Bill Distribution Or Payment Patents (Class 705/40)
  • Patent number: 11620652
    Abstract: Systems, methods, and apparatuses for implementing user customizable risk management tools with statistical modeling and a recommendation engine within a computing environment are provided. A system may include, for example, means for evaluating the performance of a user rule for fraud prevention, in which the system receives a plurality of purchase transactions for the user; analyzes each purchase transaction received to generate a fraud likelihood score; receives the rule that specifies conditions when the system is to accept or reject transactions regardless of the fraud likelihood score generated by the system; transmits a historical analysis to the user based on the received rule; receives an input from the user to activate the rule; monitors performance of the rule; and transmits a recommendation to the user to retain or cancel the activated rule based on the monitored performance. Other related embodiments are disclosed.
    Type: Grant
    Filed: December 11, 2020
    Date of Patent: April 4, 2023
    Assignee: STRIPE, INC.
    Inventors: Michael Manapat, Isaac Hepworth, Tara Seshan, Mike Towber
  • Patent number: 11615407
    Abstract: A system to process virtual credit card (VCC) payments automatically is provided. Electronic delivery of VCC payment information may be transferred as electronic data representing a VCC payment to the seller (e.g., an email). Data exchange methods for VCC payments include application programming interfaces (APIs), email, files, etc. Secure processing is provided via an environment that meets rigorous security standards (e.g., Payment Card Industry (PCI) data security standards). Credentials of the sending entity establish the context that allows the system to associate the data received with the correct buyer and seller. Authentication may be provided within the context of the data transferred. Authentication may also use the sender's email address to validate the sender using a digital signature of the email contents. The system may combine digital signature validation of an email with a validation of a sending entity using the DomainKeys Identified Mail (DKIM) email authentication protocol.
    Type: Grant
    Filed: March 1, 2022
    Date of Patent: March 28, 2023
    Assignee: HighRadius Corporation
    Inventors: Deepanjan Chattopadhyay, Srinivas Rapaka, Manideep Bikkina, Harish Potabathula
  • Patent number: 11610294
    Abstract: Apparatuses, systems, methods, and computer program products are presented for a propensity module based optimization. An apparatus comprises a processor and a memory that stores code executable by the processor to receive an electronic submission for a pass/fail interface, identify information from the electronic submission to suggest to a user for entering into an input field for the pass/fail interface prior to submitting the electronic submission to the pass/fail interface to reduce a likelihood that the electronic submission will be rejected at the pass/fail interface, determine the likelihood that the electronic submission will be accepted by the pass/fail interface, and submit the electronic submission to the pass/fail interface in response to the likelihood satisfying a threshold.
    Type: Grant
    Filed: October 20, 2020
    Date of Patent: March 21, 2023
    Assignee: MX TECHNOLOGIES, INC.
    Inventors: Brandon Dewitt, Ryan McBride, Shane Smit, Josh Bodily
  • Patent number: 11610205
    Abstract: Examples described herein relate to apparatuses and methods of detecting fraudulent activity at an automated teller machine (ATM) using a machine learning model. A method includes receiving ATM activity data indicative of one or more withdrawal transactions at one or more ATMs using a transaction card, receiving transaction data and ATM data, ingesting the transaction data and the ATM data, analyzing the ingested transaction data and the ingested ATM data using a machine learning model, determining that the ingested transaction data and the ingested ATM data indicate a likelihood of fraudulent activity using the machine learning model, and performing, using the machine learning model, one or more remedial actions based on the determined likelihood of fraudulent activity.
    Type: Grant
    Filed: May 21, 2019
    Date of Patent: March 21, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Eliza Fain, Dilip Menon, Prasanth Nandanuru, Paramdeep Singh, Jimmy C. Wang
  • Patent number: 11605074
    Abstract: A technique for improving the security of a portable consumer device may include storing a first account identifier and a second account identifier associated with the first account identifier, the second account identifier and the first account identifier being associated with the same account on the portable consumer device. When the portable consumer device is interacting with a reader device to conduct a transaction, the portable consumer device may determine whether the transaction is a proximity transaction by sensing whether a wireless interrogation signal is being transmitted from the reader device, and determine which of the first account identifier and the second account identifier to provide to the reader device based on whether the transaction is a proximity transaction.
    Type: Grant
    Filed: January 11, 2021
    Date of Patent: March 14, 2023
    Assignee: VISA U.S.A. Inc.
    Inventors: Patrick Gauthier, Brian Maw, Patrick Faith, Barbara Patterson
  • Patent number: 11605131
    Abstract: An investment manager engine automatically manages an investment fund. During an accumulation phase, the investment manager receives messages that include contributions to the investment fund. For each contribution, the investment manager determines an allocation of the contribution among securities and guaranteed income assets. The investment manager allocates at least a portion of the contribution to guaranteed income assets, according to the determined allocation. The guaranteed income assets provide a guaranteed annual income stream upon a predetermined date.
    Type: Grant
    Filed: February 12, 2020
    Date of Patent: March 14, 2023
    Assignee: BlackRock, Inc.
