Buyer Or Seller Confidence Or Verification Patents (Class 705/26.35)
  • Patent number: 11366884
    Abstract: Systems for issuing authentication challenges based on fraud initiation requests are provided. The system may calculate a fraud risk level based on a fraud initiating request comprising identity-based data. In response to the fraud risk level indicating a risk of fraud, the system may generate an authentication challenge based on an authentication challenge type and an authentication challenge delivery channel. The system may transmit the authentication challenge and receive back an authentication challenge response. The system may verify the authentication challenge response and generate an authentication outcome based on the verification.
    Type: Grant
    Filed: February 14, 2018
    Date of Patent: June 21, 2022
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: David W. Liu, Pradeep Vallanur Ramesh, Rohit Chaturvedi
  • Patent number: 11348164
    Abstract: A computer-implemented method for providing electronic recommendation engines and displays of an apparel subscription application may comprise determining a status of the user as being a valid user of electronic closet recommendation engines and displays of an apparel subscription application; determining, if the user is a valid user, a presence of apparel data in an assistant section of an electronic record corresponding to the user in a database of the electronic closet recommendation engines and displays; and launching the assistant section of a user interface of the apparel subscription application, if the apparel data is present in the assistant section of the electronic record.
    Type: Grant
    Filed: September 4, 2020
    Date of Patent: May 31, 2022
    Assignee: CaaStle, Inc.
    Inventors: Arnab Bhattacharya, Georgiy Goldenberg, Aurelien Labonne
  • Patent number: 11334296
    Abstract: A service providing system includes a service providing server that provides a printer use service, and a terminal device, wherein the terminal device accepts a request by a user for withdrawal from the printer use service, and transmits, to the service providing server, request-for-withdrawal information indicating the accepted request for withdrawal, wherein the service providing server, when receiving the request-for-withdrawal information, determines an alternative fee plan that is different from a selected fee plan that the user has selected based on the form of use by the user of the printer use service, and transmits the alternative fee plan information indicating the determined alternative fee plan to the terminal device, and wherein the terminal device presents to the user the alternative fee plan indicated by the received alternative fee plan information.
    Type: Grant
    Filed: October 27, 2020
    Date of Patent: May 17, 2022
    Assignee: Seiko Epson Corporation
    Inventors: Norihiko Nakajima, Diego Albergoni, Mauro Bartoletti, Alberto Raviolo
  • Patent number: 11328273
    Abstract: Embodiments provide method and systems for determining connectivity information of payment network for a reliable payment transaction. The method includes receiving a connectivity information request before performing a payment transaction via payment network. The method includes generating a connectivity check message including a plurality of connectivity status flags associated with payment entities in payment network. The method includes sending the connectivity check message to the payment entities in a predefined sequence of a payment transaction flow in the payment network. The method further includes facilitating setting up the plurality of connectivity status flags based on a successful communication of the connectivity check message between the payment entities in the predefined sequence. The method includes determining if each of the plurality of connectivity status flags is set with the success state.
    Type: Grant
    Filed: November 15, 2019
    Date of Patent: May 10, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Venkatesh Jagalpure, Ketan Shrikant Joshi, Gaurav K Patni
  • Patent number: 11330392
    Abstract: The disclosed embodiments include methods, systems, and articles of manufacture for enabling beta testing of new features within a native application. In one embodiment, a native application executed by a client device may include executable instructions that are activated and executed only upon indication of a user belonging to a beta test group. The client device may receive a signal from a service or content provider that includes test group information indicating whether a user is a member of a test group. The client device may process the received signal to determine whether the user is a member of a test group and, if so, activates and executes certain instructions received as part of the native application that define a user interface enabling access to additional functionality unavailable to a user determined not to be a member of a test group.
    Type: Grant
    Filed: January 11, 2021
    Date of Patent: May 10, 2022
    Assignee: Capital One Services, LLC
    Inventors: Kjell Hegstad, Dennis Brandt
  • Patent number: 11328299
    Abstract: A system for authorizing electronic transactions using a form of a token possessing credentials of an account holder, wherein the system transmits a verification message to a terminal where this terminal is different from the one the electronic transaction is conducted on, and through this combination the system shall verify that the transaction is being conducted by the authorized owner of the token used.
    Type: Grant
    Filed: August 10, 2016
    Date of Patent: May 10, 2022
    Assignee: IPSIDY, INC.
    Inventors: Thomas Szoke, Maxim Umarov
  • Patent number: 11276105
    Abstract: A social gift registry provides tools to aid those planning for major milestones in life to engage a network of friends, family, and others in communicating information about the life event, helping to identify and track gifts for the celebrants, and enabling the management of the activities involved in the celebration.
