Bill Distribution Or Payment Patents (Class 705/40)
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Patent number: 11887125Abstract: 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: GrantFiled: December 13, 2021Date of Patent: January 30, 2024Assignee: Blackhawk Network, Inc.Inventors: Henry Ivey, Rajiv Venkataramana Appana, Patrick Ramsey, Theodore Yeh
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Patent number: 11875399Abstract: Systems and methods for providing a separate interest rate for an individual transaction are disclosed. A system may provide a service associated with a account having an account balance and an associated first interest rate. The system may include a service device having one or more memory devices storing instructions and one or more processors configured to execute the instructions to perform a separate interest rate service process. The process may include providing a separate interest rate service offer to a client device and receiving a separate interest rate selection from the client device. The process may also include determining a selected portion of the account balance corresponding to an amount to which a second interest rate, different from the first interest rate, is to be applied based on the separate interest rate selection.Type: GrantFiled: March 7, 2023Date of Patent: January 16, 2024Assignee: Capital One Services, LLCInventors: Marcie Apelt, Megan Edds, Keith Barron, Ashley Gibbs, Matthew Vischulis, Carl Ashby, Baining Hu, Yi Liu, David Schardt
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Patent number: 11875398Abstract: 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 rType: GrantFiled: March 11, 2022Date of Patent: January 16, 2024Assignee: The Toronto-Dominion BankInventors: A. Warren Pratten, Anthony Wayne Miles, Graham Allan Anderson, Tristan Rodzen, David H. Schleicher, Robert John Farmer, Giovanni Favretto, Chico Chi-Kuo Lam
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Patent number: 11874810Abstract: 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: GrantFiled: March 2, 2021Date of Patent: January 16, 2024Assignee: Saudi Arabian Oil CompanyInventors: Mohammed Jebreel Hakami, Ning Li, Paul Lecaillon
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Patent number: 11868990Abstract: 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: GrantFiled: August 26, 2020Date of Patent: January 9, 2024Assignee: PayPal, Inc.Inventor: Pankaj Sarin
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Patent number: 11870597Abstract: 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 determiType: GrantFiled: October 6, 2017Date of Patent: January 9, 2024Assignees: TELEFONAKTIEBOLAGET LM ERICSSON (PUBL), ERICSSON TELEKOMMUNIKATION GMBH & CO KGInventors: Tom Dinkelaker, Armin Dittschar, Markus Pieras, Heike Scholz
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Patent number: 11868973Abstract: 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: GrantFiled: August 19, 2021Date of Patent: January 9, 2024Assignee: Capital One Services, LLCInventors: Vijay Sahebgouda Bantanur, Muralidharan Balasubramanian, Julie Dallen
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Patent number: 11868978Abstract: 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: GrantFiled: May 7, 2021Date of Patent: January 9, 2024Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Fernando Alfaro, Jeremy Moore, Robert Haberstroh
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Patent number: 11868920Abstract: 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: GrantFiled: September 28, 2020Date of Patent: January 9, 2024Assignee: CardinalCommerce CorporationInventor: Paul Turgeon
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Patent number: 11870823Abstract: 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: GrantFiled: April 7, 2022Date of Patent: January 9, 2024Assignee: HYUNDAI DOOSAN INFRACORE CO., LTD.Inventors: Heongsik Um, Junhyun Jang, Gijung Yun
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Patent number: 11869015Abstract: 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: GrantFiled: December 9, 2022Date of Patent: January 9, 2024Assignee: Northern Trust CorporationInventors: 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
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Patent number: 11868974Abstract: 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: GrantFiled: August 24, 2020Date of Patent: January 9, 2024Assignee: PayPal, Inc.Inventor: Sandra Lynn Godsey
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Patent number: 11869073Abstract: The technology described includes an adaptive probability matrix that creates a notification schedule. The schedule can be used to send reminders to users to press a physical, connected device/button, that when pressed or clicked, causes money to be transferred according to a set of rules (i.e., a “one-click” transfer of funds).Type: GrantFiled: September 1, 2021Date of Patent: January 9, 2024Assignee: United Services Automobile Association (USAA)Inventors: Sang Woo Choi, Timothy Davison, Garrett Rielly Rapport
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Patent number: 11868976Abstract: 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: GrantFiled: October 31, 2016Date of Patent: January 9, 2024Assignee: MONEY FLOW, LLCInventors: Saadeh Hattar, Volodymyr Tanin
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Patent number: 11868979Abstract: 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: GrantFiled: June 14, 2019Date of Patent: January 9, 2024Assignee: BANK OF MONTREALInventors: Brian Chan, Kashif Arshad, Peter Hing-Cheong Poon, Vikram Pal
