Bill Distribution Or Payment Patents (Class 705/40)
  • Patent number: 10262306
    Abstract: A system and method are disclosed for continuous intraday final settlement of payment orders among a plurality of participants, each participant having facilities configured to electronically send and receive the payment orders in the form of payment messages. Primary positions, corresponding to balances in a prefunded balance account, are stored. Supplemental positions, corresponding to balances in the prefunded balance account, are stored. Payment messages are received from sending participants.
    Type: Grant
    Filed: March 24, 2014
    Date of Patent: April 16, 2019
    Assignee: THE CLEARING HOUSE PAYMENTS COMPANY, L.L.C.
    Inventors: Joseph S. Pawelczyk, James W. Reilingh, Robert M. Cotton
  • Patent number: 10250649
    Abstract: A networked communications system that facilitates real-time interaction with persons-of-interest. The communications system includes an event scheduling workflow that, during a registration phase, allows users to register for a given event associated with a social influencer or other person-of-interest and, during the event, allows for a series of sequenced real-time direct and private interactions and engagements between or among the social influencer or other person-of-interest and respective users. This series of sequenced real-time, direct, and private interactions and engagements occurs automatically without requiring the participants to exchange contact or personally identifiable information (such as email addresses, phone numbers, chat identifiers, etc.) in order to initiate the real-time communications sessions.
    Type: Grant
    Filed: June 21, 2018
    Date of Patent: April 2, 2019
    Assignee: Chatalyze, Inc.
    Inventors: Lloyd Winawer, Jordan Isaiah Winawer, Gunjot Singh Chawla
  • Patent number: 10242366
    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: December 16, 2015
    Date of Patent: March 26, 2019
    Assignee: PAYPAL, INC.
    Inventors: Sebastien Taveau, John Hastings Granbery
  • Patent number: 10210515
    Abstract: Systems and methods are provided for verifying recurring transactions to payment accounts. One exemplary method includes initially receiving an authorization request for a transaction to a payment account and involving a merchant, where the authorization request includes a recurring payment indicator. The method also generally includes transmitting, by at least one computing device, a verification request to a consumer associated with the payment account, and inhibiting, by the at least one computing device, at least one or authorization or clearing of the transaction until a verification of the transaction, based on a direction from the consumer, is recognized, whereby the consumer is able to verify the transaction before the transaction is cleared.
    Type: Grant
    Filed: November 23, 2015
    Date of Patent: February 19, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Brian Vienravee
  • Patent number: 10210516
    Abstract: Techniques for managing modules or applications installed in a mobile device are described. To provide authentic and secured transactions with another device, each of the installed applications is provisioned with a server through data communication capability in a mobile device. A provisioned application is associated with the personalized secure element in the mobile device and works with a set of keys that are generated in accordance with a set of keys from the personalized secure element. Further management of controlling an installed application is also described.
    Type: Grant
    Filed: January 19, 2016
    Date of Patent: February 19, 2019
    Assignee: RFCyber Corp.
    Inventors: Liang Seng Koh, Hsin Pan, Xiangzhen Xie
  • Patent number: 10205721
    Abstract: The present invention comprises a system and method for providing a personal identification number (PIN) to a client terminal over a computer network. In accordance with one aspect of the present invention, a host connection manager receives a request for a PIN, which is associated with a particular monetary value. The host connection manager transmits the request for the PIN to a server, and the host connection manager receives the PIN from the server. In addition, the host connection manager is adapted to receive a client request indicative of the particular monetary value. The client request is generated at the client terminal and is transmitted from the client terminal to the host connection manager. In response to the client request, the host connection manager sends the PIN associated with the particular monetary value to the client terminal.
    Type: Grant
    Filed: April 9, 2004
    Date of Patent: February 12, 2019
    Assignee: EWI HOLDINGS, INC.
    Inventors: Miles Paschini, Marshall Rose
  • Patent number: 10205745
    Abstract: A method which facilitates the secure addressing and authentication for the establishment of connections as well as the secure storage of data and the avoidance of the issue of data to third parties. Furthermore it enables secure payment via data links. Thus it relates in particular a method for addressing, authentication and data storage for “Private Cloud” networks and secure payment via data links.
    Type: Grant
    Filed: June 3, 2014
    Date of Patent: February 12, 2019
    Inventor: Ralf Sommer
  • Patent number: 10200909
    Abstract: An advanced mobile terminal converges multiple wireless transmission technologies through utilizing a cost-effective and spectrum-efficient mobile cloud solution by introducing Virtual Mobile Server (VMS), Virtual Register and Call Switch (VR/CS) and OWA Community systems and methods based on the innovative open wireless architecture (OWA) technology platform, and the mobile terminal is able to seamlessly roam in the local community without relying on traditional cellular mobile networks for the integrated smart home, smart office and smart community platform of the smart community mobility solutions among home, neighbors and local communities.
