Bill Distribution Or Payment Patents (Class 705/40)
  • Patent number: 11032220
    Abstract: Disclosed are various approaches performing actions on data items in a third-party service with a network-accessible application programming interface from an email client. The email client can perform an action as specified fey an email service profile, which specifies how to identify the email message, the data item and how to interact with the network-accessible application programming interface.
    Type: Grant
    Filed: November 4, 2016
    Date of Patent: June 8, 2021
    Assignee: AirWatch LLC
    Inventors: Ramani Panchapakesan, Gangadhar Nittala, Noah Wasmer
  • Patent number: 11025575
    Abstract: Systems, methods, and other embodiments associated with a message recognition system configurable to define new message formats and interpret electronic transaction messages are described. In one embodiment, a method includes analyzing an electronic transaction message received from a remote device to determine a message type of the electronic transaction message. A message type data structure is queried to determine whether the message type is defined in the message type data structure. A message type configuration interface comprising one or more input fields for defining the message type is generated. Parameters are received via the one or more input fields of the message type configuration interface, and a message type definition is generated based upon the one or more parameters. The message type data structure is reconfigured to include the message type definition.
    Type: Grant
    Filed: June 12, 2018
    Date of Patent: June 1, 2021
    Assignee: Oracle Financial Services Software Limited
    Inventors: Subrata Sarkar, Amit Kumar Sahoo, Arup Saha, Kushagra Jindal, Santanu Kumar Chakrabarty, Ruchi Tripathi, K. R. Srikant
  • Patent number: 11023888
    Abstract: Systems and methods disclosed herein for managing recurring payment transactions. The recurring payment transaction can be based on account information stored by the merchant. When an initial payment transaction is not successful, a resubmission schedule is determined. The resubmission schedule identifies particular time slots within which subsequent payment transactions are to be submitted. The time slots are selected to increase the likelihood of a successful payment transaction.
    Type: Grant
    Filed: June 9, 2015
    Date of Patent: June 1, 2021
    Assignee: Worldpay, LLC
    Inventors: Fengzhong Wang, Stefan Kostadinov Karaivanov, Snehal Desai
  • Patent number: 11023867
    Abstract: Provided herein is a method of facilitating a transaction between a payer and a payee using a push payment. The payee sends a request for a payment identification code to a payment agent with payment information. The payment agent generates a unique payment identification code and stores the code along with the associated payment information, and sends the payment identification code to the payee who provides the code to the payer. The payer sends the payment identification code to a financial institution that forwards the code to the payment agent, which uses the code to retrieve the previously stored payment information, and sends the information to the financial institution who forwards the information to the payer. The payer may review information and send a request to pay message including the code to the financial institution, which then arranges for a push payment from the payer to the payee.
    Type: Grant
    Filed: June 29, 2017
    Date of Patent: June 1, 2021
    Assignee: IPCO 2012 LIMITED
    Inventors: Robert Boothby, Sunil Peenikal
  • Patent number: 11016879
    Abstract: An information processing system, computer readable storage medium, and a method for managing computer memory. The method includes initializing at least one memory allocator within a computing system; deploying the at least one memory allocator on a multi-user or cloud system where users are charged a monetary fee based on consumption of at least one memory resource that is allocated by a memory allocator for at least one executing program; determining, by the at least one memory allocator, a consumption of the at least one memory resource; determining a cost associated with the consumption that has been determined; and determining a monetary fee to charge the user based on the cost that has been determined.
    Type: Grant
    Filed: October 4, 2019
    Date of Patent: May 25, 2021
    Assignee: International Business Machines Corporation
    Inventor: Arun Iyengar
  • Patent number: 11017367
    Abstract: A processing device allocates processing resources to a communication processing and an application processing and executes at least the communication processing and the application processing. The processing device includes: a communication interface and at least one processor that operates to execute a scheduling processing that allocates communication processing resources that are at least a part of the processing resources to the communication processing in a preferential manner and a billing processing that bills a user of the application processing according to a usage amount of processing resources used for the application processing. The application processing includes a non-priority application processing processable in a non-preferential manner. The scheduling processing is capable of allocating, when a load on the communication processing resources does not reach a predetermined threshold, the communication processing resources to the non-priority application processing.