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Patent number: 11861616Abstract: 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: GrantFiled: February 26, 2023Date of Patent: January 2, 2024Inventor: Eugenia Roxanne Miller
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Patent number: 11861614Abstract: 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: GrantFiled: February 26, 2023Date of Patent: January 2, 2024Inventor: Eugenia Roxanne Miller
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Patent number: 11863609Abstract: 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: GrantFiled: February 1, 2022Date of Patent: January 2, 2024Inventor: Tim Donald Johnson
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Patent number: 11861603Abstract: 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: GrantFiled: September 30, 2021Date of Patent: January 2, 2024Assignee: Worldpay, LLCInventors: Bryan T. Bailey, John Romer, Chris Doyle, Jeremy Gifford, Kevin Zibart
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Patent number: 11861568Abstract: 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: GrantFiled: December 28, 2021Date of Patent: January 2, 2024Assignee: Brex Inc.Inventors: Luca Marturana, Nikunj Yadav
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Patent number: 11861615Abstract: 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: GrantFiled: February 26, 2023Date of Patent: January 2, 2024Inventor: Eugenia Roxanne Miller
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Patent number: 11861551Abstract: 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: GrantFiled: October 28, 2022Date of Patent: January 2, 2024Assignee: Hammel Companies Inc.Inventor: Joseph Charles Dohrn
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Patent number: 11853997Abstract: 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: GrantFiled: February 27, 2019Date of Patent: December 26, 2023Assignee: International Business Machines CorporationInventors: Ching-Yun Chao, John H. Teoh, Frankie Kong, Xin Ni, Randy A. Rendahl
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Patent number: 11853993Abstract: 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: GrantFiled: June 18, 2020Date of Patent: December 26, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Liesl Brown, Karl Willard, Jay Bozicevich
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Patent number: 11854002Abstract: 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: GrantFiled: November 12, 2020Date of Patent: December 26, 2023Inventor: Misam Abidi
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Patent number: 11853994Abstract: 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: GrantFiled: March 30, 2022Date of Patent: December 26, 2023Assignee: Visa International Service AssociationInventors: Prasanth Yeddula, Ashwini Laxminarayana Tantry
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Patent number: 11853978Abstract: 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: GrantFiled: March 23, 2020Date of Patent: December 26, 2023Assignee: NOMURA RESEARCH INSTITUTE, LTD.Inventor: Takuya Hagimura
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Patent number: 11853986Abstract: 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: GrantFiled: September 30, 2022Date of Patent: December 26, 2023Assignee: MONEY FLOW, LLCInventors: Saadeh Hattar, Volodymyr Tanin
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Patent number: 11853414Abstract: 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: GrantFiled: November 16, 2021Date of Patent: December 26, 2023Assignee: Sophos LimitedInventors: Erik Jan Loman, Lute Edwin Engels, Andrew J. Thomas, Kenneth D. Ray
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Patent number: 11854056Abstract: 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: GrantFiled: March 25, 2021Date of Patent: December 26, 2023Assignee: eBay Inc.Inventors: Dhaval D. Karwa, Vanuj Juneja, Bindia Saraf
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Patent number: 11848840Abstract: In some implementations, a method of flow monitoring and identification may include identifying one or more ingress interfaces, where customer flow and traffic enters a switch. In addition, the method may include identifying one or more egress interfaces where the customer flow and traffic exits the switch. The method may include determining accurate information of the customer flow passing through the one or more ingress interfaces and the one or more egress interfaces, which includes metadata from a Layer 3 IP Header.Type: GrantFiled: January 31, 2023Date of Patent: December 19, 2023Assignee: Aviz Networks, Inc.Inventors: Chidambaram Bhagavathiperumal, Vishal Shukla
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Patent number: 11847630Abstract: A wearable device receives authentication information from a user. In response to verifying the authentication information, the wearable device provides the user with access to one or more payment capabilities of the wearable device. In response to determining that the wearable device has been switched into an open state, the wearable device removes access to the one or more payment capabilities of the wearable device.Type: GrantFiled: October 19, 2021Date of Patent: December 19, 2023Assignee: PAYPAL, INC.Inventors: Guhan Senguttuvan, Satish Govindarajan, Carlos Rivas, Gordon Lo, Anantharaj Uruthiralingam, Alan Jeung, Tinyen Shih
