Bill Distribution Or Payment Patents (Class 705/40)
  • Patent number: 9893955
    Abstract: Methods of managing access to systems of an organization are provided. The methods include creating a unique identifier for a user, the unique identifier having an associated user profile for the user and being stored with the associated user profile in an identifier repository associated with the organization; requesting at least one account for the user on at least one system of the organization responsive to the creation of the unique identifier for the user, wherein the at least one account is defined based on the user profile of the user associated with the unique identifier; and generating the at least one account for the user on the at least one system of the organization responsive to the request. Related systems and computer program products are also provided herein.
    Type: Grant
    Filed: December 30, 2009
    Date of Patent: February 13, 2018
    Assignee: AT&T INTELLECTUAL PROPERTY I, L.P.
    Inventors: Allison Reeves, Michael Johnson, Michael Kirkpatrick, Gary Toretti
  • Patent number: 9886690
    Abstract: A system that incorporates the subject disclosure may include, for example, a system for receiving a request to modify a universal integrated circuit card, generating a package comprising configuration data for modifying the universal integrated circuit card, encrypting the package with a transport key to generate an encrypted package, transmitting the encrypted package to a communication device communicatively coupled to the universal integrated circuit card to provision the universal integrated circuit card, and providing a mobile network operator trusted service manager system information relating to the configuration data to enable the mobile network operator trusted service manager system to manage content and memory allocation of the universal integrated circuit card. Other embodiments are disclosed.
    Type: Grant
    Filed: October 6, 2015
    Date of Patent: February 6, 2018
    Assignees: AT&T MOBILITY II LLC, AT&T INTELLECTUAL PROPERTY I, L.P.
    Inventors: Walter Cooper Chastain, Clifton Ashman Campbell, Stephen Emille Chin, David Harber, Brian Keith Rainer, David K. Smith, Shih-Ming Wang
  • Patent number: 9888005
    Abstract: An item-providing system supplies items to a user device for consumption at the user device via communication infrastructure. The device may correspond to a book reader device or other type of device. The item-providing system uses a content delivery module to deliver the items to the user device.
    Type: Grant
    Filed: October 15, 2015
    Date of Patent: February 6, 2018
    Assignee: Amazon Technologies, Inc.
    Inventors: John Lattyak, Subram (Narsi) Narasimhan, Michael V. Rykov, Richard Moore, Beryl Tomay, Thomas Aquinas Ryan, Girish Bansilal Bajaj, Kevin R. Cheung, Jon Saxton, Kenneth Paul Kiraly, Aviram Zagorie, Robert L. Goodwin, Gregg Elliott Zehr, James C. Slezak, Thomas M. J. Fruchterman
  • Patent number: 9881281
    Abstract: Embodiments of the present invention provide a system and method for collaboratively planning an event via a collaborative event planning application. The collaborative event planning application may be accessed via user terminals connected to a network such as the Internet. Individual aspects such as theme, date, location, attire, travel, and lodging pertinent to the event and group discussion may be edited by a host, designated co-hosts, and invitees. Hosts and invitees may also make decisions regarding the event by voting. The collaborative event planning application may also periodically suggest vendors and provide notifications and recommendations based on the event details and preferences of the users.
    Type: Grant
    Filed: March 15, 2013
    Date of Patent: January 30, 2018
    Inventor: Jennifer L. Burka
  • Patent number: 9875469
    Abstract: When a merchant sells goods or services in a sales transaction, a merchant device can generate a bill. The bill includes an itemized list of the goods and services, a price for each item, and an identifier of the sales transaction. A first customer and a second customer split the bill using a first customer device and a second customer device, respectively. The first customer device establishes communication between the first customer device and the merchant device. Using the identifier of the sales transaction, the first customer device pays a portion of the itemized list of the goods and services at the merchant device. The second customer device establishes communication between the second customer device and the merchant device. Using the identifier, the second customer device pays a remaining portion of the itemized list of the goods and services at the merchant device.
    Type: Grant
    Filed: December 24, 2013
    Date of Patent: January 23, 2018
    Assignee: Square, Inc.
    Inventors: Andrew Chin, Dan Seeman
  • Patent number: 9870561
    Abstract: A numbering system is provided having an identifier with hexadecimal, vigesimal, quadrivigesimal, or any other suitable alphanumeric characters includable on a card and an account identifiable using the identifier. The card can be a gift card, a customer loyalty card, or a customer incentive card. An interface may be connected to a communications network that is accessible to associate the identifier with an account and manage funds associable with the account. Funds data may be associable with the account and storable on the remote server, the funds data relating to the funds transferred by a user to a card issuer. The identifier may be storable on the card in an electronically readable format, and may be included on the card via printing and/or imprinting. A method is provided for using the numbering system.
