Bill Distribution Or Payment Patents (Class 705/40)
  • Patent number: 11481743
    Abstract: A real-time electronic bill presentment and payment system of a bill presentment and payment system (BPPS) provider is exposed to at least one of a business financial institution and an accounting software provider via an API. The BPP provider facilitates the institution or software provider providing a real-time electronic bill presentment and payment mobile application to a business. The BPPS obtains, via the API, from the institution or software provider, registration information relevant to the business. The real-time system populates a biller directory database with the registration information. No action, other than the facilitating, is required by the BPPS provider for the institution or software provider to obtain the registration information. In some instances, provision is made for loss of connectivity between the institution or software provider and the business and/or for alerts to the business.
    Type: Grant
    Filed: July 15, 2019
    Date of Patent: October 25, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Ellen Moskowitz, Sebastien Galperti, Chhomthyda Chhuan, Sriram Iyer, Patricia Ryan
  • Patent number: 11474047
    Abstract: A non-transitory computer-readable recording medium recording an image processing program that causes a computer to execute processing of: specifying a damaged portion by analyzing a captured image of a construction; and predicting, in the captured image, a range to which damage spreads based on the specified damaged portion and design data associated with the construction.
    Type: Grant
    Filed: June 10, 2020
    Date of Patent: October 18, 2022
    Assignee: FUJITSU LIMITED
    Inventors: Yusuke Nakanishi, Hideyuki Kikuchi, Hiroshi Yamagami
  • Patent number: 11475900
    Abstract: The present disclosure is generally directed to increasing the scalability of onboarding network resources, such as a digital component, to a voice-based network. The system enables the navigating of and interaction with digital components using voice or speech input and output interfaces on a computing device. The system can receive and processes an input audio signal to identify a digital component. The system enables voice-based interaction with the previously unregistered digital component via the input and output interfaces.
    Type: Grant
    Filed: February 3, 2020
    Date of Patent: October 18, 2022
    Assignee: GOOGLE LLC
    Inventors: Sriram Bhargav Karnati, Varun Soundararajan
  • Patent number: 11475512
    Abstract: The disclosed embodiments include methods and systems for providing account and event status notifications. The disclosed embodiments include, for example, a communications device including a memory storing software instructions and one or more processors configured to execute the software instructions to perform operations. In one aspect, the operations may include receive a notification of a status of an account parameter. The operations may also include identifying a device eligible to access the notification in accordance with a user-specified data restriction, and identifying at least a portion of the notification that is consistent with the data restriction. The communications device provide the identified portion of the notification to the eligible device without receiving input from the user, and the eligible device may present at least one of a visual, audible, or tactile indicator of the status of the account parameter.
    Type: Grant
    Filed: February 8, 2018
    Date of Patent: October 18, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Orin Del Vecchio, Nigel Lall, Paul Mon-Wah Chan, Jonathan K. Barnett, Garima Aggarwal
  • Patent number: 11470505
    Abstract: A method for linking Packet Detection Rules (PDRs) for optimizing throughput of combined Serving Gateway (SGW)/Packet Gateway (PGW) architecture is disclosed. In one embodiment the method includes, determining a SGW and a PGW are co-located on a system and when the SGW and PGW are co-located on a same system then performing a Packet Forwarding Control Protocol (PFCP) session lookup for an uplink packet at the SGW; determining which PDR to use for sending the uplink traffic; using the PDR to remove any tunneling protocol header; checking the PDR to determine if the next hop is local; when the next hop is local, then finding the PGW PDRs for this FTEID; identifying a PGW PDR matching with the current packet; performing any packet encapsulation; and after performing any optional header checksum calculations, sending the packet.
    Type: Grant
    Filed: August 31, 2020
    Date of Patent: October 11, 2022
    Assignee: Parallel Wireless, Inc.
    Inventors: Ganesh Jaju, Ketan Parikh, Nikhil Agarwal
  • Patent number: 11469905
    Abstract: A communication method is used in a communication system that includes a plurality of nodes. Two or more authentication nodes among the plurality of nodes respectively receive account information of a user and a public key of the user from the user. The two or more authentication nodes respectively transmit a massage that indicates the account information is correct and the public key of the user to the plurality of nodes when it is decided that the account information is correct. Each of the plurality of nodes registers the public key of the user in a public key list that stores public keys of users who have been allowed to participate in the communication system, when detecting according to messages received from other nodes that a specified number of authentication nodes or more have decided that the account information is correct.
    Type: Grant
    Filed: October 30, 2019
    Date of Patent: October 11, 2022
    Assignee: FUJITSU LIMITED
    Inventor: Dai Suzuki
  • Patent number: 11468499
    Abstract: The disclosed system and methods adjust one or more parameters affecting the purchase of one or more items and change a buyer interface in order to display the consolidated parameter to a buyer. Example embodiments include a machine-implemented method for detecting an edit to the shopping cart, conducting a complex parameter editing simulation based on data accessed from multiple databases, adjusting a parameter associated with an item in the shopping cart, and adjusting and displaying a cart total to the buyer. The system can further receive an indication to checkout the shopping cart and edit complex parameters during checkout accordingly.
