Including Funds Transfer Or Credit Transaction Patents (Class 705/39)
  • Patent number: 10728237
    Abstract: Systems, methods, devices, and software can be used to send or receive a software update. In some aspects, a software update notification is received at an electronic device. The software update notification indicates a security requirement. A network connection determined to be secure for receiving a software update based on the security requirement. The software update is downloaded using the network connection.
    Type: Grant
    Filed: December 9, 2016
    Date of Patent: July 28, 2020
    Assignee: BlackBerry Limited
    Inventors: Nicole Melissa DeBickes, Jason Lee Carter
  • Patent number: 10726420
    Abstract: According to various embodiments, a merchant computing device is configured to obtain a first portion of a transaction account number from at least one transaction account issuer (TAI) computing device and a second portion of the transaction account number from a client device. The merchant computing device is further configured to transmit to the TAI computing device a request to authorize a transaction based at least in part on the first portion and the second portion of the transaction account number. The merchant computing device is further configured to obtain from the TAI computing device data indicating that the at least one TAI computing device authorized the transaction.
    Type: Grant
    Filed: October 8, 2019
    Date of Patent: July 28, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Sarah C. Dodds-Brown, Anwesa Paul
  • Patent number: 10726355
    Abstract: In an example embodiment, a solution that automatically predicts an industry for a candidate company is provided. An existing industry classifier is trained using a first machine learning algorithm, the first machine learning algorithm taking as input first training data and existing industries listed in an industry taxonomy. A new industry classifier is trained using a second machine learning algorithm, the second machine learning algorithm taking as input second training data and new industries listed in an industry taxonomy. Then the candidate company is fed into the existing industry classifier, producing one or more predicted existing industries corresponding to the candidate company. The candidate company is also fed into the new industry classifier, producing one or more predicted new industries corresponding to the candidate company. One or more final predicted industries are selected from among the one or more predicted existing industries and the one or more predicted new industries.
    Type: Grant
    Filed: May 31, 2016
    Date of Patent: July 28, 2020
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Dan Shacham, Uri Merhav, Zhanpeng Fang
  • Patent number: 10726415
    Abstract: A system and method for token-based transactions to facilitate non-cash payments without using personally identifiable information data is disclosed. The system generally includes at least one computer processor and a module, which when executed by the at least one computer processor, causes the computer processor to exchange data representative of a request for identification with a computing device of a Payer Entity. The computer processor generates a signed Digital Debt Obligation, including purchase metadata comprising currency and at least one preferred payment provider, and sends the signed digital debt to the computing device of the Payer Entity. The computer processor receives data representing an approved Digital Debt Obligation from the computing device of the Payer Entity and verifies the approved Digital Debt Obligation. The computer processor sends data representative of the approved Digital Debt Obligation to a Payment Processor and queries the Payment Processor for supported payment methods.
    Type: Grant
    Filed: May 18, 2015
    Date of Patent: July 28, 2020
    Inventors: Tyson Kopczynski, Daniel Chiang
  • Patent number: 10717621
    Abstract: A money handling apparatus 10 for handling money includes a storage and feeding unit 150, 270 configured to store the money and feed out the stored money, a dispensing unit 172, 260 configured to eject the money to an outside, a transport unit 170, 264 configured to transport the money fed out from the storage and feeding unit 150, 270 to the dispensing unit 172, 260, and a control unit 12 configured to perform dispensing process of the money by the dispensing unit 172, 260 by controlling at least one of the storage and feeding unit 150, 270 and the transport unit 170, 264. The control unit 12 performs the dispensing process of the money at an arbitrary timing after certain process of the money is performed.
    Type: Grant
    Filed: September 18, 2018
    Date of Patent: July 21, 2020
    Assignee: GLORY LTD.
    Inventors: Takahiro Oe, Kenichiro Akita, Takuya Omine
  • Patent number: 10716675
    Abstract: Systems and methods for converting consumer coins, cash, and/or other forms of value for use with mobile commerce platforms implemented on, for example, smart phones, PDAs, and other mobile devices. In one embodiment, a method for implementing a mobile commerce account on a mobile device includes receiving coins and/or other funds from a user at a consumer-operated kiosk. The method can further include counting the coins and/or other funds to determine a value, and then communicating at least a portion of the value from the kiosk to the hand-held mobile device for deposit in the mobile commerce account.