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Patent number: 11847114Abstract: A system and method of automated data collection which adjusts and reacts to expected availability of update data as well as adjusts and reacts to security restrictions in order to obtain update data as soon as reasonably possible without triggering security lockouts or other restrictions which require excessive amounts of manual intervention. The system and methods provide for efficient and timely collection of invoice data for timely processing, auditing and action.Type: GrantFiled: July 12, 2022Date of Patent: December 19, 2023Assignee: Tangoe US, Inc.Inventors: Dale L. Clark, Zachary Goldberg, Silviu Lupsa
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Patent number: 11847628Abstract: User devices are disclosed for managing a plurality of supplemental payment sources of a user. One method includes: generating and displaying a user interface prompting a user to input: an identifier of a primary payment source account for applying resources to transactions originating at one or more merchants, the primary payment source account being accounted for in a first data structure of a shared ledger and having its identifier linked with one or more supplemental payment source accounts; identifiers of one or more supplemental payment source accounts for applying resources to transactions originating at one or more merchants, the supplemental payment source accounts being accounted for in second and subsequent data structures of the shared ledger; and preference settings for applying resources of the primary payment source account and the supplemental payment source accounts to transactions, based on identities or categories of merchants involved in the transactions.Type: GrantFiled: March 23, 2021Date of Patent: December 19, 2023Assignee: Worldpay, LLCInventors: Erik Baar, Richard Hill
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Patent number: 11847703Abstract: 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: GrantFiled: November 29, 2021Date of Patent: December 19, 2023Assignee: Chicago Mercantile Exchange Inc.Inventors: Dhiraj Bawadhankar, Fateen Sharaby, Steve Dayon, Jack Callahan
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Patent number: 11847644Abstract: A group payment system is provided which permits users to form groups and, as a group, to contribute resources to group funds to make group payments, purchases, and transfer of funds to other groups, individual users, or merchants. Group transactions are conducted via a group transaction application downloaded onto user devices. The group transaction application enables the formation of user groups and facilitates payment in group transaction settings.Type: GrantFiled: May 12, 2021Date of Patent: December 19, 2023Assignee: VERRO, LLCInventor: Jeffrey Neto
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Patent number: 11848902Abstract: Methods, computer-readable media, software, and apparatuses may assist a consumer m unsubscribing from unwanted mailing list traffic and email based relationships. A consumer's discovered accounts and subscriptions may be listed and displayed to the consumer. For each identified account or subscription, an unsubscribe and deletion action may be determined and automated for the consumer.Type: GrantFiled: June 3, 2022Date of Patent: December 19, 2023Assignee: Allstate Insurance CompanyInventors: John S. Parkinson, Marvin Lu
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Patent number: 11843709Abstract: A data store to store and access digital records is provided, and a key object record is initialized in the data store to store data associated with a physical key object. A digital fingerprint of the physical key object is stored in the key object record. Another digital record is created in the data store that is not the key object record. The digital record is linked to the digital fingerprint of the physical key object. The linking is arranged to provide secure control access to the linked digital record. A tendered access key is received via a programmatic interface or user interface, and the data store is queried based on the tendered access key to identify a matching digital fingerprint of a key object. In a case that the querying identifies the matching digital fingerprint of the key object within a prescribed level of confidence, access to the linked digital record secured by the key object is granted.Type: GrantFiled: February 27, 2023Date of Patent: December 12, 2023Assignee: Alitheon, Inc.Inventors: Justin Lynn Withrow, David Justin Ross, Vala Andrésdóttir Withrow
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Patent number: 11836792Abstract: Systems and methods involving computer-based processing for helping customers meet their minimum spend requirement for their introductory credit card offer are disclosed. In one embodiment, an exemplary computer-implemented method may comprise: receiving a total spending amount of a promotional credit card associated with an introductory credit card offer; determining a critical amount to satisfy the minimum spending amount of the promotional credit card; and causing to present a reminder on a screen of a user-associated computing device.Type: GrantFiled: November 9, 2020Date of Patent: December 5, 2023Assignee: Capital One Services, LLCInventor: Ankit Kothari
