Bill Distribution Or Payment Patents (Class 705/40)
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Patent number: 11694252Abstract: Provided herein are systems, methods and computer readable media for proving gift giving within a group. Consumers may register for a gift giving program, create a group and invite other consumers to participate. Group members may be randomly assigned to a group, or assigned to a group based on an invitation or indicated group. Relationships between gift givers and recipients within a group may be determined, such as in a randomized format. Gift givers may purchase a gift, such as a good or a promotion from a promotion and marketing service. The promotion and marketing service may assign the promotion to the recipient so that the recipient may redeem the promotion for a good, service, or experience. Promotions may be automatically purchased on behalf of a gift giver who fails to purchase the promotion by a gift-giving deadline.Type: GrantFiled: May 3, 2021Date of Patent: July 4, 2023Assignee: GROUPON, INC.Inventors: Natalia Moreira Porto Arantes, Victor de Freitas Valle Galante, Scott Rogers, Mark Christopher Webster, Fabio Fernandes Mignoto, Gabriel Matsuo Molinari Sakai
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Patent number: 11694190Abstract: In an example embodiment, the user initiates a digital wallet transaction at a point of sale (“POS”) terminal of a merchant system. The POS terminal receives payment account information options associated with the user's digital wallet account from the account management system to display to the user. The user selects one or more payment account information options via a user interface of the POS terminal. The account management system receives an indication of the user's one or more selections, generates one or more payment tokens based on the corresponding selected payment account information options, and transmits the one or more payment tokens to the POS terminal for use in a transaction. The POS terminal communicates with one or more issuer systems associated with the selected payment account information options to process the transaction using corresponding payment tokens. The user receives a transaction receipt at the POS terminal.Type: GrantFiled: August 28, 2020Date of Patent: July 4, 2023Assignee: GOOGLE LLCInventor: Harry Lee Butler, IV
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Patent number: 11694256Abstract: A method of activating a bank account comprises establishing, by the bank computer system upon receipt of a selection of the selectable link, a connection with a client device. The connection is established while the client device is located within a bank store location. The method further comprises transmitting first information for display on the client device via a graphical user interface (GUI), receiving customer information relating to activation of the bank account from the bank store computer, transmitting second information for display via the GUI where the second information is displayed subsequent to the first information and is configured to be displayed with an interactive slider component, receiving a customer input via the interactive slider component, and opening an account based on the customer information received from the bank store computer and the customer inputs received from the client device.Type: GrantFiled: October 19, 2021Date of Patent: July 4, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Miranda Hill, Christin Chan
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Patent number: 11695762Abstract: A heterogeneous device authentication system and method authenticate heterogeneous devices in various manners according to user environments. The heterogeneous device authentication system includes an authentication information matching device communication-connected with a plurality of heterogeneous devices and configured to match a plurality of user authentication information of different authentication means to the heterogeneous devices. The authentication information matching device includes a controller and a communication unit communication-connected with the heterogeneous devices.Type: GrantFiled: March 4, 2020Date of Patent: July 4, 2023Assignees: HYUNDAI MOTOR COMPANY, KIA MOTORS CORPORATIONInventor: Sung Un Kim
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Patent number: 11693547Abstract: A method for displaying an information graphic via an electronic user interface to integrate information from accounts held at a financial institution. In one embodiment, the method includes displaying a first graphic element to display first information associated with at least one first account and displaying a second graphic element to display second information associated with at least one second account. A dimension of the first graphic element is representative of the first information and a dimension of the second graphic element is representative of the second information. Displaying the second graphical element includes displaying a first portion of the second graphic element that is selectable to alternately virtually hide and display a second portion of the second graphic element.Type: GrantFiled: January 11, 2021Date of Patent: July 4, 2023Assignee: The PNC Financial Services Group, Inc.Inventors: Bryan L. Mackrell, Michael Scott Ley, Christine Johns, David Wisely Vondle, Chui-Ling Michelle Moy, Jennifer Marie Levin, Marieke Smets
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Patent number: 11693548Abstract: An information graphic displayable via an electronic user interface to integrate information from accounts held at a financial institution. In one embodiment, the information graphic includes a first graphic element to display first information associated with at least one first account and a second graphic element to display second information associated with at least one second account. A dimension of the first graphic element is representative of the first information and a dimension of the second graphic element is representative of the second information. A first portion of the second graphic element is selectable to alternately virtually hide and display a second portion of the second graphic element.Type: GrantFiled: January 11, 2021Date of Patent: July 4, 2023Assignee: The PNC Financial Services Group, Inc.Inventors: Bryan L. Mackrell, Michael Scott Ley, Christine Johns, David Wisely Vondle, Chui-Ling Michelle Moy, Jennifer Marie Levin, Marieke Smets
