Bill Distribution Or Payment Patents (Class 705/40)
  • Patent number: 9424610
    Abstract: System and methods for determining items purchased in a transaction are described. Transaction information, such as a transaction amount, transaction location, and merchant ID may be used to generate a pre-tax transaction amount. A website affiliated with a transacted merchant may be parsed to determine whether one or more single items, or combinations of items, have prices that alone or when summed equal the pre-tax transaction amount. The items may be assigned probability values based on clustering and consumer profiling and an item ID may be stored for each item having the highest probability value.
    Type: Grant
    Filed: March 3, 2015
    Date of Patent: August 23, 2016
    Inventor: Harrison R. Siegel
  • Patent number: 9424545
    Abstract: Methods, systems, computer-readable media, and apparatuses for providing geospatial worksite management for large-scale construction projects are presented. In some embodiments, a computing device may receive a geographic map of a construction site and a construction schedule including multiple tasks. The computing device may display the geographic map and receive a selection of a geographic location on the geographic map. The computing device may determine that a first set of tasks is associated with the geographic location and may display an object associated with the first set of tasks overlaid on the geographic map at the determined geographic location. The object may represent a structure to be constructed at the construction site.
    Type: Grant
    Filed: January 15, 2015
    Date of Patent: August 23, 2016
    Assignee: Hito Management Company
    Inventor: James Lee
  • Patent number: 9411976
    Abstract: There is provided a system, including a network that is defined by its novel approach to privacy, security and freedom for its users, namely privacy by allowing access anonymously, security by encrypting and obfuscating resources and freedom by allowing users to anonymously and irrefutably be seen as genuine individuals on the network and to communicate with other users with total security and to securely access resources that are both their own and those that are shared by others with them. Functional mechanisms that the system are able to restore open communications and worry-free access in a manner that is very difficult to infect with viruses or cripple through denial of service attacks and spam messaging; moreover, it will provide a foundation where vendor lock-in need not be an issue.
    Type: Grant
    Filed: April 24, 2014
    Date of Patent: August 9, 2016
    Inventor: David Irvine
  • Patent number: 9406050
    Abstract: An electronic business postal system collects, clears and delivers electronic business mail through a closed access, secure messaging system. A collection subsystem consists of access portals that are associated with secured system nodes. The access portals provide authenticated users access to the system to send and retrieve electronic business mail that includes postal system electronic delivery addresses, physical delivery addresses, or both. Secured message servers that are associated with the respective access portals process the electronic business mail into uniquely identified messages for delivery over the system nodes and also process received messages to provide the corresponding electronic business mail to the intended recipients through associated access portals. A delivery subsystem directs the messages through the system nodes associated with the senders' access portals to the system nodes associated with the recipients' access portals.
    Type: Grant
    Filed: August 20, 2013
    Date of Patent: August 2, 2016
    Inventors: Liam Church, Fionnuala Higgins, David James Fleming
  • Patent number: 9361152
    Abstract: Techniques for improved transactional memory management are described. In one embodiment, for example, an apparatus may comprise a processor element, an execution component for execution by the processor element to concurrently execute a software transaction and a hardware transaction according to a transactional memory process, a tracking component for execution by the processor element to activate a global lock to indicate that the software transaction is undergoing execution, and a finalization component for execution by the processor element to commit the software transaction and deactivate the global lock when execution of the software transaction completes, the finalization component to abort the hardware transaction when the global lock is active when execution of the hardware transaction completes. Other embodiments are described and claimed.
    Type: Grant
    Filed: July 15, 2013
    Date of Patent: June 7, 2016
    Inventors: Irina Calciu, Justin E. Gottschlich, Tatiana Shpeisman
  • Patent number: 9361611
    Abstract: A method for facilitating the widespread use of the PIN-Debit payment method for Internet “eCommerce” and mobile payments sales which requires little or no change for the cardholders, merchants, debit networks and card issuers based primarily on the introduction of a layer of middleware and wherein the Debit Networks and Issuing Banks may customize the implementation of the services based on individual strategy and cardholder preferences.
    Type: Grant
    Filed: March 27, 2015
    Date of Patent: June 7, 2016
    Inventor: Steven V. Bacastow
  • Patent number: 9342831
    Abstract: The present disclosure relates to systems, methods, and devices for sending and receiving payments using an integrated payment and messaging system. In particular, the integrated payment and messaging system allows users to send and receive electronic payments as well as exchange messages. For example, one or more implementations involve facilitating same day push-to-debit payment transactions between a user and a co-user. To illustrate, one or more implementations involve sending a push-to-debit request to credit funds for the payment amount of the payment transaction to a debit card of a co-user, the push-to-debit request being formatted for same day processing.
