Including Funds Transfer Or Credit Transaction Patents (Class 705/39)
  • 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: 9799012
    Abstract: An electronic receipt system may include a point-of-sale (POS) terminal having a near field communication (NFC) device for communicating with a mobile wireless communications device during a transaction for purchasing at least one item, and a server. The server may be for receiving a user identifier transmitted from the mobile communication device via the NFC device, verifying an enrollment status of the user identifier, based upon results of the verifying, generating an electronic receipt associated with the transaction, and generating a social media network link feature in the electronic receipt and associated with the item, the social media network link feature for sharing the purchase of the item on a corresponding social media network.
    Type: Grant
    Filed: August 5, 2014
    Date of Patent: October 24, 2017
    Assignee: FLEXRECEIPTS INC.
    Inventors: Jay Patel, Tomas Diaz, Kiran Kshatriya
  • Patent number: 9799029
    Abstract: The present invention is generally directed to securely receiving data input at a computing device without storing the data locally. The invention allows an application, such as a mobile app, to receive payment information (e.g. credit card information) directly from a user without requiring the application to comply with the PA DSS or another standard. The application can employ any type of user interface for receiving user input as well as one or more overlaid input fields that receive sensitive payment information. The overlaid input fields can be part of a web page or other interface that can securely submit data to a remote computer system (e.g. a server) where it can be stored, processed, or transmitted in accordance with the PCI DSS. In this way, the sensitive payment information (or another type of information) is not stored, processed, or transmitted by the application on the local device.
    Type: Grant
    Filed: December 31, 2012
    Date of Patent: October 24, 2017
    Assignee: Zukunftware, LLC
    Inventor: Volker Neuwirth
  • Patent number: 9799015
    Abstract: A payment reminder may be received by a payment reminder application executed by a computing device. The payment reminder may request payment of a vehicle loan associated with a registered combination of a vehicle identification number and an occupant identifier associated with the vehicle loan. The payment reminder application may verify appropriate vehicle occupants are available to receive the payment reminder, and may deliver the received payment reminder to the appropriate vehicle occupants at an appropriate time for occupant safety and privacy. The payment reminder application may also provide other types of reminders or messages targeted to the vehicle occupants.
    Type: Grant
    Filed: March 12, 2013
    Date of Patent: October 24, 2017
    Assignee: Ford Global Technologies, LLC
    Inventors: John Matthew Ginder, Yimin Liu, Oleg Yurievitch Gusikhin, Perry Robinson MacNeille, Paul Duncan McCarthy
  • Patent number: 9801038
    Abstract: A method for facilitating a safety check in emergency situations includes: storing a plurality of account profiles, each including a primary account number, account details, and sets of communication data; receiving a transaction message including a specific primary account number and an indication that an associated individual is safe; identifying a specific account profile that includes the specific primary account number; and transmitting a safety notification including the account details stored in the specific account profile the indication of the associated individual's safety for at least one of the sets of communication data stored in the specific account profile.
    Type: Grant
    Filed: November 18, 2016
    Date of Patent: October 24, 2017
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Javier Krysztal
  • Patent number: 9792592
    Abstract: The invention concerns a portable electronic transfer device using a near-field wireless communication module and a method of using it. The device includes means for entering an amount and an acceptance command so that a debtor can enter their personal identification number on their portable device and not on that of a third party. If the acceptance command is authenticated, a secure message containing the amount is sent via the near-field. wireless communication module to a creditor. The creditor can then add their references to the message and send it to effect the transaction. Alternatively, the creditor sends their references to the debtor via the near-field wireless communication module and the debtor can formulate a transaction request including the amount and the references of the creditor.
    Type: Grant
    Filed: October 22, 2008
    Date of Patent: October 17, 2017
    Assignee: OBERTHUR TECHNOLOGIES
    Inventors: Pierrick Delolme, Marc Bertin
  • Patent number: 9785938
    Abstract: Included are systems and methods for tokenizing sensitive data. Some of the systems and/or methods are configured to receive sensitive data from a vendor, determine a token key for the vendor, and utilize a proprietary algorithm, based on the token key to generate a vendor-specific token that is associated with the sensitive data. Some systems and/or methods include creating a token identifier that comprises data related to the token key sending the vendor-specific token and the token identifier to the vendor.
