Including Funds Transfer Or Credit Transaction Patents (Class 705/39)
  • Patent number: 11044272
    Abstract: A blockchain may store transactions which should were not intended to be recorded due to inappropriate content or unwanted subject matter submitted by malicious users. A method may also include one or more of identifying a blockchain transaction, processing content of the blockchain transaction to identify prohibited content, and determining whether to approve or disapprove the blockchain transaction based on the content of the blockchain transaction.
    Type: Grant
    Filed: November 3, 2018
    Date of Patent: June 22, 2021
    Assignee: International Business Machines Corporation
    Inventors: Sheehan Anderson, Binh Q. Nguyen
  • Patent number: 11042867
    Abstract: A system, a medium, and a method are provided to exchange data packets over a communications network and perform machine learning operations. A network server device receives account data from client devices that correspond to account profiles. An account engine of the network server device segments the account profiles into profile groups based on a respective balance associated with each account profile. The account engine determines target accounts from profile groups based on behavioral data. Further, data processing components of the network server device determine a method of contact for each target account. The data processing components determine a respective time to communicate with a respective device for each target account. Further, communication components of the network server device initiate communications to the respective devices at the respective times for each target account.
    Type: Grant
    Filed: October 14, 2019
    Date of Patent: June 22, 2021
    Assignee: PAYPAL, INC.
    Inventors: Fransisco Kurniadi, Yaqin Yang
  • Patent number: 11042892
    Abstract: A reward card platform includes a database storing funding accounts, reward card purchase transactions, reward card brand options, and denomination options. The platform provides a user interface for purchasing reward cards from multiple third party suppliers. The user interface commits reward card purchase transactions using the funding accounts and specified reward card brand and denomination options. The platform obtains reward card items from supplier APIs corresponding to specified reward card brand and denomination options. The platform includes a buffer storing reward card inventory items.
    Type: Grant
    Filed: February 11, 2019
    Date of Patent: June 22, 2021
    Assignee: Tango Card, Inc.
    Inventors: J J Zabkar, Israel E. Evans, James A. Johnston, Gregory S. Lee, Chek T. Lim
  • Patent number: 11042513
    Abstract: Tagging a resource in a network with a tag belonging to a tag type includes creating, using a processor, a tag and relating the tag to the resource, categorizing the tag into a tag type, registering the tag type in a registry, associating tag type attributes to the tag type, associating a subset of the tag type attributes of the tag type to the tag, and associating a tag type attribute value to each member of the subset of the tag type attributes of the tag. The tag, the tag type, the subset of tag type attributes of the tag, and associated tag type attribute values are stored. Using the processor, a dynamically linkable executable program logic is triggered based on the subset of tag type attributes and the tag type attribute values.
    Type: Grant
    Filed: January 3, 2013
    Date of Patent: June 22, 2021
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Izidor Jager, Michael Junginger, Andreas Nauerz, Thomas Steinheber
  • Patent number: 11042943
    Abstract: The disclosed embodiments include methods and systems for providing digital identification cards are disclosed. In one aspect, the disclosed embodiments may provide digital identification cards, such as proof of insurance cards, to mobile devices that are compliant with one or more standards set by identification-requiring organizations, such as a department of motor vehicles. Certain disclosed embodiments may update digital identification cards based on changes to user information or formatting information associated with one or more identification-requiring organizations.
    Type: Grant
    Filed: April 16, 2019
    Date of Patent: June 22, 2021
    Assignee: Government Employees Insurance Company (GEICO)
    Inventors: Peter Meoli, Matthew Slocum, Anthony James, Derek Switzer
  • Patent number: 11042814
    Abstract: A computer system can perform a semi-supervised machine learning processes to cluster a plurality of entities within a population based on their features and associated labels. The computer system can generate visualization data representing the clusters of entities and associated labels for displaying on a user interface. A user can review the clustering of entities and use the user interface to add or modify the labels associated with a particular entity or set of entities. The computer system can use the user's feedback to update the labels and then re-determine the clustering of entities using the semi-supervised machine learning process with the updated labels as input. As such, the computer system can use the user's feedback to improve the accuracy of the machine learning model without requiring a larger amount of labeled input data.
    Type: Grant
    Filed: March 17, 2017
    Date of Patent: June 22, 2021
    Assignee: Visa International Service Association
    Inventors: Liang Gou, Hao Yang
  • Patent number: 11034256
    Abstract: A method for controlling a state of charge of an energy storage device of a motor vehicle. A control device receives a first operator control signal and, only if the first operator control signal is received by a first operator control element of an operator control device and describes a user request to change a state of charge, a first operating mode of the control device is activated, whereby the control device is coupled to a power control device. A second operating mode of the control device, in which the control device is coupled to a monetarization device, is activated only if the first operator control signal is received by a second operator control element of the operator control device, the signal describing a user request to transmit a monetary value to a data server device external to the motor vehicle.