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Patent number: 11687638Abstract: In biometric ticketing, physical token-less ticketing system using biometrics, a person may be identified using a digital representation of a biometric. Ticketing information may be ascertained based on the identification. The ticketing information may be provided, actions may be performed using the ticketing information, and so on. In some implementations, a checkpoint device receives biometric data from a person. A digital representation of the biometric data is used to obtain an identifier from an identification system. The digital representation of the biometric data may not be included in the identifier. The identifier is used by to obtain ticketing information from a ticketing system. The person may be allowed or denied entry into a ticketed area based on the ticketing information.Type: GrantFiled: April 19, 2022Date of Patent: June 27, 2023Assignee: ALCLEAR, LLCInventors: Kenneth Cornick, Kevin Lupowitz, Matthew Snyder, Joe Trelin
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Patent number: 11687804Abstract: Computer-implemented methods and systems for quantifying appropriate machine learning model complexity corresponding to training dataset are provided. The method comprises monitoring, using one or more processors, N observed variables, v1 through vN, of a training dataset for a machine learning model; translating the N observed variables into m equisized bin indexes which generate mN possible equisized hypercells to estimate a fundamental dimensionality for the dataset; generating one or more samples by assigning a record in the dataset with numbers j through k as set id; generating a merged sample Si, for one or more values of the set id i, where i goes from j to k; and computing a fractal dimension of the equisized hypercube phase space based on count of cells with data coverage of at least one data point.Type: GrantFiled: June 30, 2020Date of Patent: June 27, 2023Assignee: Fair Isaac CorporationInventors: Scott Michael Zoldi, Shafi Ur Rahman
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Patent number: 11687893Abstract: A computer-implemented method for updating stored cardholder account data is provided. The method is implemented using an account updating server in communication with a memory. The method includes receiving, from an issuer computer system, cardholder account update information associated with a plurality of cardholder accounts, identifying a merchant associated with at least one of the plurality of cardholder accounts based, at least in part, on the cardholder account update information, generating a merchant update file for the identified merchant including the cardholder account update information for the at least one of the plurality of cardholder accounts, and transmitting the merchant update file.Type: GrantFiled: March 8, 2021Date of Patent: June 27, 2023Assignee: Mastercard International IncorporatedInventor: Sharon A. Rosano
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Patent number: 11687891Abstract: A computer is configured to facilitate prefunding a number of money transfer transaction fees. Each prefunded money transfer transaction fee is usable to pay for a transaction fee associated with a future money transfer send transaction. The computer is further configured to charge an amount for each prefunded money transfer transaction fee based on the number of money transfer transaction fees prefunded. A server connected to the computer is configured to store information related to the prefunded money transfer transaction fees.Type: GrantFiled: July 23, 2019Date of Patent: June 27, 2023Assignee: MoneyGram International, Inc.Inventors: Lorenzo Nardone, Shaun Buswell
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Patent number: 11679058Abstract: A universal tip adapter for a handheld massage therapy product is disclosed. The universal adaptor comprises a rigid body having a first end and a second end. The first end is formed with an internally threaded cavity for screwing with an external thread on the end of a handheld massage therapy product via a universal hub. The second end is formed with external threads for screwing with an internal threading of a massager head and/or consumer accessories, thereby enabling a user to securely and simply connect the universal adaptor to different massage heads and other consumer accessories to the massage therapy product. The second end of the universal adaptor is an external threaded section. The second end is configured to securely connect to the massager head and/or consumer accessories via the external threads. The universal adaptor is further configured to securely and simply connect to sexual pleasuring accessories.Type: GrantFiled: September 17, 2020Date of Patent: June 20, 2023Inventor: Thomas F. Pepe
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Patent number: 11682011Abstract: A processor of a transaction server may receive an authorization request prior to the authorization request being processed by a payment authorization system. The processor may identify at least one alternative to the authorization request being processed by the payment authorization system. The processor may receive a command to process the authorization request by the payment authorization system or to apply the at least one alternative. The processor may process the authorization request according to the command.Type: GrantFiled: April 9, 2018Date of Patent: June 20, 2023Assignee: Capital One Services, LLCInventors: Walter Avery Miller, Robert A. Martin, Mark Daniel Mouadeb
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Patent number: 11683361Abstract: Systems and methods to asynchronously transfer user-provided information upon user-provided permissions are disclosed. Exemplary implementations may receive a user-initiated request for one or more webpages from a user associated with a client computing platform; transfer a set of information to the client computing platform, wherein the set of information is usable to generate one or more presentations of the one or more webpages on the client computing platform; receive, from the client computing platform, user-provided information, wherein the user-provided information is based on a first item of user-provided personal information and on a second item of user-provided personal information that have been collected locally through the one or more presentations on the client computing platform, and wherein server-side receipt of the user-provided information occurs subsequent to the user providing permission for the transfer of the user-provided information; and/or other steps.Type: GrantFiled: September 15, 2022Date of Patent: June 20, 2023Assignee: Permissionize LLCInventors: Shannon Hansen, Thomas Cutshall
