The present invention provides a method for conducting a transaction that includes receiving a pseudo account identifier that corresponds to a primary account identifier. The pseudo account identifier may be received at a portable wireless device and may be generated by a remote server computer. The portable wireless device can receive the pseudo account identifier over a first network and provide the pseudo account identifier to an access device. The access devices generally comprises a reader that can receive the pseudo account identifier, and thereafter send a message to request authorization of a transaction. The authorization request message may include the pseudo account identifier and is sent to a payment processing network. The authorization request message is sent to the payment processing network over a second network. The payment processing network may then process the authorization message and return a response that indicates if the transaction is authorized or not.
    Type: Grant
    Filed: May 29, 2012
    Date of Patent: August 7, 2018
    Assignee: Visa International Service Association
    Inventor: Mark Carlson
  • Patent number: 10044843
    Abstract: A computer-implemented method for topping up a mobile device account associated with a mobile device includes causing a wireless communication link to be established with the mobile device, receiving, via the wireless communication link, information indicative of identification of the mobile device, receiving information indicative of a desired payment associated with the mobile device account, and causing the desired payment to be applied to the mobile device account, at least in part by sending the information indicative of identification of the mobile device and the information indicative of the desired payment to one or more remote servers.
    Type: Grant
    Filed: December 1, 2017
    Date of Patent: August 7, 2018
    Assignee: INTELLIBOXES GROUP LIMITED
    Inventors: Somnath Sinha, Ranjith Tharayil Suresh
  • Patent number: 10037516
    Abstract: Systems and methods are provided for secure transactions according to one or more embodiments. According to an embodiment, a method for providing secure transactions comprises initiating a transaction via a point of sale device having a one time password generator. The method also comprises generating at least one password by the point of sale device. The method further comprises associating the at least one password with account information. The method further comprises transmitting the password associated with the account information to a remote location. If the transmitted password matches predetermined associated information at the remote location, the method further comprises confirming the transaction.
    Type: Grant
    Filed: January 3, 2014
    Date of Patent: July 31, 2018
    Assignee: PAYPAL, INC.
    Inventors: Upendra Mardikar, Rene Aeberhard
  • Patent number: 9972002
    Abstract: The specification and drawing figures describe and illustrate a point-of-sale payment system. The point-of-sale payment system includes a mobile wireless communications instrument having at least one data processor. The data processor is capable of automatically selecting a payment instrument for transmitting a payment sum across a mobile wireless communications network and, if necessary, a credit network. The point-of-sale payment system may also include a data transmission subsystem for receipt, storage, processing, and transmittal of data across the wireless communications network and/or the data transmission subsystem.
    Type: Grant
    Filed: January 15, 2014
    Date of Patent: May 15, 2018
    Assignee: QUALCOMM Incorporated
    Inventor: John Richard Roberts
  • Patent number: 9949576
    Abstract: A refrigerated counter system includes a refrigerated counter, 3D filming means arranged in such manner to take 3D images of the products contained in the refrigerated counter and of an area in front of the refrigerated counter, a PC connected to the 3D filming means to process statistic data according to the 3D images taken by the 3D filming means, and a CPU connected to the PC to control the operating parts of the refrigerated counter according to the statistic data processed by the PC.
    Type: Grant
    Filed: March 28, 2016
    Date of Patent: April 24, 2018
    Assignee: INDUSTRIE SCAFFALATURE ARREDAMENTI—ISA S.R.L.
    Inventor: Marco Giulietti
  • Patent number: 9922641
    Abstract: The subject matter of the disclosure is embodied in a method that includes receiving input speech data from a speaker in a first language, and estimating, based on a universal speech model, a speaker transform representing speaker characteristics associated with the input speech data. The method also includes accessing a speaker-independent speech model for generating speech data in a second language that is different from the first language. The method further includes modifying the speaker-independent speech model using the speaker transform to obtain a speaker-specific speech model, and generating speech data in the second language using the speaker-specific speech model.
