Including Funds Transfer Or Credit Transaction Patents (Class 705/39)
  • Patent number: 10229182
    Abstract: A method for identifying at least one contact associated with a user and an online communication network. The method may include receiving at least one search term or a social media post entered by the user. The method may also include performing text analytics on the received search term or the social media post to determine at least one subject. The method may further include identifying a plurality of contacts associated with the user, whereby the user and the plurality of contacts are associated with the online communication network. The method may additionally include performing text analytics on a plurality of communications associated with the identified plurality of contacts to determine a plurality of context information. The method may include comparing the determined subject to the determined plurality of context information. The method may include identifying at least one contact within the identified plurality of contacts based on the comparing.
    Type: Grant
    Filed: June 25, 2018
    Date of Patent: March 12, 2019
    Assignee: International Business Machines Corporation
    Inventors: Dhruv A. Bhatt, Kristin E. McNeil, Nitaben A. Patel
  • Patent number: 10226704
    Abstract: A method and system to leverage a gaming infrastructure to encourage actions in a non-virtual environment to achieve virtual world benefits, comprising having a participant install an application on smart phone; the participant sets up an account on Gameco servers; application interacts with Gameco servers; Gameco servers provide participant opportunities to acquire virtual world benefits by visiting specific geographic locations which may include businesses; participants visits specified location; and, participant is provided a virtual reward by Gameco.
    Type: Grant
    Filed: January 28, 2016
    Date of Patent: March 12, 2019
    Inventors: Mark Krietzman, Andrew Robinson
  • Patent number: 10223683
    Abstract: A versatile transaction scanner for use in a food and beverage venue, comprising an optical reader and a wireless transceiver, which is adapted to read transaction information encoded within a transaction code, and transmit the transaction information to a point of sale system for processing. The transaction scanner can be used by a user who is a venue staff member to scan transaction codes representing new customer orders which are then received by the point of sale system and prepared by the venue. The transaction information may further contain payment information, allowing the transaction to be processed and completed with a single scan. The transaction scanner may further comprise a vibration mechanism which alerts the user when the customer's order is ready to be served. The transaction scanner may also have an integrated bottle opening mechanism, allowing a bartender to simultaneously take beverage orders and open bottle caps.
    Type: Grant
    Filed: December 5, 2017
    Date of Patent: March 5, 2019
    Inventor: Saverio Dalia
  • Patent number: 10223680
    Abstract: Methods, systems, and computer-readable media for determining whether a check may be cashed at an automated teller machine (ATM) are provided. The ATM may capture check image data from the face of the check and the ATM may transmit the data to a check cashing computing platform. The check cashing computing platform may determine whether the account on which the check is drawn is an account of a first financial institution associated with the ATM, or the account is an account of a second financial institution. A first or second set of rules may be applied to the check based on this determination, to determine an overall check cashing risk score. A determination is then made, based on the overall check cashing risk score, as to whether the check may be cashed or the request to cash the check may be denied.
    Type: Grant
    Filed: June 5, 2015
    Date of Patent: March 5, 2019
    Assignee: Bank of America Corporation
    Inventors: Charles F. Pigg, Paul Cooley, Roberto J. Dominguez, Tommi Levi, Paul Martin Mattison, Sr.
  • Patent number: 10223689
    Abstract: Systems and methods may comprise RFID data acquisition technology which may be embedded in a fob or tag for use in completing financial transactions. This fob may a self-contained device which includes a transponder and which may be contained on any portable form factor. For instance, the tag may be housed in a wearable transaction instrument, such as an activity tracker. The tag is configured to be used in concert with an RFID reader device.
    Type: Grant
    Filed: February 19, 2015
    Date of Patent: March 5, 2019
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Jason E. Muncey, Keshav A. Narsipur, Sreenivasan B. Parameshwara, Manoj Krishnamma Thulaseedharan Pillai
  • Patent number: 10225076
    Abstract: A method and system to securely split a digital promise that is recorded in a blockchain. A digital promise represents a promise by a promisor to pay a promisee an asset when a specified condition is satisfied. The specified condition may be fulfillment of a digital contract, also recorded in the blockchain, to which the digital promise is linked. When splitting a digital promise, a split transaction is recorded indicating a split into a first child digital promise and a second child digital promise. In each child digital promise, the promisor promises to pay a child promisee a portion of the asset when a specified child condition is satisfied. When a digital promise is split, the digital promise itself is no longer payable, but the child digital promises are payable when both the specified condition and the specified child condition for the child digital promise are satisfied.