    Type: Grant
    Filed: December 16, 2014
    Date of Patent: May 17, 2016
    Assignee: FACEBOOK, INC.
    Inventors: Stephen Moore Davis, Michelle Vautier Chernyavsky, Vipan Reddy Raja Nalla
  • Patent number: 9342951
    Abstract: A secure architecture can provide a wagering game establishment access to the utility and entertainment value of online social communities. An architecture that employs an internal entity that controls import and export of data (“import/export controller”) and an external entity that operates as a liaison (“data liaison”) between the import/export controller and one or more online social communities allows this access in a secure manner. The import/export controller and the data liaison handle data transmissions (e.g., data streams, data updates, etc.) between the secure entity and the one or more online social communities. The import/export controller applies rules that regulate import and export of data, and the data liaison allows the import/export controller to operate in obscurity. Funneling data transmissions through the import/export controller and the data liaison allows players to securely access an online social community from a wagering game machine while in a wagering game establishment.
    Type: Grant
    Filed: October 23, 2012
    Date of Patent: May 17, 2016
    Assignee: BALLY GAMING, INC.
    Inventors: Damon E. Gura, Budyanto Himawan, Mahesh Lakshmanaperumal, Krishnakumar Meluveettil, Scott H. Schulhof
  • Patent number: 9330247
    Abstract: A memory card having a memory resident on the memory card and having stored thereon multiple isolated user accounts each having an associated user account data, and a firmware stored in memory, the firmware including coded instructions, which when executed, selectively manages each isolated user account so that an account access data for a predetermined isolated user account is accessed from the associated user account data when the firmware determines a predetermined condition is satisfied.
    Type: Grant
    Filed: April 18, 2014
    Date of Patent: May 3, 2016
    Assignee: The Boeing Company
    Inventors: Arvin Verma, Andrew B. Patton
  • Patent number: 9317841
    Abstract: A method and system for facilitating online payments are disclosed. According to one aspect of the present invention, a payment agreement is established at a payment service provider that defines terms of a payment relationship between a merchant and a user. The establishing of the payment agreement includes linking the payment agreement with a payment account of the merchant or user stored at the payment service provider. After establishing the payment agreement, a payment request associated with a transaction is received, whereby the payment request includes a unique identifier to identify the payment agreement stored at the payment service provider. Based on a verification that the payment request complies with terms of the payment agreement, the payment request is processed.
    Type: Grant
    Filed: April 27, 2012
    Date of Patent: April 19, 2016
    Assignee: PayPal, Inc.
    Inventors: Hugo Olliphant, Franck Chastagnol, Yi-Ling Su, William Wu, Chris Brown, Thach Dang, Thomas Veino, Carol Gunby, Peter Chu, Steve Chen
  • Patent number: 9311634
    Abstract: A system for bill pay enrollment may comprise at least one subsystem that scans a paper a bill into a digital image, at least one subsystem that recognizes information on the digital image, and at least one subsystem that uses at least some of the recognized information to enroll a payee into a bill pay system.
    Type: Grant
    Filed: September 21, 2012
    Date of Patent: April 12, 2016
    Assignee: United Services Automobile Association (USAA)
    Inventor: Marc W Hildebrand
  • Patent number: 9305310
    Abstract: A method for enabling a user to verify a price change for an on-demand service is provided. One or more processors can determine a real-time price for providing the on-demand service to the user. The one or more processors can determine when the real-time price is equal to or exceeds a threshold price. In response to a request from the user for the on-demand service when the real-time price is equal to or exceeds the threshold price, an intermediate interface can be provided that the user is to correctly respond to before a service request can be transmitted to a service system.
    Type: Grant
    Filed: March 14, 2013
    Date of Patent: April 5, 2016
    Assignee: Uber Technologies, Inc.
    Inventors: Mina Radhakrishnan, Shalin Amin, Curtis Chambers, Ryan McKillen, Travis Cordell Kalanick
  • Patent number: 9292852
    Abstract: A transaction processing service operates as an intermediary between acquirers of financial transaction requests and issuing institutions that process the financial transaction requests. The intermediary receives an authorization request generated based on a transaction initiated by a customer at a point of purchase. The intermediary service then determines one or more stored value items that can be applied to the transaction. Stored value items may be determined based on the customer's identity or based on transaction characteristics, such as the point of purchase or the transaction items. The service sends a transaction notification to a mobile device associated with the customer to notify the customer of the available stored value items. The service then applies the stored value items to pay a portion of the transaction amount and initiates a payment process to pay the remainder of the transaction amount.