    Type: Grant
    Filed: October 31, 2012
    Date of Patent: March 20, 2018
    Assignee: Google LLC
    Inventor: Byung Ha Chun
  • Patent number: 9911116
    Abstract: Introduced here is a technology that enables fraud detection and protection in financial transactions using a communication signal identification mechanism. The technology eliminates the uncertainties as to the authenticity of a payment card and/or a customer involved in a financial transaction, such as a payment transaction. In at least some embodiments, methods and systems are disclosed for facilitating establishment of a card presence through communication with a payment card being used in a transaction instantiated on a merchant's POS device. The payment card can be in the form of a smartcard with embedded BLE or any other smart chip (e.g., GPS, Wi-Fi, 4G, LTE, etc.) capable of transmitting a communication signal that contains identifying information, which can be used to establish the card presence.
    Type: Grant
    Filed: May 6, 2014
    Date of Patent: March 6, 2018
    Assignee: SQUARE, INC.
    Inventors: John Lewis, Stephen Karl Touset
  • Patent number: 9892406
    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: December 19, 2016
    Date of Patent: February 13, 2018
    Assignee: EWI HOLDINGS, INC.
    Inventors: Miles Paschini, Marshall Rose
  • Patent number: 9881102
    Abstract: A computer provides a search interface that accesses multiple search providers, and aggregates their suggestions, providing a single, unified suggestion view across the multiple search providers. Suggestions are received from the multiple sources, such as a search engine on the internet or other public resource, and a search tool on the computer that accesses local or private resources. The suggestions are combined, ranked and displayed as a list to the user, from which the user is able to select.
    Type: Grant
    Filed: April 22, 2013
    Date of Patent: January 30, 2018
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Jon Gordner, Max Morris, Alexander Hills, Xiao Wei, Gaurav Anand, Elbio Abib
  • Patent number: 9875471
    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: September 26, 2014
    Date of Patent: January 23, 2018
    Assignee: Square, Inc.
    Inventors: Lauren Myrick, Evan Ginsburg, Willem Ave
  • Patent number: 9875455
    Abstract: An automated storage and retrieval system for customers and vendors/service providers to pick up and drop off packages such as parcels, dry-cleaning/laundry, and the like. The present invention may provide a convenient point for users to pick up or drop off items. In varying embodiments, the system may be particularly useful in multi-unit residential buildings, retail stores and other store-fronts, as stand-alone kiosks in popular locations such as department stores, train stations, malls, street corners, and the like.
    Type: Grant
    Filed: June 23, 2015
    Date of Patent: January 23, 2018
    Assignee: Anytime Depot, LLC
    Inventors: Tony Cassady, James Faver, Donald Kemp, Blaine Nounamo
  • Patent number: 9842333
    Abstract: The present invention extends to methods, systems, and computer program products for transferring digital receipt data to mobile devices. A point-of-sale (“POS”) system generates digital receipt data as part of a sales transaction. The point-of-sale (“POS”) system and a mobile device, possibly also along with a receipt data server, interoperate with one another to transfer digital receipt data generated to the mobile device. In some embodiments, the point-of-sale (“POS”) system transfers digital receipt data for a sales transaction to the receipt data server. An identifier, such as, for example, an application identifier or transaction identifier, is stored along with the digital receipt data to match the digital receipt data with the mobile device. The mobile device subsequently uses the identifier to access the digital receipt data from the receipt data server. In other embodiments, the point-of-sale (“POS”) system transfers digital receipt data directly to the mobile device.
    Type: Grant
    Filed: July 23, 2012
    Date of Patent: December 12, 2017
    Assignee: WAL-MART STORES, INC.
    Inventors: Stuart Argue, Anthony Emile Marcar
  • Patent number: 9843931
    Abstract: An electronic device includes a display module, an NFC (Near-field Communication) module, a verification module and a control module. The display module is disposed on a first surface of the electronic device. The NFC module includes an antenna unit. The antenna unit is configured to transmit and receive a wireless signal from an outward direction of the first surface. The verification module is disposed on a second surface of the electronic device. The verification module is configured to generate an identification input data according to an operation of a user. The control module is configured to drive the verification module to generate the identification input data when the NFC module receives an identification requirement data, and configured to determine whether the identification input data is valid.
    Type: Grant
    Filed: July 30, 2015
    Date of Patent: December 12, 2017
    Assignee: JIENG TAI INTERNATIONAL ELECTRONIC CORP.
