Including Funds Transfer Or Credit Transaction Patents (Class 705/39)
  • Patent number: 10296767
    Abstract: A user terminal comprising: i) a display module comprising a display screen and an interface circuitry for receiving a user input; and ii) a magnetic stripe reader configured to detect a magnetic secure transmission (MST) signal received by the user terminal and, in response to the detection, to launch a real-time application in the user terminal. In one embodiment, the real-time application displays a message on the display module of the user terminal. In another embodiment, the real-time application transmits data to a third-party vendor associated with the MST signal.
    Type: Grant
    Filed: November 10, 2017
    Date of Patent: May 21, 2019
    Assignee: Tabletop Media LLC
    Inventors: Vernon Franklin, Viren R. Balar
  • Patent number: 10296895
    Abstract: A computer implemented method for adding value to a stored value card in excess of the purchase price for the stored value card is provided. In one embodiment a stored value card transaction processor receives an activation or redemption request for a stored value card from a point of sale terminal. The activation or redemption request comprises at least one of a card identification, a point of sale terminal identification, a merchant identification, and a time of activation which is compared to data stored in a stored value card datastore to determine if the stored value card to be activated is eligible for a value added award. The processor then determines the value added award and modifies the request to include the value added award. The processor then transmits the modified request to the card issuer authorization system and receives a response which is forwarded to the point of sale terminal.
    Type: Grant
    Filed: March 14, 2014
    Date of Patent: May 21, 2019
    Assignee: BLACKHAWK NETWORK, INC.
    Inventors: Teri Llach, J. DuWayne Milner
  • Patent number: 10293263
    Abstract: Techniques for configuring and operating a fantasy sports interleaver service are described herein. In some examples, a custom content feed can be generated for a user based on one or more topics of interest to the user. The one or more topics of interest to the user may include athletes on a roster of a fantasy team associated with a fantasy sports account of the user. Content segments may be identified that are relevant to the one or more topics of interest to the user and a custom content feed may be generated for the user that includes the content segments. The custom content feed may also include content from a social networking account of the user. The custom content feed may be served to a client device of the user and/or shared with one or more contacts of the social networking account of the user.
    Type: Grant
    Filed: February 11, 2018
    Date of Patent: May 21, 2019
    Inventors: David S. Thompson, David A. Divine
  • Patent number: 10298559
    Abstract: A pre-authenticated token system includes an identification token having a switch, a transmitter and receiver circuit, and a sensor; a docking station having control circuitry, a transmit/receive circuit and an antenna; a personal computer; and an authentication server computer. The personal computer transmits security information to the authentication server, receives authentication information, and transmits an authentication signal to the docking station. The docking station receives the authentication signal, enters an authentication mode, and transmits the authentication signal to the identification token. The sensor of the identification token detects removal of the identification token from the user's body, and the switch then responds by disabling the identification token to prevent transmission of identification data.
    Type: Grant
    Filed: November 13, 2013
    Date of Patent: May 21, 2019
    Assignee: Mastercard International Incorporated
    Inventor: Simon Phillips
  • Patent number: 10275983
    Abstract: A system and method are provided for performing a cashless gaming ticket redemption transaction for a customer in a casino environment. The system includes a gaming machine, such as a slot machine, that the customer plays. Rather than issuing cash to the customer, the gaming machine issues a redemption ticket with a unique identifier to the customer. The unique identifier and the amount of the customer's winnings accrued on the gaming machine are stored and associated on a redemption ticket database. When the customer wishes to redeem the winnings, the redemption ticket is introduced to a multi-function ATM. To perform the ticket redemption transaction, the ATM is adapted to electronically accept the redemption ticket and read the unique identifier. The ATM then electronically communicates with the redemption database to retrieve the predetermined dollar value associated with the unique identifier. Finally, the ATM transfers to the customer an award equal to the predetermined dollar value in cash or credit.
    Type: Grant
    Filed: April 25, 2016
    Date of Patent: April 30, 2019
    Assignee: Everi Payments Inc.
    Inventors: Craig Potts, Richard Beer
  • Patent number: 10275842
    Abstract: Various embodiments are provided for facilitating the operation and control of a fleet of on-site energy assets and optimizing energy dispatch across the fleet, thereby facilitating the use of the on-site energy assets instead of grid-supplied electric consumption. An example system may comprise a central platform and a plurality of on-site gateway devices configured to perform on-site asset control. An example method may comprise receiving a service availability call, performing fleet-level optimization, generating a set of site-level schedules, and causing, as a function of the site-level schedules, real-time on-site asset control.
    Type: Grant
    Filed: March 29, 2017
    Date of Patent: April 30, 2019
    Assignee: ADVANCED MICROGRID SOLUTIONS, INC.
