Bill Distribution Or Payment Patents (Class 705/40)
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Patent number: 12256026Abstract: A data store to store and access digital records is provided, and a key object record is initialized in the data store to store data associated with a physical key object. A digital fingerprint of the physical key object is stored in the key object record. Another digital record is created in the data store that is not the key object record. The digital record is linked to the digital fingerprint of the physical key object. The linking is arranged to provide secure control access to the linked digital record. A tendered access key is received via a programmatic interface or user interface, and the data store is queried based on the tendered access key to identify a matching digital fingerprint of a key object. In a case that the querying identifies the matching digital fingerprint of the key object within a prescribed level of confidence, access to the linked digital record secured by the key object is granted.Type: GrantFiled: November 1, 2023Date of Patent: March 18, 2025Assignee: Alitheon, Inc.Inventors: Justin Lynn Withrow, David Justin Ross, Vala Andrésdóttir Withrow
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Patent number: 12248914Abstract: A method for generating tokens for use in an email-based e-commerce transaction between third party vendor and a customer that is facilitated by a payment server is disclosed. The method may comprise generating a token for use with an email checkout, wherein the token comprises a customer name, and customer email address. The processor may generate an email message for at least one recipient, the email message including a mailto hyperlink including the token, wherein the mailto hyperlink generates an email response message addressed to the payment server including the token. The method may comprise receiving a notification from the payment server indicating that the at least one recipient that the email response message was successfully received by the payment server and the email-based e-commerce transaction is successful.Type: GrantFiled: March 14, 2022Date of Patent: March 11, 2025Assignee: SWOOP IP HOLDINGS LLCInventors: James Kassemi, Dave Walz-Burkett, Chad Person
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Patent number: 12248999Abstract: Systems and methods described herein relate to creating or modifying multimedia content using theme-based effects. In accordance with some implementations, a method can comprise the operations of: accessing foundational content; receiving a request to apply a theme to the foundational content; receiving a theme-based effect associated with the theme; receiving a licensing parameter of use associated with the theme; and applying the theme-based effect to the foundational content according to the licensing parameter. Themes can include those created by third-party vendors and those created by one or more users of a method or system implementing features described herein. Additionally, use of different themes can vary in cost and/or use limitations, which can be determined according to licensing parameters associated with the themes.Type: GrantFiled: September 1, 2023Date of Patent: March 11, 2025Assignee: WeVideo, Inc.Inventors: Jostein Svendsen, BjøRn Rustberggaard, Krishna Menon
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Patent number: 12248975Abstract: An electronic invoicing system performs an integrated method of processing both purchase order based electronic invoices and electronic invoices not associated with a purchase order or transaction receipt. A portal is provided by the system. The portal has respective views for a supplier submitting non-PO based type electronic invoices not associated with a purchase order or transaction receipt, and a user of an enterprise submitting and/or reviewing non-PO based type electronic invoices not associated with a purchase order or transaction receipt. An administrator of the enterprise configures electronic invoice types and processing parameters specific to said electronic invoice types not associated with a purchase order or transaction receipt. A submitted non-PO based type electronic invoice of a configured electronic invoice type is processed in accordance with the processing parameters configured by the administrator for that electronic invoice type.Type: GrantFiled: March 13, 2023Date of Patent: March 11, 2025Assignee: Versata, Inc.Inventors: Timothy S. McEneny, Sr., Erick W. Schutz, Joseph E. Fallon, Rita J. Carol
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Patent number: 12248468Abstract: A system and method of automated data collection which adjusts and reacts to expected availability of update data as well as adjusts and reacts to security restrictions in order to obtain update data as soon as reasonably possible without triggering security lockouts or other restrictions which require excessive amounts of manual intervention. The system and methods provide for efficient and timely collection of invoice data for timely processing, auditing and action.Type: GrantFiled: October 31, 2023Date of Patent: March 11, 2025Inventors: Dale L. Clark, Silviu Lupsa, Zachary Goldberg
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Patent number: 12243097Abstract: The technology described includes an adaptive probability matrix that creates a notification schedule. The schedule can be used to send reminders to users to press a physical, connected device/button, that when pressed or clicked, causes money to be transferred according to a set of rules (i.e., a “one-click” transfer of funds).Type: GrantFiled: November 28, 2023Date of Patent: March 4, 2025Assignee: United Services Automobile Association (USAA)Inventors: Sang Woo Choi, Timothy Davison, Garrett Rielly Rapport
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Patent number: 12243033Abstract: Systems and methods for implementing an automated process for detection of a shared recurring bills and identification of a set of corresponding person-to-person transactions associated with shared portions of the recurring bill. The identification process is prediction-based and contingent upon an analysis of a user's transaction records. A key aspect of the analysis is directed towards transaction amount data (fraction test) and occurrence patterns, derived from the transaction records, in order to identify a shared bill and a set of person-to-person (P2P) transfer transactions associated therewith. Upon identification of a set of P2P transfer transactions associated with a recurrent shared bill, an automation option may be provided to the user.Type: GrantFiled: March 15, 2023Date of Patent: March 4, 2025Assignee: CAPITAL ONE SERVICES, LLCInventors: Phoebe Atkins, Xiaoguang Zhu, Ray Cheng