    Inventors: Pei-Zong Rao, Yu-Pang Chou, Jyh-Hui Chang
  • Patent number: 9836795
    Abstract: Systems and methods are disclosed herein for processing data in connection with insurance information submissions. The system may be configured to receive entity data relating to an entity for which insurance coverage is sought, and query an interface of a third-party platform based on the entity data. The system may then be configured to receive third-party platform interface data from the third-party platform, analyze the data to determine a web site address for a web page on the third-party platform relating to the entity, and retrieve third-party platform web site data from the web page on the third-party platform indicative of content related to the entity. The system may be configured to pre-fill insurance forms relating to the entity based on the third-party platform data.
    Type: Grant
    Filed: May 6, 2014
    Date of Patent: December 5, 2017
    Assignee: Hartford Fire Insurance Company
    Inventors: Lucas Raymond Roberts, Shane Eric Barnes, Peter T. Bothwell
  • Patent number: 9747587
    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: May 15, 2013
    Date of Patent: August 29, 2017
    Assignee: The Western Union Company
    Inventor: Kristine Diehl
  • Patent number: 9741038
    Abstract: Systems and methods for facilitating risk assessment for point of sale transactions utilizing at least one risk triggering value (RTV) is disclosed. An RTV is a condensed version of a set of complex risk data and strategies usually found in central processing sites. After receiving a request for payment authorization, a risk value is calculated for the request. The distributed processing site compares the risk value to the RTV to determine whether to authorize payment. If the risk value is less than or equal to the RTV, the payment is authorized while a risk value greater than the RTV will not be authorized. The central site calculates a new RTV for the account and distributes the new RTV to the distributed processing site.
    Type: Grant
    Filed: December 7, 2015
    Date of Patent: August 22, 2017
    Assignee: III Holdings 1, LLC
    Inventors: Fred Bishop, Eric James Eldridge, William S. Schwarz, Jr.
  • Patent number: 9734521
    Abstract: Systems, device and techniques are disclosed for receiving content based on a subscription to channel by a user. An indication of a user subscription, by a user, may be received. The subscription may be for a channel associated with a channel manager for the channel. An indication of a content to be provided via the channel may be received from the channel manager for the channel. A determination may be made that the content value associated with the content is below an available user subscription value. The content may be automatically provided to the user, based on the determination and the content value may be deducted from the available subscription value.
    Type: Grant
    Filed: March 12, 2014
    Date of Patent: August 15, 2017
    Assignee: Google Inc.
    Inventors: Duncan John Curtis, Alexander Ruben Stacey McCarthy
  • Patent number: 9710804
    Abstract: Provided is a method for issuing single-use and multiple-use virtual payment cards via a mobile and wearable device. The method may include receiving a card issuance request from a user, prompting the user to enter a user authentication information, accessing a user account maintained by a card issuer, generating the virtual payment card based on payment data of the user account, and providing the virtual payment card to the mobile and wearable device. The method may continue with receiving a transaction request from a merchant and matching merchant identification data provided by the user in the card issuance request and merchant identification data provide by the merchant. If the match of the merchant identification data is determined, the method may continue with authorizing a payment transaction by transferring a payment amount from the virtual payment card to a merchant account associated with the merchant.
    Type: Grant
    Filed: November 7, 2016
    Date of Patent: July 18, 2017
    Inventors: Andrew H B Zhou, Dylan T X Zhou, Tiger T G Zhou, Zhou Tian Xing
  • Patent number: 9697507
    Abstract: A method, system and computer product for discount coupon acquisition, management and redemption. In one embodiment, the method comprises scanning a coupon with a portable computing device without establishing a data connection to the portable computing device. The method further comprises decoding a scanned image of the coupon for storage in the portable computing device, and generating information of the coupon by the portable computing device for redeeming the coupon.
    Type: Grant
    Filed: March 14, 2008
    Date of Patent: July 4, 2017
    Assignee: RICOH CO., LTD.
    Inventor: Andrea Mariotti
  • Patent number: 9697508
    Abstract: Existing infrastructure for processing credit card transactions at point-of-sale (POS) devices is leveraged to provide secure and convenient payment with a mobile device. A mobile transaction infrastructure that is integrated with the credit card interchange network receives information from the mobile device and passes this information to a gateway provider or a payment processor. By combining information from both the mobile device and the POS device, this backend infrastructure can uniquely identify a transaction and appropriately charge an account associated with the user of the mobile device. The transaction may be matched with the mobile device be based on location, time, transaction charge, and/or other factors.
    Type: Grant
    Filed: May 10, 2012
    Date of Patent: July 4, 2017
    Assignee: Amazon Technologies, Inc.
