Including Funds Transfer Or Credit Transaction Patents (Class 705/39)
  • Patent number: 9978199
    Abstract: Methods and systems are provided for processing a transaction between a first party and a second party. Information defining terms of the transaction and identifying a presentation instrument are received at a host system. Preference information associated with the presentation instrument is retrieved with the host system. The preference information specifies terms for an allocation of transaction amounts among multiple transaction types. An amount for the transaction is allocated among the transaction types in accordance with terms of the transaction and the terms for the allocation.
    Type: Grant
    Filed: March 21, 2012
    Date of Patent: May 22, 2018
    Assignee: First Data Corporation
    Inventors: SuZanne Rogers, Timothy Horton, Gary J. Trainor
  • Patent number: 9980083
    Abstract: A peripheral device is provided, which can be coupled detachably with a communications terminal. The device includes at least one connector cooperating, when the peripheral device is coupled with the terminal, with at least one complementary connector on the terminal so as to form a wired communications link between the peripheral device and the terminal. The device has a first wireless communications module capable of communicating with a second wireless communications module on the communications terminal when the wireless communications modules are paired with each other; a reception module to receive an identifier of the communications terminal via the wired communications link; a generating module to generate a pairing code in response to the received identifier; and a transmission module to transmit the pairing code to the communications terminal via the wired communications link so as to configure a pairing between the first and second wireless communications modules.
    Type: Grant
    Filed: October 5, 2016
    Date of Patent: May 22, 2018
    Assignee: INGENICO INC.
    Inventor: Christopher Rotsaert
  • Patent number: 9978062
    Abstract: Embodiments of the present invention relate to systems and methods for implementing a mobile tokenization hub with a common tokenization capabilities (CTC) module that may provide tokenization for various entities in various contexts. For example, the CTC module can provide and store tokens for mobile payment transactions, transit transactions, digital wallet applications, merchant point of sale (POS) applications, personalization services, and the like.
    Type: Grant
    Filed: May 15, 2014
    Date of Patent: May 22, 2018
    Assignee: Visa International Service Association
    Inventors: Thanigaivel Ashwin Raj, Christian Flurscheim, Kaushik Subramanian, Bradley Greene, Prasanna Laxminarayanan
  • Patent number: 9972016
    Abstract: Systems and methods for automated interpretation of legal regulations are described. The described systems implement a method that includes receiving a plurality of legal regulations and deconstructing the plurality of legal regulations based on at least one of a regulatory rule model and Minsky's frames to form a computer interpretable regulation repository. The method also includes identifying rule intents applicable to each of the deconstructed plurality of legal regulations; and classifying the plurality of legal regulations into at least one rule act based at least on the identified rule intents.
    Type: Grant
    Filed: November 21, 2014
    Date of Patent: May 15, 2018
    Assignee: Tata Consultancy Services Limited
    Inventors: Smita Ghaisas, Manish Motwani, Preethu Rose Anish, Balaji Balasubramaniam, Aarthy Krishnamurthy
  • Patent number: 9965792
    Abstract: A system and method are disclosed automating the provision of social media product recommendations in an electronic commerce environment. A search engine submits a request for product-related content, such as a product page, to a merchant web server. In turn, the merchant web server submits a server-side request to a search engine optimization (SEO) application programming interface (API) for processing. In response, the SEO API returns Picks markup content that is associated with the requested product-related content. The merchant web server then combines the requested product-related content with the returned Picks markup content to generate a product page. The product page, which includes the dynamically injected Picks markup content, is then returned to the search engine where it is indexed.
    Type: Grant
    Filed: May 10, 2013
    Date of Patent: May 8, 2018
    Assignee: Dell Products L.P.
    Inventor: Rodney T. Whisnant
  • Patent number: 9959704
    Abstract: An electronic wagering system may have a player input system, a game processor and a random outcome wagering event system in communication with the game processor. The electronic wagering system receives wagers on a wagering event generating a random outcome event that is used to determine outcomes on received wagers. The processor accounts for wagers placed, credits entered, wagers lost and wagers won and credit status. When the gaming system does not require a contribution to a non-gaming institution, the player input system must contain a specific control that enables a player to input instructions on each of or at least one of recipient(s) of a charitable contribution, amount of contribution from either credit status or directly from winnings before being contributed to the credit status.
    Type: Grant
    Filed: November 23, 2014
    Date of Patent: May 1, 2018
    Inventors: Joze Pececnik, Aljosa Krupenko, Jamie Abrahamson
  • Patent number: 9959559
    Abstract: In various exemplary embodiments, a system and associated method for prioritizing search results in an electronic environment is disclosed. The system comprises a communications module to receive a search query from a searching party located in a geographic region and a search engine to conduct a search and generate search results. A query engine identifies the geographic region of the searching party and identifies a language associated with the identified geographic region of the searching party based on the identified geographic region of the searching party. The search results are prioritized based on the identified language.