    Type: Grant
    Filed: September 15, 2017
    Date of Patent: July 21, 2020
    Assignee: Coinstar Asset Holdings, LLC
    Inventors: Gregory Yahn, Engle Saez
  • Patent number: 10719364
    Abstract: A method for quantifying resource usage may include measuring a quantity of a plurality of physical computing resources being used over a period of time. The method may also include normalizing each measured quantity of each physical computing resource being used. The method may also include summing the normalized measured quantities of the physical computing resources being used to generate a single usage value representative of the physical computing resources being used over the period of time.
    Type: Grant
    Filed: March 22, 2019
    Date of Patent: July 21, 2020
    Assignee: Carolina Cloud Exchange Inc.
    Inventors: Timothy A. Martin, Myron L. Stewart
  • Patent number: 10721237
    Abstract: A method for hierarchically processing LDAP (Lightweight Directory Access Protocol) operations against a SCIM (System for Cross-domain Identity Management) directory is provided. The method includes providing an LDAP Directory Information Tree (DIT) including a plurality of LDAP DIT entries that describe LDAP containers, users and groups, providing a SCIM directory including a plurality of SCIM resource entries that describe SCIM users and groups, migrating the plurality of LDAP DIT entries to the SCIM directory, receiving, from an LDAP-based application over a network, an LDAP operation request, processing the LDAP operation request, and returning an LDAP operation response to the LDAP-based application over the network.
    Type: Grant
    Filed: July 31, 2017
    Date of Patent: July 21, 2020
    Assignee: Oracle International Corporation
    Inventors: Kanika Vats, Rajesh Purushothaman
  • Patent number: 10715836
    Abstract: A method for managing video data in a storage system (10), the video data comprising frames, and a storage system (10) configured to perform the method are described. The storage system (10) comprises a first input (11) configured to receive (1) one or more frames for storage. A storage more frames unit (12) stores (2) the one or more frames, whereas a unique identifier generator (13) associates (3) a unique identifier to each of the one or more frames. The storage system (10) further comprises a processor (14) configured to generate (4) a modified frame by processing one or more frames or to receive a modified frame generated externally. The unique identifier generator (13) associates (5) a derived unique identifier to such a modified frame, which comprises references to the unique identifiers of the one or more processed frames.
    Type: Grant
    Filed: July 10, 2015
    Date of Patent: July 14, 2020
    Assignee: INTERDIGITAL CE PATENT HOLDINGS, SAS
    Inventor: Walter Arrighetti
  • Patent number: 10713715
    Abstract: A computing device and method for managing an account. A computer displays a historical timeline and an event placement timeline. Past events are shown along the historical timeline, and future events along the event placement timeline. The computer suggest a change to the timing of one of the events. The user moves a movable object to the proposed timing to reschedule the event. The settings of the account are modified to automatically execute that event at the new timing.
    Type: Grant
    Filed: August 15, 2019
    Date of Patent: July 14, 2020
    Assignee: The Toronto-Dominion Bank
    Inventors: Rajeev Kumar Gandhi, Robert Kyle Miller, Paul Mon-Wah Chan, John Jong Suk Lee, Rakesh Thomas Jethwa
  • Patent number: 10713681
    Abstract: Systems and methods for using wireless beacons in point of purchase (“POP”) displays to facilitate the delivery of consumer oriented content to mobile devices is disclosed herein. A wireless beacon may be used to transmit a wireless signal from a POP display, where the wireless signal includes a first data packet with a unique identifier for the wireless beacon. The wireless signal from the wireless beacon may be received by a mobile device. The mobile device may provide a second data packet to a remote server. The second data packet may include the unique identifier, a time stamp, and a geographic location of the mobile device. The remote server may retrieve retail locations associated with the promotional campaign and a selected time period associated with the POP display from a database coupled to the remote server. The remote server may associate the POP display with the selected retail location.
    Type: Grant
    Filed: August 26, 2016
    Date of Patent: July 14, 2020
    Assignee: ABL IP HOLDING, LLC
    Inventor: Charles Walden
  • Patent number: 10713637
    Abstract: A registration settlement apparatus comprises a first determination module that determines a commodity in response to an operation by a first operator; a second determination module that determines a commodity in response to an operation by a second operator; a determination control module that controls the first and second determination modules to enable either the first or the second determination module, and enables the second determination module in response to an instruction from the second operator while the first determination module is enabled within a registration period for one transaction; a creation module that creates a list of commodities determined as objects of the transaction within the registration period by the first or the second determination module enabled; and a settlement module that calculates a settlement amount based on the list created and performs settlement processing on the settlement amount in response to an operation by the first operator.
