Having Programming Of A Portable Memory Device (e.g., Ic Card, "electronic Purse") Patents (Class 705/41)
  • Patent number: 10778782
    Abstract: A user may perform activities at an automated device having various technical features, such as a display, a printer, a camera, a microphone, a speaker, and other features used to perform activities at the automated device. During performance of an activity, the user may run into an issue and request assistance from an agent having a computing device (e.g., a portable computing device). Additionally or alternatively, the automated device may detect the issue and send a request for assistance to a computing device managing a transaction assistance portal or directly to the agent's computing device. The request may identify the user, the activity, and/or the issue, and the agent and his or her computing device may be used to resolve the issue. The agent's computing device may also be used to facilitate customer relationship management with the user.
    Type: Grant
    Filed: November 1, 2018
    Date of Patent: September 15, 2020
    Assignee: Bank of America Corporation
    Inventors: Christian Mande, Mark Williamson, Brendan Watkins, Ryan Furey, Anne Price, Alison Pearce, Michelle Bentubo
  • Patent number: 10776785
    Abstract: Systems and methods for device authentication are disclosed. In one embodiment, a method may include (1) an acquirer portion receiving a device credential and a payment credential that were received from the payment application in conjunction with a transaction, the acquirer portion further receiving transaction data for the transaction from the merchant; (2) the acquirer portion performing a first validation assessment on the transaction based on the transaction data and first data retrieved from a first data source; (3) the payment network portion performing a second validation assessment on the transaction based on the transaction data and second data retrieved from a second data source; and (4) the issuer portion identifying and authenticating the customer based on the device credential, the payment credential, and at least one of the first validation assessment and the second validation assessment.
    Type: Grant
    Filed: November 28, 2016
    Date of Patent: September 15, 2020
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Ayman Hammad, Simon Clarke
  • Patent number: 10762556
    Abstract: Order information indicating a purchase order is received from an ordering device. Whether a display terminal corresponding to the ordering device from which the order information has been sent exists or not is determined using information which indicates correspondences between ordering devices and display terminals. Message information indicating acceptance of the purchase order indicated in the order information is transmitted to the corresponding display terminal. It is determined whether status information indicating that the message information was displayed on the display of the corresponding display terminal has been received from the corresponding display terminal or not. A cancellation period during which a process for canceling the purchase order indicated in the order information is accepted is started upon reception of the status information.
    Type: Grant
    Filed: October 25, 2018
    Date of Patent: September 1, 2020
    Assignee: PANASONIC INTELLECTUAL PROPERTY CORPORATION OF AMERICA
    Inventors: Mitsuhiro Aso, Rinako Kamei, Hiroko Sugimoto
  • Patent number: 10756891
    Abstract: Methods and systems for transmitting data are described. A random data stream is generated. A data stream is generated comprising the random data stream and indicators as to which data of the random data stream is valid data to be communicated to a recipient. The random data stream and/or the data stream may be communicated using quantum entanglement.
    Type: Grant
    Filed: April 9, 2014
    Date of Patent: August 25, 2020
    Assignee: THE BOEING COMPANY
    Inventors: Wayne Richard Howe, Jeffrey H. Hunt, Edward Allen Adler
  • Patent number: 10743702
    Abstract: A cooking control method of a cooking appliance comprises the following steps: acquiring a rice species identifier of rice to be cooked (S1); receiving cooking preference information of a user (S2); acquiring a corresponding rice species type according to the rice species identifier (S3); acquiring a corresponding cooking curve according to the cooking preference information and the rice species type (S4); and controlling the cooking appliance according to the cooking curve (S5). The cooking control method controls a cooking process according to user preference and the rice species type, thus greatly improving a cooking effect of the cooking appliance, and improving use satisfaction of the user. Also disclosed are a cooking appliance and cooking control device thereof.
    Type: Grant
    Filed: June 24, 2015
    Date of Patent: August 18, 2020
    Assignees: FOSHAN SHUNDE MIDEA ELECTRICAL HEATING APPLIANCES MANUFACTURING CO., LIMITED, MIDEA GROUP CO,. LTD.