    Type: Grant
    Filed: August 31, 2016
    Date of Patent: February 5, 2019
    Inventors: Michael Lu, Wei Lu
  • Patent number: 10192218
    Abstract: Methods and devices for online payments are disclosed. Prior to accepting payment account information from a user for the payment transaction, a client terminal sends an interface listing command to a transaction server, requesting the transaction server to identify one or more acceptable input interfaces for receiving the payment account information. The transaction server responds to the interface listing command by a payment input instruction. The client terminal uses the payment input instructions to generate a payment information interface to present the one or more acceptable input interfaces for user selection. The user can choose how to input the payment information that best conforms to the user's expectations for security and convenience. The current method, device and system provide additional flexibility, improve efficiency, and facilitate online payment.
    Type: Grant
    Filed: December 12, 2014
    Date of Patent: January 29, 2019
    Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED
    Inventor: Yang Chen
  • Patent number: 10192212
    Abstract: A method of collecting transaction records on a pre-paid mobile communication device. The method comprising sending a request by an application to receive a plurality of transaction records; receiving the plurality of transaction records by the application, wherein each transaction record comprises a transaction record identifier. The method further comprising, for each transaction record, looking up a transaction record identifier in the non-transitory memory of the mobile communication device comprising a plurality of existing transaction records comprising transaction record identifiers from previously collected transaction records, if the transaction record identifier of the transaction record identifier does not match an existing transaction record identifier, and copying the transaction record and transaction record identifier to the memory of the mobile communication device.
    Type: Grant
    Filed: October 18, 2017
    Date of Patent: January 29, 2019
    Assignee: Sprint Communications Company L.P.
    Inventors: Kenneth W. Samson, Stephen T. Pawlewicz
  • Patent number: 10187249
    Abstract: In one aspect, a system for distributed consistent hash backed time rollup of performance metric data is disclosed. The system includes a plurality of collectors configured to receive, time series metrics data for a plurality of performance metrics from one or more agents instrumented into monitored applications; a plurality of aggregators communicatively connected to the collectors and configured to aggregate the received time series metric data for the plurality of performance metrics, wherein each aggregator is assigned to aggregate all received time series metrics data for one or more of the plurality of performance metrics; and a coordinator communicatively connected to the plurality of collectors and plurality of aggregators and configured to provide collectors with information on availability of the plurality of aggregators.
    Type: Grant
    Filed: April 29, 2016
    Date of Patent: January 22, 2019
    Assignee: Cisco Technology, Inc.
    Inventor: Gautam Borah
  • Patent number: 10187216
    Abstract: A vehicle wireless connection system, the system comprising: at least one portable computing device (PCD), wherein the PCD includes: at least one camera, wherein the camera is configured to capture an image of a vehicle indicator on a vehicle to capture a vehicle indicator image; at least one memory including a certification data file having one or more authorization certificates; at least one PCD processor configured to receive the vehicle indicator image and execute a sign-on application, wherein the sign-on application is further configured to: compare the vehicle indicator image with one or more stored images; when the vehicle indicator image is the same as one of the one or more stored images, direct the PCD to connect to the vehicle; and when the authorization certificates are determined valid, connect the PCD to the vehicle at a wireless access point to provide access to some or all vehicle information.
    Type: Grant
    Filed: April 14, 2016
    Date of Patent: January 22, 2019
    Assignee: Honeywell International Inc.
    Inventor: James Christopher Kirk
  • Patent number: 10185897
    Abstract: In the event that a moving body (e.g. a person, a car, etc.) is outfitted with a video camera or with a camera-equipped device (e.g. a tablet or a mobile phone), the system described in one aspect is able to understand the motion of the moving by analyzing the video frame sequence captured by the camera. This means that the system can categorize the motion of the body-carrying camera to one of several types (e.g., is this a person walking? is this a person running? etc.), understand the nature of the moving body holding the camera-equipped device (e.g. Is this a car?, Is this a person? etc.) and even to identify the moving body (which car?, which person? etc.).
    Type: Grant
    Filed: November 29, 2016
    Date of Patent: January 22, 2019
    Assignee: IRIDA LABS S.A.
