Including Funds Transfer Or Credit Transaction Patents (Class 705/39)
  • Patent number: 9898879
    Abstract: The invention utilize an inventive device being a small, portable, handheld self-contained operating unit for reading your private information (as smart card) and all your private biometric data (as from fingerprints, voice, eye-iris, face shape readers) to help you mixed together with its unique readable production series number to secure a special coded startup of all your private equipment and help you to connect safely to your bank account, your data storage on the clouds, your government files etc. The devise may also provide you with this unique safe series number mixed cryptic verification of your own identity to open your own home, your office, your car, your equipment, your bike, your boat, your MC and all your other digital locks.
    Type: Grant
    Filed: July 30, 2013
    Date of Patent: February 20, 2018
    Assignee: EKA A/S
    Inventor: Harald Marthinussen
  • Patent number: 9892409
    Abstract: A method of facilitating the exchange of data between a user having a computing device, and a remote entity, where a first connection has been established between the user and the remote entity, and where the user has associated data exchange information with an application on the computing device, the data exchange information defining properties of the data to be exchanged between the user and the remote entity.
    Type: Grant
    Filed: June 20, 2017
    Date of Patent: February 13, 2018
    Assignee: Eckoh UK Limited
    Inventors: Cameron Peter Sutherland Ross, James Heath, Thomas Edward Briden, Ashley Burton, Paul Downs
  • Patent number: 9892400
    Abstract: Technology is disclosed for generating and sending invitations to recipients who have not enrolled in or associated with a convenient money transfer service that does not require any account login and/or creation activities. The disclosed technology enables a sender to transfer a specified amount of currency to one or more recipients through a payment application. The system verifies, based on the sender's existing contact information, whether the recipients have existing accounts associated with the payment application. The system then generates an invitation list. The system relies on the invitation list to send invitations to those recipients who haven't been associated with the payment application to download the payment application, enroll in payment service associated with the payment application, and/or associate their payment information with the payment application.
    Type: Grant
    Filed: February 10, 2015
    Date of Patent: February 13, 2018
    Assignee: Square, Inc.
    Inventor: Brian Grassadonia
  • Patent number: 9892410
    Abstract: Pre-paid negotiable instruments are issued in response to a request at a host system from the holder of a stored-value account. The request is made through an IVR system or a web interface, and the host allocates funds from the account and provides a balance remaining after the negotiable instrument is issued. The instrument is printed with a transaction number or other identifier at an issuing system, and is then sent to the account holder. The account holder activates the instrument after receipt. The payee receives the instrument and authorizes the instrument by providing the transaction number or identifier to the host. When authorized, payment is guaranteed to the payee from the issuer.
    Type: Grant
    Filed: December 10, 2015
    Date of Patent: February 13, 2018
    Assignee: First Data Corporation
    Inventor: Felix Weitzman
  • Patent number: 9892455
    Abstract: Methods for enriching the searchability of a transaction are provided. Methods may include receiving a raw transactional data feed at a preference rules engine. The raw transactional data feed may be associated with a transaction. Methods may include transmitting a request, from the preference rules engine to a data warehouse, for enriched transaction detail associated with a transaction identification number. The transaction identification number may be associated with the transaction. The request may include the transaction identification number. Methods may include receiving, at the preference rules engine, the transaction identification number with enriched transaction detail from the data warehouse. Methods may include appending, at the preference rules engine, the enriched transaction detail to the raw transactional data feed, thereby creating a revised transaction. Methods may include transmitting the revised transaction to a database.
    Type: Grant
    Filed: November 4, 2014
    Date of Patent: February 13, 2018
    Assignee: Bank of America Corporation
    Inventors: Nathaniel B. Marocco, John E. Scully, Catherine A. Worth, Brian T. Pack
  • Patent number: 9882918
    Abstract: A method, system and computer-usable medium are disclosed for generating a cyber behavior profile, comprising: monitoring user interactions between a user and an information handling system; converting the user interactions and the information about the user into electronic information representing the user interactions; generating a unique cyber behavior profile based upon the electronic information representing the user interactions and the information about the user; and, storing information relating to the unique cyber behavior profile in a behavior blockchain.
    Type: Grant
    Filed: September 29, 2017
    Date of Patent: January 30, 2018
    Assignee: Forcepoint, LLC
    Inventors: Richard Anthony Ford, Brandon L. Swafford, Christopher Brian Shirey, Matthew P. Moynahan, Richard Heath Thompson
  • Patent number: 9881297
    Abstract: Systems, methods, processes, computer program code and means for conducting a payment transaction are provided which include activating a payment application of a mobile device, generating, using the payment application, an optical image representing payment account information associated with the payment application, said payment account information including at least one of a payment account number, an expiry date of the payment account number, and a dynamic verification code generated by the payment application; and presenting the optical image to a merchant transaction terminal for scanning to conduct the payment transaction.