    Inventors: Matthew O'Hara, Daniel Yem, Daniel Basile
  • Patent number: 11605303
    Abstract: Methods, apparatuses, systems, and computer program products are disclosed for determining a flight plan. An example method includes determining one or more potential flight plans from an originating location to a destination location, each potential flight plan comprising a different combination of one or more flight plan segments forming a potential flight plan from the originating location to the destination location. The method further includes calculating a projected cost for each of the one or more potential flight plans wherein the projected cost is based at least in part on dynamic cost data, dynamic navigation data, or a combination thereof. The method further includes determining an optimal flight plan from among the one or more potential flight plans, the optimal flight plan having a lowest aggregate cost of the calculated projected costs associated with each of the one or more potential flight plans.
    Type: Grant
    Filed: February 11, 2021
    Date of Patent: March 14, 2023
    Assignee: Honeywell International Inc.
    Inventors: Kiran Mancheiah Venkataramana, Mohan Gowda Chandrashekarappa, Saikrishna Nadipalli, Seemakruthi Sahithya, Vijaykumar Patil, Fiyaz Chaneparambil Razack, Purushothama C
  • Patent number: 11599444
    Abstract: Methods and systems are described herein for integrating model development control systems and model validation platforms. For example, the methods and systems discussed herein recite the creation and use of a model validation platform. This platform operates outside of the environment of the independently validated models as well as the native platform into which the independently validated models may be incorporated. The model validation platform may itself include a model that systematically validates other independently validated models. The model validation platform may then provide users substantive analysis of a model and its performance through one or more user interface tools such as side-by-side comparisons, recommended adjustments, and/or a plurality of adjustable model attributes for use in validating an inputted model.
    Type: Grant
    Filed: February 3, 2022
    Date of Patent: March 7, 2023
    Assignee: Capital One Services, LLC
    Inventors: Yu Lin, Qian Shen, Zhenyu Liu, Kai Zhang, Kangning Li, Yanni Ding, Jie Tang, Piero Monteverde
  • Patent number: 11599878
    Abstract: A computer-implemented method for identifying errors in transaction messages associated with payment transactions. The method includes a step of receiving a transaction message associated with a financial transaction, whereby the financial transaction originates from a merchant and is processed by an acquirer. The transaction message comprises a plurality of data element fields, with at least one of the data element fields being a merchant identification field used to identify the merchant originating the financial transaction. An additional step includes performing an error-identification routine on the transaction message, with the error-identification routine including analyzing a merchant identification (ID) data element populated in the merchant identification field to determine if the merchant ID data element is not uniquely associated with the merchant.
    Type: Grant
    Filed: December 19, 2018
    Date of Patent: March 7, 2023
    Assignee: Mastercard International Incorporated
    Inventors: Jason A. Thomas, Kyle T. Williams, David J. Senci
  • Patent number: 11599862
    Abstract: A computing device includes a processing resource, a memory resource, and computer-executable instructions stored thereon and embodied in a biller exchange bill pay application. The instructions, when executed by the processing resource, cause the computing device to receive, from a remote computing system, a data set comprising a plurality of billers. Each of the plurality of billers is subscribed to a biller exchange structured to allow each of the plurality of billers to deliver and receive payment on customer bills via a biller exchange computing system. A user-interactive page comprising at least one user-interactive control is generated and displayed on the computing device. The user-interactive control includes at least one property dynamically populated based on the data set comprising the plurality of billers (such as, for example, a property binding the user-interactive control to the data set).
    Type: Grant
    Filed: December 5, 2019
    Date of Patent: March 7, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Alan W. Hecht, Sotirios Barkas, Ann M. Kirk, Peter Rozovski, Peter L. Shen, Chate Yap
  • Patent number: 11593773
    Abstract: This disclosure describes, in part, techniques for validating a money transfer request between a sender and a recipient via challenge questions. For instance, the method includes determining, by a payment service system, a level of risk associated with the money transfer request between the sender and the recipient; in response the level of risk being higher than a threshold, obtaining a query for the recipient, wherein the query is based at least on the current money transfer request or one or more past requests between the sender and recipient; receiving, from the recipient device, a response to the query; and validating the current payment transaction based on the response.
    Type: Grant
    Filed: March 31, 2017
    Date of Patent: February 28, 2023
    Assignee: Block, Inc.
    Inventors: Timothy Yip, Brian Mullins
  • Patent number: 11593785
    Abstract: According to one or more embodiments, a settlement apparatus includes a processor. The processor detects a state of the settlement apparatus related to execution of settlement processing at the settlement apparatus using a plurality of settlement methods. The processor determines, based on the detected state of the settlement apparatus, whether there is a first settlement method among the plurality of settlement methods which cannot be executed at the settlement processing apparatus. The processor then notifies a customer of settlement method information indicating the first settlement method cannot be executed at the settlement processing or that another settlement method, other than the first settlement method, can be executed at the settlement apparatus instead of the first settlement method.
