Bill Distribution Or Payment Patents (Class 705/40)
  • Patent number: 11915216
    Abstract: Systems and methods are disclosed embodying techniques directed to, in association with a transaction between a payor and a payee, determining a parameter associated with at least one of the payee, payor, or transaction. Methods and systems further include dynamically determining, based on the parameter, a customized transaction flow for the payee, wherein the customized transaction flow comprises a set of operations for completing the transaction. Method and systems are further directed to causing one or more user interfaces corresponding to one or more of the set of operations to be presented via a user device of the payor for execution of the set of operations.
    Type: Grant
    Filed: March 21, 2022
    Date of Patent: February 27, 2024
    Assignee: Block, Inc.
    Inventor: Brian Grassadonia
  • Patent number: 11915221
    Abstract: A method for submission of payment transaction requests from a point of sale (POS) terminal to a financial institution includes reading payment information from a payment vehicle, reading financial institution routing information from the payment vehicle, reading a payment vehicle certificate from the payment vehicle, requesting consumer authentication information from a consumer, and submitting a payment transaction request to the financial institution using the financial institution routing information, a POS terminal certificate, and the payment vehicle certificate.
    Type: Grant
    Filed: September 29, 2022
    Date of Patent: February 27, 2024
    Assignee: Worldpay, LLC
    Inventor: Coy A. Christensen
  • Patent number: 11915247
    Abstract: In an example embodiment, information about one or more failed payment attempts via an electronic payment processing system is obtained. One or more features are extracted from the information. Then, for each of a plurality of potential candidate retry time points, the one or more features and the potential candidate retry time point are fed into a dunning model, the dunning model trained via a machine-learning algorithm to produce a dunning score indicative of a likelihood that a retry attempt at an input retry time point will result in a successful payment processing. The dunning scores for the plurality of potential candidate retry time points are used to select a desired retry time point. Then the electronic payment processing system is caused to attempt to reprocess a payment associated with one of the failed payment attempts at a time matching the desired retry time point.
    Type: Grant
    Filed: August 15, 2022
    Date of Patent: February 27, 2024
    Assignee: Stripe, Inc.
    Inventors: Tara Seshan, Adam Eagle
  • Patent number: 11907919
    Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.
    Type: Grant
    Filed: February 1, 2021
    Date of Patent: February 20, 2024
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Mike Ley
  • Patent number: 11909663
    Abstract: A non-transitory processor-readable medium storing code representing instructions to be executed by a processor can cause the processor to receive an indication to load balance a group of sessions associated with a network node and a switch across a group of links between a gateway device and the switch at a first time. The code causes the processor to calculate at a second time, a load based on the group of sessions and associated with a first set of links in an active configuration before the first time. The code causes the processor to send a signal to cause a set of sessions from the group of sessions to re-establish themselves at a third time based on a threshold value calculated based on the load such that the set of sessions are load balanced across a second set of links in the active configuration at the third time.
    Type: Grant
    Filed: January 28, 2022
    Date of Patent: February 20, 2024
    Assignee: Juniper Networks, Inc.
    Inventors: Jeevan Madhu Kamisetty, Lakshmana Murthy Mantha, Joseph L. White, Simon Jonathan Gordon
  • Patent number: 11909718
    Abstract: Methods for configuring a monitoring device to communicate with a service server are provided. The method includes the monitoring device sending a message including a monitoring device identifier used by a control server to identify the service server associated with the monitoring device, receiving one or more service server addresses associated with the identified service sever from the control server, and establishing a service connection between the monitoring device and the identified service server using the one or more addresses received from the control server. A control server adapted to configure a monitoring device in a monitoring system and a method for configuring the control server are also provided.
    Type: Grant
    Filed: February 24, 2023
    Date of Patent: February 20, 2024
    Assignee: Axis AB
    Inventors: Joacim Tullberg, Johan Adolfsson, Martin Gren
  • Patent number: 11907821
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for training a machine learning model. A method includes: maintaining a plurality of training sessions; assigning, to each worker of one or more workers, a respective training session of the plurality of training sessions; repeatedly performing operations until meeting one or more termination criteria, the operations comprising: receiving an updated training session from a respective worker of the one or more workers, selecting a second training session, selecting, based on comparing the updated training session and the second training session using a fitness evaluation function, either the updated training session or the second training session as a parent training session, generating a child training session from the selected parent training session, and assigning the child training session to an available worker, and selecting a candidate model to be a trained model for the machine learning model.