    Type: Grant
    Filed: April 4, 2017
    Date of Patent: June 15, 2021
    Assignee: AUDI AG
    Inventors: Matthias Wunderlich, Christian Wall
  • Patent number: 11037114
    Abstract: A financial transaction computing system can include an ATM and a prestaging module. The ATM can have one or more processors, a first transceiver, one or more cash cassettes, a slot exposed on an exterior of the ATM and communicating with the one or more cash cassettes, and a banknote dispensing module at least configured to move banknotes from the one or more cash cassettes to the slot. The pre-staging module can have one or more processors, a first memory, and a second transceiver. The pre-staging module can also be configured to communicate with the ATM over a wireless public network to receive a token from the ATM over the wireless public network. The pre-staging module can be configured to retrieve a pre-staged transaction from the first memory in response to receiving the token from the ATM.
    Type: Grant
    Filed: December 28, 2018
    Date of Patent: June 15, 2021
    Assignee: Diebold Nixdorf, Incorporated
    Inventors: David William Kuchenski, Richard Harris, Robert Konecny
  • Patent number: 11038718
    Abstract: A method and apparatus for providing communications between dissimilar computing networks, such as distributed ledger networks. A ledger-agnostic overlay network and computing architecture spans a range of digital communication networks including transaction only DLT networks like Bitcoin's DLT, smart contract based DLT like Ethereum, and also traditional centralized systems. Implementations communicate transaction information across heterogeneous jurisdictional boundaries, payment networks, banking systems, public and private distributed ledgers, internal corporate accounting systems, and exchanges.
    Type: Grant
    Filed: April 29, 2020
    Date of Patent: June 15, 2021
    Assignee: SECURRENCY, INC.
    Inventors: George Daniel Doney, Illya Shkapo
  • Patent number: 11037132
    Abstract: Provided is a first mobile device having a card shape, the first mobile device including a storage unit configured to store one or more pieces of card payment information; a payment information transmission unit configured to transmit at least one of the one or more pieces of card payment information in a contact or contactless manner to a payment terminal; and a controller configured to determine whether the first mobile device is in a detached state with respect to a second mobile device or a cover of the second mobile device, and to determine whether to transmit the at least one of the one or more pieces of card payment information, based on the determination of whether the first mobile device is in the detached state.
    Type: Grant
    Filed: February 2, 2016
    Date of Patent: June 15, 2021
    Assignee: Samsung Electronics Co., Ltd.
    Inventors: Shi-yun Cho, Moon-joo Lee, Hee-seok Jeong
  • Patent number: 11037117
    Abstract: A payment bill query request initiated by a user through a third-party payment platform is obtained at a payment platform server. Whether a payment institution has generated a payment bill for the user is determined based on the payment bill query request, where the payment institution does not provide the third-party payment platform with bill generation information. If so, user information associated with the user is obtained by the payment platform server and based on the payment bill. Whether information for notification that the payment institution has generated the payment bill for the user has been pushed to the region that the user belongs to is determined. If not, the information for notification that the payment institution has generated a payment bill is pushed to each user associated with the third-party payment platform within the region that the user belongs to through an account of the third-party payment platform.
    Type: Grant
    Filed: May 11, 2020
    Date of Patent: June 15, 2021
    Assignee: Advanced New Technologies Co., Ltd.
    Inventors: Wenjun Gu, Qin Zhu
  • Patent number: 11037254
    Abstract: In some examples, a service device may receive, from buyer applications on respective buyer devices, communications indicating a number of times item information about a first item is presented in user interfaces on the buyer devices. The service device may further receive respective orders through the user interfaces, for the first item or other items. The service device may compare the number of times the item information about the first item is presented in the respective user interfaces to a number of times the buyer applications are used to place orders for the first item to determine a value for the first item. In addition, the service device may send, to a merchant device, a communication indicating an amount of the first item determined for the merchant based at least in part on the value determined for the first item.
    Type: Grant
    Filed: June 11, 2019
    Date of Patent: June 15, 2021
    Assignee: DOORDASH, INC.