    Inventors: Ilias Theodorakopoulos, Nikos Fragoulis
  • Patent number: 10169812
    Abstract: Various embodiments are directed to computer-implemented systems and methods for providing financial information to a user. A computing device may receive from a financial server system data indicative of a balance of a first financial account of the user; a balance of a second financial account of the user; and a balance of scheduled payments to be deducted from the first financial account. The computing device may provide a graphical interface to the user. The graphical user interface may comprise a balance indicator having a first segment having a first area proportional to the balance of the first financial account; a second segment having a second area proportional to the balance of the second financial account, wherein a sum of the first area and the second area is substantially constant independent of the balances of the first and second financial accounts; and a scheduled payments indicator.
    Type: Grant
    Filed: January 20, 2012
    Date of Patent: January 1, 2019
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Christopher Michael Bajgier, Michael Scott Ley, Bryan Lee Mackrell
  • Patent number: 10169969
    Abstract: Systems, methods and apparatus for in-store preview of jewelry items that comprise detecting that a RFID tag that is coupled to a jewelry item is within a threshold vicinity of a RFID reader. The information about the jewelry item is transmitting to an electronic device that is located proximately to the jewelry counter. Beacon technology is employed to communicate with a customer's mobile device. Pass application technology is employed to transmit records to and from a customer and local retailer.
    Type: Grant
    Filed: June 1, 2015
    Date of Patent: January 1, 2019
    Assignee: ELECTRONIC COMMODITIES EXCHANGE, L.P.
    Inventors: Simon Tam, Brian Watkins, Timothy Lawrence Swetonic, Jeffrey Allan Johnston
  • Patent number: 10171655
    Abstract: A system for assembling a business process or a portion thereof includes a rules base containing executable rules and defined business process elements, a workflow orchestration engine, and at least one interface available to a process beneficiary. Information known about and or provided by a process beneficiary interacting with the at least one interface is used to execute one or more of the rules causing assembly of a new business process or a portion thereof according to workflow orchestration rules the new or modified process directing servicing of the process beneficiary accordingly.
    Type: Grant
    Filed: July 10, 2015
    Date of Patent: January 1, 2019
    Inventors: Nikolay A. Anisimov, Vladimir Mezhibovsky, Brian Galvin
  • Patent number: 10151804
    Abstract: Disclosed embodiments relate to a power monitoring system. In some embodiments, the power monitoring system includes: a sampling device configured to measure patterns of how loads included in the power system consume energy; an electric meter configured to measure a first amount of energy supplied from a transmission system to the power system; a power supply configured to supply power stored therein or generate power to supply it to the power system, and measure a second amount of energy supplied to the power system; an external server configured to receive measurements of the patterns from the sampling device, and obtain a third amount of energy consumed by the loads based on the measurements; and a home server configured to receive the first amount of energy and/or second amount of energy and transmit/receive data to/from the external server.
    Type: Grant
    Filed: August 10, 2016
    Date of Patent: December 11, 2018
    Assignee: LSIS CO., LTD.
    Inventors: Hun Park, Young-Gyu Yu, Hae-Tae Roh
  • Patent number: 10152680
    Abstract: An appointment and payment handling system may operate to handle payments for appointments. In advance of an appointment, the appointment and payment handling system may send a reminder to customer devices of the customers associated with the appointment, and then receive a response that includes a requested change to the appointment. The requested change may comprise a net increase in the number of customers associated with the appointment and an updated cost-splitting arrangement for dividing appointment costs between the customers. The appointment and payment handling system may seek and receive approval of the change from the merchant. Upon determining that the appointment is completed, the appointment and payment handling system may process payment based at least in part on the updated cost-splitting arrangement.
    Type: Grant
    Filed: September 26, 2014
    Date of Patent: December 11, 2018
    Assignee: Square, Inc.
    Inventors: Lauren Myrick, Evan Ginsburg, Willem Ave
  • Patent number: 10152580
    Abstract: The embodiments of the present invention provide an interaction method and a display device. The interaction method comprises: determining, by a display device, first information at least according to a contact manner between the display device and a user; obtaining third information at least according to the first information and second information to be provided for the user; and displaying the third information. The embodiments of the present invention provide an interaction solution.
    Type: Grant
    Filed: July 1, 2016
    Date of Patent: December 11, 2018
    Assignee: Beijing Zhigu Rui Tuo Tech Co., Ltd.