    Type: Grant
    Filed: July 12, 2019
    Date of Patent: July 14, 2020
    Assignee: TOSHIBA TEC KABUSHIKI KAISHA
    Inventors: Yuichi Ogawa, Takashi Muraoka
  • Patent number: 10706430
    Abstract: Provided herein are systems, methods and computer readable media for consumer monitor and tracking. An example method may include receiving client device ID and client device profile data, comparing client device ID and client device profile data to a plurality of known client device versions, generating an updated known client device version in an instance in which the client device ID correlates to at least one of the plurality of known client device versions and the client device profile data does not correlate to the at least one of the plurality of known client device versions and generating a new known client device version in an instance in which the client device ID does not correlate to at least one of the plurality of known client device versions.
    Type: Grant
    Filed: August 1, 2018
    Date of Patent: July 7, 2020
    Assignee: Groupon, Inc.
    Inventors: Jiaqi Guo, Michael Elizarov, Jim Breen, Selvam Velmurugan
  • Patent number: 10708373
    Abstract: One or more computing devices, systems, and/or methods for monitoring levels of activity of client devices using a cluster of servers having a decentralized network architecture are provided, where over-counting, which may be caused by an uneven distribution of requests transmitted by the client devices to the cluster of servers, may be mitigated. For example, a request may be received by a first server, of the cluster of servers, from a client device. A first counter value associated with a level of activity of the client device may be incremented by a first number. One or more data packets may be transmitted to one or more servers of the cluster of servers. Each data packet of the one or more data packets may comprise an instruction to increment a counter value associated with the client device by a second number, which may be different than the first number.
    Type: Grant
    Filed: November 9, 2018
    Date of Patent: July 7, 2020
    Assignee: Oath Inc.
    Inventors: Yucheng Xiong, Matti Juhani Oikarinen, Abhishek Kothari, Manika Mittal, Rohit Vijayakumar Athanikar, Saravanan Murugesan, Ravindra Lakkappa Dangar, Suresh Kumar Thiruvallur Loganathan
  • Patent number: 10706271
    Abstract: Photographic emoji communications systems and methods of use are provided herein. An example method receiving a plurality of image files from a user device, each of the image files including a selfie of the user; for each of the plurality of image files, determining a reaction emotion of an associated selfie based on facial attributes of the user; storing the plurality of image files in a repository, each of the plurality of image files being labeled with a respective reaction emotion as a selfiemoji; receiving a request to include one of the selfiemojis in a message; and inserting one of the selfiemojis into the message.
    Type: Grant
    Filed: April 4, 2018
    Date of Patent: July 7, 2020
    Inventors: Thomas Floyd Bryant, III, Henry Michael Pena
  • Patent number: 10706157
    Abstract: A server identifies a user device that is missing, communicates with the user device and causes the user device to disable access to content stored on the user device, and to generate a message that includes information facilitating return of the user device to an owner of the user device.
    Type: Grant
    Filed: July 10, 2018
    Date of Patent: July 7, 2020
    Assignee: Amazon Technologies, Inc.
    Inventors: Jonathan A. Jenkins, Joseph E. Fitzgerald, Hannah R. Lewbel
  • Patent number: 10699274
    Abstract: An apparatus and method for secure electronic payment are provided. The method includes authenticating a user of an electronic device executing a trusted payment application in a trusted execution environment of the electronic device, receiving credit card data from the user, generating credit card track data based on the received credit card data, and storing the credit card track data.
    Type: Grant
    Filed: July 27, 2016
    Date of Patent: June 30, 2020
    Assignee: Samsung Electronics Co., Ltd.
    Inventors: Pai Peng, Shyam Prasad, Bulent Kasman
  • Patent number: 10699066
    Abstract: A computer system associates one or more actions with an emoji. The computer system detects a selection of the emoji within an electronic communication by a user. In response to the detecting the selection of the emoji within the electronic communication, the computer system initiates performance of at least one action of the one or more actions based on determining that one or more contextual factors associated with the electronic communication satisfy a set of conditions associated with the at least one action.
    Type: Grant
    Filed: August 20, 2018
    Date of Patent: June 30, 2020
    Assignee: PayPal, Inc.
