Bill Distribution Or Payment Patents (Class 705/40)
  • Patent number: 11790447
    Abstract: The disclosed embodiments relate to improving the efficiency of an electronic trading system for interest rate swaps (“IRS”) by allowing for IRS contracts to be funded in a base currency while the cash flows, e.g. coupon payments, price alignment interest, variation margin, are denominated in a local currency different from the base currency. Thereby cash flows may be netted and offset minimizing the magnitude of funds needed to be moved and reducing the number of transactions processed by the electronic trading system as well as the consumption of computational resources thereby. Furthermore, the disclosed embodiments facilitate entering into IRS transactions is a currency different from the currency of cash flows while eliminating Herstatt risk due to volatility of foreign exchange rates, which allows for increased off shore participation and thereby increased transaction volume.
    Type: Grant
    Filed: May 2, 2022
    Date of Patent: October 17, 2023
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Panagiotis Xythalis, Jay Zhu, Fateen Sharaby, Dhiraj Bawadhankar, Molang Dong
  • Patent number: 11783308
    Abstract: The invention relates to a system that implements an electronic exchange for bill pay transactions. The system comprises an electronic exchange network coupled to an electronic input, a memory component and a computer processor configured to perform the steps of: receiving electronic data files and payment files from a plurality of disparate bill payors; distributing data and funds to each participating lockbox provider file; creating an image of each transaction in the form of a non-negotiable check; creating image files for each lockbox provider participant from a plurality of lockbox provider participants, wherein each image file is indexed to each data file; consolidating image files, data files and payment files into an electronic package for each lockbox provider participant; and transmitting the electronic package to a respective lockbox provider participant.
    Type: Grant
    Filed: February 12, 2020
    Date of Patent: October 10, 2023
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Stephen Hoffman, Sejdo Radoncic, Tiffany Ashley Wan, Amy M. Leslie, John L. Biloz, Raghvendra Singh
  • Patent number: 11783212
    Abstract: Some embodiments of the present disclosure may relate generally to software-based service platforms and graphical user interface (GUI) architectures for determining and presenting rule-based conclusions, along with explanations identifying the factor or factors influencing the conclusions. Other embodiments may be disclosed and/or claimed.
    Type: Grant
    Filed: August 16, 2022
    Date of Patent: October 10, 2023
    Assignee: Avalara, Inc.
    Inventors: Naveen Kumar Agrawal, Marshal Kushniruk, Mark Wilhelm, Aaron David Wilson
  • Patent number: 11783323
    Abstract: Autonomous devices and systems, methods, and program products for authorizing and performing autonomous devices transactions are disclosed. An autonomous device can be configured to generate a first hash value of a chain of hash values by applying a hash algorithm to first data including first new data and a first previous hash value of the chain of hash values, the first previous hash value computed by applying the hash algorithm to first previous data. The device can transmit to a transaction computer system the first hash value and the first new data. The device can generate and transmit to the transaction computer system a first signed electronic transaction request comprising first transaction data comprising a sending account identifier associated with the autonomous device, a destination account identifier, a transaction amount, and a timestamp. The device can digitally sign the transaction request using a private key of an asymmetric key pair.
    Type: Grant
    Filed: December 7, 2020
    Date of Patent: October 10, 2023
    Assignee: Gemini IP, LLC
    Inventors: Cameron Howard Winklevoss, Tyler Howard Winklevoss
  • Patent number: 11783331
    Abstract: Methods, computer program products, and apparatus for open tab transactions. A customer device, e.g., a smart phone, can generate an order for purchasing one or more goods or services from a merchant. A list of the items can be stored in a data structure designated as a tab. The list is routed to a merchant device, e.g., a tablet computer. The customer device can be carried by a user to the merchant. When the user reaches the merchant, the customer device or merchant device can receive a request to add an additional item to the list. The tab remains open and modifiable until the customer device or merchant device receives an input to close it. Payment for the goods or services listed in the modified tab is processed upon closing of the tab.
    Type: Grant
    Filed: August 9, 2019
    Date of Patent: October 10, 2023
    Assignee: Block, Inc.
    Inventors: Ajit Kalidindi Varma, Jesse Reiss
  • Patent number: 11776303
    Abstract: Biometric gallery management is performed by association one or more wireless identifiers that correspond to one or more mobile devices (such as smart phones, tablet computing devices, cellular telephones, wearable devices, smart watches, fitness monitors, digital media players, medical devices, and/or other mobile computing devices) that people carry with digital representations of biometrics corresponding to the people. Wireless identifiers corresponding to mobile devices proximate to a biometric reader device may be monitored. Upon detection of wireless identifiers corresponding to mobile devices proximate to the biometric reader device, the associated digital representations of biometrics may be loaded from a main gallery into one or more local galleries, which may then be used to perform one or more biometric identifications and/or verifications.