    Inventor: Avlok Kohli
  • Patent number: 11037202
    Abstract: There are provided systems and methods for contextual data in augmented reality processing for item recommendations. A first user may provide a recommendation to a second user of an item viewed by the first user through a communication device. The first user may tag the item, for example, through voice input or visual cues while viewing the item at a physical merchant location, or through menu selections within an interface displaying a browsing window of the first user. The first user may provide contextual data that may be used to determine that the first user is recommending the item to the second user, such as voice data that includes an identifier for the second user or visual cues within audiovisual content captured of the item at the physical merchant location. During online browsing, the first user may provide the contextual data through actions, menus selections, and data entry.
    Type: Grant
    Filed: December 27, 2016
    Date of Patent: June 15, 2021
    Assignee: PAYPAL, INC.
    Inventors: Akshay Sanjeevaiah Krishnaiah, Cheng Tian
  • Patent number: 11030620
    Abstract: Techniques are described for executing a bot platform configured to track real-time status of payment transactions for a business. The techniques enable reconciliation of a specific transaction to its actual payment status on the business's designated bank account. The bot platform may be executed on one or more computing devices associated with the business or a third-party. In some examples, an order bot is instantiated on the bot platform for a specific transaction and communicates with other bots on the bot platform that track the status of the specific transaction through each of the constituent parts of the payment process (i.e., authentication, capture, settlement, and disbursement). These other bots may communicate with one or more credit card processors and/or one or more credit card companies to determine the status of the specific transaction. The order bot may capture and log this information and provide status updates to the business.
    Type: Grant
    Filed: August 1, 2017
    Date of Patent: June 8, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Vincent Le chevalier
  • Patent number: 11030628
    Abstract: A payment request is transmitted by a computing device to a merchant server. A message is received by the computing device and from a payment server different from the merchant server. The message includes a payment client application associated with the payment sever and the payment request. A notification, associated with the message, is displayed by the computing device. The payment client application is launched, by the computing device, based on a user selection in response to the notification.
    Type: Grant
    Filed: November 2, 2017
    Date of Patent: June 8, 2021
    Assignee: Advanced New Technologies Co., Ltd.
    Inventor: Jun Wang
  • Patent number: 11023885
    Abstract: The present disclosure relates to a system, method, and computer program for securely transmitting and presenting payment card data in a web client. Payment card information is securely transmitted form a payment card server to a sandboxed container object on a webpage. The payment card sever is PCI compliant and independent of the webserver that provided the webpage to the web client. A sandboxed payment-card client, executing within the sandboxed container object on the web page, establishes a secure communication session with the payment-card sever. The payment-card server transmits payment card data to the sandboxed payment-card client, which displays the payment card data in the sandboxed container object (or in a plurality of sandboxed container objects). The website's webserver is bypassed in communications between the payment-card server and the sandboxed payment-card client.
    Type: Grant
    Filed: June 30, 2017
    Date of Patent: June 1, 2021
    Assignee: Marqeta, Inc.
    Inventors: Anaximandro A. Davila, Daniel Osburn, Anthony Ford, David Matter
  • Patent number: 11023915
    Abstract: A method is disclosed. The method includes receiving an authorization request message for a transaction from an access device. The authorization request message includes a value and an account identifier. The user device is used by a user to conduct a transaction with the resource provider. The method also includes determining an activity metric associated with the user of the user device, determining a value alteration based at least in part on the activity metric, and applying the value alteration to the value for the transaction.
    Type: Grant
    Filed: January 6, 2017
    Date of Patent: June 1, 2021
    Assignee: Visa International Service Association
    Inventors: Santosh Lachhman Achhra, Stanislav Tsikine, Tarun Jain
  • Patent number: 11023907
    Abstract: A first plurality of consumers having a target event is identified. A first dataset and a second dataset for the first plurality of consumers are received. The first dataset comprises first transaction card data for each consumer in the first plurality of consumers for a first time period, where the first time period is prior to the target event. The second dataset comprises second transaction card data for each consumer in the first plurality of consumers during a second time period, where the second time period is after the target event. A first score for each consumer is calculated using the first transaction card data and a second score for each consumer is calculated using the second transaction card data. The first score is compared to the second score for each consumer. In response to a determination that the second score is a threshold lower than the first score, one or more consumers are identified as high dormancy risk.
    Type: Grant
    Filed: September 5, 2019
    Date of Patent: June 1, 2021
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Amitava Dutta, April Pabale Vergara, Abhisek Ghosh
  • Patent number: 11025644
    Abstract: A content request communication, e.g., generated using a first processor of a device, can be transmitted to a web server. A response communication including content identifying a first value can be received from the web server. The first processor can facilitate presentation of the content on a first display of the device. A communication can be received at a second processor of the device from a remote server. The communication can include data representing a second value and can be generated at the remote server using information received from the web server. Further, the second processor can produce a secure verification output that can be presented on a separate, second display, representing at least the second value. The presentation on first display can at least partially overlap in time with the presentation on the second display.