    Inventors: Ja-Chin Audrey Lee, Corey Noone, Kate Knox
  • Patent number: 10276773
    Abstract: The invention concerns an electronic wearable device (1) adapted to form a loop around a body part of a user and comprising an elongated member (10) being a part of the loop and a control unit (20). The elongated member (10) comprises an electroactive polymer (11), whereby the shape of the electroactive polymer is adapted to be changed by regulating a voltage applied to the electroactive polymer. The invention also concerns an electronic wireless communication system comprising the electronic wearable device and a mobile electronic communication device for wireless communication with the electronic wearable device.
    Type: Grant
    Filed: January 13, 2015
    Date of Patent: April 30, 2019
    Assignees: SONY CORPORATION, SONY MOBILE COMMUNICATIONS INC.
    Inventors: Alexander Hunt, Samir Drincic
  • Patent number: 10275613
    Abstract: In one aspect, the present disclosure relates to a method for improved security in a networked computing environment, the method comprising: receiving, from a user device, a registration request comprising a user identifier for a user; receiving, from the user device, user credentials to access one or more online accounts associated with the user; accessing the one or more online accounts to retrieve user activity data for the user; analyzing the retrieved user activity data to determine one or more merchants associated with the user; storing, in a database coupled to a server device, a mapping between the user and the one or more merchants; receiving, from a monitoring service, an indication that a first merchant of the one or more merchants has experienced a data breach; and sending a notification to the user in response to determining that the first merchant has experienced a data breach.
    Type: Grant
    Filed: April 20, 2018
    Date of Patent: April 30, 2019
    Assignee: Capital One Services, LLC
    Inventors: Michelle Olenoski, Clayton Johnson, Jeffrey Brown, Venkata Ph Kolli
  • Patent number: 10275745
    Abstract: The invention comprises a system and method for “waterfall” type payment processing using multiple alternative payment sources. A payor provides account information for multiple payment sources, such as a bank checking account, savings account, first credit card account, second credit card account, and so forth. The multiple payment sources are prioritized so that one is a primary payment source, another is a secondary payment source, another is a tertiary payment source, and so forth. After setting up the waterfall payment arrangement, when a bill becomes due a payee or third party payment administrator submits transactions against the payment sources in their order of priority until the payment is satisfied. Other variations and enhancements are disclosed.
    Type: Grant
    Filed: November 21, 2013
    Date of Patent: April 30, 2019
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Matthew W. Hankins, William F. Mann, Mark Dickelman
  • Patent number: 10277595
    Abstract: Identity recognition is achieved using user's living signatures, such as a heartbeat signal, from multiple devices. A user requests identity recognition for using a first registered device, such as a mobile device. The request is provided to a cloud. When the cloud confirms the mobile device is a registered device, the cloud directs the first registered device to upload the user living signature to the cloud. The cloud also sends a request to a user second registered device to upload the user living signature from the second registered device to the cloud. The user second registered device may be a headband monitor, watch, Google glasses, or the like capable of monitoring and uploading the user living signature to the cloud. The cloud compares both living signature signals from the first registered device and from the second registered device. If the signals are matched, the user identity is confirmed. If the signals are not matched, the user identity is not confirmed.
    Type: Grant
    Filed: December 11, 2015
    Date of Patent: April 30, 2019
    Assignee: International Business Machines Corporation
    Inventors: Jui-Hsin Lai, Yinglong Xia
  • Patent number: 10268810
    Abstract: Systems, methods and apparatus are described for securely authenticating a user at an appropriate level of security depending on context. A system embodiment includes a meta-wallet system platform, a user mobile device, and a plurality of entity computers. A meta-wallet processor receives a user authentication request from a user mobile device including a meta-wallet identifier, an entity identifier, a context identifier, and at least one of user biometric data, user personal assets data, and user social media data. The meta-wall processor then determines that the user is a registered meta-wallet user, defined at least one security protocol, and is engaging in a predetermined type of activity. A security protocol is then selected, and a determination made that a combination of personally identifiable assets data and user biometric data and/or user social media data matches stored data and satisfies the security protocol.
    Type: Grant
    Filed: May 1, 2018
    Date of Patent: April 23, 2019
    Assignee: Mastercard International Incorporated
    Inventor: Bejoy Mathew
  • Patent number: 10270787
    Abstract: A method and system for administering an interactive computer network and more particularly to performing security in a network of interactive electronic components, such as a computer network using a currency-based transactional economy model where scarcity serves as a limiting factor to accessing and engaging in various activities within the system.