    Type: Grant
    Filed: February 17, 2017
    Date of Patent: March 5, 2019
    Inventors: Tianqing Leng, Tianhui Leng
  • Patent number: 10223671
    Abstract: Systems, methods and computer program products include capturing a job seeker's résumé, capturing a cached set of job postings from career websites, providing a search tool for the job seeker to find at least one job posting from the cached set of job postings and, in response to a directive from the job seeker, using information from the job seeker's résumé to directly apply for the found job posting on the career website.
    Type: Grant
    Filed: June 30, 2006
    Date of Patent: March 5, 2019
    Assignee: GEOGRAPHIC SOLUTIONS, INC.
    Inventors: Paul Toomey, William Bryan Megargel
  • Patent number: 10217091
    Abstract: Apparatus and methods for pre-provisioning a generic connection to the bank to allow clients to transmit electronic test files. The test files may include one or more transaction requests submitted for processing by the client. Methods may evaluate infrastructure for processing the requested transactions. Methods may include determining a feasibility of the establishing the infrastructure. A phantom acknowledgement may be transmitted to the client before establishing the infrastructure to process the requested transactions.
    Type: Grant
    Filed: February 13, 2015
    Date of Patent: February 26, 2019
    Assignee: Bank of America Corporation
    Inventors: Brian F. Adams, Sharon P. Midkiff, Sorin Cismas, Manu Kurian
  • Patent number: 10210499
    Abstract: Systems and methods for preparing payment requests via cached payee information databases are described. The cached payee database system allows customers of a financial institution to search locally stored payee databases on their mobile devices for payee information. The cache version of the payee database is periodically updated with new and corrected payee information. The cached database system can perform payee searches on a character-by-character basis in real time with minimal delays between searches.
    Type: Grant
    Filed: December 15, 2014
    Date of Patent: February 19, 2019
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Sabitha Dachepalli, Remo DeLeon, Peter Rozovski
  • Patent number: 10210491
    Abstract: Systems and methods are provided for processing objects. For example, a call request message is received, the call request message carrying an identification (ID) of order data associated with one or more objects, the order data including at least a total value of the objects and an ID of a second subject; a first account related to a first subject and a user password related to the first subject are acquired; the first account and the user password and the ID of the order data are sent; the first account and the user password and the ID of the order data are forwarded; and based on at least information associated with the first account and the user password and the ID of the order data, the total value is deducted from a first value included in the first account related to the first subject.
    Type: Grant
    Filed: May 30, 2014
    Date of Patent: February 19, 2019
    Assignee: Tencent Technology (Shenzhen) Company Limited
    Inventors: Xiaolong Zhang, Wa Ye, Peng Liu, Shushen Lu, Xing Liang, Ming Chen
  • Patent number: 10210576
    Abstract: A risk determination computing device for determining a risk of insurance fraud is provided. Additionally, a method for determining a risk of insurance fraud is provided. Further, a computer-readable storage medium having computer-executable instructions embodied thereon for determining a risk of insurance fraud is provided.
    Type: Grant
    Filed: October 23, 2015
    Date of Patent: February 19, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Justin X. Howe, Randy Shuken
  • Patent number: 10210521
    Abstract: When a user enters a resource provider location with a portable communication device, the portable communication device provides an indication to a transaction processing system that the portable communication device is currently at the resource provider location. At a later time when the user conducts a transaction with a portable transaction device, the fact that the user's portable communication device had been detected at the resource provider a short time ago is taken into account as a positive indicator that the transaction is not fraudulent. By verifying that both the portable communication device and the portable transaction device are present at the resource provider, the risk of approving a fraudulent transaction from a stolen portable transaction device can be reduced.
    Type: Grant
    Filed: March 17, 2016
    Date of Patent: February 19, 2019
    Assignee: Visa International Servicer Association
    Inventors: Kim Wagner, John F. Sheets, Mark Nelsen, Jing Jin
  • Patent number: 10198693
    Abstract: Systems and methods for obtaining vehicle operational data and driving context data from one or more monitoring systems, including converting the obtained vehicle operational data and driving context data into sequential vehicle operational feature data and sequential driving context feature data, calibrating the sequential vehicle operational feature data and the sequential driving context feature data temporally to form calibrated sequential vehicle operational feature data and calibrated sequential driving context feature data, constructing a sequence table of temporal sample points based on the calibrated sequential vehicle operational feature data and the calibrated sequential driving context feature data, feeding the sequence table into a deep neural network model for applying network learning to form a trained deep neural network model, extracting driving behavior features from the trained deep neural network model and analyzing the extracted driving behavior features to determine driving behavior char
    Type: Grant
    Filed: October 24, 2016
    Date of Patent: February 5, 2019
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Wei Shan Dong, Peng Gao, Jian Li, Chang Sheng Li, Wen Han Luo, Chun Yang Ma, Renjie Yao, Ting Yuan, Jun Zhu
  • Patent number: 10192210
    Abstract: When a consumer makes a purchase at a POS using a payment provider, the payment provider provides, to the merchant, a consumer identification (ID) and an authorization number, along with the payment approval. After receiving the information from the payment provider, the POS device sends a generated digital or electronic receipt to an email address of the payment provider. The email contains information about the payer and the authorization. Upon receipt, the payment provider may upload the electronic receipt into the consumer's mobile wallet or account using the payer ID and authorization number. As a result, the consumer can easily locate and access a receipt on the consumer's mobile device, such as by accessing the user's mobile wallet or the user's payment provider account on the mobile device, e.g., through a mobile app.