    Type: Grant
    Filed: January 20, 2021
    Date of Patent: February 28, 2023
    Assignee: Toshiba Tec Kabushiki Kaisha
    Inventor: Shinji Nakatake
  • Patent number: 11593798
    Abstract: A new approach is proposed to support instant merchant activation for secured in-person payment at a point of sale (POS) of a merchant. When a customer initiates an in-person payment request at a payment initiation device associated with the merchant, the payment initiation device collects both sensitive and non-sensitive portions of electronic payment transaction data for the request and encrypts the sensitive data portion for secured transmission. A payment gateway in the payment transaction process relays the data and the payment request to a payment processor for approval by an issuer and transmits only the non-sensitive portion of the data to a payment service engine for risk analysis if the payment request is approved by the issuer. The payment service engine determines if the payment request is at high risk based on risk analysis of non-sensitive portion of the data and notifies the payment initiation device and/or merchant accordingly.
    Type: Grant
    Filed: October 13, 2017
    Date of Patent: February 28, 2023
    Assignee: WePay, Inc.
    Inventors: Sireesh Potireddy, Rich Aberman, John R. Canfield
  • Patent number: 11593799
    Abstract: A method is provided for recording purchase transactions, including: receiving a purchase order request that is associated with a purchase order, the purchase order request being received from a purchaser-side system, the purchase order request including purchase information identifying a product, a product quantity, and a first order identifier that is assigned to the purchase order by the purchaser-side system; generating a transaction document in response to the purchase order request, including the purchase information into the transaction document, and recording the transaction document in a document sharing platform or shared cryptographically protected ledger; and progressively updating the transaction document with information provided by the purchaser-side system and a seller-side system as the purchase order is being fulfilled, wherein each update to the transaction document is recorded in the cryptographically protected ledger.
    Type: Grant
    Filed: February 1, 2019
    Date of Patent: February 28, 2023
    Assignee: EMC IP Holding Company LLC
    Inventors: Donal Carpenter, Carlos Martins Rodrigues, Tomislav Lokas
  • Patent number: 11593774
    Abstract: A mobile banking system and method allows an unbanked individual to engage in banking practices that would otherwise not be available to the individual due to the individual not having a bank account and not being able to cash checks, make deposits, etc. The mobile banking system allows the unbanked individual to create a registered system account and become a customer of the system. This system account allows the customer to make deposits at credit unions and merchants who are part of the mobile banking system. The customer can also withdraw funds from a merchant or make purchases from a merchant. The customer can also make donations to a desired donation receiver and create a wallet that allows the customer to allocate funds to cards in the wallet and allow individuals access to the cards and money associated with a card.
    Type: Grant
    Filed: March 23, 2022
    Date of Patent: February 28, 2023
    Assignee: Global Compassion, LLC
    Inventors: David Dallenbach, Steven Turner
  • Patent number: 11593890
    Abstract: A method, apparatus and computer program product are provided for validating electronic distribution transactions and reducing non-compliant electronic distribution transactions. A distribution application enables users to enter details relating to a retirement account distribution. A tax service integrated with the distribution application provides scenario-specific tax withholding information, and enforces relevant tax withholding rules. A user provides withholding information and the system ensures compliance by validating the transaction against the withholding rules. The system displays to the user any errors that need to be corrected, and a breakdown of the proceeds from the transaction. The tax service is implemented remotely from the distribution application so that changing tax regulations may be implemented into the tax service without impacting the distribution application.
    Type: Grant
    Filed: June 30, 2020
    Date of Patent: February 28, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Jeffrey L. Mccraney, Lara A. Kramer, Sarah Lynn Auvil, M. David Thomas, Kenneth R. Bergeson, Krista K. Norman, Jack R. Zentmeyer, Natalie Reitz Hurst, Cathy A. Shea, Darrel Rogers, Daniel R. Sumerfelt, Deepti Suresh, Piotr Tadeusz Gumulka, Marco Antonio Pontes, Devin Mauzy, Michael Connors, Linda J. Class, Janice V. Lobben, Robert J. Young, Jr., Frederick Stclair, Paulo Alberto Goncalves
  • Patent number: 11593503
    Abstract: A data store to store and access digital records is provided, and a key object record is initialized in the data store to store data associated with a physical key object. A digital fingerprint of the physical key object is stored in the key object record. Another digital record is created in the data store that is not the key object record. The digital record is linked to the digital fingerprint of the physical key object. The linking is arranged to provide secure control access to the linked digital record. A tendered access key is received via a programmatic interface or user interface, and the data store is queried based on the tendered access key to identify a matching digital fingerprint of a key object. In a case that the querying identifies the matching digital fingerprint of the key object within a prescribed level of confidence, access to the linked digital record secured by the key object is granted.
    Type: Grant
    Filed: June 16, 2021
    Date of Patent: February 28, 2023
    Assignee: Alitheon, Inc.
    Inventors: Justin Lynn Withrow, David Justin Ross, Vala Andrésdóttir Withrow
  • Patent number: 11588198
    Abstract: Embodiments described herein generally relate to a battery pack assembly. The battery pack assembly includes a housing and a plurality of battery cells. The housing includes a pair of sidewalls and a pair of end walls that define a cavity, and a pair of lids. Each lid of the pair of lids has an interior surface and each lid of the pair of lids moves between an open position and a closed position. A plurality of terminal connectors are positioned on each inner surface of each of the pair of lids. The plurality of battery cells are positioned within the cavity. Each battery cell of the plurality of battery cells has a pair of terminals. When each lid is in the closed position, each of the plurality of terminal connectors are communicatively coupled to a corresponding terminal of the pair of terminals of each battery cell.