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Patent number: 11836740Abstract: A system for staging and executing secure, service-based, transactions. The transactions are staged by a mobile device. The system may include a receiver. The receiver receives a communication from the mobile device in order to stage a transaction. The system may also include a near-field communication (NFC) device mounted in the CSC. The NFC device may communicate with the receiver. When the receiver receives a pre-staging communication, the receiver sets the NFC device to a staged state. In the staged state, the NFC device performs an NFC handshake with the mobile device. Following the NFC handshake, the receiver receives a signal from the mobile device. The signal includes a biometric confirmation of the identity of the user and an identification of the mobile device. The biometric confirmation may be derived by the mobile device from a biometric parameter associated with the user. The handshake initiates completion of the transaction.Type: GrantFiled: May 31, 2020Date of Patent: December 5, 2023Assignee: Bank of America CorporationInventor: Elvis Nyamwange
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Patent number: 11836820Abstract: There is disclosed a PIN entry device (PED) for electronic Point of Sale (EPOS) transactions. In addition to the usual PED functionality, the PED disclosed herein allows feedback from a user to be obtained in response to a question. The PED comprises an alphanumeric display for displaying text to a user, a numeric keypad and one or more function keys. The PED is configured to operate to display text to the user on the alphanumeric display to prompt a response from the user. The displayed text corresponds to approved text and unapproved text. The PED is configured to accept responses entered on the numeric keypad or one or more function keys in response to approved text, and to accept only a single key press response when prompted by a display of unapproved text. A corresponding method is also disclosed.Type: GrantFiled: November 2, 2015Date of Patent: December 5, 2023Assignee: TRURATING LIMITEDInventors: Georgina Nelson, Peter Salmon
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Patent number: 11836793Abstract: One embodiment provides a computer implemented method, including: receiving information corresponding to a customer of a seller, wherein the information is related to credit information of the customer; generating a credit attribute for the customer with respect to the seller, wherein the generating includes utilizing a plurality of artificial intelligence agents that each analyze at least a subset of the information to each generate an agent version of the credit attribute; and recommending a deferral of at least a portion of a pending invoice of the seller for the customer, wherein a value of the deferral is based upon the credit attribute.Type: GrantFiled: December 11, 2020Date of Patent: December 5, 2023Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATIONInventors: Shrihari Vasudevan, Sudhanshu Shekhar Singh, Rakesh Rameshrao Pimplikar, Gyana Ranjan Parija, Jasmina Mohorn, Didier Denove, Magesh A Narayanan, Khalid Siddiqui
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Patent number: 11836709Abstract: An example system for digital wallet management including one or more databases and a computing system is described. The databases are configured to store data corresponding to purchase history of a user, the purchase history including payment account information for a first transaction captured through a reader at a point-of-sale system at the time of the first transaction and an identifier associated with the first transaction. The computing system receives a machine-readable element having the identifier associated with the first transaction encoded therein, searches the databases to determine the payment account information associated with the identifier, generates a prompt requesting confirmation of adding the payment account information for the first transaction to a digital wallet, receives positive confirmation to the generated prompt, and populates the digital wallet with the payment account information.Type: GrantFiled: November 2, 2018Date of Patent: December 5, 2023Assignee: Walmart Apollo, LLCInventors: David Martin Nelms, Douglas Jahe Ryner
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Patent number: 11832099Abstract: A method including registering an authority device for an account on an auth platform; receiving transaction request from an initiator to the auth platform; messaging the authority device with the transaction request; receiving an authority agent response from the authority device to the auth platform; if the authority agent response confirms the transaction, communicating a confirmed transaction to the initiator; and if the authority agent response denies the transaction, communicating a denied transaction to the initiator.Type: GrantFiled: September 30, 2021Date of Patent: November 28, 2023Assignee: CISCO TECHNOLOGY, INC.Inventors: Jon Oberheide, Douglas Song, Adam Goodman
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Patent number: 11829949Abstract: A computer-implemented method, system, and computer program product for configuring a pay statement. An input area is presented for a user to enter settings defining how the pay statement is to be configured. The settings are received from the user. A preview of the pay statement is displayed in a preview area based on the settings. The preview provides a visual representation of how the pay statement will appear for the settings. The user may modify the settings until the preview appears as desired by the user.Type: GrantFiled: June 5, 2020Date of Patent: November 28, 2023Assignee: ADP, Inc.Inventors: Roel Punzalan, Chris Montes