    Type: Grant
    Filed: January 31, 2014
    Date of Patent: May 1, 2018
    Assignee: eBay Inc.
    Inventor: Frederic Billou
  • Patent number: 9959540
    Abstract: There are provided systems and methods for security authentication using payment card display devices at accepted merchant location. A user may be walking near or visiting a merchant location with a wireless smart payment card which may connect to a wireless beacon at the merchant location. The user's payment card may communicate issuer and type of payment card data when connected with the wireless beacon. The beacon may communicate the user's payment card data to a merchant device or server. The merchant device or server may compare user's payment card data to merchant's accepted payment sources. The merchant device or server may alert user's payment card via communication through the wireless beacon, the payment card is accepted at the merchant location. Additionally, security identification and/or advertisements may be communicated to the user's accepted payment card.
    Type: Grant
    Filed: May 22, 2015
    Date of Patent: May 1, 2018
    Assignee: PayPal, Inc.
    Inventor: Michael Charles Todasco
  • Patent number: 9953313
    Abstract: A method for generating and distributing a plurality of financial child products to a group of recipients that can then be used for payment transactions by each recipient. The method includes receiving a selection of a core account that provides financial backing for the financial child products, and receiving a list of recipients that defines the group of recipients to which the financial child products are distributed. The method further includes generating the financial child products, where each financial child product is structured with one or more control parameters that define user restrictions for the financial child product, and causing the financial child products to be distributed to at least one recipient included in the list of recipients.
    Type: Grant
    Filed: September 21, 2010
    Date of Patent: April 24, 2018
    Assignee: VERIENT, INC.
    Inventor: Rajesh G. Shakkarwar
  • Patent number: 9953367
    Abstract: The disclosed embodiments include methods and systems for providing account and event status notifications. The disclosed embodiments include, for example, a device including a memory storing software instructions and one or more processors configured to execute the software instructions to perform operations. In one aspect, the operations may include obtaining information identifying an event and a deadline specified by a user. The obtained information may link the event and deadline to corresponding user-specified temporal intervals. The operations may also include determining whether a current date falls within a time period prior to the deadline, the time period being established by the first temporal interval. When the current date falls within the time period, the operations may generate first notification information that, when presented via a client device in accordance with a user-specified indicator type, notified the user that the current sate falls within the first time period.
    Type: Grant
    Filed: January 5, 2015
    Date of Patent: April 24, 2018
    Assignee: The Toronto-Dominion Bank
    Inventors: Orin Del Vecchio, Nigel Lall, Paul Mon-Wah Chan, Jonathan K. Barnett, Garima Aggarwal
  • Patent number: 9947013
    Abstract: Techniques for secure mobile payment are provided. A credit or gift card is registered for additional security, such that a secure identifier or personal identification number (PIN) is required for use of the credit or gift card. Registration is not required or even known by the third-party payment service associated with the card. Subsequently, when a consumer attempts to use the card and before payment instructions are sent to the corresponding third-party payment service, the secure identifier or PIN is requested and verified. If properly verified, the payment instructions are forwarded for processing by the third-party payment service.
    Type: Grant
    Filed: July 31, 2013
    Date of Patent: April 17, 2018
    Assignee: NCR Corporation
    Inventors: Steven Jarrett Giera, Joel Aaron Miller
  • Patent number: 9946999
    Abstract: An approach is provided for indirectly connecting a customer's mobile smart device to a point of sale computer located at a business when the customer is making a purchase at the business. The customer's mobile smart device and the POS computer communicate over the Internet with a customer interaction manager executing on an Internet server. This provides an easy to use interface for the customer and allows the customer to receive information and send requests to the business without having to wait for personnel working at the business to be available.
    Type: Grant
    Filed: November 30, 2012
    Date of Patent: April 17, 2018
    Assignee: NCR Corporation
    Inventors: Taylor Drake Morgan, Azhar Bande-ali, Brett S. Taylor, Charles Howard Mallory, Curtis Patrick Quinn Evans, James Lee Fortuna, David Allen Turner
  • Patent number: 9940619
    Abstract: A system for and methods of processing non-traditional payment transactions on a traditional payment network is disclosed. More specifically, a payments system includes one or more payment program managers (PPMs), which are the providers of alternative payment products, in combination with one or more payment program processors (PPPs), which serve as processors for the PPMs. The PPMs and PPPs operate on a payment network, such as a traditional payment network. The payments system includes the utilization of traditional bank identification numbers (BINS) in order to process non-traditional transactions on a traditional payment network. Surrogate numbers are issued on BIN ranges to the non-traditional transactions in order to process them on the traditional payment network. Additionally, the payments system includes pricing structures that are associated with alternative payment products.