    Type: Grant
    Filed: January 24, 2023
    Date of Patent: October 3, 2023
    Assignee: ALCLEAR, LLC
    Inventor: Rob Wisniewski
  • Patent number: 11775849
    Abstract: Some embodiments of the present disclosure may relate generally to software-based service platforms and graphical user interface (GUI) architectures for determining and presenting rule-based conclusions, along with explanations identifying the factor or factors influencing the conclusions. Other embodiments may be disclosed and/or claimed.
    Type: Grant
    Filed: August 16, 2022
    Date of Patent: October 3, 2023
    Assignee: Avalara, Inc.
    Inventors: Naveen Kumar Agrawal, Marshal Kushniruk, Mark Wilhelm, Aaron David Wilson
  • Patent number: 11769135
    Abstract: Systems and methods for preparing payment requests via cached payee information databases are described. The cached payee database system allows customers to search locally stored payee databases on their mobile devices for payee information. The cached version of the payee database is updated with updated payee information. The cached database system can perform payee searches on a character-by-character basis in real time with minimal delays between searches.
    Type: Grant
    Filed: August 26, 2022
    Date of Patent: September 26, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Sabitha Dachepalli, Remo DeLeon, Peter Rozovski
  • Patent number: 11769133
    Abstract: The invention provides systems, methods and computer program products for implementing a prepaid currency transaction. The invention comprises (i) receiving a payment instruction for incrementing or debiting a prepaid currency value stored in a first payment account, (ii) implementing the payment instruction, (iii) identifying a set of POS terminals for implementing a memory update memory within each POS terminal in the identified set of POS terminals, wherein the memory update comprises recording an incremented or decremented prepaid currency value stored in the first payment account as a result of implementing the payment instruction, and (iv) performing the memory update within each POS terminal in the identified set of POS terminals.
    Type: Grant
    Filed: July 17, 2020
    Date of Patent: September 26, 2023
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Anurag Aggarwal, Shubhangi Sengar, Rakesh Kumar Patel, Aditya Koduri
  • Patent number: 11770756
    Abstract: A method of enabling one or more functions of a device is disclosed. The method includes sensing by a device a physiological parameter of a user of the device. The device determines whether or not the physiological parameter that is sensed satisfies a criterion. Responsive to determining that the physiological parameter that is sensed satisfies the criterion, the device enables a number of functions of the device while disabling a function of the device.
    Type: Grant
    Filed: March 7, 2022
    Date of Patent: September 26, 2023
    Inventors: Peter D. Karabinis, Rajendra Singh
  • Patent number: 11770330
    Abstract: Network requests can be automatically routed between two or more computer subsystems in some examples. In one such example, a system can determine that a user is eligible for a service based on usage data relating to an account of the user. Based on determining that the account is eligible for the service, the system can activate the service for the user by communicating with a service subsystem. Subsequent to activating the service for the user, the system can receive a network request associated with the user and determine that the network request has a characteristic. Based on determining that the network request has the characteristic, the system can forward the request to the service subsystem. The service subsystem can complete the network request using the service.
    Type: Grant
    Filed: April 13, 2022
    Date of Patent: September 26, 2023
    Assignee: Truist Bank
    Inventors: Robert Rohr, Selcuk Karakaplan
  • Patent number: 11768885
    Abstract: Described herein are embodiments of a database system for performing multi-document transactions. The database system comprises a database comprising a plurality of data storage nodes. The database system receives transactions that access at least two documents stored in the database. The database system generates a transaction identifier associated with the transaction and associates operations in the transaction with the transaction identifier. The database system performs at least part of the transaction on the database and determines whether an error occurred in performing in performing the transaction. When the database system determines that an error occurred in performing the transaction, the database system reverses any performed operations of the transaction. When no error occurs in performing the transaction, the database system outputs a confirmation.
    Type: Grant
    Filed: August 17, 2022
    Date of Patent: September 26, 2023
    Assignee: MongoDB, Inc.
    Inventors: Eliot Horowitz, Andrew Michalski Schwerin
  • Patent number: 11763278
    Abstract: A system, method and apparatus for providing a global service for securely storing deposit instructions is described. The service provides payment processing services with a central location to translate payee information into a revocable d-token that represents the payee deposit instructions. A second service allows qualified banking institutions to convert the d-token into deposit instructions to effectuate a funds transfer.
    Type: Grant
    Filed: March 13, 2020
    Date of Patent: September 19, 2023
    Assignee: Bottomline Technologies, Inc.
    Inventor: Jamie Florio
  • Patent number: 11755923
    Abstract: Performance of a computer running a plan recognition application is improved by obtaining, with a user interface implemented on the computer, a specification of a plan recognition problem, including a plurality of candidate observations; formulating at least one planning problem, with the computer, based on the specification; solving the at least one planning problem, with the computer, to determine at least one plan. The at least one plan is post-processed, with the computer, to determine at least one of the candidate observations which should be selected to solve the plan recognition problem; and the plan recognition problem is solved, with the computer, using the at least one of the candidate observations which should be selected to solve the plan recognition problem. Less CPU time is typically required for the solution as compared to techniques without guidance for selecting the observations.