    Type: Grant
    Filed: January 29, 2020
    Date of Patent: February 21, 2023
    Assignee: Toyota Motor Engineering & Manufacturing North America, Inc.
    Inventor: Geoffrey D. Gaither
  • Patent number: 11583765
    Abstract: New application sessions can be placed on reclaimable resource capacity that can be provided at lower cost than dedicated capacity, but with risk that the capacity might be reclaimed before completion of the session. A number of instance types can be determined that are capable of hosting a new session. Risk scores can be calculated for the instance types, as well as the cost of instances of each type. An instance type can be selected for the session using the risk scores and cost information, where the instance type will have relatively low risk with a relatively low cost for the instance. Once an instance type is selected, a resource pool can be selected from which to provide the resource instance of the selected type. The instance can then be allocated and caused to host the session or perform related functionality.
    Type: Grant
    Filed: May 3, 2021
    Date of Patent: February 21, 2023
    Assignee: Amazon Technologies, Inc.
    Inventors: Christopher Byskal, Natalia Rose Carvalho, Justin Miles
  • Patent number: 11587093
    Abstract: In an example embodiment, information about one or more failed payment attempts via an electronic payment processing system is obtained. One or more features are extracted from the information. Then, for each of a plurality of potential candidate retry time points, the one or more features and the potential candidate retry time point are fed into a dunning model, the dunning model trained via a machine-learning algorithm to produce a dunning score indicative of a likelihood that a retry attempt at an input retry time point will result in a successful payment processing. The dunning scores for the plurality of potential candidate retry time points are used to select a desired retry time point. Then the electronic payment processing system is caused to attempt to reprocess a payment associated with one of the failed payment attempts at a time matching the desired retry time point.
    Type: Grant
    Filed: February 19, 2020
    Date of Patent: February 21, 2023
    Assignee: Stripe, Inc.
    Inventors: Tara Seshan, Adam Eagle
  • Patent number: 11580597
    Abstract: Methods and systems for automatically providing dynamic content for facilitating a transaction are described herein. An online marketplace is accessed by a client device over a network. A user identifier associated with the client device is passed to a payment service provider via a merchant system associated with the online market place. Dynamic content is generated by the payment service provider in response to the user identifier and subsequently served to the client device over the network.
    Type: Grant
    Filed: November 18, 2021
    Date of Patent: February 14, 2023
    Assignee: PayPal, Inc.
    Inventors: Hugo Olliphant, Ray Tanaka, Alan Tien, Roy Vella
  • Patent number: 11582049
    Abstract: Embodiments of the present disclosure relate to methods, apparatuses and computer readable mediums for Virtual Network Function (VNF) management. In example embodiments, there is provided a method of managing a VNF. The method includes sending, from a VNF manager to a charging component, at least one request for charging information associated with at least one VNF. The VNF manager manages the at least one VNF. The charging information indicates respective rates for charging the at least one VNF under different network conditions. The method further includes, in response to receiving the charging information, managing lifecycle of the at least one VNF at least in part based on the charging information.
    Type: Grant
    Filed: December 22, 2017
    Date of Patent: February 14, 2023
    Assignee: Nokia Technologies Oy
    Inventors: Zhi Wang, Yigang Cai
  • Patent number: 11580539
    Abstract: Disclosed herein are methods, systems, and apparatus for processing blockchain-based guarantee information. One of the methods includes receiving a first cyphertext of a first digital document specifying a guarantee from a first computing device associated with at least a first guarantor and one or more zero-knowledge proofs (ZKPs) related to one or more values associated with the guarantee, and the first digital document specifies one or more predetermined conditions of executing the guarantee; verifying that the one or more ZKPs are correct; storing the first cyphertext to a blockchain based on performing a consensus algorithm; receiving a first message from a second computing device associated with a beneficiary or a representative of the beneficiary.
    Type: Grant
    Filed: September 21, 2021
    Date of Patent: February 14, 2023
    Assignee: Alipay (Hangzhou) Information Technology Co., Ltd.
    Inventors: Xuming Lu, Hui Zhou, Guojun Ye
  • Patent number: 11580531
    Abstract: A method and system include providing a user interface associated with an issuer of an account; receiving, at the user interface, a request to generate a token associated with a user account; generating at least one token associated with the user account; authenticating one or more elements associated with the user account, wherein authentication may be one of prior to and subsequent to the generation of the at least one token; and receiving the at least one token. Numerous other aspects are provided.
    Type: Grant
    Filed: August 25, 2017
    Date of Patent: February 14, 2023
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Valerie Wouters, Cristian Radu, Alan Johnson
  • Patent number: 11580554
    Abstract: Techniques are described herein for selecting an optimal financial account for a financial transaction. In an embodiment, a multi-account payment card is used to initiate a financial transaction. Transaction information of the financial transaction including a multi-account payment card ID is transmitted to a server for processing. The server determines that the multi-account payment card ID is associated with a plurality of financial accounts, wherein each of the plurality of financial accounts is associated with any one of a credit card, a debit card, an automatic teller machine (ATM) card, a gift card, or a credit line. A financial account of the plurality of financial accounts is selected by the server based on financial account information, such as reward information, associated with the plurality of financial accounts and the transaction information of the financial transaction. The financial transaction is then charged to the selected financial account.
