Including Funds Transfer Or Credit Transaction Patents (Class 705/39)
  • Patent number: 10050842
    Abstract: An example method for facilitating network control and management using semantic reasoners in a network environment is provided and includes generating a fully populated semantics model of the network from network data according to a base network ontology of the network, mapping the fully populated semantics model to a network knowledge base, feeding contents of the network knowledge base to a semantic reasoner, and controlling and managing the network using the semantic reasoner. In specific embodiments, generating the model includes receiving the network data from the network, parsing the network data, loading the parsed network data into in-memory data structures, accessing a manifest specifying binding between a network data definition format and ontology components of the base network ontology, identifying ontology components associated with the network data based on the manifest, and populating the identified ontology components with individuals and properties from the corresponding data structures.
    Type: Grant
    Filed: July 23, 2014
    Date of Patent: August 14, 2018
    Assignee: Cisco Technology, Inc.
    Inventors: Samer Salam, Eric A. Voit, Ludwig Alexander Clemm, Edward Albert Warnicke
  • Patent number: 10043160
    Abstract: An apparatus for forming an auth-process determination for a point of sale (“POS”)-purchase executed using a balance-verified automated clearing house (“ACH”) identifier is provided. The ACH identifier may include identifier information configured as a pointer to a DDA account. A receiver may be configured to receive the balance-verified ACH identifier information and purchase information. The apparatus may retrieve DDA account information using previously-entered DDA account access information. The apparatus may calculate an auth-process determination based on the DDA account information and the purchase information. The apparatus may store, in real time, an auth-process determination indicator in the memory at the POS. The auth-process determination indicator corresponding to the auth-process determination. The apparatus may also cause to display the auth-process determination indicator on a POS screen.
    Type: Grant
    Filed: January 16, 2015
    Date of Patent: August 7, 2018
    Assignee: Bank of America Corporation
    Inventor: Matthew D. Murphy
  • Patent number: 10043223
    Abstract: In an embodiment of the invention, a method for wireless power generation for managing power distribution in a wireless environment is provided. The method includes receiving a request from a device to connect to a wireless power distribution base station, authenticating the device, determining a lease period during which time power is to be delivered wirelessly to the device in response to authenticating the device, and delivering power wirelessly from the wireless power distribution base station to the device for the duration of the lease period, but subsequent to the lease period, discontinuing delivery of power wirelessly to the device.
    Type: Grant
    Filed: December 30, 2010
    Date of Patent: August 7, 2018
    Assignee: International Business Machines Corporation
    Inventors: Anthony P. Beardsmore, Oliver Fenton, Jonathan Levell
  • Patent number: 10043170
    Abstract: Systems and methods for application-based billing in a wireless subscriber billing system are disclosed. A wireless client device can generate and transmit a billing request to the billing system. The billing system generates a validation response to the billing request and transmits the validation response to the client device. The validation response can be processed by the client device to enable a service linked to the billing request.
    Type: Grant
    Filed: January 20, 2005
    Date of Patent: August 7, 2018
    Assignee: QUALCOMM Incorporated
    Inventors: Brian Minear, Julie Yu, Mitchell B. Oliver, Laurence Lundblade, Gerald C. Horel, Jaiteerth Patwari
  • Patent number: 10038796
    Abstract: Methods of pre-emptive credit control, as well as corresponding network elements and a computer program are disclosed. According to one aspect, a method is performed in a network element comprising receiving, from an online charging system, at least one pre-emptive credit control directive for a subscriber, the credit control directive applying to at least one rating group; storing the at least one pre-emptive credit control directive in the network element and applying the at least one pre-emptive credit control directive at content or service delivery start, prior to any service or content received from, or addressing, the subscriber and belonging to the at least one rating group being forwarded from the network element.
    Type: Grant
    Filed: June 3, 2014
    Date of Patent: July 31, 2018
    Assignee: Telefonaktiebolaget LM Ericsson (Publ)
    Inventors: Jiehong Yang, Anders Engström, Anders P. Larsson, David Shrader
  • Patent number: 10032182
    Abstract: Systems, apparatus, and methods for providing promotion sharing between consumers are discussed herein. Some embodiments may include a system including circuitry configured to generate an incentive token for a promotion of a merchant. The incentive token may be associated with a first consumer account and provided to a first consumer device associated with the first consumer account for sharing with other consumers. Upon receiving the incentive token form a second consumer device associated with a second consumer account, the circuitry may be configured to enable the second consumer account to receive an incentive value of the incentive token if various conditions are satisfied. For example, the second consumer may be asked to purchase the promotion, create a new consumer account, or the like.