    Type: Grant
    Filed: June 30, 2015
    Date of Patent: January 29, 2019
    Assignee: PAYPAL, INC.
    Inventor: Attaullah Mirza Baig
  • Patent number: 10176489
    Abstract: A transaction is conducted at a merchant location using redeemed loyalty points maintained in a loyalty point account for a customer. The transactions are conducted using a mobile device at a POS terminal. In response to receiving a customer ID from the mobile device, a loyalty server provides the monetary value of loyalty points. The customer may use the mobile device to redeem those points and have the value transferred into a financial account. A payment processing system connected to the POS terminal completes the transaction using the financial account.
    Type: Grant
    Filed: August 21, 2014
    Date of Patent: January 8, 2019
    Assignee: First Data Corporation
    Inventors: Todd Nuzum, Brian Friedman, Virginia G. Sayor
  • Patent number: 10178156
    Abstract: A database system captures custom information of a header section associated with a logged interaction of a user. The database system may receive a hypertext transfer protocol (http) message including the header section and determine whether the header section includes a predetermined data pattern associated with the custom information added by a second application that is different than a first application which initiated the http message. The database system may extract the custom information from the header section in response to determining that the header section includes the predetermined data pattern. The custom information and event data extracted from the logged interaction of the user may be stored on the database system as a storage element.
    Type: Grant
    Filed: April 16, 2015
    Date of Patent: January 8, 2019
    Assignee: SALESFORCE.COM, INC.
    Inventors: Aakash Pradeep, Adam Torman, Alex Warshavsky, Samarpan Jain, Soumen Bandyopadhyay, Thomas William D'Silva
  • Patent number: 10171671
    Abstract: A method of routing a communication of a customer to an appropriate service representative includes, in accordance with an embodiment of the present disclosure, identifying, within a database stored to a server, a customer account associated with the customer. The method also includes analyzing a data fingerprint saved to the customer account, where the data fingerprint comprises data indicative of a plurality of life events associated with the customer. The method also includes determining, via a switch, the appropriate service representative based on the analyzing of the data fingerprint.
    Type: Grant
    Filed: November 10, 2016
    Date of Patent: January 1, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bharat Prasad, Gunjan C. Vijayvergia, Vijay Jayapalan
  • Patent number: 10171245
    Abstract: Methods and systems described herein create a first addressed account and a second addressed account that each have a common identifier and are each associated with a customer. The system can receive an order for exchanging digital transactional items associated with the first addressed account, where the order is associated with the common identifier. A private key associated with the first addressed account can be used to electronically sign a first transaction to transfer the digital transactional items from the first addressed account to the second addressed account, and the same private key can be used to sign a second transaction. After verifying that the first transaction was signed with the same private key as the first transaction, the system authorizes placement of the order on a cryptographic exchange.
    Type: Grant
    Filed: February 5, 2016
    Date of Patent: January 1, 2019
    Assignee: t0.com, Inc.
    Inventors: Alec Wilkins, Eric Nathaniel Fish, Trent Norman Larson, Patrick M. Byrne
  • Patent number: 10169744
    Abstract: A payment system (100) includes a mobile terminal (1) that includes a plurality of payment means that makes payments and a reader/writer (3) that includes an inquiry means configured to sequentially make inquiries to the mobile terminal (1) about each of a plurality of acceptable payment means and accepts a payment with one payment means specified among available payment means found by the inquiry means by using a payment processing means corresponding to the one payment means, and the mobile terminal (1) further includes a mobile application (14) that temporarily disables one or more payment means among the plurality of payment means in response to an external request.