    Type: Grant
    Filed: September 27, 2019
    Date of Patent: February 20, 2024
    Assignee: DeepMind Technologies Limited
    Inventors: Ang Li, Valentin Clement Dalibard, David Budden, Ola Spyra, Maxwell Elliot Jaderberg, Timothy James Alexander Harley, Sagi Perel, Chenjie Gu, Pramod Gupta
  • Patent number: 11907904
    Abstract: Disclosed is a new intelligent forms automation solution for receiving a request or submission involving multiple types of non-native forms in a consistent manner. An engine locates a field in a non-native form, extracts a globally unique identifier (GUID) from the field and form data from data fields of the non-native form. The GUID is used by the engine to identify and retrieve a virtual copy of a native form identified. The engine fills the virtual copy of the native form with form data from the non-native form. Since the native form can have an associated workflow process, the form data from the non-native form is processed through the workflow. The native form and the non-native form can be created independently of one another. In some cases, a native form can be used to create a non-native form with a hidden field containing the GUID of the native form.
    Type: Grant
    Filed: April 24, 2020
    Date of Patent: February 20, 2024
    Assignee: OPEN TEXT CORPORATION
    Inventor: Mark Nicholas Jackson
  • Patent number: 11900375
    Abstract: A computer system and a transaction machine, such as an automated teller machine (ATM), can provide for any payor to make a payment to a payee at the transaction machine. The transaction machine provides the payor a user interface to enter a passcode that uniquely identifies the payment transaction. The passcode can be generated by a provider computing system associated with the transaction machine and provided directly to the payee or through the payor prior to the transaction. The transaction machine provides the payor a user interface to enter an amount. The transaction machine also provides the payor the ability to make a payment at the transaction machine using various modes of payment such as cash, credit card, or cryptocurrency. The transaction machine verifies that the payment matches the user selected amount, and sends a payment notification to the payor.
    Type: Grant
    Filed: October 5, 2022
    Date of Patent: February 13, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Ashish B. Kurani
  • Patent number: 11903048
    Abstract: A 5G Network Architecture uses virtualization and network slicing. The user equipment (UE) interacts with an underlay network that interacts with virtual network slices. The UE interacts with the underlay network (ULN) to establish a connection to a virtual network slice. Procedures are defined to assign a new slice instance to a UE (UE initiated and ULN initiated); to change a UE Profile (UE initiated and ULN Initiated); and to change a UE's assigned slice instance (ULN Initiated).
    Type: Grant
    Filed: February 8, 2021
    Date of Patent: February 13, 2024
    Assignee: InterDigital Patent Holdings, Inc.
    Inventors: Gregory S. Sternberg, Michael F. Starsinic, Catalina Mihaela Mladin, Rocco DiGirolamo, Hongkun Li
  • Patent number: 11900451
    Abstract: A real-time activity recommendation system receives an input from a user device regarding a targeted financial goal, such as a target credit score. Using machine learning models to evaluate patterns of user activity that contribute positively towards the goal, and to evaluate the limitations and opportunities of the user's financial circumstances and profile, the recommendation system makes an assessment in real time to determine user actions that can be taken to improve credit health based on a user's profile and activity data. A user-specific recommendation regarding an activity that should be performed to reach the goal is generated and transmitted to the user. User and third party activity is later monitored as the user's financial status changes over time, and the recommendations are updated accordingly.
    Type: Grant
    Filed: September 15, 2020
    Date of Patent: February 13, 2024
    Assignee: Chime Financial, Inc.
    Inventors: Ryan Alexander King, Michael Ducker, Tilo Sloboda, Zachary Vaughn Smith
  • Patent number: 11900227
    Abstract: An apparatus for producing a target strategy comprising at least a processor and a memory communicatively connected to the at least a processor. The memory is configured to instruct the processor to receive a history datum. The memory also is configured to instruct the processor to identify a pattern datum using a quantitative field machine learning model. The quantitative field machine learning model is configured to train the quantitative field machine learning model using a quantitative field training data. The quantitative field machine learning model is also configured to identify the pattern datum as a function of the history datum. The memory then instructs the processor to generate a modified target as a function of the pattern datum. Finally, the memory instructs the processor to generate a target strategy as a function of the modified target.
    Type: Grant
    Filed: July 25, 2022
    Date of Patent: February 13, 2024
    Inventors: Chad Willardson, Scott Donnell, Travis Adams
  • Patent number: 11893555
    Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.
    Type: Grant
    Filed: March 15, 2021
    Date of Patent: February 6, 2024
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Jerry Scheller
  • Patent number: 11893551
    Abstract: A system for Augmented Reality (AR) document generation receives a request to generate an AR document with a particular amount directed to a particular receiver. The AR document comprises an AR check. The system generates a unique code for the AR check by converting a name of a sender, a name of the particular receiver, the amount, and a serial number associated with the AR check into a hexadecimal format. The system generates the AR check by taking the unique code as an input and writing the name of the sender, name of the particular receiver, the amount, and the serial number on the AR check extracted from the unique code. The system transmits an image of the AR check to a computing device associated with the particular receiver.