    Type: Grant
    Filed: February 11, 2020
    Date of Patent: October 11, 2022
    Assignee: EBAY INC.
    Inventors: Sailendra Reddy, Raphael Tsow, Scott Sharp
  • Patent number: 11461759
    Abstract: A method is provided for communication by a mobile telecommunication device. The method comprises detecting, by the mobile telecommunication device, an input related to an advertisement displayed on the mobile telecommunication device and associated with an online merchant. The method further comprises, responsive to detecting the input, transmitting, by the mobile telecommunication device, to the online merchant, a token stored in a memory location in the mobile telecommunication device, wherein the token contains information for facilitating a transaction between the mobile telecommunication device and the online merchant.
    Type: Grant
    Filed: May 24, 2018
    Date of Patent: October 4, 2022
    Assignee: Sprint Communications Company L.P.
    Inventors: Michael A. Gailloux, Lauren R. King
  • Patent number: 11461765
    Abstract: The present disclosure relates to an account system for optimizing transactions for a user. In one implementation, the system may include at least one processor and a storage medium storing instructions that, when executed, configure the at least one processor to perform operations. The operations may include receiving, from the merchant system, merchant information for the transaction, retrieving, based on the account number, a database record from a database, the database record comprising the plurality of financial accounts associated with the user and user preferences, determining financial account data associated with each of the plurality of financial accounts, determining, using an optimization algorithm, a preferred financial account from the plurality of financial accounts based on the financial account data, the user preferences, and the merchant information, and selecting, based on the determination, the preferred financial account to complete the transaction.
    Type: Grant
    Filed: March 4, 2020
    Date of Patent: October 4, 2022
    Assignee: Capital One Services LLC
    Inventor: Austen Novis
  • Patent number: 11461839
    Abstract: A method, apparatus, and computer readable storage to implement a lending or cash advance system that can be (but is not required to be) integrated with an online commerce site. Sellers on the online commerce site can click a button or tab in their web browser that is visiting the online commerce site and information known to the online commerce site is automatically shared with a potential cash provider. The information can include sales data related to the seller's business on the online commerce site that can be applied to a formula used by a cash provider to evaluate the risk associated with lending the seller cash. A financial account used by the seller can rapidly receive the cash loan (if approved) and payments received by the seller from buyers would go into this financial account which is then used to automatically pay the cash provider back at agreed upon terms.
    Type: Grant
    Filed: December 9, 2019
    Date of Patent: October 4, 2022
    Assignee: AMERICAN EXPRESS KABBAGE INC.
    Inventors: Robert Frohwein, Kathryn Petralia
  • Patent number: 11455651
    Abstract: A content publisher may transfer an impression token value to a user in response to the content publisher displaying an advertisement for a merchant to the user. The content publisher may record the transfer on a zero knowledge blockchain. The merchant may transfer a conversion token value to the user in response to the user making a purchase from the merchant. The merchant may record the transfer on the zero knowledge blockchain. The user may transfer the impression token value and the conversion token value to a measurement company. The measurement company may calculate attribution and lift results for the advertisement.
    Type: Grant
    Filed: April 16, 2019
    Date of Patent: September 27, 2022
    Assignee: Meta Platforms, Inc.
    Inventor: Andrew Knox
  • Patent number: 11455692
    Abstract: A system for calculating estimated Social Security benefits for married couples. The system includes a benefits estimator server configured to automatically update to reflect a change in rules regarding a calculation of Social Security benefits; a rules database separate from but coupled to the benefits estimate server via a network; and a calculator configured to receive input data and to receive social security calculation rules from the rules database and further configured to transmit output data, via the benefits estimator server, based on the input data and the social security calculation rules, wherein the input data includes data regarding a primary earner and a secondary earner in the married couple, including an assumed age of death for the primary earner and an assumed age of death for the secondary earner, and wherein the output data includes benefits for a plurality of Social Security benefits categories for the married couple.
    Type: Grant
    Filed: May 5, 2020
    Date of Patent: September 27, 2022
    Assignee: BLACKROCK, INC.
    Inventors: Connie Nichols, Courtney Golisano
  • Patent number: 11455604
    Abstract: In some examples, a financial transaction is effectuated between first and second users of a payment service system. The payment service system receives, from the first user, a request for a first payment proxy identifier for the first user, and receives from the second user, a request for a second payment proxy identifier for the second user. The payment service system generates the payment proxy identifiers with a currency indicator prefixing one or more alphanumeric characters. The payment proxy identifiers enable the payment service system to identify the financial accounts of the respective users in lieu of payment card mechanisms. The payment service system receives a message from the second user indicating a money transfer request, initiates a transfer of funds from an account of the second user to an account of the first user, and sends an email message to the first user indicating the transfer of funds.