    Type: Grant
    Filed: June 1, 2009
    Date of Patent: January 30, 2018
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Arthur D. Kranzley, John R. Wankmueller
  • Patent number: 9875510
    Abstract: The disclosure describes a peer-to-peer consensus system and method for achieving consensus in tracking transferrable digital objects. The system achieves consensus on a shared ledger between a plurality of peers and prevents double spending in light of network latency, data corruption and intentional manipulation of the system. Consensus is achieved and double spending is prevented via the use of the most committed stake metric to choose a single consensus transaction record. A trustable record is also facilitated by allowing stakeholders to elect a set of trusted non-colluding parties to cooperatively add transactions to the consensus record. The voting mechanism is a real-time auditable stake weighted approval voting mechanism. This voting mechanism has far reaching applications such as vote directed capital and providing a trusted source for data input into a digital consensus system. The system further enables digital assets that track the value of conventional assets with low counterparty risk.
    Type: Grant
    Filed: May 7, 2015
    Date of Patent: January 23, 2018
    Inventor: Lance Kasper
  • Patent number: 9864672
    Abstract: Visualizing execution of an application in a trace coverage graph includes receiving module trace data gathered during execution of an executable module. The module trace data includes data representing sequences of execution between individual executable components. A trace coverage graph is generated and displayed from the module trace data. The trace coverage graph includes graph nodes that each correspond to a different executable component. The trace coverage graph also includes graph edges that each visually connects two of the graph nodes. Each graph edge visually indicates an amount of trace data present for the sequence of execution between the graph nodes that are connected by the graph edge. Thicker graph edges represent the presence of a larger amount of trace data, and thinner graph edges represent the presence of a lesser amount of trace data.
    Type: Grant
    Filed: March 14, 2016
    Date of Patent: January 9, 2018
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Tetsuo Seto, Alexander G. Gounares, Russell S. Krajec
  • Patent number: 9852407
    Abstract: Systems and methods for routing debit transactions. In one embodiment, a method for routing debit transactions can be provided. The method can include obtaining, by a routing determination system comprising one or more computers, information associated with a proposed debit transaction. The method can also include identifying, by the routing determination system based at least in part upon the obtained information, one or more merchant parameters associated with a merchant on whose behalf the proposed debit transaction will be submitted to a transaction processor. Further, the method can include determining, by the routing determination system based at least in part upon the one or more merchant parameters, a debit transaction network for routing the proposed debit transaction to the transaction processor, wherein the debit transaction network is included in a plurality of available debit transaction networks.
    Type: Grant
    Filed: August 31, 2012
    Date of Patent: December 26, 2017
    Assignee: First Data Corporation
    Inventors: Bradley T. Masterson, George F. Gogol, Donna Collela, David M. Hulbert, Thomas Howe, Robert J. Cole
  • Patent number: 9854445
    Abstract: Protecting a mobile device is provided. A first set of IoT devices in a first domain at a first geographic location is established by communicating with respective members of the first set of IoT devices. Respective ones of the first set of IoT devices are identified within the first domain as registered to a user corresponding to a mobile device based on a list of registered devices generating a registered subset of IoT devices that includes the mobile device. It is determined that the mobile device is in an unsecure environment based on establishing proximity to unknown IoT devices that are not members of the registered subset of IoT devices. A self-protection mode of operation is launched on the mobile device in response to determining that the mobile device is in the unsecure environment based on establishing proximity to the unknown IoT devices.
    Type: Grant
    Filed: January 24, 2017
    Date of Patent: December 26, 2017
    Assignee: International Business Machines Corporation
    Inventors: Zhongshu Gu, Heqing Huang, Dimitrios Pendarakis
  • Patent number: 9852309
    Abstract: A system and method may obtain a connection profile, the connection profile including at least one rule related to at least one PII data element; associate the connection profile with a network connection; receive a data unit transmitted over the network connection, the data unit including at least a portion of the PII data element; and, based on the rule, perform at least one of: blocking transmission of the data unit, modifying the data unit, forwarding at least a portion of the data unit to a selected destination, storing the data unit, storing metadata related to the data unit, and reporting an event related to the data unit. A system and method may associate the connection profile with a set of connection. A system and method may automatically modify a set of connection profiles based on an event.
