Interconnection Or Interaction Of Plural Electronic Cash Registers (ecrs) Or To Host Computer (e.g., Network Detail, Transfer Of Information From Host To Ecr Or From Ecr To Ecr, Etc.) Patents (Class 705/21)
  • Patent number: 10977703
    Abstract: A method for providing a confidence score for a seller in an online marketplace includes: storing account profiles, each including one or more unique account identifiers for one or more online marketplaces; storing activity data entries, each including data for transactional activity in an online marketplace including a marketplace identifier, two or more transacting account identifiers, and activity data; receiving a confidence request that includes a specific account identifier and marketplace identifier; identifying a specific account profile that includes the specific account identifier; identifying a set of activity data entries where a transacting account identifier matches a unique account identifier in the specific account profile; determining a confidence score for the specific account profile based on the activity data included in the identified set of activity data entries; and transmitting the confidence score in response to the received confidence request.
    Type: Grant
    Filed: January 11, 2018
    Date of Patent: April 13, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Prashant Sharma, Manash Bhattacharjee, Joseph Hayes
  • Patent number: 10977742
    Abstract: Systems and processes may promote simplified and customized reconciliation of an entire period of time's transactions by a merchant computing system through the use of PSS batching techniques and related reporting. In embodiments, a merchant computing system may be able to reconcile an entire day of sales in a single received line item based on the merchant's single day total for a certain alternate form of payment provider. Embodiments employing the batching and reporting techniques can promote simplification and enhanced processing at a merchant computing system through avoidance of individual reconciliation of alternate forms of payment transactions and by reconciliation over a time-period range set by a merchant or set by an alternate form of payment provider.
    Type: Grant
    Filed: July 27, 2015
    Date of Patent: April 13, 2021
    Assignee: UNIVERSAL AIR TRAVEL PLAN, INC.
    Inventors: Jonathan Patrick Macy, Dawn Helene Maughan
  • Patent number: 10977679
    Abstract: Systems and methods to dynamically combine offer data records in accordance with predetermined rules such that the data records that are required to be monitored for processing are reduced and the computation efficiency in processing the transactions and relevant offers is improved in a transaction handler configured on an electronic processing network to process a huge amount of transactions in real time and a rapidly increasing number of offers.
    Type: Grant
    Filed: June 7, 2019
    Date of Patent: April 13, 2021
    Assignee: Visa International Service Association
    Inventors: Ilker Celikyilmaz, Raman Chinnappan
  • Patent number: 10964153
    Abstract: Provided is a sales system, comprising a sales terminal and a user terminal. The user terminal further comprises a user-side storage unit which pre-stores desired merchandise identification information, and a user-side communication unit which, when the user terminal has entered a communication area wherein communication with the sales terminal is possible, transmits via near-field communication to the sales terminal the desired merchandise identification information which has been pre-stored in the user-side storage unit.
    Type: Grant
    Filed: June 14, 2018
    Date of Patent: March 30, 2021
    Assignee: JAPAN TOBACCO INC.
    Inventors: Manabu Takeuchi, Takuma Nakano, Manabu Yamada, Taiji Miyakawa
  • Patent number: 10929821
    Abstract: The present disclosure is directed to a system and method for generating, securely storing, retrieving, and processing sales receipts for the purchase of goods and services using any convenient method of payment, with all buyer purchases being linked to their receipt account, that is independent of the seller's account or the payment account, providing both physical and electronic receipts with any receipt being readily identifiable by a purchaser, seller, credit card issuer, employer, financial institution, or other party or entity having a need to access the receipt and information included on it, and having a new taxonomy to characterize attributes of vendor independent and payment independent purchase receipts and employs and an analytics capability useful by buyers, sellers, and third parties.
    Type: Grant
    Filed: November 7, 2017
    Date of Patent: February 23, 2021
    Inventor: Hani Raouda El-Balah
  • Patent number: 10922670
    Abstract: A system for fulfilling orders under non-persistent network conditions includes point-of-sale terminals and a server. Each of the terminals generates state changes corresponding to one or more orders, queues the state changes in one or more durable order queues that correspond to the one or more orders, and transmits the state changes in the one or more durable order queues, from oldest to youngest, when operably connected to a network. The server is operably coupled to the terminals via the network, and receives the state changes, and transmits the state changes to the terminals.
    Type: Grant
    Filed: March 30, 2018
    Date of Patent: February 16, 2021
    Assignee: Toast, Inc.
    Inventor: Oleg Golberg
  • Patent number: 10909593
    Abstract: A subscription-based system for providing commerce information for one or more mobile devices for one or more merchants. Some techniques employed feature a subscription-based method for presenting commercial resources to a mobile device. The method involves receiving mobile device user information relating to a geographic location to locate one or more merchants within a subscription-based shopping network, and receiving mobile device user information relating to a merchant type within the subscription-based shopping network. The method also involves receiving, from a database over a communication network, information for one or more merchants associated with the mobile device user information for the geographic location and the merchant type, and presenting the associated merchant information on the mobile device.