    Type: Grant
    Filed: February 17, 2016
    Date of Patent: May 25, 2021
    Assignee: NEC CORPORATION
    Inventor: Toshiki Takeuchi
  • Patent number: 11010731
    Abstract: A computer implemented method performed by a global transaction processing system includes receiving a transaction request from an originator, the transaction request includes transactional data. The method includes validating the transactional data to determine one or more parameters associated with the requested transaction. The method includes dynamically generating a transaction information request form, the transaction request form including one or more requests for specific transactional data from the originator based on the one or more parameters associated with the requested transaction. The method includes transmitting the transaction information form to the originator and receiving the requested specific transactional data from the originator.
    Type: Grant
    Filed: February 17, 2017
    Date of Patent: May 18, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: James McGinlay, Robert Ortiz, Barbara Stockler, Joanne Strobel-Cort, Leonard J. Valentino
  • Patent number: 11010740
    Abstract: In some examples, a payment processing system may receive, from a plurality of merchant computing devices associated with a plurality of merchants, respectively, transaction data of transactions performed between the plurality of merchants and a plurality of customers. Based at least on the transaction data, the payment processing system may provide financing to an account of a first merchant, the financing including repayment terms for repayment of the financing. In addition, the payment processing system may determine that the first merchant is predicted to have a change in sales during an upcoming time period. Based on the predicted change in sales, the payment processing system may determine updated repayment terms for repayment of the financing from the first merchant, and may apply the updated repayment terms for repayment of the financing.
    Type: Grant
    Filed: April 6, 2020
    Date of Patent: May 18, 2021
    Assignee: SQUARE, INC.
    Inventors: John Bryan Scott, Brian Boates, Adam Jeremy Fern, Andrew Kimball
  • Patent number: 11004071
    Abstract: This disclosure relates to methods and systems for automatically securing and validating multi-server electronic communications over a plurality of networks, without requiring additional physical or programmatic infrastructure on the intermediary servers. A processor-executable component can be transmitted from a first server to a compute device, where it generates a pair of asymmetric cryptographic parameters. The first server uses one of those parameters to verify subsequent communications from the component and respond with tagged privacy communication strings, which the component can provide to a second server as part of a secure communication exchange. The first server can then receive secure communication exchange approval request from a third server, and analyzes the request to determine a validity metric.
    Type: Grant
    Filed: September 9, 2016
    Date of Patent: May 11, 2021
    Assignee: Pay With Privacy, Inc.
    Inventors: Jason Kruse, Boling Jiang, Andrew Roth
  • Patent number: 11004047
    Abstract: A system according to an embodiment comprises one or more processors; and one or more memories in communication with the one or more processors and adapted to store a plurality of machine-readable instructions which when executed by the one or more processors are adapted to cause the system to: offer, by a merchant at a Point of Sale (POS), at least one payment option in connection with a transaction for at least one item, wherein the payment option(s) is presented in a display tailored to a specific user based on information maintained by the merchant about the specific user; and process the transaction using a payment option selected by the user.
    Type: Grant
    Filed: March 13, 2018
    Date of Patent: May 11, 2021
    Assignee: eBay Inc.
    Inventor: Remi Guyot
  • Patent number: 10997569
    Abstract: A transfer request is received from a terminal, in which the transfer request carries a user identity (ID) of a first user, a user ID of a second user, and a virtual card ID of the first user; the virtual card is transferred from user account of first user to user account of second user, based on the user ID of the first user, the user ID of the second user and the virtual card ID; an image for transferring the virtual card is obtained; an image library of the virtual card is obtained; an image ID and the image are stored into the image library of the virtual card.
    Type: Grant
    Filed: April 18, 2017
    Date of Patent: May 4, 2021
    Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED
    Inventors: Dacheng Zhuo, Wenrui Zhang, Meng Xiang, Jiandong Lin, Zhouwei Zhu
  • Patent number: 10997359
    Abstract: A cognitive computer system and method for managing a mark-up language document by a cognitive conversational agent. The computer-implemented method comprises: receiving text input associated with a conversation initiated by a user via a remote device interface; generating a set of variables associated with a context of the user based on a conversation flow; identifying a data use intent of the user based on the set of variables and the context; determining based on the identified data use intent, a required visualization of data; in response to determining a required visualization of data, obtaining a relevant data or information to be visualized; generating a visualization object containing the relevant data and visualization information; modifying in real time, a mark-up language based document using the visualization object; and transmitting the markup language based document including the visualization object for display via the remote device interface.