    Type: Grant
    Filed: November 29, 2018
    Date of Patent: September 12, 2023
    Assignee: International Business Machines Corporation
    Inventors: Shirin Sohrabi Araghi, Michael Katz
  • Patent number: 11755690
    Abstract: Techniques for detecting fraud may include mapping routing numbers of one or more financial institutions with geolocation data of the financial institutions; obtaining a geolocation of a user based on the user's internet protocol (IP) address; obtaining a first user input from the user indicating a first financial institution; generating a match score for each of the one or more financial institutions that indicates a level of match between the first user input and the respective financial institution; boosting the match score for each financial institution based on its location with respect to the geolocation of the user; generating a list of financial institutions having the boosted match score above a threshold; obtaining a second user input from the user indicating at least one second financial institution; and presenting search results to the user based on the second user input, wherein the search results are boosted.
    Type: Grant
    Filed: December 16, 2022
    Date of Patent: September 12, 2023
    Assignee: INTUIT INC.
    Inventors: Itay Margolin, Alexsandr Kim, Yagil Ovadia, Yair Horesh
  • Patent number: 11748738
    Abstract: Described herein are a system and techniques for updating balance information for a disbursement module on a portable device using a transaction module on that same portable device. In some embodiments, each of the transaction module and the disbursement module may be associated with a different transaction processing system. A client device may be used to interact with the transaction module of the portable device via a communication element. In some embodiments, the client device may be configured to receive an account identifier from the transaction module, generate and transmit an authorization request message to an authorization entity, and upon receiving authorization from the authorization entity, cause the transaction module on the portable device to update a balance associated with the disbursement module.
    Type: Grant
    Filed: April 20, 2018
    Date of Patent: September 5, 2023
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Yuexi Chen, Simon Hurry
  • Patent number: 11748379
    Abstract: This disclosure relates to knowledge generation and implementation. A knowledge graph system comprises at least one processor, at least one database communicatively connected to the at least one processor, and a memory storing executable instructions. When executed, the instructions cause the at least one processor to aggregate, from the at least one database, entity data for a plurality of homes. Attribute information identifying geographic locations of the plurality of homes and relationships between pairs of the plurality of homes is extracted from the aggregated data. Knowledge graph data structures are populated with the extracted attribute information. A home knowledge graph is built, having nodes corresponding to the plurality of homes and edges corresponding to the identified relationships. A hierarchical cluster tree structure of the plurality of homes is outputted, wherein levels of the hierarchical cluster tree correspond to clusters of homes determined based in part on the knowledge graph edges.
    Type: Grant
    Filed: December 21, 2021
    Date of Patent: September 5, 2023
    Assignee: Federal Home Loan Mortgage Corporation (Freddie Mac)
    Inventor: Yuang Tang
  • Patent number: 11748742
    Abstract: The present invention relates to the provision of an information processing device that can smoothly perform the migration of a system. An information processing device includes a processing unit including a first function of executing processing that uses service information stored in a recording medium, and a second function of executing processing that uses identification information regarding a service that is stored in a recording medium, and a determination unit configured to determine processing to be executed by the processing unit, on the basis of a request from an external device. In the information processing device, the processing unit executes processing determined on the basis of the request, and the first function is invalidated on the basis of an invalidation request from an external device.
    Type: Grant
    Filed: December 28, 2018
    Date of Patent: September 5, 2023
    Assignee: SONY CORPORATION
    Inventors: Yuhu Wang, Shino Ogasahara, Tsutomu Nakatsuru
  • Patent number: 11748721
    Abstract: Some implementations can include an application to procure and present transaction details. In some implementations, the application is a software application that presents a user interface comprising transaction details corresponding to a user's transaction. In some implementations, the application provides an option to a user to choose to receive details of a transaction. In some implementations, the user can choose to receive details of the transaction by selecting an option. In some implementations, upon the user selecting the option, the application requests the user to provide access credentials to access an account associated with the user from which details of the transaction can be retrieved. In some implementations, upon the user providing the user access credentials, the application accesses the account associated with the user to retrieve the details of the transaction and then presents the retrieved details of the transaction to the user for review.
    Type: Grant
    Filed: March 14, 2022
    Date of Patent: September 5, 2023
    Inventor: Andre Temnorod
  • Patent number: 11748368
    Abstract: A method may include receiving a data file comprising receivable information associated with at least one transaction; detecting that the data file fails to conform to a defined format; separating the receivable information into a plurality of fields; receiving input identifying remittance information in the plurality of fields; reformatting the data file according to the input into a reformatted data file; and transmitting the reformatted data file for processing of the remittance information.
