Including Funds Transfer Or Credit Transaction Patents (Class 705/39)
  • Patent number: 11928243
    Abstract: An example of a method for detecting hacking activities includes categorizing a plurality of web pages of a web site providing bank services using a trained semantic model. The trained semantic model uses at least one resource identifier of a web page as an input and generates a web page category as an output. One or more attributes of an interaction between a user and bank services are identified. The one or more identified attributes are analyzed by comparing the one or more identified attributes with attributes known to belong to hacking interactions based on a corresponding web page category. Hacking activity is identified based on the results of the analysis.
    Type: Grant
    Filed: December 1, 2020
    Date of Patent: March 12, 2024
    Assignee: AO Kaspersky Lab
    Inventor: Sergey N. Ivanov
  • Patent number: 11928138
    Abstract: Embodiments of the present disclosure comprise methods, apparatus and computer readable instructions for establishing a relationship between user accounts. A first account association request message in relation to a first user account in an account based system is received. A first source account identifier which corresponds to the first user account and a first target account identifier which corresponds to the second user account are identified. A second account association request message in relation to the second user account is received. Based on the second account association request message, a second source account identifier which corresponds to the second user account and a second target account identifier which corresponds to the first user account are identified. Responsive to a determination of whether the source account identifiers and target account identifiers relate to the same user account, a relationship is established between the first user account and the second user account.
    Type: Grant
    Filed: March 24, 2016
    Date of Patent: March 12, 2024
    Assignee: Visa Europe Limited
    Inventors: Malcolm Lewis, Boris Taratine
  • Patent number: 11928351
    Abstract: A system comprises a communications module; a processor coupled to the communications module; and a memory coupled to the processor, the memory storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module, a transfer instruction for transfer of data from a first data record associated with a transferor to a second data record associated with a recipient, the transfer instruction including a transfer amount and a condition associated with the transfer; send, via the communications module, a notification of the transfer instruction to a computing device associated with the recipient and request permission to obtain contextual data therefrom; when permission is granted, obtain, via the communications module, contextual data from the computing device; determine, based on the contextual data, that the condition associated with the transfer has been satisfied; and in response to determining that the condition associated with the t
    Type: Grant
    Filed: August 22, 2022
    Date of Patent: March 12, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Milos Dunjic, David Samuel Tax, Vipul Kishore Lalka
  • Patent number: 11922453
    Abstract: Systems and methods for generating tokenized reputation scores are described. In one example, a service provider system receives data describing user activity associated with a service provider account and determines that the user activity is eligible for a reputation reward of reputation tokens. The service provider system initiates a calculation of the reputation reward based on the data describing the user activity. Further, the service provider system verifies a transfer of reputation tokens to a blockchain account address associated with the service provider account, where the reputation tokens are based on the reputation reward calculated. The service provider system generates a reputation score based on an amount of reputation tokens associated with the blockchain account address and generates an indication of the reputation score. The indication of the reputation score is displayed in relation to a representation of the service provider account.
    Type: Grant
    Filed: October 8, 2021
    Date of Patent: March 5, 2024
    Assignee: eBay Inc.
    Inventors: Tatjana Vlahovic, Someshekhar Banerjee
  • Patent number: 11922427
    Abstract: A method for processing card not present (CNP) transactions includes: receiving an authentication transaction request including authentication transaction data associated with a CNP transaction, receiving an authorization transaction request including authorization transaction data associated with the CNP transaction; in response to receiving the authorization transaction data and the authentication transaction data, determining an authorization decision for the CNP transaction; and communicating the authorization decision. Systems for processing CNP transactions are also disclosed.
    Type: Grant
    Filed: April 17, 2018
    Date of Patent: March 5, 2024
    Assignee: Visa International Service Association
    Inventor: Paul Charles Turgeon
  • Patent number: 11907947
    Abstract: Systems and techniques are provided for a resource transfer system. An instruction to transfer a first quantity of a resource from a first resource pool to a second resource pool may be received. A hold may be placed on a second quantity of the resource in the first resource pool. The held second quantity of the first resource may not be transferred from the first resource pool until the hold is released. Responsive to receiving a message that fulfills a condition on the hold and an instruction to execute the transfer, the hold may be released. A register that is in the first resource pool and is associated with the resource may decremented by the first quantity, and a register that is in the second resource pool and is associated with the resource may be incremented by the first quantity.
    Type: Grant
    Filed: April 13, 2022
    Date of Patent: February 20, 2024
    Assignee: RIPPLE LUXEMBOURG S.A.