    Type: Grant
    Filed: December 8, 2014
    Date of Patent: October 10, 2017
    Assignee: Vantiv, LLC
    Inventors: Bryan T. Bailey, John Romer, Chris Doyle, Jeremy Gifford, Kevin Zibart
  • Patent number: 9785926
    Abstract: Systems and methods are disclosed for selectively increasing and decreasing the balances of gaming accounts and stored value accounts. Each of the gaming account and the stored value account are associated with a player. Instructions for balance transfers can be provided by the player to a remote computing device.
    Type: Grant
    Filed: September 20, 2016
    Date of Patent: October 10, 2017
    Assignee: Sightline Interactive LLC
    Inventors: Kirk E. Sanford, Thomas M. Sears, Omer Sattar
  • Patent number: 9786018
    Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, contact lists, stored database images, images over the Internet, and the like, and associates the activity information and images with the activities. The financial and social management system may determine images for other users associated with an activity of a first user by identifying tag users in a social networking account of the first user or contacts in a social networking account of the first user that participated in activities at the same time or locations as the activities of the first user.
    Type: Grant
    Filed: September 20, 2013
    Date of Patent: October 10, 2017
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Elizabeth S. Votaw, Laura Corinne Bondesen, Matthew A. Calman, Katherine Dintenfass, Candice Michelle Jones, Charles Karim Aweida, Parker Holt Bossier, Rebecca A. Chen, Nandhita Kumar, Min Zhao
  • Patent number: 9773038
    Abstract: An apparatus is provided with first information on software and character strings for determining a keyword related to second information on software that a user wants to use. The apparatus generates, in accordance with a level of the user who uses software obtained from a first external device coupled to a communication network, based on the first information and third information that is related to software and obtained from a second external device connected to the communication network, fourth information indicating software recommendable to the user. The apparatus receives the second information from the user, and determines a keyword related to the fourth information by comparing the fourth information with the character strings provided for the apparatus. The apparatus obtains software to be recommended to the user by comparing the fourth information with the determined keyword, and starts up the obtained software.
    Type: Grant
    Filed: July 15, 2013
    Date of Patent: September 26, 2017
    Assignee: FUJITSU LIMITED
    Inventors: Haruyo Iguchi, Shigeru Hidesawa
  • Patent number: 9769153
    Abstract: A customer can demonstrate control over an element, such as a domain, by receiving a certificate from a certificate authority. A customer can submit a request and receive a request token. The customer can generate a cryptographic hash of the request using the token, which a service provider can compare against an expected hash similarly generated. If the hashes match, an action can be taken such as a certificate issued. A customer can request one or more request tokens up front, whereby the tokens can be used to submit hashes with requests at the appropriate time. In some embodiments a customer can submit a request specifying one or more domains, and a service provider can provide a list of confirmatory email addresses from which the customer can select. The service provider can then send a message to that address that include a link for requesting a certificate.
    Type: Grant
    Filed: August 7, 2015
    Date of Patent: September 19, 2017
    Assignee: AMAZON TECHNOLOGIES, INC.
    Inventor: Peter Zachary Bowen
  • Patent number: 9767456
    Abstract: Provided is a virtual money balance bypass inquiry method, comprising: receiving a purchase demand submitted by a client, wherein the purchase demand contains the sum to be paid; receiving a balance inquiry request which is transmitted by the client in asynchronous mode, wherein the balance inquiry request contains the sum to be paid; inquiring the balance of a user account according to the balance inquiry request, and obtaining a result flag by comparing the balance of the user account with the sum to be paid; returning the result flag to the client in asynchronous mode.
    Type: Grant
    Filed: November 28, 2012
    Date of Patent: September 19, 2017
    Assignee: Tencent Technology (Shenzen) Company Limited
    Inventors: Jianwei Deng, Ke Fan, Jun Zhou, Ding Zhang
  • Patent number: 9767458
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for transferring money using email. One of the methods includes receiving, at a user device, user input of a request to transfer a payment amount from a recipient account with a payment service system to a sender account of a sender with the payment service system. A draft email message is generated, the message having content identifying the requested payment amount, the draft email message including a confirmation link to a network resource associated with the payment service system, wherein upon receiving an indication that the recipient selected the confirmation link, the payment service system identifies a sender account of the sender and a recipient account of the recipient and initiates a transfer of the requested payment amount from the recipient account to the sender account.
    Type: Grant
    Filed: November 20, 2015
    Date of Patent: September 19, 2017
    Assignee: Square, Inc.