    Type: Grant
    Filed: August 18, 2010
    Date of Patent: March 22, 2016
    Assignee: FonWallet Transactions Solutions, Inc.
    Inventors: Todd R. Coulter, Mordechai E. Kaplinsky, Christopher E. Lewis, Jeffery A. Warmington
  • Patent number: 9286446
    Abstract: Managing and accessing media items, including: a plurality of domains configured to provide access to media items; a plurality of clients associated with the plurality domains, and providing a pathway for accessing the media items; and a spanning application configured to track and aggregate accessible media items from the plurality of domains based on authentication and registration information and associated rights of the plurality of clients and the plurality of domains, wherein the spanning application enables accessing of the media items across the plurality of domains.
    Type: Grant
    Filed: December 13, 2010
    Date of Patent: March 15, 2016
    Inventor: Richard Berger
  • Patent number: 9282082
    Abstract: A method, system and computer program product are disclosed for compressing encrypted data, wherein the data is encrypted by using a block encryption algorithm in a chained mode of operation, and the encrypted data is comprised of a set of N encrypted blocks, C1 . . . CN. In one embodiment, the method comprises leaving block CN uncompressed, and compressing all of the blocks C1 . . . CN in a defined sequence using a Slepian-Wolf code. In an embodiment, the data is encrypted using an encryption key K, and the compressing includes compressing all of the blocks C1 . . . CN without using the encryption key. In one embodiment, the compressing includes outputting the blocks C1 . . . CN as a set of compressed blocks CmprC1 . . . CmprCN-1, and the method further comprises decrypting CN to generate a reconstructed block {tilde over (X)}n, and decrypting and decompressing the set of compressed blocks using {tilde over (X)}n.
    Type: Grant
    Filed: December 23, 2014
    Date of Patent: March 8, 2016
    Assignee: International Business Machines Corporation
    Inventors: Camit Hazay, Ashish Jagmohan, Demijan Klinc, Hugo M. Krawczyk, Tal Rabin
  • Patent number: 9281949
    Abstract: A DRM client on a device establishes trust with a DRM server for playback of digital content. The client executes in a secure execution environment, and the process includes (1) securely loading loader code from secure programmable memory and verifying it using a digital signature scheme and first key securely stored in the device; (2) by the verified loader code, loading DRM client code from the memory and verifying it using a digital signature scheme and second key included in the loader code; (3) by the verified DRM client code (a) obtaining a domain key from the memory; (b) encrypting the domain key with a device identifier using a DRM system key included in the DRM client code; and (c) sending the encrypted domain key and device identifier to the DRM server, whereby the device becomes registered to receive content licenses via secure communications encrypted using the domain key.
    Type: Grant
    Filed: December 22, 2014
    Date of Patent: March 8, 2016
    Assignee: ERICSSON AB
    Inventors: Raj Nair, Mikhail Mikhailov, Kevin J. Ma
  • Patent number: 9277061
    Abstract: A mobile bill providing server receives bill details for a particular user from a mobile bill issuing server and provides a mobile bill to a mobile terminal available for installation of a bill viewer, the mobile bill being dependent upon the bill viewer. A mobile bill providing method includes searching for the mobile terminal associated with the particular user and determining whether the bill viewer has been installed in the mobile terminal. If the bill viewer has not been installed in the mobile terminal, the method includes transmitting an electronic bill independent of the bill viewer and guidance information for installation of the bill viewer to the mobile terminal, waiting for a period of time until the bill viewer is installed in the mobile terminal, and when the bill viewer is installed, transmitting the mobile bill to the mobile terminal.
    Type: Grant
    Filed: December 30, 2013
    Date of Patent: March 1, 2016
    Assignee: LG CNS CO., LTD.
    Inventor: Junkyu Yang
  • Patent number: 9277157
    Abstract: This invention relates generally to a content integration and delivery system and a method of using the same. In particular, the present invention relates to a system that integrates digital video content with object-oriented script (hotspots) to provide object specific marketing, including potential channels of distribution, such as internet shopping. The system includes the process of identifying and marking the relative location of specific objects within digital media and providing an outlay for the users to locate the object over the global system of interconnected computer networks (e.g. Internet). By using the disclosed interactive platform, a user can easily view, display, select and purchase any featured product in the video through Internet.
    Type: Grant
    Filed: March 15, 2013
    Date of Patent: March 1, 2016
    Assignee: Gravidi, Inc.
