Including Funds Transfer Or Credit Transaction Patents (Class 705/39)
  • Patent number: 10129263
    Abstract: A tokenization system that includes a tokenizer, a token and alias directory, and a network node. The tokenizer is configured to generate tokens. The token and alias directory is configured to store tokens. The network node is configured to receive user information for a user and to determine a membership for an institution associated with the user based on the user information. The network node is configured to send an authorization request to an authorization processor in response to determining that the membership for the institution associated with the receiver indicates an in-network institution and to receive an authorization approval in response to sending the authorization request. The network node is further configured to send a token request to the tokenizer, to receive a token in response to the token request, and to store the token in the token and alias directory.
    Type: Grant
    Filed: May 11, 2016
    Date of Patent: November 13, 2018
    Assignee: Bank of America
    Inventors: Richard H. Thomas, Joseph B. Castinado
  • Patent number: 10121130
    Abstract: A system and method in accordance with example embodiments may include third party payments with non-integrated merchants. A system and method in accordance with example embodiments may utilize a plug in or application to intercept retailer data from a third party, analyze data, and present information to a customer based on the intercepted data and the analysis.
    Type: Grant
    Filed: March 12, 2014
    Date of Patent: November 6, 2018
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: David A. Pinski, Audrey L. Utis
  • Patent number: 10115154
    Abstract: A computer-implemented method for identifying accounts with which an individual does business. The computer receives an access credential for at least one message source and analyzes a plurality of messages in the message source. From the analysis, a plurality of institutions are identified and a system account is created on the computer that is preloaded with the institutions.
    Type: Grant
    Filed: January 18, 2012
    Date of Patent: October 30, 2018
    Inventors: Martin Claude Lefebvre, Daniel Troy Doles
  • Patent number: 10115160
    Abstract: A system for dynamic currency conversion is provided. The system includes a bank identifier system determining whether currency conversion is available for a card-issuing bank of a presented card, such as by comparing a bank identifier from the card with a list or table of participating banks. An exchange rate system determines whether an exchange rate has expired, such as an exchange rate associated with the foreign currency of the card-issuing bank. The card holder is presented with an option for selecting a foreign currency transaction after it is determined that currency conversion is available for the card-issuing bank and that the exchange rate has not expired, such that the card holder does not need to see such information unless foreign currency processing is available.
    Type: Grant
    Filed: February 18, 2014
    Date of Patent: October 30, 2018
    Assignee: PAYMENTECH, LLC
    Inventors: Michael K. Nicholls, Lester S. Maragh, Joan DeTemple, Rosemary R. Thomas, Zunoraine Holmes, George E. Wilcox, Keeley M. Sapienza, Lubna Shad
  • Patent number: 10116532
    Abstract: A cloud-based operator interface system is provided that runs as a cloud service on a cloud platform. The cloud-based operator interface system collects industrial data from one or more industrial systems via respective cloud gateway devices. A set of predefined operator interface screens are stored on cloud storage associated with the operator interface system, and delivered to authorized Internet-capable client devices upon request. The industrial data received from the cloud gateways can be delivered to the client devices from the cloud platform via the operator interface screens. Additional cloud-side services can correlate and analyzes the industrial data on the cloud platform to facilitate additional reporting, alarming, and notification features.
    Type: Grant
    Filed: September 28, 2016
    Date of Patent: October 30, 2018
    Assignee: Rockwell Automation Technologies, Inc.
    Inventors: Douglas C. Lawson, Douglas J. Reichard, Joseph A. Harkulich, Rainer Hessmer, Sujeet Chand, David W. Farchmin, Michael John Pantaleano
  • Patent number: 10108714
    Abstract: The present disclosure relates generally to the field of segmenting social media users (such as users of a social media network) by means of life event detection (such as based upon social media messages and/or postings) and entity matching. In various embodiments, systems, methods and computer program products are provided.
    Type: Grant
    Filed: December 22, 2015
    Date of Patent: October 23, 2018
    Assignee: International Business Machines Corporation
    Inventors: Paulo R. Cavalin, Maira Gatti De Bayser, Joao P. Forny De Melo, Claudio S. Pinhanez
  • Patent number: 10110340
    Abstract: Novel apparatus and methods for generating and transmitting an interruption signal to a request for a substantially autonomous vehicle taxi-service based on user-supplied input are presented. The disclosure provides an efficient technique for interrupting an initial request for a substantially autonomous vehicle taxi-service and in some embodiments, further enables for the rescheduling of the request for a substantially autonomous vehicle taxi-service to a future point in time based upon user supplied input.
    Type: Grant
    Filed: June 4, 2017
    Date of Patent: October 23, 2018
    Assignee: CLEAR COMMUTE HOLDINGS
    Inventors: Ben Mandeville-Clarke, Danum Harris-Lusk
  • Patent number: 10108937
    Abstract: The present invention relates to a method of registering a membership for an electronic payment, a system for same, and an apparatus and a terminal thereof.