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Patent number: 12244579Abstract: The present disclosure relates to a domain name encryption method, decryption method, and apparatus based on a content delivery network. The method comprises: receiving an access request for an initial server sent by a terminal; acquiring, in a case that the initial server needs to be redirected to a target server, a synthetic record domain name of the target server, the synthetic record domain name carrying a domain name resolution result of the target server; and encrypting the synthetic record domain name to obtain an encrypted synthetic record domain name, and sending the encrypted synthetic record domain name to the terminal. By encrypting the synthetic record domain name, an illegal user can be prevented from knowing data information about the domain name resolution result in the synthetic record domain name, which can improve the security of the data, and can significantly improve the processing efficiency of the domain name.Type: GrantFiled: August 15, 2024Date of Patent: March 4, 2025Assignee: Beijing Volcano Engine Technology Co., Ltd.Inventors: Qing Wang, Jian Wang
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Patent number: 12233741Abstract: The vehicle for container transport includes a chassis mounted on top of a rolling device and at least one housing of a battery for a self-contained electric power supply of an electric motor for driving all or part of the rolling device. There is a housing defined as a recess extending from at least one of the sides of the chassis and including a device for lateral insertion and support of at least one battery module and a device for electrical interconnection with the module. The device for insertion and support includes, at the bottom of the recess, a support base on which at least one battery module, or even a plurality of these modules, can rest. Advantageously, at the height of the support base, on the periphery and inside a recess, abutment flanges are provided to ensure that at least one battery module is immobilized transversely and longitudinally.Type: GrantFiled: June 21, 2019Date of Patent: February 25, 2025Assignee: Milestone Factory SAInventor: Christophe Gaussin
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Patent number: 12236406Abstract: Systems and methods are provided for group bill payment comprising creating a secure group bill payment account associated with a plurality of group members. The group bill payment account may be configured to receive information via a network from the plurality of group members; permit a group member to manage the group bill payment account following an authentication process; and transmit a group payment to a provider. Systems and methods may further comprise receiving instructions from a group member to create a rule for requesting payment, the bill being from a provider and associated with group members; receiving the bill issued by the provider; determining a charge based on the bill and the rule; sending a payment request based on the charge; receiving a deposit into the group bill payment account; transmitting a group payment; and sending a notification.Type: GrantFiled: November 30, 2022Date of Patent: February 25, 2025Assignee: Capital One Services, LLCInventors: Abdelkader M'Hamed Benkreira, Joshua Edwards, Michael Mossoba
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Patent number: 12236366Abstract: Some embodiments of the present disclosure may relate generally to software-based service platforms and graphical user interface (GUI) architectures for determining and presenting rule-based conclusions, along with explanations identifying the factor or factors influencing the conclusions. Other embodiments may be disclosed and/or claimed.Type: GrantFiled: August 24, 2023Date of Patent: February 25, 2025Assignee: Avalara, Inc.Inventors: Naveen Kumar Agrawal, Marshal Kushniruk, Mark Wilhelm, Aaron David Wilson
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Patent number: 12236431Abstract: A system and method for tasks assistance using a learning module comprising a knowledge graph and associated graph neural network is disclosed. The system can represent data using a knowledge graph, and generate embeddings of the knowledge graph for detecting latent patterns in the data that may be obscured in a high dimensional representation of the data. The system can more readily detect fraud patterns and take appropriate fraud limiting actions.Type: GrantFiled: August 27, 2021Date of Patent: February 25, 2025Assignee: United Services Automobile Association (USAA)Inventors: Vijay Jayapalan, Jeffrey David Calusinski
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Patent number: 12236405Abstract: Systems, methods, and apparatuses for real-time trickle payments are provided. A system includes a processing circuit configured to: receive a request from a consumer device to commission a service provided by a supplier; place a financial hold on funds allocated to a supplier financial account based on performance terms of a smart contract; detect initiation of performance of the requested service based on performance information from a mobile device associated with the supplier and correlating the performance information to the smart contract; increase a financial hold on funds allocated to a consumer financial account in a hold amount proportional to the monitored performance, and decrease the financial hold on the funds allocated to the supplier financial account in the hold amount proportional to the monitored performance; and, upon the completion of the requested service, release the funds on hold in the supplier financial account.Type: GrantFiled: July 26, 2021Date of Patent: February 25, 2025Assignee: Wells Fargo Bank, N.A.Inventors: Eileen Johnstone, Michael Knorr, Thomas R. Miller, Catherine Wangari Mwangi, Mercedes Roldan-Colon, Jessica A. Weng