    Type: Grant
    Filed: November 8, 2021
    Date of Patent: September 5, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Seth M. Blacher, Karin L. Farnsworth, Kellie L. Thomas, Irvin J. Cooper
  • Patent number: 11748087
    Abstract: A multi-tenant system provides software-updating functionality that selectively updates tenant systems according to a number of different factors. In some embodiments, the factors include evaluation of “health metrics” that quantify how well tenant systems are functioning after an update of software components to the latest version, policies specified by either the tenants or the multi-tenant system (or both), and/or “kill switches” specified by the multi-tenant system that prevent updating, as some examples.
    Type: Grant
    Filed: June 28, 2021
    Date of Patent: September 5, 2023
    Inventors: Manish Agarwal, Apoorva Deshpande, Chuanbo Zhang, Mohammad Rahimi
  • Patent number: 11748726
    Abstract: Electronic transaction data and/or electronic payment data therefor is routed to disparate payment networks for a multitude of transactions. A software-programmed computer type circuit receives and processes point-of-sale transaction data to select two disparate payment networks for processing electronic payment for the transaction data. Transaction and/or payment data is routed to each of the disparate payment networks, to respectively debit and credit payment accounts, to provide payment to a seller on behalf of a buyer involved in the transaction.
    Type: Grant
    Filed: January 8, 2019
    Date of Patent: September 5, 2023
    Assignee: U.S. Bank National Association
    Inventor: Mark Dickelman
  • Patent number: 11749274
    Abstract: A method includes receiving an utterance at a computerized automated assistant system, and detecting, via a date/time constraint module of the computerized automated assistant system, one or more constraints in the utterance associated with a date or time. The utterance is associated with a domain. The method further comprises generating, via the date/time constraint module, a periodic set for each of the one or more constraints associated with the date or time, and combining, via the date/time constraint module, the one or more periodic sets. The method further comprises processing, via a dialogue manager module of the computerized automated assistant system, the combined periodic sets to determine an action, and executing the action at the computerized automated assistant system.
    Type: Grant
    Filed: December 1, 2020
    Date of Patent: September 5, 2023
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Jordan Rian Cohen, David Leo Wright Hall, Jason Andrew Wolfe, Daniel Lawrence Roth, Daniel Klein
  • Patent number: 11750461
    Abstract: A transaction management platform may partition an amount associated with a group service plan into a plurality of portions. The transaction management platform may provide a graphical user interface to a primary user device of the plurality of user devices. The transaction management platform may receive, from the primary user device, a request for a transaction associated with a portion of the plurality of portions. The portion may be attributable to a secondary user device of the plurality of user devices. The transaction management platform may provide to the secondary user device of the plurality of user devices a unique link that has been generated based on one or more parameters and that enables the secondary user device to complete the transaction. Based on the secondary user device completing the transaction, the transaction management platform may process the transaction to provide an updated amount.
    Type: Grant
    Filed: May 14, 2021
    Date of Patent: September 5, 2023
    Assignee: Verizon Patent and Licensing Inc.
    Inventors: Bharatwaaj Shankar, Ishi Khamesra, Aayushi Sinha, Madhusudhan R. Mallu, Ashfaq A. Shakir
  • Patent number: 11748725
    Abstract: Systems and methods for online billpay using credit products are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for online billpay using a credit product may include: (1) receiving, from a customer, an identification of a merchant for online credit-based bill pay; (2) retrieving accepted payment mechanisms from the merchant; (3) selecting a payment mechanism from the accepted payment mechanisms; (4) receiving an invoice for a customer transaction with the merchant from the merchant; (5) conducting a payment transaction with the selected payment mechanism; and (6) charging the payment transaction to a credit account associated with the customer.
    Type: Grant
    Filed: May 30, 2019
    Date of Patent: September 5, 2023
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Howard Spector, Krishna K. Bhagavatula, Scott H. Ouellette, Winter P. Ng, Devin C. Moore
  • Patent number: 11741472
    Abstract: Systems and methods are provided for authenticating users to accounts in connection with network transactions. An exemplary method includes receiving an authentication request associated with a transaction where the authentication request includes a credential associated with the account, and transmitting an authentication assertion request to an entity associated with the account other than an access control server (ACS) associated with an issuer of the account. The method also includes providing an authentication confirmation, in response to the authentication request, when the entity provides an authentication assertion for the transaction based on a prior authentication of the user, whereby the transaction proceeds based on the authentication confirmation and without authentication specific to the transaction.