    Type: Grant
    Filed: September 4, 2012
    Date of Patent: October 23, 2018
    Assignee: SK PLANET CO., LTD.
    Inventors: Won Jun Lee, Dong Phil Lim, Hye Youn Chung, Jong Ho Kim, Se Hyun Kim
  • Patent number: 10101974
    Abstract: An application development platform transmits to a content provider system instructions that provide a user interface for developing an application that specifies a first multi-step communication flow between a communications device and a communications system. The platform receives from parameters of a program functionality for inclusion in the application, and selects one or more recommended program modules based on the parameters. The platform transmits instructions that provide a user interface for displaying the one or more recommended program modules. The platform receives data indicating a user selection of a particular program module. In response, the platform transmits instructions that provide a user interface for enabling user configuration of the particular program module.
    Type: Grant
    Filed: July 31, 2014
    Date of Patent: October 16, 2018
    Inventors: Herbert Ristock, Petr Makagon, Josh Mahowald, Praphul Kumar
  • Patent number: 10102557
    Abstract: The invention is incorporated into an interactive web data seller widget that enables any ecommerce site to provide access to and from large, remotely stored databases to its web visitors and for those visitors to prospect/filter within the databases, for example both via geographic and demographic criteria. Users can find, for example, appropriate geographic and demographic matches to any applicable search criteria. Additionally the invention enables the web visitor to order as a deliverable subset of the remotely stored database a detailed list of the required database subset and for the ecommerce site to sell that data subset to the visitor via a web shopping cart and checkout process. And the invention enables the web visitor to preview the selected subset of data from any database prior to placing an order for the same.
    Type: Grant
    Filed: November 18, 2010
    Date of Patent: October 16, 2018
    Inventor: Joel Brown
  • Patent number: 10102578
    Abstract: Various embodiments are generally directed to techniques for automated call cross trade imbalance execution. Techniques described herein may provide an automated crossing solution for buy-side clients that limits position information to banks and individuals prior to setting a benchmark rate for foreign exchange. In some embodiments, clients may roll forward spot trades with a chosen counterparty bank, which is then sent to a centralized, automated, bank platform. Techniques described herein may offer a multi-bank platform solution that accepts trades, validates trades, performs credit checks, and executes trades in a manner that limits knowledge of position information prior to setting a benchmark rate. Further, proposed techniques include determining a trade imbalance and automatically executing the determined trade imbalance in a manner such that market impact is minimalized.
    Type: Grant
    Filed: March 20, 2015
    Date of Patent: October 16, 2018
    Assignee: STATE STREET BANK AND TRUST COMPANY
    Inventors: Alan F. McKenzie, Mark Snyder, Harsha Bhat
  • Patent number: 10097629
    Abstract: A recommendation for a user is generated in response to a user request. The recommendation can pertain to whether a user should download and install a mobile device application and is based on a number of responses received from other mobile devices within a specified distance from the mobile device at which the recommendation was requested. Recommendations can also be requested and generated by various other devices in machine-to-machine networks. Recommendations can pertain to policy enforcement and device component performance or operation.
    Type: Grant
    Filed: October 16, 2016
    Date of Patent: October 9, 2018
    Assignee: AT&T INTELLECTUAL PROPERTY I, L.P.
    Inventors: Wei Wang, Cristina Serban
  • Patent number: 10089626
    Abstract: The disclosed embodiments include methods, systems, system terminals, and point-of-sale terminals for authenticating a user. The disclosed embodiments include, for example, a method for receiving, by one or more processors, authentication data from an authentication network, the authentication data including an authentication code identifying an authentication transaction associated with an authenticating partner system. The method may also include validating, by the one or more processors, the authentication data, the validating comprising comparing the authentication data with validation data corresponding to a prior authentication event associated with the user. The method may also include generating, by the one or more processors, validation information based on the validating, the validation information comprising a determination whether to validate the user for the authentication transaction.
    Type: Grant
    Filed: June 23, 2015
    Date of Patent: October 2, 2018
    Assignee: The Toronto-Dominion Bank
    Inventors: Prabaharan Sivashanmugam, Lauren Van Heerden, Michael D. Cummins, Orin Del Vecchio, Gunalan Nadarajah, Edward Lounsbury, Paul Mon-Wah Chan, Jonathan K. Barnett, Ashraf Metwalli, Jakub Danielak
  • Patent number: 10089486
    Abstract: A method for transaction registration is described herein. The method includes sending, for a transaction manager, a registration request for a transaction. The method also performing data accesses on a data server. The registration request is non-blocking to the data accesses. The method further includes performing a two-phase commit process for the data server if the registration request is accepted. Additionally, the method includes handling the rollback if the transaction registration is rejected.