    Inventors: Raoul Johnson, Christopher Harkness
  • Patent number: 10699270
    Abstract: Embodiments are directed to a first token vault managed by a token service provider and a second token vault managed by a second entity. The first token vault is continuously synchronized with the second token vault in real-time. That is, the data in the second token vault is updated simultaneously with or immediately after the data in the first token vault is updated. In some embodiments, the first token vault may be a master token vault and the second token vault may be a mirror token vault. The mirror token vault may store the same information as the master token vault. Alternatively, the mirror token vault may store a subset of the information stored at the master token vault. In other embodiments, the information stored at the first token vault and the information stored at the second token vault may be mutually exclusive.
    Type: Grant
    Filed: August 11, 2017
    Date of Patent: June 30, 2020
    Assignee: Visa International Service Association
    Inventors: Andrew Carpenter, Paul Tait, Dan Kurland, Barbara Patterson
  • Patent number: 10692156
    Abstract: A payment system having a payer module and a requester module functionally coupled over a network and managed by an administration module that produces electronic substitute checks in response to instructions from the payer module. The payment system includes a risk management module that performs a risk management operation before the system produces an electronic substitute check.
    Type: Grant
    Filed: September 8, 2015
    Date of Patent: June 23, 2020
    Inventor: Thomas Skala
  • Patent number: 10694354
    Abstract: Embodiments herein disclose a method for identifying a unicast Device to Device (D2D) communication. Further, the method includes generating, by a source User Equipment (UE), a D2D Media Access Control (MAC) Protocol Data Unit (PDU) comprising a unicast parameter. Further, the method includes transmitting, by the source UE, the D2D MAC PDU to the destination UE. Further, the method includes receiving, by the destination UE, the D2D MAC PDU. Further, the method includes detecting, by the destination UE, one of unicast parameters and groupcast parameters of the D2D MAC PDU. Furthermore, the method includes identifying, by the UE, the D2D MAC PDU is for one of the unicast D2D communication when the unicast parameters are detected, and the groupcast D2D communication when the groupcast parameters are detected.
    Type: Grant
    Filed: February 25, 2016
    Date of Patent: June 23, 2020
    Assignee: Samsung Electronics Co., Ltd.
    Inventors: Anil Agiwal, Rajavelsamy Rajadurai
  • Patent number: 10692079
    Abstract: A method for facilitating a transaction with a one-time number includes: receiving a first transaction request, wherein the first transaction request includes a plurality of data elements including at least a first data element configured to store a zero transaction amount and a second data element configured to store a primary account number; parsing the primary account number stored in the second data element included in the received first transaction request; generating a one-time value, wherein the one-time value includes a predetermined number of digits and a subset of the predetermined number of digits is a reference to the processing server; storing a data entry comprised of at least the parsed primary account number and the generated one-time value; and transmitting the generated one-time value in response to the received first transaction request.
    Type: Grant
    Filed: January 24, 2018
    Date of Patent: June 23, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Harjender Singh, Patrik Smets, Philip Wei Ping Yen
  • Patent number: 10693898
    Abstract: A network connection between a server group of a data intake and query system and each of one or more source network nodes is established. The server group includes an indexer server and a model management server. Source data at the server group is received from at least one of the one or more source network nodes. A model management server detects data constraints for a security model. The data constraints include a data element used by the security model and an availability requirement set. Using the timestamped entries, the data constraints are validated to obtain a validation result. The model management server determines a data availability assessment of the security model based on the validation result. The data availability assessment of the security model is stored in computer storage.
    Type: Grant
    Filed: January 31, 2018
    Date of Patent: June 23, 2020
    Assignee: Splunk Inc.
    Inventors: Marios Iliofotou, Bo Lei, Essam Zaky, Karthik Kannan, George Apostolopoulos, Jeswanth Manikonda, Sitaram Venkatraman
  • Patent number: 10693658
    Abstract: A method and system are provided for transferring digital assets in a digital asset network. Network users can be centrally enrolled and screened for compliance. Standardized transfer processes and unique identifiers can provide a transparent and direct transfer process. Digital assets can include sufficient information for ensuring that a value will be provided, including one or more digital signatures, such that value can be made immediately available to recipients.
    Type: Grant
    Filed: October 3, 2016
    Date of Patent: June 23, 2020
    Assignee: Visa International Service Association
    Inventors: Mondo Jacobs, Ajith Thekadath, Lidia Daldoss, David Henstock
  • Patent number: 10692075
    Abstract: A terminal device can receive application for purchase from a user and comprises a prompter, a setter, and a payment processor. As application for purchase is made by a user, the prompter prompts the user to enable near field communication between a transportable device to be used for making a payment of an electronic value that is paid for a price and the portable terminal. As the near field communication between the transportable device and the portable terminal is enabled, the setter sets any of actions to the portable terminal that are detectable by the portable terminal. The prompter presents the set action for the user to perform. As performance of the presented action to the portable terminal is detected, the payment processor receives the payment of an electronic value from an account associated with the transportable device via the near field communication.