    Type: Grant
    Filed: April 1, 2022
    Date of Patent: September 27, 2022
    Assignee: BLOCK, INC.
    Inventors: Brian Grassadonia, Jesse Wilson
  • Patent number: 11455613
    Abstract: Systems and methods for preparing payment requests via cached payee information databases are described. The cached payee database system allows customers of a financial institution to search locally stored payee databases on their mobile devices for payee information. The cache version of the payee database is periodically updated with new and corrected payee information. The cached database system can perform payee searches on a character-by-character basis in real time with minimal delays between searches.
    Type: Grant
    Filed: November 30, 2018
    Date of Patent: September 27, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Sabitha Dachepalli, Remo DeLeon, Peter Rozovski
  • Patent number: 11451384
    Abstract: Systems, devices, and methods for controlling access to vehicles in rental, loaner, shared-use, and other vehicle fleets. Some of the present systems, devices, and methods use encrypted virtual keys that can be relayed to a vehicle computing device via a user's mobile device. Such virtual keys can be command-specific such that successful use of a virtual key results execution of a predetermined command or group of commands, and further commands require one or more additional virtual keys with the additional commands. Others of the present systems, devices, and methods provide tools: for provisioning or initial pairing of vehicle computing devices with corresponding vehicles, identifying and permitting a user to select locally available vehicles, prompting vehicle computing devices to retrieve pending commands from a server, and/or various other functions described in this disclosure.
    Type: Grant
    Filed: February 20, 2019
    Date of Patent: September 20, 2022
    Assignee: DEALERWARE, LLC
    Inventors: Allen Darnell, Matt McMillan
  • Patent number: 11449922
    Abstract: A method of providing a personalized payment option for a user includes (a) receiving billing information from a merchant server associated with a merchant, (b) obtaining one or more rules associated with the merchant, (c) obtaining one or more offers associated with one or more payment options associated with the user and a plurality of preferences associated with the user, (d) computing a reward associated with each of the one or more payment options based on the one or more offers, the billing information, the plurality of preferences, and the one or more rules, and (e) providing at least one recommended payment option among the one or more payment options based on the computed reward associated with each of the one or more payment options.
    Type: Grant
    Filed: November 20, 2020
    Date of Patent: September 20, 2022
    Assignee: TOSHIBA TEC KABUSHIKI KAISHA
    Inventor: Raison Chacko
  • Patent number: 11449859
    Abstract: Disclosed herein are systems, methods, and non-transitory computer-readable storage media for processing gift transactions, related to enabling a recipient to choose a mode of redeeming the gift credit. A method can include receiving an identification, from a giver of a credit, of a recipient and a spending category associated with a notice, transmitting the notice to a device associated with the recipient, receiving a selection from the recipient regarding a payment mode to be used to redeem the credit from the giver by making a purchase according to the spending category, linking the payment mode to a policy associated with redeeming the credit, monitoring purchases using the payment mode of the recipient for a qualified purchase according to the spending category, receiving an indication that the qualified purchase was made using the payment mode and, based on the indication of the qualified purchase, applying the credit to the recipient.
    Type: Grant
    Filed: December 14, 2020
    Date of Patent: September 20, 2022
    Assignee: GIFTYA LLC
    Inventors: Thomas M. Isaacson, Ryan C. Durham, Jason Wolfe, Patrick Ledbetter, Adam Ludwig
  • Patent number: 11449841
    Abstract: A system for Augmented Reality (AR) document realization receivers a request to transfer an amount of an AR document into account of a receiver. The AR document comprises an AR check. The system fetches a first AR check image from a memory. The system extracts a first set of features from the first AR check image. The system receives a second AR check image from a computing device associated with the receiver. The system extracts a second set of features from the second AR check image. The system compares the first AR check image with the second AR check image. The system determines whether the first AR check image corresponds to the second AR check image. In response to determining that the first AR check image corresponds to the second AR check image, the system transfers the amount into the account of the receiver.
    Type: Grant
    Filed: April 15, 2021
    Date of Patent: September 20, 2022
    Assignee: Bank of America Corporation
    Inventors: Anantharajan Srinivasarangan, Deepak Suresh Dhokane, Rakesh Kumar Jain, Ananth Subramanian, Kiran Pulla
  • Patent number: 11449779
    Abstract: Some embodiments of the present disclosure may relate generally to software-based service platforms and graphical user interface (GUI) architectures for determining and presenting rule-based conclusions, along with explanations identifying the factor or factors influencing the conclusions. Other embodiments may be disclosed and/or claimed.