    Type: Grant
    Filed: October 31, 2013
    Date of Patent: October 2, 2018
    Assignee: Hewlett Packard Enterprise Development LP
    Inventors: Shang-Sheng Tung, Sean L. Broeder, Ronald M. Cassou, John Stewart de Roo, Gary Stephen Smith
  • Patent number: 10086287
    Abstract: A method to leverage a gaming infrastructure to encourage actions in a non-virtual environment to achieve virtual world benefits, the method may include participant installs an application on smart phone; the participant sets up an account on Gameco servers; application interacts with Gameco servers; Gameco servers provide participant opportunities to acquire virtual world benefits by completing certain real world activities or choices; participants acts or choses; and, participant is provided a virtual reward by Gameco.
    Type: Grant
    Filed: January 28, 2016
    Date of Patent: October 2, 2018
    Inventors: Mark Krietzman, Andrew Robinson
  • Patent number: 10089676
    Abstract: A service provider system may implement an enterprise catalog service that manages software products and portfolios of software products on behalf of service provider customer organizations. A graph processing service of the enterprise catalog service may create a graph representation of the enterprise catalog service data, including principals, product listings, portfolios, and constraints (and the relationships between them) that may be used to manage access control, launch contexts, and searches within the enterprise catalog service. A primary (key-value) store may maintain an adjacency list and a secondary index of de-normalized edges. A secondary (document) store may maintain the de-normalized edges. In response to various queries directed to the graph processing service, the service may query the adjacency list or the secondary index. For example, one query may return a list of products that an end user can access, and another may return a count of products within a portfolio.
    Type: Grant
    Filed: December 18, 2014
    Date of Patent: October 2, 2018
    Assignee: Amazon Technologies, Inc.
    Inventors: Divij Gupta, Quan Binh To, Julien Jacques Ellie, Benjamin David Newman, Zachary Thomas Crowell
  • Patent number: 10083385
    Abstract: An account is managed using information read from a dual frequency transponder. Information stored on the dual frequency transponder can be read by a NFC-enabled device and by a UHF RFID reader. The information links, corresponds, or otherwise provides access to account information stored at a remote server. For example, a NFC-enabled device can read the information from the dual frequency transponder and use that information to enable instant and on-the-spot recharging of a toll account. In addition, a UHF RFID toll reader can scan information from the dual frequency transponder and use that information to debit toll charges from the correct toll account. The dual frequency transponder can be embedded in a license plate and read using a reader placed in the road. Additionally, the transponder can be configured to function at the correct frequency only when a valid vehicle registration sticker is applied to the license plate.
    Type: Grant
    Filed: April 10, 2015
    Date of Patent: September 25, 2018
    Assignee: Neology, Inc.
    Inventors: Francisco Martinez de Velasco Cortina, Joe Mullis, Manfred Rietzler, Sheshi Nyalamadugu, Rodolfo Monsalvo
  • Patent number: 10082892
    Abstract: Button functionalities for user interfaces, e.g., for use with a portable multifunction device, are disclosed. Exemplary button functionalities are described for an electronic device with a display, a rotatable and depressible input mechanism, and/or a button. Different device features may be accessed, depending on whether the rotatable and depressible input mechanism or the button is activated, and further depending on whether the activation represents a single press, a double press, or an extended press on the rotatable and depressible input mechanism or the button.
    Type: Grant
    Filed: March 6, 2015
    Date of Patent: September 25, 2018
    Assignee: Apple Inc.
    Inventors: Christopher Patrick Foss, Anton M. Davydov, Dylan Ross Edwards, Imran Chaudhri, Alan C. Dye, Jonathan P. Ive, Stephen O. Lemay, Kevin Lynch, Lawrence Y. Yang
  • Patent number: 10084738
    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: January 8, 2016
    Date of Patent: September 25, 2018
    Assignee: PAYPAL, INC.
    Inventors: Poornima Venkatakrishnan, Megan Marie O'neill
  • Patent number: 10074091
    Abstract: A dynamic personalizable automated finance management system that provides a financial management platform that enables users to easily generate a plurality of customized rules or conditions associated with one or more accounts thereby creating account plans that intelligently and passively execute the transfer of funds among accounts. The rules with a plan are able to define if, how much, when and where to transfer money to and from the accounts based on user entered criteria or triggers upon which the rules/conditions are based.
    Type: Grant
    Filed: October 8, 2015
    Date of Patent: September 11, 2018
    Assignee: Paymation, Inc.
    Inventor: Khellar Sean Crawford
  • Patent number: 10068567
    Abstract: A system, method, and computer program product are provided for automatic management of intent classification. In operation, an intent classification system identifies a conversation including a plurality of utterances for which to identify intent of a user associated with the plurality of utterances. The intent classification system identifies one or more actions performed in association with the plurality of utterances. Further, the intent classification system correlates at least one of the one or more actions to at least one of the plurality of utterances based on which of the one or more actions were performed as a result of the plurality of utterances. The intent classification system automatically determines an intent of the user based on the correlation of the at least one of the one or more actions to the at least one of the plurality of utterances. Additionally, the intent classification system stores an indication of the intent based on the at least one of the plurality of utterances.