    Type: Grant
    Filed: January 5, 2016
    Date of Patent: December 26, 2017
    Assignee: PRIFENDER LTD.
    Inventor: Nimrod Luria
  • Patent number: 9852391
    Abstract: Technology is disclosed for enabling an efficient logistics network based on mobile device location data. The technology does not necessarily need the street house numbers as delivery or pickup addresses, which are not available in some areas of the world. The location data (e.g., GPS coordinates) of the customers' mobile devices are used to suggest the logistics delivery and pickup locations. Drivers of the logistics network are equipped with logistics driver devices connected to a logistics data server for retrieving the location data. Guided by the location data, the drivers reach the target locations for the delivery or pickup tasks.
    Type: Grant
    Filed: February 23, 2015
    Date of Patent: December 26, 2017
    Assignee: MENA360 DWC-LLC
    Inventor: Idriss O. Al Rifai
  • Patent number: 9836786
    Abstract: Merchants may desire to save for a variety of reasons, such as to purchase a new piece of equipment for use at the merchant, to pay vendors for services provided to the merchant, to set up a “rainy-day fund”, or the like. As such, described herein are techniques and arrangements for helping a merchant reach its savings goals by automatically saving, for the merchant, a portion of each transaction made by the merchant at a point-of-sale (POS) device of the merchant.
    Type: Grant
    Filed: November 13, 2014
    Date of Patent: December 5, 2017
    Assignee: Square, Inc.
    Inventor: Ginger Kay Baker
  • Patent number: 9836259
    Abstract: Output devices or systems, such as televisions, speakers, projectors, or output controllers, are herein disclosed and enabled for receiving digital content from a digital content service operated, at least partly, over the Internet. The disclosed output device includes wireless communication circuitry and an interface. To set up the output device for receiving and playing digital content, the output device first receives, via the interface, security information, then establishes a wireless local area network connection employing the received security information. Subsequent to having established the wireless local area network connection and using the wireless communication circuitry, the output device connects to a server over a network for downloading and installing software applications or software components for upgrading or modifying the capabilities of the output device.
    Type: Grant
    Filed: November 22, 2016
    Date of Patent: December 5, 2017
    Assignee: Flexiworld Technologies, Inc.
    Inventors: William Ho Chang, Christina Ying Liu
  • Patent number: 9826103
    Abstract: Apparatus and methods that offload charging from an Online Charging System (OCS). The OCS includes an offload controller that receives a online charging request from a policy enforcement element for a service, determines whether charging for the service is eligible to be offloaded from the OCS to an Offline Charging System (OFCS), and pushes a charging rule to the policy enforcement element to switch a charging mode for the service to offline charging. An online charging function within the OCS receives another online charging request for the service from the OFCS that reports a charging event detected by the policy enforcement element, and debits an account of an end user based on the online charging request from the OFCS.
    Type: Grant
    Filed: October 31, 2014
    Date of Patent: November 21, 2017
    Assignee: Alcatel-Lucent USA Inc.
    Inventors: Ranjan Sharma, Yigang Cai
  • Patent number: 9825896
    Abstract: A message post-processing apparatus provides an optional instrumented viewport to a message recipient to store message dispositions such as archive, reply-to, forward, open, move, delete, and each elapsed time-to-disposal (TTD) from display. The instrumented viewport also displays a proposed disposition and a proposed TTD, which may be overridden within the instrumented viewport. A timer is initialized to TDD when each message is substantially within the viewport. Absent user intervention, a disposer circuit performs the proposed operation on the message upon expiration of the TTD. The proposed TTD and disposition is derived from analyzing the history and quality of similar messages among recipient's dispositions. When a recipient changes the treatment of a message, the apparatus stores the new disposition and TTD for future reference. A synthesizer circuit transforms message body and headers and proposed TTD and disposition into a message précis.
    Type: Grant
    Filed: March 3, 2015
    Date of Patent: November 21, 2017
    Assignee: Notion AI, Inc.
    Inventors: Lindsay Snider, Ian Berry, Guy Suter
  • Patent number: 9818102
    Abstract: Secure exchange of value and associated information in financial transactions involving beneficial offers available for customers is provided. Various offers, including discounts, prepaid amounts, and the like may be purchased by customers for use with various merchants. A third party issuer obtains information from the customer in selling the offers and issues some kind of indicium of value having a representation of the value of the offer associated therein. Record of the indicia are maintained and either transmitted to the merchant or kept by the issuer or associated financial institutions. When the customer redeems the offer by presenting the indicium to the merchant, the merchant may either authenticate the indicium using the records received by the issuer, or establish communication with the issuer for the issuer to authenticate the indicium, either by itself or in cooperation with one or more related financial institutions.