    Type: Grant
    Filed: September 28, 2012
    Date of Patent: January 1, 2019
    Assignee: Rakuten, Inc.
    Inventor: Hideki Akashika
  • Patent number: 10163091
    Abstract: A system for receiving cash deposits at a point of sale includes a processor; a product inventory database; a communication interface; a product inventory item reader; and a purchase instrument reader. The processor is configured to receive a product code from the product inventory item reader; access the product inventory database to recognize the product code as a deposit product code; receive signals indicating an amount of a deposit associated with the deposit product code; receive signals from the purchase instrument reader identifying an account for the deposit; and send signals to a transaction processing network via the communication interface to thereby effect the deposit of the amount into the account.
    Type: Grant
    Filed: January 4, 2016
    Date of Patent: December 25, 2018
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Gunjan Vijayvergia, Bharat Prasad
  • Patent number: 10165056
    Abstract: A user may perform activities at an automated device having various technical features, such as a display, a printer, a camera, a microphone, a speaker, and other features used to perform activities at the automated device. During performance of an activity, the user may run into an issue and request assistance from an agent having a computing device (e.g., a portable computing device). Additionally or alternatively, the automated device may detect the issue and send a request for assistance to a computing device managing a transaction assistance portal or directly to the agent's computing device. The request may identify the user, the activity, and/or the issue, and the agent and his or her computing device may be used to resolve the issue. The agent's computing device may also be used to facilitate customer relationship management with the user.
    Type: Grant
    Filed: June 30, 2015
    Date of Patent: December 25, 2018
    Assignee: Bank of America Corporation
    Inventors: Christian Mande, Mark Williamson, Brendan Watkins, Ryan Furey, Anne Price, Alison Pearce, Michelle Bentubo
  • Patent number: 10157375
    Abstract: A method of processing a transaction between a merchant and a buyer over a communication network is provided. The transaction is processed using one of a plurality of alternative payment options and each of the alternative payment options are provided by one of a plurality of alternative payment providers. Each of the alternative payment providers uses a different alternative payment implementation. The method includes: obtaining transaction information from the merchant; returning a redirection URL and an order identifier to the merchant; obtaining a transaction message from the merchant, where the transaction message specifies the type of operation; performing the operation type specified in the transaction message with the appropriate alternative payment provider; and returning a processing message to the merchant containing the results from performing the operation type specified in the transaction message.
    Type: Grant
    Filed: June 3, 2009
    Date of Patent: December 18, 2018
    Assignee: CardinalCommerce Corporation
    Inventors: Chandra S. Balasubramanian, Michael A. Keresman, III, Eric Goodman, Adam Ratica, Scott Rauhe
  • Patent number: 10152240
    Abstract: A data transaction processing system including multiple transaction processors also includes a resource allocation system that characterizes the transaction processors based on input output electronic data transaction request message patterns associated with the transaction processors. The resource allocation system dynamically allocates computing resources, such as data path bandwidth, processor priority, CPU cores, memory, and processing threads to the various transaction processors and components therein based upon the transaction processor characterizations, improving the overall processing throughput, resource utilization, and efficiency of the multi-transaction processor system.
    Type: Grant
    Filed: October 31, 2016
    Date of Patent: December 11, 2018
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Kyle D. Kavanagh, José Antonio Acuña-Rohter, Viren Soni
  • Patent number: 10152713
    Abstract: Techniques and arrangements for detecting potentially fraudulent transactions made on a point-of-sale (POS) device. In some instances, the POS device may upload a batch of authorization requests corresponding to transactions made on the POS device while the POS device was in an offline mode. A payment service may receive this batch and, as opposed to processing the entire batch, may select a subset for processing. After selecting the subset, the payment service may attempt to authorize payment instruments associated with each transaction of the subset. The payment service may then compare an amount of declined payment instruments to a threshold. If the amount is greater than the threshold, then the payment service may flag the subset and/or the batch as fraudulent and may refrain from processing further transactions of the batch.
    Type: Grant
    Filed: October 9, 2015
    Date of Patent: December 11, 2018
    Assignee: Square, Inc.
    Inventors: Jevin Bhorania, Aimal Mehrabi
  • Patent number: 10147087
    Abstract: Transaction data is obtained relating to a current purchase transaction. An account indicator is retrieved. The transaction data is used to transform the account indicator. The transformed account indicator is encrypted to generate an encrypted account indicator.