    Type: Grant
    Filed: November 29, 2021
    Date of Patent: August 29, 2023
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Aaron Kirby, Brandon Craig Bryson
  • Patent number: 11741468
    Abstract: In one embodiment, a method includes receiving, at a first server, from a privacy component on a user device, a privacy communication request including device data for the user device and server data for a second server communicating with the user device, generating a privacy communication response to be transmitted by the second server to a third server, the privacy communication response including a privacy communication string tagged to the second server and a privacy communication string record identifying the second server, transmitting, to the privacy component, the privacy communication string, receiving, from the third server, an approval request for a secure exchange associated with the privacy communication string, the approval request identifying a requesting server associated with the secure exchange, analyzing the approval request to determine whether there is a match between the requesting server and the second server, and transmitting, to the third server, a validation response.
    Type: Grant
    Filed: March 8, 2022
    Date of Patent: August 29, 2023
    Assignee: Lithic, Inc.
    Inventors: Jason Kruse, Boling Jiang, Andrew Roth
  • Patent number: 11741773
    Abstract: The automated teller machine that conducts transactions by a customer operation is provided. The automated teller machine comprises a customer service part configured to receive customer operations; an input pocket; a media recognizer configured to recognize the medium; a first storage storing the medium; a discharge pocket configured to place the medium delivered from the first storage so that the customer can take the medium out; a first transport path that connect the input pocket, the media recognizer, the first storage, and the discharge pocket to transport the medium; a second storage storing a collected medium that is forgotten to be taken out from the discharge pocket by the customer; and a second transport path connecting the second storage to the first transport path, wherein the second storage is arranged above the first transport paths and on an opposite side of the customer service part.
    Type: Grant
    Filed: June 9, 2022
    Date of Patent: August 29, 2023
    Assignee: GLORY LTD.
    Inventor: Eita Takashima
  • Patent number: 11743313
    Abstract: Methods, systems, and apparatuses are described for streaming content. The embodiments described herein may apply to ABR streaming and output an optimized ABR ladder enabling a playback device to maximize the perceived video quality of received content, provide substantially constant visual quality, and/or minimize rebuffering content. The playback device may request an ABR representation associated with an ABR ladder that has been optimized based on one or more neural networks. The one or more neural networks may be pre-trained based on one or more properties and characteristics/features of the video content. The one or more neural networks may process the video content to dynamically determine parameters such as the bitrates of each ABR representation for the content. The parameters may be used to output the encoded ABR representations.
    Type: Grant
    Filed: September 17, 2021
    Date of Patent: August 29, 2023
    Assignee: Comcast Cable Communications, LLC
    Inventors: Dan Grois, Alexander Giladi
  • Patent number: 11741470
    Abstract: A provider computer system can receive a request for payment of a bill issued by a third party biller. The provider computer system can generate a passcode. Generating the passcode can include transforming data into the passcode. The provider computer system can transmit the passcode. A transaction machine can provide a user interface to receive the passcode. The transaction machine can receive the passcode via the user interface. The transaction machine can transmit a passcode verification request to the provider computer system. The transaction machine can receive a passcode verification message from the provider computer system. The transaction machine can display, responsive to receiving the passcode verification message, payment information associated with the payment of the bill. The transaction machine can receive a payment associated with the bill. The transaction machine can transmit a payment notification to the provider computer system.
    Type: Grant
    Filed: March 8, 2022
    Date of Patent: August 29, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Ashish B. Kurani
  • Patent number: 11741469
    Abstract: In one embodiment, a method includes receiving, from a user device, a first request for a privacy transaction card comprising a plurality of transaction metadata strings associated with a pending transaction between the user device and a first merchant server, analyzing, using a machine learning model, the transaction metadata strings in the first request to determine a risk assessment score for the first request, the machine learning model being trained to determine risk assessment scores based on multiple second requests stored in a privacy transaction database, determining whether the risk assessment score for the first request exceeds a specified risk threshold associated with the pending transaction, generating, upon determining the risk assessment score is below the specified risk threshold, a privacy transaction card comprising a unique privacy payment card number associated with the user device and the first merchant server, and transmitting, to the user device, the privacy transaction card.
    Type: Grant
    Filed: March 14, 2022
    Date of Patent: August 29, 2023
    Assignee: Lithic, Inc.
    Inventors: Jason Kruse, Boling Jiang, Andrew Roth
  • Patent number: 11736490
    Abstract: Systems, methods, and apparatuses for providing a customer a central location to manage permissions provided to third-parties and devices to access and use customer information maintained by a financial institution are described. The central location serves as a central portal where a customer of the financial institution can manage all access to account information and personal information stored at the financial institution. Accordingly, the customer does not need to log into each individual third-party system or customer device to manage previously provided access to the customer information or to provision new access to the customer information.
    Type: Grant
    Filed: April 26, 2021
    Date of Patent: August 22, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Lila Fakhraie, Brian M. Pearce, Steven Pulido, Benjamin Soccorsy, Mojdeh Tomsich
  • Patent number: 11734687
    Abstract: In various embodiments, a system and method for providing simplified checkout are provided. In example embodiments, an identifier that corresponds to a payment account of a user is received at a payment provider system. Account information from the payment account of the user is retrieved from a payment data storage of the payment provider system. The account information is used in a payment transaction involving a merchant system. A payment interface having transaction fields populated with the account information retrieved from the payment account of the user is presented to the user while the user maintains a presence on a webpage of a merchant system.