    Type: Grant
    Filed: July 13, 2010
    Date of Patent: April 10, 2018
    Assignee: DFS Services LLC
    Inventors: Farhan Ahmad, Meeri Siljamaki
  • Patent number: 9940615
    Abstract: A computer receives card transaction data in response to a transaction using a financial services card. The card transaction data identifies at least a location, date, and time associated with the transaction. Upon receiving the card transaction data, the computer compares the card transaction data with telematics information associated with a vehicle equipped with a telematics device. The telematics information identifies at least a location of the vehicle, and a time and date associated with the location of the vehicle. On the basis of the comparison, the computer determines if the location of the transaction substantially matches the location of the vehicle at the time and date of transaction. Responsive to determining a substantial match, the computer associates the financial services card with the vehicle.
    Type: Grant
    Filed: September 23, 2014
    Date of Patent: April 10, 2018
    Assignee: Fleetcor Technologies Operating Company, LLC
    Inventor: Max L. Johnson, Jr.
  • Patent number: 9937811
    Abstract: A vehicle system has a first communication device configured to selectively associate with a second communication device of a premise system based on a location of the vehicle with respect to the premise system and a vehicle identification. A charging control system is configured to permit charging of the vehicle in response to the selective association between the first and second communication devices.
    Type: Grant
    Filed: July 19, 2013
    Date of Patent: April 10, 2018
    Assignee: Ford Global Technologies, LLC
    Inventor: Benjamin A. Tabatowski-Bush
  • Patent number: 9928506
    Abstract: The DYNAMIC CHECKOUT BUTTON APPARATUSES, METHODS AND SYSTEMS (“DCB”) transforms product page checkout request input and user identification input via DCB components such as offer/discount determination component and checkout button embedding component, into dynamic checkout button outputs.
    Type: Grant
    Filed: July 6, 2015
    Date of Patent: March 27, 2018
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Aparna Krishnan Girish
  • Patent number: 9928510
    Abstract: An apparatus and system for casting votes electronically comprises both a host server and a plurality of voting machines at various remote locations. First “user identifying information” for a plurality of potential users who are registered to use the system is pre-stored in memory, either at the host server or at a voting machine, or both. Second “user identifying information” is entered by a user of the voting machine at the time the user wishes to vote. A display on the voting machine presents to the user voting information concerning at least one voting matter for which the user is to make a voting selection. A processor in either the host server or the voting machine, or both, compares the second user identifying information entered by the user of the voting machine with the first user identifying information, if any, previously stored in memory.
    Type: Grant
    Filed: March 1, 2010
    Date of Patent: March 27, 2018
    Inventor: Jeffrey A. Matos
  • Patent number: 9928547
    Abstract: The disclosed embodiments include methods and systems for providing account and event status notifications. The disclosed embodiments include, for example, a communications device including a memory storing software instructions and one or more processors configured to execute the software instructions to perform operations. In one aspect, the operations may include receive a notification of a status of an account parameter. The operations may also include identifying a device eligible to access the notification in accordance with a user-specified data restriction, and identifying at least a portion of the notification that is consistent with the data restriction. The communications device provide the identified portion of the notification to the eligible device without receiving input from the user, and the eligible device may present at least one of a visual, audible, or tactile indicator of the status of the account parameter.
    Type: Grant
    Filed: January 5, 2015
    Date of Patent: March 27, 2018
    Assignee: The Toronto-Dominion Bank
    Inventors: Orin Del Vecchio, Nigel Lall, Paul Mon-Wah Chan, Jonathan K. Barnett, Garima Aggarwal
  • Patent number: 9928268
    Abstract: A method is provided for verifying the contents of forms, comprising: receiving a dataset from a client, the dataset associated with a transaction; transmitting the dataset to a document vendor to be entered into and complete a transaction document form; receiving the completed transaction document form from the document vendor; generating a code uniquely associating the completed document with the dataset; printing the code onto the completed document; transmitting the completed document to the client; after the document has been executed, receiving the executed document from the client and separately the current dataset; using the code on the executed document, retrieving the stored transaction dataset; comparing the stored dataset with the dataset separately delivered as the current dataset; identifying all inconsistencies between the two datasets and storing these results as separate data; and transmitting a message to the client with the result of the comparison.