    Type: Grant
    Filed: April 15, 2021
    Date of Patent: February 6, 2024
    Assignee: Bank of America Corporation
    Inventors: Anantharajan Srinivasarangan, Deepak Suresh Dhokane, Rakesh Kumar Jain, Ananth Subramanian, Kiran Pulla
  • Patent number: 11888955
    Abstract: A client application can be configured to render user interface cards, based on card data provided by a remote card engine. An API Response as Card (ARC) engine can intercept a communication between the client application and the card engine, and determine that the communication is associated with another backend system. The ARC engine can request that the backend system perform an account action associated with a user account. The ARC engine can provide information derived from a response from the backend system, reflecting a result of the account action, to the card engine. The card action can generate card data associated with the result of the account action performed by the backend system, and the client application can use the card data to render and display a corresponding card, even if neither the client application nor the card engine are natively configured to interface with the backend system.
    Type: Grant
    Filed: January 29, 2021
    Date of Patent: January 30, 2024
    Assignee: T-Mobile USA, Inc.
    Inventors: Sarvesh Kaushal, Rohit Iyer, Bala Subrahmanya Vivek Kosanam, Alexander Clinton Lambert, David Bryant Moffett
  • Patent number: 11887066
    Abstract: Embodiments provide methods and systems for facilitating scheduled payment transactions to users via an application provided by the server system, the application available on the user device. The method performed by the server system includes receiving a transaction request message from the user device, the transaction request message includes scheduled transaction instruction provided by the user in natural language format. The method includes authenticating the user based on a plurality of user authentication factors received from the user at pre-defined time intervals. In an embodiment, the server system is configured to train a data model using ML algorithms by learning the plurality of user authentication factors based on which the user is automatically authenticated by the server system. Upon successful authentication, the method includes parsing the transaction request message to determine a scheduled transaction instruction.
    Type: Grant
    Filed: April 21, 2021
    Date of Patent: January 30, 2024
    Assignee: Mastercard International Incorporated
    Inventors: Peeyush Bansal, Avinash Kumar, Rishabh Mehra
  • Patent number: 11886962
    Abstract: A facility for estimating a value relating to an occurrence is described. The facility receives a first occurrence specifying a first value for each of a plurality of independent variables that include a distinguished independent variable designated to be monotonically linked to a dependent variable. The facility subjects the first independent variable values specified by the received occurrence to a statistical model to obtain a first value of the dependent variable. The facility receives a second occurrence specifying a second value for each of the plurality of independent variables (the second values varying from the first values in a first direction). The facility subjects the second independent variable values to the statistical model to obtain a second value of the dependent variable, the second value of the dependent variable being guaranteed not to vary from the first value of the dependent variable in a second direction opposite the first direction.
    Type: Grant
    Filed: August 26, 2020
    Date of Patent: January 30, 2024
    Assignee: MFTB Holdco, Inc.
    Inventors: Andrew Bruce, Chunyi Wang, Yeng Bun, Andrew Martin
  • Patent number: 11887201
    Abstract: Techniques described herein are directed to analyzing intellectual-property data according to provide various intellectual property related services to organizations. In particular implementations, information related to products and/or services may be obtained from a number of data sources. Additionally, information related to intellectual-property assets, such as patents, trademarks, copyrights, trade secrets, and know-how, may be obtained. In various situations, the intellectual-property assets may be mapped to respective products and/or services. The mappings between the products and/or services and intellectual-property assets may be used to provide intellectual property related services that correspond to the intellectual-property assets, such as valuation services, strategy-related services, or risk-related services.
    Type: Grant
    Filed: December 20, 2021
    Date of Patent: January 30, 2024
    Assignee: AON RISK SERVICES, INC. OF MARYLAND
    Inventors: Lewis C. Lee, Daniel Crouse, David Craig Andrews, Samuel Cameron Fleming
  • Patent number: 11887197
    Abstract: Systems, apparatuses, and methods for the recognition and allocation of revenue generated by a subscription based pricing model or plan that is applied to a product or service. Embodiments respond to customer needs for a flexible and powerful revenue allocation engine to permit correct revenue distribution within a subscription economy and effectively trace changes to a revenue schedule and the resulting revenue recognition. Embodiments can efficiently react to changes to a subscription agreement and calculate a new distribution for a revenue schedule and its impact on revenue recognition and future revenue projections. In one embodiment, the systems and methods includes a revenue recognition/allocation engine that operates to evaluate the impact of “charge events” on revenue generation, taking into account relevant business rules and revenue recognition principles.