    Type: Grant
    Filed: March 6, 2015
    Date of Patent: December 4, 2018
    Assignee: Mastercard International Incorporated
    Inventors: Jason J. Lacoss-Arnold, Chandrasekhar Rao Nadella, Jeffrey L. Altemueller, Ganesh L. Iyer
  • Patent number: 10147074
    Abstract: A network operator intermediates a cashless transaction by sending a payment device issuer an outbound clearing data file enriched with cleansed merchant data. Issuers that choose to participate in the merchant data cleansing service will be provided with the cleansed, and optionally augmented, merchant information. Providing this data to the issuer could be used to help reduce costs associated with “do not recognize” calls by cardholders, disputed charges, and charge-backs. With cleansed data provided in the clearing record, a device holder would be given access to this cleansed information about the merchant where a transaction took place through their statement. The present disclosure also provides for augmenting the clearing record data to include merchant-specific add-on and/or aggregate data not presently included in the transaction clearing record, yet useful to the issuer both in form and content.
    Type: Grant
    Filed: December 23, 2013
    Date of Patent: December 4, 2018
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Bruce William MacNair, Ana Paula Martinez Prada Peyser, Cristobel Kay von Walstrom, Gary Randall Horn, Jason Alexander Kiorosec, Kimberly Ann Martin, Peter Julian Ramon Antonio R. Flor, Raegen Ann-Marie Lang, Richard Thomas Flynn, Todd C. Lowenberg, Thomas Joseph Sellner
  • Patent number: 10140598
    Abstract: In order to make it more difficult to obtain numbers that can be used to conduct fraudulent transactions, a portion of a real account number is encrypted. The encrypted portion of the account number is used to generate a new account number, a new expiration date, and a new verification value. This information can be determined using processor that may reside in a point of sale terminal, a smart card, or a computer operated by a user. The new account number, the new expiration date, and the new verification value can be used in a payment transaction. A server computer in a central payment processing network may determine that the new account information is not the real account information, and may subsequently generate a modified authorization request message using the real account information and may send it to an issuer for approval. The transmission of data is more secure, since real account information is not sent from the merchant to the payment processing network.
    Type: Grant
    Filed: May 12, 2010
    Date of Patent: November 27, 2018
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Patrick Faith, Krishna Prasad Koganti
  • Patent number: 10140658
    Abstract: A computerized method for managing a user account includes receiving a transfer of funds into a user account, and purchasing a commodity or valuable asset to back the funds. The method further includes tracking a value of the commodity or valuable asset, and increasing or decreasing a value of the funds based on the value of the commodity or valuable asset. The user account is accessible via a computer network for making purchases or an additional transfer of the funds to another user account. The commodity may be gold, silver, or platinum bullion. The valuable asset may be a stock or bond.
    Type: Grant
    Filed: June 9, 2014
    Date of Patent: November 27, 2018
    Inventor: Mehran Bagherzadeh
  • Patent number: 10134396
    Abstract: In some implementations, a method is performed by computing devices, and includes receiving a first message indicating that an improper voice command has been detected by a first device, identifying a user account associated with the first device based on the first message, identifying a second device associated with the user account, and, in response to receiving the first message indicating that the voice command detected by the first device is improper, sending a second message to the second device, the second message indicating that the voice command should not be performed.
    Type: Grant
    Filed: December 7, 2016
    Date of Patent: November 20, 2018
    Assignee: Google LLC
    Inventors: Lee Campbell, Samuel Kramer Beder
  • Patent number: 10134018
    Abstract: In the field of banking and financial services, a flexible Open Origination allows any type of mobile, internet, online, personal financial management software, finance tool, or other useful function, device or software, that a bank or financial institution provides to account holders, and offers that same functionality that allows any user regardless of account status. Non-account holders can download and utilize the Banking Software in question in order to enjoy its features, an in order to become familiar with the experience of doing business with the bank or financial institution that provides the software. This method, system and software allows any user, regardless of where his/her accounts are located, to use the software and benefit from its functionality.
    Type: Grant
    Filed: March 8, 2013
    Date of Patent: November 20, 2018
    Assignee: MX TECHNOLOGIES, INC.
    Inventor: John Ryan Caldwell
  • Patent number: 10129263
    Abstract: A tokenization system that includes a tokenizer, a token and alias directory, and a network node. The tokenizer is configured to generate tokens. The token and alias directory is configured to store tokens. The network node is configured to receive user information for a user and to determine a membership for an institution associated with the user based on the user information. The network node is configured to send an authorization request to an authorization processor in response to determining that the membership for the institution associated with the receiver indicates an in-network institution and to receive an authorization approval in response to sending the authorization request. The network node is further configured to send a token request to the tokenizer, to receive a token in response to the token request, and to store the token in the token and alias directory.