    Inventor: Harsha Ramalingam
  • Patent number: 9652756
    Abstract: A point of sale (POS) interface solution is provided to interface a POS system or POS terminal to an automated bar tending system, allowing a drink order to be entered into the automated bar tending system other than by a user interface on the automated bar tending system. The POS interface provides a drink order signal to a printer for printing a drink order on a ticket for processing a drink order and/or on a bill to present to the customer. The POS interface also provides a drink order signal to the automated bar tending system for displaying the drink order on the user interface.
    Type: Grant
    Filed: August 29, 2014
    Date of Patent: May 16, 2017
    Assignee: SMART BAR USA LLC
    Inventors: Fred Knecht, William Metropulos
  • Patent number: 9628877
    Abstract: A system includes a household appliance and a reception unit. The household appliance is configured to sense a property of a consumable that is used during the operation of the household appliance and to transmit data relating to the sensed property to the reception unit. The reception unit is configured to provide a piece of information on the basis of the data received from the household appliance. The reception unit has a position finding device that determines a physical position for the reception unit and provides the piece of information on the basis of the determined position.
    Type: Grant
    Filed: November 21, 2013
    Date of Patent: April 18, 2017
    Assignee: BSH Hausgeraete GmbH
    Inventor: Florian Metz
  • Patent number: 9619842
    Abstract: Embodiments of the invention relate to systems, methods, and computer program products for providing e-receipts to customers. Embodiments receive authorization from a customer for the customer to be enrolled in a point of transaction e-receipt communication program; receive transaction data corresponding to at least one transaction performed by the customer at a point of transaction of a merchant; and initiate communication, to the customer, of an e-receipt based at least in part on the received transaction data. Some embodiments receive authorization from a plurality of enrolling merchants for enrollment in the point of transaction e-receipt communication program; and build a cooperating merchant list comprising information corresponding to a plurality of cooperating merchants cooperating with a financial institution implementing the point of transaction e-receipt communication program.
    Type: Grant
    Filed: February 11, 2016
    Date of Patent: April 11, 2017
    Assignee: Bank of America Corporation
    Inventors: Joseph Neil Johansen, Farhan Ahmed Siddiqi, David Reed Godsman, David M. Grigg
  • Patent number: 9606982
    Abstract: The email suggestor system and method provide an efficient and effective way to capture a user identifier, such as an email address of a consumer in a retail environment. The email suggestor system generates one or more suggested first text portions based on input data, outputs at least one of the suggested first text portions, and receives a selection of a first text portion. The email suggestor system generates one or more suggested second text portions of a user identifier based on the input data, outputs at least one of the suggested second text portions, and receives a selection of a second text portion. The email suggestor system generates a user identifier including the selected first text portion and the selected second text portion. The email suggestor system uses received feedback response to refine and/or train one or more models with which it generates the suggested text portions.
    Type: Grant
    Filed: December 3, 2015
    Date of Patent: March 28, 2017
    Assignee: Groupon, Inc.
    Inventors: Evan MacMillan, Gaston L'Huillier, Sebastian Kreft, Francisco Larrain
  • Patent number: 9558494
    Abstract: Devices, systems, and methods for tokenizing sensitive information are provided herein. Methods may include the steps of receiving sensitive information via an input device, the input device being communicatively coupled to a transaction terminal, tokenizing the sensitive information at the input device to generate a token, and associating the token and the sensitive information together in a storage medium associated with the input device.
    Type: Grant
    Filed: April 13, 2011
    Date of Patent: January 31, 2017
    Assignee: TokenEx, L.L.C.
    Inventors: Jerald Dawkins, Alex Pezold
  • Patent number: 9524524
    Abstract: System, method, and computer program product are provided for using real-time video analysis, such as augmented reality to provide the user of a mobile device with real-time budgeting and wish lists. Through the use of real-time vision object recognition objects, logos, artwork, products, locations, and other features that can be recognized in the real-time video stream can be matched to data associated with such to provide the user with real-time budget impact and wish list updates based on the products and budget data determined as being the object. In this way, the objects, which may be products and/or budget data in the real-time video stream, may be included into a user's budget and/or wish list, such that the user receives real-time budget and/or wish list updates incorporating product and/or budget data located in a real-time video stream.