    Type: Grant
    Filed: August 16, 2017
    Date of Patent: June 23, 2020
    Assignee: Rakuten, Inc.
    Inventor: Kikumi Kai
  • Patent number: 10685341
    Abstract: A system can include one or more non-transitory computer-readable media storing computing instructions configured to run on one or more processors and perform certain acts. The acts can include receiving, at a back-end device of the system, a query from a user interface of a front-end device requesting two or more user identifications mapped to a same payment option of multiple payment options. The acts also can include distilling a subset of user identifications from among the multiple user identifications. Additionally, the acts can include identifying a first classification comprising a single user of the subset of user identifications. Further, the acts can include identifying a second classification comprising two or more first users of the subset of user identifications that are part of a same household. Other embodiments are disclosed.
    Type: Grant
    Filed: August 19, 2019
    Date of Patent: June 16, 2020
    Assignee: WALMART APOLLO, LLC
    Inventors: Afroza Ali, Kannan Achan, Ron Benson
  • Patent number: 10679194
    Abstract: Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous payment networks. A software-programmed computer circuit receives and processes electronic transaction data to identify and use electronic ID data to retrieve stored profile data. The computer circuit then uses the retrieved profile data to select one of a plurality of payment networks available to each of a buyer and seller involved in the transaction. Electronic payment is carried out using the selected payment networks.
    Type: Grant
    Filed: August 23, 2016
    Date of Patent: June 9, 2020
    Assignee: U.S. Bank National Association
    Inventor: Mark Dickelman
  • Patent number: 10679216
    Abstract: An online machine data collection and archiving process generates a machine data profile of a customer computer accessing a transaction form of a merchant web site and links the machine data profile and a transaction record with customer identifying information using a unique transaction identification string. The process preferably captures parameters typically communicated as a part of web accesses, such as an IP address, an HTTP header, and cookie information. The process additionally causes the customer computer to process self-identification routines by processing coding within the merchant transaction form, the self-identification routines yielding further profile parameters. The process further includes a routine for bypassing an intervening proxy to the merchant web site to reveal the true IP address of the customer computer.
    Type: Grant
    Filed: June 22, 2018
    Date of Patent: June 9, 2020
    Assignee: Kount Inc.
    Inventor: Timothy P. Barber
  • Patent number: 10673634
    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: December 28, 2018
    Date of Patent: June 2, 2020
    Assignee: tZERO Group, Inc.
    Inventors: Alec Wilkins, Eric Nathaniel Fish, Trent Norman Larson, Patrick M. Byrne
  • Patent number: 10673859
    Abstract: Implementations of the present disclosure relate to methods, systems, and computer program products for permission management. In one implementation, a computer-implemented method is disclosed. In the method, a permission score may be determined for a user in response to an operation requested to a target system by the user. Whether to permit the operation may be determined based on the permission score. Here, the permission score may be determined based on an identity component of the user and at least one of following components of the user: a state component, and an environment component. In other implementations, a computer-implemented system and a computer program product for permission management are disclosed.
    Type: Grant
    Filed: September 12, 2017
    Date of Patent: June 2, 2020
    Assignee: International Business Machines Corporation
    Inventor: Chun Lei Xu
  • Patent number: 10664812
    Abstract: There are provided systems and methods for software development kits for point-of-sale device and mobile device interactive frameworks. A service provider, such as a payment provider, that offers online and cloud based digital wallet services may configure flexible software frameworks for a merchant's point-of-sale device and a user's mobile device. A framework for a merchant's device may allow for user check-in with the merchant, and may utilize multiple different communication protocols to receive tenders and non-tenders from the user's mobile device. Thus, the user's mobile device may communicate with the merchant device to provide tokens that may be resolved by the merchant using the payment provider and/or a payment host to receive payment processing confirmation. Moreover, the frameworks may allow for a transaction to be synchronized to the user's mobile device so that the user may receive updates after processing of the tokens.
    Type: Grant
    Filed: June 30, 2016
    Date of Patent: May 26, 2020
    Assignee: PAYPAL, INC.