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Patent number: 11682222Abstract: A digital camera processing system with software to manage taking photos with a digital camera. Camera software controls the digital camera. A downloaded software component controls the digital camera software and causes a handheld mobile device to perform operations. The operations may include instructing a user to have the digital camera take photos of a check: displaying an instruction on a display of the handheld mobile device to assist the user in having the digital camera take the photos; or assisting the user as to an orientation for taking the photos with the digital camera. The digital camera processing system may generate a log file including a bi-tonal image formatted as a TIFF image.Type: GrantFiled: January 28, 2021Date of Patent: June 20, 2023Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATES (USAA)Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Michael Frank Morris, Reynaldo Medina, III, Greg Alan Harpel, Gabriel Glenn Gavia, Bharat Prasad, Frank Kyle Major, Jeffrey Neal Pollack
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Patent number: 11676147Abstract: Embodiments described herein disclose methods and systems for authenticating ownership of an account in real-time or near real-time so that a user can fund or open a new account without waiting for several days. The system enables an operator to select one or more methods for authentication from a group of candidate schemes. The candidate schemes include (1) a card-association-network scheme; (2) an account-aggregation scheme; and (3) a credit-bureau-integration scheme.Type: GrantFiled: March 17, 2021Date of Patent: June 13, 2023Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Jeffrey Walton Easley, Melanie Lynn Thompson, Brian Hurtak, Patrick Lugo
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Patent number: 11677827Abstract: Content categories are identified based on content provided by a server associated with an enterprise content management system. Using the relationship database, a content category is identified based on content associated with a client associated with a user, the content associated with the client associated with the user including content accessed by the user. A document associated with the content category is identified. A message is sent from the server to the client associated with the user to suggest to the user the document associated with the content category.Type: GrantFiled: April 5, 2022Date of Patent: June 13, 2023Assignee: OPEN TEXT CORPORATIONInventors: Gourav Mukherjee, Venkatesh Giriyappa, Saurav Choudhuri, Ravi Ranjan Jha
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Patent number: 11676202Abstract: An integrated transaction platform facilitates a transaction, such as a purchase of a vehicle or other item. The platform provides a pre-negotiated purchase price for the item to facilitate a transaction to purchase the item from a seller, the transaction being substantially frictionless from the buyer's perspective. The pre-negotiation can involve a reverse auction process in which sellers bid to sell the item to a buyer. After the buyer has identified a particular item for purchase, sellers that have the item available are notified to provide a bid indicating a price at which the seller is willing to sell the item. The lowest bid is selected, and a purchase agreement is finalized based on the lowest bid. After the agreement is finalized, the buyer can accept delivery of the item without further negotiation with the seller, and thus with substantially reduced friction compared to traditional purchase scenarios.Type: GrantFiled: April 15, 2021Date of Patent: June 13, 2023Assignee: United Services Automobile Association (USAA)Inventors: Brian Latronico, Teresa A. Mays, Claudia Anne Luna, David Anthony Phelps, Kevin W. Thornley, Tracy Lent, James Malcolm Spears
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Patent number: 11677823Abstract: The inventive subject matter provides apparatus, systems, and methods of pre-loading (or caching) activatable content to several mobile devices for future use by at least one of the mobile devices. The mobile devices are communicatively coupled with each other to form a distribute storage network. The pre-loaded content can be used by applications executed in any one of the mobile devices within the network. A content server is configured to transmit portions of the content to the mobile devices upon detection that a subset of conditions within the multi-conditional content activation criteria has been satisfied. The content server is configured to transmit the entire content when all conditions within the multi-conditional content activation criteria has been satisfied. The content server then activates the content when a content activation event is detected.Type: GrantFiled: July 28, 2020Date of Patent: June 13, 2023Inventor: Patrick Soon-Shiong
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Patent number: 11669367Abstract: Embodiments of the invention are directed to a system, method, or computer program product generation and analysis of real-time resource requests via a resource platform. A resource platform is provided for receiving and automating the management and processing of resource requests submitted by entities or users. The system embraces a fully digital approach to resource request processing, analysis, authentication, and reporting. In addition, the invention allows for analysis of reconciliation data of executed resource transfers for identification of useful trends that can be used for proactive accommodation of entity policies to align with perceived user preferences.Type: GrantFiled: April 1, 2020Date of Patent: June 6, 2023Assignee: BANK OF AMERICA CORPORATIONInventors: Joseph Benjamin Castinado, Paulette LaShon Bryant, Kathleen Hanko Trombley, Therese Humburg Willis, Paul Benton Murphy, Lee Ann Proud