    Type: Grant
    Filed: July 11, 2019
    Date of Patent: June 1, 2021
    Assignee: Apple Inc.
    Inventors: Gianpaolo Fasoli, Matthew C. Byington, Christopher Sharp, Anton K. Diederich, Nicholas J. Shearer, Roberto G. Yepez, Petr Kostka, Gianluca Barbieri, Abhinav Gupta
  • Patent number: 11017378
    Abstract: An electronic device is provided. The electronic device includes a display configured to display information, an input device configured to receive a user input, an image sensor, a processor electrically connected with the display, the input device, and the image sensor, and a non-transitory computer readable storage medium electrically connected with the processor that stores instructions that cause the processor to control the display to display first-level information as a locking mode is partially released when partial authentication passes based on bio-information acquired through the image sensor in a state in which the electronic device is in the locking mode, and control the display to display second-level information having a security level higher than a security level of the first-level information as the locking mode is fully released when full authentication passes based on a user input made through the input device.
    Type: Grant
    Filed: July 13, 2018
    Date of Patent: May 25, 2021
    Inventors: Yoon Ho Lee, Hyun Kim, Byung In Yu
  • Patent number: 11016760
    Abstract: Methods and systems are provided that may be utilized to detect occurrence of one or more specified circumstances. A determination may be made as to whether one or more specified circumstances are detected such as responsive to one or more user actions or an occurrence of an event unrelated to a user. One or more binary digital signals may be generated to store a detection of one or more specified user circumstances in a log or memory at least partially in response to detection of the one or more specified circumstances.
    Type: Grant
    Filed: November 14, 2019
    Date of Patent: May 25, 2021
    Assignee: Factual Inc.
    Inventors: Bradley Geilfuss, Chris Bleakley, Arthur Wolf, Evan Gamble, Wesley Henderson, Chen Guo, Yajia Yang, Boris Shimanovsky
  • Patent number: 11014375
    Abstract: A shell for a portable telecommunication system (3) comprises a surface defining a hollow volume, suitable for being mechanically connected in a removable manner to a portable telecommunication system (2), said portable telecommunication system (2) being able to be inserted, at least partially, in the hollow volume, said portable telecommunication system (2) comprising a memory suitable for storing a computer document, the shell being characterized in that it comprises a communication unit suitable for receiving a document stored in the memory from the portable telecommunication system (2), and a miniature printing device (1) for documents, suitable for receiving said computer document via the communication unit and for printing same.
    Type: Grant
    Filed: May 15, 2020
    Date of Patent: May 25, 2021
    Assignee: QuickerPics, LLC
    Inventors: David Zhang, Clement Perrot, Robin Barata
  • Patent number: 11019010
    Abstract: A system comprises a delivery entity operating to deliver a package at a predetermined time from a first person to a second person and to provide an electronic communication between the first person and the second person that is commensurate with the delivery. An electronic display for displays a first message of the electronic communication from the first person to the second person commensurate with the predetermined time of the delivery of the package to the second person and a transmitter configured to generate and output a second message of the electronic communication generated by the second person during delivery of the package and in response to the displayed first message. An exception handling device controls the delivery entity when an unexpected event disrupts the commensurate delivery with the electronic communication, and generates and outputs instructions to the delivery entity to change the predetermined delivery time to a new delivery time.
    Type: Grant
    Filed: January 12, 2018
    Date of Patent: May 25, 2021
    Assignee: Walmart Apollo, LLC
    Inventors: John J. O'Brien, V, Donald R. High
  • Patent number: 11011134
    Abstract: A non-transitory storage medium encoded with an information processing program executed by a computer of an information processing apparatus connected to a display including first and second display areas according to one aspect, the information processing program causing the computer to perform first representation processing for showing a first image in the first display area and second representation processing for showing a second image in the second display area. In the second representation processing, a color of the second image in the second display area is changed based on the first image shown in the first display area.
    Type: Grant
    Filed: December 19, 2017
    Date of Patent: May 18, 2021
    Assignee: Nintendo Co., Ltd.
    Inventors: Tomoyoshi Yamane, Gwennael Arbona
  • Patent number: 11010729
    Abstract: A computer-implemented process, system, and computer readable medium are provided for administration and governance of fiat and cryptocurrency funds in a distributed computer system. In one example, a process includes, at an electronic device with one or more processors and memory, accessing a list of a plurality of participant nodes, which may include a fund administrator receiving a list of participants or nodes. The method further includes transferring crypto-currency (e.g., that is pegged to U.S. dollars, local currency, or the like) to one or more of the participant nodes. Each of the participant nodes may include an interface portal (e.g., a web-portal) for viewing transferred crypto-currency and for transacting (e.g., bidding, soliciting, etc.) with other participant nodes of the list of participant nodes with the crypto-currency.