    Inventors: Stefan Thomas, Evan Schwartz
  • Patent number: 11900365
    Abstract: The present disclosure provides techniques for recommending vendors using machine learning models. One example method includes receiving electronic transaction data indicative of one or more transactions, identifying, from the one or more transactions, a subset of transactions that are associated with for known attribute values with respect to one or more unique recipients, computing, for each unique provider of the one or more unique providers, a provider feature based on the known attribute values with respect to a subset of the one or more associated unique recipients, computing, for a given recipient indicated in one or more given transactions that are not included in the subset of transactions, a recipient feature based on the provider feature of each unique provider of the one or more associated unique providers, and predicting, based on the recipient feature, a value for the attribute with respect to the given recipient.
    Type: Grant
    Filed: October 26, 2022
    Date of Patent: February 13, 2024
    Assignee: Intuit, Inc.
    Inventors: Yaakov Tayeb, Hadar Lackritz
  • Patent number: 11900361
    Abstract: Embodiments are directed to issuing tokens for identifiers associated with a resource provider account specific to the resource provider issuing the account. A resource provider processor system interfaces with a resource provider computer to validate account eligibility upon receiving a token request message. If the account is eligible for token generation, the resource provider processor system generates a universal identifier corresponding to the identifier associated with the resource provider account and returns the universal identifier to the token requestor. The token requestor may send a token request message to a token issuer for obtaining a token using the universal identifier. Accordingly, the universal account identifier can be used to provision a token into a digital wallet. Transactions using the token may be processed with the resource provider processor system acting as an account issuer.
    Type: Grant
    Filed: September 26, 2022
    Date of Patent: February 13, 2024
    Assignee: Visa International Service Association
    Inventors: Mary Taylor, Laura A. Long, Michael Mori, Rajat Das
  • Patent number: 11888694
    Abstract: Provided is a method for configuring a gateway. The method may include a gateway monitoring current version data stored on at least one first server. The current version data may be associated with a current version of a configuration file. The first server may be remote from the gateway. The current version data may be modified at the first server. In response to the gateway determining that the current version data stored on the first server has been modified, a configuration service may be invoked to retrieve the current version of the configuration file from at least one repository based on the current version data. The repository may include at least one second server remote from the gateway and the first server. The gateway may store a copy of the current version of the configuration file retrieved by the configuration service. A system and computer program product are also disclosed.
    Type: Grant
    Filed: January 4, 2023
    Date of Patent: January 30, 2024
    Assignee: Visa International Service Association
    Inventors: Swetha Devireddy, Varsha Kadam, Sunil Pandit
  • Patent number: 11887083
    Abstract: Systems and methods associated with providing an automated portal to migrate one or more relationships with one entity to another entity are disclosed.
    Type: Grant
    Filed: January 10, 2023
    Date of Patent: January 30, 2024
    Assignee: Capital One Services, LLC
    Inventors: Elias Cottingham, Thomas Dodson, Dwayne Richardson
  • Patent number: 11887077
    Abstract: A method for execution by a marketplace server begins by receiving an indication of an intention to utilize an exchange item to support a purchase transaction associated with a computing device, where the exchange item is associated with an exchange item rule set. The method continues by determining one or more exchange items associated with the computing device and determining purchase requirements of the purchase transaction. The method continues by identifying alternative exchange items to potentially support the purchase transaction based on the purchase requirements, the one or more exchange items, and the exchange item rule set. The method continues generating a list of exchange item utilization solutions to support the purchase transaction. The method continues by the marketplace server sending the list of exchange item utilization solutions to the computing device.
    Type: Grant
    Filed: October 29, 2021
    Date of Patent: January 30, 2024
    Assignee: Raise Marketplace, LLC
    Inventors: Alven Diaz, Conrad Hancock Barski
  • Patent number: 11887115
    Abstract: A system for validating the integrity of blockchain transactions prior to such transactions being added to the electronic blockchain using, in part, an automated, protocol-based methodology is disclosed. Use of such a system circumvents current costly consensus mechanisms for validating transactions prior to inclusion onto the underlying electronic blockchain. In a preferred embodiment, the disclosed system may be implemented within blockchain environments where the transacting parties “trust” each other where trust may be evidenced in different ways. In such an example, the system provides an automated, protocol-based validation of transactions that have been approved by the transacting parties, such that record of the validated transaction may be appended to a blockchain.
    Type: Grant
    Filed: April 17, 2017
    Date of Patent: January 30, 2024
    Inventors: Jeff Stollman, Martin Mateev
  • Patent number: 11880854
    Abstract: A valid combination of products is constructed from a set of products identified by a retailing backend system. The valid combination satisfies a condition of an offer. A product in the combination of product is a physical product located in a physical store. A social sentiment towards the product in social media data of a shopper is evaluated, and a rating of the product is computed using the evaluation. A location of the product in the store is obtained from the retailing backend system. The location of the product is overlaid on a view of the store, where the view is from a perspective of a location of the shopper, the shopper being physically situated in the store.