    Type: Grant
    Filed: October 28, 2021
    Date of Patent: August 22, 2023
    Assignee: PayPal, Inc.
    Inventors: Shilpa Dhar, Jeff Harrell, Cody Evol, Cristina Escutia
  • Patent number: 11727385
    Abstract: Various embodiments herein each include at least one of systems, methods, and software for electronic transaction processing. One embodiment includes a method that may be performed by a server includes maintaining a database of payee accounts. A payee account may include at least a payee identifier and a payee bank account identifier. This method further includes decrypting code data including at least a payee identifier received from a node over a network via a network interface. The method may then retrieve a payee bank account identifier from the database based on the decrypted payee identifier and transmit a form of the payee bank account identifier to the node over the network via the network interface device. Some such embodiments include a single server, which may actually be multiple servers operating jointly, that provide such services for multiple payees.
    Type: Grant
    Filed: June 26, 2015
    Date of Patent: August 15, 2023
    Assignee: NCR Corporation
    Inventor: Jean-Marc Zeitoun
  • Patent number: 11720960
    Abstract: A web based finance system allows users to refinance past eligible purchasing transactions. The system can include a system server(s) which is in communication through a network with client computing devices associated with customers. The server can receive customer information and determine a refinancing value range based upon the user has a bank account and/or credit risk rating information. The server can identify prior eligible credit card purchases for refinancing and the customer can select one or more purchases for refinancing and the refinancing loan terms.
    Type: Grant
    Filed: March 31, 2021
    Date of Patent: August 8, 2023
    Assignee: Affirm, Inc.
    Inventors: Max Levchin, Christopher Beckmann, Jeffrey Howard Kaditz, Roberto Novoa, Andrew Gettings Stevens, Manuel De Jesus Arias, Aaron Ng Ligon
  • Patent number: 11720855
    Abstract: Various methods, apparatuses/systems, and media for automatically generating and/or updating corporate action swift (society for worldwide interbank financial telecommunication) messages are provided. A processor accesses a database that stores a plurality of static data sheets each including different type of static data; accesses a plurality of corporate action swift generator sheets each configured to link to the plurality of static data sheets from the database and generate a certain type of swift in an MT56x family of swift; implements a template that is linked to the plurality of corporate action swift generator sheets to access a desired static data sheet; automatically generates a corporate action MT56x family of swift message based on the template and the desired static data sheet; and automatically creates an MT56x swift file as output for the generated corporate action MT56x family of swift message in either a text file format or an excel file format.
    Type: Grant
    Filed: June 30, 2020
    Date of Patent: August 8, 2023
    Assignee: JPMORGAN CHASE BANK. N.A.
    Inventor: Mahmood Hosseini
  • Patent number: 11720959
    Abstract: A payment processing system receives, from a plurality of merchant computing devices associated with respective merchants, transaction information of transactions performed between the respective merchants and customers. Further, the system may receive, from a first computing device, a request to finance a purchase to be made by a customer from a first merchant. The system may determine, based at least partially on analysis of previous transactions of the customer determined from the received transaction information, financing terms for the purchase, the financing terms including a financed amount and repayment terms for the customer for the financed amount. The system may transmit the financing terms to the first computing device, and may receive an acceptance by the customer of the financing terms. Additionally, the system may send, based on the approved financed amount, a communication indicating an amount to provide to an account associated with the first merchant.
    Type: Grant
    Filed: August 24, 2020
    Date of Patent: August 8, 2023
    Assignee: BLOCK, INC.
    Inventors: Brian Boates, Adam Jeremy Fern, Andrew Kimball, John Bryan Scott
  • Patent number: 11720875
    Abstract: Methods and systems for facilitating a digital wallet transaction are described herein. A service provider identifies and recommends the most applicable digital wallets for a user based on various factors, such as user location, type and amount of purchase, type of merchant, and/or mood of the user. The service provider may also rank the recommended digital wallets and/or determine how many should be presented to a user. During merchant checkout, the user is presented with the recommended digital wallets, and the user selects one of the digital wallets to fund the purchase.
    Type: Grant
    Filed: September 30, 2021
    Date of Patent: August 8, 2023
    Assignee: PayPal, Inc.
    Inventors: William Ready, Juan Antonio Benitez, II, James Robert von Behren, Andrew Kortina, Benjamin Eroe Mills
  • Patent number: 11715952
    Abstract: An electricity distribution system includes a peer-to-peer decentralized ledger network and a plurality of distributed ledger nodes in communication within the peer-to-peer decentralized ledger network. At least one distributed ledger node of the plurality of distributed ledger nodes includes a processor that aids in executing peer-to-peer energy and financial transactions between energy suppliers and energy buyers. The processor is programmed to schedule at least one of supply of electricity from one of a plurality of available energy sources to an on-site load based on predetermined demand parameters set by an energy buyer and delivery of electricity generated by a distributed energy resource to an external load based on predetermined supply parameters set by an energy supplier.