    Inventor: Andrei Paul Averbuch
  • Patent number: 9269062
    Abstract: A method, non-transitory computer readable medium, and energy optimization device that optimizes energy consumption includes generating an energy model for each of a plurality of sites in an enterprise network. A plurality of service windows is determined for each of the sites. An energy consumption forecast is generated for each of the sites based on the generated energy models and the determined service windows. Current energy consumption information is obtained for one of the sites. Optimization recommendation(s) are determined for the one site based on a deviation of the obtained current energy consumption information for the one site from the generated energy consumption forecast for the one site in an active one of the determined service windows for the one site, and the optimization recommendation(s) are output.
    Type: Grant
    Filed: April 3, 2013
    Date of Patent: February 23, 2016
    Assignee: Wipro Limited
    Inventors: Har Amrit Pal Singh Dhillon, Parminder Singh, Dinesh Kumar Pathak
  • Patent number: 9251519
    Abstract: A news aggregation server aggregates and monetizes restricted news content. The news aggregation server fetches the restricted news content from multiple news source servers that are remote from the news aggregation server. The news aggregation server aggregates the fetched restricted news content and searches the aggregated news content based on input received from a client. The news aggregation server provides access to selected news content from the aggregated news content that is relevant to the client input and charges the user a price for accessing the selected restricted news content.
    Type: Grant
    Filed: December 31, 2003
    Date of Patent: February 2, 2016
    Assignee: Google Inc.
    Inventors: Krishna Bharat, Michael Schmitt, Mike Curtiss, Marissa Mayer, Kerah Pelczarski, Janny Zhou, Duane Scott Hess
  • Patent number: 9251510
    Abstract: Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous payment networks. A software-programmed computer circuit receives and processes electronic transaction data to identify a buyer using information provided in the transaction data, and uses the identification to access buyer profile information for selecting one of a plurality of networks. In this context, a buyer can be identified using one of a plurality of identification approaches (e.g., different account IDs), and such identification can be used for retrieving and using electronic profile data to select a payment network for the buyer, which may be completely independent from the identification. Payment data is accordingly configured so that the selected network can receive and process the data, such as by configuring the data into a network-specific format and/or communicating the data using network-specific protocols.
    Type: Grant
    Filed: November 25, 2008
    Date of Patent: February 2, 2016
    Assignee: U.S. Bank National Association
    Inventor: Mark Dickelman
  • Patent number: 9224157
    Abstract: Different users may receive different information in response to a selection of the same link that is displayed on a website, mobile site or in the real world. The content delivered to a particular user may be dependent on the time of the selection, the geographic location of the user, a weather condition at the geographical location, personal information associated with the user, a number of previous selections of the link by prior individuals, and any combination of the these or other variables, which may be determined by an originator of the link or another party. Dynamic intelligent profiling platforms may be established for determining content or destinations to be presented to customer devices interacting with any of a variety of touchpoints, based on the real-world conditions of each customer.
    Type: Grant
    Filed: December 12, 2013
    Date of Patent: December 29, 2015
    Inventors: John W. Lim, John M. Packes, Jr.
  • Patent number: 9213965
    Abstract: Machine, methods, and program product for facilitating electronic inventory tracking and management of products through messaging over a payment network, are provided. An example includes an inventory management computer in communication with a merchant POS apparatus or terminal over an existing financial services payment network and configured to receive and process purchase transaction data associated with a product being purchased, for use by a product provider. The computer can include electronic inventory management program product configured to perform various operations including receiving a purchase transaction message sent through the payment network, storing purchase transaction data, and notifying a product provider of the purchase transaction data.
    Type: Grant
    Filed: November 25, 2009
    Date of Patent: December 15, 2015
    Assignee: METABANK
    Inventors: Jason Brooks, Mike Wells
  • Patent number: 9207985
    Abstract: A plurality of memory allocators are initialized within a computing system. At least a first memory allocator and a second memory allocator in the plurality of memory allocators are each customizable to efficiently handle a set of different memory request size distributions. The first memory allocator is configured to handle a first memory request size distribution. The second memory allocator is configured to handle a second memory request size distribution. The second memory request size distribution is different than the first memory request size distribution. At least the first memory allocator and the second memory allocator that have been configured are deployed within the computing system in support of at least one application. Deploying at least the first memory allocator and the second memory allocator within the computing system improves at least one of performance and memory utilization of the at least one application.