    Inventors: Jack Dorsey, Jesse Wilson, Brian Grassadonia
  • Patent number: 9767455
    Abstract: A transaction and payment and processing system securely conducts transactions over the public telephone network. The transactions may be between and among entities of any type such as individuals, merchants, utilities, banks, etc. Nothing more than access to a telephone is required after initial registration of a user.
    Type: Grant
    Filed: November 29, 2012
    Date of Patent: September 19, 2017
    Inventor: Hossein Mohsenzadeh
  • Patent number: 9767450
    Abstract: Provided is an antenna module package including a substrate, a wireless card payment antenna structure mounted on the substrate and including a first antenna chip and wireless card payment matching elements electrically connected to the first antenna chip, a near field communication (NFC) antenna structure mounted on the substrate, sharing the first antenna chip, and including an extended NFC antenna loop and NFC matching elements electrically connected to the first antenna chip, and a wireless charging antenna structure mounted on the substrate and including a second antenna chip, and an extended wireless charging antenna loop and wireless charging matching elements electrically connected to the second antenna chip.
    Type: Grant
    Filed: January 28, 2016
    Date of Patent: September 19, 2017
    Assignee: ITM SEMICONDUCTOR CO., LTD.
    Inventors: Hyeok Hwi Na, Ho Seok Hwang, Young Seok Kim, Seong Beom Park, Sang Hoon Ahn, Sun Ho Kim
  • Patent number: 9767454
    Abstract: A transaction and payment and processing system securely conducts transactions over the public telephone network. The transactions may be between and among entities of any type such as individuals, merchants, utilities, banks, etc. Nothing more than access to a telephone is required after initial registration of a user.
    Type: Grant
    Filed: November 29, 2012
    Date of Patent: September 19, 2017
    Inventor: Hossein Mohsenzadeh
  • Patent number: 9760905
    Abstract: In one aspect, a computing apparatus is configured to: capture first images of customers who have watched a digital sign, using a digital camera attached to the digital sign positioned in vicinity of a retail location; identify characteristics of the customers based on the first images; identify, using the characteristics, a subset of customers who have made payment transactions at the retail location through a transaction handler; determine an aggregated spending profile based on transactions of the subset of customers recorded by the transaction handler; and arrange content on the digital sign based on the aggregated spending profile. The computing apparatus may be further configured to capture second images of the customers who have made payment transactions at the retail location through the transaction handler, using a digital camera attached to a point of sale (POS) station at the retail location, and to correlate the first and second images to identify the subset.
    Type: Grant
    Filed: August 1, 2011
    Date of Patent: September 12, 2017
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Jeanette Yoder, Charles Raymond Byce, Michelle Eng Winters
  • Patent number: 9762337
    Abstract: According to one embodiment, a communication apparatus includes a Bluetooth (trademark) controller which is wirelessly connected to a mobile information terminal, and a CPU configured to acquire a radio-wave intensity of wireless connection to the wirelessly connected mobile information terminal, to selectively read an application program from a program memory, based on the acquired radio-wave intensity, and to execute the application program.
    Type: Grant
    Filed: June 21, 2016
    Date of Patent: September 12, 2017
    Assignee: CASIO COMPUTER CO., LTD.
    Inventors: Gou Kawakami, Yoichi Murayama, Toshihiko Yoshida, Kazuma Kawahara, Asami Aso, Takashi Kawashimo
  • Patent number: 9762747
    Abstract: Apparatus and method are disclosed for detecting a risk in a refill transaction. The method may include receiving, from a user, a request for refilling an account, the request including account information associated with the account. The method may also include acquiring a contact information set corresponding to the user. The method may further include determining whether the contact information set includes the account information by searching in the contact information set for information matching the account information. In addition, the method may include providing a risk alert to the user if it is determined that the contact information set does not include the account information.
    Type: Grant
    Filed: July 29, 2015
    Date of Patent: September 12, 2017
    Assignee: ALIBABA GROUP HOLDING LIMITED
    Inventors: Lei Wang, Zhiquan Bao
  • Patent number: 9747596
    Abstract: Briefly, in accordance with one embodiment, a mobile subscriber is registered for authentication. Registering the mobile subscriber, in an embodiment, includes querying the mobile service provider of the mobile subscriber for an international mobile subscriber identifier (IMSI) of the mobile subscriber at the time of registration and creating an authentication database in which a database entry includes at least: a mobile telephone number for the mobile subscriber and the IMSI of the mobile subscriber.