    Type: Grant
    Filed: November 12, 2021
    Date of Patent: January 23, 2024
    Assignee: Maplebear Inc.
    Inventors: James E. Bostick, John M. Ganci, Jr., Martin G. Keen, Sarbajit K. Rakshit
  • Patent number: 11880845
    Abstract: Systems, methods, and computer program products may store, in a distributed cache, a rule associated with a plurality of accounts in a Real-Time Payments (RTP) network, the rule being stored in association with account data associated with the plurality of accounts; receive an account level exclusion directive associated with the account; store, in the distributed cache, the account level exclusion directive in association with the account; receive transaction data associated with a transaction in the RTP network between the account and another account; retrieve, from the distributed cache, the rule, the account level exclusion directive, and the account data associated with the account; exclude, based on the account level exclusion directive, use of the rule for processing the transaction; and process, without applying the rule, the transaction in the RTP network.
    Type: Grant
    Filed: February 18, 2022
    Date of Patent: January 23, 2024
    Assignee: Visa International Service Association
    Inventors: Navendu Misra, Kavish Agarwal, Nipun Agarwal, Juharasha Shaik, Praveen Kumar Suresh Guggarigoudar, Ravi Rameshbhai Alagiya, Rajiv Ranjan, Durga S. Kala, Andrey Masharov, Xuepeng Li, Anuvind Pushpak, Marc Corbalan Vila, Stuart Mark Williams
  • Patent number: 11876916
    Abstract: An apparatus and method for candidate tracking. The apparatus includes a processor that is configured to track a candidate through the recruiting process such that a recruiter may be compensated for their recruiting efforts. The apparatus includes receiving data sets from the recruiter and the employer, receiving a transfer request from either user, authenticating the users, determining if the data sets are the same, and processing the transfer request.
    Type: Grant
    Filed: February 8, 2022
    Date of Patent: January 16, 2024
    Inventors: Arran Stewart, Steve O'Brien
  • Patent number: 11869031
    Abstract: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to monitor an active webpage associated with a web browser executing on a computing device; determine that the active webpage associated with the web browser meets predetermined criteria, the predetermined criteria including determining that the active webpage is found in a whitelist; and in response to determining that the active webpage meets the predetermined criteria, send, via the communications module and to the computing device, a signal causing the computing device to display an indicator indicating an option to apply loyalty points to offset a purchase price.
    Type: Grant
    Filed: August 15, 2022
    Date of Patent: January 9, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Nolan Glynn-Udrow, Sahana Dorai
  • Patent number: 11869000
    Abstract: Described are a system, method, and computer program product for updating and processing payment device transaction tokens. The method includes receiving a first notification based on issuance of a first new payment device, generating a first new token associated with the first new payment device, and linking the first new token to a previous token. The method also includes receiving a second notification based on issuance of a second new payment device, generating a second new token associated with the second new payment device, and linking the second new token to the first new token in a chain. The method further includes determining to deactivate the first new payment device and modifying the chain to remove the first new token. The method further includes receiving a transaction request and processing the transaction request by communicating second new token to an issuer.
    Type: Grant
    Filed: November 24, 2021
    Date of Patent: January 9, 2024
    Assignee: Visa International Service Association
    Inventors: Gaurav Srikant Mokhasi, Kaushik Kumar Mahato, Rahul Raghavan
  • Patent number: 11869071
    Abstract: Disclosed is an example approach in which news alerts are scanned in real-time or near real-time, relevant alerts identified through a topic extraction model, and associated actors identified through an entity extraction model. An entity resolution model may be applied to determine which actors are clients. The topic extraction, entity extraction, and/or entity resolution models may apply, for example, natural language processing models. The alert may be enriched by being packaged with client and transactional data to generate an enriched alert. A predictive model may be applied to the enriched alert to identify events with a high probability of law enforcement referral, and the enriched alert may be automatically transmitted to certain identified devices. The predictive model is trained using a combination of news alerts and data on clients and transactions, yielding enhanced predictions.
    Type: Grant
    Filed: December 12, 2019
    Date of Patent: January 9, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Angelica Bullard, Mauricio Flores, Ian Kloville, Jeremy Norvell, Sameer Shetty, Michael Traverso
  • Patent number: 11861623
    Abstract: Examples, methods and systems described herein may include determining, by a payment processing system, whether a second payment mechanism may be used to perform a payment transaction when a first payment mechanism is preferred and/or when the first payment mechanism has failed. Determining to use the second payment mechanism can be based on (i) an analysis of a communication status indicator received from a point-of-sale (POS) terminal that indicates which payment mechanisms are capable of communicating with the POS terminal, (ii) data received from the POS terminal that is associated with a read of a payment object, and/or (iii) an allowance criterion.