    Inventor: Nanjun Li
  • Patent number: 10749678
    Abstract: Aspects of the disclosure relate to token-based authentication mechanism. A computing device may receive information, determined by one or more sensors systems, corresponding to a user. The user information may comprise user biological information as measured by the one or more sensor systems. The computing device may generate a token based on the received user information. The computing device may store the generated token, in a memory associated with the computing device. The computing device may transmit the token to a user token device corresponding to the user. The user token device may be used to authenticate the user.
    Type: Grant
    Filed: September 26, 2019
    Date of Patent: August 18, 2020
    Assignee: Bank of America Corporation
    Inventor: Manu Kurian
  • Patent number: 10748128
    Abstract: A point-of-sale system is provided that permits users to self-manage prepaid debit cards. Such a system may be capable of identifying and managing a number of different prepaid debit cards provided by different card issuers. The system may permit, for example, a user to purchase, activate, load funds, or perform other management operations with such cards. The system may also enforce restrictions associated with particular card types, and follow process flows for activating and performing other operations of such cards. The system may also be easily extendible to other types of prepaid cards through established card network relationships.
    Type: Grant
    Filed: February 22, 2018
    Date of Patent: August 18, 2020
    Assignee: Walmart Apollo, LLC
    Inventors: Kam Lam, Anthony Hylton, Mark Matthews
  • Patent number: 10733599
    Abstract: A system is configured to perform operations that include receiving an input corresponding to a transaction by a user at a merchant location and determining, based on the input, an identifier corresponding to the user. The operations also include authenticating, via an electronic network, the user with a payment provider server of a payment provider and accessing from the payment provider server based on the identifier, digital wallet information corresponding an account of the user that is maintained by the payment provider. The operations further include receiving a selection of a first digital payment instrument of one or more digital payment instruments and transmitting, via a payment network to a payment processor, payment instructions that cause the payment processor to process a payment corresponding to the transaction using first payment information associated with the first digital payment instrument.
    Type: Grant
    Filed: May 31, 2017
    Date of Patent: August 4, 2020
    Assignee: PayPal, Inc.
    Inventors: Abhishek Ghosh, Jan Rosen, Bharat Savani, Abhishikth Nandam, Surojit Bhaduri
  • Patent number: 10720017
    Abstract: An automated teller machine (ATM) server includes a processor circuit and a memory including machine-readable instructions that cause the server processor circuit to, based on receipt transaction request messages, cause a transaction fee to be debited from a credit account that is associated with an account identifier contained in the transaction request message. A portion of the transaction fee is credited to a prize pool for a progressive jackpot, and the ATM server determines when a triggering condition has been satisfied by content of one of the transaction request messages for one of the ATM transactions. When the triggering condition has been satisfied for a particular one of the transaction request messages, an award message is transmitted including an instruction to award a portion of the prize pool to a user associated with the transaction request message.
    Type: Grant
    Filed: January 4, 2019
    Date of Patent: July 21, 2020
    Assignee: IGT
    Inventors: Eric Lancaster, Andrew Fisher
  • Patent number: 10721071
    Abstract: A personal digital ID device provides a digital identifier to a service for a predetermined duration in response to user interaction. The user interaction may include a button press. The personal digital ID device may be in the form of a bracelet, a key fob, or other form factor. The service may be provided by a mobile device, in the cloud, or elsewhere.
    Type: Grant
    Filed: November 6, 2019
    Date of Patent: July 21, 2020
    Assignee: Tyfone, Inc.
    Inventors: Siva G. Narendra, Prabhakar Tadepalli, Saurav Chakraborty, Donald Allen Bloodworth
  • Patent number: 10706411
    Abstract: Automatically communicating information related to a user computing device from a central computing system to a transaction computing system prior to initiation of a transaction between the user computing device and the transaction computing system comprises a digital wallet application and a central computing system. A digital wallet application receives a beacon signal from a transaction computing system indicating the specific identification of the terminal with which the user intends to conduct a transaction. The user computing device communicates the terminal identification to the central computing system. The central computing system communicates customer data, such as loyalty information and offers, to the transaction computing system associated with the terminal. The transaction computing system communicates the customer data to the terminal. When the user taps the user computing device to initiate the transaction, the terminal provides any benefits associated with the customer data.