    Type: Grant
    Filed: April 12, 2017
    Date of Patent: May 18, 2021
    Assignee: PricewaterhouseCoopers LLP
    Inventors: Robert A. Musiala, Jr., George Prokop
  • Patent number: 11010843
    Abstract: The invention relates to systems and methods for behavioral modification of users in an online community where users store or share data to help one another reach informed decisions. One aspect of the invention provides a method for encouraging active participation in an online community. The method includes: receiving information from a first user regarding a topic, receiving a request from a second user for additional information desired from the first user, and sending a personalized message to the first user requesting the additional information. Another aspect of the invention provides a computer-readable medium whose contents cause a computer to perform a method for encouraging active participation in an online community. The method includes: receiving information from a first user regarding a topic; identifying additional information desired from the first user; and sending a personalized message to the first user requesting the additional information.
    Type: Grant
    Filed: July 24, 2019
    Date of Patent: May 18, 2021
    Assignee: PatientsLikeMe, Inc.
    Inventors: James Heywood, Paul Wicks
  • Patent number: 11010803
    Abstract: In one embodiment, receiving, at a first computing device associated with a social-networking system and from a second computing device, a first request to verify an identity of a user of the social-networking system; sending, by the first computing device and to a mobile device associated with the user, a second request for information about the user; receiving, at the first computing device and from the mobile device, the information about the user; determining, by the first computing device, a confidence score indicating a probability that the identity of the user is true based on the information about the user received from the mobile device and information available to the social-networking system; and sending, by the first computing device and to the second computing device, the confidence score.
    Type: Grant
    Filed: July 3, 2018
    Date of Patent: May 18, 2021
    Assignee: Facebook, Inc.
    Inventors: Shaheen Ashok Gandhi, Matthew Nicholas Papakipos
  • Patent number: 11012480
    Abstract: This disclosure is directed to an apparatus for modifying a temporal data association in a complex computing network such that a future computing operation is executed based on the modified data association.
    Type: Grant
    Filed: July 1, 2019
    Date of Patent: May 18, 2021
    Inventor: Jeffrey W. Mankoff
  • Patent number: 11004055
    Abstract: A data processing apparatus for processing network data transmitted from a plurality of remote, distributed terminal devices, comprising: a logic processing device that: accesses, over one or more distributed networks, instructions that define initialization of a process of determining multi-user network sources and that specify to allocate one or more portions of a virtual record among the multi-user network sources by automatically simulating a digital exchange process in which the data processing apparatus is a receiving source to receive at least one of the one or more portions by a processing network.
    Type: Grant
    Filed: February 26, 2018
    Date of Patent: May 11, 2021
    Assignee: TAB SOLUTIONS, LLC
    Inventors: Paul Raynor Cheek, Robert Philip Ianelli
  • Patent number: 11004050
    Abstract: A terminal management server includes a data transceiver, and a data processor in communication with the data transceiver. The data transceiver is configured to receive from a point-of-sale terminal data indicative of a violation detected by the point-of-sale terminal of one or more security parameters. The violation is indicative of a compromise of the point-of-sale terminal. The data processor is configured to (i) classify the detected violation as potential fraudulent activity, and (ii) in response to the data processor classifying the detected violation as potential fraudulent activity, cause the data transceiver to send a command to the point-of-sale terminal disabling functionality of the point-of-sale terminal. One or more of the security parameters may include a status of a network connection between the point-of-sale terminal and the terminal management server, and the detected violation may include a termination of the network connection.
    Type: Grant
    Filed: April 24, 2019
    Date of Patent: May 11, 2021
    Assignee: The Toronto-Dominion Bank
    Inventor: Robert Hayhow
  • Patent number: 11004065
    Abstract: Methods, systems, and computer program products for providing attribute-based card combinations for digital wallets are disclosed. A computer-implemented method may include associating a first asset with a digital wallet, associating a second asset with the digital wallet, receiving a request to determine a relationship between the first asset and the second asset in the digital wallet, determining the relationship between the first asset and the second asset in the digital wallet, creating the relationship between the first asset and the second asset in the digital wallet, notifying a user of the digital wallet about how a change to the first asset in the digital wallet is to affect the second asset in the digital wallet based on the relationship between the assets, and performing a transaction involving the digital wallet based on the relationship between the first asset and the second asset in the digital wallet.