    Type: Grant
    Filed: September 12, 2012
    Date of Patent: December 8, 2015
    Assignee: International Business Machines Corporation
    Inventor: Arun Iyengar
  • Patent number: 9204190
    Abstract: A method of delivering video content. The method may comprise receiving a request for a first video from an Internet connected device, selecting a second video to be played with the first video, generating a playlist comprising the first video and the second video, and transmitting the playlist to the Internet connected device. The playlist may include a verification video. Additionally, a system for delivering video content is described. The system may include a processor, storage, an operating system, one or more network interfaces capable of communicating with a plurality of video advertising networks, a digital advanced stream redirector generator module capable of generating a playlist, and a scripting engine.
    Type: Grant
    Filed: March 13, 2013
    Date of Patent: December 1, 2015
    Assignee: Vidillion, INC
    Inventor: Dennis M. Nugent
  • Patent number: 9202198
    Abstract: Techniques are disclosed for managing certain aspects of a large industrial operation (such as a pipeline). A commodity materials invoice system may allow a user to model a commodity invoice as a template and subsequently use that template to model commodity usage for different periods of time. Costs for a given billing period may be estimated based on actual commodity consumption. For example, data from a SCADA system monitoring different aspects of a pipeline may be used to estimate invoice costs for retail commodity consumption. The commodity materials invoice system may be configured to present both estimated and actualized invoice data side-by-side, allowing users to make a direct comparison of the estimated and actualized invoice data.
    Type: Grant
    Filed: December 16, 2010
    Date of Patent: December 1, 2015
    Assignee: Air Liquide Large Industries U.S. LP
    Inventors: Elias Margonis, Charles Neely Harper
  • Patent number: 9189637
    Abstract: Embodiments of computer-implemented methods, systems, and non-transitory computer-readable medium having one or more computer programs stored therein are provided to transfer contents of transactional data between two or more networks configured to have different levels of network protection. Generated data barcodes can be decoded to produce contents of transactional data to be transmitted between two or more networks configured to have different levels of network security protection, and decoded contents of the transactional data can then be securely communicated back to the sender for comparison by generating validation barcodes to be decoded by the sender. Generated verification barcodes can then be decoded to produce verification data. Verification data can confirm success of the transmission of contents of transactional data encoded in the data barcodes. Decoded contents of transactional data can then be stored responsive to an indication of successful transmission.
    Type: Grant
    Filed: July 21, 2014
    Date of Patent: November 17, 2015
    Assignee: Saudi Arabian Oil Company
    Inventors: Paul Francis Mevec, Ibrahim A. Marhoon
  • Patent number: 9191804
    Abstract: Methods are disclosed for managing subscribe messages that are sent to various applications on behalf of a mobile device. The subscription manager determines which applications the mobile device can access and receives a notification that the mobile device has become registered with the network. It then communicates a subscribe message to one or more of the applications to which the mobile device has access so that the mobile device can communicate with the applications.
    Type: Grant
    Filed: February 10, 2010
    Date of Patent: November 17, 2015
    Assignee: Sprint Communications Company L.P.
    Inventors: Lyle W. Paczkowski, Farni B. Weaver, Nicolas A. Nehme Antoun
  • Patent number: 9189778
    Abstract: Methods and systems for conducting a secure transaction over a network using one or more gateway servers. The methods include receiving a request from a consumer, sending the request to a merchant, and receiving, from the merchant, a payment order associated with the request. The payment order is received via a merchant programmable user interface. The methods also include confirming the payment order to transform the payment order to a confirmed payment order, sending the confirmed payment order to a user, and receiving, from the user, a payment authorization associated with the confirmed payment order, and the payment authorization being received via a consumer programmable user interface. The payment authorization from the user includes a secure, encrypted, Internet Protocol (IP) message using encryption hashed with public and private key management. The methods also include performing a transaction in accordance with the payment authorization.
    Type: Grant
    Filed: May 27, 2015
    Date of Patent: November 17, 2015
    Assignee: Isys US, Inc.
    Inventor: Mohammed Sh. Al-Rashidi
  • Patent number: 9185234
    Abstract: Systems and methods for automated account mapping in a wireless subscriber billing system are disclosed. An external ID associated with a wireless client device is captured from a billable event communicated between a wireless client device and a wireless subscriber billing system. Then, the external ID is associated with a Subscriber ID (SID) used to communicate a billing request to an operator billing system.
    Type: Grant
    Filed: February 22, 2006
    Date of Patent: November 10, 2015
    Assignee: QUALCOMM Incorporated
    Inventors: Gerald Charles Horel, Michelle Klein, Phil Tien Nguyen
  • Patent number: 9170795
    Abstract: Disclosed are various embodiments for an ingestion process modifying digital items. A computing system receives an uploaded digital item configured to communicate with a testing server application when executed. The ingestion process reconfigures the digital item to communicate with a production server application when executed.