    Type: Grant
    Filed: January 17, 2019
    Date of Patent: August 1, 2023
    Assignee: Eaton Intelligent Power Limited
    Inventors: Manoj Gokhale, Ramanath Iyer Ramakrishnan, David K. Yee, Shailendra Fuloria, Santosh Kumar Sharma
  • Patent number: 11715076
    Abstract: There are provided systems and methods for user interfaces for account statement assignment. A user may engage in transactions over a time period, such as purchases of goods, services, or other items using a physical payment card associated with an online transaction processor. A statement may be issued at the completion of the time period, where the statement may include account information requiring a payment by the user, such as a statement balance. The user may request for another user to provide a payment for all or a portion of the balance using one or more user interfaces of a peer-to-peer payment and social networking platform. Thereafter, a request may be provided to the other user, which may request the payment. The other user may process the payment, which may be used to provide funds directly to the statement balance.
    Type: Grant
    Filed: June 30, 2020
    Date of Patent: August 1, 2023
    Assignee: PAYPAL, INC.
    Inventors: Shilpa Dhar, Jason Brightman, Alexander C. Simonson
  • Patent number: 11715098
    Abstract: Provided is an information management system that comprises: a payment information confirmation device which is connected over a network to a cryptocurrency system management terminal that manages a cryptocurrency system, which extracts transaction information including address information for a seller account in a cryptocurrency system, and which generates and transmits payment confirmation information including at least a transfer amount from the extracted transaction information; and a register device which is connected to the payment information confirmation device, receives the payment confirmation information from the payment information confirmation device, displays the received payment confirmation information, converts the currency units of an entered transaction amount into a cryptocurrency units payment amount in the currency units of the cryptocurrency system, generates a two-dimensional code in which are recorded the cryptocurrency units payment amount and the address information, and displays th
    Type: Grant
    Filed: March 7, 2017
    Date of Patent: August 1, 2023
    Assignee: NEC CORPORATION
    Inventor: Ryo Furukawa
  • Patent number: 11704734
    Abstract: Systems and methods are provided for efficiently processing withholding payments for constructive dividends. A party that receives constructive dividend payments also has a corresponding short position in a withholding financial instrument. A clearing house computer system adjusts the value of a withholding financial instrument in response to receipt of constructive dividend payments. The clearing house computer system determines a variation margin amount for the short party and processes a variation margin payment from the short party to a withholding account through the variation margin settlement system.
    Type: Grant
    Filed: May 18, 2021
    Date of Patent: July 18, 2023
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Richard Co, Timothy Francis McCourt, Thomas Patrick Rafferty, John Balaam Alexander Kerpel
  • Patent number: 11704666
    Abstract: Systems, methods, and computer-readable storage media utilized for authorizing transactions without a payment card present. One method includes receiving a habitual transaction request including a customer indicator and identifying characteristics of the habitual transaction request. The method further includes identifying, utilizing the customer indicator, habit information of a customer and authenticating the habitual transaction request based on the characteristics of the habitual transaction request conforming with the habit information. The method further includes, in response to authenticating the habitual transaction request, authorizing the habitual transaction request and receiving a non-habitual transaction request including the customer indicator.
    Type: Grant
    Filed: June 8, 2021
    Date of Patent: July 18, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Wayne Barakat, Ha M. Duong, Yvette Hatton, Chris Kalaboukis, Marria Rhodriquez
  • Patent number: 11704717
    Abstract: Item codes for items are mapped to multidimensional space as item vectors based on transaction contexts. Similarities between item codes are based on distances between the item codes within the multidimensional space. Substitute items for out-of-stock items are automatically identified based on the item similarities and based on collected feedback from transactions. The substitute items are provided in real time to customers during transactions, item picking services during item fulfillment, and shelf management services for item shelf stocking. In an embodiment, the substitute items are further determined based on a specific transaction history for a given customer and specific feedback collected for the given customer from the specific transaction history.
    Type: Grant
    Filed: September 24, 2020
    Date of Patent: July 18, 2023
    Assignee: NCR Corporation
    Inventors: Itamar David Laserson, Rotem Chudin, Julie Dvora Katz Ohayon, Moshe Shaharur
  • Patent number: 11704733
    Abstract: An asset trading system utilizing a distributed ledger and configured to: when a creation request to create a digital fund token representing at least one share of a fund having a plurality of different assets (i) is received, (ii) is electronically signed with a private key associated with a first addressed account, and (iii) indicates a composition of the at least one share of the fund: place the plurality of different assets represented by the at least one share of the fund into an escrow account; create the digital fund token, wherein the digital fund token indicates the composition of the share of the fund; and record the creation of the digital fund token on a distributed ledger.