    Type: Grant
    Filed: November 5, 2019
    Date of Patent: March 15, 2022
    Assignee: Transform SR Brands LLC
    Inventors: Marie Basa Macaisa, Katherine Susan Schneider, Varun Reddy Agasti, Sundaresan Chandrasekaran, Jose David Zayas, Gregory Drogaline, Leena Munjal
  • Patent number: 11276091
    Abstract: This application discloses an information processing method performed at an application server. The application server receives a first virtual article identifier and a first account sent by a terminal in response to an operation of a user on a virtual article presentation interface. The server generates and stores a first order including the first virtual article identifier and the first account, obtains a current bill provided by a payment system and forwarded by the terminal, and a second account used to log into the terminal. The server determines a second order corresponding to the current bill, associates the current bill with the second order when a virtual article identifier and an account in the second order are the same as the second virtual article identifier and the second account; and sends a virtual article corresponding to the second virtual article identifier to the second account.
    Type: Grant
    Filed: March 18, 2019
    Date of Patent: March 15, 2022
    Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED
    Inventors: Zhiyong Lu, Wenxin Chen, Xi Xiong, Ningguo Chen, Qiang Fei, Xunmao Zheng, Songjian Wang, Jianwei Deng, Wuling Qin, Yi Ding
  • Patent number: 11250487
    Abstract: Computer vision and image characteristic search is described. The described system leverages visual search techniques by determining visual characteristics of objects depicted in images and comparing the determined characteristics to visual characteristics of other images, e.g., to identify similar visual characteristics in the other images. In some aspects, the described system performs searches that leverage a digital image as part of a search query to locate digital content of interest. In some aspects, the described system surfaces multiple user interface instrumentalities that include images of patterns, textures, or materials and that are selectable to initiate a visual search of digital content having a similar pattern, texture, or material. The described aspects also include pattern-based authentication in which the system determines authenticity of an item in an image based on a similarity of its visual characteristics to visual characteristics of known authentic items.
    Type: Grant
    Filed: April 18, 2019
    Date of Patent: February 15, 2022
    Assignee: eBay Inc.
    Inventors: Robinson Piramuthu, Timothy Samuel Keefer, Kenneth Clark Crookston, Ashmeet Singh Rekhi, Niaz Ahamed Khaja Nazimudeen, Padmapriya Gudipati, Shane Lin, John F. Weigel, Fujun Zhong, Suchitra Ramesh, Mohammadhadi Kiapour, Shuai Zheng, Alberto Ordonez Pereira, Ravindra Surya Lanka, Md Atiq Ul Islam, Nicholas Anthony Whyte, Giridharan Iyengar, Bryan Allen Plummer
  • Patent number: 11238363
    Abstract: A device may receive information that identifies a requirement. The device may receive information associated with a set of positive entities and a set of negative entities. The device may identify a set of priority terms based on the information associated with the set of positive entities and the set of negative entities. The device may identify a first set of ancillary terms and a second set of ancillary terms based on the information that identifies the set of priority terms. The device may generate a model based on the set of priority terms, the first set of ancillary terms, and the second set of ancillary terms. The device may determine a set of classification scores, for a set of unclassified entities, based on information associated with the set of unclassified entities and the model. The device may provide information that identifies the set of classification scores to cause an action to be performed in association with the set of unclassified entities.
    Type: Grant
    Filed: April 27, 2017
    Date of Patent: February 1, 2022
    Assignee: Accenture Global Solutions Limited
    Inventors: Rajeev Sinha, Meenakshi Arvind Lingayat
  • Patent number: 11227318
    Abstract: Systems and methods are provided for coordinating an Unmanned Vehicle (UV) to perform authenticated delivery of goods. A method for coordinating a delivery may include instructing, via a communication network, a user device to collect user preferences on delivery logistics. The method may also include receiving the user preferences from the user device. The method may also include receiving user financial data from a financial service provider server. The method may also include receiving real-time information comprising location information of a UV and a user device. The method may also include authorizing the delivery of the package if an authentication process is satisfied based on the user preferences, the user financial data, and the real-time information. The method may also include transmitting to the UV a command to complete the delivery, if the delivery is authorized. The method may also include transmitting to the UV an abort command, if the delivery is not authorized.
    Type: Grant
    Filed: February 1, 2018
    Date of Patent: January 18, 2022
    Assignee: Capital One Services, LLC
    Inventors: Jeremy J. Phillips, Kevin S. Park, Shane F. Blackman
  • Patent number: 11210716
    Abstract: Methods, systems, and apparatus for predicting a status of a transaction are described. Feature data related to one or more transactions is collected and a subset of features is selected for use in predicting the status of the transaction. A model is trained using the collected feature data that corresponds to the selected features, and the model is applied to feature data of a selected transaction to generate a probability of the selected transaction attaining one or more defined statuses. Mitigating or preventive actions are performed based on the generated probability.
    Type: Grant
    Filed: February 25, 2019
    Date of Patent: December 28, 2021
    Assignee: eBay Inc.