    Inventor: Jia Liu
  • Patent number: 10136277
    Abstract: A method and device for charging roaming for CS fallback MTRF call is provided. At least one charging data record is obtained through receiving charging data records from at least one roaming charging device, wherein the user equipment roams to a VPLMN corresponding to the at least one roaming charging device. Based on the at least one charging data record and in combination with the local charging data record in the home charging device, consolidation processing is performed so as to obtain a consolidated target charging data record. A method of computing charging data records so as to perform final charging in a home charging device in the home network is introduced, instead of performing final charging in a roaming charging device in a visited network, which avoids repetitive charging on the charging data records in the mobile switching center of the visited network.
    Type: Grant
    Filed: August 7, 2013
    Date of Patent: November 20, 2018
    Assignee: ALCATEL LUCENT
    Inventors: Xiangyang Li, Yigang Cai
  • Patent number: 10134022
    Abstract: A device may receive receipt information associated with items in an order. The receipt information may include item identifiers and price descriptors associated with the items in the order. The device may receive product information associated with the items in the order. The product information may include product identifiers based on images of the items in the order and object descriptors. The device may map a first item identifier for a first item in the order and a first product identifier for determining that the first item corresponds to a first price descriptor and a first object descriptor. The device may map a second item identifier for a second item in the order and a second product identifier for determining that the second item corresponds to a second price descriptor and a second object descriptor. The device may assign the first and second items to respective first and second sub-receipts.
    Type: Grant
    Filed: June 7, 2018
    Date of Patent: November 20, 2018
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Abdelkadar M'Hamed Benkreira, Michael Mossoba, Carrie Norman
  • Patent number: 10135775
    Abstract: A device may receive transaction information that identifies a set of third parties. The device may process messages in an electronic messaging account using a set of processing techniques after receiving the transaction information. The device may identify, in the electronic messaging account, a first set of messages associated with the set of third parties. The device may determine a manner in which to configure a user interface of an application associated with a user device to display the first set of messages based on the transaction information. The device may provide a set of instructions to the user device to configure the user interface of the application to display the first set of messages.
    Type: Grant
    Filed: March 15, 2018
    Date of Patent: November 20, 2018
    Assignee: Capital One Services, LLC
    Inventors: Dan Givol, Benjamin Lindquist, Victor Mayaki, Zviad Aznaurashvili
  • Patent number: 10127571
    Abstract: A wireless device is enabled to process a transaction. In one implementation, the wireless device receives card data for a plurality of financial account cards and stores the card data in memory associated with the wireless device. The wireless device determines merchant information for the transaction and determines rewards benefit information for at least some of the plurality of financial account cards. The wireless device provides a suggestion of at least one of the plurality of financial account cards to use in the transaction based on the determined rewards benefit information.
    Type: Grant
    Filed: January 12, 2018
    Date of Patent: November 13, 2018
    Assignee: Capital One Services, LLC
    Inventor: Daniel Loomis
  • Patent number: 10127549
    Abstract: A system for processing e-commerce transactions. The system includes one or more processors programmed to receive a selection of one or more alternative payment brands from a merchant. Each of said alternative payment brands including a different merchant application process. Further, the processors are programmed to receive merchant information from the merchant necessary to apply to the selected alternative payment brands and apply to each of the selected alternative payment brands using the merchant information in accordance with the merchant application process for the selected alternative payment brand.
    Type: Grant
    Filed: July 11, 2014
    Date of Patent: November 13, 2018
    Assignee: CARDINALCOMMERCE CORPORATION
    Inventors: Michael A. Keresman, III, Chandra S. Balasubramanian, Michael Roche, Scott Rauhe
  • Patent number: 10127508
    Abstract: A salesperson may be paid commissions for products sold from the inventory of a merchant. In some examples, the commissions for different products may be determined and changed dynamically, throughout the course of a business day, in response to changing sales rates and inventory conditions. Specifically, commissions may be changed to increase the sales rates of certain products over others. As an example, it may be desired to increase the sales rates of products having relatively high inventory counts and/or that are nearing the expiration of their shelf lives. The changing commission amounts are published or advertised to the salespersons throughout the day so that the salespersons can see which products will produce the highest commissions. The commissions may be paid electronically, immediately or soon after the transactions in which the commissions were earned.
    Type: Grant
    Filed: January 13, 2015
    Date of Patent: November 13, 2018
    Assignee: Square, Inc.
    Inventors: Caroline Hollis, Amir Nathoo, James Colin Brady, Connor H. Dunn
  • Patent number: 10107672
    Abstract: Methods and systems are provided for estimating fuel levels in a fuel tank. In one example, a method may comprise adjusting estimates of a fuel level in a fuel tank based on an amount of fuel added to the fuel tank during a refueling event. The amount of fuel added to the fuel tank may be provided by a vehicle operator via one or more of a dashboard user interface, a wireless device user interface, and a digital camera included within a user device.