    Type: Grant
    Filed: April 30, 2020
    Date of Patent: February 2, 2021
    Assignee: Hothand, Inc
    Inventor: Randy Jaramillo
  • Patent number: 10911918
    Abstract: Embodiments of the present invention provide an access method to implement access of an IoT gateway. A specific solution includes: UE obtains an address of the to-be-connected IoT gateway. An IoT cloud platform allocates, to the MAPP installed on the UE, a unique access identifier corresponding to the MAPP. The UE provides an address of the IoT cloud platform and the allocated access identifier for the IoT gateway whose address is already learned. The IoT gateway adds the access identifier to a registration message, and sends the registration message to the IoT cloud platform. The IoT cloud platform binds the IoT gateway to the MAPP corresponding to the access identifier included in the registration message, so as to complete access of the IoT gateway.
    Type: Grant
    Filed: September 28, 2018
    Date of Patent: February 2, 2021
    Assignee: Huawei Technologies Co., Ltd.
    Inventor: Yongjun Xia
  • Patent number: 10902375
    Abstract: In some embodiments, system, apparatuses and methods are provided useful for delivering packages. One such configuration may include storage lockers and a control circuit that detects proximity of delivery agents to a locker, and in response, sends a code to an agent that verifies the agent upon receipt of the code therefrom. In another configuration, the control circuit associates a storage locker with a customer profile, detects a customer approaching and a first authentication aspect, receives a second authentication aspect, and compares the authentication aspects with the customer profile. In another example, a control circuit associates a delivery container with a customer profile and the delivery agents handling the container, and upon receiving a package scan, compares the scan with aspects associated with responsible delivery agents. In another example, a control circuit receives sensed data from a customer and authenticates delivery by comparing the sensed data with delivery agent profiles.
    Type: Grant
    Filed: December 12, 2017
    Date of Patent: January 26, 2021
    Assignee: Walmart Apollo, LLC
    Inventors: Bruce W. Wilkinson, Todd D. Mattingly
  • Patent number: 10896415
    Abstract: Disclosed is a system for executing a computer process for processing a transaction. The system comprises a point-of-sale (POS) terminal, and an application support terminal (AST). The POS terminal comprises a POS processor and a POS memory device in communication with the POS processor and storing POS program instructions thereon. The POS processor is operative with the POS program instructions to receive transaction information comprising payment vehicle credentials of a payment vehicle for use in processing the transaction, and transaction details defining the transaction. The POS processor is further operative to determine, based on the transaction information, that the POS terminal cannot process the transaction, send the transaction information to the AST, the AST comprising an AST processor, and an AST memory device in communication with the AST processor and storing an application capable of processing the transaction using the payment vehicle credentials, and AST program instructions thereon.
    Type: Grant
    Filed: October 18, 2018
    Date of Patent: January 19, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Ravinder Wadhwa, Piyush Sharma, Navneet Jain
  • Patent number: 10891683
    Abstract: A delivery service (DS) computing device for item purchase and delivery is provided. The DS computing device displays a searchable interface that enables a user to select at least one merchant. The DS computing device receives at least one selected merchant location from the user, displays item data of the at least one selected merchant location, and receives cart data from the user. The DS computing device receives, from the user, a selection of a selected carrier, and transmits the cart data to the selected carrier. The DS computing device generates a secure virtual account number for the selected carrier. The secure virtual account number provides access to purchase funds for use, by the selected carrier, in purchasing the selected item. The DS computing device processes a payment transaction for the at least one selected item that includes the purchase funds and a delivery service fee.
    Type: Grant
    Filed: February 13, 2018
    Date of Patent: January 12, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Regan E. Harmon, Matthew Wease, William Raymond Bowie, Christopher T. Scholl
  • Patent number: 10853806
    Abstract: A method and an apparatus of obtaining location information are disclosed. According to the disclosed method, a server obtains transaction data uploaded by a terminal, determines a transaction device identifier and transaction address information included in the transaction data, and determines and stores location information of a transaction device corresponding to the transaction device identifier based on the transaction address information. Using the above method, the server is able to automatically record the location information of the transaction device through the transaction data uploaded by the terminal, without the need of manually recording the location information of the transaction device, thereby effectively enhancing the efficiency of obtaining the location information of the transaction device.
    Type: Grant
    Filed: August 28, 2015
    Date of Patent: December 1, 2020
    Assignee: ADVANCED NEW TECHNOLOGIES CO., LTD.
