Including Funds Transfer Or Credit Transaction Patents (Class 705/39)
  • Patent number: 11367056
    Abstract: A method for selling a cryptocurrency via a consumer-operated kiosk is provided. In some embodiments, the method: displays to a user, via a user interface, one or more options to purchase one or more cryptocurrencies; receives from the user, via the user interface, a selection of one of the cryptocurrencies; obtains a cryptocurrency exchange rate from a cryptocurrency exchange; presents the exchange rate to the user via the user interface; receives from the user payment for the selected cryptocurrency via a bill acceptor; purchases the selected cryptocurrency from the cryptocurrency exchange in an amount based on a value of the received payment and the exchange rate; and displays to the user, via the user interface, a receipt having a redemption code and a personal identification number (PIN), wherein both the redemption code and the PIN are necessary to obtain the selected cryptocurrency.
    Type: Grant
    Filed: April 21, 2020
    Date of Patent: June 21, 2022
    Assignee: Coinstar Asset Holdings, LLC
    Inventor: Jason Friedlander
  • Patent number: 11367054
    Abstract: The present disclosure is related to a biological recognition technology-based mobile payment device, method and apparatus, and a storage medium. The method includes receiving, by a payment Trusted Application (TA) that operates in a Trusted Execution Environment (TEE) on a device, a call request from one of a plurality of third party payment applications that are installed on the device and operate with the payment TA, determining content to be encrypted and an encryption parameter for performing encryption based on the call request, acquiring a result of biometric recognition from a biometric recognition application, encrypting the content according to the encryption parameter and the result of biometric recognition and returning the encrypted content to the third party payment application that generates the call request, for the third party payment application to perform a pay tent-related operation based on the encrypted content.
    Type: Grant
    Filed: July 11, 2016
    Date of Patent: June 21, 2022
    Assignee: Xiaomi Inc.
    Inventors: Yang Hu, Yuanyuan Huang
  • Patent number: 11367137
    Abstract: Disclosed are a payment processing apparatus using a virtual currency with an automatic trading function of the virtual currency and an operating method thereof. The present invention may provide a platform which may use a virtual currency as a trading means of goods by presenting a payment processing apparatus for supporting a product purchaser to pay a price of a product to a product seller using a virtual currency and an operating method thereof.
    Type: Grant
    Filed: March 5, 2020
    Date of Patent: June 21, 2022
    Assignee: UBIFUN CO., LTD.
    Inventors: Jin Hwan Park, Ji Sung Kim
  • Patent number: 11367070
    Abstract: A computer system for provisioning a data transfer method is disclosed, comprising a processor, and a communications module and a memory coupled to the processor. The memory stores instructions that, when executed by the processor, cause the computer system to: receive a provisioning request for a data transfer method; send, to a server associated with the data transfer method, a request, based on the provisioning request, for assignment of a data transfer identifier; receive, from the server, the data transfer identifier responsive to the request for assignment of the data transfer identifier; obtain a data transfer token corresponding to the data transfer identifier by: sending, to a token service provider, a request for the token comprising the data transfer identifier; receiving, from the token service provider, a data transfer token in response to the request for the token; and, send a reply to the provisioning request comprising the token.
    Type: Grant
    Filed: September 19, 2017
    Date of Patent: June 21, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Adrian Bloy, Ryan Edmund Vekeman, Connie Maun-Fong Chan, Sebastien Forget, Daniel Lam Tin Cheung, John Jong-Suk Lee, Arun Victor Jagga
  • Patent number: 11367114
    Abstract: Among other things, embodiments of the present disclosure enables corporate entities to connect with each other and enables social networking interactions, credibility rating, identity verification, and/or business transactions between the corporate entities.
    Type: Grant
    Filed: February 3, 2020
    Date of Patent: June 21, 2022
    Assignee: BILL.COM, LLC
    Inventors: Henrique Pedreira de Freitas Ceribelli, Eric Chan, Mark Orttung, Darren Linscott
  • Patent number: 11361290
    Abstract: A method including storing a record in an information directory of a computer system. The method also includes receiving a confirmation that a particular identifier of the one or more public identifiers is useable to contact the recipient based on one or more responses to one or more authentication request messages. The method additionally includes receiving, through the computer network, a funds transfer request from a sender having a sender account at a second financial institution. The method further includes determining a private identifier for the recipient account using the information directory based on the particular public identifier of the one or more public identifiers.