    Type: Grant
    Filed: March 7, 2023
    Date of Patent: January 30, 2024
    Assignee: Zuora, Inc.
    Inventors: Lei Jin, John Banks, Kang Ao, Muyun Zhu
  • Patent number: 11887067
    Abstract: A method includes receiving a first ACH (automated clearing house) transaction at a local (domestic) sponsor bank. The first ACH transaction originates from a domestic originating bank. In response to the first ACH transaction, a second ACH transaction is executed from the local sponsor bank to a foreign sponsor bank. The second ACH transaction includes addressing messaging. The addressing messaging indicates a receiving bank in the same country as the foreign sponsor bank. The receiving bank is designated to receive a third ACH transaction from the foreign sponsor bank to benefit a recipient's account at the receiving bank. The addressing messaging contains an account number to identify the recipient's account.
    Type: Grant
    Filed: September 6, 2018
    Date of Patent: January 30, 2024
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Mostafa Hussein Sabet, Martin Hargreaves, Shanthan Subramaniam
  • Patent number: 11887125
    Abstract: Systems and methods discussed herein relate to a system for detecting and preventing fraudulent transactions through collecting requests for website access, stored-card trades and sales, and transactions using physical or electronically issued credit, debit, stored-value, and other cards. The fraud detection system not only flags individual transactions, but is also configured to dynamically track and update banned/watch lists associated with request artifacts and cards in order to catch and prevent individual actors as well as BOTs, at least by adjusting the thresholds used to evaluate risk scores and what is placed on the banned/watch lists based upon requests received as well as information from financial institutions, merchants, government agencies, and watchdog groups. The system is also configured to provide information to those groups.
    Type: Grant
    Filed: December 13, 2021
    Date of Patent: January 30, 2024
    Assignee: Blackhawk Network, Inc.
    Inventors: Henry Ivey, Rajiv Venkataramana Appana, Patrick Ramsey, Theodore Yeh
  • Patent number: 11875399
    Abstract: 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: Grant
    Filed: March 7, 2023
    Date of Patent: January 16, 2024
    Assignee: Capital One Services, LLC
    Inventors: Marcie Apelt, Megan Edds, Keith Barron, Ashley Gibbs, Matthew Vischulis, Carl Ashby, Baining Hu, Yi Liu, David Schardt
  • Patent number: 11875398
    Abstract: An automated teller machine comprises a communications module; an image module; a processor; and a memory coupled to the processor storing instructions that, when executed by the processor, configure the processor to receive a first cheque for deposit; engage the image module to capture an image of the first cheque; send, via the communications module and to a server computer system, a signal that includes the image of the first cheque for acceptance; send, via the communications module and to an automated teller machine switch, a signal that includes a request for transaction authorization approval based on the first cheque; receive, via the communications module and from the server computer system, a signal that includes an indication of acceptance of the image of the first cheque; receive, via the communications module and from the automated teller machine switch, a signal that includes an indication of approval of the request for the transaction authorization based on the first cheque; and responsive to r
    Type: Grant
    Filed: March 11, 2022
    Date of Patent: January 16, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: A. Warren Pratten, Anthony Wayne Miles, Graham Allan Anderson, Tristan Rodzen, David H. Schleicher, Robert John Farmer, Giovanni Favretto, Chico Chi-Kuo Lam
  • Patent number: 11874810
    Abstract: Some implementations of the present disclosure provide a method that include: accessing a plurality of tables that describe a relational data model for a hierarch of exploration data assets, wherein the relational data model defines the hierarchy of exploration data assets and attributes at each level of the hierarchy, and wherein multiple databases encode the hierarchy of exploration data assets; querying the hierarch of exploration data assets according to one or more data quality rules capable of identifying defects in the hierarchy of exploration data assets; identifying instances of data records that fail to meet the one or more data quality rules; based on the identified instances, calculating one or more data quality metrics for the hierarchy of exploration data assets; and generating an alert that includes: the identified instances of data records, or the calculated one or more data quality metrics.
    Type: Grant
    Filed: March 2, 2021
    Date of Patent: January 16, 2024
    Assignee: Saudi Arabian Oil Company
    Inventors: Mohammed Jebreel Hakami, Ning Li, Paul Lecaillon
  • Patent number: 11868990
    Abstract: Methods and systems are presented for facilitating sharing of tokens among different funding accounts linked to a digital wallet application to improve the computer resource efficiency of the mobile device. When a first funding account is linked to the digital wallet application is received, a token management system may determine whether a set of tokens have already been issued and stored on the mobile device for another related funding account. The token management system may cause a token service provider server to abort generating additional tokens for the first funding account. Instead, the token management system may modify characteristics of one or more of the set of tokens existed on the mobile device, to enable the one or more existing tokens to be usable in electronic payment transactions in association with the first funding account or the second funding account.