    Type: Grant
    Filed: February 11, 2011
    Date of Patent: November 14, 2017
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Jason J. Hogg, Winter P. Ng
  • Patent number: 9819200
    Abstract: Networked electric vehicle charging stations for charging electric vehicles are coupled with an electric vehicle charging station network server that performs authorization for charging session requests while the communication connection between the charging stations and the server are operating correctly. When the communication connection is not operating correctly, the networked electric vehicle charging stations enter into a local authorization mode to perform a local authorization process for incoming charging session requests.
    Type: Grant
    Filed: January 8, 2013
    Date of Patent: November 14, 2017
    Assignee: CHARGEPOINT, INC.
    Inventors: James Solomon, Milton Tormey, Praveen Mandal, Richard Lowenthal, Harjinder Bhade, David Baxter
  • Patent number: 9805348
    Abstract: A method and system for processing a financial transaction initiated by a cardholder with a merchant. The cardholder initiates the transaction using a cardholder input device and transmits an authorization request message including transaction data received by the cardholder input device from a point of sale (POS) device associated with the merchant. The authorization request message is received by a computer system. The transaction data is validated, and an authorization response message is transmitted after validation. The cardholder input device may forward the authorization response message to the POS device for completing the transaction.
    Type: Grant
    Filed: September 22, 2010
    Date of Patent: October 31, 2017
    Assignee: Mastercard International Incorporated
    Inventor: James Sinton
  • Patent number: 9807582
    Abstract: Structures and protocols are presented for signaling a status or decision concerning a wireless service or device within a region to a communication device (smartphone or wearable device, e.g.) or other wireless communication participant (motor vehicle having a wireless communication capability, e.g.).
    Type: Grant
    Filed: July 30, 2013
    Date of Patent: October 31, 2017
    Assignee: Elwha LLC
    Inventors: Roderick A. Hyde, Royce A. Levien, Richard T. Lord, Robert W. Lord, Mark A. Malamud, Clarence T. Tegreene
  • Patent number: 9801038
    Abstract: A method for facilitating a safety check in emergency situations includes: storing a plurality of account profiles, each including a primary account number, account details, and sets of communication data; receiving a transaction message including a specific primary account number and an indication that an associated individual is safe; identifying a specific account profile that includes the specific primary account number; and transmitting a safety notification including the account details stored in the specific account profile the indication of the associated individual's safety for at least one of the sets of communication data stored in the specific account profile.
    Type: Grant
    Filed: November 18, 2016
    Date of Patent: October 24, 2017
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Javier Krysztal
  • Patent number: 9799029
    Abstract: The present invention is generally directed to securely receiving data input at a computing device without storing the data locally. The invention allows an application, such as a mobile app, to receive payment information (e.g. credit card information) directly from a user without requiring the application to comply with the PA DSS or another standard. The application can employ any type of user interface for receiving user input as well as one or more overlaid input fields that receive sensitive payment information. The overlaid input fields can be part of a web page or other interface that can securely submit data to a remote computer system (e.g. a server) where it can be stored, processed, or transmitted in accordance with the PCI DSS. In this way, the sensitive payment information (or another type of information) is not stored, processed, or transmitted by the application on the local device.
    Type: Grant
    Filed: December 31, 2012
    Date of Patent: October 24, 2017
    Assignee: Zukunftware, LLC
    Inventor: Volker Neuwirth
  • Patent number: 9799012
    Abstract: An electronic receipt system may include a point-of-sale (POS) terminal having a near field communication (NFC) device for communicating with a mobile wireless communications device during a transaction for purchasing at least one item, and a server. The server may be for receiving a user identifier transmitted from the mobile communication device via the NFC device, verifying an enrollment status of the user identifier, based upon results of the verifying, generating an electronic receipt associated with the transaction, and generating a social media network link feature in the electronic receipt and associated with the item, the social media network link feature for sharing the purchase of the item on a corresponding social media network.
    Type: Grant
    Filed: August 5, 2014
    Date of Patent: October 24, 2017
    Assignee: FLEXRECEIPTS INC.