    Type: Grant
    Filed: June 13, 2014
    Date of Patent: October 27, 2015
    Assignee: Amazon Technologies, Inc.
    Inventors: Rahul Ravikumar, Chirag Anil Mehta, Michael R. Siwapinyoyos, Stephen C. Johnson, Sunbir Gill, Mayank Arvindbhai Patel
  • Patent number: 9171304
    Abstract: The methods and systems described herein provide for processing payments at a retail location whose infrastructure has been significantly removed from PCI scope. A request for processing payments may be sent from a point of sale lane to a back office server in communication with a credit card terminal. A user may use the credit card terminal to enter in secure payment information which is securely transmitted to a remote authorization service for authorization. Through this method, the credit card terminal and sensitive payment information may be securely isolated from the remaining infrastructure at the retail location.
    Type: Grant
    Filed: November 22, 2011
    Date of Patent: October 27, 2015
    Assignee: Aurus Inc.
    Inventor: Rahul Mutha
  • Patent number: 9152965
    Abstract: A method for inter-terminal payment and corresponding devices and computer programs loadable into said devices is disclosed. The method comprises a transfer of financial value from a payment device of a payer (PDPr) to a payment device of a payee (PDPe) with the assistance and the supervision of a trusted third party (TTP). Payment relevant data of the payee is transmitted to the payment device of the payer (PDPr) which triggers the transaction of financial value at the trusted third party (TTP) by a message. The trusted third party (TTP) releases a payment confirmation for the payer and the payee providing a status information on the financial transaction for the payer and the payee, respectively, and sends this information in a confirmation transmission procedure to the payment device of the payer (PDPr) and the payment device of the payee (PDPe), respectively.
    Type: Grant
    Filed: July 23, 2002
    Date of Patent: October 6, 2015
    Assignee: Telefonaktiebolaget L M Ericsson (Publ)
    Inventors: Cornelius Boylan, Ralf Keller, Guido Zavagli
  • Patent number: 9141946
    Abstract: Systems and methods may provide for implementing a dynamic payment service. In one example, the method may generate a request communication including purchase detail information relating to an item to request credit from a vendor to conduct a transaction relating to the item, determine a scope of credit to be issued to conduct the transaction relating to the item based on the purchase detail information, and generate a payment communication including the transaction information to complete the transaction relating to the item.
    Type: Grant
    Filed: April 17, 2012
    Date of Patent: September 22, 2015
    Assignee: Intel Corporation
    Inventors: Eli Kupermann, Jasmeet Chhabra, Irena Riji, Sanjay Bakshi
  • Patent number: 9130950
    Abstract: A telecommunication system that carries out telecommunication functions between multiple parties as initiated by the user interaction with a social network application, while maintaining privacy of the device identifiers (phone numbers or static IP addresses assigned to devices) of the participating parties.
    Type: Grant
    Filed: December 2, 2013
    Date of Patent: September 8, 2015
    Assignee: TELESOCIAL, INC.
    Inventors: William L. Waytena, Jr., Eric T. Stone
  • Patent number: 9129276
    Abstract: A method for inventory management. The method includes: obtaining a first invoice sent from a supplier to a first merchant; capturing, by a computer processor, a first set of inventory data from fields on the first invoice; updating a template for the supplier based on capturing the first set of inventory data, where the template includes locations of the fields on the first invoice; obtaining a second invoice sent from the supplier to a second merchant, where the second invoice includes the fields; and capturing, after updating the template and by the computer processor, a second set of inventory data from the fields on the second invoice using the template, where the second set of inventory data includes a quantity of a product purchased from the supplier, and where an inventory database of the second merchant is updated with the quantity of the product.
    Type: Grant
    Filed: November 2, 2011
    Date of Patent: September 8, 2015
    Assignee: Intuit Inc.
    Inventors: Jonathan David Fasoli, Amy M. Kerman, Brandon Gador, William Michael Dorsch
  • Patent number: 9123065
    Abstract: A service provider generates a customer key and a merchant key for facilitating efficient provision of assistance, by the merchant, with the customer's shopping and payment, via customer-merchant key coupling. When a customer approaches or enters a merchant's store the customer has signed up with, the user device carried by the customer wirelessly broadcasts a signal for the customer key unique to the merchant key. When the merchant server picks up the signal, the service provider communicates to the merchant server information in the user's profile including identifiers, shopping preferences, or the shopping history of the customer, subject to any user-created restrictions contained in the profile so that a sales clerk of the store may approach the customer to give recommendations, suggestions, or other assistance with shopping, based on the information.