    Type: Grant
    Filed: December 29, 2016
    Date of Patent: September 4, 2018
    Assignee: AMDOCS DEVELOPMENT LIMITED
    Inventors: Yosef Asaf Hermush, Eran Yosef Paran, Liat Taub Bahar, Sarit Chehanowitz, Tsvi Haim Lev, Shmuel Ur
  • Patent number: 10069917
    Abstract: In various example embodiments, a system and method for automated data reconciliation processing is presented. The system receives a data movement request with a first status indicator and appends a unique request code to the data movement request. The system causes presentation of the data movement request at a client device and receives a movement response from a second server via a network. The system modifies the first status indicator of the data movement request to a second status indicator to provisionally reflect the receipt of the movement response and verifies the indication of movement from a receiving entity.
    Type: Grant
    Filed: March 1, 2017
    Date of Patent: September 4, 2018
    Assignee: Xero Limited
    Inventors: Dinesh Katyal, Matthew John Vickers
  • Patent number: 10068245
    Abstract: Systems, methods, and apparatus are disclosed for providing instant rebates before a transaction is completed. This involves ingest of customer and rebate data from two or more utilities, where the data is parsed and normalized into a standard format across all of the utilities. The customer data is then stored in an accounts database, while the rebate data is further processed along with utility rebate rules to determine a set of rebate eligibilities for a variety of scenarios. The resulting rebate profiles can be stored in a rebates database and linked to corresponding customer account data in the accounts database. Third-party frontends can then request rebate eligibility based on a customer identifier and retail channel, and various services can work in tandem to query the rebated database and return a set of eligibilities with so little latency that the eligibility check appears instant from a customer's standpoint.
    Type: Grant
    Filed: October 23, 2017
    Date of Patent: September 4, 2018
    Assignee: Simple Energy, Inc.
    Inventors: Yoav Lurie, Justin Segall, Michel Jaroenvanit, John Vajda, Sean McColgan, Jarod Earl Stewart, Nicolae Radu Girleanu, Ilya A. Sukhanov, Michael Konrath
  • Patent number: 10069685
    Abstract: Embodiments are directed towards employing a configuration management system to report one or more assumptions based on whether or not prerequisites for a resource are satisfied. The configuration management system may determine at least one prerequisite that corresponds to a provided resource. The prerequisites may indicate what the resource requires in order to put the system into the target state. If the prerequisites are unsatisfied, then assumptions regarding the system may be determined and reported to a user of the system. The assumptions may include at least a state transition that upon occurrence puts the system into the target state. If the system is in a non-operational mode, such that state actions and state transitions are simulated, rather than being executed, the system may be enabled to perform other actions as if the prerequisites were satisfied and the state transition occurred, even if it is not.
    Type: Grant
    Filed: May 10, 2017
    Date of Patent: September 4, 2018
    Assignee: Chef Software Inc.
    Inventors: Daniel Stephen DeLeo, Adam Brent Jacob, Christopher James Brown, Marc Alan Paradise
  • Patent number: 10067990
    Abstract: A system, method, and computer program product are provided for identifying significant attributes of records (e.g. journeys, etc.). A plurality of records are stored, including a plurality of events with a plurality of attributes. Further, the attributes of the events are processed, utilizing machine learning. To this end, at least one of the attributes are identified as being significant, based on the processing. Such identified at least one attribute may then be displayed, etc.
    Type: Grant
    Filed: March 3, 2016
    Date of Patent: September 4, 2018
    Assignee: AMDOCS DEVELOPMENT LIMITED
    Inventors: Catherine Boothman, Peter John Cogan, Paul Andrew Ferguson, Tomasz Rutowski
  • Patent number: 10068258
    Abstract: A social networking system generates socially-relevant stories for a user based on actions taken by other users to whom the user is connected. The social networking system may receive a request for a sponsored story for a viewing user and may select information about one or more actions performed by one or more users to whom the viewing user is connected to identify one of a plurality of candidate information for a sponsored story based on one or more criteria (e.g., affinity of the viewing user for the candidates, expected value for the candidates, etc.). The social networking system may also generate the sponsored story and generate a feed comprising the sponsored story and news stories (e.g., non-sponsored stories) about one or more users of the social networking system with whom the viewing user is connected. This feed may be provided for display to the viewing user.
    Type: Grant
    Filed: April 13, 2012
    Date of Patent: September 4, 2018
    Assignee: Facebook, Inc.