    Inventors: Samaneh Abbasi Moghaddam, Jerry Louis, Vipul C. Dalal
  • Patent number: 11179639
    Abstract: Embodiments of an automated fraud detection system are disclosed that can detect user accounts that are engaging in unauthorized activities within a game application. The fraud detection system can provide an automated system that identifies parasitic accounts. The fraud detection system may identify patterns using machine learning based on characteristics, such as gameplay and transaction characteristics, associated with the parasitic user accounts. The fraud detection system may generate a model that can be applied to existing accounts within the game in order to automatically identify users that are engaging in unauthorized activities. The fraud detection system may automatically identify these parasitic accounts and implement appropriate actions to prevent the accounts from impacting legitimate users within the game application.
    Type: Grant
    Filed: April 15, 2020
    Date of Patent: November 23, 2021
    Assignee: ELECTRONIC ARTS INC.
    Inventors: Navid Aghdaie, John Kolen, Mohamed Marwan Mattar, Mohsen Sardari, Su Xue, Kazi Atif-Uz Zaman
  • Patent number: 11182791
    Abstract: A system or method may be provided to facilitate automatic user authentication for electronic transactions. In particular, the system or method may automatically authenticate a customer such that the customer may make complete hands free payments without the intervention of the customer or the merchant. The automatic authentication may include a check-in process and a payment authentication process. When a customer enters a designated area of a merchant, a BLE beacon device of the merchant may automatically check in the customer at the designated area of the merchant. After the customer is checked in at the merchant's designated area, the merchant may identify the customer who is about to make a payment from a plurality of other customers who also are checked in at the merchant via Bluetooth proximity and facial recognition in parallel. Thus, the customer may automatically be authenticated to make payments by facial recognition or Bluetooth proximity.
    Type: Grant
    Filed: January 29, 2018
    Date of Patent: November 23, 2021
    Assignee: PAYPAL, INC.
    Inventors: Nikant Vohra, Priyanshu Agarwal, Tushar Raibhandare, Prasanna Annamalai, Anupam Pahuja
  • Patent number: 11182840
    Abstract: Systems and methods including one or more processing modules and one or more non-transitory storage modules storing computing instructions configured to run on the one or more processing modules and perform acts of receiving an online query from an electronic device of a user, the online query comprising natural language of the user, determining an intent of the online query as at least one of a product-related intent or a non-product-related intent, predicting an entity from the online query if the intent of the online query is determined to be a product-related intent, mapping the entity predicted from the online query to product metadata associated with one or more products, and coordinating a display of product information of the one more products on the electronic device. The entity can include a product name, a product attribute, a product price range, an average customer review, or a product brand.
    Type: Grant
    Filed: November 18, 2016
    Date of Patent: November 23, 2021
    Assignee: WALMART APOLLO, LLC
    Inventors: Shankara Bhargava Subramanya, Kushal Bhatt, Jun He, Luyang Chen
  • Patent number: 11170355
    Abstract: Techniques for automated mobile transaction processing are provided. A consumer traverses to a web portal or other type of enterprise terminal device of an enterprise and proceeds to shop. During checkout, the portal contacts a transaction service and is delivered back an identifying barcode or Quick Response (QR) code. The consumer uses a mobile device to scan the code and send it to the transaction service. Previously registered payment details of the consumer are located and payment is received from the consumer. The portal is notified that payment is completed by the transaction service.
    Type: Grant
    Filed: May 13, 2014
    Date of Patent: November 9, 2021
    Assignee: NCR Corporation
    Inventor: Erick C. Kobres
  • Patent number: 11170419
    Abstract: Methods and systems for transaction division are disclosed herein. An example system may allow the cost of a cart of items (e.g., one or more items) to be easily shared among multiple consumers. In order to partition the cost with other potential payees, the system may provide an interface that allows an initial consumer to send notifications that invite other potential participants to share the cost of the cart based on amounts specified by the initial consumer. The system may also determine when the total cost of the cart has been received and notify the seller accordingly. In some instances, the system may generate a token that corresponds to the transaction for the cart of items and use the generated token to detect when other portions of the total cost for the cart are received.
    Type: Grant
    Filed: August 25, 2017
    Date of Patent: November 9, 2021
    Assignee: SharePay, Inc.
    Inventor: Eugene Gekhter
  • Patent number: 11165762
    Abstract: Embodiments of systems and methods for fraud prevention in an online distribution network are disclosed. In certain embodiments, service providers that provide forms in association with merchant's web sites for submission of transactions may implement pro-active threat detection based on an aggregate view of transactions in that distributed computer network.
    Type: Grant
    Filed: November 13, 2019
    Date of Patent: November 2, 2021
    Assignee: GIVEGAB, INC.
    Inventors: James Randall Ryan, Ruhul Alam, James Edward Sylvana, Conleth S. O'Connell, Jr.