    Inventors: Jay Patel, Tomas Diaz, Kiran Kshatriya
  • Patent number: 9799015
    Abstract: A payment reminder may be received by a payment reminder application executed by a computing device. The payment reminder may request payment of a vehicle loan associated with a registered combination of a vehicle identification number and an occupant identifier associated with the vehicle loan. The payment reminder application may verify appropriate vehicle occupants are available to receive the payment reminder, and may deliver the received payment reminder to the appropriate vehicle occupants at an appropriate time for occupant safety and privacy. The payment reminder application may also provide other types of reminders or messages targeted to the vehicle occupants.
    Type: Grant
    Filed: March 12, 2013
    Date of Patent: October 24, 2017
    Assignee: Ford Global Technologies, LLC
    Inventors: John Matthew Ginder, Yimin Liu, Oleg Yurievitch Gusikhin, Perry Robinson MacNeille, Paul Duncan McCarthy
  • Patent number: 9792592
    Abstract: The invention concerns a portable electronic transfer device using a near-field wireless communication module and a method of using it. The device includes means for entering an amount and an acceptance command so that a debtor can enter their personal identification number on their portable device and not on that of a third party. If the acceptance command is authenticated, a secure message containing the amount is sent via the near-field. wireless communication module to a creditor. The creditor can then add their references to the message and send it to effect the transaction. Alternatively, the creditor sends their references to the debtor via the near-field wireless communication module and the debtor can formulate a transaction request including the amount and the references of the creditor.
    Type: Grant
    Filed: October 22, 2008
    Date of Patent: October 17, 2017
    Assignee: OBERTHUR TECHNOLOGIES
    Inventors: Pierrick Delolme, Marc Bertin
  • Patent number: 9785938
    Abstract: Included are systems and methods for tokenizing sensitive data. Some of the systems and/or methods are configured to receive sensitive data from a vendor, determine a token key for the vendor, and utilize a proprietary algorithm, based on the token key to generate a vendor-specific token that is associated with the sensitive data. Some systems and/or methods include creating a token identifier that comprises data related to the token key sending the vendor-specific token and the token identifier to the vendor.
    Type: Grant
    Filed: December 8, 2014
    Date of Patent: October 10, 2017
    Assignee: Vantiv, LLC
    Inventors: Bryan T. Bailey, John Romer, Chris Doyle, Jeremy Gifford, Kevin Zibart
  • Patent number: 9786018
    Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, contact lists, stored database images, images over the Internet, and the like, and associates the activity information and images with the activities. The financial and social management system may determine images for other users associated with an activity of a first user by identifying tag users in a social networking account of the first user or contacts in a social networking account of the first user that participated in activities at the same time or locations as the activities of the first user.
    Type: Grant
    Filed: September 20, 2013
    Date of Patent: October 10, 2017
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Elizabeth S. Votaw, Laura Corinne Bondesen, Matthew A. Calman, Katherine Dintenfass, Candice Michelle Jones, Charles Karim Aweida, Parker Holt Bossier, Rebecca A. Chen, Nandhita Kumar, Min Zhao
  • Patent number: 9785926
    Abstract: Systems and methods are disclosed for selectively increasing and decreasing the balances of gaming accounts and stored value accounts. Each of the gaming account and the stored value account are associated with a player. Instructions for balance transfers can be provided by the player to a remote computing device.
    Type: Grant
    Filed: September 20, 2016
    Date of Patent: October 10, 2017
    Assignee: Sightline Interactive LLC
    Inventors: Kirk E. Sanford, Thomas M. Sears, Omer Sattar
  • Patent number: 9773038
    Abstract: An apparatus is provided with first information on software and character strings for determining a keyword related to second information on software that a user wants to use. The apparatus generates, in accordance with a level of the user who uses software obtained from a first external device coupled to a communication network, based on the first information and third information that is related to software and obtained from a second external device connected to the communication network, fourth information indicating software recommendable to the user. The apparatus receives the second information from the user, and determines a keyword related to the fourth information by comparing the fourth information with the character strings provided for the apparatus. The apparatus obtains software to be recommended to the user by comparing the fourth information with the determined keyword, and starts up the obtained software.
    Type: Grant
    Filed: July 15, 2013
    Date of Patent: September 26, 2017
    Assignee: FUJITSU LIMITED
    Inventors: Haruyo Iguchi, Shigeru Hidesawa
  • Patent number: 9767454
    Abstract: A transaction and payment and processing system securely conducts transactions over the public telephone network. The transactions may be between and among entities of any type such as individuals, merchants, utilities, banks, etc. Nothing more than access to a telephone is required after initial registration of a user.