    Type: Grant
    Filed: July 10, 2015
    Date of Patent: March 27, 2018
    Inventors: Mark Besch, John Hale, Randall Broyles
  • Patent number: 9922319
    Abstract: A seller's workload of managing credit card information can be reduced without changing convenience for an orderer and the seller in a transaction using a credit card. A virtual mall server (3) and a credit card server (5) share conversion information for obtaining, from actual data of the credit card, corresponding dummy data of the credit card. The virtual mall server (3) obtains, based on the conversion information, the corresponding dummy data from the actual data of the credit card to be used for a settlement of the order information, and sends the obtained dummy data to a shop terminal as data of the credit card to be used for the settlement of the order information.
    Type: Grant
    Filed: May 29, 2012
    Date of Patent: March 20, 2018
    Assignee: RAKUTEN, INC.
    Inventor: Yoshinori Kobayashi
  • Patent number: 9922326
    Abstract: Method for processing a transaction, the method comprising automatically requesting a transfer from a source account to a destination account via a communication link, receiving the transfer, adjusting destination account data associated with the destination account by increasing a balance of the destination account by an amount of the transfer, receiving transaction data from a merchant indicating an attempted transaction, the transaction data including a transaction amount and data identifying the destination account, and processing the attempted transaction.
    Type: Grant
    Filed: June 30, 2005
    Date of Patent: March 20, 2018
    Assignee: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Robert Minter Alexander, IV, Charles Aaron Rosenblatt, Daniel R O'Malley, Scott David Grimes
  • Patent number: 9924551
    Abstract: The present invention relates to a wireless communication system. More particularly, the present invention relates to a method for transmitting, if an advertiser device is set to delay a session with respect to the request for a session from a seeker device, session delay information to the seeker device in a method for setting Wi-Fi direct service communication and to an apparatus therefor.
    Type: Grant
    Filed: November 8, 2013
    Date of Patent: March 20, 2018
    Assignee: LG ELECTRONICS INC.
    Inventors: Wookbong Lee, Byungjoo Lee, Jinho Kim, Dongcheol Kim, Hangyu Cho
  • Patent number: 9916575
    Abstract: A method for wireless communication is described. The method includes using a routing table for multiple secure elements. The routing table assigns a preferred secure element for a transaction type. The method also includes selecting a first secure element for a transaction based on the routing table. The method further includes updating the routing table based on a received command to use a second secure element to complete the transaction.
    Type: Grant
    Filed: January 12, 2015
    Date of Patent: March 13, 2018
    Assignee: QUALCOMM Incorporated
    Inventors: Alberto Jose Salcedo, Ashish Banthia, Jeremy O'Donoghue
  • Patent number: 9909889
    Abstract: A method whereby a mobile fuel station may refuel vehicles is disclosed. Fuel reservoirs are provided in a mobile fuel station that may store fuel and dispense fuel through a hybrid fuel line. Fuel nozzles are provided which can be detachably connected to the hybrid fuel line and can measure and display fuel dispensed from the mobile fuel station. Communication devices and a network are provided that allow a vehicle and a mobile fuel station to communicate location and status information wirelessly with the network. The network uses vehicle location data to create an optimized fueling path and predict vehicle refueling locations. A prepay deposit account or other automatic payment services that allow refueling and maintenance services to be provided at a user's convenience are also disclosed and claimed herein.
    Type: Grant
    Filed: June 21, 2016
    Date of Patent: March 6, 2018
    Inventors: David R. Hall, Stephen Hall, Joe Fox, Haley Lott, Eric Magleby
  • Patent number: 9904921
    Abstract: A computer-implemented method for tokenless authentication of a paying consumer during a payment transaction uses a computing device having a processor and a memory. The method includes receiving a plurality of biometric data sets for a plurality of consumers. Each biometric data set includes at least a biometric image of a consumer and an associated payment account identifier. The method also includes receiving, from a first biometric input device communicatively coupled to the processor, a first biometric image of the paying consumer including an iris image. The method further includes determining a payment account associated with the paying consumer based on at least the first biometric image and the plurality of biometric data sets. The method also includes authenticating use of the payment account by the paying consumer for a payment transaction at the retail location by comparing the first biometric image to the plurality of biometric data sets.
    Type: Grant
    Filed: October 29, 2013
    Date of Patent: February 27, 2018
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Debashis Ghosh, Randy Shuken, Mary Elizabeth Lesbirel
  • Patent number: 9904918
    Abstract: A mobile terminal and a control method therefor are disclosed. The mobile terminal and the control method therefor of the present invention can: broadcast, to at least one external electronic device, advertising data and a signal for requesting the activation of a second layer included in a communication unit of the at least one external electronic device through a first layer related to low-power near field communication technology; pair with a specific electronic device through a second layer related to specific near field communication technology distinguished from the low-power near field communication technology, if a response to the activation request is received from the specific electronic device among the at least one external electronic device; and transmit data to the paired specific electronic device.