    Type: Grant
    Filed: April 27, 2018
    Date of Patent: May 4, 2021
    Assignee: International Business Machines Corporation
    Inventors: Andres Felipe Rincon Opden Bosch, Rodrigo Ryu Nakamura Sano
  • Patent number: 10990976
    Abstract: Embodiments described herein disclose methods and systems for authenticating ownership of an account in real-time or near real-time so that a user can fund or open a new account without waiting for several days. The system enables an operator to select one or more methods for authentication from a group of candidate schemes. The candidate schemes include (1) a card-association-network scheme; (2) an account-aggregation scheme; and (3) a credit-bureau-integration scheme.
    Type: Grant
    Filed: December 20, 2017
    Date of Patent: April 27, 2021
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Jeffrey Walton Easley, Melanie Lynn Thompson, Brian Hurtak, Patrick Lugo
  • Patent number: 10983523
    Abstract: The present disclosure relates to an autonomous driving support apparatus and method capable of generating road information for autonomous driving, correcting an error, and updating the road information. The autonomous driving support apparatus of the present disclosure includes at least one autonomous vehicle and a server. The autonomous vehicle senses a traveling road to generate camera recognition information including road information, signpost information, traffic light information, construction section information, and future route information. The server analyzes at least one piece of camera recognition information received from a controller of the at least one autonomous vehicle to update predetermined road map information, and transmits the updated road map information to the at least one autonomous vehicle.
    Type: Grant
    Filed: October 11, 2018
    Date of Patent: April 20, 2021
    Assignee: MANDO CORPORATION
    Inventor: Sang Kyun Sim
  • Patent number: 10979314
    Abstract: Examples can include an optimizer that dynamically determines where to place virtual network functions for a slice in a distributed Telco cloud network. The optimizer can determine a slice path that complies with a service level agreement and balances network load. The virtual network functions of the slice can be provisioned at clouds identified by the optimal slice path. In one example, performance metrics are normalized, and tenant-selected weights can be applied. This can allow the optimizer to prioritize particular SLA attributes in choosing an optimal slice path.
    Type: Grant
    Filed: January 24, 2019
    Date of Patent: April 13, 2021
    Assignee: VMWARE, INC.
    Inventors: Jeremy Tidemann, Constantine Polychronopoulos, Marc Andre Bordeleau, Edward Choh, Ojas Gupta, Robert Kidd, Raja Kommula, Georgios Oikonomou
  • Patent number: 10979572
    Abstract: Various examples are directed to systems and methods for directed customer support. An analytics system may receive support communication data describing a support communication regarding a user account received from a user computing device and determine a subject of the support communication. The analytics system may select a response medium based at least in part on the subject and generate a response message based at least in part on the subject.
    Type: Grant
    Filed: December 4, 2019
    Date of Patent: April 13, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Benny F. Dorrance, Eduardo D. Dela Torre, Ross Leone, Wayne Barakat, Christopher P. Clausen, Charles Cowell, Jeffrey A. Cornman
  • Patent number: 10977725
    Abstract: Techniques are disclosed utilizing cognitive computing to improve banking experiences. A user's financial account(s) may be monitored to predict when a surplus of funds is unnecessarily present and for how long this will likely be the case. Once this is determined, techniques include automatically drafting funds from the account to another account having a higher interest rate where the funds may accrue more interest. The techniques also include predicting when an overdraft may occur and taking appropriate action when such a prediction is made. Predictions may be based upon different weighted inputs used in accordance with a predictive modeling system, which may attempt to predict for a particular user, location, and retailer, whether the user will spend an anticipated amount in excess of the user's current balance. If so, passive (e.g., notifications) and active (e.g., transferring cover funds) actions may be performed.
    Type: Grant
    Filed: April 27, 2017
    Date of Patent: April 13, 2021
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Elizabeth Flowers, Puneit Dua, Alan Zwilling, Adam Mattingly, Melissa Attig, Reena Batra
  • Patent number: 10977676
    Abstract: A method for pricing digital content available for purchase and download from a server to a network connected computing device includes providing a quantity of digital content items, which are ranked. A plurality of pricing tiers for the digital content items is created. A sale price of each of the digital content items is designated based on the rank. At least a portion of the digital content items is made available for purchase wherein the sale price for the content to be displayed on at least one user computing device. A download request is received from the user computing device to download at least one digital content item. The sale price of at least a portion of the quantity of the digital content items is adjusted according to the pricing tiers.