    Type: Grant
    Filed: August 21, 2012
    Date of Patent: September 1, 2015
    Assignee: EBAY INC.
    Inventor: Lucy M. Zhao
  • Patent number: 9117242
    Abstract: A computer-implemented system and method includes receiving, from a mobile device, a request to initiate a transaction. The method includes receiving, from the mobile device, a selection of a stored value card from among a plurality of stored value cards as a payment option for the transaction. Additionally or alternatively, the method includes receiving value card information from the mobile device of a user and transferring funds from the balance of the value card to the merchant. The method includes reducing the balance of the value card by the amount of the transferred funds.
    Type: Grant
    Filed: April 25, 2012
    Date of Patent: August 25, 2015
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Stephen M. Ellis, Michael J. Kennedy, Ashish Bhoopen Kurani, Melissa Lowry, Uma Meyyappan, Bipin Sahni, Nikolai Stroke
  • Patent number: 9118780
    Abstract: The present invention is directed to an improved operations method for a wireless communication system. The improved business method, operations method, network and system of the present invention includes the steps of delivering cellular services to the mass market, reducing peak capacity, increasing overall capacity utilization, improving capital utilization, providing an “all-you-can-eat” pricing model, and designing capacity based upon where the users live, work, and play.
    Type: Grant
    Filed: December 13, 2013
    Date of Patent: August 25, 2015
    Assignee: Intel Corporation
    Inventors: S. Douglas Hutchenson, Michael Brink, Scot Jarvis
  • Patent number: 9105019
    Abstract: A method for depositing funds into a financial account. The method includes obtaining a deposit request by a point of sale (POS) terminal, where the deposit request includes a virtual account number and a deposit amount, where the deposit amount matches an amount of funds received; identifying a financial account number associated with the virtual account number; and depositing funds matching the deposit amount into a financial account corresponding to the financial account number.
    Type: Grant
    Filed: April 17, 2008
    Date of Patent: August 11, 2015
    Assignee: Intuit Inc.
    Inventor: Mohammad S. Faisal
  • Patent number: 9087192
    Abstract: According to one embodiment, an electronic circuit is described comprising a processing circuit configured to perform a data processing including a plurality of successive operations, wherein in at least some of the plurality of operations, a predetermined input value is processed; a check value memory; a controller configured to check, for each operation of the data processing performed by the processing circuit, whether the predetermined input value is processed in the operation, and, if the predetermined input value is processed in the operation, combine the predetermined input value to the content of the check value memory and a detector configured to check, when the processing is complete, whether the content of the check value memory is equal to a predetermined value.
    Type: Grant
    Filed: September 10, 2013
    Date of Patent: July 21, 2015
    Inventor: Bernd Meyer
  • Patent number: 9066222
    Abstract: A repeat payment computer system includes a merchant server and mobile billing operator server that are programmed for user acquisition through carrier billing and subsequent conversion to credit card billing. An advantage of the process is that the user does not have to enter credit card information for the default billing cycles to occur. The user only enters a phone number and password. Fewer barriers are provided for the user to become a regular repeat customer of the merchant server. The fees associated with mobile billing according to the default billing cycles have to be paid by the merchant server and may be too high in the long run. The merchant server can avoid the high fees associated with carrier billing by switching the user to billing according to the credit card information provided. The user is typically switched after the user has already become a regular customer.
    Type: Grant
    Filed: February 20, 2013
    Date of Patent: June 23, 2015
    Assignee: Boku, Inc.
    Inventors: Adam Lee, Jonathan P. Prideaux, Katherine Ann Corner, Samantha Elena Nebrich
  • Patent number: 9064246
    Abstract: A mobile payment services integration system is provided. The system comprises a computer system and an application, that when executed on the computer system, maintains a list of payment options associated with a portable electronic device. The system also authenticates an identity of the portable electronic device in connection with a first online purchase transaction with a first online merchant. The system also orders payment using one of the payment options to the first online merchant. The system also authenticates the identity of the portable electronic device in connection with a second online purchase transaction with a second online merchant, where the first online merchant is unaffiliated with the second online merchant. The system also orders payment using one of the payment options to the second online merchant.
    Type: Grant
    Filed: October 13, 2009
    Date of Patent: June 23, 2015
    Assignee: Sprint Communications Company L.P.