  • Patent number: 11157896
    Abstract: A system and method of tokenizing sensitive cardholder payment information for use in cashless transactions includes receiving a request to process a cashless transaction between a merchant and a purchaser using first payment data stored with an electronic wallet provider on behalf of the purchaser. First payment data is retrieved from the electronic wallet provider. The first payment data is tokenized into a payment token, and provided to the merchant for use in completing the cashless transaction using the payment token. The payment token is detokenized into second payment data being indicative of payment token authenticity. Payment for the cashless transaction is processed using the second payment data, and the merchant is provided with a response indicating either the success or failure of the payment processing.
    Type: Grant
    Filed: April 11, 2019
    Date of Patent: October 26, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Obinna Nwokolo, Daniel Goodman
  • Patent number: 11151538
    Abstract: On receiving simplified settlement data generated form settlement data and ID data for downloading electronic-receipt data from an electronic-receipt server, both from a settlement-processing apparatus, a portable terminal records the simplified settlement data in association with the ID data. The display unit of the portable terminal displays the simplified settlement data thus recorded. The portable terminal downloads electronic-receipt data from the electronic-receipt server by using the ID data recorded in association with the simplified settlement data, when the input unit is operated, thereby commanding that the electronic receipt related to the simplified settlement data displayed by the display unit should be downloaded. The electronic-receipt data is recorded in the electronic-receipt recording unit. The display unit displays the electronic receipt on the basis the electronic-receipt data recorded in the electronic-receipt recording unit.
    Type: Grant
    Filed: May 8, 2020
    Date of Patent: October 19, 2021
    Inventor: Naoki Watanabe
  • Patent number: 11128624
    Abstract: Systems, methods, and apparatuses for implementing authentication of a user login to an external website from a community in a cloud based computing environment. An exemplary system having at least a processor and a memory therein includes means for identifying a first domain where a user is to be allowed to login to an external web page hosted thereon, and means for connecting the external web page with a community of a cloud computing environment hosted on a second domain different than the identified first domain, the connecting means handling how the connected community authenticates the user when the user logs into the external web page and providing one of a plurality of login experiences for the user based on conditions determined at run time.
    Type: Grant
    Filed: September 24, 2018
    Date of Patent: September 21, 2021
    Assignee: salesforce.com, inc.
    Inventors: Albert Wijaya, Benjamin Chu, William Charles Mortimore, Jr., Ian Glazer, Matthew Bahrenburg, Prashanth Mahalingam Ganesan, Puneet Dhaliwal
  • Patent number: 11107076
    Abstract: The disclosed embodiments provide a system that verifies user access to accounts.
    Type: Grant
    Filed: March 13, 2018
    Date of Patent: August 31, 2021
    Assignee: INTUIT, INC.
    Inventor: Andrew B. Firstenberger
  • Patent number: 11102210
    Abstract: Disclosed are systems and methods for limiting access of a user profile to dangerous content in a social network service. The described system produces a social graph for a given user profile in the social network service, and identifies clusters of objects (e.g., other user profiles, contents) within the social graph. The described system analyzes whether certain objects in the social graph should be characterized as suspicious based on their clustering and on a database of known forbidden objects. The described system may further learn and add unknown objects to the database of forbidden objects.
    Type: Grant
    Filed: January 28, 2020
    Date of Patent: August 24, 2021
    Assignee: AO KASPERSKY LAB
    Inventors: Anna D. Larkina, Vladislav N. Tushkanov
  • Patent number: 11100520
    Abstract: Embodiments of the present disclosure relate generally to the generation and presentation of merchant insights to a brick-and-mortar merchant. More specifically, one or more embodiments of the present disclosure relate to detecting and identifying users visiting a merchant's retail location, determining product preferences of the identified users that relate to the merchant, and providing merchant insights to the merchant based on the determined product preferences.
    Type: Grant
    Filed: March 25, 2019
    Date of Patent: August 24, 2021
    Assignee: FACEBOOK, INC.
    Inventors: Lee Charles Linden, Benjamin Lewis, Dwight Ewing Crow, Jonathan Shottan, Peng Fan
  • Patent number: 11087320
    Abstract: A system, a medium, and a method are provided to split data paths among various devices in data communications system. In some instances, the server device receives a request from a remote device such as a website server or a checkout device, where the request indicates a user request to purchase one or more items. An account management component of the server device determines a user account associated with the user request and identifies a user device associated with the user account, such as the user's smartphone. An authentication component of the server device generates an electronic message that indicates that the user must authenticate the request such that the request may be processed and initiates a transmittal of the electronic message to the user's smartphone. The user may accept or authenticate the request to process the request.
    Type: Grant
    Filed: October 21, 2019
    Date of Patent: August 10, 2021
    Assignee: PayPal, Inc.