    Type: Grant
    Filed: June 29, 2017
    Date of Patent: April 13, 2021
    Assignee: SCRIBLIOTECH, INC.
    Inventor: Colin Laird Higbie
  • Patent number: 10970778
    Abstract: Exemplary embodiments include a website for a financial institution that has a number of new features for users including: an action tray; “bring it to me” type navigation; a tile view for account information; simplified and homogenous navigation; a unified inbox for messages; and a returning customer log-in page. Accordingly, the website has a number of innovative features to enhance the user experience and streamline navigation of the website. The website can be used to conduct financial transactions as well as interface with the financial institution.
    Type: Grant
    Filed: March 13, 2013
    Date of Patent: April 6, 2021
    Assignee: JPMorgan Chase Bank, N. A.
    Inventors: Richard Starbuck, Brian Okelley, Anthony David Guido
  • Patent number: 10956973
    Abstract: A system and method for supporting verifiable invoice and credit financing in a verifiable manner across a plurality of different platforms.
    Type: Grant
    Filed: August 11, 2017
    Date of Patent: March 23, 2021
    Assignee: LedgerFunding, Inc.
    Inventor: Ling Wei Chang
  • Patent number: 10958658
    Abstract: A differentiated identification system facilitates dynamically differentially morphed access for one or more requesters. The system receives an access request including at least one differentiable voucher from a requester and assesses the type of the received access request by considering the access request, the differentiable voucher and one or more semblances. The system then dynamically differentially morphs an access to one or more service or data based on the assessment of the access request type, enabling the system to provide the requester with dynamically differentially morphed access to the one or more service or data.
    Type: Grant
    Filed: June 5, 2018
    Date of Patent: March 23, 2021
    Inventor: Michael T. Jones
  • Patent number: 10956885
    Abstract: A computer server and method for payment processing are described herein. A server has a module for forming an encrypted connection with a payment terminal, and pairs a merchant sales terminal with the payment terminal. Communications between the payment terminal and merchant sales terminal are carried out through the server, which converts messages into the appropriate format for each terminal. After the transaction is carried out, the server returns receipt information to the sales terminal for receipt generation.
    Type: Grant
    Filed: May 12, 2017
    Date of Patent: March 23, 2021
    Assignee: MONERIS SOLUTIONS CORPORATION
    Inventors: Shem Ali, Spencer Lai, Caleb Reynolds, Massoud Fattahi, Christian Malek, Mark Poon
  • Patent number: 10949818
    Abstract: Methods, computer program products, and systems are presented. The method computer program products, and systems can include, for instance: registering a payment URL to a first user in response to receipt of registration data being received from a first user, wherein the payment URL is operative so that when the payment URL registered to the first user is activated by a second user, a web browsing session is commenced in which an electronic payment transaction is facilitated, the electronic payment transaction permitting electronic funds transfer from the second user to the first user; and examining location data of the second user in response to activation of the payment URL by the second user and determining one or more variable data values in dependence on the location data of the second user.
    Type: Grant
    Filed: July 31, 2018
    Date of Patent: March 16, 2021
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Lisa Seacat Deluca, Michael J. Hudson
  • Patent number: 10951737
    Abstract: Efficient, reusable, extensible light weight framework orchestrates discrete mainframe service calls as a single composite service call. The single composite call requires a single mainframe socket and the mainframe disaggregates the composite service call upon receipt to process the individual service calls therein, thereby allowing the mainframe to handle more services calls simultaneously. A similar framework orchestrates distributed service calls from a mainframe client.
    Type: Grant
    Filed: April 9, 2019
    Date of Patent: March 16, 2021
    Assignee: MORGAN STANLEY SERVICES GROUP INC.