    Inventors: Hui Liu, Lin Zhou, Haohua Zheng, Huifeng Jin, Tiancheng Xiang
  • Patent number: 10839400
    Abstract: Determining relevant dates associated with a purchase of a product and allow for those dates to be sent as a reminder to the purchaser in a commerce environment.
    Type: Grant
    Filed: January 19, 2017
    Date of Patent: November 17, 2020
    Assignee: International Business Machines Corporation
    Inventors: Lisa Seacat DeLuca, Dana L. Price, Shelbee D. Smith-Eigenbrode
  • Patent number: 10827331
    Abstract: Aspects of the subject disclosure may include, for example, determining a first subscription for a communication device has expired. Further embodiments include receiving a first registration request from the communication device, detecting a bootstrap profile on the communication device, and providing according to the bootstrap profile, limited services to the communication device to subscribe to a second subscription for a second group of services. Additional embodiments include obtaining subscription information for the second subscription for the second group of services, adjusting an operational profile on the communication device according to the subscription information resulting in an adjusted operational profile, and receiving a second registration request for the communication device according to the adjusted operation profile.
    Type: Grant
    Filed: July 22, 2020
    Date of Patent: November 3, 2020
    Assignee: AT&T Intellectual Property I, L.P.
    Inventors: Walter Cooper Chastain, James Hamilton, Jason Sikes, Stephen Chin
  • Patent number: 10827092
    Abstract: A multi-function printer is coupled to a mobile device via a proximity network interface. The multi-function printer determines a workflow specified by a user of the mobile device. An ephemeral token associated with the workflow is sent to the mobile user device. The mobile device uses the ephemeral token to create a payment packet that is sent to a payment server which sends a receipt in response thereto. The multi-function printer receives the receipt from the mobile device and in response to receiving the receipt, obtains a list of payments from the payment server. The multi-function printer performs the workflow based on validating the receipt against the list of payments.
    Type: Grant
    Filed: June 18, 2019
    Date of Patent: November 3, 2020
    Assignee: Palo Alto Research Center Incorporated
    Inventors: Eric A. Bier, Alejandro E. Brito, Shantanu Rane
  • Patent number: 10825093
    Abstract: In some embodiments, the instant invention provides a programmed system that includes at least the following components: a computer programmed with software instructions that include: code to periodically receive financial data of a plurality of customers from a plurality of financial-related entities related to a plurality of financial assets, code to consolidate the financial data into a consolidated financial data; code to analyze the consolidated financial data with at least one address-matching program; code to associate each record of the consolidated financial data with a respective eleven digit postal code to result in an address-enriched consolidated financial data; code to anonymize the address-enriched consolidated financial data to form an anonymous address-enriched consolidated financial data; and code to link information of the anonymous address-enriched consolidated financial data across a plurality data relationship to form a consolidate household view for each respective eleven digit postal c
    Type: Grant
    Filed: January 16, 2018
    Date of Patent: November 3, 2020
    Assignee: Broadridge Financial Solutions, Inc.
    Inventors: Joseph Vicari, Niten Jaiswal, Steven Krzemienski
  • Patent number: 10825049
    Abstract: A mobile device, include: a location determination device; a mobile application; a plurality of wireless communication devices; and a user interface for the mobile application. The mobile device is coupled, via wireless connections, with a wearable device to capture identification information of the object, a remote portal to determine whether data warehouse coupled with the portal stores a predetermined type of data associating the identification information and the mobile device; and if so, the mobile device generates an alert on the mobile device, and prompts the user to accept an operation related to the object. If the user accepts with operation, the mobile application is configured to monitor the location of the mobile device and initiate the operation based on the location of the mobile device.
    Type: Grant
    Filed: June 6, 2016
    Date of Patent: November 3, 2020
    Assignee: Visa International Service Association
    Inventors: Santosh Lachhman Achhra, Sergey Alex Paykis, Stanislav Igorevich Tsikine
  • Patent number: 10810562
    Abstract: Disclosed herein are system, method, and computer program product embodiments for completing the transaction at another ATM upon determining that an ATM where a transaction being performed is unable to complete the transaction. Upon detection of an error condition at the ATM, a current status of the transaction being performed at the ATM and the error condition may be analyzed to determine an option to complete the transaction. Upon determination that the transaction can be completed at the other ATM, a notification may be sent to the customer. In response to the notification, information identifying the transaction may be received from the other ATM, and a session identifying the transaction may be sent to the other ATM, thereby allowing the transaction to complete at the other ATM.