    Inventors: Timothy Kendall, Matthew R. Cohler, Mark E. Zuckerberg, Yun-Fang Juan, Robert Kang-Xing Jin, Justin M. Rosenstein, Andrew G. Bosworth, Yishan Wong, Adam D'Angelo, Chamath M. Palihapitiya
  • Patent number: 10062075
    Abstract: The invention is generally directed to methods of conducting transactions using a dual function card that is transacted amongst a processor in communication with a point of sale: receiving a message including: an indicia of the card and identifiers of goods; identifying a closed loop account and amount, a schedule of eligible goods, and an open loop account and amount; determining eligible goods and a purchase amount; comparing the purchase amount to the amount in the closed loop account, and if the purchase amount is less than or equal to value in the closed loop account, authorizing the transaction. Upon a determination that the purchase amount is less than the amount in the closed loop account, determining if the value in the open loop account is greater than or equal to the deficit, and if so, deducting all value from the closed loop account and the deficit from the open loop account.
    Type: Grant
    Filed: November 4, 2013
    Date of Patent: August 28, 2018
    Assignee: e2interactive, Inc.
    Inventors: Robert Skiba, Tim Richardson, Jeff Lewis, Devin Wade
  • Patent number: 10062108
    Abstract: A computer system that executes a mobile device financial institution and/or financial regulatory compliant, for example, SWIFT and AML/CFT compliant, remittance across borders of countries by generation, at a mobile device via a mobile device service operator interface of a mobile network operator in a first country, of a remittance transaction based upon a remittance amount and a mobile device number of a remittance sending user. The remittance transaction is transmitted, via the mobile device service operator interface, to a mobile device remittance service computer. The mobile device remittance service computer transmits via a money manager interface the remittance transaction to a money manager in a second country for remittance to a remittance beneficiary.
    Type: Grant
    Filed: March 25, 2011
    Date of Patent: August 28, 2018
    Assignee: EASTNETS FZ-LLC
    Inventor: Hazem Mohamed Mulhim
  • Patent number: 10061762
    Abstract: A method, device, and a non-transitory computer-readable storage medium are provided for identifying information in an electronic message. The information from the electronic message may be identified according to a template that has been trained to classify the information included in the electronic message.
    Type: Grant
    Filed: November 2, 2016
    Date of Patent: August 28, 2018
    Assignee: Xiaomi Inc.
    Inventors: Pingze Wang, Tao Zhang, Zhijun Chen
  • Patent number: 10055714
    Abstract: Provided is a method for issuing single-use and multiple-use digital currency via a mobile and wearable device. The method may include receiving a currency issuance request from a user, prompting the user to enter a user authentication information, accessing a user account maintained by a currency issuer, generating the digital currency based on payment data of the user account, and providing the digital currency to the mobile and wearable device. The method may continue with receiving a transaction request from a merchant and matching merchant identification data provided by the user in the currency issuance request and merchant identification data provide by the merchant. If the match of the merchant identification data is determined, the method may continue with authorizing a payment transaction by transferring a payment amount from the digital currency to a merchant account associated with the merchant.
    Type: Grant
    Filed: April 13, 2017
    Date of Patent: August 21, 2018
    Assignee: WORLD AWARD ACADEMY, WORLD AWARD FOUNDATION, AMOBILEPAY, INC.
    Inventors: Andrew H B Zhou, Dylan T X Zhou, Tiger T G Zhou, Zhou Tian Xing, Mary M Z Xi
  • Patent number: 10055715
    Abstract: The present technology provides a payment service for providing financial transactions between a customer and merchant wherein the customer can pay in any currency and the merchant can be paid in any currency. Furthermore, the present technology supports payment using cryptocurrency, while improving such transactions in a way that takes advantage of benefits of such transactions while overcoming drawbacks such as delays in processing.
    Type: Grant
    Filed: September 22, 2017
    Date of Patent: August 21, 2018
    Assignee: Square, Inc.
    Inventors: Brian Grassadonia, Christopher Michael Brock, Michael Moring, Crissy Solh
  • Patent number: 10055764
    Abstract: The invention relates to an electronic short messaging and advertising method where minimal initiative is required from the consumer. Some embodiments of the invention may also be applied to an electronic sales method. The invention may also be applied for normal short messaging. The electronic short messaging method for collect calling may send transmissions to at least one subscriber terminal via the Internet and/or the telephony network. The method may include sending a first transmission to a recipient subscriber terminal for display, wherein the first transmission defines one or more active alternatives including at least one of initiating a collect call and deleting the first transmission. The method may also include calculating costs associated with at least one of the first transmission and the one or more active alternatives.
    Type: Grant
    Filed: February 29, 2016
    Date of Patent: August 21, 2018
    Assignee: Open Invention Network LLC
    Inventor: Mikko Kalervo Vaananen
  • Patent number: 10055769
    Abstract: Described is technology for automatic generation of an invoice for transactions initiated by a provider of goods and/or services with merchants, where the invoice is automatically populated with details of the transactions collected from respective point-of-sale (POS) systems of the merchants. In at least some embodiments, the invoice technology involves communication of transaction data between an application installed on a merchant POS system and a payment service system (PSS). Upon completion of a transaction initiated at the POS system, the PSS automatically allocates the transaction to a particular invoice based on an identifier included in the transaction data. The PSS then populates the invoice with item-level data of items in the transaction, and generates the populated invoice for the provider (e.g., to view and/or to send to appropriate client(s)). In some instances, the PSS provides an invoice dashboard that enables the provider to edit a generated invoice.