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Patent number: 12237940Abstract: Systems and methods for usage-based device naming and grouping are disclosed. For example, trigger events that indicate when a device should be renamed, added to a device group, and/or added to a routine may be determined. Usage data representing usage of the device may be received and utilized to determine if a trigger event occurs. When a trigger event occurs, a recommendation for renaming, grouping, etc. may be determined and sent to a user device. Upon acceptance of the recommendation, the device may be renamed, grouped, and/or added to a routine.Type: GrantFiled: September 29, 2023Date of Patent: February 25, 2025Assignee: Amazon Technologies, Inc.Inventors: Aniruddha Basak, Yu Liu, George Strajan, Hersh Sridhar Iyer, Sara Parker Hillenmeyer, William Evan Welbourne
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Patent number: 12231409Abstract: Methods and systems describe linking mobile applications to website providers using an intermediary database that is populated based on mobile application metadata in order to provide secure communication of user data encrypted specifically for given website providers. The methods and systems accomplish this by receiving, at an intermediary database, a first communication from a background application implemented on a mobile device, wherein the first communication comprises a first access point address and is generated based on a request, by a first access point, for first user information for use by a first provider, wherein the first provider provides the first access point. However, as opposed to simply generating a random alternative content for the first communication, the system performs an additional step to ensure that the alternative content is specific to the provider and may be used across all access points for the provider.Type: GrantFiled: February 15, 2022Date of Patent: February 18, 2025Assignee: Capital One Services, LLCInventors: Allison Fenichel, Nishant Garg, Illiana Reed, Michael Holden, Shivani Gupta, Fan Feng
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Patent number: 12230079Abstract: An information processing apparatus in the present invention includes: an acquisition unit that acquires a first biometrics information group including biometrics information on a first person detected from a first image captured in a first area from a registered biometrics information group including biometrics information on a plurality of registrants; and a matching unit that matches biometrics information on a second person detected from a second image captured in a second area that is different from the first area against biometrics information included in the first biometrics information group.Type: GrantFiled: August 29, 2023Date of Patent: February 18, 2025Assignee: NEC CORPORATIONInventors: Yumi Maeno, Takahiro Nishi, Yutaro Nashimoto
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Patent number: 12230080Abstract: An information processing apparatus in the present invention includes: an acquisition unit that acquires a first biometrics information group including biometrics information on a first person detected from a first image captured in a first area from a registered biometrics information group including biometrics information on a plurality of registrants; and a matching unit that matches biometrics information on a second person detected from a second image captured in a second area that is different from the first area against biometrics information included in the first biometrics information group.Type: GrantFiled: August 29, 2023Date of Patent: February 18, 2025Assignee: NEC CORPORATIONInventors: Yumi Maeno, Takahiro Nishi, Yutaro Nashimoto
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Patent number: 12230101Abstract: An electronic gaming machine includes a cabinet, a display mounted to the cabinet, a wireless interface for communicating with a portable electronic device, a network interface for communicating with a validation server, a bill validator coupled to a game controller configured to accept bills and printed ticket vouchers, and a removable cash box. The game controller includes a processor and a memory configured to control a wager-based game played on the EGM, redeem virtual ticket vouchers and printed ticket vouchers, receive an indication to transfer value to the EGM via a virtual ticket voucher, receive the virtual ticket voucher including a virtual ticket voucher validation number from the portable electronic device via the wireless interface, validate the virtual ticket voucher with the validation server via the network interface, deposit a credit amount associated with the virtual ticket voucher, and notify the validation server that the virtual ticket voucher is redeemed.Type: GrantFiled: July 11, 2022Date of Patent: February 18, 2025Assignee: IGTInventors: Dwayne R. Nelson, Steven G. LeMay, Jim A. Vasquez, Scott T. Gowin
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Patent number: 12230081Abstract: An information processing apparatus in the present invention includes: an acquisition unit that acquires a first biometrics information group including biometrics information on a first person detected from a first image captured in a first area from a registered biometrics information group including biometrics information on a plurality of registrants; and a matching unit that matches biometrics information on a second person detected from a second image captured in a second area that is different from the first area against biometrics information included in the first biometrics information group.Type: GrantFiled: August 29, 2023Date of Patent: February 18, 2025Assignee: NEC CORPORATIONInventors: Yumi Maeno, Takahiro Nishi, Yutaro Nashimoto
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Patent number: 12223845Abstract: The present invention provides a method and system for an unmanned aerial vehicle (UAV) to pass through an UAV airport, and relates to the field of unmanned aerial vehicle airport technologies. The method for an UAV to pass through an UAV airport includes: obtaining status information of an UAV; sending a request for an UAV airport information set to an index server; receiving the UAV airport information set sent by the index server; obtaining, through weight value calculation based on the UAV airport information set, a connected UAV airport station set; calculating and determining a reachable optimal-weight-value sequentially connected path set; and determining a flight path based on a weight value combination condition. In the present invention, an UAV can implement convenient self-parking and charging on the premise that a weight value combination condition is satisfied, so that a long-distance flight demand can be satisfied.Type: GrantFiled: July 28, 2022Date of Patent: February 11, 2025Inventor: Jun Chen