    Type: Grant
    Filed: May 15, 2020
    Date of Patent: September 20, 2022
    Assignee: AVALARA, INC.
    Inventors: Naveen Kumar Agrawal, Marshal Kushniruk, Mark Wilhelm, Aaron David Wilson
  • Patent number: 11443305
    Abstract: Various embodiments are directed to the centralized processing of data from multiple sources and/or augmenting the data with contextual data from multiple sources across different accounts and systems. Embodiments disclose a context augmentation module to supplement and aggregate data from multiple sources, extrapolate contextual data, and augment the data with the contextual data on transactions conducted by a user. By gathering data from multiple sources associated with the user, contextual data may be extrapolated and can be applied to incoming transaction data about a transaction conducted by the user. The contextual data may also be applied to classify the transaction data, increasing the total number of transactions as well as contextualizing the ones with additional corresponding data.
    Type: Grant
    Filed: August 3, 2018
    Date of Patent: September 13, 2022
    Assignee: THE BEANS
    Inventors: Matthieu Tourne, Melissa Pancoast, Danton Rodriguez
  • Patent number: 11443325
    Abstract: A payment network server for processing an electronic commerce (e-commerce) transaction initiated by a customer is described.
    Type: Grant
    Filed: September 5, 2019
    Date of Patent: September 13, 2022
    Assignee: Mastercard International Incorporated
    Inventors: Manu Dharmaiah Kallugudde, Satya Sudipta Padhiary
  • Patent number: 11443298
    Abstract: A system for updating a stored value card comprising a transaction device for receiving a request to update the stored value card; a transaction manager arranged in data communication with the transaction device; the transaction manager operable to process the request to update the stored value card; a clearing house arranged to receive processed request from the transaction manager and create a pending transaction status; and a stored value updater network operable to receive the stored value card and thereafter retrieve an identifier of the stored value card; the stored value updater network further operable to retrieve the pending transaction status from the clearing house; wherein upon successful verification of the pending transaction status and the stored value card, the stored value updater network updates the stored value card.
    Type: Grant
    Filed: September 14, 2015
    Date of Patent: September 13, 2022
    Assignee: EINNOVATIONS HOLDINGS PTE. LTD.
    Inventor: Rodrigo S. Salvador
  • Patent number: 11433798
    Abstract: An article storage system includes a moving object configured to house an article and move on a road, and a server configured to manage information of the moving object and information of a user who uses the moving object, store user identification information for identifying the user and moving object identification information for identifying the moving object used by the user in association with each other, acquire a request from the user relating to housing of the article in the moving object or take-out of the article from the moving object, and when the request from the user is acquired, specify the moving object to be used by the user based on the user identification information and the moving object identification information and perform control such that the specified moving object moves from a predetermined place on the road to a place that is different from the predetermined place.
    Type: Grant
    Filed: January 25, 2019
    Date of Patent: September 6, 2022
    Assignee: TOYOTA JIDOSHA KABUSHIKI KAISHA
    Inventors: Yusuke Kaneko, Masato Endo, Shinji Sassa, Takahiro Shiga, Yohei Tanigawa
  • Patent number: 11430047
    Abstract: On the basis of a detected change in the display state of the product and of a person included in the captured image or a person whose in-store flow line has been detected, a rearrangement detection means 820 detects that a product has been returned to a different location than the location from which the product was taken. A shopping list generation means 830 uses shelving information on a product shelf to specify a product for which there has been detected a change in the display state that is a result of the person having picked up the product, performs a registration process for registering the specified product on a shopping list that corresponds to the person, and performs a deletion process for deleting the product, which has been returned to the different location than the location from which the product was taken, from the shopping list.
    Type: Grant
    Filed: March 9, 2018
    Date of Patent: August 30, 2022
    Assignee: NEC CORPORATION
    Inventors: Kyota Higa, Emi Kitagawa
  • Patent number: 11429949
    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 14, 2022
    Date of Patent: August 30, 2022
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Bharat Prasad, Troy Bartlette Huth
  • Patent number: 11430067
    Abstract: A system for strategy-based exit planning comprises a processor and a memory. The processor is configured to receive an indication to create an exit plan; and create an exit plan for a strategy, wherein the strategy comprises one or more instruments. The memory is coupled to the processor and configured to provide the processor with instructions.
    Type: Grant
    Filed: August 14, 2020
    Date of Patent: August 30, 2022
    Assignee: Morgan Stanley Services Group Inc.
    Inventor: Aric Forsythe
  • Patent number: 11429964
    Abstract: The present disclosure involves systems, software, and computer implemented methods for transaction auditing. One example method includes receiving a request to authenticate a document image. The image is preprocessed to prepare the image for line orientation analysis. The preprocessed image is analyzed to determine lines in the preprocessed image. The determined lines are automatically analyzed by performing line orientation test(s) on the determined lines to generate line orientation test result(s) for the preprocessed image. The line orientation test result(s) are evaluated to determine whether the image is authentic. In response to determining that at least one line orientation test result matches a predefined condition corresponding to an unauthentic document, a determination is made that the image is not authentic.