    Type: Grant
    Filed: October 20, 2014
    Date of Patent: February 27, 2018
    Assignee: LG ELECTRONICS INC.
    Inventors: Hoon Jo, Gunmin Lee, Kangwon Seo, Sukwon Kim, Younghun Nam, Younghyun Kwon
  • Patent number: 9904924
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for transferring money using email. One of the methods includes receiving, at a user device, user input of a request to transfer a payment amount from a recipient account with a payment service system to a sender account of a sender with the payment service system. A draft email message is generated, the message having content identifying the requested payment amount, the draft email message including a confirmation link to a network resource associated with the payment service system, wherein upon receiving an indication that the recipient selected the confirmation link, the payment service system identifies a sender account of the sender and a recipient account of the recipient and initiates a transfer of the requested payment amount from the recipient account to the sender account.
    Type: Grant
    Filed: August 9, 2017
    Date of Patent: February 27, 2018
    Assignee: Square, Inc.
    Inventors: Jack Dorsey, Jesse Wilson, Brian Grassadonia
  • Patent number: 9906652
    Abstract: In accordance with certain embodiments, disclosed herein is a method for shifting charges. The method includes receiving a request for a communication session between at least two endpoints. The request comprises a charging preference that indicates a request for a shift in at least a portion of the charges associated with the communication session. The method further includes transmitting a message to a charging system indicative of the request for the shift in charges based on the charging preference. The method additionally includes determining whether to establish the communication session between the at least two endpoints or to reject the communication session between the at least two endpoints. The method also includes, based on the determination, facilitating in the establishment of the communication session or the rejection of the communication session.
    Type: Grant
    Filed: September 17, 2015
    Date of Patent: February 27, 2018
    Assignee: Telefonaktiebolaget LM Ericsson (Publ)
    Inventors: Ester Gonzalez de Langarica, Jerker Zetterlund, Afshin Abtin, Nils Hänström
  • Patent number: 9898879
    Abstract: The invention utilize an inventive device being a small, portable, handheld self-contained operating unit for reading your private information (as smart card) and all your private biometric data (as from fingerprints, voice, eye-iris, face shape readers) to help you mixed together with its unique readable production series number to secure a special coded startup of all your private equipment and help you to connect safely to your bank account, your data storage on the clouds, your government files etc. The devise may also provide you with this unique safe series number mixed cryptic verification of your own identity to open your own home, your office, your car, your equipment, your bike, your boat, your MC and all your other digital locks.
    Type: Grant
    Filed: July 30, 2013
    Date of Patent: February 20, 2018
    Assignee: EKA A/S
    Inventor: Harald Marthinussen
  • Patent number: 9892409
    Abstract: A method of facilitating the exchange of data between a user having a computing device, and a remote entity, where a first connection has been established between the user and the remote entity, and where the user has associated data exchange information with an application on the computing device, the data exchange information defining properties of the data to be exchanged between the user and the remote entity.
    Type: Grant
    Filed: June 20, 2017
    Date of Patent: February 13, 2018
    Assignee: Eckoh UK Limited
    Inventors: Cameron Peter Sutherland Ross, James Heath, Thomas Edward Briden, Ashley Burton, Paul Downs
  • Patent number: 9892400
    Abstract: Technology is disclosed for generating and sending invitations to recipients who have not enrolled in or associated with a convenient money transfer service that does not require any account login and/or creation activities. The disclosed technology enables a sender to transfer a specified amount of currency to one or more recipients through a payment application. The system verifies, based on the sender's existing contact information, whether the recipients have existing accounts associated with the payment application. The system then generates an invitation list. The system relies on the invitation list to send invitations to those recipients who haven't been associated with the payment application to download the payment application, enroll in payment service associated with the payment application, and/or associate their payment information with the payment application.
    Type: Grant
    Filed: February 10, 2015
    Date of Patent: February 13, 2018
    Assignee: Square, Inc.
    Inventor: Brian Grassadonia
  • Patent number: 9892455
    Abstract: Methods for enriching the searchability of a transaction are provided. Methods may include receiving a raw transactional data feed at a preference rules engine. The raw transactional data feed may be associated with a transaction. Methods may include transmitting a request, from the preference rules engine to a data warehouse, for enriched transaction detail associated with a transaction identification number. The transaction identification number may be associated with the transaction. The request may include the transaction identification number. Methods may include receiving, at the preference rules engine, the transaction identification number with enriched transaction detail from the data warehouse. Methods may include appending, at the preference rules engine, the enriched transaction detail to the raw transactional data feed, thereby creating a revised transaction. Methods may include transmitting the revised transaction to a database.