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Patent number: 11829358Abstract: In an example, a computer-implemented method for natural language query translation comprises: receiving, by one or more processors, a natural language query; processing, by the one or more processors, the natural language query to identify an intent and a variable of the natural language query; converting, by the one or more processors, the identified variables into low-level variables; combining the identified intent and the low level variables to form a database expression; querying, by the one or more processors, a database storing flight information, using the database expression; and creating, by the one or more processors, at least one graphical representation based on a result of the querying of the database.Type: GrantFiled: October 30, 2020Date of Patent: November 28, 2023Assignee: Honeywell International Inc.Inventors: Satyanarayan Kar, Prabhjit Thind, Rakesh Chandra Balabantaray, Sthita Pragyan Pujari, Julie Vasquez, Harmanpreet Singh, Shashidhara Ganganna
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Patent number: 11829973Abstract: A computing system can receive a primary authorization request corresponding to use of a prepaid payment means of a user of a transaction service for a transaction with a merchant. Based on receiving the primary authorization request, that system can determine that an account balance corresponding to the prepaid payment means comprises inadequate funds to fulfill the transaction. In response, the system can automatically transmit a secondary authorization request to a financial entity associated with an account of the user, and subsequently receive an approval of the secondary authorization request, which enables the system to utilize the account of the user to make up for the inadequate funds of the account balance of the prepaid payment means.Type: GrantFiled: January 4, 2022Date of Patent: November 28, 2023Assignee: Expensify, Inc.Inventor: David M. Barrett
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Patent number: 11831518Abstract: Technologies are provided for providing a dashboard interface corresponding to one or more datacenter components for information originating from one or more proprietary applications. A selection of information corresponding to the one or more datacenter components is initially received. Upon receiving the selection, an application programming interface (API) call request is made, in real-time, for the information corresponding to the one or more datacenter components from the one or more proprietary applications. As the information corresponding to one or more datacenter components from the one or more proprietary applications is received, it is aggregated and provided within the dashboard interface.Type: GrantFiled: November 25, 2020Date of Patent: November 28, 2023Assignee: CERNER INNOVATION, INC.Inventors: Jithu M., Priyanka Bandaru, Sharaz Khan, Akhil Kr, Ajith Prakash, Prajot Patil, Ravindra Sangamesh Gadad, Priya Rai, Asad Iqbal, Sujith Shetty, Dhananjay Gawali, Pravat Santra, John Ulmer
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Patent number: 11829974Abstract: According to one embodiment, a settlement system includes a server and a merchant device. The server includes a rate notification unit and a payment controller. The rate notification unit notifies the device of an exchange rate. The payment controller pays the amount to the device in a currency of a second country. The device includes a display controller and a sales notification unit. The display controller displays on a terminal of a user an amount of payment for purchase of an article in a currency of a first country. The sales notification unit reports to the server the sales information in the currency of the first country. Upon receipt of an image that contains an article, the display controller calculates the amount of payment for purchase of the article in the currency of the first country, and displays the calculated amount of payment on the image.Type: GrantFiled: May 9, 2022Date of Patent: November 28, 2023Assignee: NTT Communications CorporationInventors: Haruhisa Higashide, Yasuhide Katou, Mitsuya Tomoda, Kentaro Numa
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Patent number: 11823146Abstract: Systems and methods for initiating and/or facilitating a financial transaction in response to detecting and translating a spatial gesture may be provided. A payor transaction device may be capable of detecting, via a motion-detecting device, a payor spatial gesture corresponding to a payment gesture of one or more predetermined spatial gestures and, responsive to detecting the payor spatial gesture, receiving payee account information from a payee transaction device. The payor transaction device may also be capable of transmitting, to a payor computing device, transaction data comprising the payee account information and data indicative of the payor spatial gesture. The payor computing device may be capable of transmitting at least a portion of the transaction data to a financial service provider terminal to enable the financial service provider terminal to facilitate the requested transaction.Type: GrantFiled: December 10, 2021Date of Patent: November 21, 2023Assignee: CAPITAL ONE SERVICES, LLCInventors: David K. Wurmfeld, Tyler Sylvain Locke, Adam Koeppel