    Type: Grant
    Filed: January 10, 2020
    Date of Patent: October 20, 2020
    Assignee: Capital One Services, LLC
    Inventors: Nathaniel McKinnon, Ehab M. Awadallah, Jeremy J. Phillips
  • Patent number: 10805234
    Abstract: A closed loop processing interaction network in which the resource pool source of the user and the resource pool destination are both within the same organization or group of organizations. As such, resources associated with interactions may be distributed directly between the resource pools. The interactions may occur through communication between user computer systems (e.g., mobile devices, or the like) and/or interaction terminals of product providers (e.g., mobile devices, or the like). The interaction terminals of the product providers may create and allow for the use of interaction zones, which allows for the identification of users that are a part of the interaction network, allows users to receive specialized offers, allows for direct transfer of resources within an organization that by-pass traditional resource processing. The closed loop interaction network improves the processing speeds, memory requirements, security, and costs associated with processing resources related to interactions.
    Type: Grant
    Filed: October 8, 2018
    Date of Patent: October 13, 2020
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Joseph Benjamin Castinado, Charles Russell Kendall, Andrew S. Heiman
  • Patent number: 10796355
    Abstract: One or more embodiments are generally directed to techniques to provide specific vehicle recommendations. Various techniques, methods, systems, and apparatuses include utilizing user web-traffic and/or one or more tags generated by application of a machine learning model to a data source, where the data source may include language with respect to one or more automobiles or vehicles, to provide a recommendation for a particular automobile.
    Type: Grant
    Filed: December 27, 2019
    Date of Patent: October 6, 2020
    Assignee: Capital One Services, LLC
    Inventors: Micah Price, Qiaochu Tang, Jason Hoover, Geoffrey Dagley, Avid Ghamsari
  • Patent number: 10777044
    Abstract: The present invention relates to gaming systems and methods where a wager game may trigger a bonus round. A player may qualify for the bonus round at random or through satisfaction of some predetermined criteria. The player then participates in the bonus round, which may award bonus points at random or require the player to demonstrate skill, knowledge, or strategy to earn bonus points. Although a limited number of attempts in the bonus round may be awarded, the player has an option to re-buy attempts to continue enjoying the bonus round. Upon the satisfaction of certain criteria, which may include, but are not limited to, completion of the game or a decision by the player to end the bonus round, the player is returned to the original wager game.
    Type: Grant
    Filed: September 7, 2018
    Date of Patent: September 15, 2020
    Assignee: Zydexo, Inc.
    Inventors: Akber Mithani, Evgeny Bronnikov
  • Patent number: 10764732
    Abstract: Aspects of the subject disclosure may include, for example, determining a first subscription for a communication device has expired. Further embodiments include receiving a first registration request from the communication device, detecting a bootstrap profile on the communication device, and providing according to the bootstrap profile, limited services to the communication device to subscribe to a second subscription for a second group of services. Additional embodiments include obtaining subscription information for the second subscription for the second group of services, adjusting an operational profile on the communication device according to the subscription information resulting in an adjusted operational profile, and receiving a second registration request for the communication device according to the adjusted operation profile.
    Type: Grant
    Filed: September 30, 2019
    Date of Patent: September 1, 2020
    Assignee: AT&T Intellectual Property I, L.P.
    Inventors: Walter Cooper Chastain, James Hamilton, Jason Sikes, Stephen Chin
  • Patent number: 10755240
    Abstract: The present disclosure is directed to a system and method for generating, securely storing, retrieving, and processing sales receipts for the purchase of goods and services using any convenient method of payment. All buyer purchases are linked to their receipt account or account. The method includes the generation of both physical and electronic receipts with any receipt being readily identifiable by a purchaser, seller, credit card issuer, employer, financial institution, or other party or entity having a need to access the receipt and information included on it. The system and method also utilize a taxonomy to characterize attributes of purchase receipts and employs and an analytics capability useful by buyers, sellers, and third parties.
    Type: Grant
    Filed: May 6, 2016
    Date of Patent: August 25, 2020
    Inventor: Hani Raouda El-Balah
  • Patent number: 10735198
    Abstract: Example embodiments of systems and methods for data delegation and control through the use of tokenized data are provided. In an exemplary method of data delegation and control, a data device may store private information associated with a user and generate an access token, comprising tokenized data identifying the data device. The data device may transmit the access token to a user device through a front channel and receive an information request from a merchant device comprising the access token through a secure back channel. Upon authenticating the access token, the data device may transmit a portion of the private information to the merchant device through the secure back channel.
    Type: Grant
    Filed: November 13, 2019
    Date of Patent: August 4, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Qiaochu Tang, Jason Hoover, Micah Price, Stephen Wylie, Geoffrey Dagley
  • Patent number: 10713651
    Abstract: A method for a shared resource management system is discussed. The method includes managing a shareable digital artifact for sharing between applications hosted by a user devices. The shared artifact is accessible, at the same time, by first and second application. The use of the shared artifact by the first application makes the shared artifact unavailable for use by the second application. The method includes determining whether a notification is received from the first application indicating that the shared artifact is used by the first application at a merchant. The method includes, in response to a determination that the notification is received, marking the shared artifact used. In response to marking the shared artifact used, a used artifact notification is sent to the second application to indicate that the shared artifact has been used and it is unavailable for use by the second application.