    Type: Grant
    Filed: December 28, 2020
    Date of Patent: January 2, 2024
    Assignee: Block, Inc.
    Inventors: Michael Wells White, Charles Nicholson, David Terra, Jason Holmes, Martin Mroz
  • Patent number: 11861591
    Abstract: A wearable transaction device may include a housing, a fastener component attached to the housing, and an electronic chip secured within the housing. The wearable transaction device may detect a connection with a user device, and receive, from the user device and via the connection, security information for operating the wearable transaction device. The security information may indicate one or more conditions for placing the wearable transaction device in a payment mode or a non-payment mode. The wearable transaction device may receive a request to perform the transaction, and determine, based on the security information, whether the wearable transaction device is in the payment mode or the non-payment mode. The wearable transaction device may selectively perform the transaction based on whether the wearable transaction device is in the payment mode or the non-payment mode.
    Type: Grant
    Filed: May 16, 2022
    Date of Patent: January 2, 2024
    Assignee: Capital One Services, LLC
    Inventors: Michael Mossoba, Abdelkadar M'Hamed Benkreira, Joshua Edwards
  • Patent number: 11861607
    Abstract: Embodiments of the present invention relate to systems and methods for implementing a mobile tokenization hub with a common tokenization capabilities (CTC) module that may provide tokenization for various entities in various contexts. For example, the CTC module can provide and store tokens for mobile payment transactions, transit transactions, digital wallet applications, merchant point of sale (POS) applications, personalization services, and the like.
    Type: Grant
    Filed: May 9, 2022
    Date of Patent: January 2, 2024
    Assignee: Visa International Service Association
    Inventors: Thanigaivel Ashwin Raj, Christian Flurscheim, Kaushik Subramanian, Bradley Greene, Prasanna L. Narayan
  • Patent number: 11861581
    Abstract: Described is a technology that enables a customer, who uses a payment card in a point-of-sale (POS) transaction and provides a biometric identifier to the merchant, to use the biometric identifier as a payment mechanism in future transactions. In some embodiments, the technology involves communication between a customer's user device, a payment service system (PSS), and one or more merchant POS systems. A merchant POS system collects information around the time or after the time of the POS transaction between the merchant POS system and the customer, including, among others, a biometric identifier of the customer and forwards this information to the PSS. The PSS stores the biometric identifier in association with the payment card used in the transaction. In a second transaction, the customer may provide the biometric and the PSS may process the transaction based at least in part on the identifier without the customer needing to provide a payment card.
    Type: Grant
    Filed: November 7, 2022
    Date of Patent: January 2, 2024
    Assignee: Block, Inc.
    Inventors: Brian Grassadonia, Ajit Kalidindi Varma, Mark Jen
  • Patent number: 11861592
    Abstract: A method, apparatus, and computer readable storage to implement an issuance of a virtual credit card. The virtual credit card can be issued instantaneously and can thereafter be associated with a physical credit card. The virtual credit card and the physical credit card can be serviced by the same account at the same bank.
    Type: Grant
    Filed: January 8, 2016
    Date of Patent: January 2, 2024
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Rob Frohwein, Kathryn Petralia
  • Patent number: 11861612
    Abstract: The present specification provides a blockchain-based offline resource transfer method and apparatus. A transferor terminal and a receiver terminal of offline resource transfer include multiple execution environments. Multiple computing nodes constructed based on the execution environments further constitute an offline blockchain network as blockchain nodes.
    Type: Grant
    Filed: June 21, 2021
    Date of Patent: January 2, 2024
    Assignee: Alipay (Hangzhou) Information Technology Co., Ltd.
    Inventors: Hong Zhang, Qi Huang
  • Patent number: 11861613
    Abstract: A system may receive transaction information associated with a transaction, the transaction information comprising an account number associated with a first user. The system may determine whether the transaction is associated with a second user. Responsive to determining the transaction is associated with the second user, the system may transmit a first prompt to a first user device associated with the first user, the first prompt comprising a request to confirm or deny the transaction. The system may receive, via the first user device, a first user selection confirming the transaction. Responsive to receiving the first user selection, the system may determine whether the transaction exceeds a predetermined threshold. Responsive to determining the transaction exceeds the predetermined threshold, the system may transmit a second prompt to the first user device, the second prompt comprising a recommendation to designate the second user as an authorized user of the account number.
    Type: Grant
    Filed: October 5, 2021
    Date of Patent: January 2, 2024
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: James Holt Crews, Jr., Cruz Vargas, Viraj Chaudhary
  • Patent number: 11854246
    Abstract: A method, apparatus, device and storage medium for recognizing a bill image may include: performing text detection on a bill image, and determining an attribute information set and a relationship information set of each text box of at least two text boxes in the bill image; determining a type of the text box and an associated text box that has a structural relationship with the text box based on the attribute information set and the relationship information set of the text box; and extracting structured bill data of the bill image, based on the type of the text box and the associated text box that has the structural relationship with the text box.