    Type: Grant
    Filed: December 27, 2019
    Date of Patent: February 14, 2023
    Assignee: LENDINGCLUB BANK, NATIONAL ASSOCIATION
    Inventors: Shane Lunceford, Alejandra Tonda, Janna Goldberg, Albert Lee, Michael Homnick
  • Patent number: 11571977
    Abstract: The present invention relates to a method for reporting an electric car charging space in a parking lot, the method comprising: identifying whether a charger of each of charging spaces in a parking lot is being used; identifying whether a car exists in each of the charging spaces; and selecting a chargeable space and reporting the selected chargeable space.
    Type: Grant
    Filed: April 18, 2019
    Date of Patent: February 7, 2023
    Assignee: VESTELLALAB INC.
    Inventors: Sangsu Jung, Eunjung Lee, Youngsoo Lee
  • Patent number: 11574306
    Abstract: A computer-implemented method performed by an issuer computer comprises receiving an authorization request for a transaction between a cardholder and a merchant using a first account identifier. A repository is searched for a preference set with the issuer by a cardholder to use a second account identifier when at least one transaction is received for the first account identifier. The transaction is authorized using the second account identifier in place of the first account identifier without knowledge by the merchant that the second account identifier was used. An authorization response is then returned to the merchant.
    Type: Grant
    Filed: December 12, 2019
    Date of Patent: February 7, 2023
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Rohit Sukhija, Ashutosh Singh, Amit Kumar Mishra
  • Patent number: 11574493
    Abstract: Techniques are described for migrating information from a first account to a second account, based on analyzed image(s) of document(s). Image(s) of a document may be generated using an image capture device of a smartphone or other portable computing device. The image(s) may be analyzed, through pattern recognition analysis or barcode scanning, to extract the information from the image(s). The information may then be employed to schedule a transaction, such as payment of a bill described in the information. In some instances, the extracted information may be used as part of an account migration process, in which transactions are migrated from a first account to a second account.
    Type: Grant
    Filed: July 13, 2021
    Date of Patent: February 7, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Justin Sachtleben, Cisco Iguaran, Annette Mumme, Jonathan Dennis Velazquez
  • Patent number: 11568456
    Abstract: This disclosure describes a solution to assign values to personal objects. These values can be calculated based on a number of criteria and stored for the objects. Future values can also be projected. Types of value can include monetary, sentimental, and donation value. Personal objects, such as objects within the inventory of a house, apartment, or other dwelling, can be tagged using a radio frequency identification (RFID) tag or other tag that has at least a memory store, an antenna for communication within a near-field range, and optionally, a power supply, such as a battery. Such a tag can be applied to, or otherwise associated with, a personal object, such as a chair, a piece of artwork, or any other tangible object. The memory can be used to contain data associated with the object, which can be accessed via an RFID reader, which can be used to collect objects into an object inventory.
    Type: Grant
    Filed: April 17, 2020
    Date of Patent: January 31, 2023
    Assignee: AT&T INTELLECTUAL PROPERTY I, L.P.
    Inventors: Brittaney Zellner, Sameena Khan, Ryan Schaub, Barrett Kreiner, Ari Craine, Robert Koch
  • Patent number: 11568406
    Abstract: In one embodiment, a method includes receiving, at a privacy transaction server, from a user device, a privacy transaction card creation request including merchant metadata for a first merchant server, generating a privacy transaction card associated with an issuer server, storing, in a privacy transaction database, a privacy transaction card record for the privacy transaction card, including tagged card data identifying the first merchant server, transmitting, to the privacy component, the privacy transaction card, receiving, from the issuer server, a transaction approval request associated with the privacy payment card, the transaction approval request including transaction metadata identifying a second merchant server, retrieving the privacy transaction card record, analyzing the transaction metadata and the tagged card data to determine whether there is a match between the first merchant server and the second merchant server, and transmitting a transaction approval response indicating whether the transact
    Type: Grant
    Filed: March 8, 2022
    Date of Patent: January 31, 2023
    Assignee: Lithic, Inc.
    Inventors: Jason Kruse, Boling Jiang, Andrew Roth
  • Patent number: 11568482
    Abstract: In an illustrative embodiment, an automated system links data files associated with loan submissions that have different identification attributes. The system may include computing systems and devices for receiving requests from a number of remote computing systems to identify loan products associated with a data file. The system can generate a matching input matrix comparing identification attributes from a first data file to identification attributes of candidate data files. The system can apply attribute matching rules to the matching input matrix to identify other data files that correspond to the same loan product as the first data file despite the data files having different identification attributes. The system can link data files corresponding to the same loan product within a data repository with a product linking key and output the linking key or other data for the loan product to a receiving computing system.