    Inventors: Prashant Jamkhedkar, Haoyu Xue, Jie Leng
  • Patent number: 10666503
    Abstract: Various embodiments of a network connection and termination system that provides managed network connection functionality to clients are described. In some embodiments, a network connection and termination system can enable service or application developers to un-bind a live network session from a specific backend server and migrate the live network session to a different backend server, without interrupting the network session and without network client cooperation. This is accomplished by a network connection manager being the actual endpoint for the network connections, instead of any backend resources. The network connection manager can be fault-tolerant. In some embodiments, it contains multiple nodes replicating the state of the network connections so that if one node fails, another can resume the connection in its place.
    Type: Grant
    Filed: September 27, 2018
    Date of Patent: May 26, 2020
    Assignee: Amazon Technologies, Inc.
    Inventor: Artem Kryvokrysenko
  • Patent number: 10664818
    Abstract: According to an embodiment, a check-out system includes a plurality of the payment apparatuses in communication with each other and with a registration apparatus. A payment processor processes a payment in accordance with received payment information and a customer input. A storage unit stores received payment information when the payment apparatus is available to process payment. A transmission unit of a payment apparatus transmits received payment information to another payment apparatus of the plurality of payment apparatuses when the payment apparatus is unavailable to currently process the received payment information.
    Type: Grant
    Filed: March 30, 2018
    Date of Patent: May 26, 2020
    Assignee: TOSHIBA TEC KABUSHIKI KAISHA
    Inventor: Shinya Namura
  • Patent number: 10664174
    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: November 8, 2018
    Date of Patent: May 26, 2020
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Kyle D. Kavanagh, José Antonio Acuña-Rohter, Viren Soni
  • Patent number: 10664817
    Abstract: According to an embodiment, a check-out system includes a plurality of the payment apparatuses in communication with each other and with a registration apparatus. A payment processor processes a payment in accordance with received payment information and a customer input. A storage unit stores received payment information when the payment apparatus is available to process payment. A transmission unit of a payment apparatus transmits received payment information to another payment apparatus of the plurality of payment apparatuses when the payment apparatus is unavailable to currently process the received payment information.
    Type: Grant
    Filed: March 30, 2018
    Date of Patent: May 26, 2020
    Assignee: TOSHIBA TEC KABUSHIKI KAISHA
    Inventor: Shinya Namura
  • Patent number: 10664823
    Abstract: A method is disclosed for storing an electronic gift card (eGC) on a portable electronic device. The method includes: receiving a request for a web page hosted by a prepaid instrument provider server, the request including a uniform resource locator (URL) associated with a selected eGC stored on the server; associating with the selected eGC a unique identification code and a URL link to the selected eGC; sending the web page with a user-interface control that, when selected, causes the selected eGC to be added to an electronic passbook on the portable electronic device; responsive to selection of the user-interface control, receiving the unique identification code associated with the selected eGC; responsive to receiving the unique identification code, creating an electronic passbook file for the selected eGC; and, communicating the electronic passbook file for adding as a representation of the selected eGC to the electronic passbook.
    Type: Grant
    Filed: June 30, 2015
    Date of Patent: May 26, 2020
    Assignee: CashStar, Inc.
    Inventors: Richardson Charles White, David D. Stone
  • Patent number: 10659382
    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: March 25, 2019
    Date of Patent: May 19, 2020
    Assignee: UATC, LLC
    Inventor: Matthew Shaw Wood
  • Patent number: 10649727
    Abstract: Systems and methods for wake word detection configuration are disclosed. An electronic device may be configured to detect a wake word in a user utterance based on one or more wake word models. Upon detection, wake word APIs may be utilized to determine if a speech-processing application associated with a remote speech-processing system is installed on the device. If installed, secondary wake word detection may be performed on the audio data representing the user utterance, and if the wake word is detected, the audio data may be sent to the remote system for processing. If not installed, a display of the electronic device may present options for downloading the speech-processing application.
    Type: Grant
    Filed: May 14, 2018
    Date of Patent: May 12, 2020
    Assignee: Amazon Technologies, Inc.
    Inventors: Michael Douglas, Deepak Suresh Yavagal
  • Patent number: 10649752
    Abstract: Sharing data among computing systems can include receiving, using a processor, a data transfer event indicating a transfer of a data file from a source system to a target system, querying, using the processor, the source system for an operating system executed by the source system and a file type of the data file, and querying, using the processor, the target system for an operating system executed by the target system. A target application can be determined using the processor. The target application is adapted for execution on the operating system executed by the target system and is adapted for operating on the file type. Installation of the target application on the target system can be initiated. Further, transfer of the data file from the source system to the target system can be initiated using the processor.