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Patent number: 11669809Abstract: Intelligent vehicle repair estimating techniques include an image processing component that extracts image attributes from one or more images of a damaged vehicle, and utilizes the attributes to predict an initial set of parts that are globally-identified. Based on a jurisdiction associated with the damaged vehicle, the initial set of parts is transformed into a set of jurisdictionally-based repairs (e.g., parts, labor operations, time intervals, costs, etc.), which may be included in a draft vehicle repair estimate. An estimate refinement component iteratively modifies/refines the draft estimate using a machine-only loop nested within a larger human-machine loop, where system-generated modifications are incrementally incorporated into the draft within the smaller loop, and user-generated modifications are incrementally incorporated into the draft within the larger loop.Type: GrantFiled: February 1, 2021Date of Patent: June 6, 2023Assignee: CCC INTELLIGENT SOLUTIONS INC.Inventors: Ronald Nelson, John L. Haller, Christoph Plenio, Ehsan Mohammady Ardehaly, Ranjini Vaidyanathan
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Patent number: 11669821Abstract: A method for submission of payment transaction requests from a point of sale (POS) terminal to a financial institution includes reading payment information from a payment vehicle, reading financial institution routing information from the payment vehicle, reading a payment vehicle certificate from the payment vehicle, requesting consumer authentication information from a consumer, and submitting a payment transaction request to the financial institution using the financial institution routing information, a POS terminal certificate, and the payment vehicle certificate.Type: GrantFiled: August 19, 2021Date of Patent: June 6, 2023Assignee: Worldpay, LLCInventor: Coy Christensen
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Patent number: 11669837Abstract: Systems, methods and apparatus are disclosed for remote management of payment terminals. Public keys, or other security elements can be received from a certification authority and distributed to the payment terminals. A merchant, or other entity affiliated with the payment terminals, can monitor the status of the software and security elements of the payment terminals.Type: GrantFiled: March 25, 2021Date of Patent: June 6, 2023Assignee: Worldpay, LLCInventors: Erik William Baar, Patricia Lynn Walters
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Patent number: 11669820Abstract: A method may include: causing a point-of-sale terminal processing a transaction to display a machine-readable code, the machine-readable code encoding a web address; receiving a request from a device that scanned the machine-readable code, the request received at the web address; in response to receiving the request, causing the device that scanned the machine-readable code to output an interface; receiving, through the interface, an input of an indication to separate the transaction into multiple transaction parts and one or more parameters indicating how the transaction is to be separated; and sending, to the point-of-sale terminal, a message that configures the point-of-sale terminal to separate the transaction in accordance with the one or more parameters.Type: GrantFiled: January 8, 2021Date of Patent: June 6, 2023Assignee: The Toronto-Dominion BankInventors: David Samuel Tax, Milos Dunjic, Derek Richard Castell, Anthony Haituyen Nguyen, Bryan Michael Gleeson, Jeffrey Aaron Ecker
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Patent number: 11663565Abstract: In some examples, a system generates an identifier for association with a user financial account. The identifier may have a syntax including a currency indicator and a string including one or more characters concatenated together such that the currency indicator appears immediately before the string. The system generates a user-defined identifier and maps, in a database, the user-defined identifier to the user financial account. The system receives a message indicating an intent to transfer funds from a sending user to a receiving user. The message may include the user-defined identifier in lieu of account information of the user financial account, to identify the user as the receiving user. The system parses the message to identify the user-defined identifier and accesses the account information of the user financial account using the identifier. The system initiates a transfer of funds from the sending user account to the user financial account.Type: GrantFiled: October 8, 2021Date of Patent: May 30, 2023Assignee: BLOCK, INC.Inventors: Brian Grassadonia, Jesse Wilson, Ayokunle Omojola, Robert Andersen
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Patent number: 11663875Abstract: A controlled dispensing system includes a dispensing fixture having or in communication with a display screen, a scanning device communicatively coupled to the dispensing fixture, one or more processors and memory storing one or more programs including instructions for obtaining one or more identifiers of one or more respective controlled products, determining whether the one or more controlled products meet a bulk limit for dispensing, obtaining identification information, determining whether the identification information meets an age threshold and/or an identity requirement associated with the one or more controlled products; and in accordance with a determination that the bulk limit is met, and the age threshold and/or identity requirement is met, transmitting a dispensing instruction to the dispensing fixture to dispense the one or more controlled products.Type: GrantFiled: September 18, 2020Date of Patent: May 30, 2023Assignee: PAYRANGE INC.Inventors: Paresh K. Patel, Srinivas Annam
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Patent number: 11663568Abstract: In embodiments, methods and systems for implementing payment interface services using a payment platform are provided. Multiple payments types are integrated into the payment platform to support customer payments for merchants. The payment platform identifies payment types that are relevant to a customer based on receiving an indication to personalize payment types for the customer, and on customer data resources that are accessed. One or more relevant payment types are determined based on the information of the customer. The payment types for the customer are determined from a plurality of payment types supported via the payment platform that supports customer payment type personalization. A payment type from the one or more payment types relevant to the customer is automatically chosen or explicitly chosen by the customer, such that a corresponding payment type provider authenticates the customer in order to complete the transaction.Type: GrantFiled: March 12, 2021Date of Patent: May 30, 2023Assignee: STRIPE, INC.Inventors: Christian Anderson, Stanislas Polu