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Patent number: 12223474Abstract: A group payment vehicle and process for establishing and utilizing the group payment vehicle may be utilized to make proxy payments for group members and associate payment mechanisms with the group payment vehicle. The group payment vehicle may be virtual or physical and may be time limited (or have another payment limitation). The group payment vehicle may be a debit-type or credit-type as established by a creator of the group payment vehicle. A system may be configured to enable the creator to invite potential group participants to participate with the group payment vehicle that functions as a single payment mechanism to vendors for an event. The system may limit the group payment vehicle to be time limited, geolocation limited, and/or merchant limited to limit potential financial exposure and fraud.Type: GrantFiled: February 23, 2024Date of Patent: February 11, 2025Assignee: OneCard LLCInventors: Christian Waller, Jake Johnson, Bradan Mitchell
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Patent number: 12223770Abstract: A system and a method for performing an authentication are provided. The method includes: capturing, by using a front-facing camera of a mobile communication device, a first image of a face of a user; capturing, by using a rear-facing camera of the mobile communication device, a second image of an identification card that includes a photograph of the face of the user; comparing the first image with the second image; verifying that the first image matches the second image; obtaining user-specific information included in the second image; receiving a request to authenticate a transaction that relates to the user; receiving an input from the user that is usable for authenticating the transaction; and using the first image, the second image, the obtained user-specific information, and the received input to authenticate the transaction.Type: GrantFiled: May 13, 2021Date of Patent: February 11, 2025Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Kaue Tizzo Tozzi, Paola Mello Zerbini
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Patent number: 12223802Abstract: An ecommerce platform, available via an interactive electronic resource, allows a user to purchase products and services from the resource, receive promotional-valued credits in return for the purchase, and play games to earn additional promotional-valued credits. The user can purchase products and services at the electronic resource with either or both of a government-issued legal tender, such as the U.S. dollar, or a virtual currency used by the electronic resource, such as the promotional-valued credits. In embodiments of the invention, the user is guaranteed that an amount of legal tender (e.g., the U.S. dollar) paid-in to the ecommerce platform is the same as or less than a fair market value of the products or services purchased via the ecommerce platform.Type: GrantFiled: December 3, 2021Date of Patent: February 11, 2025Assignee: DK Crown Holdings Inc.Inventor: Barry Shore
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Patent number: 12223486Abstract: The validity of a mail item containing a monetary solicitation is determined. An image is received of the mail item and the image is analyzed to identify a plurality of data fields within the mail item. The validity or invalidity of the data within each of the plurality of identified data fields is then established, and a user-interactive image overlay is generated for the image of the mail item that includes a validity indicator for each of the plurality of identified data fields. The validity indicator is representative of the validity or invalidity of the data within each of the identified plurality of data fields. The user-interactive image overlay is sent to a user device to display the image of the mail item.Type: GrantFiled: March 1, 2024Date of Patent: February 11, 2025Assignee: Wells Fargo Bank, N.A.Inventors: Andrew J. Garner, IV, Chris Kalaboukis
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Patent number: 12217258Abstract: A secure user authentication system, operable over a client-server communications network to authenticate a system user. The system includes an application server which includes a site which is able to be enabled, and an authentication server, which is able to enable the application server site. The authentication server includes a core database, and receives and stores user authentication-enabling data in the core database. The system further includes a client, and a client program which is able to be actuated in the client. The client program includes the user authentication-enabling data. Upon actuation, the client program automatically directly connects to the authentication server, and sends the client authentication-enabling data to the authentication server, for secure user authentication by the authentication server.Type: GrantFiled: February 28, 2024Date of Patent: February 4, 2025Assignee: Multiple Shift Key, Inc.Inventor: Raymond J. Gallagher
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Patent number: 12217290Abstract: A method is described. A plurality of employees are enrolled in the program and submit requests for reimbursement for expenses related to a service provided to the employees by a service provider for which the employees are liable. The method includes receiving, by the computer system, requests for reimbursement and aggregating the requests for reimbursement scheduled for payment within a predefined time period and associated with the service provider. The method also includes generating an invoice that includes a payment amount to be paid to the employee for subsequent payment to the service provider. The method also includes automatically requesting funds from an employer of the plurality of employees for the payment amount included in the invoice and electronically transferring funds associated with the employer to the service provider or alternatively, to the employee for subsequent payment to the service provider.Type: GrantFiled: October 13, 2023Date of Patent: February 4, 2025Assignee: Cass Informations Systems, Inc.Inventors: Carl N. Friedholm, Angela Melissa Taylor