    Type: Grant
    Filed: November 4, 2014
    Date of Patent: February 13, 2018
    Assignee: Bank of America Corporation
    Inventors: Nathaniel B. Marocco, John E. Scully, Catherine A. Worth, Brian T. Pack
  • Patent number: 9892410
    Abstract: Pre-paid negotiable instruments are issued in response to a request at a host system from the holder of a stored-value account. The request is made through an IVR system or a web interface, and the host allocates funds from the account and provides a balance remaining after the negotiable instrument is issued. The instrument is printed with a transaction number or other identifier at an issuing system, and is then sent to the account holder. The account holder activates the instrument after receipt. The payee receives the instrument and authorizes the instrument by providing the transaction number or identifier to the host. When authorized, payment is guaranteed to the payee from the issuer.
    Type: Grant
    Filed: December 10, 2015
    Date of Patent: February 13, 2018
    Assignee: First Data Corporation
    Inventor: Felix Weitzman
  • Patent number: 9881297
    Abstract: Systems, methods, processes, computer program code and means for conducting a payment transaction are provided which include activating a payment application of a mobile device, generating, using the payment application, an optical image representing payment account information associated with the payment application, said payment account information including at least one of a payment account number, an expiry date of the payment account number, and a dynamic verification code generated by the payment application; and presenting the optical image to a merchant transaction terminal for scanning to conduct the payment transaction.
    Type: Grant
    Filed: June 1, 2009
    Date of Patent: January 30, 2018
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Arthur D. Kranzley, John R. Wankmueller
  • Patent number: 9882918
    Abstract: A method, system and computer-usable medium are disclosed for generating a cyber behavior profile, comprising: monitoring user interactions between a user and an information handling system; converting the user interactions and the information about the user into electronic information representing the user interactions; generating a unique cyber behavior profile based upon the electronic information representing the user interactions and the information about the user; and, storing information relating to the unique cyber behavior profile in a behavior blockchain.
    Type: Grant
    Filed: September 29, 2017
    Date of Patent: January 30, 2018
    Assignee: Forcepoint, LLC
    Inventors: Richard Anthony Ford, Brandon L. Swafford, Christopher Brian Shirey, Matthew P. Moynahan, Richard Heath Thompson
  • Patent number: 9875510
    Abstract: The disclosure describes a peer-to-peer consensus system and method for achieving consensus in tracking transferrable digital objects. The system achieves consensus on a shared ledger between a plurality of peers and prevents double spending in light of network latency, data corruption and intentional manipulation of the system. Consensus is achieved and double spending is prevented via the use of the most committed stake metric to choose a single consensus transaction record. A trustable record is also facilitated by allowing stakeholders to elect a set of trusted non-colluding parties to cooperatively add transactions to the consensus record. The voting mechanism is a real-time auditable stake weighted approval voting mechanism. This voting mechanism has far reaching applications such as vote directed capital and providing a trusted source for data input into a digital consensus system. The system further enables digital assets that track the value of conventional assets with low counterparty risk.
    Type: Grant
    Filed: May 7, 2015
    Date of Patent: January 23, 2018
    Inventor: Lance Kasper
  • Patent number: 9864672
    Abstract: Visualizing execution of an application in a trace coverage graph includes receiving module trace data gathered during execution of an executable module. The module trace data includes data representing sequences of execution between individual executable components. A trace coverage graph is generated and displayed from the module trace data. The trace coverage graph includes graph nodes that each correspond to a different executable component. The trace coverage graph also includes graph edges that each visually connects two of the graph nodes. Each graph edge visually indicates an amount of trace data present for the sequence of execution between the graph nodes that are connected by the graph edge. Thicker graph edges represent the presence of a larger amount of trace data, and thinner graph edges represent the presence of a lesser amount of trace data.
    Type: Grant
    Filed: March 14, 2016
    Date of Patent: January 9, 2018
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Tetsuo Seto, Alexander G. Gounares, Russell S. Krajec
  • Patent number: 9852391
    Abstract: Technology is disclosed for enabling an efficient logistics network based on mobile device location data. The technology does not necessarily need the street house numbers as delivery or pickup addresses, which are not available in some areas of the world. The location data (e.g., GPS coordinates) of the customers' mobile devices are used to suggest the logistics delivery and pickup locations. Drivers of the logistics network are equipped with logistics driver devices connected to a logistics data server for retrieving the location data. Guided by the location data, the drivers reach the target locations for the delivery or pickup tasks.