    Type: Grant
    Filed: May 23, 2016
    Date of Patent: April 23, 2019
    Assignee: Battelle Memorial Institute
    Inventors: Jeremy R. Teuton, Jeromy M. Markwort
  • Patent number: 10269007
    Abstract: The embodiments described herein provide in one aspect, a method of loading a transaction card account onto a mobile device, the mobile device comprising a memory and a contactless reader, the method comprising: reading, via the contactless reader, transaction card information from a physical contactless transaction card corresponding to the transaction card account; sending a retrieval message, to an issuer server, to retrieve a card security credential for the transaction card account, the retrieval message comprising the transaction card information for identifying the transaction card account at the issuer server; receiving, from the issuer server, a card security credential for the transaction card account; and storing, the transaction card information and the card security credential as a transaction card corresponding to the transaction account, on the memory of the mobile device.
    Type: Grant
    Filed: April 27, 2016
    Date of Patent: April 23, 2019
    Assignee: XROMB INC.
    Inventors: Mikhail Kushevsky, Michael Fainshtein, Valdis Andris Martinsons
  • Patent number: 10264049
    Abstract: A system for monitoring resource utilization and electronic validation includes an entity system having a network communication interface and a memory device storing a resource monitoring and utilization application and a resource application. A processing device is operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to: determine based on the utilization of the resource application to initiate the resource monitoring and utilization application; initiate the resource monitoring and utilization application; and transmit an electronic validation that a transaction executed by the resource application is complete.
    Type: Grant
    Filed: May 27, 2016
    Date of Patent: April 16, 2019
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Alicia C. Jones-McFadden, Joseph Benjamin Castinado
  • Patent number: 10262495
    Abstract: A method implemented on a first electronic computing device includes determining available lotteries for a user of the first electronic computing device. The user is authenticated on the first electronic computing device. An area of residence is confirmed for the user. First lotteries that are available in the area of residence of the user are identified. Second lotteries for which the user can qualify are identified. The second lotteries are a subset of the first lotteries. When one or more of the second lotteries are identified, identification information for the second lotteries is sent to a second electronic computing device for display to the user on the second electronic computing device.
    Type: Grant
    Filed: July 31, 2018
    Date of Patent: April 16, 2019
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Kourtney Eidam, Randy Matthew Prather
  • Patent number: 10245993
    Abstract: Autonomous ground vehicles (“AGVs”) are utilized to transport items to delivery locations and may be modular in that a storage compartment portion (e.g., which may hold an ordered item) may be removable (i.e., separable) from a propulsion portion. In various implementations, the storage compartment portion may be securely attached to the propulsion portion during transport (e.g., requiring an access code to remove and/or open), and the storage compartment portion may similarly be securely attached to the delivery location (e.g., at a docking station) when delivered. In various implementations, the storage compartment portion may be refrigerated, heated, etc., and may include various sensors on the inside and outside of the storage compartment portion (e.g., temperature sensors, motion sensors, image sensors to determine the presence and condition of items and/or to assist with navigation and other operations of the propulsion portion, etc.).
    Type: Grant
    Filed: September 29, 2016
    Date of Patent: April 2, 2019
    Assignee: Amazon Technologies, Inc.
    Inventors: Tye Michael Brady, Darren Ernest Canavor, Ethan Zane Evans, Pragyana K. Mishra, Hilliard Bruce Siegel
  • Patent number: 10248438
    Abstract: The present invention relates to interface control systems and methods, for use with consumer electronic devices. User Interfaces, which are normally predefined at the time of manufacture, are entirely specific to the appliance by virtue of the underlying kernel or operating system. The present system includes means for providing information to and receiving information from a user to establish control over the user interface. The means for providing and receiving the information may be controlled, at least in part, by an alterable database that is separate from both the operating system and applications. This allows the database to be changed without making any changes to the underlying operating system or applications. The alterable database may be in a script form, and may be configured by the user at any time during normal operation of the apparatus. The system may invoke or modify the information contained in the alterable database in response to stimuli external to the alterable database.
    Type: Grant
    Filed: September 17, 2009
    Date of Patent: April 2, 2019
    Assignee: FLUFFY SPIDER TECHNOLOGIES PTY. LTD.
    Inventors: Brett S. Nash, Robert J. Karp
  • Patent number: 10242390
    Abstract: Aspects of the disclosure relate to controlling automated exchange zone systems using a digital data processing system. A computing platform may receive a notification indicating that an item has been received by an automated exchange zone system and may generate and send one or more item scan commands directing the automated exchange zone system to capture one or more scans of the item. Subsequently, the computing platform may receive item scan data captured by the automated exchange zone system and may evaluate the item scan data based on one or more templates. The computing platform may assign an item quality metric to the item and may generate, based on the item quality metric, one or more item processing commands directing the automated exchange zone system to process the item. Thereafter, the computing platform may send the one or more item processing commands to the automated exchange zone system.