    Type: Grant
    Filed: March 15, 2021
    Date of Patent: December 26, 2023
    Assignee: BEIJING BAIDU NETCOM SCIENCE AND TECHNOLOGY CO., LTD.
    Inventors: Yulin Li, Ju Huang, Xiameng Qin, Junyu Han
  • Patent number: 11854000
    Abstract: A computer-implemented method for prepaid card funding for sponsored purchases includes receiving a payment request for funding a sponsored purchase using a payment vehicle, deducting funds from a financial account associated with the payment vehicle, such that the financial account has a negative balance, and loading additional funds into the financial account associated with the payment vehicle, such that the financial account has a zero balance.
    Type: Grant
    Filed: March 23, 2020
    Date of Patent: December 26, 2023
    Assignee: Worldpay, LLC
    Inventor: Jackson Andrew Unrau
  • Patent number: 11847657
    Abstract: Batch-processing of open tabs associated with one or more customers of a merchant is described. An identifier and/or payment instrument associated with the customer may be determined and a tab data structure associated with a customer may be created. The tab data structure may be configured to store interactions between the customer and the merchant. Details of transactions between the customer and the merchant may be stored while the tab remains open. In response to determining that an event has occurred, the open tab(s) may be closed and the stored transactions may be processed via a batch-processing technique. In this way, the open tabs associated with the customer and/or the merchant may be processed in batch, thereby reducing the level of interaction and resources required of the merchant and customer to process tabs individually and reducing the amount of delayed and/or lost funds.
    Type: Grant
    Filed: December 30, 2020
    Date of Patent: December 19, 2023
    Assignee: Block, Inc.
    Inventor: Kyle Callender
  • Patent number: 11847585
    Abstract: Processing transaction requests may be considered a computationally expensive operation for a computing system such as an e-commerce platform. An aspect of the present disclosure relates to systems and methods to reduce the number of transaction requests that are received and/or processed by a computing system. This may reduce demand on the computing system's resources and potentially improve the responsiveness of the computing system. In some embodiments, a set of users is selected based on at least one defined condition for a particular transaction request. Origination of the particular transaction request on behalf of users excluded from the set of users is prevented in order to reduce the number of the particular transaction requests that are received and/or processed by a corresponding computing system.
    Type: Grant
    Filed: October 11, 2022
    Date of Patent: December 19, 2023
    Assignee: SHOPIFY INC.
    Inventor: Christian Mackie
  • Patent number: 11842445
    Abstract: A method for representing a visualization of assets includes receiving a request for a transfer of assets from an electronic computing device having augmented reality (AR) capabilities or virtual reality (VR) capabilities. The request includes a source account, a destination account, and a transfer amount. An image data is generated, which is representative of the transfer amount being transferred from the source account to the destination account. The image data is sent to an image generator of the electronic computing device to be displayed.
    Type: Grant
    Filed: October 28, 2020
    Date of Patent: December 12, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Marjorie Summit Anzalone, Andriy Fedorchuk, Jason Huang, Graham Linn, Dennis E. Montenegro, Matthew Pearce, Ramanathan Ramanathan, Debarchana Roy, Adam Smith-Kipnis
  • Patent number: 11842344
    Abstract: Embodiments are directed to a first token vault managed by a token service provider and a second token vault managed by a second entity. The first token vault is continuously synchronized with the second token vault in real-time. That is, the data in the second token vault is updated simultaneously with or immediately after the data in the first token vault is updated. In some embodiments, the first token vault may be a master token vault and the second token vault may be a mirror token vault. The mirror token vault may store the same information as the master token vault. Alternatively, the mirror token vault may store a subset of the information stored at the master token vault. In other embodiments, the information stored at the first token vault and the information stored at the second token vault may be mutually exclusive.
    Type: Grant
    Filed: April 15, 2022
    Date of Patent: December 12, 2023
    Assignee: Visa International Service Association
    Inventors: Andrew Carpenter, Paul Tait, Dan Kurland, Barbara Patterson
  • Patent number: 11842326
    Abstract: A method for routing electronic payment transactions includes receiving transaction-related information from a merchant, extracting transaction routing criteria from the received transaction-related information, dynamically identifying one or more eligible payment networks based on extracted transaction routing criteria, predicting a likelihood of authorization acceptance for each identified network based on the transaction-related information, dynamically identifying one or more breakeven transaction amounts for each identified eligible payment network, each breakeven transaction amount defining a point at which two or more eligible payment networks have the same expenses for a given transaction amount, the expenses including costs associated with a low predicted likelihood of authorization acceptance, and routing signature debit transactions from the merchant to a least cost PIN-less debit network selected from the eligible payment networks based on identification of a desired breakeven transaction amount f
    Type: Grant
    Filed: October 27, 2021
    Date of Patent: December 12, 2023
    Assignee: Worldpay, LLC
    Inventors: Dennis A. Kettler, Ryan Clapp
  • Patent number: 11842325
    Abstract: Systems and methods are disclosed for least cost acquirer routing based on pricing models. One method comprises: receiving transaction-related information from a merchant, the transaction-related information including a payment network identifier of the payment network used in the initiated payment transaction; identifying the payment network used based on the payment network identifier determining the primary qualification criteria pertaining to the payment network used; determining an interchange rate and an interchange category based on the primary qualification criteria and the received transaction related information; determining a pricing model of an acquirer that yields the lowest fees applicable to the merchant based on one or more of, the transaction related information, the primary qualification criteria, and the interchange category; and transmitting the transaction-related information to the acquirer.