    Type: Grant
    Filed: February 23, 2015
    Date of Patent: December 26, 2017
    Assignee: MENA360 DWC-LLC
    Inventor: Idriss O. Al Rifai
  • Patent number: 9852407
    Abstract: Systems and methods for routing debit transactions. In one embodiment, a method for routing debit transactions can be provided. The method can include obtaining, by a routing determination system comprising one or more computers, information associated with a proposed debit transaction. The method can also include identifying, by the routing determination system based at least in part upon the obtained information, one or more merchant parameters associated with a merchant on whose behalf the proposed debit transaction will be submitted to a transaction processor. Further, the method can include determining, by the routing determination system based at least in part upon the one or more merchant parameters, a debit transaction network for routing the proposed debit transaction to the transaction processor, wherein the debit transaction network is included in a plurality of available debit transaction networks.
    Type: Grant
    Filed: August 31, 2012
    Date of Patent: December 26, 2017
    Assignee: First Data Corporation
    Inventors: Bradley T. Masterson, George F. Gogol, Donna Collela, David M. Hulbert, Thomas Howe, Robert J. Cole
  • Patent number: 9852309
    Abstract: A system and method may obtain a connection profile, the connection profile including at least one rule related to at least one PII data element; associate the connection profile with a network connection; receive a data unit transmitted over the network connection, the data unit including at least a portion of the PII data element; and, based on the rule, perform at least one of: blocking transmission of the data unit, modifying the data unit, forwarding at least a portion of the data unit to a selected destination, storing the data unit, storing metadata related to the data unit, and reporting an event related to the data unit. A system and method may associate the connection profile with a set of connection. A system and method may automatically modify a set of connection profiles based on an event.
    Type: Grant
    Filed: January 5, 2016
    Date of Patent: December 26, 2017
    Assignee: PRIFENDER LTD.
    Inventor: Nimrod Luria
  • Patent number: 9854445
    Abstract: Protecting a mobile device is provided. A first set of IoT devices in a first domain at a first geographic location is established by communicating with respective members of the first set of IoT devices. Respective ones of the first set of IoT devices are identified within the first domain as registered to a user corresponding to a mobile device based on a list of registered devices generating a registered subset of IoT devices that includes the mobile device. It is determined that the mobile device is in an unsecure environment based on establishing proximity to unknown IoT devices that are not members of the registered subset of IoT devices. A self-protection mode of operation is launched on the mobile device in response to determining that the mobile device is in the unsecure environment based on establishing proximity to the unknown IoT devices.
    Type: Grant
    Filed: January 24, 2017
    Date of Patent: December 26, 2017
    Assignee: International Business Machines Corporation
    Inventors: Zhongshu Gu, Heqing Huang, Dimitrios Pendarakis
  • Patent number: 9836259
    Abstract: Output devices or systems, such as televisions, speakers, projectors, or output controllers, are herein disclosed and enabled for receiving digital content from a digital content service operated, at least partly, over the Internet. The disclosed output device includes wireless communication circuitry and an interface. To set up the output device for receiving and playing digital content, the output device first receives, via the interface, security information, then establishes a wireless local area network connection employing the received security information. Subsequent to having established the wireless local area network connection and using the wireless communication circuitry, the output device connects to a server over a network for downloading and installing software applications or software components for upgrading or modifying the capabilities of the output device.
    Type: Grant
    Filed: November 22, 2016
    Date of Patent: December 5, 2017
    Assignee: Flexiworld Technologies, Inc.
    Inventors: William Ho Chang, Christina Ying Liu
  • Patent number: 9836786
    Abstract: Merchants may desire to save for a variety of reasons, such as to purchase a new piece of equipment for use at the merchant, to pay vendors for services provided to the merchant, to set up a “rainy-day fund”, or the like. As such, described herein are techniques and arrangements for helping a merchant reach its savings goals by automatically saving, for the merchant, a portion of each transaction made by the merchant at a point-of-sale (POS) device of the merchant.
    Type: Grant
    Filed: November 13, 2014
    Date of Patent: December 5, 2017
    Assignee: Square, Inc.
    Inventor: Ginger Kay Baker
  • Patent number: 9826103
    Abstract: Apparatus and methods that offload charging from an Online Charging System (OCS). The OCS includes an offload controller that receives a online charging request from a policy enforcement element for a service, determines whether charging for the service is eligible to be offloaded from the OCS to an Offline Charging System (OFCS), and pushes a charging rule to the policy enforcement element to switch a charging mode for the service to offline charging. An online charging function within the OCS receives another online charging request for the service from the OFCS that reports a charging event detected by the policy enforcement element, and debits an account of an end user based on the online charging request from the OFCS.