    Type: Grant
    Filed: July 31, 2017
    Date of Patent: March 26, 2019
    Assignee: Bank of America Corporation
    Inventor: Manu Kurian
  • Patent number: 10242514
    Abstract: Aspects of the disclosure relate to processing remotely captured sensor data. A computing platform having at least one processor, a communication interface, and memory may receive, via the communication interface, from a user computing device, sensor data captured by the user computing device using one or more sensors built into the user computing device. Subsequently, the computing platform may analyze the sensor data received from the user computing device by executing one or more data processing modules. Then, the computing platform may generate trip record data based on analyzing the sensor data received from the user computing device and may store the trip record data in a trip record database. In addition, the computing platform may generate user record data based on analyzing the sensor data received from the user computing device and may store the user record data in a user record database.
    Type: Grant
    Filed: July 6, 2018
    Date of Patent: March 26, 2019
    Assignee: Allstate Insurance Company
    Inventors: Pratheek M. Harish, Benjamin Robertson Yeomans, Alexander Herrmann, Kyle Patrick Schmitt, Venu Madhav Tammali
  • Patent number: 10242354
    Abstract: Systems and methods are provided for facilitating alternative payment submissions. According to a one aspect, a selection by a purchaser of one or more items is received, one or more characteristics associated with the purchaser are processed to determine a reliability of the purchaser, and an option to provide payment for the one or more items by way of a first payment method in lieu of a second payment method is selectively provided to the purchaser based on the determined reliability, the second payment method corresponding to a payment method requiring the purchaser to provide banking information and the first payment method corresponding to a payment method not requiring the purchaser to provide banking information. Other embodiments of the various aspects include corresponding systems, apparatus, and computer program products.
    Type: Grant
    Filed: May 29, 2018
    Date of Patent: March 26, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Leland S. Englebardt, Bruce Owens, Wade N. Plummer
  • Patent number: 10243867
    Abstract: Systems and methods for addressing a vehicle condition are provided. In one example embodiment, a method includes receiving data indicative of a condition associated with an autonomous vehicle. The autonomous vehicle is associated with a service provider that provides a service to a plurality of users of the service. The method includes identifying at least a subset of the plurality of users of the service based, at least in part, on a respective location associated with each user of the subset of users and a location of the vehicle. The method includes determining a selected user from the subset of users to address the condition associated with the vehicle based at least in part on one or more parameters. The method includes providing, to the selected user, a communication. The communication including a request that the selected user address the condition associated with the vehicle.
    Type: Grant
    Filed: October 28, 2016
    Date of Patent: March 26, 2019
    Assignee: Uber Technologies, Inc.
    Inventor: Matthew Shaw Wood
  • Patent number: 10242352
    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 5, 2017
    Date of Patent: March 26, 2019
    Assignee: SIGHTLINE INTERACTIVE LLC
    Inventors: Kirk E. Sanford, Thomas M. Sears, Omer Sattar
  • Patent number: 10235672
    Abstract: Payment information and user input to serve as authorization to perform a transaction using the payment information can be obtained from a remote user having a client computing device. A merchant can send a request for payment information and authorization over a network to any device having a browser and touch screen or other means for receiving user input. A user interface having overlaid fields can be used to receive the payment information in a secure manner that prevents the payment information from being stored on the client computing device. An input area can also be displayed within the browser on the user's device. When the user inputs a signature (or other authorization information) into the input area, the signature can be routed over a network back to the merchant to provide authorization for a transaction.
    Type: Grant
    Filed: November 14, 2013
    Date of Patent: March 19, 2019
    Assignee: Zukunftware, LLC
    Inventor: Volker Neuwirth
  • Patent number: 10237416
    Abstract: One embodiment provides a method, including: establishing, using a wireless wide area network (WWAN) device of an electronic device, a WWAN connection; communicating, using the WWAN device, data over the WWAN connection; tethering, using the WWAN device and a wireless local area network (WLAN) device of the electronic device, another user device; communicating, using a processor of the electronic device, data according to the tethering; and determining, using a processor of the electronic device, a separate data usage value for data communicated over the WWAN for the another user device. Other aspects are described and claimed.
    Type: Grant
    Filed: October 16, 2015
    Date of Patent: March 19, 2019
    Assignee: Lenovo (Singapore) Pte. Ltd.