    Type: Grant
    Filed: September 17, 2018
    Date of Patent: June 14, 2022
    Assignee: EARLY WARNING SERVICES, LLC
    Inventors: Kevin Bouey, Sri Saravana Muthu, Brian M. Pearce, Adam Vancini
  • Patent number: 11354649
    Abstract: System and methods for managing value products such as stored value cards are provided. A computer-implemented system comprising: a first value product, wherein a first value product package identifier requires that all of the first value product's digital funds be redeemed in a single transaction; a second value product; and a specially programmed computer server, the methods and system allowing a user to use a portion of the first value product's digital funds in a first transaction and a remainder of the first value product's digital funds in one or more subsequent transactions.
    Type: Grant
    Filed: November 13, 2015
    Date of Patent: June 7, 2022
    Assignee: Blackhawk Network, Inc.
    Inventors: Jeff Pomeroy, Tomas A. Campos, Jonathan Lister
  • Patent number: 11355009
    Abstract: A vehicle identification system includes one or more displays associated with a vehicle, a transceiver, and a controller communicatively coupled to the transceiver. The one or more displays are located to be visible from an exterior of the vehicle. The controller is adapted to generate a first signal to be transmitted by the transceiver to a mobile communication device associated with a driver of the vehicle when it is determined that the vehicle is within a predetermined distance of a specific location. The mobile communication device associated with the driver is adapted to generate a second signal to be transmitted to the one or more displays. The second signal represents an indicator.
    Type: Grant
    Filed: July 8, 2020
    Date of Patent: June 7, 2022
    Assignee: RIDESHARE DISPLAYS, INC.
    Inventor: Dereje M. Demisse
  • Patent number: 11348087
    Abstract: A method for identifying a funds transfer opportunity in an electronic media accessed by a mobile device may include monitoring the electronic media for the funds transfer opportunity, identifying the funds transfer opportunity in the electronic media, and outputting indication for the funds transfer opportunity in the electronic media. The method may further include receiving confirmation to instantiate a funds transfer based on the indicated funds transfer opportunity on the mobile device and instantiating the funds transfer based on the received confirmation.
    Type: Grant
    Filed: December 6, 2019
    Date of Patent: May 31, 2022
    Assignee: The Western Union Company
    Inventor: Craig Brooks
  • Patent number: 11348169
    Abstract: A network device accesses a server via a network to collect information from a user and to verify identification of the user. Financial information of the user is accessed from one or more sources other than the user. An indicator of financial responsibility is assigned to the user based on the collected information and the accessed financial information of the user. The indicator of financial responsibility is disclosed to other persons under conditions selected by the user by communicating the indicator of financial responsibility via the network to one or more network devices.
    Type: Grant
    Filed: August 29, 2020
    Date of Patent: May 31, 2022
    Assignee: Credit Sesame
    Inventors: Amir Adrian Nazari, Sean Donn
  • Patent number: 11348194
    Abstract: A method and system are provided for interfacing entities engaged in property exchange activities. The method includes receiving a first signal including a request to engage in a property exchange activity by an acquiring entity, accessing first profile data for the acquiring entity, accessing second profile data for each of a plurality of advisor entities related to the property exchange activity, using the first profile data and the second profile data to generate at least one proposed match between a corresponding one or more of the plurality of advisor entities and the acquiring entity, sending a second signal including a recommendation, enabling the acquiring entity to respond to the recommendation and engage with advisor entities, providing a first advisor connection between the acquiring entity and the first advisor entity, and enabling at least one interaction in at least one advisor activity between the acquiring entity and the first advisor entity.
    Type: Grant
    Filed: February 13, 2019
    Date of Patent: May 31, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Patrick Gibbon, James Zachary Pryor, Jonathan K. Barnett, Roy D'souza, William Stewart James Law, Christopher Arthur Holland McAlpine, Ethan Christopher McAlpine, Maria Verna, Patrick Robert Goralski, Cathleen Ruth Carrel, Rohan Anand, Christy Ann Dyba, Dheeraj Jagtiani, Ali Hafezi, Ashkan Alavi-Harati
  • Patent number: 11348081
    Abstract: A method of using cryptocurrency to transact fiat currency purchases using conventional POS apparatus includes funding by a user of a cryptocurrency account that requires withdrawal transactions to be signed by both the user and a payment platform. Upon purchase initiation, a platform-issued authorization number is entered into a merchant's POS apparatus and transmitted to the platform. Upon verification of sufficient cryptocurrency, the platform transmits payment information to the user, and upon approval thereof by the user, the user transmits a user-signed cryptocurrency transaction to the platform, and the platform remits fiat currency to the merchant. As purchases continue during an aggregation period, each user-signed transaction is sufficient to fund the aggregated purchases. Upon termination of the aggregation period, the most recent user-signed transaction is executed to withdraw cryptocurrency from the user's account.