    Type: Grant
    Filed: June 11, 2019
    Date of Patent: May 11, 2021
    Assignee: PayPal, Inc.
    Inventor: Matthew Alexander Wilczynski
  • Patent number: 11006178
    Abstract: The present invention discloses a multi-account personalized artificial intelligent TV interface and system thereof for providing a user to perform software and/or hardware operations. The step (a) is to provide a single layer of work page; and step (b) is on the work page to form an account block and a content block associated with the account block; step (c) is for the user to switch the account block to display the content block corresponding to the account block; and step (d) is to execute the account block or the content block to generate a result content on the work page; and the step (e) is to create new content block or renew the account block and the content block by detecting the result content escaping from the work page. A recommendation content based on a data calculated by artificial intelligence is feedbacked to the user.
    Type: Grant
    Filed: May 16, 2019
    Date of Patent: May 11, 2021
    Assignee: OVOMEDIA CREATIVE INC.
    Inventor: Yu-Shun Wu
  • Patent number: 10997654
    Abstract: The described financial institution computing system provides services to customers through an application programming interface (“API”). The services include user identification services to customers. The user identification services allow the customers to verify the identity of users as non-fraudulent users. Further the user identification services allow the financial institution to provide known user information to the customers for purposes of prepopulating registration forms, completing transactions, and the like. Further services, such as user account validation services, payment services, and the like are also possible through the financial institution APIs. In some situations, users are registered with the financial institution. For example, a user may also be an account holder with the financial institution. In other situations, the users are not registered with the financial institution.
    Type: Grant
    Filed: January 15, 2015
    Date of Patent: May 4, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Bipin M. Sahni, Nikolai Stroke
  • Patent number: 10999342
    Abstract: Aspects of the disclosure relate to a content (e.g., media) transfer or fling platform system and method. In a media fling platform system, media items may be cached at a rendering device prior to any selection of media items to fling. The determination of which media to cache may be based on a variety of factors including a user fling history, a currently viewed media item, and a navigation point in the media files. A fling request may take priority over caching, and the fling request may interrupt any caching processes.
    Type: Grant
    Filed: March 26, 2020
    Date of Patent: May 4, 2021
    Assignee: Comcast Cable Communications, LLC
    Inventors: Corey Farrell, Randall Hounsell, Michael Connelly
  • Patent number: 10991015
    Abstract: The provided donation facilitation system can allow a donor, such as a customer, to challenge another entity, such as a retailer, to make a retailer contribution to a portfolio of multiple charities set up by the donor upon, for example, the purchase of a good or service from the retailer. The provided portfolio donation facilitation system can allow the other entity such as a retailer to create its own retailer portfolio of vetted multiple charities and make an retailer contribution to a customer's portfolio of vetted multiple charities when at least one component of the retailer's portfolio of vetted multiple charities matches at least one component of the customer's portfolio of vetted multiple charities.
    Type: Grant
    Filed: August 6, 2019
    Date of Patent: April 27, 2021
    Assignee: Change Up Inc.
    Inventor: Robert W Soderstrom
  • Patent number: 10990952
    Abstract: User devices are disclosed for managing a plurality of supplemental payment sources of a user. One method includes: generating and displaying a user interface prompting a user to input: an identifier of a primary payment source account for applying resources to transactions originating at one or more merchants, the primary payment source account being accounted for in a first data structure of a shared ledger and having its identifier linked with one or more supplemental payment source accounts; identifiers of one or more supplemental payment source accounts for applying resources to transactions originating at one or more merchants, the supplemental payment source accounts being accounted for in second and subsequent data structures of the shared ledger; and preference settings for applying resources of the primary payment source account and the supplemental payment source accounts to transactions, based on identities or categories of merchants involved in the transactions.
    Type: Grant
    Filed: August 7, 2019
    Date of Patent: April 27, 2021
    Assignee: Worldpay, LLC
    Inventors: Erik Baar, Richard Hill
  • Patent number: 10990936
    Abstract: A system, method, and apparatus for interdirectory funds transfers is provided. The system includes two or more peer-to-peer payment directories; and a federated directory management system communicably and operatively coupled to the two or more peer-to-peer payment directories, wherein the federated directory management system is structured to: receive data from each of the two or more peer-to-peer payment directories; normalize the data to create a uniform database; receive a fund transfer request; query the uniform database to identify a payee; determine the payee belongs to a payment directory different from a payment directory of a payor based on the identity of the payee; and facilitate interdirectory processing of the fund transfer request.