    Type: Grant
    Filed: July 12, 2016
    Date of Patent: October 23, 2018
    Assignee: Ford Global Technologies, LLC
    Inventors: Mohammad R. Aghili, Aed M. Dudar, Dennis Seung-Man Yang
  • Patent number: 10111062
    Abstract: Systems, methods, and apparatuses may allow a host device to facilitate communication from a guest device to a network, wherein the service usage charges that would ordinarily be charged against the host device account may be transferred to the guest device account. A method may include a host device connecting to a network. The host device may be associated with a first account. The host device may receive a connection from a guest device. The guest device may be associated with a second account. The host device may facilitate communication from the guest device to the network, wherein the facilitated communication from the guest device to the network may be a charge against the first account. The host device may provide instruction to the network to transfer the charge against the first account to the second account.
    Type: Grant
    Filed: February 13, 2015
    Date of Patent: October 23, 2018
    Assignee: AT&T Mobility II LLC
    Inventors: Emily Soelberg, Glenn Blumstein, Ginger Chien, Murali Narayanan, Bradley Richard Ree, Venson Shaw
  • Patent number: 10108951
    Abstract: A method is disclosed for a customer splitting the cost of a purchase with other persons. An electronic receipt may be viewed on a mobile electronic device with electronic receipts software thereon. Using a device configured according to one or more embodiments of the invention, a customer is able to select the receipt for splitting as well as selecting other persons to share the cost of items on the receipt. The customer may allocate item cost among those other persons. Information may be sent to a server or computer system to provide notifications to the other persons. The server may then process the request and transmit receipt information/notifications to the person requested by the customer.
    Type: Grant
    Filed: November 30, 2012
    Date of Patent: October 23, 2018
    Assignee: WALMART APOLLO, LLC
    Inventors: Stuart Argue, Anthony Emile Marcar
  • Patent number: 10102582
    Abstract: Embodiments of the invention are directed to systems, methods and computer program products for use in streamlining customer finance and customer money management platforms. An exemplary apparatus may be configured to provide a financial management application, whereby the financial management application interfaces with an online banking platform to access a customer's financial information for use in streamlining the customer's finances and money management strategies; receive social network financial information, the social network financial information comprising financial information associated with other customers; compare the customer's financial information to the social network financial information; present a comparison of the customer's financial information to the social network financial information.
    Type: Grant
    Filed: March 13, 2015
    Date of Patent: October 16, 2018
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Joseph Neil Johansen, Anthony David Guido
  • Patent number: 10102508
    Abstract: A computer-implemented method includes issuing a transaction on the Automated Clearing House (ACH) electronic network, the transaction including instructions for printing a check, receiving the transaction, and printing the check according to the instructions.
    Type: Grant
    Filed: February 14, 2014
    Date of Patent: October 16, 2018
    Assignee: Yodlee, Inc.
    Inventors: Gary Williams, Peter Hazlehurst, Jayasree Iyer, Julieta Abad
  • Patent number: 10091089
    Abstract: Present disclosure provides techniques for dynamically determining how to store and expire non-TCP traffic in a network environment. In some examples, aspects of the present disclosure may implement a state machine operated by the server for managing non-TCP traffic. Critically, in accordance with aspects of the present disclosure, non-TCP traffic may be combined with the use of multiple memory partitions and an expiry algorithm that supports dynamic scaling of non-TCP traffic while achieving faster connection speed, higher system performance, and lower time complexity.
    Type: Grant
    Filed: August 17, 2016
    Date of Patent: October 2, 2018
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Hossam Fattah, Praveen Balasubramanian
  • Patent number: 10068208
    Abstract: Embodiments of the present invention include transfer account systems, computer program products, and associated computer-implemented methods of providing prioritized payments from the proceeds of automatic or direct deposits. Embodiments of the present invention include routing automatic deposit information to a financial institution computer managing a prioritized payment program and formulating an outgoing ACH file with both an entry for an automatic deposit destined for a customer account and an entry for a pre-authorized prioritized payment to a select creditor, so that the automatic deposit is credited to the customer account and relatively instantaneously any prioritized payment is debited from the customer account. According to embodiments of the present invention, the customer account can be a prepaid card account so that a customer has effective access on the prepaid card only to a net value of funds.