    Type: Grant
    Filed: September 28, 2016
    Date of Patent: May 12, 2020
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Alexander Cook, David M. Koster, Jason A. Nikolai, Joseph C. Schmidt
  • Patent number: 10652223
    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: August 7, 2018
    Date of Patent: May 12, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Thomas Hayes, Joon Maeng, Ramanathan Ramanathan
  • Patent number: 10650395
    Abstract: The disclosed embodiments include methods and systems for providing social discovery service operations. In one embodiment, a system for providing a social discovery service is disclosed. The system may be configured to receive transaction data relating to one or more purchase transactions involving one or more merchants and one or more consumers. The system may also be configured to receive product data identifying one or more products included in the one or more purchase transactions. The system may also receive location data associated with the one or more purchase transactions. Based on the transaction data, location data, and the product data, the system may be configured to generate one or more social discovery graphs. Further, the system may be configured to perform one or more social discovery operations based on the one or more social discovery graphs.
    Type: Grant
    Filed: March 12, 2019
    Date of Patent: May 12, 2020
    Assignee: Capital One Services, LLC
    Inventors: Hannes M. Jouhikainen, Luke A. Hammock, Janusz M. Niczyporuk
  • Patent number: 10650398
    Abstract: Communication systems and methods to transmit data among a plurality of computing systems in processing benefit redemption, including a portal configured to communicate with transaction terminals, reward hosts and issues processors. In response to a reward balance inquiry from a transaction terminal, the portal communicates with a respective reward host to obtain the balance, communicates with an issuer processor to obtain a one-time use account number, and provides the transaction terminal with the balance and the account number. The transaction terminal an authorization request for a payment transaction made using the account number. In response to the authorization request being received in the issuer processor, the portal communicates with the issuer processor to identify the payment transaction and communicates with the reward host to perform a reward redemption to support the payment transaction.
    Type: Grant
    Filed: June 12, 2015
    Date of Patent: May 12, 2020
    Assignee: Visa International Service Association
    Inventors: Nancy L. Kim, Diane C. Salmon, Mary Theresa Taylor, Jocelyn G. Maniulit
  • Patent number: 10650389
    Abstract: Persistent, electronically anchored currency notes (PEAC notes) may be generated by a transaction provider and maintained in a datastore. Each PEAC note may be associated with a respective unique identifier and asset held by a custodian. The transaction provider may provide for assigning ownership of the PEAC notes to various entities and/or transferring ownership therebetween. Ownership transfers may be performed by the transaction provider while maintaining the PEAC notes in the datastore and/or maintaining the asset(s) associated therewith with their respective custodian(s). A PEAC note may be tied to one or more usage conditions, which restrict transfers thereof. The usage conditions may be removed when release conditions are satisfied.
    Type: Grant
    Filed: July 28, 2017
    Date of Patent: May 12, 2020
    Assignee: CAPITALWILL LLC
    Inventor: Bradley Wilkes
  • Patent number: 10650362
    Abstract: A payment bill query request initiated by a user through a third-party payment platform is obtained at a payment platform server. Whether a payment institution has generated a payment bill for the user is determined based on the payment bill query request, where the payment institution does not provide the third-party payment platform with bill generation information. If so, user information associated with the user is obtained by the payment platform server and based on the payment bill. Whether information for notification that the payment institution has generated the payment bill for the user has been pushed to the region that the user belongs to is determined. If not, the information for notification that the payment institution has generated a payment bill is pushed to each user associated with the third-party payment platform within the region that the user belongs to through an account of the third-party payment platform.
    Type: Grant
    Filed: April 15, 2019
    Date of Patent: May 12, 2020
    Assignee: Alibaba Group Holding Limited
    Inventors: Wenjun Gu, Qin Zhu
  • Patent number: 10643420
    Abstract: Various embodiments for contextual tapping engines. For example, an application executing on a computing device may authenticate credentials associated with an account and detect a tap of a contactless card to the computing device. The application may receive, from a communications interface of the contactless card, action data used to determine an action associated with the tap of the contactless card to the computing device. The application may determine a context of the application based on a current output of the application. The application may determine, based on the action data, the determined context, and data associated with the account, a first action associated with the tap of the contactless card to the computing device, the first action associated with at least one of the application and an operating system (OS). The application may initiate performance of the first action based on the tap of the contactless card.