    Type: Grant
    Filed: May 11, 2016
    Date of Patent: November 13, 2018
    Assignee: Bank of America
    Inventors: Richard H. Thomas, Joseph B. Castinado
  • Patent number: 10121130
    Abstract: A system and method in accordance with example embodiments may include third party payments with non-integrated merchants. A system and method in accordance with example embodiments may utilize a plug in or application to intercept retailer data from a third party, analyze data, and present information to a customer based on the intercepted data and the analysis.
    Type: Grant
    Filed: March 12, 2014
    Date of Patent: November 6, 2018
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: David A. Pinski, Audrey L. Utis
  • Patent number: 10115154
    Abstract: A computer-implemented method for identifying accounts with which an individual does business. The computer receives an access credential for at least one message source and analyzes a plurality of messages in the message source. From the analysis, a plurality of institutions are identified and a system account is created on the computer that is preloaded with the institutions.
    Type: Grant
    Filed: January 18, 2012
    Date of Patent: October 30, 2018
    Inventors: Martin Claude Lefebvre, Daniel Troy Doles
  • Patent number: 10115160
    Abstract: A system for dynamic currency conversion is provided. The system includes a bank identifier system determining whether currency conversion is available for a card-issuing bank of a presented card, such as by comparing a bank identifier from the card with a list or table of participating banks. An exchange rate system determines whether an exchange rate has expired, such as an exchange rate associated with the foreign currency of the card-issuing bank. The card holder is presented with an option for selecting a foreign currency transaction after it is determined that currency conversion is available for the card-issuing bank and that the exchange rate has not expired, such that the card holder does not need to see such information unless foreign currency processing is available.
    Type: Grant
    Filed: February 18, 2014
    Date of Patent: October 30, 2018
    Assignee: PAYMENTECH, LLC
    Inventors: Michael K. Nicholls, Lester S. Maragh, Joan DeTemple, Rosemary R. Thomas, Zunoraine Holmes, George E. Wilcox, Keeley M. Sapienza, Lubna Shad
  • Patent number: 10116532
    Abstract: A cloud-based operator interface system is provided that runs as a cloud service on a cloud platform. The cloud-based operator interface system collects industrial data from one or more industrial systems via respective cloud gateway devices. A set of predefined operator interface screens are stored on cloud storage associated with the operator interface system, and delivered to authorized Internet-capable client devices upon request. The industrial data received from the cloud gateways can be delivered to the client devices from the cloud platform via the operator interface screens. Additional cloud-side services can correlate and analyzes the industrial data on the cloud platform to facilitate additional reporting, alarming, and notification features.
    Type: Grant
    Filed: September 28, 2016
    Date of Patent: October 30, 2018
    Assignee: Rockwell Automation Technologies, Inc.
    Inventors: Douglas C. Lawson, Douglas J. Reichard, Joseph A. Harkulich, Rainer Hessmer, Sujeet Chand, David W. Farchmin, Michael John Pantaleano
  • Patent number: 10108937
    Abstract: The present invention relates to a method of registering a membership for an electronic payment, a system for same, and an apparatus and a terminal thereof.
    Type: Grant
    Filed: September 4, 2012
    Date of Patent: October 23, 2018
    Assignee: SK PLANET CO., LTD.
    Inventors: Won Jun Lee, Dong Phil Lim, Hye Youn Chung, Jong Ho Kim, Se Hyun Kim
  • Patent number: 10110340
    Abstract: Novel apparatus and methods for generating and transmitting an interruption signal to a request for a substantially autonomous vehicle taxi-service based on user-supplied input are presented. The disclosure provides an efficient technique for interrupting an initial request for a substantially autonomous vehicle taxi-service and in some embodiments, further enables for the rescheduling of the request for a substantially autonomous vehicle taxi-service to a future point in time based upon user supplied input.
    Type: Grant
    Filed: June 4, 2017
    Date of Patent: October 23, 2018
    Assignee: CLEAR COMMUTE HOLDINGS
    Inventors: Ben Mandeville-Clarke, Danum Harris-Lusk
  • Patent number: 10108714
    Abstract: The present disclosure relates generally to the field of segmenting social media users (such as users of a social media network) by means of life event detection (such as based upon social media messages and/or postings) and entity matching. In various embodiments, systems, methods and computer program products are provided.