    Type: Grant
    Filed: April 6, 2015
    Date of Patent: January 16, 2018
    Assignee: WILOPEN PRODUCTS, LC
    Inventor: Gordon M. Kramer
  • Patent number: 9870568
    Abstract: Methods and systems for determining prices of customized virtual machines required to process customer-specified workloads are disclosed. A count of instances of the customized virtual machines, required to process the customer-specified workloads is determined, based on a configuration of the customized virtual machines. The instances of the customized virtual machines are consolidated on virtual machine servers. Further, the prices of the customized virtual machines are determined based on a count of the virtual machine servers, unused resources in the virtual machine servers, and unused resources in the customized virtual machines. The determined prices are recommended to the customer. Further, at least one of the prices of the customized virtual machines or the configuration of at least one or more customized virtual machines is modified, based on a response to the recommendation received from the customer.
    Type: Grant
    Filed: November 19, 2013
    Date of Patent: January 16, 2018
    Assignee: Xerox Corporation
    Inventors: Gueyoung Jung, Tridib Mukherjee, Shruti Kunde
  • Patent number: 9871920
    Abstract: An apparatus includes a communications module that establishes a verbal communication between an automated attendant of a company and a customer through an electronic device in the possession of the customer. An identification module receives an identifier that alerts the automated attendant and/or a computer system of the company that the customer has a customer profile stored electronically. The customer profile includes information to identify the customer. The identifier is received in conjunction with the verbal communication, and includes an electronic data signal. The customer profile is stored previous to the verbal communication. An ID confirmation module receives an identification confirmation in response to identifying information input by the customer matching the information to identify the customer in the customer profile. The identity of the customer is confirmed electronically.
    Type: Grant
    Filed: August 7, 2017
    Date of Patent: January 16, 2018
    Assignee: TELEPERFORMANCE SE
    Inventors: Alan Truitt, Dev Mudaliar
  • Patent number: 9864982
    Abstract: The present disclosure involves systems, software, and computer implemented methods for sending payment requests to one or more persons or entities based on images in which the persons or entities appear. In one example, the process may include identifying an image associated with a payment request, the identified image containing at least one recipient associated with the payment request, and wherein the payment request includes a value, analyzing the identified image to identify the at least one potential recipient of the payment request, identifying contact information associated with the at least one identified recipient of the payment request, and sending the payment request to the at least one identified recipient of the payment request via a destination associated with the identified contact information.
    Type: Grant
    Filed: October 31, 2014
    Date of Patent: January 9, 2018
    Assignee: The Toronto-Dominion Bank
    Inventors: Lori Bristow, Paul Mon-Wah Chan, Jonathan K. Barnett, Orin DelVecchio, Lauren van Heerden
  • Patent number: 9864988
    Abstract: Systems, methods, and apparatuses for providing a portable consumer device (e.g., a plastic card) that includes a coupon code and an account number (e.g., embedded on a magnetic stripe or a chip) where the portable consumer device is configured to apply a coupon to goods and services purchased at a merchant (e.g., store). Upon identifying the goods and services under a particular category specified by the coupon code (e.g., healthy food category), a user may pay for a predetermined portion (e.g., 50%) of the goods and services under the particular category using the portable consumer device. The user may pay for the remaining portion using a benefits card (e.g., state benefits card). As such, by allowing the user to pay for the predetermined portion using the portable consumer device, the user has incentive to purchase goods and services that fall under the particular category.
    Type: Grant
    Filed: June 12, 2013
    Date of Patent: January 9, 2018
    Assignee: Visa International Service Association
    Inventors: Mary Theresa Taylor, Karen Louise Cervenka, Marla Bischoff, Justin Chace
  • Patent number: 9846879
    Abstract: A method for validating payment information for an online transaction is provided. A payment server can receive two representations of the same payment information. The payment information can be validated if it is determined that the two representations match. If there is no match, or the payment information is otherwise invalid, the payment information can be repaired based on a trusted representation of the payment information, such as stored payment information or an image of an associated value token. Payment information can be received via one or more communication channels, and can be provided by one or more consumer devices. A merchant service provider can validate payment information and handle transaction processing on behalf of a merchant.