    Type: Grant
    Filed: November 8, 2016
    Date of Patent: April 27, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Alan W. Hecht, Azita Asefi, Ann M. Kirk
  • Patent number: 10990951
    Abstract: A system and computer-implemented method includes the operations of transmitting a cold reset signal to a multiple-funding source payment card and receiving a first answer-to-reset message therefrom. The first answer-to-reset message includes governing rules for performing a single-swipe transaction. The operation also includes receiving payment account details for a first payment account in accordance with the governing rules. A first PIN associated with the first payment account is input by a cardholder and a first payment authorization request message for approval of the single-swipe transaction is transmitted. Upon receipt of a payment declined response message, a warm reset signal is transmitted to the payment card. A second answer-to-reset message is received including payment account details for a second payment account.
    Type: Grant
    Filed: January 18, 2019
    Date of Patent: April 27, 2021
    Assignee: Mastercard International Incorporated
    Inventors: Vikas Bishnoi, Shubham Bijawat, Shubham Kumar
  • Patent number: 10977648
    Abstract: Techniques for providing a risk control method and device for resolving the issue of low application software security are described. A transaction request is received from a first user, and the transaction request comprises transaction data, data identifying the first user, and data identifying a second user. An attribute of the first user is determined from the data identifying the first user. An attribute of the second user is identified using the data identifying the second user. In response to the attribute of the first user being determined and the attribute of the second user being identified, an attribute similarity between the first user and the second user is determined. The attribute similarity is compared to a threshold. In response to determining the attribute similarity is less than the threshold, a notification is transmitted to the first user requesting a confirmation of the identified attribute of the second user.
    Type: Grant
    Filed: July 27, 2018
    Date of Patent: April 13, 2021
    Assignee: Alibaba Group Holding Limited
    Inventor: Lizhong Li
  • Patent number: 10977894
    Abstract: Systems and methods are disclosed for associating a player identifier with a financial account. The financial account can holds funds that are accessible through the player's use of a payment vehicle. The payment vehicle can be, for example, a credit payment vehicle or a debit payment vehicle. The player can load funds from the financial account to a wagering account.
    Type: Grant
    Filed: March 27, 2018
    Date of Patent: April 13, 2021
    Assignee: SIGHTLINE INTERACTIVE LLC
    Inventors: Kirk E. Sanford, Thomas M. Sears, Omer Sattar
  • Patent number: 10977104
    Abstract: Aspects extend to methods, systems, and computer program products for partially reconfiguring acceleration components. Partial reconfiguration can be implemented for any of a variety of reasons, including to address an error in functionality at the acceleration component or to update functionality at the acceleration component. During partial reconfiguration, connectivity can be maintained for any other functionality at the acceleration component untouched by the partial reconfiguration. Partial reconfiguration is more efficient to deploy than full reconfiguration of an acceleration component.
    Type: Grant
    Filed: January 25, 2019
    Date of Patent: April 13, 2021
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Derek T. Chiou, Sitaram V. Lanka, Adrian M. Caulfield, Andrew R. Putnam, Douglas C. Burger
  • Patent number: 10977658
    Abstract: Systems and methods are disclosed for managing a plurality of supplemental payment sources of a user. One method includes: receiving a primary payment source account of a user for a purchase transaction originating at the merchant, the primary payment source account having an identifier associated with one or more supplemental payment source accounts; receiving supplemental payment source accounts of a user for applying to a payment transaction originating at the merchant; receiving, from a user device, preference settings to apply one or more of the supplemental payment source accounts to a payment transaction; receiving a transaction authorization request from the merchant or merchant acquirer for a transaction amount; and determining a combination of payment source accounts to use in the payment transaction, from a group comprising one or more supplemental payment source accounts and the primary payment source account, and any of one or more preference settings.
    Type: Grant
    Filed: July 18, 2019
    Date of Patent: April 13, 2021
    Assignee: Worldpay, LLC
    Inventors: Erik Baar, Richard Hill
  • Patent number: 10977654
    Abstract: A machine learning engine for fraud detection related to cross-location online transaction processing may be trained using artificial intelligence techniques and used according to techniques discussed herein. An account may be used to electronically process a transaction for an item in a foreign location, such as a new city or country. The transaction may be identified as potentially fraudulent based on the item and/or location of purchase. A service provider may identify a vertical, such as an item type, for the transaction, and may determine the account's propensity to purchase within that vertical in the new location and the merchant's propensity to sell within that vertical to the account's location or shipping address. Based on the propensities, the service provider may utilize one or more risk rules with a risk assessment engine to determine transaction processing risk and whether to proceed with transaction processing.
    Type: Grant
    Filed: June 29, 2018
    Date of Patent: April 13, 2021
    Assignee: PAYPAL, INC.