    Inventor: Max Edward Metral
  • Patent number: 11074629
    Abstract: A system and method to optimize dynamic review generation. A client device of a user is selected to provide a review of a merchant. A weighted event factor associated with multiple websites is identified. The system and method identify an input parameter provided by the merchant to be used with the weighted event factor to determine a first website of the multiple websites to receive the review of the merchant. A communication object is transmitted to the client device to redirect the client device to the first website to submit the review.
    Type: Grant
    Filed: July 18, 2019
    Date of Patent: July 27, 2021
    Assignee: YEXT, INC.
    Inventors: Benjamin Berry, Marc Ferrentino
  • Patent number: 11025827
    Abstract: Digital image capture session and metadata association techniques are described. In one example, a user input is received to initiate an image capture session. At least one digital image is captured using a digital camera during the image capture session. Audio input data is also collected using an audio input device during the image capture session and is converted into text data, e.g., speech-to-text. Metadata is generated based on the text data and associated with the at least one digital image. The at least one digital image is output as having the associated metadata as completion of the image capture session.
    Type: Grant
    Filed: May 28, 2019
    Date of Patent: June 1, 2021
    Assignee: eBay Inc.
    Inventors: Joshua Reino Timonen, William Kirk Brohman, Jonathan David Chard, Erin Courtney Miller
  • Patent number: 11023874
    Abstract: Various methods, systems, and devices are described for performing money transfers to one or more payees from one or more payors using a money transfer system. A party, such as a payor, a payee, or a third party may create a set of payee rules. The same or a different party may also create a set of payor rules. The payee rules may comprise conditions which, when satisfied, permit a payee to receive funds from a funds pool. The payor rules may comprise conditions which, when satisfied, permit a payor to provide funds to the funds pool. The money transfer system may determine whether requests from a payor and a payee comply with the payor rules and the payee rules, respectively. Based on the determination, the payor and/or payee may be permitted to complete their requested transaction, or their transaction may be denied.
    Type: Grant
    Filed: May 17, 2019
    Date of Patent: June 1, 2021
    Assignee: The Western Union Company
    Inventors: David A. Owen, Michael Michelsen, Kurt Bulawa, Michele Demark
  • Patent number: 11017379
    Abstract: A computer-implemented method for enhancing authorization of prepaid payment cards is provided. The method is implemented using an authorization computing device in communication with a memory. The method includes storing a plurality of transaction histories associated with a plurality of prepaid payment cards, receiving an authorization request for a payment transaction between a cardholder and an originating merchant initiated using a prepaid payment card, determining a transaction history associated with the prepaid payment card based on the plurality of transaction histories, calculating a prepaid risk score for the payment transaction based on the authorization request and the determined transaction history, and transmitting the prepaid risk score to the originating merchant.
    Type: Grant
    Filed: December 21, 2016
    Date of Patent: May 25, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Kyle Williams, David J. Senci, Michelle L. Hafner
  • Patent number: 11018933
    Abstract: The present disclosure is directed to systems and methods that enable adjusting of focal point of maps displaying network sites of an enterprise network for access by an authorized network controller, based on network provider's access privilege. In one aspect a method includes receiving an access request to access a network controller management dashboard for managing network sites of a network; determining an access privilege associated with the access request; identifying one or more network sites for the access request based on the access privilege; and providing an interactive visual rendering of the one or more network sites by adjusting a focal point of a map of the network sites to display only the one or more network sites.
    Type: Grant
    Filed: August 21, 2019
    Date of Patent: May 25, 2021
    Assignee: CISCO TECHNOLOGY, INC.
    Inventors: Vishal Satyendra Desai, Benjamin Jacob Cizdziel, Santosh Babaji Kulkarni, Young II Choi
  • Patent number: 10972528
    Abstract: A client device provides to a user, in an application associated with a social-networking service provided by a server system, a link to a page associated with a third-party service provider. The third-party service provider is distinct from the social-networking service. In response to user selection of the link, the page is loaded within the application. The page includes script for calling one or more application programming interfaces (APIs) of the server system. The client device calls the one or more APIs to obtain information associated with the user from the server system. The client device displays the page within the application, and uses the information associated with the user to conduct a transaction with the third-party service provider through the page.
    Type: Grant
    Filed: August 12, 2016
    Date of Patent: April 6, 2021
    Assignee: Facebook, Inc.
    Inventors: Derek Chirk Yin Cheng, Karandeep Anand, Edward Kenneth O'Neil, Christopher Chun-Ning Pan, Ming Fei Li, Sean Wiese, Prakash Ahuja
  • Patent number: 10964126
    Abstract: A device may receive transaction data relating to a transaction event associated with a user and a merchant. The transaction data may include a merchant identifier and a transaction amount. The device may process the merchant identifier to determine whether the transaction event is associated with a rate-based service. The device may obtain, based on determining that the transaction event is associated with the rate-based service, location data from a user device associated with the user. The device may determine, based on the location data, a distance or a duration associated with the rate-based service. The device may determine, based on the distance or the duration, a transaction estimate for the rate-based service. The device may determine whether the transaction amount corresponds to the transaction estimate and perform one or more actions based on determining whether the transaction amount corresponds to the transaction estimate.