    Inventors: Kumar Vadaparty, Vishal Agrawal, Alex Suprun, Arun Maroli, Vilas Mhatre
  • Patent number: 10936268
    Abstract: An information processing apparatus includes a processor. The processor is configured to: accept, from a mobile terminal device carried by a user, identification information that enables identification of the user, positional information of the mobile terminal device, and an image forming instruction; generate sound authentication information for authenticating the accepted image forming instruction and cause an image forming apparatus that is present within a predetermined range of the accepted positional information to output a sound representing the sound authentication information; and cause the image forming apparatus to perform an image forming operation if the sound authentication information and authentication information that is input by using the mobile terminal device satisfy a predetermined relationship.
    Type: Grant
    Filed: January 22, 2020
    Date of Patent: March 2, 2021
    Assignee: FUJI XEROX CO., LTD.
    Inventor: Masahiro Kouge
  • Patent number: 10929921
    Abstract: A method comprising receiving real time data associated with a transaction, accessing, from an online bank account after receiving the real time data, processed data associated with the transaction, matching the real time data with the processed data, and displaying an alert when the processed data and the real time data are inconsistent.
    Type: Grant
    Filed: October 30, 2014
    Date of Patent: February 23, 2021
    Assignee: Intuit Inc.
    Inventor: Joseph Wenhow Mao
  • Patent number: 10929922
    Abstract: Identification information for a first account holder at a financial institution is received. The first account holder is authenticated based on the identification information. A second account holder at the financial institution is identified as being known to the first account holder. Inputs are received from the first account holder to configure a message to be displayed to the second account holder. The message is displayed to the second account holder from the first account holder.
    Type: Grant
    Filed: November 1, 2019
    Date of Patent: February 23, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Jonathan Velline, Darren Goetz, Xuan Nguyen, Nahal Agahi
  • Patent number: 10922665
    Abstract: The disclosed embodiments include computer-implemented systems, apparatuses, and processes that, among other things, automatically generate and populate digital interfaces based on adaptively processed image data captured by a network-connected device operating within a computing environment. For example, an apparatus may receive, from a device, a first signal that includes image data identifying a document associated with a data exchange capable of initiation by the device. The apparatus may detect, within a first portion of the image data, a presence of first textual content associated with a first parameter of the data exchange, extract a first value characterizing the first parameter from the first textual content, and generate and transmit a second signal that includes the first value to the device. The second signal includes information that instructs the device to display the first value within a portion of an interface corresponding to the first parameter.
    Type: Grant
    Filed: June 27, 2018
    Date of Patent: February 16, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Robert Kyle Miller, Sonja Torbica, Helene Nicole Esposito, Harrison Michael James Reilly, Matta Wakim, Kyryll Odobetskiy, Dexter Lamont Fichuk, Adam Douglas McPhee, Omas Abdullah, Patrick Jian Hong Hum
  • Patent number: 10924471
    Abstract: A method for enabling access by a first network subscriber to a second network subscriber in a network includes receiving a communication request from the first network subscriber and determining whether the second network subscriber has carried out an authentication of the first network subscriber during a first phase. The second network subscriber allows communication with the first network subscriber when the second network subscriber has carried out authentication of the first network subscriber during the first phase. The second network subscriber receives an access request from the first network subscriber and determines a level of trustworthiness of the first network subscriber. The second network subscriber enables access of the first network subscriber based on the determination of the level of trustworthiness of the first network subscriber.
    Type: Grant
    Filed: August 7, 2018
    Date of Patent: February 16, 2021
    Assignee: Robert Bosch GmbH
    Inventors: Cyntia Vargas Martinez, Julien Rausch, Michael Langfinger
  • Patent number: 10915904
    Abstract: Systems and methods are provided for facilitating payment account transactions in virtual settings. One exemplary method includes prompting, by a computing device, a selection of a product for purchase from a user in a virtual reality setting where the virtual reality setting is provided by the computing device. The method further includes transmitting an authentication request to a directory server for a purchase transaction for the product. In response, the computing device receives an authentication response for the purchase transaction from the directory server. When the authentication response includes an authentication value, the computing device compiles and transmits an authorization request for the purchase transaction for the selected product, where the authorization request includes the authentication value.
    Type: Grant
    Filed: December 21, 2017
    Date of Patent: February 9, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Ryan Conway
  • Patent number: 10915977
    Abstract: Financial communications can be managed to account for customer incapacity. A determination can be made that a primary responder is unable to receive or respond to a financial communication due to incapacity. The determination can be made based on a change in account activity or a lack of responsiveness. Based on a type of the financial communication, a secondary responder can be identified, and the financial communication of the primary responder is sent to the secondary responder.