    Inventors: Dinesh Kumar, Geethamanjusha Melanathurbhaskar
  • Patent number: 10977624
    Abstract: Embodiments of the invention are directed to systems, methods and computer program products for electronic generation of resource distribution documents via system integrated interface on a platform application. A user may input information for generating a digital resource distribution document via system controlled applications within the external platform application. The system may generate the resource distribution document for digital or physical use. Furthermore, the system deploys multi-level security authorization requirements for distribution of resources via the resource distribution documents. In this way, the system encrypts the information inputted into an encrypted scannable code; the system generates a digital photo of the generated document, and stores device information associated with the device that was used to generate the document.
    Type: Grant
    Filed: April 12, 2017
    Date of Patent: April 13, 2021
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Manu Jacob Kurian, Joseph Benjamin Castinado
  • Patent number: 10970350
    Abstract: Computer-implemented methods, computer-implemented systems, and non-transitory, computer-readable media for processing interaction sequence data are disclosed. One computer-implemented method includes: obtaining a dynamic interaction graph is obtained, where the dynamic interaction graph is constructed based on a dynamic interaction sequence, including a plurality of interactions arranged in a chronological order, where each interaction includes two objects involved in the interaction and a time of the interaction. In the dynamic interaction graph, a sub-graph corresponding to a target node is determined, where nodes in the sub-graph comprise the target node and connection nodes connected to the target node through a predetermined amount of edges originating from the target node. A feature vector corresponding to the target node is determined based on a node feature of each of the nodes of the sub-graph and directions of edges of the sub-graph.
    Type: Grant
    Filed: March 9, 2020
    Date of Patent: April 6, 2021
    Assignee: Advanced New Technologies Co., Ltd.
    Inventors: Xiaofu Chang, Jianfeng Wen, Xuqin Liu, Le Song, Yuan Qi
  • Patent number: 10970358
    Abstract: Generating content includes communicating first content to a consumer, wherein the first content includes at least one identifier, determining a location of the communicated first content in a network, retrieving second content from the location, and establishing third content using the second content using a processor. Determining the location of the communicated first content includes instructing a search engine to perform a search in a network for the at least one identifier and receiving, from the search engine, a search result indicative of a location of the communicated first content in the network. Establishing third content includes performing an analysis of the second content, wherein the analysis includes at least one of a semantic analysis, a syntax analysis, a keyword analysis, a markup analysis, or a link analysis.
    Type: Grant
    Filed: November 26, 2013
    Date of Patent: April 6, 2021
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventor: Timo Kussmaul
  • Patent number: 10970772
    Abstract: This invention proposes an autonomous interaction decision support apparatus to provide the operator of an e-commerce business with a recommendation of which received orders to perform. The apparatus autonomously tracks situational information comprising the existing level of work of the e-business, for each of multiple products and/or services offered by the business, and also a desired level of work. In this way, the recommendation protects both the reputation of the business and achieves work-life balance for the business owner.
    Type: Grant
    Filed: March 12, 2015
    Date of Patent: April 6, 2021
    Assignee: NANYANG TECHNOLOGICAL UNIVERSITY
    Inventors: Han Yu, Chunyan Miao, Zhiqi Shen, Cyril Sik Leung
  • Patent number: 10963858
    Abstract: A system and method allows users to make purchases utilizing a mobile subscriber account.
    Type: Grant
    Filed: September 26, 2018
    Date of Patent: March 30, 2021
    Assignee: Payfone, Inc.
    Inventors: Michael Brody, Rodger Desai, Sung Kim
  • Patent number: 10963849
    Abstract: The present disclosure provides a computer-implemented method for facilitating a cashless transaction between a merchant and a customer, a system implementing the method, and a non-transitory computer-readable medium storing computer-readable instructions that, when executed, cause a processor to perform steps of the method.
    Type: Grant
    Filed: November 9, 2017
    Date of Patent: March 30, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Ankit Shreemal, Suneel Bhatt, Avyaktanand Tiwary
  • Patent number: 10963873
    Abstract: Systems and methods are provided for use in distributing one or more services to edge devices in a payment network and for monitoring distributed processing devices associated with the payment network by a network of nodes of the payment network. One exemplary method includes receiving, at a first node of the network of nodes, a request for data from a client and identifying, by the first node, a second node as including the data. The method also includes forwarding the request for the data to the second node, and providing the data to the client, by the first node, in response to the request, upon receipt of the data from the second node, whereby the network of nodes fulfills the request for the data even when the data is included in the second node and the request is received at the first node.
    Type: Grant
    Filed: April 14, 2017
    Date of Patent: March 30, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Michael Proctor, Daniel E. Moore