    Type: Grant
    Filed: May 15, 2020
    Date of Patent: May 31, 2022
    Assignee: Flowency, LLC.
    Inventors: Peter Millius, David M Wilkie, Andrew John Phillipson, Christopher Ian Patton
  • Patent number: 11341483
    Abstract: Various examples are directed to computer-implemented systems and methods for enhanced security for mobile wallets in multiple devices. The method includes using a wearable computing device to submit an account payment transaction at a point of sale device. The point of sale device sends a transaction request message requesting authorization for the account payment transaction on an account of a user of the wearable computing device. An encrypted authentication token is received at a mobile computing device from a mobile wallet provider in response to the transaction request message, and the token is sent to the wearable computing device. The wearable computing device receives the token and forwards it to the mobile wallet provider. An authorization message is received from the mobile wallet provider after the token is verified.
    Type: Grant
    Filed: July 30, 2020
    Date of Patent: May 24, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Joon Maeng
  • Patent number: 11341467
    Abstract: Systems and methods are described for monitoring content consumption. A method may comprise determining, by a device, content accessed by one or more user devices. The method may comprise causing a distributed ledger record to be generated. The distributed ledger record may comprise an indication of the content. The distributed ledger record may be stored on a distributed ledger. The distributed ledger may comprise other records indicating content accessed by a plurality of other devices.
    Type: Grant
    Filed: May 15, 2018
    Date of Patent: May 24, 2022
    Assignee: Comcast Cable Communications, LLC
    Inventors: Abhijeet Vijay Mulye, Bernard Burg
  • Patent number: 11334883
    Abstract: The present invention generally relates to a method, system and program product for depositing, holding and/or distributing collateral in the form of digital assets in a peer-to-peer network.
    Type: Grant
    Filed: July 22, 2019
    Date of Patent: May 17, 2022
    Assignee: Gemini IP, LLC
    Inventors: Ira Auerbach, Cem Paya, Michael So, Daniel William Halley James, Cameron Howard Winklevoss, Tyler Howard Winklevoss, Anas Saidi, Jamie Chapman
  • Patent number: 11335199
    Abstract: A parking control system includes a cloud server, a sensor coupled to a parking spot, and a mobile robot device. The sensor detects a vehicle entering the parking spot, and transmits a first signal to the cloud server. The cloud server, upon reception of the first signal, records an entry time of the vehicle, and dispatches the mobile robot device to the parking spot. The mobile robot device captures identification information of the vehicle by a camera, and transmits a second signal including the identification information to the cloud server. The sensor detects the vehicle exiting the parking spot, and transmits a third signal to the cloud server. The cloud server, upon reception of the third signal, records an exit time of the vehicle. The cloud server calculates a parking duration between the entry time and the exit time, and determines whether the parking duration has exceeded a predetermined duration.
    Type: Grant
    Filed: April 14, 2020
    Date of Patent: May 17, 2022
    Assignee: SAUDI ARABIAN OIL COMPANY
    Inventors: Hussain A. Al-Rasheed, Dima M. Alalharith
  • Patent number: 11334885
    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: May 22, 2020
    Date of Patent: May 17, 2022
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Andrew Carpenter, Paul Tait, Dan Kurland, Barbara Patterson
  • Patent number: 11334870
    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: December 30, 2019
    Date of Patent: May 17, 2022
    Assignee: Capital One Services, LLC
    Inventors: Michael Mossoba, Abdelkadar M'Hamed Benkreira, Joshua Edwards
  • Patent number: 11334886
    Abstract: Techniques for a secure and flexible distributed job processing between a transaction network of a service provider and a processing endpoint of an entity are described. In an example, a transaction instrument may be used for a transaction and may be registered with the processing endpoint based on a transaction account. The transaction network may store an ownership object associating a token corresponding to the transaction instrument, a user identifier unique to a user account, and a provider identifier unique to the transaction account. The transaction network may identify a membership status of the user account and may customize the transaction based on this status. The transaction, as customized, may be completed by sending the provider identifier and data about the customization to the processing endpoint.
    Type: Grant
    Filed: October 7, 2020
    Date of Patent: May 17, 2022
    Assignee: Amazon Technologies, Inc.