    Type: Grant
    Filed: May 29, 2020
    Date of Patent: February 9, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Joe Hattaway, Kourtney Eidam, Michael Thomas Duke
  • Patent number: 10909618
    Abstract: Techniques are described for migrating information (e.g., funds) from a first account to a second account. Account information for the first account may be analyzed to identify periodic, regular, and/or semi-regular transactions of a first type (e.g., charge(s)) made from the first account. The account information may also be analyzed to identify periodic, regular, and/or semi-regular transactions of a second type (e.g., payment(s)) made into the first account. The transactions(s) of the first type may be migrated to be paid out of the second account, and the transactions(s) of the second type may be migrated to be paid into the second account. After migration of transaction(s) is completed, the remaining funds may be transferred from the first account into the second account. In some instances during the migration process, funds may be transferred from the first account to the second account to cover charges made against the second account.
    Type: Grant
    Filed: May 4, 2016
    Date of Patent: February 2, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Maland Keith Mortensen, Kennith Patterson, Kevin K. Fiedler, Michael Joseph Gaeta, Salvador Rodriguez
  • Patent number: 10911300
    Abstract: Examples pertaining to optimization for device provisioning protocol (DPP) onboarding in wireless networks are described. An apparatus acting as a controller of a wireless network receives, from a smart device, information related to a unconfigured device as an enrollee not yet onboarded into the wireless network. The apparatus then causes a plurality of configured agents in the wireless network to participate simultaneously in attempting to onboard the unconfigured device via a DPP mechanism responsive to receiving the information related to the unconfigured device.
    Type: Grant
    Filed: August 27, 2019
    Date of Patent: February 2, 2021
    Assignee: MediaTek Singapore Pte. Ltd.
    Inventors: Hasan Ali Stationwala, Amit Kumar Shakya
  • Patent number: 10902391
    Abstract: This invention relates to an automated transaction system, a method of operating the same, and to a method and system for vending a token for a prepaid service. The system essentially comprises a database storing rules to be applied by the system to financial transactions and a processor to direct operation of the system. In particular, the processor is operable to receive, in a real-time or near real-time, deposit data indicative of a deposit of a financial value made into a bank account held at a bank for a financial transaction for the purchase of goods and/or services. The processor is further configured to process the financial transaction requested and apply one or more stored rules to the processing of the determined requested transaction. The financial transaction may be for the purchase of tokens for a pre-paid service such as the provision of a commodity, e.g., electricity.
    Type: Grant
    Filed: June 24, 2013
    Date of Patent: January 26, 2021
    Assignee: CONTOUR TECHNOLOGY (PTY) LTD.
    Inventor: Somasundrum Kandasamy Moodley
  • Patent number: 10902451
    Abstract: Methods, devices and media for a pre-enrollment registration system are described.
    Type: Grant
    Filed: April 14, 2015
    Date of Patent: January 26, 2021
    Assignee: EDATANETWORKS INC.
    Inventors: Terrance Patrick Tietzen, Matthew Arnold Macpherson Bates
  • Patent number: 10896467
    Abstract: Systems and methods for blending a plurality of swaps may include determining a fixed rate for use in blending a plurality of swaps, each of the plurality of swaps having matching economics and a different associated fixed rate. A computing device may determine a first remnant swap for blending fixed rate components of the plurality of swaps using the fixed rate. In some cases, the computing device may determine second remnant swap for blending floating rate components of the plurality of swaps based on the first remnant swap.
    Type: Grant
    Filed: April 7, 2020
    Date of Patent: January 19, 2021
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Dhiraj Bawadhankar, Fateen Sharaby, Steve Dayon, Jack Callahan
  • Patent number: 10885516
    Abstract: Disclosed is secure decryption and business rule validation of encrypted confidential data within a hardware security module (HSM). The validation may include the use of a Bloom filter stored and executing within the HSM. The return order of encrypted data within the HSM as well as requests for external data relating to validation may be randomized to further harden against correlation attacks.
    Type: Grant
    Filed: June 8, 2015
    Date of Patent: January 5, 2021
    Assignee: Amazon Technologies, Inc.