    Type: Grant
    Filed: March 1, 2017
    Date of Patent: July 14, 2020
    Assignee: PayPal, Inc.
    Inventors: Sathish Vaidyanathan, Nikant Vohra, Aditya Bharadwaj, Akshay Goel
  • Patent number: 10706723
    Abstract: A system and method for addressing roadside parking issues are provided. The method includes: determining whether a parking fee has been paid for an on-street parking space, and if not, activating a detector of the corresponding parking meter; determining whether an object exists in the parking space and whether the object, if existing, is a vehicle, and if yes to both, activating a camera of the parking meter to obtain an image of the parking space; determining again whether the object is a vehicle by performing image and license plate recognition, and if yes, either prompting a parking enforcement officer to go to the parking space and issue a parking ticket or issuing the parking ticket automatically; updating the parking meter after the parking ticket is issued; and reducing the detection frequency. The method is labor-saving and reduces power consumption by the parking meter.
    Type: Grant
    Filed: March 19, 2019
    Date of Patent: July 7, 2020
    Inventor: Wei Chi Huang
  • Patent number: 10699273
    Abstract: A method for authorizing a mobile payment transaction is provided that is based on device locations. The method includes receiving, by a server, a request from a point of sale (POS) device to authorize a payment transaction involving a payment facilitating device. In an embodiment, the request includes payment information of the payment transaction and location information of the POS device. When the request is received, an authorizing client device for the payment transaction is identified based on the payment information from the payment facilitating device. The request to authorize the payment transaction is granted when it is determined that the authorizing client device is located within a predetermined distance from the POS device.
    Type: Grant
    Filed: November 7, 2017
    Date of Patent: June 30, 2020
    Assignee: LOOKOUT, INC.
    Inventors: Kevin Patrick Mahaffey, Brian James Buck
  • Patent number: 10664840
    Abstract: A system and method for validating user address information is disclosed herein. A computing system periodically polls a client device associated with a user to identify a current location of the user. The computing system records the current location of the user after polling and a time associated with the polling. The computing system receives one or more transactions from one or more third party vendors. The computing system identifies, based on the one or more transactions, a location and a time associated with each transaction in the one or more transactions. The computing system defines a geographic area. The computing system determines that a current primary address on file for the user is outside of the geographic area. The computing system prompts, based on the determining, the user to update the current primary address.
    Type: Grant
    Filed: May 28, 2019
    Date of Patent: May 26, 2020
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Michael Mossoba, Joshua Edwards
  • Patent number: 10657510
    Abstract: A sales data processing apparatus includes the following. A narrow area communication unit communicates with a predetermined terminal apparatus by wireless communication limited to a narrow area. A wide area communication unit communicates with the terminal apparatus by wireless communication throughout a wide area. A mode switching unit switches between a first mode in which wireless communication with the terminal apparatus using the narrow area communication unit is allowed but the wireless communication using the wide area communication unit is prohibited, and a second mode in which at least wireless communication using the wide area communication unit is allowed. A report mode which outputs sales data calculating predetermined transaction data is assigned to the first mode.
    Type: Grant
    Filed: May 16, 2018
    Date of Patent: May 19, 2020
    Assignee: CASIO COMPUTER CO., LTD.
    Inventor: Katsuyuki Itakura
  • Patent number: 10659647
    Abstract: An imaging device and a method of processing a document at the imaging device which includes receiving a message associated with the document, transmitting the message to a server communicatively connected to the imaging device, receiving an identifier of the message as stored in the server, converting the identifier to an image scannable by a mobile device, and adding the image to an output page of the document. An input language and an output language of the message associated with the document may be predetermined or may be received from a user of the imaging device.
    Type: Grant
    Filed: December 20, 2018
    Date of Patent: May 19, 2020
    Assignee: LEXMARK INTERNATIONAL, INC.
    Inventor: Neal Fredrick Vittitoe
  • Patent number: 10636041
    Abstract: Enterprise reputation evaluation techniques are disclosed. Reputation data extracted from each of a plurality of data sources is received. The reputation data is associated with a plurality of physical locations of an enterprise entity. An aggregate reputation score is determined for the entity using at least a portion of the received data. The aggregate reputation score is provided as output.
    Type: Grant
    Filed: July 9, 2012
    Date of Patent: April 28, 2020
    Assignee: Reputation.com, Inc.