    Inventors: Michael Terrell Vanover, Howard Locker, Yaqiang Wu
  • Patent number: 10229182
    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: June 25, 2018
    Date of Patent: March 12, 2019
    Assignee: International Business Machines Corporation
    Inventors: Dhruv A. Bhatt, Kristin E. McNeil, Nitaben A. Patel
  • Patent number: 10226704
    Abstract: A method and system to leverage a gaming infrastructure to encourage actions in a non-virtual environment to achieve virtual world benefits, comprising having a participant install 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 visiting specific geographic locations which may include businesses; participants visits specified location; and, participant is provided a virtual reward by Gameco.
    Type: Grant
    Filed: January 28, 2016
    Date of Patent: March 12, 2019
    Inventors: Mark Krietzman, Andrew Robinson
  • Patent number: 10223689
    Abstract: Systems and methods may comprise RFID data acquisition technology which may be embedded in a fob or tag for use in completing financial transactions. This fob may a self-contained device which includes a transponder and which may be contained on any portable form factor. For instance, the tag may be housed in a wearable transaction instrument, such as an activity tracker. The tag is configured to be used in concert with an RFID reader device.
    Type: Grant
    Filed: February 19, 2015
    Date of Patent: March 5, 2019
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Jason E. Muncey, Keshav A. Narsipur, Sreenivasan B. Parameshwara, Manoj Krishnamma Thulaseedharan Pillai
  • Patent number: 10223683
    Abstract: A versatile transaction scanner for use in a food and beverage venue, comprising an optical reader and a wireless transceiver, which is adapted to read transaction information encoded within a transaction code, and transmit the transaction information to a point of sale system for processing. The transaction scanner can be used by a user who is a venue staff member to scan transaction codes representing new customer orders which are then received by the point of sale system and prepared by the venue. The transaction information may further contain payment information, allowing the transaction to be processed and completed with a single scan. The transaction scanner may further comprise a vibration mechanism which alerts the user when the customer's order is ready to be served. The transaction scanner may also have an integrated bottle opening mechanism, allowing a bartender to simultaneously take beverage orders and open bottle caps.
    Type: Grant
    Filed: December 5, 2017
    Date of Patent: March 5, 2019
    Inventor: Saverio Dalia
  • Patent number: 10223680
    Abstract: Methods, systems, and computer-readable media for determining whether a check may be cashed at an automated teller machine (ATM) are provided. The ATM may capture check image data from the face of the check and the ATM may transmit the data to a check cashing computing platform. The check cashing computing platform may determine whether the account on which the check is drawn is an account of a first financial institution associated with the ATM, or the account is an account of a second financial institution. A first or second set of rules may be applied to the check based on this determination, to determine an overall check cashing risk score. A determination is then made, based on the overall check cashing risk score, as to whether the check may be cashed or the request to cash the check may be denied.
    Type: Grant
    Filed: June 5, 2015
    Date of Patent: March 5, 2019
    Assignee: Bank of America Corporation
    Inventors: Charles F. Pigg, Paul Cooley, Roberto J. Dominguez, Tommi Levi, Paul Martin Mattison, Sr.
  • Patent number: 10223671
    Abstract: Systems, methods and computer program products include capturing a job seeker's résumé, capturing a cached set of job postings from career websites, providing a search tool for the job seeker to find at least one job posting from the cached set of job postings and, in response to a directive from the job seeker, using information from the job seeker's résumé to directly apply for the found job posting on the career website.
    Type: Grant
    Filed: June 30, 2006
    Date of Patent: March 5, 2019
    Assignee: GEOGRAPHIC SOLUTIONS, INC.
    Inventors: Paul Toomey, William Bryan Megargel
  • Patent number: 10225076
    Abstract: A method and system to securely split a digital promise that is recorded in a blockchain. A digital promise represents a promise by a promisor to pay a promisee an asset when a specified condition is satisfied. The specified condition may be fulfillment of a digital contract, also recorded in the blockchain, to which the digital promise is linked. When splitting a digital promise, a split transaction is recorded indicating a split into a first child digital promise and a second child digital promise. In each child digital promise, the promisor promises to pay a child promisee a portion of the asset when a specified child condition is satisfied. When a digital promise is split, the digital promise itself is no longer payable, but the child digital promises are payable when both the specified condition and the specified child condition for the child digital promise are satisfied.
    Type: Grant
    Filed: February 17, 2017
    Date of Patent: March 5, 2019
    Inventors: Tianqing Leng, Tianhui Leng
  • Patent number: 10217091
    Abstract: Apparatus and methods for pre-provisioning a generic connection to the bank to allow clients to transmit electronic test files. The test files may include one or more transaction requests submitted for processing by the client. Methods may evaluate infrastructure for processing the requested transactions. Methods may include determining a feasibility of the establishing the infrastructure. A phantom acknowledgement may be transmitted to the client before establishing the infrastructure to process the requested transactions.