    Type: Grant
    Filed: July 2, 2014
    Date of Patent: December 19, 2017
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Bharathi Ramavarjula, Nimesh Parikh, Timothy Wright
  • Patent number: 9842330
    Abstract: In some examples, an account is provisioned onto an electronic device. In some examples, the device receives a value to fund the account provisioned on the electronic device. In some examples, the electronic device transacts with a contactless transaction terminal using the provisioned account and displays an indication of the transaction. In some examples, the electronic device transmits information corresponding to the provisioned account without checking for authentication. In some examples, the device receives user input initiating a process for moving the account from a first device to a second device. In some examples, the device receives account payment credentials from a second device when a set of payment criteria are met.
    Type: Grant
    Filed: September 23, 2016
    Date of Patent: December 12, 2017
    Assignee: APPLE INC.
    Inventors: Marcel Van Os, Charles Ahn, Oluwatomiwa B. Alabi, Peter D. Anton, George R. Dicker, Donald W. Pitschel, Glen W. Steele, Simon Tickner
  • Patent number: 9836780
    Abstract: A method of initiating a consumer transaction using a human interaction device to read voice or human based gesture actions is disclosed. Video data is transmitted from a processing device to a display device. The video is monitoring for event data corresponding to a plurality of consumer products or services, and monitored event data is received in the processing device. A consumer is notified on the display device of an eligible consumer transaction. Voice or human based gesture actions are read with a human interaction device and are analyzed. If the voice or human based gesture actions conform to a predetermined set of requirements, then a consumer transaction for the plurality of consumer products or services is initiated.
    Type: Grant
    Filed: November 18, 2011
    Date of Patent: December 5, 2017
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Alan Cooke, Garry Lyons, Oran Cummins, Stephen Elder
  • Patent number: 9830656
    Abstract: A method conducting financial transactions over a computerized network, which includes conducting awareness propagation such that capital movement over a participant system-network is optimized.
    Type: Grant
    Filed: March 24, 2015
    Date of Patent: November 28, 2017
    Inventor: Zachary Pessin
  • Patent number: 9830587
    Abstract: A system, method and device for customizing online merchant payments for mobile devices without merchant integration are provided. In an embodiment, a mobile device monitors a state of a web-based session between the mobile device and an online merchant and detects and intercepts a payment form received from an online merchant for entering payment information to complete a purchase transaction with the online merchant. The mobile device displays a list of one or more payment types available for selection to complete the purchase transaction. The user selects and payment type and the mobile device retrieves associated payment information from a server based on the payment type selected by the user. The mobile device populates fields of the payment form with the retrieved payment information, displays the populated payment form to the user for confirmation to complete the purchase transaction, and submits the populated payment form to the online merchant.
    Type: Grant
    Filed: December 13, 2012
    Date of Patent: November 28, 2017
    Assignee: Sprint Communications Company L.P.
    Inventors: Timothy L. Bell, Sai Suresh Ganesamoorthi, Hemant Tiwari
  • Patent number: 9813853
    Abstract: A message transmission method includes steps of receiving a identifier of a first wireless transmitter by a first portable device; transmitting associative message of the wireless transmitter by the first portable device; retrieving the identifier of the targeted wireless transmitter according to the identifier transmitted by the first wireless transmitter; linking the associative message of the wireless transmitter with the identifier of the targeted wireless transmitter; verifying the identifier of the targeted wireless transmitter with a identifier transmitted by a second wireless transmitter and received by a second portable device to confirm whether the identifier is the same or not; and if the identifier is the same, the second portable device retrieves wireless transmitter associative message which is associative to the identifier of the targeted wireless transmitter for later application.
    Type: Grant
    Filed: February 16, 2015
    Date of Patent: November 7, 2017
    Assignee: CHUNGHWA TELECOM CO., LTD.
    Inventors: Shih-Cheng Yang, Jia-Ming You, Cheng-Yang Chen
  • Patent number: 9811814
    Abstract: The technical field includes machine, manufacture, process, and product produced thereby, as well as necessary intermediates, which pertain to power sources, units thereof, computer systems used to facilitate operation of one or more power sources.
    Type: Grant
    Filed: August 27, 2013
    Date of Patent: November 7, 2017
    Assignee: GREENLIGHT INDUSTRIES, INC.
    Inventors: Thomas J. Phillips, Joseph M. Zlotnicki
  • Patent number: 9805359
    Abstract: A method is permitted to permit remote log in credential authentication for mobile users seeking access to a computer system through a second party computer system such as an aggregator.
    Type: Grant
    Filed: September 8, 2012
    Date of Patent: October 31, 2017
    Assignee: MX TECHNOLOGIES, INC.