    Inventors: Keith Anderson, Christopher J. Bierbaum, Allison A. DiMartino, Kevin Zhu
  • Patent number: 9055431
    Abstract: A system for selecting and monitoring data plans for telecommunications systems, and methods of determining, learning and estimating usage patterns in-order to predict usage and tie this to cost and the overlaying of plan selection for cost optimization. Further, additional methods are applied to determine anomalous user behaviors and raise security and data leakage related events.
    Type: Grant
    Filed: July 10, 2013
    Date of Patent: June 9, 2015
    Assignee: TANGOE CANADA, INC.
    Inventors: Jaan Leemet, Daniel Rudich
  • Patent number: 9047636
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for dynamically determining an appropriate payment account for a transaction. Embodiments of the invention allow a user to receive a transaction request and subsequently the transaction is applied to the appropriate payment account. Applying the transaction to the appropriate payment account is based on the type of transaction, the payment accounts available to the user, financial institution considerations, financial plans of the user, customer plans of the user, etc. This invention allows a user to make a purchase at a point-of-sale and have confidence that the transaction will be implemented to the payment account that provides the best promotional benefits for the customer based on the customer's individual needs.
    Type: Grant
    Filed: February 25, 2011
    Date of Patent: June 2, 2015
    Assignee: Bank of America Corporation
    Inventor: Erik Stephen Ross
  • Patent number: 9047580
    Abstract: Embodiments of systems, methods, and computer-readable media for auditing electronic freight bills are disclosed. For example, one embodiment of the present invention is a method including the steps of receiving a first data source comprising a first set of data; receiving a second data source comprising a second set of data; generating a record comprising at least a portion of the first data set and at least a portion of the second data set; and conducting an audit of the record. In another embodiment, a computer-readable media comprises code for carrying out such a method.
    Type: Grant
    Filed: August 13, 2008
    Date of Patent: June 2, 2015
    Inventors: Phillip Marlowe, William Robbins
  • Publication number: 20150149352
    Abstract: A method for processing a transaction includes receiving a notification of a change in status of physical goods or other event in a physical supply chain, and automatically transferring funds in response to the notification. The automatic transfer of funds may be performed according to a stored rule for automatically transferring the funds in response to the notification. Typically, the goods and the event are related to the party to which the funds are transferred. If the funds are a portion of an agreed-upon payment, one or more additional notifications may be received for one or more additional changes in status of the goods or other events in the physical supply chain, and additional portions of the payment are transferred in response to each additional notification.
    Type: Application
    Filed: January 30, 2015
    Publication date: May 28, 2015
    Inventors: Michelle D. Nichols, Todd Atwood, James Heddleson
  • Publication number: 20150149350
    Abstract: A software- and/or hardware-based transaction manager that reflects the application program interface(s) and/or system(s) for establishing sessions used to commit to, rollback and/or execute multiple payments made pursuant to a single financial transaction. This is accomplished by sharing sessions through co-browsing, or by continuous event logging and maintaining synchronous payments across a group of users in order to support the lifecycle of each individual payment and session along with completion responsibility of the overall transaction.
    Type: Application
    Filed: June 20, 2014
    Publication date: May 28, 2015
    Inventors: Srihari N. Ananda Kumar, Lohith Ravi, Rajath Ramesh
  • Publication number: 20150149351
    Abstract: A transaction setting information storage part stores an upstream trader from whom an intermediary trader purchases a product identified by a product ID. A price storage part stores a first sales price and a second sales price. An order management part receives, from a downstream trader to whom the intermediary trader sells the product, an order of the product to the intermediary trader together with input of the product ID, a downstream trader ID of the downstream trader, and an order quantity of the product. A slip issuance processing part issues an order slip from the downstream trader to the intermediary trader, and issues an order slip from the intermediary trader to the upstream trader on the basis of the order quantity received by the order management part and the first sales price.
    Type: Application
    Filed: January 27, 2015
    Publication date: May 28, 2015
    Inventor: Yoshimitsu KAGIWADA
  • Publication number: 20150149349
    Abstract: A method and system of processing a sale of an article, a virtual article, a service or a functionality such as a game is described. A code is generated by a server. A charge request is transmitted to an account server to charge an account of a user for a value of the code. The code is transmitted to a user device. The code is then processed by redeeming the code, wherein redemption of the code includes receiving the code from a user device and in response allowing access to the user device to the article, virtual article, a service or a functionality.
    Type: Application
    Filed: November 26, 2013
    Publication date: May 28, 2015
    Applicant: BOKU. INC.
    Inventor: Adam Lee