    Type: Grant
    Filed: December 30, 2016
    Date of Patent: July 18, 2023
    Assignee: tZERO IP, LLC
    Inventors: Alec Wilkins, Robert Christensen, John Wesley Welborn, John Tabacco, Glen Nickle
  • Patent number: 11704640
    Abstract: Introduced here is a technology for automatic notification of an invoice for a customer based on identification of a customer identifier included in transaction data received from a point-of-sale (POS) system of a particular merchant (“the invoice technology”). The notification can include a promotion to provide an incentive to the customer to pay the invoice. The notification can be presented on a display of the POS system. Alternatively, the notification can be presented in a receipt for the transaction conducted at the POS system, where that receipt can be transmitted for display at a user device of the customer. For example, the receipt can be in the form of an email message or a text message. Upon notification of the invoice, the customer can submit a payment for that invoice (“invoice payment”) in exchange for the promotion.
    Type: Grant
    Filed: November 11, 2019
    Date of Patent: July 18, 2023
    Assignee: Block, Inc.
    Inventors: Matthew Allen Todd, Mathew Wilson, Douglas Justin Shearer
  • Patent number: 11699154
    Abstract: In one embodiment, a method includes receiving, at a privacy transaction platform server, from a transaction network server, a transaction approval request associated with a user device and a requesting server including proffered transaction strings and proffered server properties associated with the requesting server, retrieving a privacy transaction record associated with the user device including tagged transaction strings and server properties associated with a provider server, determining that there is a transaction string match between the proffered transaction strings and the corresponding tagged transaction strings, determining that there is a server match between the requesting server and the provider server based on a validity metric for the transaction approval request exceeding a specified confidence threshold based on an analysis of the proffered server properties and the provider server properties, and transmitting, to the transaction network server, a validation response approving the requested
    Type: Grant
    Filed: March 8, 2022
    Date of Patent: July 11, 2023
    Assignee: Lithic, Inc.
    Inventors: Jason Kruse, Boling Jiang, Andrew Roth
  • Patent number: 11699157
    Abstract: A payer initiates a payment transaction of a certain dollar amount through a user interface provided by their bank. The bank generates a hyperlink associated with the payment transaction. By managing a state of the transaction, the hyperlink can be given an expiration time and/or a counter of visits. The hyperlink is sent to a payment recipient in a text message or email, either by the payer or by the bank. Upon following the hyperlink, the recipient can enter their own debit card information to receive the money transfer to their debit account, without the need to set up an account login or account. A notification mechanism, such as a broadcast stream of payments, can be employed to inform different entities (such as those recording property payments or utilities payments) that a payment was made to the payment recipient.
    Type: Grant
    Filed: September 30, 2020
    Date of Patent: July 11, 2023
    Assignee: Chime Financial, Inc.
    Inventors: Michael Ducker, Baishi Wu
  • Patent number: 11698780
    Abstract: Embodiments described herein are generally directed to an edge-CaaS (eCaaS) framework for providing life-cycle management of containerized applications on the edge. According to an example, declarative intents are received indicative of a use case for which a cluster of a container orchestration platform is to be deployed within an edge site that is to be created based on infrastructure associated with a private network. A deployment template is created by performing intent translation on the declarative intents and based on a set of constraints. The deployment template identifies the container orchestration platform selected by the intent translation. The deployment template is then executed to deploy and configure the edge site, including provisioning and configuring the infrastructure, installing the container orchestration platform on the infrastructure, configuring the cluster within the container orchestration platform, and deploying a containerized application or portion thereof on the cluster.
    Type: Grant
    Filed: April 21, 2021
    Date of Patent: July 11, 2023
    Assignee: Hewlett Packard Enterprise Development LP
    Inventors: Lianjie Cao, Anu Mercian, Diman Zad Tootaghaj, Faraz Ahmed, Puneet Sharma
  • Patent number: 11694273
    Abstract: A risk relationship package data store may contain electronic records, each electronic record representing a risk relationship package between an enterprise and an entity, and including, for each package, an electronic record identifier and an overall attribute value. A computer server may transmit, to a remote device associated with the entity, a set of potential types of risk coverage based on information in an available type of risk coverage data store. The server may then receive an indication of a selected subset of the potential types of risk coverage and, based on the received indication and a pre-determined rule, generate a risk relationship package for the entity using a flexible structure framework. The server may calculate an overall attribute value for the package based on an attribute algorithm (such that at least one reduction to the overall attribute value is applied based on an amount associated with the selected subset).
    Type: Grant
    Filed: December 10, 2020
    Date of Patent: July 4, 2023
    Assignee: HARTFORD FIRE INSURANCE COMPANY
    Inventors: Julia M. Feldman, Erin M. Gibbons, Sandra E. Belcourt