    Type: Grant
    Filed: December 5, 2013
    Date of Patent: August 29, 2017
    Assignee: Payfone, Inc.
    Inventors: Michael Brody, Rodger Desai, Sung Kim
  • Patent number: 9747586
    Abstract: Disclosed herein are system and methods for issuance and circulation of electronic currency, as well as a payment system based on use of the aforementioned electronic currency. In one exemplary aspect, the system includes a management module configured to: create and manage one or more wallets of electronic currency; manage information about a reserve substantiating the electronic currency, wherein the reserve comprises one or more tangible or intangible assets; and record electronic currency transactions in a settlement network, wherein the settlement network carries out transactions and stores data describing said transactions; and an issuance center configured to carry out centralized issuance of the electronic currency and its controlled release into circulation in the settlement network, wherein the amount of the issued electronic currency released into circulation in the settlement network is equal to or less than the amount of the reserve substantiating it.
    Type: Grant
    Filed: September 12, 2016
    Date of Patent: August 29, 2017
    Assignee: CPN GOLD B.V.
    Inventors: Vladimir Nikolayevich Frolov, Damir Nasibullovich Gaynanov, Aleksey Petrovich Romanchuk, Anatoliy Anatolievich Vatolin
  • Patent number: 9747644
    Abstract: Transaction data is gathered for a plurality of successful payment device transactions in a first environment. The transaction data is filtered to identify successful payment device transactions associated with payment devices for which offline authentication is not supported, to obtain a whitelist. The whitelist is made available to at least one of (1) a merchant in a second, different environment, and (2) a third party acting on behalf of such a merchant.
    Type: Grant
    Filed: March 14, 2014
    Date of Patent: August 29, 2017
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Michael J. Cowen, James Noe, Mark Lulic
  • Patent number: 9749855
    Abstract: The present invention relates to a method for conducting transactions, such as standard banking transactions, using a wireless device, such as a cellular telephone, personal digital assistant, and other web-enabled wireless devices utilizing software downloaded to the wireless device. The software provides a user with interface screens on the display of the wireless device for facilitating information requests to a service provider having access to at least one account of the user.
    Type: Grant
    Filed: March 26, 2014
    Date of Patent: August 29, 2017
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventors: Peter Tompkins, Jennifer Vos, Arun Ahuja
  • Patent number: 9741016
    Abstract: A business model data management method can include identifying a business object within a business object structure document for a business application, locating data management rules for the identified business object in a business object descriptor document, and executing the located data management rules to represent the identified business object in a database for the business application.
    Type: Grant
    Filed: September 20, 2005
    Date of Patent: August 22, 2017
    Assignee: International Business Machines Corporation
    Inventors: Zhongming Chen, Hongling Zhang
  • Patent number: 9727543
    Abstract: A method of processing an interactive document is enclosed.
    Type: Grant
    Filed: August 27, 2010
    Date of Patent: August 8, 2017
    Assignee: Open Text Corporation
    Inventors: Daniel J. Kloiber, Davis L. Marksbury, Christopher J. Heinz, Robert C. Guckenberger, Ronald L. Heiney, Kenneth E. Gibbs
  • Patent number: 9728028
    Abstract: The invention relates to an innovative device which is used to secure payments or transactions made with a smart card and to validate the identity of the smart card holder using a client/server biometric control operation, regardless of whether said payments or transactions are made directly at a point of sale or from a PC (personal computer or shared open-access computer) which is connected to the Internet or using a mobile telephone, a portable computer (also known as a laptop), a PDA (Personal Device Assistant) or any other mobile or fixed means that can connect to any telecommunication network and carry out a transaction involving the use of biometrics at the transaction generation point. The invention also relates to smart-card-holding employees of financial institutions who perform professional inter-bank transfers.
    Type: Grant
    Filed: February 21, 2006
    Date of Patent: August 8, 2017
    Inventors: Yves Chemla, Christophe Richard
  • Patent number: 9727866
    Abstract: Computerized methods, systems and computer program products for determining how an identity of a consumer can be verified during a transaction involving the consumer and a merchant. Embodiments access and analyze data of an account the consumer has with an online social network to derive a challenge question response options. The social-network based challenge question and response options are presented to the consumer, and the consumer's selection of certain response options is used to confirm that the consumer is the person named on a credit card or other payment instrument or that other identification or verification information should be requested by the merchant before completing the transaction.