    Inventor: Ryan Caldwell
  • Patent number: 9799026
    Abstract: A system and method for straight through payment processing when the merchant is known but the merchant's payment card acquirer is unknown. Payment instructions from a payee to the merchant are normalized for a target acquirer system which is selected either at random, based on business logic and data, or based on successful past straight through payments. Payments are attempted for each acquirer successively until a successful payment notification is received. The link to the merchant and acquirer is then saved for subsequent straight through payments to that merchant.
    Type: Grant
    Filed: December 17, 2014
    Date of Patent: October 24, 2017
    Assignee: Supersede Solutions, LLC
    Inventors: Robert M. Allen, Richard Taylor
  • Patent number: 9792605
    Abstract: A method includes receiving a first account indicator, where the first account indicator identifies a first financial account. The method further includes receiving a second account indicator, which identifies a second financial account. Still further, the method includes receiving a split signal, which indicates how future transactions are to be divided between the first financial account and the second financial account. The split signal may have been generated in response to interaction by an account holder with a slide-bar display element of a user interaction screen display.
    Type: Grant
    Filed: November 6, 2014
    Date of Patent: October 17, 2017
    Assignee: MasterCard International Incorporated
    Inventor: Stephen Suganth Raja
  • Patent number: 9792619
    Abstract: Systems and methods are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers.
    Type: Grant
    Filed: September 3, 2013
    Date of Patent: October 17, 2017
    Assignee: BLACKHAWK NETWORK, INC.
    Inventors: Mark E. Roberts, Jennifer K. Mathe, Khahn Nguyen
  • Patent number: 9785999
    Abstract: A method and apparatus are herein disclosed for allowing suppliers to generate an invoice from a purchase order without requiring them to log in or pre-register with a networked application. Implementation is provided by having a first user provide a first document to a networked application. An electronic notification is dispatched to a receiver for the first document with a unique link to a data entry page within the networked application. The data entry page is sandboxed with limited functionality within the networked application, but accepts data from the receiver to be sent directly into the first user's system.
    Type: Grant
    Filed: October 2, 2014
    Date of Patent: October 10, 2017
    Assignee: Coupa Software Incorporated
    Inventors: Donna Wilczek, Gabriel Perez, Robert Bernshteyn, Raja Hammoud, David Williams
  • Patent number: 9779422
    Abstract: A revenue share analysis module can determine individual session revenues for content items provided by content providers. The module can also determine total session content revenues for each of the content items according to the determined individual session revenues, and determine respective content values for each of the content items according to the determined total session revenues for each of the content items. It also may determine total session provider revenues for each of the content providers according to the determined total session revenues for each of the content items, and determine respective provider values for each of the content providers according to the determined total session revenues for each of the content providers. Also, it can determine revenue share offers according to the content values and/or the provider values.
    Type: Grant
    Filed: October 1, 2013
    Date of Patent: October 3, 2017
    Assignee: Excalibur IP, LLC
    Inventor: Supreeth Rao
  • Patent number: 9773237
    Abstract: A software- and/or hardware-based transaction manager that reflects the application program interface(s) and/or system(s) for establishing sessions used to commit to, rollback and/or execute multiple payments made pursuant to a single financial transaction. This is accomplished by sharing sessions through co-browsing, or by continuous event logging and maintaining synchronous payments across a group of users in order to support the lifecycle of each individual payment and session along with completion responsibility of the overall transaction.
    Type: Grant
    Filed: June 20, 2014
    Date of Patent: September 26, 2017
    Assignee: GLOBALFOUNDRIES INC.
    Inventors: Srihari N. Ananda kumar, Lohith Ravi, Rajath Ramesh
  • Patent number: 9769099
    Abstract: The invention relates to systems, methods and computer-readable medium for handling email communications. A system includes server(s) configured to execute a recipient registration and profile maintenance component that stores recipient registration details including a recipient-required donation amount; an email processing component that (a) receives an email message, (b) determines a sender key representing a sender of the email message, (c) checks the sender key to determine if the sender is recipient-approved, (d) stores the email message in an inbox of the recipient if the sender is recipient-approved, and (e) if the sender is not recipient-approved, stores the email message in a pending donation space of the recipient and emails a donation request to the sender; and a donation confirmation processing component that receives a donation confirmation and stores the email message in a post donation space of the recipient.