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Patent number: 12217117Abstract: A system for communication of business card information, the system comprising an electronic business card comprising a near-field communication (NFC) chip, the NFC chip having electronic business card information, wherein the electronic business card information is configured to instigate an action in a recipient device when the NFC chip proximally interfaces with the recipient device, and wherein the recipient device is NFC enabled. The system may further comprise a network and an application system in operable communication with the network, the application system configured to transmit a user information associated with a user of the electronic business card to a database configured to store the user information, and the application system configured to permit the user to interact with the user information via a user interface.Type: GrantFiled: February 15, 2022Date of Patent: February 4, 2025Assignee: LULU SYSTEMS, INC.Inventor: Pieter Limburg
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Patent number: 12217268Abstract: Methods and systems of exchanging data using payment cards with universal reference numbers are disclosed. A merchant computing system includes a merchant input/output assembly receiving a universal reference number from a customer at a point of sale. A merchant database retrievably stores a plurality of universal reference numbers and customer information associated with each of the plurality of universal reference numbers. A transaction circuit receives the universal reference number from the merchant input/output assembly, retrieves customer information associated with the universal reference number, and provides an output relating to a transaction based on the customer information.Type: GrantFiled: November 6, 2023Date of Patent: February 4, 2025Assignee: Wells Fargo Bank, N.A.Inventors: Peter Ho, Brian M. Pearce
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Patent number: 12211106Abstract: A computing device for determining a new credit card number that is a continuation match with an old credit card number of a credit card account that has changed numbers comprises a processing element programmed to: receive transactional data for a plurality of credit card numbers, determine a plurality of old credit card numbers and a plurality of new credit card numbers, determine a plurality of clusters of new credit card numbers, convert the transactional data for each old credit card number and the associated cluster of new credit card numbers into snapshots with an image-like data format, train a modified siamese network with instances of snapshots of an old credit card number, a first new credit card number, and a second new credit card number, and use the modified siamese network to determine one new credit card number that is an upgrade of one old credit card number.Type: GrantFiled: August 2, 2021Date of Patent: January 28, 2025Assignee: Mastercard International IncorporatedInventors: Smriti Gupta, Gaurav Dhama, Hardik Wadhwa, Puneet Vashisht, Yatin Katyal, Ankur Saraswat, Aakash Deep Singh
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Patent number: 12211038Abstract: Methods are provided for maintaining user privacy, and may include establishing a secret key for communication between a plurality of user devices, the plurality of user devices including a first user device associated with a requesting user and a second user device associated with a second user, wherein at least one server computer does not have access to the secret key; receiving from the first user device, a split-payment request message comprising encrypted data, the encrypted data included in the split-payment request message encrypted based on the secret key; generating an encrypted balance for the requesting user and the second user based on the encrypted data of the split-payment request message; and transmitting to the second user device, a split-payment confirmation message including the encrypted balance for the requesting user and/or the second user. Systems and computer program products are also provided.Type: GrantFiled: December 6, 2023Date of Patent: January 28, 2025Assignee: Visa International Service AssociationInventors: Saba Eskandarian, Payman Mohassel, Mihai Christodorescu
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Patent number: 12205090Abstract: Systems and methods are disclosed for blockchain-based payment transactions, alerts, and dispute settlement, using a blockchain interface server.Type: GrantFiled: September 22, 2023Date of Patent: January 21, 2025Assignee: Worldpay, LLCInventor: Ramesh Vijayaraghavan
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Patent number: 12205087Abstract: Disclosed are a system and a method for communicating with a financial institution over a communication network to manage payments of payee initiated by a sender. The system includes a database for storing a plurality of modules, a central server for monitoring and updating the plurality of modules, a processing unit that processes the plurality of modules. The plurality of modules includes a notification module, a payee module, a dashboard module, a refunds module, a payment process module, and a remittance summary module. The notification module allows the sender to send a payment summary to each payee. The payee module allows the payee to upload the payee's details, to select a mode of payment to receive the payment. The payment process module processes the payment as per the mode selected by the payee in the payee module, further processes the payment via cheque mode if the payee fails to update the mode of payment in a pre-defined duration.Type: GrantFiled: August 4, 2021Date of Patent: January 21, 2025Assignee: Bottomline Technologies, Inc.Inventors: Andrew Scarborough, Phillip Malone, Sean Glerum, Sandhya S. Pillalamarri, Melissa Mikulski, William Cashman