    Type: Grant
    Filed: October 15, 2013
    Date of Patent: August 8, 2017
    Assignee: INTUIT INC.
    Inventor: Stoyan Kenderov
  • Patent number: 9727861
    Abstract: A multiple currency rate consolidator addresses the needs of multi-national companies that do business in different currencies and tax localities. A consolidated view of financial data may be provided in real time. The multiple currency rate consolidator allows each subsidiary within a subsidiary hierarchy to enter and manage transactional data as well as budget/forecast data in a corresponding localized functional currency. The multiple currency rate consolidator allows different consolidation levels to view localized, consolidated values of subsidiary transactions. The multiple currency rate consolidator also accommodates statutory, ad hoc and management reporting consolidation using different subsidiary configurations for the same time periods, as well as the versioning of the subsidiary hierarchy to accommodate structural changes across different time periods.
    Type: Grant
    Filed: December 2, 2013
    Date of Patent: August 8, 2017
    Assignee: NetSuite Inc.
    Inventors: Stephen Clode, Gaurav Bawa, Darren Linscott, William Ellery Bailey
  • Patent number: 9721261
    Abstract: Persistent, electronically anchored currency notes (PEAC notes) may be generated by a transaction provider and maintained in a datastore. Each PEAC note may be associated with a respective unique identifier and asset held by a custodian. The transaction provider may provide for assigning ownership of the PEAC notes to various entities and/or transferring ownership therebetween. Ownership transfers may be performed by the transaction provider while maintaining the PEAC notes in the datastore and/or maintaining the asset(s) associated therewith their respective custodian(s). A PEAC note may be tied to one or more usage conditions, which restrict transfers thereof. The usage conditions may be removed when release conditions are satisfied.
    Type: Grant
    Filed: March 12, 2012
    Date of Patent: August 1, 2017
    Assignee: CapitalWill, LLC
    Inventor: Bradley Wilkes
  • Patent number: 9721410
    Abstract: An authentication system includes a plurality of authentication apparatuses, each of which includes first biological information of a same set of users; a crosschecking unit for crosschecking input biological information with a part of the first biological information; a transmitter for assigning second biological information included in the first biological information other than the part of the first biological information to the other authentication apparatuses without assigning same information in the second biological information to other authentication apparatuses, and to request the other authentication apparatuses to crosscheck the input biological information with the assigned second biological information; and a receiver for receiving, from the one or more other authentication apparatuses, one or more results of crosschecking the input biological information with the assigned second biological information by the one or more other authentication apparatuses in response to the requesting.
    Type: Grant
    Filed: March 11, 2015
    Date of Patent: August 1, 2017
    Assignee: FUJITSU LIMITED
    Inventor: Kimikazu Ito
  • Patent number: 9722957
    Abstract: A system and method are disclosed which enable more effective email response authoring by contact center agents, for example, by automatically suggesting prototypical (entire) email responses to the human agent and interactive suggestion of next sentence candidates during the writing process. In one method, a customer inquiry is received and a latent topic prediction is generated, based on a word-based representation of the customer inquiry. A latent topic prediction is generated for an entire agent's reply to the customer inquiry as a function of the latent topic prediction generated for the customer inquiry. A further latent topic prediction is generated for a next sentence of the agent's reply as a function of a topic prediction for the next sentence which is generated with a prediction model that has been trained on annotated sentences of agent replies. Information is output to assist the agent, based on the topic predictions.
    Type: Grant
    Filed: May 4, 2015
    Date of Patent: August 1, 2017
    Assignee: CONDUENT BUSINESS SERVICES, LLC
    Inventors: Marc Dymetman, Jean-Michel Renders, Sriram Venkatapathy, Spandana Gella
  • Patent number: 9721235
    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). The transaction provider may keep records of ownership transfers and/or may provide datastructures for tracking payments (e.g., invoice datastructures). Information about each PEAC note be publically available through the transaction provider.
    Type: Grant
    Filed: May 26, 2010
    Date of Patent: August 1, 2017
    Assignee: CapitalWill LLC
    Inventor: Bradley Wilkes
  • Patent number: 9716649
    Abstract: A query is propagated from a querying node to a destination node in a network of connected nodes, where at least one node is designated as a delay node. A query is transmitted from the querying node to one or more connected nodes in the network of connected nodes. One or more nodes, from the one or more connected nodes, are designated as delay nodes, wherein delay nodes apply delays to the query before retransmitting the query to other nodes from the one or more connected nodes. Upon receiving the query, each node, from the one or more connected nodes, retransmits the query to another one or more nodes from the one or more connected nodes. The query is repeatedly received and retransmitted by the connected nodes until the query is received at the destination node.