    Type: Grant
    Filed: November 29, 2012
    Date of Patent: September 19, 2017
    Inventor: Hossein Mohsenzadeh
  • Patent number: 9769153
    Abstract: A customer can demonstrate control over an element, such as a domain, by receiving a certificate from a certificate authority. A customer can submit a request and receive a request token. The customer can generate a cryptographic hash of the request using the token, which a service provider can compare against an expected hash similarly generated. If the hashes match, an action can be taken such as a certificate issued. A customer can request one or more request tokens up front, whereby the tokens can be used to submit hashes with requests at the appropriate time. In some embodiments a customer can submit a request specifying one or more domains, and a service provider can provide a list of confirmatory email addresses from which the customer can select. The service provider can then send a message to that address that include a link for requesting a certificate.
    Type: Grant
    Filed: August 7, 2015
    Date of Patent: September 19, 2017
    Assignee: AMAZON TECHNOLOGIES, INC.
    Inventor: Peter Zachary Bowen
  • Patent number: 9767455
    Abstract: A transaction and payment and processing system securely conducts transactions over the public telephone network. The transactions may be between and among entities of any type such as individuals, merchants, utilities, banks, etc. Nothing more than access to a telephone is required after initial registration of a user.
    Type: Grant
    Filed: November 29, 2012
    Date of Patent: September 19, 2017
    Inventor: Hossein Mohsenzadeh
  • Patent number: 9767458
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for transferring money using email. One of the methods includes receiving, at a user device, user input of a request to transfer a payment amount from a recipient account with a payment service system to a sender account of a sender with the payment service system. A draft email message is generated, the message having content identifying the requested payment amount, the draft email message including a confirmation link to a network resource associated with the payment service system, wherein upon receiving an indication that the recipient selected the confirmation link, the payment service system identifies a sender account of the sender and a recipient account of the recipient and initiates a transfer of the requested payment amount from the recipient account to the sender account.
    Type: Grant
    Filed: November 20, 2015
    Date of Patent: September 19, 2017
    Assignee: Square, Inc.
    Inventors: Jack Dorsey, Jesse Wilson, Brian Grassadonia
  • Patent number: 9767456
    Abstract: Provided is a virtual money balance bypass inquiry method, comprising: receiving a purchase demand submitted by a client, wherein the purchase demand contains the sum to be paid; receiving a balance inquiry request which is transmitted by the client in asynchronous mode, wherein the balance inquiry request contains the sum to be paid; inquiring the balance of a user account according to the balance inquiry request, and obtaining a result flag by comparing the balance of the user account with the sum to be paid; returning the result flag to the client in asynchronous mode.
    Type: Grant
    Filed: November 28, 2012
    Date of Patent: September 19, 2017
    Assignee: Tencent Technology (Shenzen) Company Limited
    Inventors: Jianwei Deng, Ke Fan, Jun Zhou, Ding Zhang
  • Patent number: 9767450
    Abstract: Provided is an antenna module package including a substrate, a wireless card payment antenna structure mounted on the substrate and including a first antenna chip and wireless card payment matching elements electrically connected to the first antenna chip, a near field communication (NFC) antenna structure mounted on the substrate, sharing the first antenna chip, and including an extended NFC antenna loop and NFC matching elements electrically connected to the first antenna chip, and a wireless charging antenna structure mounted on the substrate and including a second antenna chip, and an extended wireless charging antenna loop and wireless charging matching elements electrically connected to the second antenna chip.
    Type: Grant
    Filed: January 28, 2016
    Date of Patent: September 19, 2017
    Assignee: ITM SEMICONDUCTOR CO., LTD.
    Inventors: Hyeok Hwi Na, Ho Seok Hwang, Young Seok Kim, Seong Beom Park, Sang Hoon Ahn, Sun Ho Kim
  • Patent number: 9760905
    Abstract: In one aspect, a computing apparatus is configured to: capture first images of customers who have watched a digital sign, using a digital camera attached to the digital sign positioned in vicinity of a retail location; identify characteristics of the customers based on the first images; identify, using the characteristics, a subset of customers who have made payment transactions at the retail location through a transaction handler; determine an aggregated spending profile based on transactions of the subset of customers recorded by the transaction handler; and arrange content on the digital sign based on the aggregated spending profile. The computing apparatus may be further configured to capture second images of the customers who have made payment transactions at the retail location through the transaction handler, using a digital camera attached to a point of sale (POS) station at the retail location, and to correlate the first and second images to identify the subset.