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Patent number: 12205089Abstract: A system and method for determining how a funds transfer or payment will be made based on user preferences and parameters in a wide area network application. The system includes a back-end server operating the network application and having a processor for processing data and information, a communications interface communicatively coupled to the processor, and a memory device storing data and executable code. When the code is executed, the processor can provide a number of parameters to be selected by the user that are necessary to perform the payment or funds transfer, where the payment or funds transfer can be performed by more than one technique, determine which of the techniques the payment or funds transfer will be performed by based on the parameters that the user selects without the user determining that technique, and cause the payment or funds transfer to be performed by the determined technique.Type: GrantFiled: January 31, 2023Date of Patent: January 21, 2025Assignee: TRUIST BANKInventor: Barath Jayaraman
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Patent number: 12206750Abstract: An interaction-event routing system can automatically select an optimal interaction-event rail (IER) to process an interaction-event request. For example, the interaction-event routing system can include a processor and a memory that includes instructions executable by the processor to perform operations. The operations can include receiving a request to process an interaction event from an application programming interface. The request can include at least one parameter. The operations can further include automatically selecting, based on the at least one parameter, an IER from among a plurality of IERs to process the interaction event. The plurality of IERs can be configured to digitally transfer value between accounts using different protocols. Additionally, the operations can include transforming the request into a rail specific request suitable for the selected IER. The operations can include submitting the rail specific request to the selected IER.Type: GrantFiled: March 23, 2023Date of Patent: January 21, 2025Assignee: Truist BankInventor: Nagaraja Hebbar
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Patent number: 12205110Abstract: Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for providing, along with a token, a token assurance level and data used to generate the token assurance level. At the time a token is issued, one or more Identification and Verification (ID&V) methods may be performed to ensure that the token is replacing a PAN that was legitimately used by a token requestor. A token assurance level may be assigned to a given token in light of the type of ID&V that is performed and the entity performing the ID&V. Different ID&Vs may result in different token assurance levels. An issuer may wish to know the level of assurance and the data used in generating the level of assurance associated with a token prior to authorizing a payment transaction that uses the token.Type: GrantFiled: May 19, 2023Date of Patent: January 21, 2025Assignees: Visa International Service Association, Mastercard International IncorporatedInventors: Glenn Leon Powell, John F. Sheets, Bruce Rutherford, Gregory Williamson, James Anderson
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Patent number: 12198215Abstract: Self-sovereign identity systems and methods for identification documents are disclosed herein. An example method includes transmitting data obtained from a near-field communications (NFC) chip of an object to the service provider. The data can include identifying information for an owner of the object. The method can include receiving a user identity packet from the service provider that is generated by the service provider based on verification of an identity of the owner and validity of the NFC chip, storing the user identity packet on a computing device, receiving a request from a first requesting device or service for the data stored on the NFC chip of the object and transmitting the user identity packet from the computing device to the first requesting device or service instead of the data.Type: GrantFiled: June 30, 2020Date of Patent: January 14, 2025Assignee: Mitek Systems, Inc.Inventors: Sanjay Gupta, Michael Ramsbacker, Stephen Ritter, James Treitler, Ashok Singal, Jason L. Gray, Michael Hagen
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Patent number: 12190372Abstract: Systems and methods for providing a separate interest rate for an individual transaction are disclosed. A system may provide a service associated with a account having an account balance and an associated first interest rate. The system may include a service device having one or more memory devices storing instructions and one or more processors configured to execute the instructions to perform a separate interest rate service process. The process may include providing a separate interest rate service offer to a client device and receiving a separate interest rate selection from the client device. The process may also include determining a selected portion of the account balance corresponding to an amount to which a second interest rate, different from the first interest rate, is to be applied based on the separate interest rate selection.Type: GrantFiled: December 4, 2023Date of Patent: January 7, 2025Assignee: Capital One Services, LLCInventors: Marcie Apelt, Megan Edds, Keith Barron, Ashley Gibbs, Matthew Vischulis, Carl Ashby, Baining Hu, Yi Liu, David Schardt
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Patent number: 12189481Abstract: In a method of recovering a bootloader in a mobile electronic device, a bootloader recovery signal is transmitted from a bridge board to the mobile electronic device. The bridge board includes a first internal path and a second internal path. The mobile electronic device includes a third internal path and a fourth internal path. The bootloader recovery request signal is transmitted based on the first internal path and the third internal path. a boot mode of the mobile electronic device is changed based on the first internal path and the fourth internal path in response to receiving the bootloader recovery request signal. Bootloader recovery data is transmitted from a host device to the bridge board based on the changed boot mode. The bootloader recovery data is transmitted from the bridge board to the mobile electronic device based on the second internal path and the third internal path.Type: GrantFiled: August 18, 2023Date of Patent: January 7, 2025Assignee: Samsung Electronics Co., Ltd.Inventors: Daeman Ko, Sanguk Park, Sunghyun Na, Wooseok Oh