    Type: Grant
    Filed: March 4, 2015
    Date of Patent: September 19, 2017
    Inventor: Youval Bronicki
  • Patent number: 9760732
    Abstract: A method and system for verifying a target attribute of a company profile record. It is ascertained that a database stores the company profile record including the target attribute and a validity attribute associated with the target attribute. The validity attribute has a VALID or INVALID value respectively indicating that the target attribute in the company profile record has a valid or invalid value within the database. It is insured that the database stores a first and second user profile record, that a first user of a requisition transaction corresponds to the first user profile record, that the first user profile record includes the target attribute having a value identical to a value of the target attribute of a first company profile record associated with a first company represented by the first user, and that the validity attribute of the first company profile record has the VALID value.
    Type: Grant
    Filed: February 10, 2017
    Date of Patent: September 12, 2017
    Assignee: International Business Machines Corporation
    Inventors: Macam S. Dattathreya, William P. Shaouy, Russell T. White, Jr.
  • Patent number: 9762745
    Abstract: A method for automatically generating service usage information in a telecommunication network, wherein the service usage information relates to a group of telecommunication transmission devices requesting a plurality of different types of telecommunication services on the telecommunication network, includes: for each request event of a telecommunication service of a telecommunication transmission device of the group of telecommunication transmission devices requested on the telecommunication network, generating an entry of the service usage information, wherein at least one type of the plurality of different types of telecommunication services is associated with each entry; and generating an aggregate entry, wherein the aggregate entry relates to the entries of the service usage information, and wherein the aggregate entry comprises aggregate information on each type of the plurality of different types of telecommunication services.
    Type: Grant
    Filed: April 15, 2013
    Date of Patent: September 12, 2017
    Assignee: DEUTSCHE TELEKOM AG
    Inventor: Yuemei Chen
  • Patent number: 9760328
    Abstract: A computer generated method disclosed. The method includes examining a print job data stream spooled in a spooled print production file, identifying one or more white space regions within documents in the print production file and inserting content into each of the white space regions.
    Type: Grant
    Filed: April 30, 2010
    Date of Patent: September 12, 2017
    Assignee: Ricoh Company, LLC
    Inventors: Scott D. Mastie, Craig D. Brossman
  • Patent number: 9754245
    Abstract: Technologies are described herein for a payments portal. A payments portal can be configured to support payments by generating and embedding widgets in webpages hosted by merchant sites associated with a marketplace. The widgets can provide specific payment functionality for users, thereby providing consistent payment experiences across merchant sites without updating the merchant sites. The widgets can be dynamic or static. Interactions with the widgets can cause a browser displaying the widgets to access data hosted by the payments portal and/or other systems, devices or services in communication with the payments portal.
    Type: Grant
    Filed: March 12, 2013
    Date of Patent: September 5, 2017
    Assignee: Amazon Technologies, Inc.
    Inventors: Alan Greame Davison, Amitpal Singh Bhutani, Justin Michael Bonnar, Robert Benjamin Brydon, Bryan Christopher Castillo, Dennis Scott Doctor, Thomas Luke Kovarik, Aatish Suresh Mandelecha, John Matthew Nienart
  • Patent number: 9754252
    Abstract: A system and method in accordance with example embodiments may provide a user-loadable stored value card. Additionally, a system and method in accordance with example embodiments may allow an institution to receive a user-loadable stored value card activation request from a sender, activate a user-loadable stored value card using the information received in the activation request, and provide card management capabilities to the sender.
    Type: Grant
    Filed: February 27, 2014
    Date of Patent: September 5, 2017
    Assignee: Capital One Financial Corporation
    Inventor: David Pinski
  • Patent number: 9756182
    Abstract: An automated calling system authenticates and subsequently communicates via a telephone network with a person such as a current or prospective customer. The communication may be in regards to an account having an adverse account status (e.g. a payment delinquency, an overdrawn checking account, being over the credit limit on a credit card, excessive transactions on one account, suspicious or fraudulent transactions on an account, and so on).
    Type: Grant
    Filed: March 3, 2017
    Date of Patent: September 5, 2017
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Charlie Aziz Simon, Jacob Mine Mou
  • Patent number: 9747624
    Abstract: A system and method for a trusted fulfillment agent network system is described. A network of trusted fulfillment agents is generated for a seller in an online marketplace. A transaction between a buyer and the seller corresponding to a listing of the seller in the online marketplace is accessed. A request is generated to the network of trusted fulfillment agents of the seller to fulfill a shipment of an item from the listing to the buyer on behalf of the seller.
    Type: Grant
    Filed: November 16, 2012
    Date of Patent: August 29, 2017
    Assignee: eBay Inc.