    Type: Grant
    Filed: June 28, 2013
    Date of Patent: July 24, 2018
    Assignee: GROUPON, INC.
    Inventors: Injae Lee, Selvam Velmurugan, Vinayak Hegde
  • Patent number: 10032189
    Abstract: A social networking system generates socially-relevant stories for a user based on actions taken by other users to whom the user is connected. The social networking system may receive a request for a sponsored story for a viewing user and may select information about one or more actions performed by one or more users to whom the viewing user is connected to identify one of a plurality of candidate information for a sponsored story based on one or more criteria (e.g., affinity of the viewing user for the candidates, expected value for the candidates, etc.). The social networking system may also generate the sponsored story and generate a feed comprising the sponsored story and news stories (e.g., non-sponsored stories) about one or more users of the social networking system with whom the viewing user is connected. This feed may be provided for display to the viewing user.
    Type: Grant
    Filed: April 13, 2012
    Date of Patent: July 24, 2018
    Assignee: Facebook, Inc.
    Inventors: Timothy Kendall, Matthew R. Cohler, Mark E. Zuckerberg, Yun-Fang Juan, Robert Kang-Xing Jin, Justin M. Rosenstein, Andrew G. Bosworth, Yishan Wong, Adam D'Angelo, Chamath M. Palihapitiya
  • Patent number: 10033995
    Abstract: Methods and apparatus for supporting the capture of images of surfaces of an environment visible from a default viewing position and capturing images of surfaces not visible from the default viewing position, e.g., occluded surfaces, are described. Occluded and non-occluded image portions are packed into one or more frames and communicated to a playback device for use as textures which can be applied to a model of the environment where the images were captured. An environmental model includes a model of surfaces which are occluded from view from a default viewing position but which maybe viewed is the user shifts the user's viewing location. Occluded image content can be incorporated directly into a frame that also includes non-occluded image data or sent in frames of a separate, e.g., auxiliary content stream that is multiplexed with the main content stream which communicates image data corresponding to non-occluded environmental portions.
    Type: Grant
    Filed: March 1, 2016
    Date of Patent: July 24, 2018
    Assignee: NextVR Inc.
    Inventors: David Cole, Alan McKay Moss
  • Patent number: 10031964
    Abstract: A method for identifying at least one contact associated with a user and an online communication network. The method may include receiving at least one search term or a social media post entered by the user. The method may also include performing text analytics on the received search term or the social media post to determine at least one subject. The method may further include identifying a plurality of contacts associated with the user, whereby the user and the plurality of contacts are associated with the online communication network. The method may additionally include performing text analytics on a plurality of communications associated with the identified plurality of contacts to determine a plurality of context information. The method may include comparing the determined subject to the determined plurality of context information. The method may include identifying at least one contact within the identified plurality of contacts based on the comparing.
    Type: Grant
    Filed: March 17, 2015
    Date of Patent: July 24, 2018
    Assignee: International Business Machines Corporation
    Inventors: Dhruv A. Bhatt, Kristin E. McNeil, Nitaben A. Patel
  • Patent number: 10025377
    Abstract: A method, computer system, and computer program product for determining an engagement level of an individual is provided. The present invention may include capturing a plurality of image data depicting a relative location of a user. The present invention may also include identifying an individual within the captured image data. The present invention may further include gathering a plurality of engagement level indicator data associated with the identified individual. The present invention may also include calculating a current engagement level of the identified individual using the plurality of gathered engagement level indicator data.
    Type: Grant
    Filed: September 19, 2017
    Date of Patent: July 17, 2018
    Assignee: International Business Machines Corporation
    Inventors: Paul R. Bastide, Matthew E. Broomhall, Robert E. Loredo, Sathyanarayanan Srinivasan
  • Patent number: 10026065
    Abstract: According to certain embodiments of the present invention, a method for coordinating the provision of a digital receipt associated with a financial transaction is provided. According to the method, a digital receipt and an identifier corresponding to the digital receipt are communicated from an acquirer and received at a digital receipt server. The digital receipt and the corresponding identifier may be communicated through a second network, such as the Internet. The digital receipt and the identifier corresponding to the digital receipt are then stored in the digital receipt server. The digital receipt server also receives an inquiry and an identifier corresponding to the inquiry, which are communicated from an issuer. The inquiry and the corresponding identifier may be communicated through the second network. Prior to this, the identifier is transmitted from the acquirer to the issuer, for example, through a first network such as an electronic funds transfer (“EFT”) network.