    Inventors: Brent Michael Franson, Jeffrey James Piper, Thomas Gerardo Dignan, Shrey A. Bhatia
  • Patent number: 10621615
    Abstract: A system and method for providing an eCommerce provider with the ability to efficiently determine, retrieve, and compile rollup information from each vendor using the eCommerce provider is presented. Event are monitored to set a trigger when the event occurs. A rollup can be initiated regarding the item in question. Price and shipping information from each vendor of a particular item is collected and tabulated. Each item from each vendor can be verified to determine if any information is missing or is otherwise incorrect. The offerings from each vendor is ranked by a variety of different criteria. When the item in question is displayed to a user, the vendor being displayed is based on the ranking. Other embodiments also are disclosed.
    Type: Grant
    Filed: January 12, 2016
    Date of Patent: April 14, 2020
    Assignee: WALMART APOLLO, LLC
    Inventors: Bhupesh Tuteja, Shekhar Raj
  • Patent number: 10614021
    Abstract: A method of processing payment transactions includes receiving a connection request from a client device, determining whether a gateway is available for the client device, creating a connection between the client device and a gateway, the gateway being a previously existing gateway or a newly generated gateway, creating a message filter for the client device on a message bus, listening for messages on the message bus and transmitting the message to the client device by way of the gateway upon finding a message on the message bus matching the message filter.
    Type: Grant
    Filed: July 28, 2017
    Date of Patent: April 7, 2020
    Assignee: Worldpay, LLC
    Inventors: Walter Banks, Christopher Guthrie
  • Patent number: 10614451
    Abstract: The present disclosure relates to an account system for optimizing transactions for a user. In one implementation, the system may include at least one processor and a storage medium storing instructions that, when executed, configure the at least one processor to perform operations. The operations may include receiving, from the merchant system, merchant information for the transaction, retrieving, based on the account number, a database record from a database, the database record comprising the plurality of financial accounts associated with the user and user preferences, determining financial account data associated with each of the plurality of financial accounts, determining, using an optimization algorithm, a preferred financial account from the plurality of financial accounts based on the financial account data, the user preferences, and the merchant information, and selecting, based on the determination, the preferred financial account to complete the transaction.
    Type: Grant
    Filed: August 29, 2018
    Date of Patent: April 7, 2020
    Assignee: Capital One Services, LLC
    Inventor: Austen Novis
  • Patent number: 10595158
    Abstract: According to one embodiment, a network device includes an uplink port, a downlink port, a memory, and a processor. The processor is configured for providing a webserver; receiving a request from a mobile device of a user to establish a connection with the downlink port; establishing a first connection between the mobile device and the webserver via the downlink port; determining a media access control (MAC) address of the mobile device; receiving, from a server, user history information associated with the MAC address; and providing targeted information to the mobile device based on the user history information. The processor may be further configured for querying the server using the MAC address to obtain the user history information, collecting new user information and transmitting updated user history information to the server.
    Type: Grant
    Filed: October 14, 2019
    Date of Patent: March 17, 2020
    Assignee: BBoulder Investments, LLC
    Inventor: Hoang Thanh Tran
  • Patent number: 10581608
    Abstract: Embodiments for device pairing using optical codes are described. One embodiment is a host device with a memory and one or more processors configured to pair the host device with a wearable device. The paring involves generating and displaying an image including a first optical code, decoding decode a pairing advertisement from the wearable device, generating a second optical code, the second optical code comprising a host pairing advertisement code, and decoding a second pairing advertisement including the host pairing advertisement code. Additional embodiments involve, in response to the second pairing advertisement, establishing a communication channel between the host device and the wearable device, communicating keys between the host and wearable device, and using an application-level elliptic curve Diffie-Hellman (ECDH) exchange with the first key and the second key to establish a shared secret.
    Type: Grant
    Filed: September 26, 2017
    Date of Patent: March 3, 2020
    Assignee: Snap Inc.
    Inventors: Peter Brook, Nicolas Dahlquist, Matthew Hanover
  • Patent number: 10565585
    Abstract: A computer-implemented method of detecting associated payment devices comprises: receiving, by a processor from a payment network, transaction data representing a plurality of transaction records, a transaction amount, a transaction time, a terminal identifier, and a result code indicating success or failure of a transaction; identifying from said transaction records a declined transaction associated with a first payment device identifier, and determining a terminal identifier and transaction amount associated with the declined transaction; identifying from said transaction records a subsequent transaction occurring within a predetermined window of the declined transaction, the subsequent transaction being associated with the same terminal identifier and the same transaction amount as the declined transaction, the subsequent transaction being associated with a second payment device identifier that is different from the first payment device identifier; and storing, in a database, an association between the sec
    Type: Grant
    Filed: March 18, 2016
    Date of Patent: February 18, 2020
    Assignee: MASTERCARD ASIA PACIFIC PTE LTD.