    Type: Grant
    Filed: March 1, 2013
    Date of Patent: September 4, 2018
    Assignee: METABANK
    Inventors: Trent Sorbe, Troy Larson
  • Patent number: 10068288
    Abstract: Systems and processes are disclosed for providing customized user interfaces for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may generate a dynamic and customized interface for effecting the personal payment transaction by, for example, providing one or more options for the payer to fund the payment. The disclosed embodiments may provide an interface that includes one or more suggested recipients for identifying the payee associated with the payment transaction. The disclosed embodiments may also provide an interface that includes one or more routing options to route the payment. The disclosed embodiments may also provide an interface that provides one or more communication channel options for parties associated with the personal payment transaction to communicate.
    Type: Grant
    Filed: December 17, 2013
    Date of Patent: September 4, 2018
    Assignee: Capital One Financial Corporation
    Inventors: Gagan Kanjlia, Scott Zimmer, Robert J. Larson, Alexander S. Wilson, Vishal Puri, Jay Pober
  • Patent number: 10062125
    Abstract: A method and system are provided for presenting rates for travel services using dynamic pricing bands. The dynamic pricing bands represent approximate rates for travel services relative to available rates during or close to the proposed dates of travel, or at or near the proposed travel destination. Each dynamic pricing band is keyed to a particular color, intensity, pattern, sound, or other graphical and/or audio characteristic, thereby providing the consumer a sense of the seasonal, regional, day of week, or other variability of rates for travel services without having to compare actual numbers. The dynamic pricing bands are applied to an interactive presentation of rates for travel services to allow the consumer to explore possible rate variations for particular travel services in a manner that provides a birds-eye view, is intuitive and user-friendly.
    Type: Grant
    Filed: June 6, 2014
    Date of Patent: August 28, 2018
    Assignee: EXPEDIA, INC.
    Inventors: Sendi Widjaja, Kristin Dahl Acker
  • Patent number: 10043209
    Abstract: A method of initiating a consumer transaction using a human interaction device to read voice or human based gesture actions is disclosed. Video data is transmitted from a processing device to a display device. The video is monitoring for event data corresponding to a plurality of consumer products or services, and monitored event data is received in the processing device. A consumer is notified on the display device of an eligible consumer transaction. Voice or human based gesture actions are read with a human interaction device and are analyzed. If the voice or human based gesture actions conform to a predetermined set of requirements, then a consumer transaction for the plurality of consumer products or services is initiated.
    Type: Grant
    Filed: July 23, 2012
    Date of Patent: August 7, 2018
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Alan Cooke, Garry Lyons, Oran Cummins, Stephen Elder, Lukas Ekselius
  • Patent number: 10037572
    Abstract: A system and method are provided for distributed risk management. According to one example embodiment, a central risk controller is provided that can communicate with a plurality of local risk management modules located at a plurality of gateways. The central risk controller may allocate a portion of a central account balance associated with a trading account to each local risk management module. Then, as the trades are made using the trading account, the local risk management modules may manage risk associated with the trades until the local account balance is insufficient. As the account balance gets low, the local risk management module may query the central risk controller for the additional risk account balance.
    Type: Grant
    Filed: July 31, 2014
    Date of Patent: July 31, 2018
    Assignee: Trading Technologies International, Inc.
    Inventor: Robert J. Slezak
  • Patent number: 10032143
    Abstract: A method and a system for payment support are provided. The payment support method may include creating an account used for a payment service via a wallet server apparatus, connecting to the wallet server apparatus using the account, registering personal identification information including hardware information of a terminal device in the account, and associating at least one payment option with the personal identification information stored in the wallet server apparatus.
    Type: Grant
    Filed: August 5, 2015
    Date of Patent: July 24, 2018
    Assignee: Samsung Electronics Co., Ltd.
    Inventors: Kyungdong Kim, Shinwoo Lee
  • Patent number: 10026094
    Abstract: The present disclosure generally relates to the use of loyalty accounts, private label payment accounts, and general payment accounts using an electronic device with an electronic wallet. Various accounts are linked to the electronic device. In some examples, the electronic device is NFC-enabled. The electronic device may be used to provide loyalty account information and payment account information to a payment terminal, such as an NFC-enabled payment terminal.
    Type: Grant
    Filed: September 30, 2015
    Date of Patent: July 17, 2018
    Assignee: APPLE INC.