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Patent number: 12189657Abstract: System and method embodiments are provided for using different storage formats for a primary database and its replicas in a database managed replication (DMR) system. As such, the advantages of both formats can be combined with suitable design complexity and implementation. In an embodiment, data is arranged in a sequence of rows and stored in a first storage format at the primary database. The data arranged in the sequence of rows is also stored in a second storage format at the replica database. The sequence of rows is determined according to the first storage format or the second storage format. The first storage format is a row store (RS) and the second storage format is a column store (CS), or vice versa. In an embodiment, the sequence of rows is determined to improve compression efficiency at the CS.Type: GrantFiled: June 9, 2022Date of Patent: January 7, 2025Assignee: Futurewei Technologies, Inc.Inventors: Qingqing Zhou, Yang Sun, Guogen Zhang
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Patent number: 12182783Abstract: A computer-implemented method includes receiving a first transaction request including a first transaction amount, determining that the first transaction amount would cause a violation of a daily spending limit, determining to apply an adaptive daily spending limit (ADSL) override, generating an approval message indicating that the first transaction request is approved based on the application of the ADSL override, transmitting the approval message to the ATM, and dispensing the first transaction amount in a currency by the ATM.Type: GrantFiled: April 10, 2023Date of Patent: December 31, 2024Assignee: Wells Fargo Bank, N.A.Inventor: James Adkins
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Patent number: 12182461Abstract: In a server system, the computer stores in the printer a usable print quantity in association with a printer in response to an increase request from an external device. The increase request is a request to store an increased quantity as the usable print quantity. The usable print quantity indicates one of the number of sheets and an amount of colorant which are usable for printing in the printer. The computer determines, after a communication interface is disconnected from the printer, whether a reconnection is established between the communication interface and the printer. The computer determines, when the reconnection is determined to be established, whether the usable print quantity has been reflected in data in the printer. The computer sends to the printer, when the usable print quantity is determined not to have been reflected in any data in the printer, a reflecting instruction to reflect the usable print quantity.Type: GrantFiled: March 8, 2023Date of Patent: December 31, 2024Assignee: BROTHER KOGYO KABUSHIKI KAISHAInventors: Yuki Kitahashi, Shunsuke Minamikawa, Taichiro Kimoto, Yushi Deura, Ayaka Hotta
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Patent number: 12175437Abstract: In an embodiment, a computer-implemented method comprises storing invoice data comprising a plurality of invoice objects, each invoice object comprising a digital programmatic object that is maintained in computer memory, each invoice object comprising one or more data fields that are programmatically linked to and storing data for an invoice between a supplier account and a buyer account, the one or more data fields including a remittance address that specifies an address to which a payment is to be sent; determining, based on the plurality of invoice objects, a set of unique remittance addresses, each unique remittance address of the set of unique remittance addresses associated with a distinct supplier account; generating a first set of payment objects based on the set of unique remittance addresses, each payment object of the first set of payment objects associated with a unique remittance address of the set of unique remittance addresses; determining, based on the plurality of invoice objects, that a parType: GrantFiled: June 29, 2020Date of Patent: December 24, 2024Assignee: Coupa Software IncorporatedInventors: Tushar Maheshbhai Rawal, Adam Alphin, Rajiv Ramachandran, David Williams, Rohit Jalisatgi, Matthew Pasquini, Thomas Brent Knott, Faraz Ahmed Qureshi
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Patent number: 12175528Abstract: The subject matter disclosed herein provides methods for downloading chargeback records. For example, the method may include selecting a merchant from a first web portal associated with a first financial institution and providing first authentication information associated with the merchant and the first financial institution into the first web portal. The method may then include accessing, via the first web portal, first chargeback records for the merchant. Additionally, the method can include selecting the merchant from a second web portal associated with a second financial institution and providing second authentication information associated with the merchant and with the second financial institution into the second web portal. The second authentication information can be different than the first authentication information. Then, the method can include accessing second chargeback records for the merchant.Type: GrantFiled: May 1, 2023Date of Patent: December 24, 2024Assignee: Midigator, LLCInventors: Eric Nordyke, Corey Baggett, Benjamin Hale
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Patent number: 12177365Abstract: A computer-implemented method is disclosed. The method includes: receiving, via a client device, a resource transfer request for resources to be transferred to a transferee account; generating a secure data object based on request data of the resource transfer request, the secure data object including a first hash computed based on an input string comprising a transferee account identifier; signing the secure data object using a private key of a transferee resource account management system; and sending the signed secure data object to a messaging address associated with a transferor account.Type: GrantFiled: October 6, 2023Date of Patent: December 24, 2024Assignee: The Toronto-Dominion BankInventors: Milos Dunjic, Asad Joheb, David Samuel Tax