    Type: Grant
    Filed: December 12, 2019
    Date of Patent: August 30, 2022
    Assignee: SAP SE
    Inventors: Juliy Broyda, Lev Sigal, Anton Ioffe, Yuri Arshavski
  • Patent number: 11423376
    Abstract: A system and method for auto-populating an electronic transaction process is provided. The system comprises at least one processor, and a memory storing instructions which when executed by the at least one processor configure the processor to obtain a scanned payee identifier from an optical character recognition scan of a digital bill document, compare the scanned payee identifier with a set of stored payee identifiers to obtain at least one first identifier match, determine a score for each of the at least one identifier match, and select the stored payee identifier associated with a highest score. The method comprises obtaining a scanned payee identifier from an optical character recognition scan of a digital bill document, comparing the scanned payee identifier with a set of stored payee identifiers to obtain at least one first identifier match, determining a score for each of the at least one identifier match, and selecting the stored payee identifier associated with a highest score.
    Type: Grant
    Filed: November 1, 2019
    Date of Patent: August 23, 2022
    Assignee: Royal Bank of Canada
    Inventors: Alex Tak Kwun Lau, Arup Saha, Hareshkumar Chaudhari, Izayana Navas, Rami Thabet, Kristopher Hanks, Nijan Giree
  • Patent number: 11423388
    Abstract: Concepts and technologies are disclosed herein for out-of-band device verification of transactions. A processor can execute a verification service. The verification service can receive a verification request with data relating to a transaction between a computing device and an application. The verification service can identify an out-of-band device associated with the computing device and obtain verification data from the out-of-band device. The verification service can compare the verification data to data relating to the transaction to determine if the transaction is to be verified. Based upon the determination, the verification service can approve or block the transaction.
    Type: Grant
    Filed: November 25, 2019
    Date of Patent: August 23, 2022
    Assignee: AT&T Intellectual Property I, L.P.
    Inventor: Andrea Forte
  • Patent number: 11423409
    Abstract: According to one embodiment, an electronic transaction device includes: a relationship map storage unit that stores a relationship map (a participant relationship map) which is information indicating a relationship between a plurality of parties involved in a predetermined transaction; a policy requirement storage unit that stores policy requirements, which are requirements for the parties involved in the transaction, necessary for the closing of the transaction; an agreement policy calculation unit that generates an agreement policy which is a condition related to an approver of a transaction indicated by transaction data holding a predetermined transaction content, based upon the relationship map and the policy requirements; and an approval request transmission unit that transmits a predetermined approval request to a predetermined information processing device associated with an approver of a transaction specified based upon the generated agreement policy.
    Type: Grant
    Filed: August 19, 2019
    Date of Patent: August 23, 2022
    Assignee: HITACHI, LTD.
    Inventors: Yusuke Arai, Tatsuya Sato, Yosuke Himura
  • Patent number: 11423476
    Abstract: In some examples, a payment processing system may receive identity information identifying a buyer interested in purchasing an item from a first merchant. The system may determine, based on the identity information and item information, that the buyer is eligible for financing the purchase of the item. The system may generate a customized financing offer for the buyer to finance at least a portion of the purchase price of the item. For example, the customized financing offer may include financing terms and may be based on previous financing activity of the buyer with one or more merchants associated with the payment processing system, and/or previous financing activity associated with one or more buyers that have financed the item from one or more merchants. The payment processing system may transmit the customized financing offer to cause a user interface to present the customized financing offer to the buyer.
    Type: Grant
    Filed: September 29, 2020
    Date of Patent: August 23, 2022
    Assignee: BLOCK, INC.
    Inventors: Audrey Kim, Theodore Mao
  • Patent number: 11423408
    Abstract: A rules engine for applying rules from a reviewing network to data signals from an originating network is described. The rules engine includes a processor coupled to a memory device. The rules engine is coupled to the reviewing network, and is configured to receive a clearing data signal from the originating network. The clearing data signal includes clearing data for at least one transaction that has been processed by the originating network. The originating network and the reviewing network are payment networks. Additionally, the rules engine generates a clearing response data signal that includes clearing response data by comparing the clearing data to the set of predefined rules stored in the memory device. The clearing response data indicates that the reviewing network will not guarantee settlement of at least one transaction included in the clearing data. The rules engine transmits the clearing response data signal to the originating network.