    Type: Grant
    Filed: July 29, 2020
    Date of Patent: January 31, 2023
    Assignee: Federal Home Loan Mortgage Corporation (Freddie Mac)
    Inventors: Ankit Goel, Annette Best, Domenico Cacciavillani, Deanna Jo Dabney, Deepthi Ganta, Matthew Brian Maycott, Keenan Moukarzel, Samuel Edward Oliver, III, Thomas C. Schweikert, Sukhdeep Kaur Sherry
  • Patent number: 11568149
    Abstract: A computer system includes memory storing computer-executable instructions and a processor configured to execute the computer-executable instructions. The computer-executable instructions include building a questions table including multiple first questions and multiple potential requirements to which the first questions correspond, respectively. The computer-executable instructions include adding, to the questions table, one or more second questions, each of which correspond to at least two requirements from among the potential requirements. The computer-executable instructions include adding, to the questions table, for each second question among the one or more second questions, the at least two requirements to which the second question corresponds. The computer-executable instructions include determining a question, from among the first questions and the second questions, that corresponds to a highest number of potential requirements, and displaying the determined question to a user.
    Type: Grant
    Filed: February 18, 2020
    Date of Patent: January 31, 2023
    Assignee: TD Ameritrade IP Company, Inc.
    Inventor: John Scott Kula
  • Patent number: 11562427
    Abstract: The present technology is related to employing a template/macro-based order entry system. An initial order data message contains a macro that establishes the initial parameters for an order and a unique ID is associated with the template. Subsequent, and potentially smaller sized data messages contain the unique ID as well as relevant order details for placing an order. Of course, the technology described herein envisions a much broader concept of reducing message sizes to help improve overall latency and is not limited to order entry.
    Type: Grant
    Filed: February 27, 2020
    Date of Patent: January 24, 2023
    Assignee: NASDAQ, INC.
    Inventors: Michael Chapman, Michael Lazarev, John Vaccaro
  • Patent number: 11562336
    Abstract: Systems and methods for providing a payment authorization system include a payment authorization device that receives, through communication over a network with at least one of a user device and a payment provider device, a request to authenticate a merchant virtual storefront. The request may be received in association with a merchant virtual storefront transaction request. The payment authorization device also retrieves identifying information associated with the merchant virtual storefront. Additionally, the payment authorization device may retrieve, from a database located in a non-transitory memory, baseline identifying information for comparison to the retrieved identifying information. The payment authorization device determines an authenticity of the merchant virtual storefront based on the retrieved identifying information and subsequently authorizes the merchant virtual storefront transaction request.
    Type: Grant
    Filed: October 30, 2018
    Date of Patent: January 24, 2023
    Assignee: PAYPAL, INC.
    Inventors: Eric Byungho Min, I, Margaret A. Strong
  • Patent number: 11562363
    Abstract: Systems and methods for data visualization are disclosed. An example method includes: obtaining, via a user device, first user biometric data from a user; comparing the first user biometric data with first stored user biometric data. The first stored user biometric data are stored in a hardware secure element of the user device. The method further includes: determining that the first user biometric data matches the first stored user biometric data; and in response to the determining, transmitting a payment token to a merchant device. The payment token is configured to enable a payment to be made from a payment account associated with the user to a merchant associated with the merchant device.
    Type: Grant
    Filed: January 27, 2020
    Date of Patent: January 24, 2023
    Assignee: PAYPAL, INC.
    Inventors: Satish Narayan Govindarajan, Gunabalan Babu, Khiem Nguyen Pham, Carlos Manuel Rivas, Guhan Senguttuvan, Anantharaj Uruthiralingam
  • Patent number: 11561668
    Abstract: Systems and methods are disclosed which may provide modules that may be displayed in the context of a website that allow for autoscrolling between the modules upon entering required information in the modules or completing actions required by the modules. The modules may be modules for paying for items via PayPal and may include modules for entering payment information, billing information, a shipping address, creating an account, and accepting terms and conditions. The modules may be displayed within the context of the webpage when selecting a pay with PayPal link without navigating away from the webpage. As a user enters information into a module, the module will automatically scroll to the next module if the module permits automatic scrolling.
    Type: Grant
    Filed: February 4, 2020
    Date of Patent: January 24, 2023
    Assignee: PAYPAL, INC.
    Inventors: Stacey Swinehart, Cody Evol, Shilpa Dhar
  • Patent number: 11564085
    Abstract: Aspects of the subject disclosure may include, for example, identifying a first user associated with a first mobile device, and determining a first user type associated with the first user. Further embodiments can include identifying a first identity associated with the first user based on the first user type and identifying a second identity associated with the first user based on the first user type. Additional embodiments can include providing first alternate content to the first mobile device to mask the first identity and providing second alternate content to the first mobile device associated with the second identity. Other embodiments are disclosed.