    Type: Grant
    Filed: February 13, 2015
    Date of Patent: February 26, 2019
    Assignee: Bank of America Corporation
    Inventors: Brian F. Adams, Sharon P. Midkiff, Sorin Cismas, Manu Kurian
  • Patent number: 10210499
    Abstract: Systems and methods for preparing payment requests via cached payee information databases are described. The cached payee database system allows customers of a financial institution to search locally stored payee databases on their mobile devices for payee information. The cache version of the payee database is periodically updated with new and corrected payee information. The cached database system can perform payee searches on a character-by-character basis in real time with minimal delays between searches.
    Type: Grant
    Filed: December 15, 2014
    Date of Patent: February 19, 2019
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Sabitha Dachepalli, Remo DeLeon, Peter Rozovski
  • Patent number: 10210576
    Abstract: A risk determination computing device for determining a risk of insurance fraud is provided. Additionally, a method for determining a risk of insurance fraud is provided. Further, a computer-readable storage medium having computer-executable instructions embodied thereon for determining a risk of insurance fraud is provided.
    Type: Grant
    Filed: October 23, 2015
    Date of Patent: February 19, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Justin X. Howe, Randy Shuken
  • Patent number: 10210491
    Abstract: Systems and methods are provided for processing objects. For example, a call request message is received, the call request message carrying an identification (ID) of order data associated with one or more objects, the order data including at least a total value of the objects and an ID of a second subject; a first account related to a first subject and a user password related to the first subject are acquired; the first account and the user password and the ID of the order data are sent; the first account and the user password and the ID of the order data are forwarded; and based on at least information associated with the first account and the user password and the ID of the order data, the total value is deducted from a first value included in the first account related to the first subject.
    Type: Grant
    Filed: May 30, 2014
    Date of Patent: February 19, 2019
    Assignee: Tencent Technology (Shenzhen) Company Limited
    Inventors: Xiaolong Zhang, Wa Ye, Peng Liu, Shushen Lu, Xing Liang, Ming Chen
  • Patent number: 10210521
    Abstract: When a user enters a resource provider location with a portable communication device, the portable communication device provides an indication to a transaction processing system that the portable communication device is currently at the resource provider location. At a later time when the user conducts a transaction with a portable transaction device, the fact that the user's portable communication device had been detected at the resource provider a short time ago is taken into account as a positive indicator that the transaction is not fraudulent. By verifying that both the portable communication device and the portable transaction device are present at the resource provider, the risk of approving a fraudulent transaction from a stolen portable transaction device can be reduced.
    Type: Grant
    Filed: March 17, 2016
    Date of Patent: February 19, 2019
    Assignee: Visa International Servicer Association
    Inventors: Kim Wagner, John F. Sheets, Mark Nelsen, Jing Jin
  • Patent number: 10198693
    Abstract: Systems and methods for obtaining vehicle operational data and driving context data from one or more monitoring systems, including converting the obtained vehicle operational data and driving context data into sequential vehicle operational feature data and sequential driving context feature data, calibrating the sequential vehicle operational feature data and the sequential driving context feature data temporally to form calibrated sequential vehicle operational feature data and calibrated sequential driving context feature data, constructing a sequence table of temporal sample points based on the calibrated sequential vehicle operational feature data and the calibrated sequential driving context feature data, feeding the sequence table into a deep neural network model for applying network learning to form a trained deep neural network model, extracting driving behavior features from the trained deep neural network model and analyzing the extracted driving behavior features to determine driving behavior char
    Type: Grant
    Filed: October 24, 2016
    Date of Patent: February 5, 2019
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Wei Shan Dong, Peng Gao, Jian Li, Chang Sheng Li, Wen Han Luo, Chun Yang Ma, Renjie Yao, Ting Yuan, Jun Zhu
  • Patent number: 10192210
    Abstract: When a consumer makes a purchase at a POS using a payment provider, the payment provider provides, to the merchant, a consumer identification (ID) and an authorization number, along with the payment approval. After receiving the information from the payment provider, the POS device sends a generated digital or electronic receipt to an email address of the payment provider. The email contains information about the payer and the authorization. Upon receipt, the payment provider may upload the electronic receipt into the consumer's mobile wallet or account using the payer ID and authorization number. As a result, the consumer can easily locate and access a receipt on the consumer's mobile device, such as by accessing the user's mobile wallet or the user's payment provider account on the mobile device, e.g., through a mobile app.
    Type: Grant
    Filed: June 30, 2015
    Date of Patent: January 29, 2019
    Assignee: PAYPAL, INC.