    Inventors: Srinivasan Raman, Frank Anthony Nuzzi
  • Patent number: 9749391
    Abstract: In a bill payment and presentation system, a method for electronically routing billing information over a communications network is provided, using an open financial exchange communication protocol. The method provides for a centrally located mainframe system and a switching system for coordinating the routing of messages between customer service providers and biller service providers. In particular, the method collects at the CSPs and at the BSPs mainframe application files comprising the messages, forwards these files in batch mode to the mainframe system and converts with a switching system these mainframe files into web-enabled addresses, allowing for the effective transmission of financial billing information in flat-file and/or Internet-based form.
    Type: Grant
    Filed: June 20, 2011
    Date of Patent: August 29, 2017
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Robert G. Trende, Paul J. Mila, Cathleen Conforti, Patrick J. Leathrum, Clifford A. Kinnunen, Jr., Brian D. Lock, Matthew T. Holton, Jeffrey M. Stark
  • Patent number: 9721268
    Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing supplemental account information in digital wallets. An exemplary apparatus is configured to: receive a request to provide a digital wallet on a user's mobile device, authenticate at least one payment credential for use within the digital wallet; receive access to an application programming interface configured to push offers to digital wallets, wherein the application programming interface is associated with at least one database maintained by the digital wallet provider; receive, via the application programming interface one or more offers from the at least one database, wherein the offers include at least one incentive for processing payments using the at least one payment credential associated with the digital wallet; and present, to the user on a display of the mobile device, the one or more offers.
    Type: Grant
    Filed: March 4, 2014
    Date of Patent: August 1, 2017
    Assignee: Bank of America Corporation
    Inventors: Laura Corinne Bondesen, Jason P. Blackhurst, Scott Lee Harkey, William Blakely Belchee, Tammy L. Brunswig
  • Patent number: 9721244
    Abstract: A two way authentication method, including receiving by an authentication server first encrypted data from a merchant computing device, receiving by the authentication server second encrypted data from a customer computing device, determining by the authentication server if the first encrypted data matches the second encrypted data, if the first encrypted data matches the second encrypted data, authenticating the customer computing device, if the first encrypted data does not matches the second encrypted data, not authenticating the customer computing device.
    Type: Grant
    Filed: March 15, 2013
    Date of Patent: August 1, 2017
    Inventor: Maher Pedersoli
  • Patent number: 9715704
    Abstract: A system and method for assisting ordering and payment processing of an order invoice associated with a product selected by a customer. The system comprises collecting product data about the product and generates the order invoice information for use by at least an accounting system of the merchant. The system receives symbology information in an aggregated barcode associated with the order invoice, the symbology information including at least a portion of the order invoice information encoded using a coding scheme of a barcode. The system provides an image of the aggregated barcode to the customer for use in generating a transaction request for settlement of the order invoice, and receives a transaction response indicating transaction approval or transaction denial of the order invoice.
    Type: Grant
    Filed: February 15, 2012
    Date of Patent: July 25, 2017
    Assignee: Riavera Corp
    Inventor: Mark Itwaru
  • Patent number: 9712664
    Abstract: Systems and methods discussed herein are employed in a cross-platform notification system configured to send a series of notifications to devices and/or subscription services associated with an account where a payment is due. These notifications may be sent to an increasing number of devices and/or subscription services as time passes from when payment was due, and the iterations of notifications may take up progressively more of a graphical user interface and/or be displayed for an increasing period of time until a final notification is sent, after which point access to telecommunications services and subscription services, except for emergency functions, accessed through the telecommunications service provider are no longer available to users associated with the overdue account.
    Type: Grant
    Filed: January 5, 2016
    Date of Patent: July 18, 2017
    Assignee: Sprint Communications Company L.P.
    Inventors: Michael P. McMullen, Mark D. Peden, Raymond Reeves
  • Patent number: 9707483
    Abstract: An apparatus, method and computer-readable storage medium for efficiently collecting doobers. A game area may be presented in a graphical user interface on a display device. The game area may include a game character associated with a first player, regions and objects within the regions. The character may move within the regions and interact with the objects. One or more doobers may be presented in the game area, and the doober(s) may be identified as collected by the first player in response to one or more inputs to the graphical user interface by the first player. The doober(s) may be marked as collected if an input is within a particular distance from the doober(s).
    Type: Grant
    Filed: May 20, 2015
    Date of Patent: July 18, 2017
    Assignee: Zynga Inc.