    Type: Grant
    Filed: August 1, 2011
    Date of Patent: September 12, 2017
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Jeanette Yoder, Charles Raymond Byce, Michelle Eng Winters
  • Patent number: 9762337
    Abstract: According to one embodiment, a communication apparatus includes a Bluetooth (trademark) controller which is wirelessly connected to a mobile information terminal, and a CPU configured to acquire a radio-wave intensity of wireless connection to the wirelessly connected mobile information terminal, to selectively read an application program from a program memory, based on the acquired radio-wave intensity, and to execute the application program.
    Type: Grant
    Filed: June 21, 2016
    Date of Patent: September 12, 2017
    Assignee: CASIO COMPUTER CO., LTD.
    Inventors: Gou Kawakami, Yoichi Murayama, Toshihiko Yoshida, Kazuma Kawahara, Asami Aso, Takashi Kawashimo
  • Patent number: 9762747
    Abstract: Apparatus and method are disclosed for detecting a risk in a refill transaction. The method may include receiving, from a user, a request for refilling an account, the request including account information associated with the account. The method may also include acquiring a contact information set corresponding to the user. The method may further include determining whether the contact information set includes the account information by searching in the contact information set for information matching the account information. In addition, the method may include providing a risk alert to the user if it is determined that the contact information set does not include the account information.
    Type: Grant
    Filed: July 29, 2015
    Date of Patent: September 12, 2017
    Assignee: ALIBABA GROUP HOLDING LIMITED
    Inventors: Lei Wang, Zhiquan Bao
  • Patent number: 9747644
    Abstract: Transaction data is gathered for a plurality of successful payment device transactions in a first environment. The transaction data is filtered to identify successful payment device transactions associated with payment devices for which offline authentication is not supported, to obtain a whitelist. The whitelist is made available to at least one of (1) a merchant in a second, different environment, and (2) a third party acting on behalf of such a merchant.
    Type: Grant
    Filed: March 14, 2014
    Date of Patent: August 29, 2017
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Michael J. Cowen, James Noe, Mark Lulic
  • Patent number: 9747586
    Abstract: Disclosed herein are system and methods for issuance and circulation of electronic currency, as well as a payment system based on use of the aforementioned electronic currency. In one exemplary aspect, the system includes a management module configured to: create and manage one or more wallets of electronic currency; manage information about a reserve substantiating the electronic currency, wherein the reserve comprises one or more tangible or intangible assets; and record electronic currency transactions in a settlement network, wherein the settlement network carries out transactions and stores data describing said transactions; and an issuance center configured to carry out centralized issuance of the electronic currency and its controlled release into circulation in the settlement network, wherein the amount of the issued electronic currency released into circulation in the settlement network is equal to or less than the amount of the reserve substantiating it.
    Type: Grant
    Filed: September 12, 2016
    Date of Patent: August 29, 2017
    Assignee: CPN GOLD B.V.
    Inventors: Vladimir Nikolayevich Frolov, Damir Nasibullovich Gaynanov, Aleksey Petrovich Romanchuk, Anatoliy Anatolievich Vatolin
  • Patent number: 9749855
    Abstract: The present invention relates to a method for conducting transactions, such as standard banking transactions, using a wireless device, such as a cellular telephone, personal digital assistant, and other web-enabled wireless devices utilizing software downloaded to the wireless device. The software provides a user with interface screens on the display of the wireless device for facilitating information requests to a service provider having access to at least one account of the user.
    Type: Grant
    Filed: March 26, 2014
    Date of Patent: August 29, 2017
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventors: Peter Tompkins, Jennifer Vos, Arun Ahuja
  • Patent number: 9747596
    Abstract: Briefly, in accordance with one embodiment, a mobile subscriber is registered for authentication. Registering the mobile subscriber, in an embodiment, includes querying the mobile service provider of the mobile subscriber for an international mobile subscriber identifier (IMSI) of the mobile subscriber at the time of registration and creating an authentication database in which a database entry includes at least: a mobile telephone number for the mobile subscriber and the IMSI of the mobile subscriber.
    Type: Grant
    Filed: December 5, 2013
    Date of Patent: August 29, 2017
    Assignee: Payfone, Inc.
    Inventors: Michael Brody, Rodger Desai, Sung Kim
  • Patent number: 9741016
    Abstract: A business model data management method can include identifying a business object within a business object structure document for a business application, locating data management rules for the identified business object in a business object descriptor document, and executing the located data management rules to represent the identified business object in a database for the business application.