    Type: Grant
    Filed: August 26, 2020
    Date of Patent: January 9, 2024
    Assignee: PayPal, Inc.
    Inventor: Pankaj Sarin
  • Patent number: 11868920
    Abstract: A system and method processes a transaction between a merchant and a consumer. Data indicate of the security of a digital processing device being used by the consumer to carry out the transaction with the merchant is received. A determination as to whether the digital processing device is secure is made using the received data. In response to determining the digital processing device is insecure, the transaction is aborted. In response to determining the digital processing device is in secure, the transaction is processed by at least one of authenticating the consumer, authorizing the transaction using a payment processing supply chain, and capturing funds for the transaction using a payment processing supply chain.
    Type: Grant
    Filed: September 28, 2020
    Date of Patent: January 9, 2024
    Assignee: CardinalCommerce Corporation
    Inventor: Paul Turgeon
  • Patent number: 11870597
    Abstract: A method for determining a resource use of resources provided by one or more devices (50) in order to carry out a service, the method comprising at a miner (100): determining (S41) a latest block (35b) of a blockchain (35) related to the service and a total resource information present in the latest block, wherein the total resource information represents the total amount of resources used by the one or more devices (50) for providing the service since a defined starting point in time, determining (S42) that a new use case of resources of a first device of the one or more devices (50) has occurred which is not reflected by the total resource information and determining a new amount of the resources used by the first device during the new use case, determining (S43) a new total resource information in which the total resource information is combined with the new amount of the resources and which reflects a complete use of the resources of the one or more devices from the defined starting point until determi
    Type: Grant
    Filed: October 6, 2017
    Date of Patent: January 9, 2024
    Assignees: TELEFONAKTIEBOLAGET LM ERICSSON (PUBL), ERICSSON TELEKOMMUNIKATION GMBH & CO KG
    Inventors: Tom Dinkelaker, Armin Dittschar, Markus Pieras, Heike Scholz
  • Patent number: 11870823
    Abstract: A call sharing system for a construction work includes an administrator terminal configured to display a working drawing of a construction site on an administrator screen and to transmit a work request signal including a work area designated on the working drawing, a plurality of worker terminals configured to display the working drawing on each worker screen, each worker terminal being configured to receive the work request signal and to transmit a response signal in response to the work request signal, and a server configured to transmit and receive data between the administrator terminal and the worker terminals and to select the worker terminals for receiving the work request signal according to a work detail.
    Type: Grant
    Filed: April 7, 2022
    Date of Patent: January 9, 2024
    Assignee: HYUNDAI DOOSAN INFRACORE CO., LTD.
    Inventors: Heongsik Um, Junhyun Jang, Gijung Yun
  • Patent number: 11868973
    Abstract: Methods, systems, devices, and computer-readable media for detecting multi-party events and transactions are provided. User data may be monitored to detect data associated with an event involving multiple individuals, such as by identifying transaction data associated with certain types of merchants and/or scheduling, calendar, or correspondence data indicative of an event. The data may be further analyzed to identify a date, location, and/or parties associated with the event. A multi-party event may be generated. The user data may continue to be monitored to identify transactions associated with multiple parties and occurring during a time and/or at a location of the event. At a conclusion of the event, the transactions may be aggregated and an optimal payment scheme may be determined for settlement of the transactions between the parties. In accordance with the determined payment scheme, delegation of portions of the aggregated transactions may be initiated for settlement amongst the parties.
    Type: Grant
    Filed: August 19, 2021
    Date of Patent: January 9, 2024
    Assignee: Capital One Services, LLC
    Inventors: Vijay Sahebgouda Bantanur, Muralidharan Balasubramanian, Julie Dallen
  • Patent number: 11869015
    Abstract: Computing technologies for benchmarking, which may be based on a k-Nearest Neighbor (kNN) algorithm or another suitable machine learning algorithm, solve a cold start problem for a recommender engine employing a collaborative filtering algorithm when training data of user preferences or actual data of user actions is not available. For example, the cold start problem's unavailability of labeled data to train and develop a supervised model may be addressed by breaking the cold start problem down into two parts. The first part includes a KNN (or another suitable algorithm) model to cluster profiles based on a set of variables and this implementation of the KNN model is unsupervised, since there is no labeled data available to train the KNN model. The second part includes a prioritization algorithm that leverages certain outputs from the KNN model and neighbors to prioritize benchmarks.