    Type: Grant
    Filed: April 17, 2017
    Date of Patent: July 17, 2018
    Assignee: INTEGRATED BANK TECHNOLOGY, INC.
    Inventors: Charles W. Capel, Joel Kunze
  • Patent number: 10021563
    Abstract: Various exemplary embodiments relate to a method, network node, and non-transitory machine-readable storage medium including one or more of the following: instructions for obtaining, by a session establishment device, a subscriber record associated with a subscriber based on the session establishment device receiving a request message for establishment of a session with respect to a user device, wherein the request message includes a received subscriber identifier associated with the subscriber and a received equipment identifier associated with the user device, and wherein the subscriber record stores a stored subscriber identifier and a stored equipment identifier; instructions for comparing the received equipment identifier to the stored equipment identifier to determine whether the user equipment is associated with the subscriber in the subscriber record; and instructions for conditionally rejecting establishment of the session based on the determination of whether the user equipment is associated with th
    Type: Grant
    Filed: April 29, 2014
    Date of Patent: July 10, 2018
    Assignee: Alcatel Lucent
    Inventors: Ramaswamy Subramanian, Tiru K. Sheth
  • Patent number: 10019680
    Abstract: A computing device including a processor and memory may receive input from a user to define one or more sequence types, each sequence type based on a time frame. A distributed computing system may receive interaction data on a plurality of computing nodes and describing an interaction event between a customer and an agent. The one or more computing nodes may associate the received interaction event with the customer's identifier in a customer history table, wherein the customer history table stores historical interaction events for the customer. Further, the computing nodes may assign the received interaction event to a sequence, based on the defined one or more sequence types.
    Type: Grant
    Filed: November 24, 2014
    Date of Patent: July 10, 2018
    Assignee: NICE LTD.
    Inventors: Dan Sharon, Eitan Kovacs, Igor Cher
  • Patent number: 10015629
    Abstract: Certain embodiments of the present disclosure provide methods and systems for facilitating mobile device connections using geo data items. The method comprises receiving data packets transmitted over a network from a first mobile device corresponding to a first user. The data packets include a request for a dining companion, user information corresponding to the first user, and geo data items identifying a geo-location associated with the first user. A point-of-interest is determined based on the geo data items. One or more other mobile devices, corresponding to system users, within a bounded geographical area of the point-of-interest, are located based on the request and corresponding geo data items. An aggregated score for each system user is calculated based on user attributes and a connection between the first user and a system user is facilitated by the system if the aggregated score corresponding to the system user meets a predetermined threshold.
    Type: Grant
    Filed: July 22, 2016
    Date of Patent: July 3, 2018
    Inventor: Anantha Pradeep
  • Patent number: 10007904
    Abstract: It is presented a security server arranged to set up communication between a merchant device and a customer payment application. The security server comprises: a receiver arranged to receive a first message comprising a customer identifier, an application identifier and a security token; a determiner arranged to determine whether the merchant device is authorized; a transmitter arranged to send a second message to the merchant device, the second message indicating that the merchant device is authorized to effect payment; and a channel establisher arranged to set up a secure channel between the merchant device and the customer payment application in a secure element being adapted to be comprised in a mobile communication terminal, wherein all communication between the merchant device and the customer payment application is controlled by the security server. Corresponding methods, merchant device, computer programs and computer program products are also presented.
    Type: Grant
    Filed: June 29, 2010
    Date of Patent: June 26, 2018
    Assignee: TELEFONAKTIEBOLAGET LM ERICSSON (PUBL)
    Inventors: Mattias Eld, Petter Arvidsson, Goran Selander
  • Patent number: 10009318
    Abstract: A client may connect to a server over an insecure network by downloading and configuring a secure connection mechanism to the server. The secure connection mechanism may allow the client to join a domain when connected to the server and access domain level services. The server may receive a request from the client, classify the connection type, and used the classification to determine whether the request originated off premises. If so, the server may send a configuration mechanism to the client, which may then establish a secure connection to the server. Once the secure connection is established, the server may join the client to the server's domain and begin secure operations.