    Type: Grant
    Filed: October 31, 2014
    Date of Patent: November 21, 2017
    Assignee: Alcatel-Lucent USA Inc.
    Inventors: Ranjan Sharma, Yigang Cai
  • Patent number: 9825896
    Abstract: A message post-processing apparatus provides an optional instrumented viewport to a message recipient to store message dispositions such as archive, reply-to, forward, open, move, delete, and each elapsed time-to-disposal (TTD) from display. The instrumented viewport also displays a proposed disposition and a proposed TTD, which may be overridden within the instrumented viewport. A timer is initialized to TDD when each message is substantially within the viewport. Absent user intervention, a disposer circuit performs the proposed operation on the message upon expiration of the TTD. The proposed TTD and disposition is derived from analyzing the history and quality of similar messages among recipient's dispositions. When a recipient changes the treatment of a message, the apparatus stores the new disposition and TTD for future reference. A synthesizer circuit transforms message body and headers and proposed TTD and disposition into a message précis.
    Type: Grant
    Filed: March 3, 2015
    Date of Patent: November 21, 2017
    Assignee: Notion AI, Inc.
    Inventors: Lindsay Snider, Ian Berry, Guy Suter
  • Patent number: 9818102
    Abstract: Secure exchange of value and associated information in financial transactions involving beneficial offers available for customers is provided. Various offers, including discounts, prepaid amounts, and the like may be purchased by customers for use with various merchants. A third party issuer obtains information from the customer in selling the offers and issues some kind of indicium of value having a representation of the value of the offer associated therein. Record of the indicia are maintained and either transmitted to the merchant or kept by the issuer or associated financial institutions. When the customer redeems the offer by presenting the indicium to the merchant, the merchant may either authenticate the indicium using the records received by the issuer, or establish communication with the issuer for the issuer to authenticate the indicium, either by itself or in cooperation with one or more related financial institutions.
    Type: Grant
    Filed: February 11, 2011
    Date of Patent: November 14, 2017
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Jason J. Hogg, Winter P. Ng
  • Patent number: 9819200
    Abstract: Networked electric vehicle charging stations for charging electric vehicles are coupled with an electric vehicle charging station network server that performs authorization for charging session requests while the communication connection between the charging stations and the server are operating correctly. When the communication connection is not operating correctly, the networked electric vehicle charging stations enter into a local authorization mode to perform a local authorization process for incoming charging session requests.
    Type: Grant
    Filed: January 8, 2013
    Date of Patent: November 14, 2017
    Assignee: CHARGEPOINT, INC.
    Inventors: James Solomon, Milton Tormey, Praveen Mandal, Richard Lowenthal, Harjinder Bhade, David Baxter
  • Patent number: 9805348
    Abstract: A method and system for processing a financial transaction initiated by a cardholder with a merchant. The cardholder initiates the transaction using a cardholder input device and transmits an authorization request message including transaction data received by the cardholder input device from a point of sale (POS) device associated with the merchant. The authorization request message is received by a computer system. The transaction data is validated, and an authorization response message is transmitted after validation. The cardholder input device may forward the authorization response message to the POS device for completing the transaction.
    Type: Grant
    Filed: September 22, 2010
    Date of Patent: October 31, 2017
    Assignee: Mastercard International Incorporated
    Inventor: James Sinton
  • Patent number: 9807582
    Abstract: Structures and protocols are presented for signaling a status or decision concerning a wireless service or device within a region to a communication device (smartphone or wearable device, e.g.) or other wireless communication participant (motor vehicle having a wireless communication capability, e.g.).
    Type: Grant
    Filed: July 30, 2013
    Date of Patent: October 31, 2017
    Assignee: Elwha LLC
    Inventors: Roderick A. Hyde, Royce A. Levien, Richard T. Lord, Robert W. Lord, Mark A. Malamud, Clarence T. Tegreene
  • Patent number: 9799015
    Abstract: A payment reminder may be received by a payment reminder application executed by a computing device. The payment reminder may request payment of a vehicle loan associated with a registered combination of a vehicle identification number and an occupant identifier associated with the vehicle loan. The payment reminder application may verify appropriate vehicle occupants are available to receive the payment reminder, and may deliver the received payment reminder to the appropriate vehicle occupants at an appropriate time for occupant safety and privacy. The payment reminder application may also provide other types of reminders or messages targeted to the vehicle occupants.
    Type: Grant
    Filed: March 12, 2013
    Date of Patent: October 24, 2017
    Assignee: Ford Global Technologies, LLC
    Inventors: John Matthew Ginder, Yimin Liu, Oleg Yurievitch Gusikhin, Perry Robinson MacNeille, Paul Duncan McCarthy