    Type: Grant
    Filed: December 9, 2022
    Date of Patent: January 9, 2024
    Assignee: Northern Trust Corporation
    Inventors: Steven Fradkin, Lucino Sotelo, Deepak Konale, Matt Moynihan, Margaret Shugrue, Purva Sule, Melissa Beardsley, Svyat Vergun, Dhruv Baronia, Rasheed Hameed, Vijay Luthra, Scott Gibbs, Peter Ferris, Shaun Malott, Linda Flack, Larry Wang
  • Patent number: 11868978
    Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.
    Type: Grant
    Filed: May 7, 2021
    Date of Patent: January 9, 2024
    Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Fernando Alfaro, Jeremy Moore, Robert Haberstroh
  • Patent number: 11868974
    Abstract: In electronic financial transactions a receiver, or targeted recipient of funds, provides account information to a transmitter, or sender of funds. The transmitter initiates a push of funds from a transmitter funding source to the receiver's funding source processor. In some embodiments the receiver provides a payment card, similar to a credit card, which is read by an electronic device of the transmitter, such as a smart phone. In some embodiments, the receiver provides the account information by way of a bar code, such as a QR code, which is scanned and read by the transmitter's electronic device.
    Type: Grant
    Filed: August 24, 2020
    Date of Patent: January 9, 2024
    Assignee: PayPal, Inc.
    Inventor: Sandra Lynn Godsey
  • Patent number: 11869073
    Abstract: 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: Grant
    Filed: September 1, 2021
    Date of Patent: January 9, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Sang Woo Choi, Timothy Davison, Garrett Rielly Rapport
  • Patent number: 11868976
    Abstract: Systems and methods for secure purchasing are provided in which an invoice comprising an amount to be remitted and a merchant identification is generated. The invoice is transmitted to a remote invoice database. At a device associated with a consumer, the invoice identification is received. A request including the invoice identification is sent to the remote invoice database thereby retrieving information about the invoice including an amount to be remitted and a merchant identification. Responsive to receiving consumer confirmation of the invoice, an approval of the invoice is transmitted to an account database comprising at least one account corresponding to the consumer. At a device associated with the account database, after receiving invoice approval, the invoice amount is remitted to the merchant in the form of a bank check that identifies the merchant and a notification of the check and the merchant is stored in the remote account database.
    Type: Grant
    Filed: October 31, 2016
    Date of Patent: January 9, 2024
    Assignee: MONEY FLOW, LLC
    Inventors: Saadeh Hattar, Volodymyr Tanin
  • Patent number: 11868979
    Abstract: A platform and process for electronic payment processing using electronic communications from different communication channels or bands. The system and process can generate alerts using fraud detection and verify payment requests using historical data and pattern recognition. The system and process can categorize images and extract payment data.
    Type: Grant
    Filed: June 14, 2019
    Date of Patent: January 9, 2024
    Assignee: BANK OF MONTREAL
    Inventors: Brian Chan, Kashif Arshad, Peter Hing-Cheong Poon, Vikram Pal
  • Patent number: 11861616
    Abstract: Child/family support payments are made on a multilayered consortium ledger network using blockchain, IoT, and other technologies to expedite the process and disbursement of child/family support payments. The multilayered consortium ledger network may cater to local and/or global child support agencies and/or local and global Parties/Parents/family members who elect to send child/family support payments to their family(ies) outside the traditional child support agencies/district attorney offices. The plurality of technologies used support payments made/received using, but not limited to, domestic/foreign fiat, cryptocurrency, tokens, an/or native tokens.
    Type: Grant
    Filed: February 26, 2023
    Date of Patent: January 2, 2024
    Inventor: Eugenia Roxanne Miller
  • Patent number: 11861614
    Abstract: Child/family support payments are made on a multilayered consortium ledger network using blockchain, IoT, and other technologies to expedite the process and disbursement of child/family support payments. The multilayered consortium ledger network may cater to local and/or global child support agencies and/or local and global Parties/Parents/family members who elect to send child/family support payments to their family(ies) outside the traditional child support agencies/district attorney offices. The plurality of technologies used support payments made/received using, but not limited to, domestic/foreign fiat, cryptocurrency, tokens, an/or native tokens.
    Type: Grant
    Filed: February 26, 2023
    Date of Patent: January 2, 2024
    Inventor: Eugenia Roxanne Miller
  • Patent number: 11863609
    Abstract: A system is disclosed for storage, processing, and accessing of data. The system includes a front end system and a back end system communicatively connected to the front end system. A front end system is configured to provide one or more user interfaces configured to store, process, and access data in a first data server, in response to user input, by sending messages to the back end system. The back end system includes the first data server and one or more processing servers. The one or more processing servers are configured to process messages received from the front end system by accessing in the first data server to perform one or more operations specified by the messages. The back end system also includes a blockchain server configured to maintain a record of changes made to data in the first data server by the one or more processing servers.