    Inventor: Sachin Girdhar
  • Patent number: 11329826
    Abstract: Exemplary embodiments are directed to a blockchain-based communication system. The system includes a public blockchain, a private blockchain and a processing device in communication with the public and private blockchains. The public blockchain includes a database configured to electronically store registration data associated with an originator and at least one recipient. The private blockchain is configured to allow for transmission of data between the originator and the at least one recipient. The processing device is configured to receive a request from the originator to compose a message to be transmitted from the originator to the least one recipient, receive as input and associate at least one digital rights management (DRM) parameter with content of the message, and generate a micro-blockchain within the private blockchain having an originator node associated with the originator and a recipient node associated with the at least one recipient.
    Type: Grant
    Filed: January 8, 2020
    Date of Patent: May 10, 2022
    Assignee: DATCHAT, INC.
    Inventor: Darin Myman
  • Patent number: 11328272
    Abstract: An auto-enrollment billing updater (AEBU) computing device for enrolling enrollees in an automatic updating program is provided.
    Type: Grant
    Filed: April 20, 2020
    Date of Patent: May 10, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Kyle Williams, David J. Senci
  • Patent number: 11328293
    Abstract: Systems and methods for multi-merchant tokenization may include receiving a transaction from a point of sale terminal of a merchant, validating the merchant ID against merchant logs, and generating a token for the transaction. The token includes a primary account number, expiration, and a group ID. Additionally, the system provides the primary account number to a payment system and receives a response back. The response is then output back to the merchant along with the token. In subsequent transactions, the system may receive the token from a one point of sale terminal of the merchant. The system validates the merchant ID against merchant logs and ensures the merchant is configured for tokenization. The token is decrypted and the group ID is compared to the merchant ID in the merchant logs. When they match, the primary account number is provided to the payment system for approval.
    Type: Grant
    Filed: May 29, 2020
    Date of Patent: May 10, 2022
    Assignee: Worldpay, LLC
    Inventors: Michelle K. Plomske, Charles E. Watts, Matthew D. Ozvat
  • Patent number: 11321684
    Abstract: There are provided systems and methods for measuring tap pressure on mobile devices to automate actions. A computing device, such as a mobile smart phone, may include a touch screen interface that may accept touch inputs. A touch input may include a presence and location of the touch input on the touch screen interface. Additionally, the computing device may detect a pressure or force applied to the touch screen interface with the touch input. The computing device may include a payment application, where the touch input may be received during use of the payment application. The pressure of the touch input may further define the input for the payment application. For example, a touch input with a first pressure may cause a first process to be initiated, while a second pressure may cause a second process to be initiated.
    Type: Grant
    Filed: September 15, 2020
    Date of Patent: May 3, 2022
    Assignee: PAYPAL, INC.
    Inventor: Pankaj Sarin
  • Patent number: 11321682
    Abstract: A method including receiving a funds transfer request from a sender through a computer network to facilitate a transfer of funds to a recipient. The method also can include determining that the recipient is not a registered user of the computer-implemented funds transfer payment network. The method additionally can include automatically transmitting an invitation to the recipient to join the computer-implemented funds transfer payment network. The invitation can be directed to the recipient using the token for the recipient from the funds transfer request by sending the invitation to the recipient using the token. The method further can include receiving a response to the invitation from the recipient. The method additionally can include collecting identifying information that identifies the recipient. The method further can include creating a record for the recipient in a database of registered users contained in the computer-implemented funds transfer payment network.
    Type: Grant
    Filed: August 26, 2019
    Date of Patent: May 3, 2022
    Assignee: EARLY WARNING SERVICES, LLC
    Inventors: Sri Saravana Muthu, John G. Feldman, Esther Pigg, Jeffrey Cornman, Alfonso McMillian
  • Patent number: 11323396
    Abstract: A system and method for secure vehicle communication of a vehicle. The system comprises a communication system comprising at least one telematics module for executing one or more telematics applications, and a session module for session management of the telematics applications, wherein the session management comprises the assigning of at least one session identification, session ID, to each telematics application, wherein the session module assigns a new session ID to each telematics application after expiration of a predetermined time period.
    Type: Grant
    Filed: August 21, 2019
    Date of Patent: May 3, 2022
    Assignee: Bayerische Motoren Werke Aktiengesellschaft
    Inventors: Konrad Huebner, Reinhard Jurk
  • Patent number: 11321734
    Abstract: An information processing method, a server, and a computer storage medium are provided. The method includes: generating a first information identification code according to first information, the first information representing an information source; providing the first information identification code to a terminal; receiving a first request from the terminal and allowing a terminal user of the terminal to follow an information service, the first request carrying the first information; and recording the first information and tracking and obtaining conversion information of the information source according to the first information.