    Type: Grant
    Filed: March 14, 2012
    Date of Patent: June 26, 2018
    Assignee: MICROSOFT TECHNOLOGY LICENSING, LLC
    Inventor: Hui Shao
  • Patent number: 10002348
    Abstract: A payment routing and processing platform is configured to collect various attributes for use in identifying an optimal payment processor for a particular payment transaction message. For example, the payment routing and processing platform might identify business attributes, endpoint attributes, customer and transaction attributes, payment method attributes, system attributes, and/or other types of attributes. The payment routing and processing platform might then utilize some or all of the identified attributes to select an endpoint for processing a payment transaction message. The payment routing and processing platform might also utilize some or all of the identified attributes to identify and perform other types of processing of financial transactions. Machine learning techniques might also be utilized to improve the performance of the payment routing and processing platform.
    Type: Grant
    Filed: July 24, 2013
    Date of Patent: June 19, 2018
    Assignee: Amazon Technologies, Inc.
    Inventors: Dennis Scott Doctor, Chelsea Celest Krueger, Tushaar Sethi
  • Patent number: 10002241
    Abstract: A mechanism is provided for managing user accounts used on the data processing system. A first user account and second user account are initialized. Responsive to a user attempting to perform an activity from a user account in a set of user accounts under which the user is currently logged in, a determination is made as to whether an identifier associated with the activity is associated with a set of identifiers of the user account under which the user is currently logged in. Responsive to the identifier associated with the activity being associated with the set of identifiers of the user account under which the user is currently logged in, the user is allowed access to perform the activity. Responsive to the identifier associated with the activity being associated with a set of identifiers of another user account on the data processing system, the activity is denied.
    Type: Grant
    Filed: May 25, 2016
    Date of Patent: June 19, 2018
    Assignee: International Business Machines Corporation
    Inventors: Arkadiusz W. Biegun, Tomasz D. Chmielecki, Bartlomiej T. Malecki
  • Patent number: 10002354
    Abstract: A method and apparatus for facilitating payment transactions in multiple currencies between participants is provided. In one embodiment, an option is provided to a user to select a currency in which to make a payment. An indication of the selected currency in which to make the payment is received. A determination is made as to whether the selected currency is a primary currency of an account of the user. Based on the selected currency being different from the primary currency of the account of the user, the payment is converted to the selected currency.
    Type: Grant
    Filed: April 28, 2014
    Date of Patent: June 19, 2018
    Assignee: PAYPAL, INC.
    Inventors: Giacomo Digrigoli, George Lee
  • Patent number: 9996834
    Abstract: A chargeback settlement processing (CSP) computer system for determining a gain or loss in a chargeback transaction is provided, that includes a memory device and a processor in communication with the memory device. The processor is programmed to transmit to a payment card network for settlement at least one chargeback transaction file corresponding to at least one received chargeback transaction, associated with an original transaction settled using a first currency exchange rate. The at least one chargeback transaction file includes a unique file identifier. A reconciliation message received from the payment card network includes at least one settlement amount, determined at a second currency exchange rate, for the at least one chargeback transaction and the unique file identifier. The at least one chargeback transaction file is matched to the at least one settlement amount, using the unique file identifier, to determine whether a net gain or a net loss occurred.
    Type: Grant
    Filed: March 12, 2013
    Date of Patent: June 12, 2018
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Michael Scott Powell, Jeanne Bernadette Moore, Ricky Eugene Barton
  • Patent number: 9990408
    Abstract: A system for integrated performance measurement environment comprises a plurality of distributed file systems; a database, wherein the database further comprises a layout details table, a layout definition table, and at least one raw data master file; at least one network; an extract-transform-load module in a memory; and a business logic module in the memory, wherein the business logic module further comprises metrics catalog and business intelligent plug-in blocks; and a collaboration module in the memory; and methods performing the same including extracting, transforming, and loading data into the system, retrieving data in accordance with rules in metrics catalog and business intelligent plug-in blocks, drilling down the metrics catalog and business intelligent plug-in blocks, and collaborating over the system.