    Inventors: Marcel Van Os, Donald W. Pitschel, Gregg Suzuki, Lawrence Y. Yang, Peter D. Anton, Glen W. Steele, George R. Dicker
  • Patent number: 10019763
    Abstract: A system stores financial accounting data in a Base ledger, together with overlying extension ledger(s). An engine receives both generic financial data, and financial data utilized for specific purposes. Utilizing a mapping table the engine stores in an underlying Base ledger, the generic financial data (e.g., a fixed asset acquisition). The engine stores in overlying extension ledgers, specific financial data (e.g., a linear asset depreciation and/or an declining balance method of asset depreciation) derived from that generic data. This reduces memory footprint by persisting the generic data in one location only. The stored data may be read utilizing dataviews combining data from Base and extension ledgers. A recursive algorithm may evaluate chain(s) of ledgers. Embodiments may be particularly suited to store in the Base ledger generic financial data common to multiple accounting principles (e.g.
    Type: Grant
    Filed: June 17, 2015
    Date of Patent: July 10, 2018
    Assignee: SAP SE
    Inventors: Georg Dopf, Michael Conrad, Stefan Gauger, Joachim Kenntner, Joachim Liebler, Ruediger Raubeck, Andreas Reccius, Thomas Schachner, Thomas Schneider, Radim Sykora
  • Patent number: 10021430
    Abstract: A system for the distribution of media is disclosed. The system comprises a network center; a delivery system for receiving data from and transmitting data to the network center; and a plurality of multimedia teller machines (MTMs) for receiving data from the delivery system, and for providing a plurality of gigablocks, wherein the gigablocks provide for secure and/or high bandwidth data.
    Type: Grant
    Filed: June 1, 2016
    Date of Patent: July 10, 2018
    Assignee: Percept Technologies Inc
    Inventor: Scott W Lewis
  • Patent number: 10019698
    Abstract: A payment processing system for processing mobile point-of-sale transactions and extending cash advances to merchants is disclosed. The payment processing system receives repayment of the cash advance from the merchant by withholding a portion of funds from financial transactions processed for the merchant, the portion of funds determined according to repayment terms for the cash advance. The payment processing system receives signals from other products provided to the merchant by the payment processing service provider to determine payment deferral eligibility for the merchant where the payment processing system refrains from taking repayment from the financial transactions processed for the merchant by the payment processing system. The payment deferral eligibility may be determined in response to a merchant request for a payment deferral or automatically by the payment processing system.
    Type: Grant
    Filed: February 13, 2015
    Date of Patent: July 10, 2018
    Assignee: Square, Inc.
    Inventors: John Bryan Scott, Brian Boates, Adam Jeremy Fern, Andrew Kimball
  • Patent number: 10009228
    Abstract: One or more processors validate consistency between a policy-based service and operational data of a managed IT environment. One or more processors collect information for a component of a baseline, wherein the component of the baseline is at least one of an IT device and an application within the managed IT environment. One or more processors determine the policy-based service to be applied to the component of the baseline. One or more processors collect information to access operational data associated with a provider of the policy-based service. One or more processors generate a policy based on the information for the component of the baseline and the policy-based service to be applied to the component of the baseline, and one or more processors perform a validation of consistency based on a comparison between the policy and the operational data associated with the provider of the policy-based service.
    Type: Grant
    Filed: June 28, 2013
    Date of Patent: June 26, 2018
    Assignee: International Business Machines Corporation
    Inventors: Guilherme S. Elias, Marcos V. Paraiso, Marcos D. Sylos, Sergio Varga
  • Patent number: 9996830
    Abstract: A system, method, and computer-readable storage medium configured to split a payment card transaction into separate channels with a merchant bill message and cardholder payment message.
    Type: Grant
    Filed: April 15, 2014
    Date of Patent: June 12, 2018
    Assignee: Mastercard International Incorporated
    Inventors: Jason Jay Lacoss-Arnold, Joan L. Rohlfing
  • Patent number: 9990110
    Abstract: A system for worldwide cloud-based testing of mobile applications includes a plurality of mobile computing devices geographically distributed across a plurality of different countries. One or more servers are connected with the mobile computing devices over one or more networks. The one or more servers run a program for playback of a test composition which includes a timed sequence of clips on the mobile computing devices. The timed sequence of clips include one or more messages each of which instructs a precise gesture-based action applied to at least one object displayed on the touch-sensitive display screen. The precise gesture-based action corresponds to a functional aspect of the mobile application and consists of a plurality of data elements previously captured from inside the mobile application while the mobile application was subject to the gesture-based user input entered via the touch-sensitive display screen.
    Type: Grant
    Filed: March 30, 2012
    Date of Patent: June 5, 2018
    Assignee: Akamai Technologies, Inc.