    Type: Grant
    Filed: February 16, 2016
    Date of Patent: December 20, 2016
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Matthew A. Calman, Erik Stephen Ross
  • Patent number: 9519932
    Abstract: System, method, and computer program product are provided for using real-time video analysis, such as augmented reality to provide the user of a mobile device with real-time budgeting and wish lists. Through the use of real-time vision object recognition objects, logos, artwork, products, locations, and other features that can be recognized in the real-time video stream can be matched to data associated with such to provide the user with real-time budget impact and wish list updates based on the products and budget data determined as being the object. In this way, the objects, which may be products and/or budget data in the real-time video stream, may be included into a user's budget and/or wish list, such that the user receives real-time budget and/or wish list updates incorporating product and/or budget data located in a real-time video stream.
    Type: Grant
    Filed: February 16, 2016
    Date of Patent: December 13, 2016
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Matthew A. Calman, Erik Stephen Ross
  • Patent number: 9495701
    Abstract: A system for decentralized ordering of goods and/or services such as food and/or drinks at a venue such as a hotel or restaurant is disclosed. The venue uploads a venue menu to an internet site via the venue's data device or computer. An order application is downloaded by prospective customers from the internet site to the mobile data device of each customer. In addition, the venue allocates a customer identification code to each customer which is stored in the customer's mobile data device. Therefore the customer can use his mobile data device to access the venue's menu and order items from the menu. Preferably the customer notifies his location within the venue and the order is delivered to the customer's location.
    Type: Grant
    Filed: April 3, 2012
    Date of Patent: November 15, 2016
    Assignee: AirService Digital Pty Ltd
    Inventors: Dominic Robert Bressan, Stefan Williams
  • Patent number: 9460459
    Abstract: A method of presentation in a network for the display of virtual content by a server computer comprising steps of hosting content hosts or websites on the network, wherein each content host is flexibly configured to enable another content host to be virtually incorporated into any other content host while preserving the composition of the content and the behavior of display of the content that is virtually displayed.
    Type: Grant
    Filed: October 31, 2007
    Date of Patent: October 4, 2016
    Assignee: UNOWEB VIRTUAL, LLC
    Inventor: John Almeida
  • Patent number: 9456319
    Abstract: A text-to-bill processing transaction system is described. A consumer transmits a text message having a merchant keyword component and a transaction details component. The merchant keyword component is used to find a select merchant server from a merchant server data store. The transaction details component is then routed to the select merchant server. The select merchant server then returns a charge amount corresponding to the transaction details component and a fulfillment message. A billing gateway then causes entry of the charge amount against a phone number in an accounts database of a carrier server. A success message transmission module transmits a text message back to the consumer that includes the fulfillment message. The fulfillment message may for example be a code that has to be entered by a consumer.
    Type: Grant
    Filed: February 20, 2013
    Date of Patent: September 27, 2016
    Assignee: Boku, Inc.
    Inventors: Katherine Ann Corner, Chia-ling Sung, John Ly
  • Patent number: 9444801
    Abstract: An example technique is provided for authenticating a first communication session. The technique includes receiving an indication that a first network device has established a first communication session with a user-side device. A second network device authenticates the first communication session by establishing a second communication session via session initiation protocol (SIP) or voice over Internet protocol (VoIP) communication with the user-side device before the user-side device directs a user password to the first network device in the first communication session. Also, private identification information of the user is retrieved from a database and sent to the user-side device in the second communication session. The user-side device compares the private identification information received in the second communication session to locally stored private identification information to determine whether the received private identification information matches.
    Type: Grant
    Filed: October 13, 2011
    Date of Patent: September 13, 2016
    Assignee: Alcatel Lucent
    Inventors: Yutang Luo, Yaoxian Zhang, Margi Rinaldo
  • Patent number: 9396465
    Abstract: A system, apparatus, and method for reducing fraud in electronic payment transactions. The apparatus includes a processor that executes instructions to implement a process to identify consumer or merchant devices that have been used in fraudulent transactions and prevent the authorization of future transactions that are initiated using those devices. By collecting device data as part of authorization messages and processing that data, devices that are used in fraudulent transactions with different merchants or involving different accounts may be identified and prevented from being the source of future transactions. This prevents future losses and reinforces the integrity of the transaction system.
    Type: Grant
    Filed: July 22, 2009
    Date of Patent: July 19, 2016
    Assignee: Visa International Service Association
    Inventor: Ayman Hammad