    Type: Grant
    Filed: February 16, 2021
    Date of Patent: December 12, 2023
    Assignee: Worldpay, LLC
    Inventor: Thiru Srinivasan
  • Patent number: 11842333
    Abstract: A payer transaction device enables secure offline transactions using a secure element providing a secure payer account database, a secure ledger database, and a wallet application. While the payer transaction device is not connected to the Internet, the wallet application receives a payee identifier and a transaction amount and verifies that the transaction amount is less than an available payer account balance in the secure payer account database. In response, the wallet application creates a digital token that allocates the transaction amount from the payer account balance to the payee identifier, and records the digital token in a payer secure ledger in the secure ledger database, which reduces the available payer account balance by the transaction amount. The wallet application then transfers the digital token to a payee transaction device over a peer-to-peer wireless connection and, subsequently, the digital token is synchronized with a ledger tracking system through the Internet.
    Type: Grant
    Filed: October 20, 2020
    Date of Patent: December 12, 2023
    Assignee: PAYPAL, INC.
    Inventors: Satish Narayan Govindarajan, Anantharaj Uruthiralingam, Carlos Rivas, Srikanth Nandiraju
  • Patent number: 11836732
    Abstract: One or more implementations shown in the present specification provide an offline payment method. A communication connection between a collection device and a payment device is established, wherein both the collection device and the payment device are in an offline state. Payment data sent by the collection device is received by the payment device through the communication connection established to the collection device. Payment processing based on the payment data and account information of the payment device is performed by the payment device, to obtain a payment result. The payment result is returned, by the payment device to the collection device through the communication connection. Collection processing is performed, by the collection device, based on the payment result and obtained account information of the payment device, to obtain a collection result.
    Type: Grant
    Filed: September 3, 2021
    Date of Patent: December 5, 2023
    Assignee: Advanced New Technologies Co., Ltd.
    Inventors: Huacheng Zhang, Wei Wang
  • Patent number: 11836691
    Abstract: A method for routing electronic payment transactions includes receiving transaction-related information from a merchant, extracting transaction routing criteria from the received transaction-related information, dynamically identifying one or more eligible payment networks based on extracted transaction routing criteria, predicting a likelihood of authorization acceptance for each identified network based on the transaction-related information, dynamically identifying one or more breakeven transaction amounts for each identified eligible payment network, each breakeven transaction amount defining a point at which two or more eligible payment networks have the same expenses for a given transaction amount, the expenses including costs associated with a low predicted likelihood of authorization acceptance, and routing signature debit transactions from the merchant to a least cost PIN-less debit network selected from the eligible payment networks based on identification of a desired breakeven transaction amount f
    Type: Grant
    Filed: October 27, 2021
    Date of Patent: December 5, 2023
    Assignee: Worldpay, LLC
    Inventors: Dennis A. Kettler, Ryan Clapp
  • Patent number: 11836790
    Abstract: Methods and systems are provided for providing an alternative payment platform, including method and systems for providing a platform for presenting an alternate offer to a user who is engaged with a primary offer and receiving an indication of the user's engagement with the alternate offer, wherein the user's engagement with the alternate offer serves as an alternative form of payment for an item associated with the primary offer. Such methods and systems may further include methods and systems for selecting one or more alternate offers engagement with which serves as an alternative form of payment for an item associated with a primary offer, presenting the selected alternate payment offers to a user, receiving an indication of engagement with at least one of the alternate offers, receiving payment in exchange for presenting the accepted offer and providing payment to the offeror of the primary offer.
    Type: Grant
    Filed: August 19, 2019
    Date of Patent: December 5, 2023
    Assignee: TRIALPAY, INC.
    Inventors: Alastair Rampell, Alexander E Campbell, Terry Angelos
  • Patent number: 11831748
    Abstract: The invention is a system and method for improving the reliability of data on blockchain by proofing the data onto another blockchain by use of nonfederated nodes. Contemplated within the scope of the invention is resolution process for data forks within a blockchain network.