    Type: Grant
    Filed: February 5, 2021
    Date of Patent: January 24, 2023
    Assignees: AT&T Intellectual Property I, L.P., AT&T Mobility II LLC
    Inventors: Nicholas Cassioppi, Eric Zavesky, James H. Pratt
  • Patent number: 11556534
    Abstract: Provided are techniques for efficient subquery predicate generation to reduce processing in a multi-table join. It is determined that a query is to be rewritten, wherein the query includes a predicate for a first column of a first table and a second column of a second table. The query is rewritten with generated subquery predicates for the first table that are to be applied to the second table and with generated subquery predicates for the second table that are to be applied to the first table. Minimum and maximum ranges for columns of the generated subquery predicates at a cursor open are determined. The minimum and maximum ranges are merged to determine inclusive ranges that exist in the first table and the second table. The generated subquery predicates are rewritten as derived local subquery predicates with the inclusive ranges. The query with the derived local subquery predicates is executed.
    Type: Grant
    Filed: April 30, 2021
    Date of Patent: January 17, 2023
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Thomas A. Beavin, Andrei F. Lurie, Terence P. Purcell
  • Patent number: 11556982
    Abstract: A central database system allows entities to easily manage human resources functions. An entity requests that the central database system executes an employer function on its behalf, and the central database system determines a probability of the entity defaulting before the entity can finalize the employer function with the central database system. The central database system can train and apply a machine-learned model to dynamically determine the default probability for the entity. Based on the default probability, the central database system determines a risk tolerance associated with the employer function and determines whether to process or challenge the employer function based on the risk tolerance and the default probability.
    Type: Grant
    Filed: September 4, 2020
    Date of Patent: January 17, 2023
    Assignee: ZENPAYROLL, INC.
    Inventors: Peter Sugimura, Karlotcha Hoa, Benjamin Paik, Sarah Lippitt, Mariam Issa
  • Patent number: 11551464
    Abstract: Provided is a system and method for matching documents by line item. In one example, the method may include receiving a target document from a target system and a source document from a source system which are linked, identifying a set of lines in the target document and a set of lines in the source document which cannot be matched based on initial conditions, determining, via a machine learning model, a target line from the identified set of lines in the target document matches a source line from the identified set of lines in the source document based on descriptions included in the target line and the source line, and updating the source system to indicate that the target line from the target document and the source line from the source document are a match.
    Type: Grant
    Filed: October 21, 2020
    Date of Patent: January 10, 2023
    Assignee: SAP SE
    Inventors: Alexander Bolgarin, Oleg Bolgarin, Jan Schrage
  • Patent number: 11551196
    Abstract: Systems and methods are provided for group bill payment comprising creating a secure group bill payment account associated with a plurality of group members. The group bill payment account may be configured to receive information via a network from the plurality of group members; permit a group member to manage the group bill payment account following an authentication process; and transmit a group payment to a provider. Systems and methods may further comprise receiving instructions from a group member to create a rule for requesting payment, the bill being from a provider and associated with group members; receiving the bill issued by the provider; determining a charge based on the bill and the rule; sending a payment request based on the charge; receiving a deposit into the group bill payment account; transmitting a group payment; and sending a notification.
    Type: Grant
    Filed: February 28, 2020
    Date of Patent: January 10, 2023
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Joshua Edwards, Michael Mossoba
  • Patent number: 11544798
    Abstract: A unique animated graphical user interface for improving the tracking of documents is described herein. The user interface comprises of symbols that move across a line to represent the status of that document. The line may be separated into quadrants. To facilitate this graphical user interface, a non-transitory machine-readable media is programmed to store invoices in a list in a database and count the number of invoices in each quadrant in the list in the database. The first quadrant may include a representation of the number of new documents that are not yet uploaded. The second quadrant may include a representation of the number of uploaded documents that may not be able to process without further analysis. The third quadrant may include a representation of the number of uploaded documents that have been automatically processed by the software and are ready to submit electronically. The fourth quadrant may include a representation of the number of documents submitted electronically.
    Type: Grant
    Filed: August 27, 2021
    Date of Patent: January 3, 2023
    Inventors: Michael Marcinelli, Alisha Edwards
  • Patent number: 11544694
    Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, authorize initiated exchanges of data based on tokenized data characterized by a limited temporal or geographic validity. For example, an apparatus may receive a first signal that includes first information identifying a first geographic position of a client device. The apparatus may also obtain a digital token representative of a pre-authorization of a data exchange between the client device and a terminal device during a corresponding temporal interval. The terminal device may, for example, be disposed within a geographic region that includes the first geographic position of the client device. The apparatus may generate and transmit a second signal that includes the digital token to the client device. In some examples, the apparatus may transmit the second signal being through a programmatic interface associated with an application program executed by the client device.
    Type: Grant
    Filed: January 13, 2021
    Date of Patent: January 3, 2023
    Assignee: The Toronto-Dominion Bank
    Inventors: Dino D'Agostino, Perry Aaron Jones Haldenby, Dean C. N. Tseretopoulos, Jeffrey Aaron Ecker, Adam Douglas McPhee, Milos Dunjic, John Jong-Suk Lee, Arun Victor Jagga
  • Patent number: 11544100
    Abstract: The present invention provides a hardware acceleration method and a communications system. The hardware acceleration method includes: sending, by a network functions virtualization orchestrator (NFVO), first request information to a virtualized infrastructure manager (VIM), wherein the first request information is configured to request the VIM to deploy the to-be-accelerated VNF onto a host in a management domain of the VIM, wherein a hardware resource of the host meets a requirement of the to-be-accelerated VNF, and the requirement of the to-be-accelerated VNF includes information indicating a type of a required hardware acceleration resource and a size of the required hardware acceleration resource in the to-be-accelerated VNF; receiving, by the VIM, the first request information from the NFVO; and deploying, by the VIM, the to-be-accelerated VNF onto the host in the management domain of the VIM.