    Type: Grant
    Filed: June 18, 2018
    Date of Patent: May 3, 2022
    Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED
    Inventors: Peng Yin, Qian Wang, Jun Xian Guo, Dong Yang, Can Zheng, Yuan Wang, Rong Yan, Hui Liu, Chen Jun Yang, Cheng Chen, Zhou Zhou, Shao Gang Tang
  • Patent number: 11314933
    Abstract: An example method includes determining a subset of content displayed by an application on a user interface (UI) of a user device, wherein the subset excludes user-specific information. The method further includes transmitting a request to a remote provider for at least one template for use with the application, wherein the request comprises the subset of content displayed on the UI. The method also includes receiving a response to the request from the remote provider, wherein the response comprises the at least one template indicating how to process user input data in one or more text input fields displayed by the application on the UI, and generating a prompt to authorize transmission of the one or more user input values to the remote provider for future use in autofill, wherein the prompt is customized by processing the one or more user input values using the at least one template.
    Type: Grant
    Filed: October 23, 2018
    Date of Patent: April 26, 2022
    Assignee: Google LLC
    Inventors: Felipe Leme, Svetoslav Ganov, Jason Long
  • Patent number: 11315136
    Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically modifying a financial product associated with a user, where the modified financial product is associated with an updated benefit at a partner system. One example method comprises receiving an indication of acceptance associated with a particular partner-related product for replacing a current product associated with a first customer. At least one term or condition associated with the particular partner-related product different than terms or conditions associated with the at least one current product are identified, including a change to at least one benefit associated with the partner system. The terms associated with the current product are modified without changing the unique identifier, and an indication of the at least one updated benefit associated with the partner system is transmitted to the partner system for immediate usage by the first customer.
    Type: Grant
    Filed: October 8, 2019
    Date of Patent: April 26, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Adrian Bloy, Daniel Lam Tin Cheung, Asgar Maleki, Michael James Taggart
  • Patent number: 11308470
    Abstract: Methods and systems related to near field communication (NFC) front ends for point of sale terminals are disclosed. One point of sale system includes an applications microprocessor programmed to: (i) instantiate an operating system for the point of sale system and (ii) generate a set of data packets. The system also includes a discrete microcontroller communicatively coupled with the applications microprocessor and programmed to: (i) selectively operate in an unsecure mode and a secure mode; and (ii) filter, when operating in the unsecure mode, the set of data packets received from the applications microprocessor using a filter and a whitelist for the filter. The system also includes a near field communication front end communicatively coupled to the discrete microcontroller and an antenna, for transmitting a near field communication signal based on information from the set of data packets via the antenna.
    Type: Grant
    Filed: April 9, 2020
    Date of Patent: April 19, 2022
    Assignee: Clover Network, LLC
    Inventors: Ketan Patwardhan, Narayanan Gopalakrishnan, Victor Pan, James Castillo
  • Patent number: 11308464
    Abstract: A non-transitory computer-readable recording medium recorded with an information processing program executable by a processor of an information processing apparatus, the information processing program causing the processor to perform operations including configuring an operation area on a display unit of the information processing apparatus, the operation area being associated with a payment target candidate user, determining a payment amount, based on an extent of an action in a user operation performed in the operation area, and transmitting information about a payment of the payment amount with respect to the payment target candidate user.
    Type: Grant
    Filed: April 7, 2020
    Date of Patent: April 19, 2022
    Assignee: Mercari, Inc.
    Inventors: Kan Uchida, Kazuki Takahashi
  • Patent number: 11301351
    Abstract: An overall performance metric of a computer system may be determined for each bin of the set of analysis bins. In case one or more bins of the set of analysis bins do not have at least a predefined minimum number of records, a new set of analysis bins may be redefined by joining analysis bins of the set of analysis bins. For each bin of the redefined set of bins a machine learning (ML) performance metric of the ML model may be computed. The ML performance metric may be estimated for the set of analysis bins using the ML performance metrics of the redefined bins. The computer system may be configured based on a correlation over the set of analysis bins between the computed overall performance metric and the ML performance metric.
    Type: Grant
    Filed: March 27, 2020
    Date of Patent: April 12, 2022
    Assignee: International Business Machines Corporation
    Inventors: Rafal Bigaj, Lukasz G. Cmielowski, Wojciech Sobala, Maksymilian Erazmus
  • Patent number: 11301574
    Abstract: Embodiments disclosed herein provide for systems and methods for converting a community device to a personal device. A personalization option is selected on a portable computing device. A device management server is queried to verify that a specific individual has authorization to personalize the portable computing device. If authorization is confirmed, the portable computing device is configured so that only credentials for the specific individual can be used to access the portable computing device. Authorization may include verifying that the specific individual has sufficient funding and/or verifying that a third party has provided funding for the specific individual. Restricted content is automatically downloaded onto the portable computing device as part of or following the personalization process.