    Type: Grant
    Filed: February 1, 2022
    Date of Patent: January 2, 2024
    Inventor: Tim Donald Johnson
  • Patent number: 11861603
    Abstract: Some systems and/or methods are configured to receive sensitive data from a vendor, determine a token key for the vendor, and utilize a proprietary algorithm, based on the token key to generate a vendor-specific token that is associated with the sensitive data. A token identifier may be created that comprises data related to the token key sending the vendor-specific token and the token identifier to the vendor.
    Type: Grant
    Filed: September 30, 2021
    Date of Patent: January 2, 2024
    Assignee: Worldpay, LLC
    Inventors: Bryan T. Bailey, John Romer, Chris Doyle, Jeremy Gifford, Kevin Zibart
  • Patent number: 11861568
    Abstract: There are provided systems and methods for data tracing identifiers for tracking data flow through a data model and computing services. An entity, such as company or business, may provide computing services. When providing these services, one or more computing services, processors, or the like of the service provider's computing architecture may be used. This may include processing data through a data processing flow that uses multiple computing services. To automate data tracing through a data processing flow and corresponding computing services, a data library may be used to create and inject data trace identifiers to a message header associated with the data to be processed. This may be propagated with the data to other and/or centralized computing services, which may then persist the identifier with the data in a data table column for a standardized data model. These mappings may be stored by the centralized computing services.
    Type: Grant
    Filed: December 28, 2021
    Date of Patent: January 2, 2024
    Assignee: Brex Inc.
    Inventors: Luca Marturana, Nikunj Yadav
  • Patent number: 11861615
    Abstract: Child/family support payments are made on a multilayered consortium ledger network using blockchain, IoT, and other technologies to expedite the process and disbursement of child/family support payments. The multilayered consortium ledger network may cater to local and/or global child support agencies and/or local and global Parties/Parents/family members who elect to send child/family support payments to their family(ies) outside the traditional child support agencies/district attorney offices. The plurality of technologies used support payments made/received using, but not limited to, domestic/foreign fiat, cryptocurrency, tokens, an/or native tokens.
    Type: Grant
    Filed: February 26, 2023
    Date of Patent: January 2, 2024
    Inventor: Eugenia Roxanne Miller
  • Patent number: 11861551
    Abstract: In an aspect an apparatus for transport token tracking is presented. An apparatus may include at least a processor and a memory communicatively connected to the at least a processor. A memory may include instructions configuring at least a processor to receive transport data of a transport. Processor may be configured to identify a transport token as a function of the transport data. Processor may also be configured to generate one or more summate values as a function of a comparison between the transport token and a token criteria. Processor may be configured to generate a data query requesting or searching for updated transport data of the transport. Processor may be configured to update the one or more stage subgroups as a function of the data query.
    Type: Grant
    Filed: October 28, 2022
    Date of Patent: January 2, 2024
    Assignee: Hammel Companies Inc.
    Inventor: Joseph Charles Dohrn
  • Patent number: 11853997
    Abstract: Mechanisms are provided to implement a recurring payment collection system for extending current quick response (QR) code payment methods to collect recurring payments from a customer. The recurring payment collection system sends a notification to the customer that a recurring payment is due in response to a recurring payment event occurring. The recurring payment collection system obtains a QR code for the recurring payment in response to the customer acknowledging the notification. The recurring payment collection system utilizes the QR code to request the recurring payment from a payment system. The recurring payment collection system acknowledges that the recurring payment has been made in responsive to the recurring payment being processed by the payment system.
    Type: Grant
    Filed: February 27, 2019
    Date of Patent: December 26, 2023
    Assignee: International Business Machines Corporation
    Inventors: Ching-Yun Chao, John H. Teoh, Frankie Kong, Xin Ni, Randy A. Rendahl
  • Patent number: 11853993
    Abstract: Methods and systems of generating payees from paper check deposits are disclosed. A financial institution computing system includes a data storage system, a network interface logic enabling the financial institution to exchange data over a network, a check processing logic, and a payment transaction logic. The check processing logic obtains payee information using a paper check deposit request submitted by a recipient. The payment transaction logic uses the payee information to create and store the potential payee in the data storage system.