    Type: Grant
    Filed: August 26, 2019
    Date of Patent: March 30, 2021
    Assignee: Capital One Services, LLC
    Inventors: Taurean Butler, Brendan Way, Abdelkadar M'Hamed Benkreira
  • Patent number: 10963868
    Abstract: Technology is disclosed for transferring money anonymously between a sender and a recipient by use of a token. In some embodiments, the disclosed technology involves communication between a mobile payment application (“App”) and a payment service system (PSS). Upon the recipient's request, the App, installed on the recipient's device, generates the token, and provides the token to both the recipient and the PSS. The PSS receives both the token and the recipient's identification information from the App, associates the token with the identification information, and stores such association. The recipient, on the other hand, transfers the token to the sender, who forwards it to the PSS to request a money transfer. The PSS receives the token and identifies the recipient's identification information based on the previously stored association with the token. With the identification information, the PSS determines the recipient's financial account to execute the money transfer.
    Type: Grant
    Filed: September 9, 2014
    Date of Patent: March 30, 2021
    Assignee: Square, Inc.
    Inventors: Nathan P. McCauley, Yun Chi, Rong Yan
  • Patent number: 10943274
    Abstract: A device receives documents from various sources, and processes the documents, with an optical character recognition engine, to generate digitized documents. The device processes the digitized documents, with a first machine learning model, to detect languages utilized in the digitized documents, and processes the digitized documents, in other languages that are different than a common language and with a second machine learning model, to translate the digitized documents, in the other languages, into the common language and to generate translated digitized documents. The device processes the translated digitized documents and untranslated digitized documents, with a classification model, to generate classified documents, and processes the classified documents, with a third machine learning model, to generate extracted information from the classified documents.
    Type: Grant
    Filed: August 28, 2018
    Date of Patent: March 9, 2021
    Assignee: Accenture Global Solutions Limited
    Inventors: Prakash Ghatage, Kumar Viswanathan, Sebastian Fernandes, Naveen Kumar Thangaraj
  • Patent number: 10929917
    Abstract: A method for accessing communication in chat sessions for cart generation is discussed. The method includes accessing, via a chat bot, a chat text in a chat session by a chat application instance to another chat application instance. The method includes determining intent for purchasing a product from a merchant based on an analysis of the chat text. In response to determining the intent, the method determines a locator for an online store of the merchant from the chat text. The method includes accessing, using the locator, the online store to determine product features of the product. Based on the product features and the chat text, a cart is generated for an order of the product for the online store. The method provides, via the chat bot, an indication of the cart to the chat session to obtain, from the first chat application instance, authorization to order the cart.
    Type: Grant
    Filed: December 16, 2016
    Date of Patent: February 23, 2021
    Assignee: PayPal, Inc.
    Inventors: Poornima Venkatakrishnan, Teddy Vincent Toms
  • Patent number: 10922148
    Abstract: Techniques for implementing assess to Android applications and native Window application on Android devices and systems. A processor board includes a processor that is configured to run a full version of a Windows operating system and Windows applications. The processor board is configured to be communicatively coupled to the processor board in an Android device, such as a Smartphone or tablet. Upon operations and when the processor board is communicatively coupled to the Android device, a user of the Android device is enabled to selectively run Android applications and Windows applications, with the Windows applications being executed natively on the processor board. The processor board may be implemented in a computing card that is approximately the size of a credit card or smaller, which in turn may be coupled to the Android device via a backpack or similar means. The processor board may also be disposed within the same housing as the Android device.
    Type: Grant
    Filed: April 26, 2016
    Date of Patent: February 16, 2021
    Assignee: Intel Corporation
    Inventors: Matthew J. Adiletta, Myles Wilde, William R. Wheeler, Michael F. Fallon, Aaron Gorius, Amit Kumar, Chengda Yang
  • Patent number: 10915906
    Abstract: Disclosed herein are various embodiments for systems and methods for self-payment and verification of the purchase of retail goods and services. According to an embodiment of the invention, a method for verifying the purchase using a mobile electronic device in wireless communication with a payment verification system and a code generating system is provided, the method comprising the steps of: receiving from a consumer information identifying an item for purchase; receiving from a consumer information identifying payment means for purchasing the item for purchase; processing the information identifying the item for purchase and information identifying payment means and generating a unique QR code indicating a purchase of the item; sending the unique QR code to a mobile device for display by a consumer to the vendor of the item for purchase.
    Type: Grant
    Filed: April 10, 2020
    Date of Patent: February 9, 2021
    Assignee: DIGITAL RETAIL APPS., INC.