    Type: Grant
    Filed: December 21, 2017
    Date of Patent: April 12, 2022
    Assignee: Securus Technologies, LLC
    Inventor: Matthew R. Smith
  • Patent number: 11295282
    Abstract: A system and method for receiving and executing emoji based commands in messaging applications. The system and method may include processes such as identifying emojis in a message, determining one or more action based on the emoji, and completing the determined actions.
    Type: Grant
    Filed: September 1, 2020
    Date of Patent: April 5, 2022
    Assignee: PAYPAL, INC.
    Inventors: Poornima Venkatakrishnan, Megan Marie O'Neill
  • Patent number: 11295297
    Abstract: A computer-implemented method includes receiving, by a mobile wallet computing system, information relating to a usable object from a party and provisioning, by the mobile wallet computing system, the usable object to a mobile wallet associated with a user. The computer-implemented method further includes receiving, by the mobile wallet computing system, one or more rules relating to the usable object from the party, wherein the one or more rules define an activation condition for the usable object such that when the activation condition is fulfilled the usable object is active in the mobile wallet of the user; determining, by the mobile wallet computing system, whether the activation condition is fulfilled; and in response to the activation condition for the usable object being fulfilled, activating, by the mobile wallet computing system, the usable object in the mobile wallet of the user.
    Type: Grant
    Filed: February 26, 2018
    Date of Patent: April 5, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Kristine Ing Kushner, Laurence Poirier, Ramanathan Ramanathan, John Wright
  • Patent number: 11295370
    Abstract: A streamlined buyback solution may pre-calculate user data and pre-assess a user inventory, and then may present a buyback offer to a user based on user activity. A user trust assessment may determine the trust score for the user. The buyback assessment may identify items in the user inventory and determine assessed values and opportunity criteria for the items based on data from cost analysis and/or data from user behavior analysis. The opportunity criteria may be based on a model that is trained to analyze user patterns using a learning model. Based on the trust score, assessed values, and opportunity criteria, the user may be presented with a streamlined buyback offer allowing the user to apply the buyback offer value to discount a primary purchase order in a seamless transaction.
    Type: Grant
    Filed: January 26, 2021
    Date of Patent: April 5, 2022
    Assignee: Amazon Technologies, Inc.
    Inventors: Pallavi Priyadarshini, Jeffrey Ross Panaguiton Damian, Mark Joseph Tan, Arpit Gaur
  • Patent number: 11295307
    Abstract: A method and an apparatus of obtaining location information are disclosed. According to the disclosed method, a server obtains transaction data uploaded by a terminal, determines a transaction device identifier and transaction address information included in the transaction data, and determines and stores location information of a transaction device corresponding to the transaction device identifier based on the transaction address information. Using the above method, the server is able to automatically record the location information of the transaction device through the transaction data uploaded by the terminal, without the need of manually recording the location information of the transaction device, thereby effectively enhancing the efficiency of obtaining the location information of the transaction device.
    Type: Grant
    Filed: November 16, 2020
    Date of Patent: April 5, 2022
    Assignee: ADVANCED NEW TECHNOLOGIES CO., LTD.
    Inventors: Hui Liu, Lin Zhou, Haohua Zheng, Huifeng Jin, Tiancheng Xiang
  • Patent number: 11295281
    Abstract: Embodiments are directed to monetary transaction system for conducting monetary transactions between transaction system subscribers and other entities. In one scenario, the monetary transaction system includes a mobile device that runs a monetary transaction system application. The monetary transaction system also includes a subscriber that has a profile with the system. The subscriber indicates a transaction that is to be performed with the monetary transaction system. The system further includes a monetary transaction system processor that performs the transactions specified by the subscriber including communicating with a monetary transaction database to determine whether the transaction is permissible based on data indicated in the subscriber's profile. The monetary transaction system also includes at least one entity that is to be involved in the specified transaction, where the entity has a profile with the monetary transaction system.
    Type: Grant
    Filed: November 10, 2017
    Date of Patent: April 5, 2022
    Assignee: FINTIV, INC.