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Patent number: 11663655Abstract: Disclosed embodiments include systems and methods for improving the accuracy of online banking systems. In various embodiments, the system includes a user device capturing receipt information from one or more e-commerce application and a server device for associating captured receipt information with transaction data. The system may include a browser extension for facilitating automatic capture of receipt information and a matching module for associating receipt information with transaction data. In various embodiments, transactions displayed in transaction statements within an online banking application are augmented with item level data including product name, price, and vendor for each product included in a transaction.Type: GrantFiled: July 3, 2019Date of Patent: May 30, 2023Assignee: Capital One Services, LLCInventors: Abdelkader M'Hamed Benkreira, Joshua Edwards, Adam Vukich
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Patent number: 11663564Abstract: Methods and systems are disclosed for transactions with a private digital currency. The private e-currency may be backed by a financial institution, managed using a blockchain, and only available for transactions with members of a network associated with the financial institution. The members may include mobile wallets, merchants and ATM's. A mobile wallet may register with the network and receive an amount of the private e-currency from the financial institution. The mobile wallet may establish a connection with a payment recipient such as another wallet, an ATM or a merchant, and receive a payee address. The mobile wallet may send a transaction request to the blockchain for payment to the payee address of a payment amount of the private e-currency, so that the payment recipient can, using a blockchain, confirm or deny the transaction request.Type: GrantFiled: July 31, 2020Date of Patent: May 30, 2023Assignee: Wells Fargo Bank, N.A.Inventor: Joon Maeng
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Patent number: 11663647Abstract: In an embodiment, a computer-implemented method operating at a server system is disclosed. The method includes associating business rules with a plurality of users, displaying a catalog item to a respective user of the plurality of users in accordance with the respective business rules associated with that user, and generating a purchase order for the displayed catalog item. Related methods and systems are also disclosed.Type: GrantFiled: July 2, 2019Date of Patent: May 30, 2023Assignee: SciQuest, Inc.Inventors: Charles A. Ballaro, Alexey Lef
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Patent number: 11663575Abstract: There are provided systems and methods for time sensitive geo-location data for push notifications after shared transaction processing. A user may utilize a communication device to perform electronic transaction processing for a group of users at a location. The device may be geo-location enabled so that a service provider may detect a location of the device. Based on the geo-location of the user at the time of processing and other nearby geo-location enabled device, the service provider may determine other users that share in the transaction and are associated with the user using messaging connections and shared data transmissions. The service provider may determine the transaction that the user processed. The service provider may request that the other users provide the required reimbursement to the user that processed the transaction data. The other users' devices may receive a push notification and data to perform transaction processing.Type: GrantFiled: November 16, 2020Date of Patent: May 30, 2023Assignee: PAYPAL, INC.Inventors: Brandon Alexander Tineo, Lorenz Lee Breu
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Patent number: 11663587Abstract: Systems and methods may generally include sending an executable application, which when executed, automatically causes a monetary transfer. An example method may include performing, at a first user device, a handshake with a second user device, receiving, during the handshake, an operating capability of the second user device, and configuring, based on the operating capability of the second user device, an executable application, which when executed, automatically causes a monetary transfer to occur. The configured executable application may be sent to the second user device for execution.Type: GrantFiled: April 24, 2020Date of Patent: May 30, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Chris Theodore Kalaboukis, Joon Maeng, Ramanathan Ramanathan, Abhijit Rao, Abhijit Shetti
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Patent number: 11663591Abstract: A request for payment message is received. The message includes transaction data. A transaction identifier is generated. The transaction data is stored in association with the transaction identifier. The transaction identifier is transmitted to an acquirer bank. A request to retrieve data is received from a payer's bank. The request to retrieve data includes the transaction identifier. At least some of the transaction data is transmitted to the payer's bank. A confirmation is received from the payer's bank. The confirmation indicates that a real-time payment has been made in accordance with the request for payment message.Type: GrantFiled: April 10, 2019Date of Patent: May 30, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Irina Singh, Shanthan Subramaniam, Sandeep Malhotra