    Type: Grant
    Filed: December 22, 2015
    Date of Patent: October 23, 2018
    Assignee: International Business Machines Corporation
    Inventors: Paulo R. Cavalin, Maira Gatti De Bayser, Joao P. Forny De Melo, Claudio S. Pinhanez
  • Patent number: 10101974
    Abstract: An application development platform transmits to a content provider system instructions that provide a user interface for developing an application that specifies a first multi-step communication flow between a communications device and a communications system. The platform receives from parameters of a program functionality for inclusion in the application, and selects one or more recommended program modules based on the parameters. The platform transmits instructions that provide a user interface for displaying the one or more recommended program modules. The platform receives data indicating a user selection of a particular program module. In response, the platform transmits instructions that provide a user interface for enabling user configuration of the particular program module.
    Type: Grant
    Filed: July 31, 2014
    Date of Patent: October 16, 2018
    Inventors: Herbert Ristock, Petr Makagon, Josh Mahowald, Praphul Kumar
  • Patent number: 10102578
    Abstract: Various embodiments are generally directed to techniques for automated call cross trade imbalance execution. Techniques described herein may provide an automated crossing solution for buy-side clients that limits position information to banks and individuals prior to setting a benchmark rate for foreign exchange. In some embodiments, clients may roll forward spot trades with a chosen counterparty bank, which is then sent to a centralized, automated, bank platform. Techniques described herein may offer a multi-bank platform solution that accepts trades, validates trades, performs credit checks, and executes trades in a manner that limits knowledge of position information prior to setting a benchmark rate. Further, proposed techniques include determining a trade imbalance and automatically executing the determined trade imbalance in a manner such that market impact is minimalized.
    Type: Grant
    Filed: March 20, 2015
    Date of Patent: October 16, 2018
    Assignee: STATE STREET BANK AND TRUST COMPANY
    Inventors: Alan F. McKenzie, Mark Snyder, Harsha Bhat
  • Patent number: 10102557
    Abstract: The invention is incorporated into an interactive web data seller widget that enables any ecommerce site to provide access to and from large, remotely stored databases to its web visitors and for those visitors to prospect/filter within the databases, for example both via geographic and demographic criteria. Users can find, for example, appropriate geographic and demographic matches to any applicable search criteria. Additionally the invention enables the web visitor to order as a deliverable subset of the remotely stored database a detailed list of the required database subset and for the ecommerce site to sell that data subset to the visitor via a web shopping cart and checkout process. And the invention enables the web visitor to preview the selected subset of data from any database prior to placing an order for the same.
    Type: Grant
    Filed: November 18, 2010
    Date of Patent: October 16, 2018
    Inventor: Joel Brown
  • Patent number: 10097629
    Abstract: A recommendation for a user is generated in response to a user request. The recommendation can pertain to whether a user should download and install a mobile device application and is based on a number of responses received from other mobile devices within a specified distance from the mobile device at which the recommendation was requested. Recommendations can also be requested and generated by various other devices in machine-to-machine networks. Recommendations can pertain to policy enforcement and device component performance or operation.
    Type: Grant
    Filed: October 16, 2016
    Date of Patent: October 9, 2018
    Assignee: AT&T INTELLECTUAL PROPERTY I, L.P.
    Inventors: Wei Wang, Cristina Serban
  • Patent number: 10086287
    Abstract: A method to leverage a gaming infrastructure to encourage actions in a non-virtual environment to achieve virtual world benefits, the method may include participant installs an application on smart phone; the participant sets up an account on Gameco servers; application interacts with Gameco servers; Gameco servers provide participant opportunities to acquire virtual world benefits by completing certain real world activities or choices; participants acts or choses; and, participant is provided a virtual reward by Gameco.
    Type: Grant
    Filed: January 28, 2016
    Date of Patent: October 2, 2018
    Inventors: Mark Krietzman, Andrew Robinson
  • Patent number: 10089676
    Abstract: A service provider system may implement an enterprise catalog service that manages software products and portfolios of software products on behalf of service provider customer organizations. A graph processing service of the enterprise catalog service may create a graph representation of the enterprise catalog service data, including principals, product listings, portfolios, and constraints (and the relationships between them) that may be used to manage access control, launch contexts, and searches within the enterprise catalog service. A primary (key-value) store may maintain an adjacency list and a secondary index of de-normalized edges. A secondary (document) store may maintain the de-normalized edges. In response to various queries directed to the graph processing service, the service may query the adjacency list or the secondary index. For example, one query may return a list of products that an end user can access, and another may return a count of products within a portfolio.
    Type: Grant
    Filed: December 18, 2014
    Date of Patent: October 2, 2018
    Assignee: Amazon Technologies, Inc.