    Inventor: Attaullah Mirza Baig
  • Patent number: 10176489
    Abstract: A transaction is conducted at a merchant location using redeemed loyalty points maintained in a loyalty point account for a customer. The transactions are conducted using a mobile device at a POS terminal. In response to receiving a customer ID from the mobile device, a loyalty server provides the monetary value of loyalty points. The customer may use the mobile device to redeem those points and have the value transferred into a financial account. A payment processing system connected to the POS terminal completes the transaction using the financial account.
    Type: Grant
    Filed: August 21, 2014
    Date of Patent: January 8, 2019
    Assignee: First Data Corporation
    Inventors: Todd Nuzum, Brian Friedman, Virginia G. Sayor
  • Patent number: 10178156
    Abstract: A database system captures custom information of a header section associated with a logged interaction of a user. The database system may receive a hypertext transfer protocol (http) message including the header section and determine whether the header section includes a predetermined data pattern associated with the custom information added by a second application that is different than a first application which initiated the http message. The database system may extract the custom information from the header section in response to determining that the header section includes the predetermined data pattern. The custom information and event data extracted from the logged interaction of the user may be stored on the database system as a storage element.
    Type: Grant
    Filed: April 16, 2015
    Date of Patent: January 8, 2019
    Assignee: SALESFORCE.COM, INC.
    Inventors: Aakash Pradeep, Adam Torman, Alex Warshavsky, Samarpan Jain, Soumen Bandyopadhyay, Thomas William D'Silva
  • Patent number: 10171671
    Abstract: A method of routing a communication of a customer to an appropriate service representative includes, in accordance with an embodiment of the present disclosure, identifying, within a database stored to a server, a customer account associated with the customer. The method also includes analyzing a data fingerprint saved to the customer account, where the data fingerprint comprises data indicative of a plurality of life events associated with the customer. The method also includes determining, via a switch, the appropriate service representative based on the analyzing of the data fingerprint.
    Type: Grant
    Filed: November 10, 2016
    Date of Patent: January 1, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bharat Prasad, Gunjan C. Vijayvergia, Vijay Jayapalan
  • Patent number: 10169744
    Abstract: A payment system (100) includes a mobile terminal (1) that includes a plurality of payment means that makes payments and a reader/writer (3) that includes an inquiry means configured to sequentially make inquiries to the mobile terminal (1) about each of a plurality of acceptable payment means and accepts a payment with one payment means specified among available payment means found by the inquiry means by using a payment processing means corresponding to the one payment means, and the mobile terminal (1) further includes a mobile application (14) that temporarily disables one or more payment means among the plurality of payment means in response to an external request.
    Type: Grant
    Filed: September 28, 2012
    Date of Patent: January 1, 2019
    Assignee: Rakuten, Inc.
    Inventor: Hideki Akashika
  • Patent number: 10171245
    Abstract: Methods and systems described herein create a first addressed account and a second addressed account that each have a common identifier and are each associated with a customer. The system can receive an order for exchanging digital transactional items associated with the first addressed account, where the order is associated with the common identifier. A private key associated with the first addressed account can be used to electronically sign a first transaction to transfer the digital transactional items from the first addressed account to the second addressed account, and the same private key can be used to sign a second transaction. After verifying that the first transaction was signed with the same private key as the first transaction, the system authorizes placement of the order on a cryptographic exchange.
    Type: Grant
    Filed: February 5, 2016
    Date of Patent: January 1, 2019
    Assignee: t0.com, Inc.
    Inventors: Alec Wilkins, Eric Nathaniel Fish, Trent Norman Larson, Patrick M. Byrne
  • Patent number: 10163091
    Abstract: A system for receiving cash deposits at a point of sale includes a processor; a product inventory database; a communication interface; a product inventory item reader; and a purchase instrument reader. The processor is configured to receive a product code from the product inventory item reader; access the product inventory database to recognize the product code as a deposit product code; receive signals indicating an amount of a deposit associated with the deposit product code; receive signals from the purchase instrument reader identifying an account for the deposit; and send signals to a transaction processing network via the communication interface to thereby effect the deposit of the amount into the account.
    Type: Grant
    Filed: January 4, 2016
    Date of Patent: December 25, 2018
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Gunjan Vijayvergia, Bharat Prasad
  • Patent number: 10165056
    Abstract: A user may perform activities at an automated device having various technical features, such as a display, a printer, a camera, a microphone, a speaker, and other features used to perform activities at the automated device. During performance of an activity, the user may run into an issue and request assistance from an agent having a computing device (e.g., a portable computing device). Additionally or alternatively, the automated device may detect the issue and send a request for assistance to a computing device managing a transaction assistance portal or directly to the agent's computing device. The request may identify the user, the activity, and/or the issue, and the agent and his or her computing device may be used to resolve the issue. The agent's computing device may also be used to facilitate customer relationship management with the user.