    Type: Grant
    Filed: November 18, 2013
    Date of Patent: July 25, 2017
    Assignee: International Business Machines Corporation
    Inventors: Graham A. Bent, Thomas J. C. Berman, Patrick Dantressangle, David R. Vyvyan
  • Patent number: 9707974
    Abstract: A vehicle may include an identification system configured to acquire information from a token in a vicinity of the vehicle and to classify a driver of the vehicle based on the information. The vehicle may also include at least one controller in communication with the identification system and configured to characterize a driver's control of the vehicle and to record a history of the characterization if the driver classification is of a particular type.
    Type: Grant
    Filed: October 30, 2009
    Date of Patent: July 18, 2017
    Assignee: Ford Global Technologies, LLC
    Inventors: Dimitar Petrov Filev, Jianbo Lu, Kwaku O. Prakah-Asante, Fling Tseng
  • Patent number: 9710990
    Abstract: A cash management system includes a cloud server, a banknote cash unit and a verification center. The banknote cash unit senses serial numbers of banknotes introduced therein for obtaining serial number data corresponding to the banknotes. The banknote cash unit further uploads the serial number data to the cloud server, such that the verification center downloads the serial number data. The verification center senses the banknotes sent thereto for obtaining the verification data corresponding to the banknotes sent to the verification center and determines whether the serial number data matches the verification data. Accordingly, the cash management system is able to verify all of banknotes delivered from backyard area to verification headquarter at one time.
    Type: Grant
    Filed: August 4, 2016
    Date of Patent: July 18, 2017
    Assignee: MASTERWORK AUTOMODULES TECHNOLOGY CORP., LTD.
    Inventor: Ming-Hsun Liu
  • Patent number: 9703778
    Abstract: A method of controlling an external service among a plurality of external services, by receiving an input command at a mobile device, translating the input command into a common language sharable between the external services so that such input commands are understood between the plurality of devices and services and functions are performed at the devices and or services in response to the input command. This control of the services is also sharable as instructed by an input command.
    Type: Grant
    Filed: May 19, 2016
    Date of Patent: July 11, 2017
    Assignee: Wand Labs, Inc.
    Inventors: Vishal Sharma, Elhum Amjadi
  • Patent number: 9705674
    Abstract: A system uses information submitted in connection with a request to determine if and how to process the request. The information may be electronically signed by a requestor using a key such that the system processing the request can verify that the requestor has the key and that the information is authentic. The information may include information that identifies a holder of a key needed for processing the request, where the holder of the key can be the system or another, possibly third party, system. Requests to decrypt data may be processed to ensure that a certain amount of time passes before access to the decrypted data is provided, thereby providing an opportunity to cancel such requests and/or otherwise mitigate potential security breaches.
    Type: Grant
    Filed: February 12, 2013
    Date of Patent: July 11, 2017
    Assignee: Amazon Technologies, Inc.
    Inventors: Gregory Branchek Roth, Matthew James Wren, Eric Jason Brandwine, Brian Irl Pratt
  • Patent number: 9703457
    Abstract: Computer-implemented methods for allowing users to specify interactive graphical designs are provided. The graphical designs can comprise multiple dimension versions—such as a tablet dimension version or a phone dimension version. Some of the methods involve an inheritance structure that defines a first dimension version of the design as a child of a second dimension version of the design. Specifications for properties of widgets in the graphical design are applied to the design in accordance with the inheritance specification. Some of the methods involve an inheritance characterization that determines how properties of a widget are affected by the inheritance structure across different dimension versions. Some of the methods involve an existence property for the widgets.
    Type: Grant
    Filed: February 10, 2014
    Date of Patent: July 11, 2017
    Assignee: Axure Software Solutions, Inc.
    Inventors: Victor Hsu, Martin Smith, Ian Gardner, Ben Fraser
  • Patent number: 9697071
    Abstract: The described technology is directed towards handling errors in an application program that allows for a taxonomy and precedence order of errors. Exception wrapping includes preserving relevant information with an exception, and consolidates a series of errors into a single dominant exception instance that is handled appropriately depending on the exception type. Also described is a centralized exception manager that outputs an interactive dialog based upon the exception type, and takes a recovery action based upon user interaction with the dialog.