    Inventors: Divij Gupta, Quan Binh To, Julien Jacques Ellie, Benjamin David Newman, Zachary Thomas Crowell
  • Patent number: 10089626
    Abstract: The disclosed embodiments include methods, systems, system terminals, and point-of-sale terminals for authenticating a user. The disclosed embodiments include, for example, a method for receiving, by one or more processors, authentication data from an authentication network, the authentication data including an authentication code identifying an authentication transaction associated with an authenticating partner system. The method may also include validating, by the one or more processors, the authentication data, the validating comprising comparing the authentication data with validation data corresponding to a prior authentication event associated with the user. The method may also include generating, by the one or more processors, validation information based on the validating, the validation information comprising a determination whether to validate the user for the authentication transaction.
    Type: Grant
    Filed: June 23, 2015
    Date of Patent: October 2, 2018
    Assignee: The Toronto-Dominion Bank
    Inventors: Prabaharan Sivashanmugam, Lauren Van Heerden, Michael D. Cummins, Orin Del Vecchio, Gunalan Nadarajah, Edward Lounsbury, Paul Mon-Wah Chan, Jonathan K. Barnett, Ashraf Metwalli, Jakub Danielak
  • Patent number: 10089486
    Abstract: A method for transaction registration is described herein. The method includes sending, for a transaction manager, a registration request for a transaction. The method also performing data accesses on a data server. The registration request is non-blocking to the data accesses. The method further includes performing a two-phase commit process for the data server if the registration request is accepted. Additionally, the method includes handling the rollback if the transaction registration is rejected.
    Type: Grant
    Filed: October 31, 2013
    Date of Patent: October 2, 2018
    Assignee: Hewlett Packard Enterprise Development LP
    Inventors: Shang-Sheng Tung, Sean L. Broeder, Ronald M. Cassou, John Stewart de Roo, Gary Stephen Smith
  • Patent number: 10084738
    Abstract: A system and method for receiving and executing emoji based commands in messaging applications. The system and method may include processes such as identifying emojis in a message, determining one or more action based on the emoji, and completing the determined actions.
    Type: Grant
    Filed: January 8, 2016
    Date of Patent: September 25, 2018
    Assignee: PAYPAL, INC.
    Inventors: Poornima Venkatakrishnan, Megan Marie O'neill
  • Patent number: 10082892
    Abstract: Button functionalities for user interfaces, e.g., for use with a portable multifunction device, are disclosed. Exemplary button functionalities are described for an electronic device with a display, a rotatable and depressible input mechanism, and/or a button. Different device features may be accessed, depending on whether the rotatable and depressible input mechanism or the button is activated, and further depending on whether the activation represents a single press, a double press, or an extended press on the rotatable and depressible input mechanism or the button.
    Type: Grant
    Filed: March 6, 2015
    Date of Patent: September 25, 2018
    Assignee: Apple Inc.
    Inventors: Christopher Patrick Foss, Anton M. Davydov, Dylan Ross Edwards, Imran Chaudhri, Alan C. Dye, Jonathan P. Ive, Stephen O. Lemay, Kevin Lynch, Lawrence Y. Yang
  • Patent number: 10083385
    Abstract: An account is managed using information read from a dual frequency transponder. Information stored on the dual frequency transponder can be read by a NFC-enabled device and by a UHF RFID reader. The information links, corresponds, or otherwise provides access to account information stored at a remote server. For example, a NFC-enabled device can read the information from the dual frequency transponder and use that information to enable instant and on-the-spot recharging of a toll account. In addition, a UHF RFID toll reader can scan information from the dual frequency transponder and use that information to debit toll charges from the correct toll account. The dual frequency transponder can be embedded in a license plate and read using a reader placed in the road. Additionally, the transponder can be configured to function at the correct frequency only when a valid vehicle registration sticker is applied to the license plate.
    Type: Grant
    Filed: April 10, 2015
    Date of Patent: September 25, 2018
    Assignee: Neology, Inc.
    Inventors: Francisco Martinez de Velasco Cortina, Joe Mullis, Manfred Rietzler, Sheshi Nyalamadugu, Rodolfo Monsalvo
  • Patent number: 10074091
    Abstract: A dynamic personalizable automated finance management system that provides a financial management platform that enables users to easily generate a plurality of customized rules or conditions associated with one or more accounts thereby creating account plans that intelligently and passively execute the transfer of funds among accounts. The rules with a plan are able to define if, how much, when and where to transfer money to and from the accounts based on user entered criteria or triggers upon which the rules/conditions are based.
    Type: Grant
    Filed: October 8, 2015
    Date of Patent: September 11, 2018
    Assignee: Paymation, Inc.
    Inventor: Khellar Sean Crawford