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Patent number: 11663603Abstract: Mobile communications devices, systems and methods are provided for identifying a risk of fraudulent activity associated with a merchant before a user executes a transaction with the merchant. In an embodiment, a mobile communications device obtains first information identifying prior instances of fraudulent activity associated with a merchant. The mobile communications device may determine a level of risk of fraudulent activity associated with the merchant based on the obtained first information, and may identify, based on the determined risk level, one or more payment instruments and associated incentives appropriate for financial services transactions involving the merchant. The mobile communications device may present, to a user, a notification including the identified payment instruments and associated incentives prior to execution of a transaction between the user and the merchant.Type: GrantFiled: September 4, 2019Date of Patent: May 30, 2023Assignee: The Toronto-Dominion BankInventors: Salim Jivraj, Lauren Van Heerden, Michael D. Cummins, Prabaharan Sivashanmugan, Gerald Jeschke, Andrew Chak, Mike Stephenson, Paul Mon-Wah Chan, John Jong Suk Lee, Orin Del Vecchio
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Patent number: 11657667Abstract: A controlled dispensing fixture including a display screen, a scanning device, and one or more processors is configured to: obtain via the display screen or remote scanner a selection of one or more controlled products; update a user interface on the display screen based on the selection; determine whether the one or more controlled products meet a purchase limit associated with the one or more controlled products for dispensing; obtain via the scanning device consumer identification information; determine whether the consumer identification information meets an age threshold and/or an identity requirement associated with the one or more controlled products; and in accordance with a determination that (i) the one or more controlled products meet the purchase limit for dispensing, and (ii) the consumer identification information meets the age threshold and/or the identity requirement, transmit a dispensing instruction to the dispensing fixture to dispense the one or more controlled products.Type: GrantFiled: September 8, 2021Date of Patent: May 23, 2023Assignee: PAYRANGE INC.Inventors: Paresh K. Patel, Srinivas Annam
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Patent number: 11657421Abstract: A method for facilitating transactions is provided. Various users register their payment modes to avail a payment mode interchange service offered by a server for online purchases. During registration, the users specify corresponding offer amounts in exchange for allowing purchases of other users to be performed by using their payment modes. When an offer on a purchase is not applicable on a payment mode of a first user, the first user is recommended by the server to make the purchase by using a payment mode of a second user on which the offer is applicable. The payment mode of the second user is charged with a purchase amount of the purchase and the offer amount specified by the second user is billed on the payment mode of the first user. The second user receives the offer amount and the first user receives an incentive associated with the offer.Type: GrantFiled: April 7, 2022Date of Patent: May 23, 2023Assignee: Mastercard International IncorporatedInventors: Rahul Agrawal, Sudhir Gupta, Harsh Piparsaniya
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Patent number: 11657435Abstract: An information processing system includes a first apparatus, a second apparatus providing a service for fee, and a server. The first apparatus transmits, to the server, identification information and settlement destination information in an associated form, the identification information identifying use of the service, the settlement destination information stored on the first apparatus and identifying a settlement destination of a usage fee for the use of the service. The second apparatus transmits to the server the identification information and fee information in an associated form, the fee information indicating the usage fee for the use identified by the identification information. The server settles the usage fee indicated by the fee information at the settlement destination identified the settlement destination information associated with the identification information.Type: GrantFiled: March 2, 2020Date of Patent: May 23, 2023Assignee: FUJIFILM Business Innovation Corp.Inventors: Dawei Yang, Takuya Deguchi
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Patent number: 11651352Abstract: A user can associate a digital asset corresponding to a value with a transaction device to be used by another user. For example, a first user can load a digital asset corresponding to a cryptocurrency amount onto a transaction device, where the first user then provides the transaction device to a second user. The second user can utilize the cryptocurrency amount on the transaction device to conduct a transaction. The generation and use of digital assets can be managed using ledgers that store data in the form of block chains.Type: GrantFiled: July 15, 2016Date of Patent: May 16, 2023Assignee: Visa International Service AssociationInventors: Sivanarayana Gaddam, Gyan Prakash, John Arendt
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Patent number: 11651423Abstract: An apparatus for processing trading orders comprises a memory and a processor. The memory stores a first order and a second order. The first order is associated with a product and comprises a displayed quantity and a reserved quantity. The second order is associated with the product and comprises a displayed quantity and a reserved quantity. The processor is coupled to the memory and receives a counterorder associated with the product. The processor fills the displayed quantity of the first order with a corresponding portion of the counterorder, and fills the displayed quantity of the second order with a corresponding portion of the counterorder. The processor allocates a first additional portion of the counterorder to the first order. The first additional portion is based at least in part on a ratio of the displayed quantity of the first order to a sum of the displayed quantity of the first order and the displayed quantity of the second order.Type: GrantFiled: August 12, 2021Date of Patent: May 16, 2023Assignee: BGC PARTNERS, INC.Inventors: Matthew W. Claus, Kevin M. Foley, Joseph C. Noviello, Howard W. Lutnick