    Inventors: Thomas M. Lounibos, Kenneth C. Gardner, Tal Broda, Giri B. Senji
  • Patent number: 9990613
    Abstract: Introduced here is a technology that enables a bill payer, who is an account holder at a financial institution (e.g., a bank), to send a bill payment to a bill payee by submitting, via a financial application of the financial institution, the bill payee's identifier and a bill payment amount, where funds for the bill payment amount are transferred directly to the bill payee substantially instantaneously upon the bill payer's request. The technology involves communication between a computer system of a financial institution (“financial institution system”), a mobile financial application installed on a bill payer's mobile device, and a third-party, remote computer system of a payment service (“PSS”). Upon receiving the identifier and amount from the financial institution system, the PSS identifies payment card information of the bill payer and the bill payee, and executes, or triggers execution of, the transfer of funds for the bill payment.
    Type: Grant
    Filed: December 12, 2014
    Date of Patent: June 5, 2018
    Assignee: Square, Inc.
    Inventors: Anish Bhatt, Charles Kimble
  • Patent number: 9990612
    Abstract: Machine, methods, and program product for facilitating electronic inventory tracking and management of products through messaging over a payment network, are provided. An example includes an inventory management computer in communication with a merchant POS apparatus or terminal over an existing financial services payment network and configured to receive and process purchase transaction data associated with a product being purchased, for use by a product provider. The computer can include electronic inventory management program product configured to perform various operations including receiving a purchase transaction message sent through the payment network, storing purchase transaction data, and notifying a product provider of the purchase transaction data.
    Type: Grant
    Filed: November 4, 2013
    Date of Patent: June 5, 2018
    Assignee: METABANK
    Inventors: Jason Brooks, Mike Wells
  • Patent number: 9992337
    Abstract: An apparatus includes a communications module that establishes a telephonic connection between a customer service representative of a company and a customer through an electronic device. An identification module receives an identifier that alerts the customer service representative and/or a computer system of the company that the customer has a customer profile that includes information to identify the customer. The identifier is received in conjunction with the telephonic connection. The customer profile is stored previous to the telephonic connection. An ID request module sends a request to the customer to provide identifying information via the electronic device of the customer. The identifying information is input to the electronic device by the customer using an electronic, non-verbal technique. An ID confirmation module receives an identification confirmation in response to the identifying information input by the customer matching the information to identify the customer in the customer profile.
    Type: Grant
    Filed: February 25, 2015
    Date of Patent: June 5, 2018
    Assignee: Teleperformance SE
    Inventors: Alan Truitt, Dev Mudaliar
  • Patent number: 9992658
    Abstract: Systems and methods that enable scalable, cost-effective payment reconciliation between owners of devices at least temporarily connected in or to a particular low-power, ad hoc mesh network.
    Type: Grant
    Filed: December 16, 2016
    Date of Patent: June 5, 2018
    Assignee: CUBIC CORPORATION
    Inventor: Paul Berenberg
  • Patent number: 9984375
    Abstract: An apparatus includes a communications module that establishes a telephonic connection between a customer service representative of a company and a customer. An identification send module sends an identifier that alerts the customer service representative that the customer has a customer profile that includes information to identify the customer. An ID request receiver module receives a request to provide identifying information via the electronic device and displays the request to the customer. An ID input module receives the identifying information from the customer and masks the identifying information from the customer service representative. An ID comparison module compares the identifying information input by the customer with the information in the customer profile.
    Type: Grant
    Filed: February 25, 2015
    Date of Patent: May 29, 2018
    Assignee: TELEPERFORMANCE SE
    Inventors: Alan Truitt, Dev Mudaliar
  • Patent number: 9978098
    Abstract: A method for correcting a payroll error in a payroll of an employee includes calculating a value range of a payroll component based on the payroll of the employee for a pre-determined number of prior payroll periods, comparing a current value of the payroll component for a current payroll period and the value range to generate a difference, identifying an irregularity parameter associated with the payroll component in response to the difference exceeding a pre-determined threshold, wherein the irregularity parameter relates to a pre-determined mechanism capable of causing the payroll error, analyzing the difference using a pre-determined rule based on the irregularity parameter to determine whether the payroll error exists, and in response to determining that the payroll error exists, and correcting the payroll error prior to releasing the payroll for the current payroll period.
    Type: Grant
    Filed: August 30, 2010
    Date of Patent: May 22, 2018
    Assignee: Intuit Inc.
    Inventors: Lesley Kim Grossblatt, Yogesh K. Bhumralkar, Sandra M. Edwards, Eric E. Shenk