    Inventors: Michael A. Liberty, Felipe Fernandes
  • Patent number: 11295302
    Abstract: A user computing device generates a token while the user computing device is in an offline mode and not connected to an external network. The token includes information of an amount of cryptocurrency to be transferred from a user account to a receiving account and information of a first password for enabling the transfer. The token is signed by the user computing device with a private key while in the offline mode and the signed token is stored by the user computing device on a portable device. A receiving device receiving the signed token from the portable user storage device, authenticates a user corresponding to the user account based on the signed token, receives a second password, compares the first and second passwords for enabling the transfer, and transfers the amount of cryptocurrency from the user account to the receiving account based on the information included in the token.
    Type: Grant
    Filed: December 16, 2015
    Date of Patent: April 5, 2022
    Assignee: International Business Machines Corporation
    Inventors: Elli Androulaki, Andreas Kind, Ioannis Koltsidas
  • Patent number: 11288733
    Abstract: A 3D interface generator computing device (“3D device”) is provided. The 3D device includes at least one sensor, a projector, and a memory that stores (i) a 3D image including 3D elements, (ii) identification for individuals, each associated with an element, and (iii) list data associated with an individual and purchase options. The 3D device includes at least one processor coupled to the memory, the projector, and the sensor. The processor is configured to project the 3D image into a real-world space. The 3D device also receives a first interaction with a 3D element, retrieves the individual associated with the 3D element and a set of list data associated with the individual. The 3D device overlays purchase option images onto the 3D image, each representing an option in the list data, receives a second interaction with a purchase option image, and generates a purchase transaction request for the purchase option.
    Type: Grant
    Filed: November 14, 2018
    Date of Patent: March 29, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Christopher T. Scholl, James W. Barkhurst
  • Patent number: 11288660
    Abstract: A computer system accesses a database to retrieve account balance information for an account held by a user at a financial institution. The computer system generates a screen display to present to the user via a mobile device. The screen display shows the account balance information. The computer system receives, via the mobile device, an indication from the user that the user wishes to perform a mobile wallet transaction to transfer funds to a recipient. The computer system transmits the funds to the recipient responsive to receiving the indication.
    Type: Grant
    Filed: November 25, 2014
    Date of Patent: March 29, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Ashish Bhoopen Kurani
  • Patent number: 11288748
    Abstract: A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method for providing customized financial advice. The system may receive transaction data for a transaction associated with a customer and satisfaction data associated with the transaction. Based on the received transaction data and satisfaction data, the system may update a financial state of the customer and a financial policy for determining one or more actions to take in order to maximize a cumulative reward associated with the customer. The system may determine and output a recommended action based on the updated financial policy and customer financial state.
    Type: Grant
    Filed: February 17, 2020
    Date of Patent: March 29, 2022
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Rashan Jibowu, Brian Farris, Neeraj Gaur
  • Patent number: 11288647
    Abstract: Virtual mobile rewards, gift cards, and/or physical world retailers' loyalty and reward programs are aggregated into a common account accessible and transactional from a radio device. Subscribers gain access to discounted codes, coupons, rebates, gift cards, and/or limited time offers, on their radio device for food, travel, lifestyle, electronics, and entertainment products that fit their lifestyle spending habits, enabling users to edit participating retailers, manage separate account balances, and present preferred discounted offers at retailers and apply discount towards purchase of goods.
    Type: Grant
    Filed: January 27, 2020
    Date of Patent: March 29, 2022
    Inventor: Michael Craft
  • Patent number: 11287966
    Abstract: An information graphic displayable via an electronic user interface to integrate information from accounts held at a financial institution. In one embodiment, the information graphic includes a first graphic element to display first information associated with at least one first account and a second graphic element to display second information associated with at least one second account. A dimension of the first graphic element is representative of the first information and a dimension of the second graphic element is representative of the second information. A first portion of the second graphic element is selectable to alternately virtually hide and display a second portion of the second graphic element.
    Type: Grant
    Filed: January 15, 2021
    Date of Patent: March 29, 2022
    Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
    Inventors: Bryan L. Mackrell, Michael Scott Ley, Christine Johns, David Wisely Vondle, Chui-Ling Michelle Moy, Jennifer Marie Levin, Marieke Smets
  • Patent number: 11288740
    Abstract: Methods and systems are provided for securing distributed shares of an electronic wallet. An example method includes provisioning a plurality of devices each hosting an e-wallet share with enhanced privacy identification (EPID) private keys for the e-wallet share. A signature is posted for the e-wallet share to a blockchain. A determination is made as to whether the e-wallet share is compromised, and, if so, posting a revocation list comprising the signature for the e-wallet share to a blockchain.