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Patent number: 11651340Abstract: Controlling provision of a set of utilities by a financial institution. The method includes receiving, by a processor of a financial institution computing system associated with a financial institution, utility usage information from a set of utility meters associated with a plurality of customers of the utility company. The method includes determining a utility account balance for a customer of the plurality of customers based at least in part by an aggregate amount of utility usage used by the plurality of customers for a billing cycle by aggregating the received utility usage information for the billing cycle. The method includes determining that the utility account balance exceeds a threshold permitted past due amount. The method includes sending a stop signal to a utility meter associated with the customer, the stop signal instructing the utility meter to cut off provision of the utility to a property serviced by the utility meter.Type: GrantFiled: May 24, 2021Date of Patent: May 16, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Daniel David, Andrew J. Garner, IV, Rajib Roy
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Patent number: 11651426Abstract: Several credit score management user interfaces that may comprise a credit score thresholds user interface, a credit score alert settings user interface, and several credit score alert notification user interfaces, enable a consumer to set and/or adjust credit score goals and warnings, and credit score alert settings. The credit score threshold visual interface may present one or more credit score thresholds (for credit score goals and/or warnings) for the consumer on a line graph. The consumer may set and/or adjust the credit score thresholds based on touch input. The user interfaces may be updated automatically in real-time in response to the touch input. Alerts may be generated and provided to the consumer based on alert settings, changes to the consumer's credit information, the credit score thresholds, and/or macroeconomic events or factors.Type: GrantFiled: August 16, 2021Date of Patent: May 16, 2023Assignee: Consumerlnfo.com, Inc.Inventors: Jeremy Wasser, Michelle Felice-Steele, Melinda Nies, Luke Giltner
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Patent number: 11645657Abstract: A method for optimizing transaction authorization conversion rates using measured feedback includes retrieving payment transaction parameters and authorization results for a plurality of past payment transactions from a database, generating a transaction success model comprising authorization success factors for each of a plurality of payment transaction parameters using data science methods for statistical inference based on the retrieved payment transaction parameters and authorization results, receiving, at an acquirer processor, a payment transaction from a merchant, modifying one or more parameters of the payment transaction according to the generated transaction success model, and submitting the modified payment transaction to a financial institution for processing.Type: GrantFiled: April 30, 2021Date of Patent: May 9, 2023Assignee: Worldpay, LLCInventors: William H. Cohn, Sayid Shabeer, Ned Canning
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Patent number: 11640606Abstract: The disclosed embodiments provide systems and methods for providing real-time warnings to merchants for data breaches. For example, the system may include one or more memory devices storing instructions and one or more processors configured to perform operations consistent with this disclosure. The operations may include collecting and storing transaction authorization requests from one or more merchants. The transaction authorization requests may include a virtual account number associated with an account, the virtual account number being previously bound to a merchant and reusable only for the bound merchant. The operations may further include detecting an event at the bound merchant based on, for example, a transaction authorization request having a mismatch between a transacting merchant and the bound merchant. The operations my further include communicating notification of the event through a communication interface with the bound merchant.Type: GrantFiled: October 31, 2019Date of Patent: May 2, 2023Assignee: Capital One Services, LLCInventors: Philip Spiegel, Noble Ozoka, Varun Gupta, Michael Snyder, Matthew Reedy, Allison Fenichel
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Patent number: 11636523Abstract: Invoice determination system for determining an invoice for at least an item bought by a client providing at least a means for measurement linked to the at least one item, a first processing means connected to a first memory storing a client database, and a second processing means connected to a second memory storing a supplier database, each item being identified by a unique identifier, the first and second processing means being configured to execute a process providing the necessary steps in order to emit an invoice including the price to be charged to the client.Type: GrantFiled: August 28, 2020Date of Patent: April 25, 2023Assignee: Aktiebolaget SKFInventors: Michael Emmert, Wolfgang Glaentz, Sebastian Ziegler
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Patent number: 11636481Abstract: Aspects of the disclosure relate to cash handling devices that provide intelligent monitoring and management of cash cycles. A cash handling device having at least one processor, a communication interface, and memory may receive, from a mobile device, a request to process a pre-staged transaction. Subsequently, the cash handling device may generate and present a graphical identifier based on the mobile device requesting access to the cash handling device. Next, the cash handling device may verify that the mobile device is authorized to perform the pre-staged transaction based on the graphical identifier being scanned by the mobile device and cause a connection to be established between the cash handling device and the mobile device. Thereafter, the cash handling device may identify and process the pre-staged transaction associated with the mobile device. Then, the cash handling device may generate a notification indicating completed processing of the identified pre-staged transaction.Type: GrantFiled: May 11, 2021Date of Patent: April 25, 2023Assignee: Bank of America CorporationInventors: Paul Martin Mattison, Sr., Matthew E. Williams, Carl Parziale, Pavan Singaraju, Anne Price, David Smiddy, Brandon Kozlowski, Jennifer Raley