    Inventor: Seth John Sivak
  • Patent number: 9706382
    Abstract: Structures and protocols are presented for signaling a status or decision concerning a wireless service or device within a region to a communication device (smartphone or wearable device, e.g.) or other wireless communication participant (motor vehicle having a wireless communication capability, e.g.).
    Type: Grant
    Filed: June 28, 2013
    Date of Patent: July 11, 2017
    Assignee: Elwha LLC
    Inventors: Roderick A. Hyde, Royce A. Levien, Richard T. Lord, Robert W. Lord, Mark A. Malamud, Clarence T. Tegreene
  • Patent number: 9705672
    Abstract: Disclosed are a key management method and system. A master key is remotely downloaded to avoid the problem that the master key is not issued to a merchant until the master key needs be downloaded on a POS terminal, so as to reduce logistics costs and maintenance costs. When a key is remotely downloaded, a KMS system uses a symmetric algorithm to encrypt the key to be transmitted to ensure that the encrypted key can only be decrypted by a corresponding POS terminal, thereby ensuring the security of data transmission. During bidirectional authentication, an application program of the POS terminal can only contact an encrypted text form of the key instead of a plain text key needing to be remotely downloaded to the POS terminal, thereby ensuring security in reproduction.
    Type: Grant
    Filed: January 23, 2014
    Date of Patent: July 11, 2017
    Assignee: FUJIAN LANDI COMMERCIAL EQUIPMENT CO., LTD.
    Inventors: Wenlong Su, Luqiang Meng, Chengyong Yao, Ruibing Chen
  • Patent number: 9703983
    Abstract: The invention provides methods and apparatus for securing personalized or sensitive information appearing in digital images. Digital images containing information to be secured is processed and divided into a plurality of image cells. At least one image cell from the plurality of image cells is selected and redacted or altered to render the information to be secured with the selected image cells indecipherable. The invention also provides methods and apparatus for transmitting or streaming unredacted image cells alone or in combination with redacted image cells for secured viewing on a user browser or computer.
    Type: Grant
    Filed: December 22, 2014
    Date of Patent: July 11, 2017
    Assignee: The 41st Parameter, Inc.
    Inventors: Ori Eisen, Raz Yalov
  • Patent number: 9706051
    Abstract: An apparatus includes a communications module that establishes a telephonic connection between a customer service representative of a company and a customer through an electronic device. An identification module receives an identifier that alerts the customer service representative and/or a computer system of the company that the customer has a customer profile that includes information to identify the customer. The identifier is received in conjunction with the telephonic connection. The customer profile is stored previous to the telephonic connection. An ID request module sends a request to the customer to provide identifying information via the electronic device of the customer. The identifying information is input to the electronic device by the customer using an electronic, non-verbal technique. An ID confirmation module receives an identification confirmation in response to the identifying information input by the customer matching the information to identify the customer in the customer profile.
    Type: Grant
    Filed: February 3, 2016
    Date of Patent: July 11, 2017
    Assignee: TELEPERFORMANCE, SA
    Inventors: Alan Truitt, Dev Mudaliar
  • Patent number: 9697066
    Abstract: The present invention relates to a method for processing data quality exceptions in a data processing system, the data processing system having access to one or more data sources and having access to multiple technical support systems, the multiple technical support systems having one or more predefined technical tasks. The method comprises providing a predefined grouping rule for assigning data quality exceptions to exception groups, and associating each exception group using at least one technical task; receiving a first description of at least a first data quality exception in a data set of the first data source; using the grouping rule for assigning the first data quality exception to at least a first exception group using the first description, and for associating the first exception group with a first technical support system; routing by the exception engine at least part of the first description to the first technical support system.
    Type: Grant
    Filed: March 26, 2015
    Date of Patent: July 4, 2017
    Assignee: International Business Machines Corporation
    Inventors: Mike Grasselt, Albert Maier, Sergej Schuetz, Thomas Schwarz
  • Patent number: 9697188
    Abstract: A method of delivering content of a webpage to a web browser on a device communicating with a network through a proxy server includes embedding a first nested browsing context in a parent browsing context of the web browser where the parent browsing context is associated with a first domain and the first nested browsing context is associated with a second domain; sending a request for content from the first nested browsing context to the second domain through the proxy server; and receiving at the first nested browsing context the content from the second domain.
    Type: Grant
    Filed: November 15, 2013
    Date of Patent: July 4, 2017
    Assignee: Instart Logic, Inc.