    Inventors: Jason Jenks, Brandon B. Low, Hanson Char, Peter S. Vosshall, Waylon Brunette
  • Patent number: 10887769
    Abstract: Systems and methods for managing concurrent secure elements on a mobile device to coordinate with an application or “app” running on the mobile device and an appropriate communications protocol for conducting transactions using the mobile device include: informing, by the processor, the reader device of a preferred app and a communication protocol usable by the preferred app; receiving, by the processor, information about which apps and communication protocols are supported by a reader for processing a transaction; locating, by the processor, a secure element supporting an app and a communication protocol supported by the reader; channeling the communication protocol for the specific configuration of the app and the supporting secure element; activating the secure element that supports the app; and processing, with the activated secure element, using the supported app and communication channel, the transaction with the reader.
    Type: Grant
    Filed: March 26, 2019
    Date of Patent: January 5, 2021
    Assignee: PAYPAL, INC.
    Inventors: Sebastien Taveau, John Hastings Granbery
  • Patent number: 10885102
    Abstract: A user may capture an image of a document using a mobile device. The mobile device may crop and clean the image. The mobile device may perform optical character recognition on the image and output a character string. The mobile device may match portions of the character string with stored records and determine a likelihood that the stored record corresponds to the image. The mobile device may display potential matches for the image, and the user may select the record which matches the image.
    Type: Grant
    Filed: March 5, 2020
    Date of Patent: January 5, 2021
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Deepak Arora, Donald R. Bloyer, Peter Gosling, Daniel Gruici, Anish Jacob, Kyle Knez, Christine Elizabeth Martin, Allison Mary Romano, Kedar P. Vaidya
  • Patent number: 10885507
    Abstract: A system and method of operating a computing system including: detecting, based on a log file of an automated teller machine (ATM), an error event; identifying a customer associated with the error event based on the log file; accessing, from a customer identification database, a customer profile associated with the customer; authenticating the customer on a mobile application, based on the customer profile; and initiating a mobile transaction session based on authenticating the customer, wherein the customer can complete a transaction with the ATM via the mobile application during the mobile transaction session.
    Type: Grant
    Filed: December 6, 2019
    Date of Patent: January 5, 2021
    Assignee: Capital One Services, LLC
    Inventors: Jeremy J. Phillips, Christopher Schott
  • Patent number: 10878408
    Abstract: A mobile wallet computing system associated with a mobile wallet database includes a mobile wallet circuit structured to present a mobile wallet interface to a mobile wallet user. The mobile wallet interface includes a first portion that includes a graphical depiction of a user payment vehicle associated with a financial institution, the first portion including a first interaction point that enables the user to initiate a sequence to engage in a mobile wallet transaction using the mobile wallet. The interface also includes a second portion that includes a second interaction point and a third interaction point, the second interaction point enabling the user to access a functionality enabling the user to indicate a transaction preference for a transaction with an entity other than the mobile wallet provider or financial institution, the third interaction point enabling the user to indicate a preference to initiate communications with the financial institution.
    Type: Grant
    Filed: May 24, 2017
    Date of Patent: December 29, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ashish B. Kurani, Braden More, Daniel Peltz, Steven E. Puffer
  • Patent number: 10867322
    Abstract: A system is disclosed for presenting advertisements for products and related products for a consumer based on the products being purchased.
    Type: Grant
    Filed: April 16, 2019
    Date of Patent: December 15, 2020
    Inventor: Gianluca De Novi
  • Patent number: 10861002
    Abstract: A system, apparatus and method are described embedding an IoT device within a credit card of a user. For example, one embodiment of an Internet of Things (IoT) credit card system comprises: a plurality of IoT hubs located within stores; an IoT device embedded within a credit card, the IoT device comprising a battery and a secure communication module to communicate with the IoT hubs; an IoT service to receive location data related to the IoT hubs to which the IoT device has connected, the location data usable to determine the stores and/or locations within stores visited by the user; and a database within the IoT service to store an indication of the stores visited by the user and/or the locations within stores visited by the user.
    Type: Grant
    Filed: May 27, 2016
    Date of Patent: December 8, 2020
    Assignee: Afero, Inc.
    Inventor: Joe Britt
  • Patent number: 10853779
    Abstract: Provided herein is a computer-implemented method for settling an outstanding invoice issued by a payee, including the steps of capturing a digital image of an invoice issued by a payee to a payor, processing the digital image to identify invoice data and a network location associated with the payee, automatically establishing communication with the network location identified in the digital image, and automatically inputting payment information into one or more fields of the webpage at the network location.