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Patent number: 11631099Abstract: Systems, computer program products, and methods are described herein for recurring auxiliary resource distribution. The present invention may be configured to detect a trigger event associated with a plurality of sources, where the plurality of sources includes a standard source and an auxiliary source, and where the plurality of sources is associated with a user. The present invention may be configured to transform, using a resource transformation engine and based on the trigger event, a first amount of auxiliary resources in the auxiliary source to a second amount of standard resources, deduct the first amount of auxiliary resources from a first balance of the auxiliary source, and add the second amount of standard resources to a second balance of the standard source. The present invention may be configured to perform a resource distribution using the second amount of standard resources from the standard source.Type: GrantFiled: July 20, 2020Date of Patent: April 18, 2023Assignee: BANK OF AMERICA CORPORATIONInventors: Charles Jason Burrell, Justin Riley duPont, Michael Robert Hasslinger, John Allen Sellers, Tony England, Christina Ann Lillie
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Patent number: 11631070Abstract: Described are a system, method, and computer program product for processing a transaction as a push payment transaction. The method may include receiving, with a payment gateway processor, a transaction request from a merchant system. The transaction request may include transaction data associated with a payment device of a user, the payment device being associated with an issuer system. The method may also include generating, with the payment gateway processor, an authentication request based on the transaction data. The method may further include communicating, with the payment gateway processor, the authentication request to the issuer system. The method may further include, in response to the issuer system authenticating the authentication request, generating a push payment request including an account identifier associated with the merchant system, and communicating the push payment request to the issuer system.Type: GrantFiled: January 24, 2020Date of Patent: April 18, 2023Assignee: Visa International Service AssociationInventors: Sandeep Tharoor, Malayamkumarath Sreedharan Manikandan
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Patent number: 11632579Abstract: Systems and methods for generating bill pay requests via an internet-enabled video displaying device are described. The transaction generating system presents users with the option to generate a bill pay request to vendors of products and/or services while the user is passively consuming video content. As video content relating to a given product or service is displayed, a notification invites the user to generate a bill pay request. The user can then use the internet-enabled video displaying device to generate and send a request to transfer funds to the vendor.Type: GrantFiled: August 10, 2020Date of Patent: April 18, 2023Inventors: Bipin M. Sahni, Balinder Mangat, David Hatch
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Patent number: 11625375Abstract: Methods, systems, and computer-readable media for batch processing with random access for transaction history are disclosed. A batch processing system receives a batch comprising records of events, including a first record of a first event and a second record of a second event. The system assigns the first and second records to a group based (at least in part) on determining that the events are related. The system determines that the group is related to a match set comprising one or more prior events. The system updates one or more values in the match set based (at least in part) on the first and second records. The system stores the updated match set and one or more additional match sets using a storage object. The system retrieves the match set and not the one or more additional match sets from the storage object using an index.Type: GrantFiled: November 25, 2020Date of Patent: April 11, 2023Assignee: Amazon Technologies, Inc.Inventors: Ryan Schwartz, Boyang Tom Jin, Abhishek Sahay, Nicholas Leong, Desmond Zhou, Yuan Bian, Jean-Christophe Libbrecht, Yiu Pong Lam, Hyun Jung Cho, Douglas Baldwin Dance, Rong Wang, Victoria Wong
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Patent number: 11625773Abstract: Systems and methods for providing a separate interest rate for an individual transaction are disclosed. A system may provide a service associated with a account having an account balance and an associated first interest rate. The system may include a service device having one or more memory devices storing instructions and one or more processors configured to execute the instructions to perform a separate interest rate service process. The process may include providing a separate interest rate service offer to a client device and receiving a separate interest rate selection from the client device. The process may also include determining a selected portion of the account balance corresponding to an amount to which a second interest rate, different from the first interest rate, is to be applied based on the separate interest rate selection.Type: GrantFiled: April 12, 2021Date of Patent: April 11, 2023Assignee: Capital One Services, LLCInventors: Marcie Apelt, Megan Edds, Keith Barron, Ashley Gibbs, Matthew Vischulis, Carl Ashby, Baining Hu, Yi Liu, David Schardt
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Patent number: 11625716Abstract: A device may configure a browser to permit cash payments for online transactions. The device may monitor a browser session of the browser. The device may detect, during the browser session, navigation of the browser to a transaction page of a website. The transaction page may be configured to facilitate an online transaction with the website. The device may determine, based on detecting the navigation of the browser to the transaction page, that a cash payment is to be provided. The device may cause a validation code to be generated. The device may cause, based on the validation code being processed, a virtual transaction card to be generated. The device may facilitate, using virtual card information associated with the virtual transaction card, execution of the online transaction.Type: GrantFiled: July 31, 2020Date of Patent: April 11, 2023Assignee: Capital One Services, LLCInventors: Adam Vukich, Sarah J. Cunningham, Tyler Maiman, Michael Mossoba, Leeyat Bracha Tessler, Bryant Yee