    Type: Grant
    Filed: June 28, 2019
    Date of Patent: August 23, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Mary K. Rechert, Archie G. Counts, Timothy Glen Althoff, Janice C. Mehanovic
  • Patent number: 11422688
    Abstract: The present invention relates to a mobile terminal capable of user identification based on artificial intelligence technology. The present invention includes an artificial intelligence unit for generating a usage pattern related to an operation performed on the mobile terminal and generate a control command for executing any one of a plurality of operation modes having different security standards based on the generated usage pattern, and a control unit for executing any one of the plurality of operation modes in response to a control command generated by the artificial intelligence unit. The artificial intelligence unit monitors situation information regarding an operation performed on the mobile terminal, compares the generated payment pattern with the monitored situation information, and generates a control command for executing any one operation mode based on a comparison result.
    Type: Grant
    Filed: June 8, 2017
    Date of Patent: August 23, 2022
    Assignee: LG ELECTRONICS INC.
    Inventors: Eunhye Kim, Cheongha Park, Juhye Lee, Juha Hyun
  • Patent number: 11423475
    Abstract: Described herein is a system in which an electronic record is stored on a distributed environment. In this system, a computing entity that receives an action request with respect to an account may receive or generate an electronic identifier for that account. The computing entity may then identify an electronic record comprising a number of interaction records related to the electronic identifier within the distributed environment. The computing entity is then able to request account-specific information directly from an originating entity for each of the interaction records. In some embodiments, the computing entity may separately determine a level of trust to be associated with each originating entity. In some embodiments, the computing entity may determine a risk level to be associated with an action indicated in the action request based on the received account-specific information.
    Type: Grant
    Filed: September 27, 2016
    Date of Patent: August 23, 2022
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Quan Wang, Shiv Bhatt
  • Patent number: 11423417
    Abstract: A method and system for auditing and verifying vehicle identification numbers (VINs) on transport devices (e.g., trucks, trains, ships etc.) with multilevel fraud detection. Digital photographs of vehicle VINs on transport devices are collected with camera components on the transport devices (e.g., trucks, trains, etc.) and verified with multilevel fraud detection, crowdsourcing and other information collected about the vehicles on the transport device. The method and system is used to detect fraud associated with VIN audits of vehicles and unique identifier of non-vehicle entities on transport devices.
    Type: Grant
    Filed: October 2, 2020
    Date of Patent: August 23, 2022
    Assignee: Positioning Universal, Inc.
    Inventor: Mark A. Wells
  • Patent number: 11418583
    Abstract: A method for dynamic transaction request grouping and allocation in a distributed transaction processing system. The method may implement interconnected transaction process monitors to manage the handling and servicing of transaction requests with respect to networked computing platforms of the distributed transaction processing system.
    Type: Grant
    Filed: February 14, 2018
    Date of Patent: August 16, 2022
    Assignee: International Business Machines Corporation
    Inventors: Nageswararao V. Gokavarapu, Jithesh Moothoor, Raghavendran Srinivasan
  • Patent number: 11416891
    Abstract: An electronic commerce (e-commerce) system may send advertisement emails to customers that are registered with the e-commerce system. The advertisement emails may include mailto hyperlinks. Each mailto hyperlink may be associated with a product that is being offered for sale, and each mailto hyperlink describes an email message that may be generated when that hyperlink is selected. When a mailto hyperlink is selected, the generated email message may include one or more parameters related to the product associated with the hyperlink, such as an identifier of the product. The generated email message may then be transmitted to the e-commerce system. The e-commerce system may receive the message and, based on the parameters in the received message, execute a transaction to purchase the identified product on behalf of the customer.
    Type: Grant
    Filed: November 15, 2021
    Date of Patent: August 16, 2022
    Assignee: SWOOP IP HOLDINGS LLC
    Inventors: John P. Killoran, Jr., Dennis William Peek, Matthew Custer
  • Patent number: 11416861
    Abstract: Systems and methods are disclosed for automated integration between payment facilitators and submerchants. One method includes receiving and storing an identifier and financial information of a payment facilitator, registering the payment facilitator as a user of a user interface, receiving a command from the payment facilitator, the command being one of: register a legal entity or a submerchant, wherein the registering associates the legal entity or the submerchant with the payment facilitator, validates financial and identifying information pertaining to the legal entity or the submerchant, and is based on an acceptance after a background check of the legal entity or the submerchant, view or edit details of the legal entity or the submerchant, perform a search of legal entities or submerchants associated with the payment facilitator, using one or more search criteria, and add, view, edit, and assign fee profiles.
    Type: Grant
    Filed: December 21, 2018
    Date of Patent: August 16, 2022
    Inventor: Marlena Hubley
  • Patent number: 11416483
    Abstract: A system and method of automated data collection which adjusts and reacts to expected availability of update data as well as adjusts and reacts to security restrictions in order to obtain update data as soon as reasonably possible without triggering security lockouts or other restrictions which require excessive amounts of manual intervention. The system and methods provide for efficient and timely collection of invoice data for timely processing, auditing and action.