    Inventors: Ashutosh Sharan, Sanket Rajendra Nerkar, Mayank Prakash
  • Patent number: 10555176
    Abstract: A mechanism for automatically registering Internet-of-Things (IoT) devices to an end-user account of an Internet-based resource, using a gateway that the end-user previously registered to the account. Various security alternatives are described that help avoid masquerading and other attacks on the home network of the end-user.
    Type: Grant
    Filed: March 22, 2019
    Date of Patent: February 4, 2020
    Assignee: TRANSFORM SR BRANDS LLC
    Inventors: Ajaykumar R. Idnani, Angel Fernando Favila
  • Patent number: 10546302
    Abstract: Disclosed herein is a method and system to establish a secure communication channel between a payment object reader and a payment terminal For this, the server determines whether a payment terminal has associated with an attestation ticket. The method further includes determining, whether to approve or deny the request for establishing the secure communication channel between the payment object reader and the payment terminal based on the attestation ticket. If the determination yields that the request has been approved, further generating a session approval interrupt having one or more session approval conditions; and sending the session approval interrupt to the payment terminal, where the session approval interrupt causes a secure communication channel to be established between the payment object reader and the payment terminal.
    Type: Grant
    Filed: June 30, 2016
    Date of Patent: January 28, 2020
    Assignee: Square, Inc.
    Inventors: Dino Dai Zovi, Janek Klawe
  • Patent number: 10531229
    Abstract: The disclosure relates to technology for determining a location of a user in a physical venue, the method comprising receiving, at a central processor, a signal from a wireless transmitter in the user's possession, the signal containing an encoded message and additional metadata, determining a location of the wireless transmitter in the physical venue based on the encoded message and the additional metadata, and outputting the location.
    Type: Grant
    Filed: January 30, 2018
    Date of Patent: January 7, 2020
    Assignee: Radius Networks Inc.
    Inventors: David Helms, Marc Wallace, Scott Yoder, Francis Nguyen
  • Patent number: 10509444
    Abstract: The present application provides a docking station and a POS machine using the same. The docking station includes a housing, a mainboard mounted inside the housing, a display device mounted on the housing, and a support configured to detachably support a card swiping device; the display device is mounted on the housing, the support is fixed on the housing, a data plug for connecting with the card swiping device is mounted inside the support, and the data plug is electrically connected with the mainboard. Such that the function of the card swiping device can be expanded and the docking station of the card swiping device is formed. By using the support to support the card swiping device, the occupied space can be reduced, and the use is convenient.
    Type: Grant
    Filed: August 3, 2017
    Date of Patent: December 17, 2019
    Assignee: PAX COMPUTER TECHNOLOGY (SHENZHEN) CO., LTD.
    Inventors: Shaowen Luo, Chenghe Yang, Jigui Li
  • Patent number: 10496342
    Abstract: In the coordination of a data conversion server and a storage server which belong to different security domains, a client terminal is able to replace an authorization token for accessing the data conversion server with a temporary URL on the storage server, the client terminal, which is located outside the data exchange server, will be able to issue a temporary URL without authorization, resulting in a file operation which is not intended by the data conversion server being performed. Scopes for allowing a client terminal to access the data conversion server and scopes necessary for the issuance of a temporary URL are separated from each other, and a limitation is imposed so that the scopes for the issuance of a temporary URL can be used only by the data conversion server, thereby enabling secure provision of a temporary URL to an external client terminal.
    Type: Grant
    Filed: December 1, 2015
    Date of Patent: December 3, 2019
    Assignee: CANON KABUSHIKI KAISHA
    Inventor: Kensuke Hirata
  • Patent number: 10491714
    Abstract: An interface gateway interfaces between a first device and a second device serving a hospitality establishment. The first device is one of a property management system (PMS) and a guest service device, and the second device is the other of the property management system (PMS) and the guest service device. One or more communication ports perform data communications with the first device and the second device. One or more processors receive a message from the first device, determine that the message is in a first format, convert the message from the first format to an internal data structure, parse the message in the internal data structure to determine that the message is applicable to the second device, determine that the second device supports a second format, convert the message from the internal data structure to the second format, and send the message in the second format to the second device.
    Type: Grant
    Filed: September 15, 2017
    Date of Patent: November 26, 2019
    Assignee: Guest Tek Interactive Entertainment Ltd.
    Inventors: Tsu-Kang Peng, Ellison W. Bryksa, Lea Lorenzo
  • Patent number: 10491936
    Abstract: A security system images a large amount of data through routine use which is difficult to transfer or share. In one embodiment, through the use of a cloud-based video service and an application program interface, the methods and systems disclosed herein comprise accepting a communication that identifies parameters associated with a video on a video server accessible via a network. The methods and systems further cause the video server to transfer the video via the network to a cloud-based video service location in response to the communication, and transmit a notification to a receiving party (or cause the cloud-based video service location to transmit the notification) in concert with the transfer of the video, which provides availability information of the video at the cloud-based service location. The methods and systems facilitate video sharing amongst parties.