    Type: Grant
    Filed: July 21, 2015
    Date of Patent: July 4, 2017
    Assignee: HOME BOX OFFICE, INC.
    Inventors: Patrick Finnigan, Brendan Joseph Clark, Brandon C. Furtwangler, Steven N. Furtwangler
  • Patent number: 9691056
    Abstract: A computer-implemented payment processing method includes receiving, by a first computer system, a funds transfer request from a sender having a first account at a first financial institution, the first financial institution being a member of a first computer-implemented payment network, the funds transfer request including an identifier for a recipient, the recipient having a second account at a second financial institution, the second financial institution being a member of a second computer-implemented payment network; based upon the identifier for the recipient, determining by the first computer system whether the recipient is registered with the second computer-implemented payment network; and upon determining that the recipient is registered with the second computer-implemented payment network, transmitting by the first computer system a funds transfer message via the first and second computer-implemented payment networks to cause funds to be transferred from the sender to the recipient.
    Type: Grant
    Filed: January 7, 2013
    Date of Patent: June 27, 2017
    Assignee: CLEARXCHANGE, LLC
    Inventors: Kevin Bouey, Sri Saravana Muthu, Brian M. Pearce, Adam Vancini
  • Patent number: 9691063
    Abstract: A computerized system for activating, issuing and otherwise managing transactions and activities pertaining to stored-value cards over a communications network. A central information database is provided for storing stored-value cardholder and card purchaser information received directly from respective stored-value cardholders and card purchasers PCs through a universal central processor via respective communication gateways. The central processor is coupled for communication realtime to multiple unaffiliated stored-value card processing networks normally operated by respective hosts. Each network includes a stored-value card processor coupled to a stored-value card database and multiple respective merchant communication devices. The central processor is programmed for managing the activation and issuance of transactions and activities for the stored-value card through the respective unaffiliated networks.
    Type: Grant
    Filed: February 20, 2015
    Date of Patent: June 27, 2017
    Assignee: BLACKHAWK NETWORK, INC.
    Inventors: Thomas J. Sullivan, J. Simmons Graves
  • Patent number: 9684926
    Abstract: In general, the subject matter described in this disclosure can be embodied in methods, systems, and program products. A server system receives a request for details regarding a product that a user of a remote computing device selected for purchase from a user interface provided by a third-party application program executable at the remote computing device. The received request specifies the product. The server system uses an indication of the product to identify details that are specific to the product. The server system sends, for receipt by the particular application program, the details. The server system receives, from the particular application program and after sending the details, confirmation to purchase the product, and, in response, sends a charge request to charge the user for the product to a transaction processing system.
    Type: Grant
    Filed: April 24, 2013
    Date of Patent: June 20, 2017
    Assignee: Google Inc.
    Inventors: Linda K. Nguyen, Jasper S. Lin, Jack Edward Veenstra
  • Patent number: 9684899
    Abstract: A transaction and payment and processing system securely conducts transactions over the public telephone network. The transactions may be between and among entities of any type such as individuals, merchants, utilities, banks, etc. Nothing more than access to a telephone is required after initial registration of a user.
    Type: Grant
    Filed: November 29, 2012
    Date of Patent: June 20, 2017
    Inventor: Hossein Mohsenzadeh
  • Patent number: 9686077
    Abstract: Various technologies described herein pertain to a computing device that includes secure hardware (e.g., a TPM, a secure processor of a processing platform, protected memory that includes a software-based TPM, etc.). The secure hardware includes a shared secret, which is shared by the secure hardware and a server computing system. The shared secret is provisioned by the server computing system or a provisioning computing system of a party affiliated with the server computing system. The secure hardware further includes a cryptographic engine that can execute a cryptographic algorithm using the shared secret or a key generated from the shared secret. The cryptographic engine can execute the cryptographic algorithm to perform encryption, decryption, authentication, and/or attestation.
    Type: Grant
    Filed: February 24, 2015
    Date of Patent: June 20, 2017
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Himanshu Raj, Stefan Saroiu, Alastair Wolman, Chen Chen
  • Patent number: 9685024
    Abstract: An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged.
    Type: Grant
    Filed: May 30, 2008
    Date of Patent: June 20, 2017
    Assignee: Visa U.S.A. Inc.
    Inventors: Lynn Kemper, Akshey Shawn Vij, Robin O'Connell