    Type: Grant
    Filed: May 8, 2019
    Date of Patent: December 1, 2020
    Assignee: Visa International Service Association
    Inventors: Sheng Wang, Hangqi Zhao, Shizhe Ma, Chiranjeet Chetia, Shubham Agrawal
  • Patent number: 10853771
    Abstract: A system and method is disclosed that facilitates electronic payment to multiple payees from a single electronic payment transaction and/or from a multiple payee check payment.
    Type: Grant
    Filed: November 23, 2016
    Date of Patent: December 1, 2020
    Assignee: Mroute Corp.
    Inventor: Hugh Enobakhare
  • Patent number: 10855766
    Abstract: A method performed by a networking switch in an object storage system. The method includes receiving a first packet from a network comprising an object ID and a data object. The method includes generating a replica for the data object. The method includes generating an object ID for the replica of the data object. The method includes determining a destination storage node for the replica of the data object. The method includes sending a second packet from the networking switch to the destination storage node. The second packet includes the object ID for the replica of the data object and the replica of the data object.
    Type: Grant
    Filed: September 28, 2017
    Date of Patent: December 1, 2020
    Assignee: Intel Corporation
    Inventors: Yi Zou, Arun Raghunath, Anjaneya Reddy Chagam Reddy
  • Patent number: 10846768
    Abstract: A system may transmit a first indication to initiate a transfer of a first set of payment profiles from a first computer of a first payment service provider to a second computer of a second payment service provider. The system may cause the second computer to execute, in response to the first indication, a profile migration to generate a new set of payment profiles corresponding to the first set of payment profiles. The system may receive, from the second computer, an error indication corresponding to the profile migration. The system may select, in response to the error indication, an action from a set of available actions to perform with respect to the profile migration. The system may cause the second computer to execute the action to transition the profile migration from a first state to a second state.
    Type: Grant
    Filed: June 29, 2016
    Date of Patent: November 24, 2020
    Assignee: PAYPAL, INC.
    Inventors: Alex Miyamoto, Chandra Sivakolundu, Jot Powers, Shirish Kandekar
  • Patent number: 10846791
    Abstract: Systems and methods for management of an account switch are disclosed. An account switch management system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive a list of transaction entries to be switched from a first account to a second account and account information associated with the first account and the second account. The one or more processors may also determine a recommendation relating to a customer action based on the transaction entries and the account information. The one or more processors may provide the list of transaction entries and account information and the recommendation to the client device. The one or more processors may also receive a request from the client device to complete an action and transmit a notification to a processing device to complete the action.
    Type: Grant
    Filed: July 1, 2019
    Date of Patent: November 24, 2020
    Assignee: Capital One Services, LLC
    Inventors: Gagan Kanjlia, Vishal Puri, Michael B. Kiernan, Evan S. Klein
  • Patent number: 10846734
    Abstract: The systems, methods, and computer program products (collectively “systems”) described herein are generally configured to monitor actions in digital channels. More specifically, the systems described herein are capable of initiating a transaction with a transaction account based on an action in any suitable digital channel. The systems are capable of syncing transaction accounts with various digital channels. Moreover, the systems are capable of initiating or completing transaction based on user information. The systems may also be capable of providing rewards based on activities or accomplishments in the digital channels. Moreover, the systems may be capable of verifying activities based on transaction information.
    Type: Grant
    Filed: May 7, 2013
    Date of Patent: November 24, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Kathleen King, Matthew Miller, Sathish Muthukrishnan, Philip Norman, Anthony Prentice, Stephanie Schultz, Elizabeth Vakil, David Wolf
  • Patent number: 10846698
    Abstract: A quick pay option is provided so that a user can make a payment from a merchant site by simply entering in a user identifier in a pop-up window. Limits are set for the quick pay option and may vary between different merchants. The payment provider is able to determine the merchant, user, and transaction information automatically, such that the user may only be required to enter the identifier to process and complete the payment.
    Type: Grant
    Filed: February 13, 2017
    Date of Patent: November 24, 2020
    Assignee: PayPal, Inc.
    Inventor: Srinivas Gangapurkar