    Type: Grant
    Filed: October 7, 2020
    Date of Patent: August 16, 2022
    Assignee: Tangoe US, Inc.
    Inventors: Dale L. Clark, Silviu Lupsa, Zachary Goldberg
  • Patent number: 11416949
    Abstract: A system, method, and computer program product for providing personalized coordinated shopping among multiple participants in a network marketplace. Social group interactions are extended to shopping, to enhance the scope and efficiency of commerce. A shopping group comprising selected members of a social group includes an authorized purchaser and a number of shoppers who are not authorized to make purchases. A non-authorized purchaser selects desired items and sends a purchase approval request to the authorized purchaser, including a personalized video message describing and supporting the request. The personalized video message is sent to the authorized purchaser by communication means selected according to determined current availability, including via review of a social calendar. The authorized purchaser may approve, decline, or request further information from the requester, upon reviewing the purchase request.
    Type: Grant
    Filed: February 2, 2017
    Date of Patent: August 16, 2022
    Assignee: EBAY, INC.
    Inventors: Deepak Kumar Vasthimal, Sudeep Kumar
  • Patent number: 11410209
    Abstract: A technique is provided that transforms account number data received from the consumer into one or more forms based on use by specific processes. Further provided is a technique for establishing payees using these account numbers such that remittances can be routed via the most cost effective means, e.g. which remittance processor is determined and/or which processor among internal processors within an enterprise is determined, and such that, when available, electronic bills can be successfully requested for on-line presentation. The technique to transform account number data can be applied by systems in industries other than banking and for account numbers from sources other than a customer.
    Type: Grant
    Filed: November 8, 2019
    Date of Patent: August 9, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Darrell Sher
  • Patent number: 11410210
    Abstract: A computer-implemented method and system are provided to utilize machine learning technology to process user financial transaction data to predict a personalized payment screen architecture. A plurality of feature datasets associated with transaction data of a plurality of electronic invoices are obtained by a computing device. Each feature dataset comprises a plurality of features, a payment screen and a payment method configured to be presented on at least one payment screen. The computing device is configured to train a machine learning model with the feature datasets to produce a probability matrix with probabilities of each payment method used to pay the invoices through each payment screen. The computing device may weigh the probability matrix to generate a recommendation matrix and determine a prediction of a payment screen based on the recommendation matrix.
    Type: Grant
    Filed: February 13, 2020
    Date of Patent: August 9, 2022
    Assignee: Intuit Inc.
    Inventors: Yair Horesh, Yehezkel Shraga Resheff, Daniel Ben David
  • Patent number: 11409558
    Abstract: According to embodiments of the present disclosure, a method, device and computer program product for job management are proposed. The method comprises: receiving, at a first device, status information of a first job sent by a second device at a first sending time, the first job running on the second device, the status information indicating a completion status of the first job; in accordance with a determination that the status information indicates the first job has not been completed, determining a send distribution period related to at least one second job different from the first job, the send distribution period covering respective sending times when devices running the at least one second job send status information of the at least one second job to the first device; and providing the second device an indication on a second sending time in the send distribution period, to instruct the second device to send further status information of the first job to the first device at the second sending time.
    Type: Grant
    Filed: February 26, 2020
    Date of Patent: August 9, 2022
    Assignee: EMC IP HOLDING COMPANY LLC
    Inventors: Jian Wen, Yi Wang, Xing Min
  • Patent number: 11410143
    Abstract: An email payment gateway having electronic commerce (e-commerce) system may send advertisement emails to customers that are registered with the e-commerce system. The advertisement emails may include mailto hyperlinks. Each mailto hyperlink may be associated with a product that is being offered for sale, and each mailto hyperlink describes an email message that may be generated when that hyperlink is selected. When a mailto hyperlink is selected, the generated email message may include one or more parameters related to the product associated with the hyperlink, such as an identifier of the product. The generated email message may then be transmitted to the e-commerce system. The e-commerce system may receive the message and, based on the parameters in the received message, execute a transaction to purchase the identified product on behalf of the customer.
    Type: Grant
    Filed: September 20, 2019
    Date of Patent: August 9, 2022
    Assignee: SWOOP IP HOLDINGS LLC
    Inventor: John P. Killoran, Jr.
  • Patent number: 11410246
    Abstract: A system for consolidating and reconciling invoices includes: an input port receiving benefits information related to insurance benefits recipients and invoices from one or more benefits vendors; a rules engine enforcing rules on the benefits information, the rules engine being configured to monitor the benefits information for determining exceptions based on the rules; a processing unit including a consolidation module and reconciliation module; the reconciliation module analyzing and comparing each invoice against the benefits information to detect inaccuracies in each invoice, the inaccuracies being designated as exceptions; and the consolidation module merging the invoices into a single bill. During merging, the processing unit calculates an adjusted invoice amount for the invoice which has the exception and incorporates the adjusted invoice amount into the single bill. An output port transmits the single bill to a client device for making a single deposit of funds to settle the invoices.