    Inventors: Hariharan Kolam, Brian Kennedy
  • Patent number: 9686820
    Abstract: Methods, systems and computer program products for transferring data between mobile devices having heterogeneous wireless communication interfaces includes identifying one or more intermediate mobile devices from social network databases upon detecting an initiation of data transfer from a first mobile device to a second mobile device, wherein the first and second mobile devices have heterogeneous wireless communication interfaces, and wherein the intermediate mobile devices have wireless communication interface compatibility to form an ad hoc wireless network with the first and second mobile devices for transferring data from the first to the second mobile device; implementing the ad hoc wireless network based on availability of the intermediate mobile devices; and transferring the data from the first to the second mobile device through the ad hoc wireless network, wherein said transferring includes hopping the data through each of the intermediate mobile devices from the first to the second mobile device.
    Type: Grant
    Filed: December 11, 2014
    Date of Patent: June 20, 2017
    Assignee: International Business Machines Corporation
    Inventors: Malolan Chetlur, Vijay Ekambaram, Vikrant Nandakumar, Ashok Pon Kumar Sree Prakash
  • Patent number: 9679253
    Abstract: Apparatus and methods for managing and upgrading components in an infrastructure are provided. Records relating to components may be retrieved from a database and separated into subsets based on conditions of those components, the types of those components, deterioration models of those components, and/or other factors. Future condition values may be calculated for each subset, and likelihoods of failure of components may be determined for each subset based on those future condition values. The estimated condition values may be used in order to determine an optimal approach to maintaining, refurbishing, and/or replacing the components in the infrastructure. Computational efficiency is increased.
    Type: Grant
    Filed: October 5, 2015
    Date of Patent: June 13, 2017
    Assignee: Copperleaf Technologies Inc.
    Inventors: Giuseppe Gnocato, Nicholas James Malcolm, Stanley Thomas Coleman
  • Patent number: 9674373
    Abstract: Systems and methods that generate a partial Charging Data Record (CDR) when charging transfers from a primary charging function to a secondary charging function due to a failure. In one embodiment, the system receives an interim accounting request for a session from a secondary charging function after charging was transferred from the primary charging function. The system then opens a new partial CDR for the session based on the interim accounting request. The system receives a prior partial CDR for the session from the primary charging function, parses the prior partial CDR to identify a CDR timestamp, and records a start time in the new partial CDR based on the CDR timestamp. The system parses the interim accounting request to identify an accounting timestamp for the session, records an end time in the new partial CDR based on the accounting timestamp, and closes the new partial CDR.
    Type: Grant
    Filed: January 26, 2015
    Date of Patent: June 6, 2017
    Assignee: Alcatel-Lucent
    Inventors: Ranjan Sharma, Maryse Gardella
  • Patent number: 9665855
    Abstract: Machine, methods, and program product for facilitating electronic inventory tracking and management of products through messaging over a payment network, are provided. An example includes an inventory management computer in communication with a merchant POS apparatus or terminal over an existing financial services payment network and configured to receive and process purchase transaction data associated with a product being purchased, for use by a product provider. The computer can include electronic inventory management program product configured to perform various operations including receiving a purchase transaction message sent through the payment network, storing purchase transaction data, and notifying a product provider of the purchase transaction data.
    Type: Grant
    Filed: November 4, 2013
    Date of Patent: May 30, 2017
    Assignee: METABANK
    Inventors: Jason Brooks, Mike Wells
  • Patent number: 9659443
    Abstract: Systems and methods are disclosed for electronically transferring currency from a source user account to a target user account in relation to a game application. A payment service provider may receive a request to transfer an amount of currency from the source user account to the target user account to be used for the game application.
    Type: Grant
    Filed: January 30, 2013
    Date of Patent: May 23, 2017
    Assignee: PAYPAL, INC.
    Inventor: Lucy Ma Zhao
  • Patent number: 9659326
    Abstract: A system and method for debt presentment and resolution through an Intranet or Internet content provider is disclosed. Said system and method include a plurality of “transaction communities” which are electronic forums allowing interaction between a plurality of debtors and creditors through means of electronic mail (e-mail) or other electronic communication means. The Internet/Intranet based software application allows said debtors to access and input information related to a particular debt with any Internet browser software. Said debtors are provided with the URL (Universal Resource Locator) for said content provider along with a unique identification code from the collection agency(s) through mail correspondence or other communication means. Upon said user entering said URL and entering said identification code, said user may then proceed to choose from a variety of settlement options listed on the HTML (HyperText Markup Language) page.
    Type: Grant
    Filed: November 11, 2011
    Date of Patent: May 23, 2017
    Assignee: Collections Marketing Center, Inc.
    Inventor: Scott L. Evans