    Type: Grant
    Filed: April 30, 2015
    Date of Patent: August 21, 2018
    Assignee: Square, Inc.
    Inventors: Matthew Allen Todd, Mathew Wilson, Douglas Justin Shearer
  • Patent number: 10055614
    Abstract: A detection activity of a card may be sensitive to capacitance changes in adjacent and non-adjacent pads on the card. Accordingly, the detection activity may remain sensitive to faster-moving devices and/or reduced detection sampling rates. A second detection activity may follow a first detection activity, which may increase a probability of a successful communication sequence subsequent to the first detection activity. A card may, therefore, immediately transition to a low-power mode of operation after verification to reduce power consumption.
    Type: Grant
    Filed: August 12, 2011
    Date of Patent: August 21, 2018
    Assignee: DYNAMICS INC.
    Inventor: Jeffrey D. Mullen
  • Patent number: 10057225
    Abstract: Disclosed in some examples are devices, systems, and machine readable mediums for establishing peer to peer mobile wallet communications (P2PMW) over short range wireless communication networks. These P2PMW communications allow exchange of information between two wallet clients. Example communications include payments, providing identification, providing loans, and the like. The use of P2PMW communications opens up the prospect of anyone accepting payment from anybody else at any time. All that is needed is a computing device with a mobile wallet. Example short range wireless communications include Wireless LANs (WLAN) such as WIFI (e.g., communicating according to an Institute for Electrical and Electronics Engineers (IEEE) 802.11 family of standards), BLUETOOTH® or the like.
    Type: Grant
    Filed: December 29, 2016
    Date of Patent: August 21, 2018
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Thomas Hayes, Joon Maeng, Ramanathan Ramanathan
  • Patent number: 10050842
    Abstract: An example method for facilitating network control and management using semantic reasoners in a network environment is provided and includes generating a fully populated semantics model of the network from network data according to a base network ontology of the network, mapping the fully populated semantics model to a network knowledge base, feeding contents of the network knowledge base to a semantic reasoner, and controlling and managing the network using the semantic reasoner. In specific embodiments, generating the model includes receiving the network data from the network, parsing the network data, loading the parsed network data into in-memory data structures, accessing a manifest specifying binding between a network data definition format and ontology components of the base network ontology, identifying ontology components associated with the network data based on the manifest, and populating the identified ontology components with individuals and properties from the corresponding data structures.
    Type: Grant
    Filed: July 23, 2014
    Date of Patent: August 14, 2018
    Assignee: Cisco Technology, Inc.
    Inventors: Samer Salam, Eric A. Voit, Ludwig Alexander Clemm, Edward Albert Warnicke
  • Patent number: 10043160
    Abstract: An apparatus for forming an auth-process determination for a point of sale (“POS”)-purchase executed using a balance-verified automated clearing house (“ACH”) identifier is provided. The ACH identifier may include identifier information configured as a pointer to a DDA account. A receiver may be configured to receive the balance-verified ACH identifier information and purchase information. The apparatus may retrieve DDA account information using previously-entered DDA account access information. The apparatus may calculate an auth-process determination based on the DDA account information and the purchase information. The apparatus may store, in real time, an auth-process determination indicator in the memory at the POS. The auth-process determination indicator corresponding to the auth-process determination. The apparatus may also cause to display the auth-process determination indicator on a POS screen.
    Type: Grant
    Filed: January 16, 2015
    Date of Patent: August 7, 2018
    Assignee: Bank of America Corporation
    Inventor: Matthew D. Murphy
  • Patent number: 10043223
    Abstract: In an embodiment of the invention, a method for wireless power generation for managing power distribution in a wireless environment is provided. The method includes receiving a request from a device to connect to a wireless power distribution base station, authenticating the device, determining a lease period during which time power is to be delivered wirelessly to the device in response to authenticating the device, and delivering power wirelessly from the wireless power distribution base station to the device for the duration of the lease period, but subsequent to the lease period, discontinuing delivery of power wirelessly to the device.
    Type: Grant
    Filed: December 30, 2010
    Date of Patent: August 7, 2018
    Assignee: International Business Machines Corporation
    Inventors: Anthony P. Beardsmore, Oliver Fenton, Jonathan Levell
  • Patent number: 10043170
    Abstract: Systems and methods for application-based billing in a wireless subscriber billing system are disclosed. A wireless client device can generate and transmit a billing request to the billing system. The billing system generates a validation response to the billing request and transmits the validation response to the client device. The validation response can be processed by the client device to enable a service linked to the billing request.