    Type: Grant
    Filed: November 10, 2016
    Date of Patent: June 5, 2018
    Inventor: Chandra Sekar
  • Patent number: 9992351
    Abstract: Embodiments of the present disclosure provide a recharging method for a virtual identity module, and a device. A first recharge request that is sent by user equipment and carries user account information and recharge information is received; a to-be-recharged virtual identity module and a recharge amount are determined according to the recharge information; a second recharge request is sent to an operations support system of the to-be-recharged virtual identity module, where the second recharge request carries the recharge amount and the user account information, so that the operations support system of the to-be-recharged virtual identity module deducts the recharge amount from an account corresponding to the user account information, and recharges the to-be-recharged virtual identity module. Recharging manners are diversified, and a recharging process is more flexible and convenient.
    Type: Grant
    Filed: November 8, 2013
    Date of Patent: June 5, 2018
    Assignee: Huawei Technologies Co., Ltd.
    Inventors: Zijun Li, Guoqiang Rong
  • Patent number: 9984320
    Abstract: A multi-smartcard may include: a support; a touchscreen disposed on the support configured to receive an input operation from a user including a first input operation and a second input operation; and a processor configured to generate a first user interface (UI) of card information corresponding to the input operation applied to the touchscreen and instruct the touch screen to display the first UI, and to receive the first and second input operations, wherein the processor is configured to change the card category in response to receiving the first input operation and change the card type in response to receiving the second input operation.
    Type: Grant
    Filed: July 14, 2015
    Date of Patent: May 29, 2018
    Assignee: Brilliantts Co., Ltd.
    Inventors: Jae Hun Bae, Jae Ho Bae, Byung Chul Jung
  • Patent number: 9984361
    Abstract: Systems and methods are provided for facilitating alternative payment submissions. According to a one aspect, a selection by a purchaser of one or more items is received, one or more characteristics associated with the purchaser are processed to determine a reliability of the purchaser, and an option to provide payment for the one or more items by way of a first payment method in lieu of a second payment method is selectively provided to the purchaser based on the determined reliability, the second payment method corresponding to a payment method requiring the purchaser to provide banking information and the first payment method corresponding to a payment method not requiring the purchaser to provide banking information. Other embodiments of the various aspects include corresponding systems, apparatus, and computer program products.
    Type: Grant
    Filed: February 14, 2013
    Date of Patent: May 29, 2018
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Leland S. Englebardt, Bruce Owens, Wade N. Plummer
  • Patent number: 9984391
    Abstract: A social networking website logs information about actions taken by members of the website. For a particular member of the website, the website generates socially relevant ads for the member based on the actions logged for other members on the website to whom the member is connected (i.e., the member's online friends). The advertiser associated with the social ad may compensate the social networking website for publishing the ad on the website. When presenting a member with a social ad, the website may optimize advertising revenue by selecting an ad from the received ads that will maximize the expected value of the social ad. The expected value may be computed according to a function that includes the member's affinity for the ad content and the bid amount. The technique is also applied for providing socially relevant information off the social networking website.
    Type: Grant
    Filed: August 9, 2010
    Date of Patent: May 29, 2018
    Assignee: Facebook, Inc.
    Inventors: Timothy A. Kendall, Matthew R. Cohler, Mark E. Zuckerberg, Yun-Fang Juan, Robert Kang-Xing Jin, Justin M. Rosenstein, Andrew G. Bosworth, Yishan Wong, Adam D'Angelo, Chamath M. Palihapitiya
  • Patent number: 9984252
    Abstract: Methods and systems for facilitating the propagation of personal data are provided. Example embodiments provide a Personal Data Propagation Environment (“PDP environment”), which facilitates the propagation of personal data items between secure personal data stores and various consumers of the personal data items. In one embodiment, the PDP environment includes a personal data manager and a personal data subscriber. The personal data manager manages personal data items on a secure data store associated with a user computing device. The personal data manager provides access to personal data items stored on the secure data store in accordance with a personal data subscription associated with the personal data subscriber. This abstract is provided to comply with rules requiring an abstract, and it is submitted with the intention that it will not be used to interpret or limit the scope or meaning of the claims.
    Type: Grant
    Filed: August 24, 2015
    Date of Patent: May 29, 2018
    Assignee: The Titanium Fire Ltd Executive Pension Scheme
    Inventor: Stephen M. Pollard
  • 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: 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: 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: 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: 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: 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: 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: 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: 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: 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: 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: 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: 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: 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: 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: 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: 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: 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