    Type: Grant
    Filed: December 29, 2017
    Date of Patent: March 29, 2022
    Assignee: Intel Corporation
    Inventors: Michael Nolan, Davide Carboni, Ned M. Smith
  • Patent number: 11282063
    Abstract: Techniques for providing a method of barcode-based mobile payment are described. One example method includes data indicative of a barcode is received from a barcode device in response to the barcode device scanning the barcode on a first client device requesting a service. Authentication information is determined from the received data indicative of the barcode that indicates whether the first client device corresponds to an account; in response to determining that the first client device corresponds to the account from the authentication information. An account limit is determined for the first client device from the account. A service requested amount is determined in the authentication information from the first client device and does not exceed the account limit. In response to determining the service requested amount does not exceed the account limit, data indicative of an acceptance of the requested service is transmitted to the first client device.
    Type: Grant
    Filed: June 27, 2018
    Date of Patent: March 22, 2022
    Assignee: Advanced New Technologies Co., Ltd.
    Inventors: Bin Shan, Renxiao Wu
  • Patent number: 11282068
    Abstract: Systems and methods for facilitating e-commerce transactions by providing systems and methods for executing transactions in both an open loop and closed loop networks.
    Type: Grant
    Filed: October 14, 2015
    Date of Patent: March 22, 2022
    Assignee: Flexia Payments LLC
    Inventors: Scott Walker, Craig Libson, Andrew DeMaio
  • Patent number: 11282135
    Abstract: A method for securely launching a temporary financial system nested within a permanent financial system, for a locale impacted by a disaster event is provided. The method may include receiving profile-data associated with a new-quasi-user. The method may include storing the profile-data in an account profile. The method may further include analyzing the profile-data. The method may further include authenticating the new-quasi-user based on the analyzing of the profile-data. The method may further include enabling the new-quasi-user, access to a subset of services from the permanent financial system. The enabling may include simulating the temporary financial system to mimic the appearance of the permanent financial system. The method may further include filtering and separating, via a secure information filter, the temporary system from the permanent system thereby limiting the new-quasi-user, access to the permanent financial system.
    Type: Grant
    Filed: November 15, 2018
    Date of Patent: March 22, 2022
    Assignee: Bank of America Corporation
    Inventors: Matthew E. Carroll, Manu Kurian
  • Patent number: 11281932
    Abstract: A data extraction system for extracting a unique identifier from a plurality of different types of tokens, the data extraction system comprising a central processing system arranged to receive a data string representing an image of the token, the central processing system comprises: a data store of predetermined data records relating to the plurality of different types of token, each predetermined data record including a plurality of discrete features derived from an image of each type of token; a token type recognition module for identifying a type of token which the representation relates to, the recognition module comprising: a discrete feature identifier for iteratively identifying discrete features present in the representation; and a matching engine for iteratively comparing each of the identified features with each of the discrete features of the plurality of different types of token stored in the data store and registering each matched feature; wherein the recognition module is arranged to compare a c
    Type: Grant
    Filed: May 13, 2020
    Date of Patent: March 22, 2022
    Assignee: Loyalty Angels Ltd
    Inventors: Lee David Clarke, Gregory Peter Gormley
  • Patent number: 11283781
    Abstract: A method is disclosed for conducting a transaction between a computing device and an access device. A server computer may be utilized to facilitate data exchanges between the computing device and the access device. These data exchanges may utilize high-frequency sound signals. The server computer may encrypt at least some portion of data that is then transmitted to the access device via the computing device. The server computer may verify data received from the access device prior to generating and transmitting an authorization request message for the transaction.
    Type: Grant
    Filed: April 7, 2020
    Date of Patent: March 22, 2022
    Assignee: Visa International Service Association
    Inventor: Yuexi Chen
  • Patent number: 11282075
    Abstract: A method for routing electronic payment transactions may include receiving transaction-related information from a merchant, extracting transaction routing criteria from the received transaction-related information, identifying one or more eligible payment networks and one or more eligible acquirer processors based on extracted transaction routing criteria, predicting a likelihood of authorization acceptance for each combination of identified acquirer processor and identified network, identifying one or more breakeven transaction amounts for each combination of identified eligible acquirer processor and identified eligible payment network, and routing signature debit transactions from the merchant to a least cost combination of acquirer processor and PIN-less debit network selected from the eligible payment networks based on identification of a desired breakeven transaction amount for the PIN-less debit network.
    Type: Grant
    Filed: December 12, 2017
    Date of Patent: March 22, 2022
    Assignee: Worldpay, LLC
    Inventors: Dennis A. Kettler, Ryan Clapp