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Patent number: 12177351Abstract: Systems as described herein may include authorizing the sharing of data and sharing data between a variety of systems. A request to share data may be provided to a first system. The system may create sharing session data using smart contracts executed by a distributed network system. Sharing session data may be stored using a smart contract. A second system may obtain the sharing session data and verify the sharing session based on the execution of the smart contract. On verification of the sharing session, a variety of data may be shared between the systems identified in the sharing session data. The sharing session data may be established between two systems and/or a number of systems. Smart contracts may provide a variety of functions for authorizing the sharing of data between systems. Additionally, encrypted data may be stored and/or obtained using a smart contract.Type: GrantFiled: November 19, 2021Date of Patent: December 24, 2024Assignee: Capital One Services, LLCInventors: Qiaochu Tang, Steve Frensch, Taras Kuzin, John Santoro
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Patent number: 12169845Abstract: The disclosed exemplary embodiments include computer-implemented processes that assess initiated data exchanges in real-time based on structured messaging data. In some examples, an apparatus may receive a message associated with an exchange of data involving a first counterparty and a second counterparty and characterizing a real-time payment requested from the second counterparty by the first counterparty. The apparatus may determine a first identifier of the first counterparty based on elements of the message data disposed within corresponding message fields, and transmit notification data to a device operable by the second counterparty, which may present portions of the notification data within a digital interface. The apparatus may receive review data indicative of a review associated with the data exchange from the device, and store the first identifier and the review data in a data repository.Type: GrantFiled: September 8, 2021Date of Patent: December 17, 2024Assignee: The Toronto-Dominion BankInventors: Christopher Mark Jones, Barry Wayne Baird, Jr., Claude Bernell Lawrence, Jr., Jonathan Joseph Prendergast
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Patent number: 12169840Abstract: Methods and systems for providing a refund amount to a customer account for a payment transaction that occurred using a real-time payment network. In an embodiment, a supplemental payment services computer receives a refund request including a transaction reference and a token concerning a payment transaction between a merchant and a customer, determines that the payment transaction was effected in a real-time payment network, determines an issuer financial institution (FI) computer of an issuer FI maintaining a customer account represented by the token, transmits the refund request to the issuer FI computer, receives a favorable authorization response and transmits the authorization response to an acquirer FI computer associated with the merchant.Type: GrantFiled: June 21, 2022Date of Patent: December 17, 2024Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Irina Singh, Sandeep Malhotra, Suman Rausaria
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Patent number: 12169864Abstract: A system for leveraging email to complete an online checkout from a customer accessing a third party vendor website is disclosed. The system may store customer information including a name, email address, shipping address, and billing information. The system may receive a request for a purchase from the third party vendor including a customer email address and an item to be purchased. The system may authenticate the customer email address. The system may send a first email to the customer email address requesting authorization to complete a purchase. The system may receive a second email, from the customer email address, encoded with the token and confirming or canceling the purchase. The system may authenticate the second email using the customer email address and the token. And the system may transmit a confirmation of purchase of the at least one item to the third party vendor website.Type: GrantFiled: April 23, 2021Date of Patent: December 17, 2024Assignee: SWOOP IP HOLDINGS LLCInventor: Matthew Custer
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Patent number: 12165450Abstract: An information processing apparatus in the present invention includes: an acquisition unit that acquires a first biometrics information group including biometrics information on a first person detected from a first image captured in a first area from a registered biometrics information group including biometrics information on a plurality of registrants; and a matching unit that matches biometrics information on a second person detected from a second image captured in a second area that is different from the first area against biometrics information included in the first biometrics information group.Type: GrantFiled: August 29, 2023Date of Patent: December 10, 2024Assignee: NEC CORPORATIONInventors: Yumi Maeno, Takahiro Nishi, Yutaro Nashimoto
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Patent number: 12165144Abstract: A device may configure a browser to permit cash payments for online transactions. The device may monitor a browser session of the browser. The device may detect, during the browser session, navigation of the browser to a transaction page of a website. The transaction page may be configured to facilitate an online transaction with the website. The device may determine, based on detecting the navigation of the browser to the transaction page, that a cash payment is to be provided. The device may cause a validation code to be generated. The device may cause, based on the validation code being processed, a virtual transaction card to be generated. The device may facilitate, using virtual card information associated with the virtual transaction card, execution of the online transaction.Type: GrantFiled: April 10, 2023Date of Patent: December 10, 2024Assignee: Capital One Services, LLCInventors: Adam Vukich, Sarah J. Cunningham, Tyler Maiman, Michael Mossoba, Leeyat Bracha Tessler, Bryant Yee