    Inventor: Wendy MacKinnon Keith
  • Patent number: 10890658
    Abstract: A vehicle group control device includes: a first vehicle-to-vehicle distance estimation unit configured to estimate a first vehicle-to-vehicle distance which is a vehicle-to-vehicle distance between the first vehicle and the second vehicle; a second vehicle-to-vehicle distance recognition unit configured to recognize a second vehicle-to-vehicle distance which is a vehicle-to-vehicle distance between a reference interruption vehicle and the first vehicle; and the number of interruption vehicles estimation unit configured to estimate the number of interruption vehicles between the first vehicle and the second vehicle based on the first vehicle-to-vehicle distance and the second vehicle-to-vehicle distance.
    Type: Grant
    Filed: October 31, 2018
    Date of Patent: January 12, 2021
    Assignee: TOYOTA JIDOSHA KABUSHIKI KAISHA
    Inventor: Akihide Tachibana
  • Patent number: 10872349
    Abstract: Techniques for redeeming accumulated rewards points at a service provider that is independent from a provider of the accumulated rewards points are described herein. The service provide may authenticate a user having an account at the service provider and then associate the user account with a user account at one or more points providers. The service provider may then determine a number of accumulated and available rewards points for the user account(s) at the points provider(s). The service provider may then allow the user to redeem one or more of the rewards points when conducting a transaction with the independent service provider.
    Type: Grant
    Filed: September 30, 2008
    Date of Patent: December 22, 2020
    Assignee: Amazon Technologies, Inc.
    Inventors: David H. Hijirida, Mark Allan Schaler
  • Patent number: 10866699
    Abstract: Disclosed in some examples are methods, systems and machine-readable mediums which allow for more secure authentication attempts by implementing authentication systems with credentials that include interspersed noise symbols in positions determined by the user. These systems secure against eavesdroppers such as shoulder-surfers or man-in-the middle attacks as it is difficult for an eavesdropper to separate the noise symbols from legitimate credential symbols.
    Type: Grant
    Filed: June 10, 2019
    Date of Patent: December 15, 2020
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Amer Aref Hassan, Wei-Chen Chen
  • Patent number: 10867004
    Abstract: In accordance with embodiments, there are provided mechanisms and methods for publicly providing web content of a tenant using a multi-tenant on-demand database service. These mechanisms and methods for publicly providing web content of a tenant using a multi-tenant on-demand database service can allow the web content to be published by a tenant using the multi-tenant on-demand database service for use by non-tenants of the multi-tenant on-demand database service.
    Type: Grant
    Filed: November 17, 2017
    Date of Patent: December 15, 2020
    Assignee: salesforce.com, inc.
    Inventors: Bulent Cinarkaya, Steven Tamm, Jayesh Sureshchandra, Alex Warshavsky, Irandi Upeka Bulumulla, Benjamin Fry, Kenneth Douglas Scott, David Brooks
  • Patent number: 10861105
    Abstract: A computer program, a system, and a method facilitate transactions of taxpayer-specific items of information between taxpayers and third parties in a virtual venue. A set of taxpayer information related, at least in part, to a filed tax return of the taxpayer is received. The set of taxpayer information is filtered to obtain a marketable information set, which in turn includes taxpayer-specific items. A third-party value is obtained for each taxpayer-specific item, and the taxpayer is presented a sale value for each taxpayer-specific item. The taxpayer is presented an option to select at least one taxpayer-specific item to be sold in the virtual venue and an option for the taxpayer to select at least one third party to which to sell said at least one taxpayer-specific item. Upon the selection of the options by the taxpayer, the transaction is then processed and completed.
    Type: Grant
    Filed: September 26, 2014
    Date of Patent: December 8, 2020
    Assignee: HRB Innovations, Inc.
    Inventor: Mark Ciaramitaro
  • Patent number: 10862912
    Abstract: A device receives network segment information identifying network segments associated with a network, and receives endpoint host session information identifying sessions associated with endpoint hosts communicating with the network. The device generates, based on the network segment information and the endpoint host session information, a data structure that includes information associating the network segments with the sessions associated with the endpoint hosts. The device updates the data structure based on changes in the sessions associated with the endpoint hosts and based on changes in locations of the endpoint hosts within the network segments, and identifies, based on the data structure, a particular endpoint host, of the endpoint hosts, that changed locations within the network segments. The device determines a threat policy action to enforce for the particular endpoint host, and causes the threat policy action to be enforced, by the network, for the particular endpoint host.
    Type: Grant
    Filed: June 29, 2018
    Date of Patent: December 8, 2020
    Assignee: Juniper Networks, Inc.
    Inventors: Prakash T. Seshadri, Binh Phu Le, Srinivas Nimmagadda, Jeffrey S. Marshall, Kartik Krishnan S. Iyyer
  • Patent number: 10843073
    Abstract: In some embodiments, techniques for managing interaction permissions for an object in a shared virtual environment are provided. The techniques may determine whether to present an object in a limited-interaction mode or in an interactive mode based on a permission condition. The permission condition may include a proximity condition that specifies a proximity threshold between two objects within the shared virtual environment that should be met in order to provide the object in the interactive mode. The proximity threshold may specify a distance between an avatar of an owning user of the object and the object; a distance between an avatar of an owning user of the object and an avatar of a user being presented the object, or other distances.