    Type: Grant
    Filed: March 20, 2019
    Date of Patent: May 5, 2020
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Daniel Herrington, Colin Hart, Melissa Yoemans Heng
  • Patent number: 10643257
    Abstract: The present disclosure is directed toward systems and methods for customizing an electronic communication to include an option to make an online donation to a charitable cause, based on evaluating donation histories, and providing the customized communication to one or more recipients. The systems and methods described herein further customize electronic communications for multiple recipients such that the systems and methods provide each recipient with an option to contribute that is based on the individual donation history of the recipient.
    Type: Grant
    Filed: December 7, 2016
    Date of Patent: May 5, 2020
    Assignee: FACEBOOK, INC.
    Inventors: Jonjo Twist, Nathan Ackerman, John Lawrence Connuck, Lisa Jones
  • Patent number: 10640209
    Abstract: A flying sensor comprising an unmanned aerial vehicle (UAV) and at least one profiler mounted on the UAV, the profiler comprising a base, a scanning unit for providing (LiDAR) data, the scanning unit mounted on the base and comprising a shaft carrying a deflector and being mounted in the scanning unit and rotatable, a transmitter transmitting a transmission beam, a first receiver configured for receiving a first reception beam reflected from the setting via the deflector, and an electric port configured for connecting the profiler to the UAV, and comprising a data interface and a power interface, and wherein the UAV comprises a visual sensor providing visual data, and comprising one or more cameras, a pose sensor for providing pose data, and a computer to compute a 3D point cloud based on the LiDar data and a Simultaneous Localisation and Mapping (SLAM) algorithm using the visual and pose data.
    Type: Grant
    Filed: October 8, 2017
    Date of Patent: May 5, 2020
    Assignee: LEICA GEOSYSTEMS AG
    Inventors: Burkhard Böckem, Jürgen Dold, Simon Mark
  • Patent number: 10637644
    Abstract: In the disclosed transaction processing system, members of an authorized network of consumers and merchants manage account information using blockchain ledgers. Because both consumers and merchants maintain copies of the blockchain, for any consumer/merchant transaction, both entities can quickly validate the transaction because both are aware, via their blockchain entries, of the current status of the account sourcing the transaction, allowing fast and accurate transaction validation without the need to incur the processing charges inherent in traditional fiat currency credit transactions.
    Type: Grant
    Filed: December 21, 2018
    Date of Patent: April 28, 2020
    Assignee: Capital One Services, LLC
    Inventors: Austin Grant Walters, Reza Farivar, Jeremy Edward Goodsitt
  • Patent number: 10636096
    Abstract: A system for dynamic generation of an electronic identification card based on real-time policy information is provided. The system includes a processing device and a memory device. The memory device stores instructions that when executed by the processing device may result in receiving a request for an electronic identification card. The system then selects a policy specific to the user based on an electronic device being associated with the user and retrieves policy information of the policy specific to the user in response to the receiving of the request for the electronic identification card and to the selecting of the policy specific to the user. The system then compiles the electronic identification card that includes policy element fields, each policy element field presenting dynamic data elements specific to the user based on the policy information, and outputs to the electronic device associated with the user the electronic identification card.
    Type: Grant
    Filed: April 8, 2016
    Date of Patent: April 28, 2020
    Assignee: THE TRAVELERS INDEMNITY COMPANY
    Inventors: Jeffrey F. Carlson, Flinn Mueller, Michal W. Sterzycki
  • Patent number: RE48055
    Abstract: Provided are a method and apparatus for providing and using content advisory (CA) information on Internet contents. A method of providing CA information by using a CA information server, includes receiving a request for the CA information on a content, from an Internet Protocol television (IPTV); searching for CA information on the content; and transmitting the found CA information to the IPTV. A method of using CA information when an IPTV reproduces a content not having the CA information, according to the present invention, includes transmitting a request for CA information, to a CA information server; receiving the CA information from the CA information server; analyzing the CA information; and applying the CA information.
    Type: Grant
    Filed: July 22, 2015
    Date of Patent: June 16, 2020
    Assignee: SAMSUNG ELECTRONICS CO., LTD.
    Inventors: Jung-shin Park, Kwang-hyuk Kim, Sung-wook Ahn, Sung-wook Byun, Sang-woong Lee, Eun-Hee Rhim, O-hoon Kwon, Sung-jin Park, In-chul Hwang, Mun-jo Kim