    Type: Grant
    Filed: January 20, 2005
    Date of Patent: August 7, 2018
    Assignee: QUALCOMM Incorporated
    Inventors: Brian Minear, Julie Yu, Mitchell B. Oliver, Laurence Lundblade, Gerald C. Horel, Jaiteerth Patwari
  • Patent number: 10038796
    Abstract: Methods of pre-emptive credit control, as well as corresponding network elements and a computer program are disclosed. According to one aspect, a method is performed in a network element comprising receiving, from an online charging system, at least one pre-emptive credit control directive for a subscriber, the credit control directive applying to at least one rating group; storing the at least one pre-emptive credit control directive in the network element and applying the at least one pre-emptive credit control directive at content or service delivery start, prior to any service or content received from, or addressing, the subscriber and belonging to the at least one rating group being forwarded from the network element.
    Type: Grant
    Filed: June 3, 2014
    Date of Patent: July 31, 2018
    Assignee: Telefonaktiebolaget LM Ericsson (Publ)
    Inventors: Jiehong Yang, Anders Engström, Anders P. Larsson, David Shrader
  • Patent number: 10031964
    Abstract: A method for identifying at least one contact associated with a user and an online communication network. The method may include receiving at least one search term or a social media post entered by the user. The method may also include performing text analytics on the received search term or the social media post to determine at least one subject. The method may further include identifying a plurality of contacts associated with the user, whereby the user and the plurality of contacts are associated with the online communication network. The method may additionally include performing text analytics on a plurality of communications associated with the identified plurality of contacts to determine a plurality of context information. The method may include comparing the determined subject to the determined plurality of context information. The method may include identifying at least one contact within the identified plurality of contacts based on the comparing.
    Type: Grant
    Filed: March 17, 2015
    Date of Patent: July 24, 2018
    Assignee: International Business Machines Corporation
    Inventors: Dhruv A. Bhatt, Kristin E. McNeil, Nitaben A. Patel
  • Patent number: 10032189
    Abstract: A social networking system generates socially-relevant stories for a user based on actions taken by other users to whom the user is connected. The social networking system may receive a request for a sponsored story for a viewing user and may select information about one or more actions performed by one or more users to whom the viewing user is connected to identify one of a plurality of candidate information for a sponsored story based on one or more criteria (e.g., affinity of the viewing user for the candidates, expected value for the candidates, etc.). The social networking system may also generate the sponsored story and generate a feed comprising the sponsored story and news stories (e.g., non-sponsored stories) about one or more users of the social networking system with whom the viewing user is connected. This feed may be provided for display to the viewing user.
    Type: Grant
    Filed: April 13, 2012
    Date of Patent: July 24, 2018
    Assignee: Facebook, Inc.
    Inventors: Timothy Kendall, Matthew R. Cohler, Mark E. Zuckerberg, Yun-Fang Juan, Robert Kang-Xing Jin, Justin M. Rosenstein, Andrew G. Bosworth, Yishan Wong, Adam D'Angelo, Chamath M. Palihapitiya
  • Patent number: 10033995
    Abstract: Methods and apparatus for supporting the capture of images of surfaces of an environment visible from a default viewing position and capturing images of surfaces not visible from the default viewing position, e.g., occluded surfaces, are described. Occluded and non-occluded image portions are packed into one or more frames and communicated to a playback device for use as textures which can be applied to a model of the environment where the images were captured. An environmental model includes a model of surfaces which are occluded from view from a default viewing position but which maybe viewed is the user shifts the user's viewing location. Occluded image content can be incorporated directly into a frame that also includes non-occluded image data or sent in frames of a separate, e.g., auxiliary content stream that is multiplexed with the main content stream which communicates image data corresponding to non-occluded environmental portions.
    Type: Grant
    Filed: March 1, 2016
    Date of Patent: July 24, 2018
    Assignee: NextVR Inc.
    Inventors: David Cole, Alan McKay Moss
  • Patent number: 10032182
    Abstract: Systems, apparatus, and methods for providing promotion sharing between consumers are discussed herein. Some embodiments may include a system including circuitry configured to generate an incentive token for a promotion of a merchant. The incentive token may be associated with a first consumer account and provided to a first consumer device associated with the first consumer account for sharing with other consumers. Upon receiving the incentive token form a second consumer device associated with a second consumer account, the circuitry may be configured to enable the second consumer account to receive an incentive value of the incentive token if various conditions are satisfied. For example, the second consumer may be asked to purchase the promotion, create a new consumer account, or the like.
    Type: Grant
    Filed: June 28, 2013
    Date of Patent: July 24, 2018
    Assignee: GROUPON, INC.