    Type: Grant
    Filed: December 18, 2013
    Date of Patent: November 26, 2019
    Assignee: PELCO, INC.
    Inventors: Farzin Aghdasi, Kirsten A. Medhurst, Greg M. Millar, Stephen J. Mitchell
  • Patent number: 10482433
    Abstract: A transaction processing system for performing one or more steps of a method is disclosed. The system may receive user receipt preferences including rules specifying whether or not a user wants a receipt. The system may also receive (i) a purchase authorization request associated with an attempted purchase and (ii) user device location data. The system may further set a receipt flag corresponding to the receipt status. If the system determines that the transaction is to be authorized, it attaches the receipt flag to the authorization message and transmits the authorization message to the merchant. Alternatively, if the system determines that the transaction is not to be authorized, it attaches the receipt flag to the cancellation message and transmits the cancellation message to the merchant.
    Type: Grant
    Filed: April 25, 2019
    Date of Patent: November 19, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventor: Jeffrey Paul Myren
  • Patent number: 10482096
    Abstract: Computer systems, devices, and associated methods of providing distributed index searching are disclosed herein. In one embodiment, a method includes receiving, at a database server, search terms included in a search query for content from a member and in response to receiving the search terms, determining a subset of the distributed indices to be searched in response to the search query based on the received search terms and one or more records of searching features on the database server. The method also includes providing the determined list of distributed indices to be searched based on the search terms in the search query.
    Type: Grant
    Filed: February 13, 2017
    Date of Patent: November 19, 2019
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Nandakumar Raghunathan, Lokesh Bhoobalan, Ashwath Narayan Raghunathan, Thottam Sriram, Deiva Shankar UthayaSankaralingam, Robin Thomas, Tariq Sharif
  • Patent number: 10475003
    Abstract: Methods, systems, and computer program products for providing enhanced mobile transactions and payments are disclosed. A computer-implemented method may include receiving configuration information that allows a mobile payment system to request that a computing device use an application for a requested mobile transaction, sending a request to the computing device to use the application for the mobile transaction, receiving a response indicating whether the application is available to the computing device, automatically processing the mobile transaction using the application when the application is available to the computing device, and processing the mobile transaction using standard processing without use of the application when the application is unavailable to the computing device or the user wishes to use standard processing.
    Type: Grant
    Filed: December 30, 2015
    Date of Patent: November 12, 2019
    Assignee: PayPal, Inc.
    Inventor: Max Edward Metral
  • Patent number: 10475034
    Abstract: A payment terminal may include payment interfaces to receive payment information from payment devices such as chip cards and NFC payment devices. Monitoring components may monitor these payment interfaces. In addition, test requests may be transmitted to a payment device in order to elicit responses. The monitored information and the responses may be used by the payment terminal to determine whether a transaction is fraudulent or if a tamper attempt is ongoing, based on local test criteria. In addition, the monitored information and responses may be provided to a server, which may store the monitored information and responses, test for fraudulent transactions and tamper attempts based on server test criteria, and determine updates to the local test criteria.
    Type: Grant
    Filed: February 12, 2016
    Date of Patent: November 12, 2019
    Assignee: Square, Inc.
    Inventors: Max Guise, Andrew John Leiserson, Dino Dai Zovi
  • Patent number: 10460395
    Abstract: Embodiments of the present disclosure include a server that receives a plurality of financial transactions and stores information corresponding to those transactions in a database. The server can communicate with a client application to communicate transaction data and to display the transaction data in a conversational view. The conversational view includes a graphical user interface having one or more polygons that contain the transaction data.
    Type: Grant
    Filed: June 30, 2016
    Date of Patent: October 29, 2019
    Assignee: Square, Inc.
    Inventor: Brian Grassadonia
  • Patent number: 10445743
    Abstract: A non-serialized electronic product registration (ER) system and method which enables return qualification information to be provided upon request for non-serialized products. Retailer specific return policies are enforced by providing the ER system with retailer return policies for UPCs, SKUs, model numbers and/or other non-unique product identifiers. The retailer periodically provides information to the ER system that indicates the last date on which products having a particular non-unique identifier have been sold. The ER system then determine the last date on which such products can be returned and provides non-serialized return qualification information to the retailer upon request.
    Type: Grant
    Filed: March 24, 2014
    Date of Patent: October 15, 2019
    Assignee: e2Interactive, Inc.
    Inventors: Brian Cheney, Peter J. Junger