    Type: Grant
    Filed: January 17, 2017
    Date of Patent: November 28, 2023
    Inventors: Justin Fisher, Maxwell Sanchez
  • Patent number: 11829985
    Abstract: A transaction approval system makes an assessment in real time whether to approve a purchase transaction and to select an account of the customer to fund the purchase transaction. The transaction approval system can use a machine learning model to select the appropriate account of the customer to fund a purchase transaction that satisfies one or more preferences or goals established by the customer or the system. The machine learning model can receive, as inputs, information on one or more of the customer's accounts, user preference information, information regarding the transaction and/or information regarding prior transactions by the customer and use the inputs and machine learning model to make a selection of a customer account that satisfies the preferences or goals established by the customer or system.
    Type: Grant
    Filed: September 30, 2020
    Date of Patent: November 28, 2023
    Assignee: Chime Financial, Inc.
    Inventors: Michael Ducker, Taylor Lentz, Tilo Sloboda
  • Patent number: 11829866
    Abstract: A method and system distinguish between anomalous members of a majority group and members of a target group. The system and method utilize a neural network architecture that attends to each level of a classification hierarchy. The system and method chain a semi-supervised autoencoder with a supervised classifier neural network. The autoencoder is trained in a semi-supervised manner with a machine learning process to identify user profile data that are typical of a majority class. The classifier neural network is trained in a supervised manner with a machine learning process to distinguish between user profile data that are anomalous members of the majority class and user profile data that are members of the target class.
    Type: Grant
    Filed: December 27, 2017
    Date of Patent: November 28, 2023
    Assignee: Intuit Inc.
    Inventors: Efraim Feinstein, Riley F. Edmunds
  • Patent number: 11823223
    Abstract: A reward card platform includes a database storing funding accounts, reward card purchase transactions, reward card brand options, and denomination options. The platform provides a user interface for purchasing reward cards from multiple third party suppliers. The user interface commits reward card purchase transactions using the funding accounts and specified reward card brand and denomination options. The platform obtains reward card items from supplier APIs corresponding to specified reward card brand and denomination options. The platform includes a buffer storing reward card inventory items.
    Type: Grant
    Filed: June 22, 2021
    Date of Patent: November 21, 2023
    Assignee: Tango Card, Inc.
    Inventors: J J Zabkar, Israel E. Evans, James A. Johnston, Gregory S. Lee, Chek T. Lim
  • Patent number: 11823143
    Abstract: A system for interfacing predetermined services to a user at a fixed location includes a processing platform running an operating system. The system further includes a data store for storing configuration information for enabling the operating system to interface with available physical system resources through the physical system resource interface associated therewith. A communication resource for interfacing with the operating system allows communication of the operating system with a central office for downloading configuration information to selectively enable ones of the available physical system resources to interface with the operating system through associated ones of the physical system resource interfaces in accordance with the configuration information and the predetermined service selected by a user. A plurality of configurations is stored in the data store, and each is associated with a predetermined service and one or more of the available physical system resources.
    Type: Grant
    Filed: February 17, 2022
    Date of Patent: November 21, 2023
    Assignee: Ganart Technologies, Inc.
    Inventors: Anthony M. Cacheria, III, David Hooker, Wayne Thomas McHugh, Kristopher Glover, Webb Edwards, Arthur Martin Holbrook, Barrett Jenkins, Purnendu Mishra, Mohamed Safir Salihu
  • Patent number: 11823144
    Abstract: A method, computer system, and a computer program product for an online group payment is provided. The present invention may include registering a first party using a virtual account service and initiating a joint deal with a merchant. The present invention may include publishing the joint deal. The present invention may include subscribing a second party to the joint deal. The present invention may include invoking a transfer of an approved fund from a second party account to a virtual account service account. The present invention may include in response to meeting a first threshold, executing the joint deal, wherein the executed joint deal includes, executing a merchant payment associated with the joint deal. The present invention may include in response to a cancelation of the joint deal, automatically rescinding the payment authorization from the second party.
    Type: Grant
    Filed: February 28, 2019
    Date of Patent: November 21, 2023
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Pradeep Parameshwaran, Wenjia Zhang, Wilhelm Mild, Andreas Nauerz
  • Patent number: 11818205
    Abstract: Systems, computer program products, and methods are described herein for identity-based exposure detection in peer-to-peer (P2P) platforms. The present invention is configured to receive, from a computing device of a P2P platform, an indication that a user has initiated a P2P resource transfer request to a first entity; retrieve, from a computing device of the P2P platform, resource transfer information of the first entity based on at least the P2P resource transfer request; initiate a database query on a P2P knowledge repository using the resource transfer information of the first entity; determine a match between the resource transfer information of the first entity and at least one entity record in the P2P knowledge repository based on at least initiating the database query; and transmit a notification to the computing device of the P2P platform indicating that the first entity is known to be associated with misappropriate activity.