    Type: Grant
    Filed: June 18, 2020
    Date of Patent: December 26, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Liesl Brown, Karl Willard, Jay Bozicevich
  • Patent number: 11854002
    Abstract: Systems and methods for efficiently managing administration and storage of physical cash by merchants and minimizing loss of physical change by customers resulting from point of sale purchases at merchants by returning change in the form of digital cash electronically deposited to an account. Customers associate financial accounts with the system, such as bank, brokerage and cryptocurrency accounts. Customers select whether to receive all or some of the change digitally. The system includes a physical-to-digital payment processing program configured to deposit electronic cash into customers' accounts, the merchant using the physical-to-digital payment processing program to make the electronic deposit of digital change of the amount of change owed to the customer. In embodiments, the physical-to-digital payment processing program interfaces between a payment processing system of the merchant and a mobile device of the customer.
    Type: Grant
    Filed: November 12, 2020
    Date of Patent: December 26, 2023
    Inventor: Misam Abidi
  • Patent number: 11853986
    Abstract: Systems and methods for secure purchasing are provided in which, at a merchant device, an invoice is generated comprising a remittance amount and a merchant identification. The invoice is associated with an invoice identification. The invoice is transmitted to a remote invoice database. At a consumer device, the invoice identification is received. A request that includes the invoice identification is transmitted to the invoice database. Information about the invoice is received from the invoice database including the remittance amount and merchant identification. The remittance amount, merchant identification, and a prompt to confirm the invoice are displayed. Responsive to receiving approval from the consumer, the invoice is transmitted to a remote account database comprising an account corresponding to the consumer. At a device associated with the remote account database, after receiving the approval of the invoice from the consumer device, the amount of the invoice is remitted to the merchant.
    Type: Grant
    Filed: September 30, 2022
    Date of Patent: December 26, 2023
    Assignee: MONEY FLOW, LLC
    Inventors: Saadeh Hattar, Volodymyr Tanin
  • Patent number: 11853994
    Abstract: A computer-implemented method for partitioning mobile device transactions may include generating a machine-readable indicia encoded with transaction data for a transaction between a merchant and at least one user; receiving a transaction request message including the transaction value and a split payment identifier; initiating a programmatic timer for a time interval in response to receiving the transaction request message from the first mobile device; receiving at least one additional transaction request message prior to expiration of the time interval; partitioning the transaction value between each of the first user account and the at least one other user account based at least partially on the transaction request message; and generating a separate authorization request message for each of the first user account and the at least one other user account, each authorization request message including a partial transaction value representing a portion of the transaction value.
    Type: Grant
    Filed: March 30, 2022
    Date of Patent: December 26, 2023
    Assignee: Visa International Service Association
    Inventors: Prasanth Yeddula, Ashwini Laxminarayana Tantry
  • Patent number: 11853414
    Abstract: Trampoline and return-oriented programming attacks employ a variety of techniques to maliciously execute instructions on a device in a manner different from a legitimate programmer's original intent. By instrumenting a device to detect deviations from predicted behavior, these exploits can be identified and mitigated.
    Type: Grant
    Filed: November 16, 2021
    Date of Patent: December 26, 2023
    Assignee: Sophos Limited
    Inventors: Erik Jan Loman, Lute Edwin Engels, Andrew J. Thomas, Kenneth D. Ray
  • Patent number: 11853978
    Abstract: Provided is a virtual currency remittance method that causes a second computer connected to a first computer including a state DB that manages account discrimination information and balance information related to virtual currency relevant to an account discriminated by the account discrimination information, and remittable account discrimination information, and a blockchain that manages transaction information including first account discrimination information, second account discrimination information, and a sum of virtual currency to be remitted from an account discriminated by the first account discrimination information to an account discriminated by the second account discrimination information.
    Type: Grant
    Filed: March 23, 2020
    Date of Patent: December 26, 2023
    Assignee: NOMURA RESEARCH INSTITUTE, LTD.
    Inventor: Takuya Hagimura
  • Patent number: 11854056
    Abstract: Technologies are shown for buyer initiated automatic seller account generation where a buyer client receives an identification of a purchase item, generates an item token corresponding to the purchase item, and provides the item token to a seller client. The seller client authenticates a seller user with an authentication service, such as a biometric authentication service, receives an authentication token corresponding to the seller user, and sends an account creation request with the item token and the authentication token to an account creation service. The account creation service receives the account creation request, sends a user information request to the authentication service with the authentication token and receives seller information for the seller user from the authentication service. The account creation service creates a seller user account using the seller information, commits a purchase transaction for the purchase item, and sends an item purchase confirmation to the buyer client.
    Type: Grant
    Filed: March 25, 2021
    Date of Patent: December 26, 2023
    Assignee: eBay Inc.
    Inventors: Dhaval D. Karwa, Vanuj Juneja, Bindia Saraf