    Type: Grant
    Filed: June 30, 2015
    Date of Patent: December 25, 2018
    Assignee: Bank of America Corporation
    Inventors: Christian Mande, Mark Williamson, Brendan Watkins, Ryan Furey, Anne Price, Alison Pearce, Michelle Bentubo
  • Patent number: 10157375
    Abstract: A method of processing a transaction between a merchant and a buyer over a communication network is provided. The transaction is processed using one of a plurality of alternative payment options and each of the alternative payment options are provided by one of a plurality of alternative payment providers. Each of the alternative payment providers uses a different alternative payment implementation. The method includes: obtaining transaction information from the merchant; returning a redirection URL and an order identifier to the merchant; obtaining a transaction message from the merchant, where the transaction message specifies the type of operation; performing the operation type specified in the transaction message with the appropriate alternative payment provider; and returning a processing message to the merchant containing the results from performing the operation type specified in the transaction message.
    Type: Grant
    Filed: June 3, 2009
    Date of Patent: December 18, 2018
    Assignee: CardinalCommerce Corporation
    Inventors: Chandra S. Balasubramanian, Michael A. Keresman, III, Eric Goodman, Adam Ratica, Scott Rauhe
  • Patent number: 10152240
    Abstract: A data transaction processing system including multiple transaction processors also includes a resource allocation system that characterizes the transaction processors based on input output electronic data transaction request message patterns associated with the transaction processors. The resource allocation system dynamically allocates computing resources, such as data path bandwidth, processor priority, CPU cores, memory, and processing threads to the various transaction processors and components therein based upon the transaction processor characterizations, improving the overall processing throughput, resource utilization, and efficiency of the multi-transaction processor system.
    Type: Grant
    Filed: October 31, 2016
    Date of Patent: December 11, 2018
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Kyle D. Kavanagh, José Antonio Acuña-Rohter, Viren Soni
  • Patent number: 10152713
    Abstract: Techniques and arrangements for detecting potentially fraudulent transactions made on a point-of-sale (POS) device. In some instances, the POS device may upload a batch of authorization requests corresponding to transactions made on the POS device while the POS device was in an offline mode. A payment service may receive this batch and, as opposed to processing the entire batch, may select a subset for processing. After selecting the subset, the payment service may attempt to authorize payment instruments associated with each transaction of the subset. The payment service may then compare an amount of declined payment instruments to a threshold. If the amount is greater than the threshold, then the payment service may flag the subset and/or the batch as fraudulent and may refrain from processing further transactions of the batch.
    Type: Grant
    Filed: October 9, 2015
    Date of Patent: December 11, 2018
    Assignee: Square, Inc.
    Inventors: Jevin Bhorania, Aimal Mehrabi
  • Patent number: 10147074
    Abstract: A network operator intermediates a cashless transaction by sending a payment device issuer an outbound clearing data file enriched with cleansed merchant data. Issuers that choose to participate in the merchant data cleansing service will be provided with the cleansed, and optionally augmented, merchant information. Providing this data to the issuer could be used to help reduce costs associated with “do not recognize” calls by cardholders, disputed charges, and charge-backs. With cleansed data provided in the clearing record, a device holder would be given access to this cleansed information about the merchant where a transaction took place through their statement. The present disclosure also provides for augmenting the clearing record data to include merchant-specific add-on and/or aggregate data not presently included in the transaction clearing record, yet useful to the issuer both in form and content.
    Type: Grant
    Filed: December 23, 2013
    Date of Patent: December 4, 2018
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Bruce William MacNair, Ana Paula Martinez Prada Peyser, Cristobel Kay von Walstrom, Gary Randall Horn, Jason Alexander Kiorosec, Kimberly Ann Martin, Peter Julian Ramon Antonio R. Flor, Raegen Ann-Marie Lang, Richard Thomas Flynn, Todd C. Lowenberg, Thomas Joseph Sellner
  • Patent number: 10147087
    Abstract: Transaction data is obtained relating to a current purchase transaction. An account indicator is retrieved. The transaction data is used to transform the account indicator. The transformed account indicator is encrypted to generate an encrypted account indicator.
    Type: Grant
    Filed: March 6, 2015
    Date of Patent: December 4, 2018
    Assignee: Mastercard International Incorporated
    Inventors: Jason J. Lacoss-Arnold, Chandrasekhar Rao Nadella, Jeffrey L. Altemueller, Ganesh L. Iyer