    Type: Grant
    Filed: March 12, 2021
    Date of Patent: November 14, 2023
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Daniel Jerry August, Neal Aaron Slensker
  • Patent number: 11816661
    Abstract: A method, computer system, and a computer program product for managing digital currency is provided. The present invention may include initializing a digital wallet. The present invention may include receiving one or more digital currencies. The present invention may include performing one or more transactions using the one or more digital currencies, wherein each of the one or more transactions has a hash value recorded on a local ledger maintained on the digital wallet. The present invention may include broadcasting the local ledger to a shared ledger maintained by a fund source. The present invention may include synchronizing the digital wallet with the found source by releasing a value held in suspense based on a total value of the one or more digital currencies remaining on the digital wallet.
    Type: Grant
    Filed: March 17, 2021
    Date of Patent: November 14, 2023
    Assignee: International Business Machines Corporation
    Inventors: Mukundan Sundararajan, Siddharth K. Saraya
  • Patent number: 11818154
    Abstract: Systems and methods for preventing insider threats. An identity provider system at least one of identifies and authenticates one or more users. A relying party system provides access to at least one electronic resource. A storage system stores one or more immutable records. The immutable records store user credential reference information associated with the users, including verifiable assurance of user identity mutually written by the identity provider and relying party systems. The identity provider system and the relying party system are configured to independently at least one of verify and validate a user request associated with at least one user among the users based on the user credential reference information stored in the immutable records.
    Type: Grant
    Filed: June 15, 2021
    Date of Patent: November 14, 2023
    Assignee: iDee Limited
    Inventors: Al Lakhani, Dennis Kelechi Okpara
  • Patent number: 11816742
    Abstract: An electronic tax assistant for assisting a user in preparing for a tax return preparation process, wherein the electronic tax assistant performs the following steps: determine a trigger based upon a data input, wherein the trigger is indicative of a potential tax implication; determine a data request based at least in part on the data input, wherein at least one of the data input and the data request is associated with an external device; receive a response based upon the data request, wherein the response is indicative as to whether the trigger is indicative of an actual tax implication; and provide, upon determining the actual tax implication, information in indicative of the data input and the response to an external repository associated with a tax preparation system.
    Type: Grant
    Filed: April 28, 2017
    Date of Patent: November 14, 2023
    Assignee: HRB Innovations, Inc.
    Inventors: Vinayak Kamat, Jason Houseworth, Todd Alexander Michael
  • Patent number: 11818292
    Abstract: Processing customer communications may include receiving a communication from a customer device via a first communication medium, designating the communication as an active communication, receiving a display selection to receive content during the active communication status and designating a current customer status, parsing the current customer status to identify a current condition, assigning an agent to the customer record based on the current condition, retrieving at least one pre-recorded content file associated with the assigned agent and the current customer condition, and forwarding the pre-recorded content file to the customer device via a second communication medium different from the first communication medium.
    Type: Grant
    Filed: February 13, 2017
    Date of Patent: November 14, 2023
    Assignee: INTRADO CORPORATION
    Inventors: Andrew Bird, Jil M. Fisher, David Stirk, Craig A. Webster
  • Patent number: 11810071
    Abstract: A computerized system and method for management of leased real property comprises various modules which enhance system operations and the user interface for such system. One subsystem involves the production schedule for the residential units of multi-unit dwellings. The associated move-in/move-out subsystem determines a first set of the residential units comprising vacant units being turned over to become rent-ready, a second set of the residential units comprising units under renovation, and a third set of the units comprising rent-ready units. Additional modules or subsystems for the computerized system identify and improve workflows related to management of the multi-unit dwellings and residential units therein, such as virtual tour development, residential unit damage processing, and stale apartment rentals.
    Type: Grant
    Filed: September 4, 2020
    Date of Patent: November 7, 2023
    Inventor: Frank Lindy
  • Patent number: RE49731
    Abstract: Various embodiments are provided for facilitating the operation and control of a fleet of on-site energy assets and optimizing energy dispatch across the fleet, thereby facilitating the use of the on-site energy assets instead of grid-supplied electric consumption. An example system may comprise a central platform and a plurality of on-site gateway devices configured to perform on-site asset control. An example method may comprise receiving a service availability call, performing fleet-level optimization, generating a set of site-level schedules, and causing, as a function of the site-level schedules, real-time on-site asset control.
    Type: Grant
    Filed: April 30, 2021
    Date of Patent: November 21, 2023
    Assignee: SWELL ENERGY INC.
    Inventors: Ja-Chin Audrey Lee, Corey Noone, Kate Knox