    Type: Grant
    Filed: September 20, 2005
    Date of Patent: August 22, 2017
    Assignee: International Business Machines Corporation
    Inventors: Zhongming Chen, Hongling Zhang
  • Patent number: 9727861
    Abstract: A multiple currency rate consolidator addresses the needs of multi-national companies that do business in different currencies and tax localities. A consolidated view of financial data may be provided in real time. The multiple currency rate consolidator allows each subsidiary within a subsidiary hierarchy to enter and manage transactional data as well as budget/forecast data in a corresponding localized functional currency. The multiple currency rate consolidator allows different consolidation levels to view localized, consolidated values of subsidiary transactions. The multiple currency rate consolidator also accommodates statutory, ad hoc and management reporting consolidation using different subsidiary configurations for the same time periods, as well as the versioning of the subsidiary hierarchy to accommodate structural changes across different time periods.
    Type: Grant
    Filed: December 2, 2013
    Date of Patent: August 8, 2017
    Assignee: NetSuite Inc.
    Inventors: Stephen Clode, Gaurav Bawa, Darren Linscott, William Ellery Bailey
  • Patent number: 9727543
    Abstract: A method of processing an interactive document is enclosed.
    Type: Grant
    Filed: August 27, 2010
    Date of Patent: August 8, 2017
    Assignee: Open Text Corporation
    Inventors: Daniel J. Kloiber, Davis L. Marksbury, Christopher J. Heinz, Robert C. Guckenberger, Ronald L. Heiney, Kenneth E. Gibbs
  • Patent number: 9727866
    Abstract: Computerized methods, systems and computer program products for determining how an identity of a consumer can be verified during a transaction involving the consumer and a merchant. Embodiments access and analyze data of an account the consumer has with an online social network to derive a challenge question response options. The social-network based challenge question and response options are presented to the consumer, and the consumer's selection of certain response options is used to confirm that the consumer is the person named on a credit card or other payment instrument or that other identification or verification information should be requested by the merchant before completing the transaction.
    Type: Grant
    Filed: October 15, 2013
    Date of Patent: August 8, 2017
    Assignee: INTUIT INC.
    Inventor: Stoyan Kenderov
  • Patent number: 9728028
    Abstract: The invention relates to an innovative device which is used to secure payments or transactions made with a smart card and to validate the identity of the smart card holder using a client/server biometric control operation, regardless of whether said payments or transactions are made directly at a point of sale or from a PC (personal computer or shared open-access computer) which is connected to the Internet or using a mobile telephone, a portable computer (also known as a laptop), a PDA (Personal Device Assistant) or any other mobile or fixed means that can connect to any telecommunication network and carry out a transaction involving the use of biometrics at the transaction generation point. The invention also relates to smart-card-holding employees of financial institutions who perform professional inter-bank transfers.
    Type: Grant
    Filed: February 21, 2006
    Date of Patent: August 8, 2017
    Inventors: Yves Chemla, Christophe Richard
  • Patent number: 9721261
    Abstract: Persistent, electronically anchored currency notes (PEAC notes) may be generated by a transaction provider and maintained in a datastore. Each PEAC note may be associated with a respective unique identifier and asset held by a custodian. The transaction provider may provide for assigning ownership of the PEAC notes to various entities and/or transferring ownership therebetween. Ownership transfers may be performed by the transaction provider while maintaining the PEAC notes in the datastore and/or maintaining the asset(s) associated therewith their respective custodian(s). A PEAC note may be tied to one or more usage conditions, which restrict transfers thereof. The usage conditions may be removed when release conditions are satisfied.
    Type: Grant
    Filed: March 12, 2012
    Date of Patent: August 1, 2017
    Assignee: CapitalWill, LLC
    Inventor: Bradley Wilkes
  • Patent number: 9722957
    Abstract: A system and method are disclosed which enable more effective email response authoring by contact center agents, for example, by automatically suggesting prototypical (entire) email responses to the human agent and interactive suggestion of next sentence candidates during the writing process. In one method, a customer inquiry is received and a latent topic prediction is generated, based on a word-based representation of the customer inquiry. A latent topic prediction is generated for an entire agent's reply to the customer inquiry as a function of the latent topic prediction generated for the customer inquiry. A further latent topic prediction is generated for a next sentence of the agent's reply as a function of a topic prediction for the next sentence which is generated with a prediction model that has been trained on annotated sentences of agent replies. Information is output to assist the agent, based on the topic predictions.
    Type: Grant
    Filed: May 4, 2015
    Date of Patent: August 1, 2017
    Assignee: CONDUENT BUSINESS SERVICES, LLC
    Inventors: Marc Dymetman, Jean-Michel Renders, Sriram Venkatapathy, Spandana Gella