    Inventors: Injae Lee, Selvam Velmurugan, Vinayak Hegde
  • Patent number: 10026065
    Abstract: According to certain embodiments of the present invention, a method for coordinating the provision of a digital receipt associated with a financial transaction is provided. According to the method, a digital receipt and an identifier corresponding to the digital receipt are communicated from an acquirer and received at a digital receipt server. The digital receipt and the corresponding identifier may be communicated through a second network, such as the Internet. The digital receipt and the identifier corresponding to the digital receipt are then stored in the digital receipt server. The digital receipt server also receives an inquiry and an identifier corresponding to the inquiry, which are communicated from an issuer. The inquiry and the corresponding identifier may be communicated through the second network. Prior to this, the identifier is transmitted from the acquirer to the issuer, for example, through a first network such as an electronic funds transfer (“EFT”) network.
    Type: Grant
    Filed: April 17, 2017
    Date of Patent: July 17, 2018
    Assignee: INTEGRATED BANK TECHNOLOGY, INC.
    Inventors: Charles W. Capel, Joel Kunze
  • Patent number: 10025377
    Abstract: A method, computer system, and computer program product for determining an engagement level of an individual is provided. The present invention may include capturing a plurality of image data depicting a relative location of a user. The present invention may also include identifying an individual within the captured image data. The present invention may further include gathering a plurality of engagement level indicator data associated with the identified individual. The present invention may also include calculating a current engagement level of the identified individual using the plurality of gathered engagement level indicator data.
    Type: Grant
    Filed: September 19, 2017
    Date of Patent: July 17, 2018
    Assignee: International Business Machines Corporation
    Inventors: Paul R. Bastide, Matthew E. Broomhall, Robert E. Loredo, Sathyanarayanan Srinivasan
  • Patent number: 10021563
    Abstract: Various exemplary embodiments relate to a method, network node, and non-transitory machine-readable storage medium including one or more of the following: instructions for obtaining, by a session establishment device, a subscriber record associated with a subscriber based on the session establishment device receiving a request message for establishment of a session with respect to a user device, wherein the request message includes a received subscriber identifier associated with the subscriber and a received equipment identifier associated with the user device, and wherein the subscriber record stores a stored subscriber identifier and a stored equipment identifier; instructions for comparing the received equipment identifier to the stored equipment identifier to determine whether the user equipment is associated with the subscriber in the subscriber record; and instructions for conditionally rejecting establishment of the session based on the determination of whether the user equipment is associated with th
    Type: Grant
    Filed: April 29, 2014
    Date of Patent: July 10, 2018
    Assignee: Alcatel Lucent
    Inventors: Ramaswamy Subramanian, Tiru K. Sheth
  • Patent number: 10019680
    Abstract: A computing device including a processor and memory may receive input from a user to define one or more sequence types, each sequence type based on a time frame. A distributed computing system may receive interaction data on a plurality of computing nodes and describing an interaction event between a customer and an agent. The one or more computing nodes may associate the received interaction event with the customer's identifier in a customer history table, wherein the customer history table stores historical interaction events for the customer. Further, the computing nodes may assign the received interaction event to a sequence, based on the defined one or more sequence types.
    Type: Grant
    Filed: November 24, 2014
    Date of Patent: July 10, 2018
    Assignee: NICE LTD.
    Inventors: Dan Sharon, Eitan Kovacs, Igor Cher
  • Patent number: 10015629
    Abstract: Certain embodiments of the present disclosure provide methods and systems for facilitating mobile device connections using geo data items. The method comprises receiving data packets transmitted over a network from a first mobile device corresponding to a first user. The data packets include a request for a dining companion, user information corresponding to the first user, and geo data items identifying a geo-location associated with the first user. A point-of-interest is determined based on the geo data items. One or more other mobile devices, corresponding to system users, within a bounded geographical area of the point-of-interest, are located based on the request and corresponding geo data items. An aggregated score for each system user is calculated based on user attributes and a connection between the first user and a system user is facilitated by the system if the aggregated score corresponding to the system user meets a predetermined threshold.
    Type: Grant
    Filed: July 22, 2016
    Date of Patent: July 3, 2018
    Inventor: Anantha Pradeep
  • Patent number: 10007904
    Abstract: It is presented a security server arranged to set up communication between a merchant device and a customer payment application. The security server comprises: a receiver arranged to receive a first message comprising a customer identifier, an application identifier and a security token; a determiner arranged to determine whether the merchant device is authorized; a transmitter arranged to send a second message to the merchant device, the second message indicating that the merchant device is authorized to effect payment; and a channel establisher arranged to set up a secure channel between the merchant device and the customer payment application in a secure element being adapted to be comprised in a mobile communication terminal, wherein all communication between the merchant device and the customer payment application is controlled by the security server. Corresponding methods, merchant device, computer programs and computer program products are also presented.
    Type: Grant
    Filed: June 29, 2010
    Date of Patent: June 26, 2018
    Assignee: TELEFONAKTIEBOLAGET LM ERICSSON (PUBL)
    Inventors: Mattias Eld, Petter Arvidsson, Goran Selander