    Type: Grant
    Filed: June 4, 2020
    Date of Patent: August 9, 2022
    Assignee: Salus Finance, LLC
    Inventor: Robert Alan Bull
  • Patent number: 11411737
    Abstract: A Zero Knowledge Proof (ZKP)-based privacy protection method and system for authenticated data in a smart contract wherein initialization is performed. Inputting a security parameter obtains a public parameter. A Data Authenticator (DA) generates a public/private key pair. A key pair is generated using the public parameter and a verification circuit as inputs, the key pair including a proof and a verification key. Authentication on private data of a Decentralized App (DApp) User (DU) is performed using the private key of the DA, and generates a signature. A DU prover terminal inputs private data as an input value and a calculation result and hash value as output values. The DU generates a ZKP using the proof key. A validator verifies whether the ZKP is correct. If verification passes, the calculation result is correct; otherwise the calculation result is wrong. The validator executes a smart contract based on the verification result.
    Type: Grant
    Filed: November 19, 2019
    Date of Patent: August 9, 2022
    Assignee: SHANDONG UNIVERSITY
    Inventors: Zhiguo Wan, Zhangshuang Guan
  • Patent number: 11410178
    Abstract: A message tracking computing device for identifying anomalous activity in real-time is provided. The message tracking computing device includes a memory in communication with a processor. The processor is programmed to receive a transaction dataset including a plurality of transaction records, each transaction record associated with a payment transaction. The processor is further programmed to compute, for a subset of transaction records of the plurality of transaction records, a normalized velocity score by computing a streaming mean, computing a streaming standard deviation, and computing the normalized velocity score based on the streaming mean, the streaming standard deviation, and a transaction ratio. The processor is further programmed to analyze the at least one computed normalized velocity score to detect anomalous activity, automatically generate an alert message identifying the anomalous activity, and transmit the alert message to a remote computing device.
    Type: Grant
    Filed: April 1, 2020
    Date of Patent: August 9, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Joshua A. Allbright
  • Patent number: 11403617
    Abstract: A wallet system includes a terminal having a first processor and the first server having a second processor. The first processor is configured to transmit a reloading method registration request to a first server, transmit a reloading request to the first server, and transmit a settlement request to the first server via a terminal of a settlement recipient. The second processor is configured to register a payment method as the reloading method, increase a balance of electronic money in the wallet based on reloading amount information included in the reloading request, and reduce the balance of electronic money in the wallet based on settlement amount information included in the settlement request. The payment method is included in the reloading method registration request.
    Type: Grant
    Filed: September 17, 2020
    Date of Patent: August 2, 2022
    Assignee: TOYOTA JIDOSHA KABUSHIKI KAISHA
    Inventors: Nozomu Yoshioka, Noriaki Mochida, Yuzo Yamada, Tsukasa Karasawa, Yusuke Tomimoto
  • Patent number: 11403318
    Abstract: System and method embodiments are provided for using different storage formats for a primary database and its replicas in a database managed replication (DMR) system. As such, the advantages of both formats can be combined with suitable design complexity and implementation. In an embodiment, data is arranged in a sequence of rows and stored in a first storage format at the primary database. The data arranged in the sequence of rows is also stored in a second storage format at the replica database. The sequence of rows is determined according to the first storage format or the second storage format. The first storage format is a row store (RS) and the second storage format is a column store (CS), or vice versa. In an embodiment, the sequence of rows is determined to improve compression efficiency at the CS.
    Type: Grant
    Filed: October 1, 2015
    Date of Patent: August 2, 2022
    Assignee: FutureWei Technologies, Inc.
    Inventors: Qingqing Zhou, Yang Sun, Guogen Zhang
  • Patent number: 11399083
    Abstract: Systems, devices and methods for adaptive compression of stored information includes a memory management computing device programmed to monitor a size of a plurality of data structures stored in a data repository. The computing device compares the size of each of a plurality of data structures to a predetermined threshold. When a size of an uncompressed data structure meets the threshold, the memory management computing device calculates a value of a first compression parameter based on a value of a first parameter and a value of a second parameter of each data element of the uncompressed data structure, calculates a value of a second compression parameter based the value of the first parameter of each data element of the uncompressed data structure, generates a compressed data structure based on the value of the first compression parameter and the second compression parameter; and replaces, in the data repository, the uncompressed data structure with the compressed data structure.
    Type: Grant
    Filed: November 29, 2021
    Date of Patent: July 26, 2022
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Fateen Sharaby, Sriram A. Raju Datla, Dhiraj Subhash Bawadhankar, John Charles Redfield, Justin Yeong-Juin Lee