    Type: Grant
    Filed: July 19, 2021
    Date of Patent: January 3, 2023
    Assignee: Huawei Technologies Co., Ltd.
    Inventors: Jun Peng, Zhan Peng, Xu Yang
  • Patent number: 11544169
    Abstract: Apparatuses, methods, and program products are disclosed for determining usage of an information handling device. One apparatus includes at least one processor and a memory that stores code executable by the at least one processor. The code is executable by the processor to monitor, by use of the at least one processor, a plurality of parameters indicative of a usage of an information handling device. The plurality of parameters is for a plurality of components of the information handling device. The code is executable by the processor to store data corresponding to the plurality of parameters. The code is executable by the processor to compute the usage of the information handling device based on the stored data.
    Type: Grant
    Filed: January 5, 2021
    Date of Patent: January 3, 2023
    Assignee: Lenovo (Singapore) Pte. Ltd.
    Inventors: Philip Jakes, Jeremy R. Carlson, Daryl C. Cromer, Howard Locker, John Weldon Nicholson, Joseph David Plunkett, Kenneth Seethaler
  • Patent number: 11544695
    Abstract: Transaction identification is described. A payment processing platform can receive (i) transaction data associated with a transaction between a merchant and a customer and (ii) a transaction code from a payment making platform. The payment processing platform can receive an indication of an interaction between a computing device of the customer and the transaction code, wherein the indication is associated with context data associated with the interaction. Based at least partly on comparing the transaction data with the context data, determining that the customer is associated with the transaction and causing an association between the customer and the transaction, wherein the association causes at least a portion of the transaction data to be provided to a mobile payment application, associated with the payment making platform, on the computing device of the customer.
    Type: Grant
    Filed: October 26, 2020
    Date of Patent: January 3, 2023
    Assignee: Block, Inc.
    Inventors: Pritesh Bodalia, Deepkarn Bedi, Christopher Sukovich, Jessica Bullitt
  • Patent number: 11538015
    Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.
    Type: Grant
    Filed: April 15, 2022
    Date of Patent: December 27, 2022
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Bharat Prasad, Troy Bartlette Huth
  • Patent number: 11539986
    Abstract: A processing device and method are disclosed to generate automatic content recognition (ACR) fingerprints. A device can include a processing device to execute a capture daemon. The capture daemon may include a capturer to receive media content from a content feed and to generate content frames of the media content. The capture daemon can also include ACR fingerprinter to generate ACR fingerprint information for the content frames. The ACR fingerprinter may communicate the ACR fingerprint information to an ACR server via a first communication channel. The processing device may determine when the ACR fingerprinter fails; cease communicating the ACR fingerprint information to the ACR server; and restart the ACR fingerprinter.
    Type: Grant
    Filed: May 26, 2021
    Date of Patent: December 27, 2022
    Assignee: ROKU, INC.
    Inventors: Andrew Ashbacher, Marcus Liassides
  • Patent number: 11537803
    Abstract: A point-of-sale system is a dual-screen stand assembly that includes a merchant terminal and a consumer terminal. The merchant terminal and the consumer terminal can be mated together in a fixed position to form a single unitary stand, or can be separated from each other in a separated position with each terminal serving as its own separate stand. The merchant terminal supports a merchant computing device and is oriented in a merchant-facing direction. The consumer terminal is detachably mated to the merchant terminal and supports a consumer computing device that is oriented in a consumer-facing direction. The point-of-sale system also includes a card reader as part of the customer terminal to perform a payment. The card reader is configured to accepting swipe cards, chip cards or contactless (EMV or NFC) payments.
    Type: Grant
    Filed: July 31, 2018
    Date of Patent: December 27, 2022
    Assignee: Block, Inc.
    Inventors: Yenliang Chen, Isreal Blagdan, Michael C. Lamfalusi, Kartik Lamba, Jeremy Wade
  • Patent number: 11528382
    Abstract: An image processing apparatus includes an acquisition section that acquires a document, a first extraction section that extracts elements that need processing regarding copyrights from elements constituting the acquired document, a second extraction section that extracts use conditions of the extracted elements, a first presenting unit that presents at least part of the extracted use conditions, a receiving section that receives designation of wanted and unwanted elements among the extracted elements, a second presenting section that presents a total fee obtained by adding fees indicated by use conditions of the wanted elements to a fee for outputting the document, and an output section that, in response to payment of the total fee, outputs the edited document. In the edited document, the unwanted elements have been edited to comply with the use conditions.
    Type: Grant
    Filed: December 26, 2019
    Date of Patent: December 13, 2022
    Assignee: FUJIFILM Business Innovation Corp.
    Inventor: Shinichiro Yamamoto