    Type: Grant
    Filed: June 28, 2017
    Date of Patent: November 24, 2020
    Assignee: Rec Room Inc.
    Inventors: Nicholas Fajt, Cameron Brown, Dan Kroymann, Omer Bilal Orhan, Jonathan Bevis, Joshua Wehrly
  • Patent number: 10832176
    Abstract: A system, method, and computer-readable storage medium configured to identify travel by payment cardholders using an internet service, and more particularly to reduce fraudulent transactions involving payment cards by generating a white list for travel associated with a payment cardholder.
    Type: Grant
    Filed: December 8, 2014
    Date of Patent: November 10, 2020
    Assignee: Mastercard International Incorporated
    Inventor: Justin Xavier Howe
  • Patent number: 10817831
    Abstract: This disclosure is directed to methods, apparatuses, and systems for scaling inventory management systems to accommodate peak capacity loads. For example, some high-demand, high-volume inventory can provided in a limited time period, attracting network traffic that can overwhelm third party providers with limited network or processing capacity. An inventory database at the third party provider can be mirrored at the service provider, such that the inventory database can be copied to the service provider and stored as a mirror database. User requests can be made against the mirror database at the service provider. The user can select inventory to order, which can reserve the inventory until payment information is provided and confirmed at the service provider. Subsequently, the service provider can synchronize the order with the third party provider in accordance with the limited capacity of the third party provider.
    Type: Grant
    Filed: March 11, 2016
    Date of Patent: October 27, 2020
    Assignee: Amazon Technologies, Inc.
    Inventor: Ruslan Anatolyevich Polyanskiy
  • Patent number: 10817143
    Abstract: Disclosed in some examples are methods, systems and machine-readable mediums which allow for more secure authentication attempts by implementing authentication systems with credentials that include interspersed noise symbols in positions determined by the user. These systems secure against eavesdroppers such as shoulder-surfers or man-in-the middle attacks as it is difficult for an eavesdropper to separate the noise symbols from legitimate credential symbols.
    Type: Grant
    Filed: June 10, 2019
    Date of Patent: October 27, 2020
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Amer Aref Hassan, Wei-Chen Chen
  • Patent number: 10783571
    Abstract: The present subject matter relates generally to systems and methods for adding interactive functionality to a website, other digital media objects, and computer processor applications. Systems and methods for adding functionality to content served by a first server, may include receiving, at a second server, a request from a client-computer for code to add purchase functionality to the content. The code may be sent to the client-computer based on the request. A further request may be received from the client-computer containing information about objects identified in the content as relating to the purchase functionality and a request for information about the objects. Information about the objects may be sent to the client-computer based on the further request. An instruction to complete the purchase may be received from the client-computer, and a confirmation of the completion of the purchase may be sent to the client-computer.
    Type: Grant
    Filed: November 21, 2018
    Date of Patent: September 22, 2020
    Assignee: JWL IP HOLDINGS, LLC
    Inventor: Damian Franken Manning
  • Patent number: 10783533
    Abstract: A data processing method comprises storing, in one or more data repositories, information on a plurality of supplier entities according to a supplier ontology including for each particular supplier entity at least three different supplier attributes comprising a supplier detail, a timestamp specifying at least one of when the supplier detail expires or when the supplier detail was last updated, and an electronic identifier usable to contact the particular supplier entity; using supplier trigger monitoring instructions of a procurement system executed on a server computer that is coupled to the one or more data repositories, storing a plurality of opportunity triggers each comprising a trigger type and a numeric value; monitoring, without receiving an explicit request from a computing device, and based at least in part on information from the one or more data repositories, whether one or more of the plurality of opportunity triggers is satisfied, in response to determining, for a particular opportunity trigger
    Type: Grant
    Filed: May 31, 2016
    Date of Patent: September 22, 2020
    Assignee: Coupa Software Incorporated
    Inventors: Scott Harris, Yao Yao
  • Patent number: 10776751
    Abstract: Embodiments of the invention can relate to methods, systems, apparatuses directed to integration of computing networks, especially within supply chains, and use of information from these integrated networks to generate analytics. To generate such analytics, an analysis computer or payment processing network may receive purchase data. In various embodiments the purchase data may include a product identifier that is associated with a product or service that is involved in the purchase. Once the purchase transaction with the product identifier is received, consumption of inventory at the merchant or supplier may be tracked. Tracking the consumption of inventory may involve storing and using a relationship between the product identifier and the inventory.
    Type: Grant
    Filed: March 27, 2018
    Date of Patent: September 15, 2020
    Assignee: Visa International Service Association
    Inventor: Alfred Chin