    Type: Grant
    Filed: November 18, 2015
    Date of Patent: July 7, 2020
    Assignee: Google LLC
    Inventors: Joseph B. Pearson, Krishna Doddamane
  • Patent number: 10706476
    Abstract: Computer implemented methods and systems for bundled payment adjudication are disclosed. The method includes receiving patient information of patient. The patient information comprises at least patient identifier and clinical episode of patient. The method includes generating episode card for patient to avail healthcare services from one or more healthcare service providers for predefined time. The episode card includes claims submission information for healthcare services availed by patient from one or more healthcare service providers. The method includes receiving one or more claims associated with patient from at least one healthcare service provider. Each claim is associated with one or more healthcare services availed by patient for clinical episode using episode card. The method includes processing one or more claims for determining validity of each claim based on set of episode definition parameters.
    Type: Grant
    Filed: December 27, 2018
    Date of Patent: July 7, 2020
    Assignee: Novera, LLC
    Inventor: Mark Niemeyer
  • Patent number: 10699290
    Abstract: A system for processing a supplemental nutrition assistance program (SNAP) may include a point-of-sale (POS) terminal and a SNAP administration server coupled to the POS terminal. The SNAP administration server may store SNAP eligible products, and store SNAP payment wallets each associated with a SNAP user and each having an associated credit value to be used toward purchase of the SNAP eligible products. The SNAP administration server may also store SNAP coupon wallets each associated with the SNAP user and each having an associated digital coupon value to be used toward the purchase of SNAP eligible products. The SNAP administration server may further determine whether products being purchased match the SNAP eligible products and, for each matching product, apply the associated digital coupon value and apply the associated credit value toward the purchase at the POS terminal.
    Type: Grant
    Filed: September 15, 2017
    Date of Patent: June 30, 2020
    Assignee: INMAR GOVERNMENT SERVICES, LLC
    Inventors: Srinivasan Varadarajan, Gregory L. Kerr, L. David Mounts
  • Patent number: 10699262
    Abstract: In certain embodiments, an electronic device can include a secure element that detects a mechanical input. The mechanical input can correspond to an instruction to transmit securely stored payment information to another device and/or to release such information to an application on the device (e.g., for use in an in-app commerce transaction). This feature can inhibit or prevent unauthorized transmission of payment information. When the mechanical input is detected, payment information can be transmitted to a point of sale (POS) terminal (e.g., via near-field communication) or released to an app on the device. Further, a user can either use default payment information or interact with the device (before or after providing the mechanical input) to select appropriate payment information for a transaction. For example, the user can select between credit cards, debit cards and/or stored-value cards (e.g., transit card).
    Type: Grant
    Filed: October 11, 2019
    Date of Patent: June 30, 2020
    Assignee: Apple Inc.
    Inventors: Jeremy T. Brown, Zachary A. Rosen, Morgan J. Grainger
  • Patent number: 10692129
    Abstract: Systems and methods are provided for generating and/or modifying a shopping list from a mobile advertisement. The advertisement can be targeted from a predefined algorithm, from multiple algorithms, or generated in real time based on items presented to a user. The advertisement may be random. When the advertisement is selected for viewing, it provides the option for saving information about the advertised product to a shopping list. The list may be a remote list that may be accessed via a deep link URL, a cloud-based storage solution, and/or it may be local to the mobile device.
    Type: Grant
    Filed: August 21, 2018
    Date of Patent: June 23, 2020
    Inventor: Michael Pedersen
  • Patent number: 10692073
    Abstract: A card management system using a mobile wallet according to the present invention comprises: a user terminal having a mobile wallet for performing a finance trade function corresponding to a finance card; and a card management server which receives and stores card image information for the finance card from the user terminal, and which, when the finance card is to be used by way of the mobile wallet, searches for the stored card image information and provides the card image information to the user terminal.
    Type: Grant
    Filed: October 2, 2015
    Date of Patent: June 23, 2020
    Assignee: SK Planet Co., Ltd.
    Inventor: Jong Won Woo
  • Patent number: 10681223
    Abstract: According to an aspect of the present disclosure, there is provided a charging system for charging an airtime use account file associated with a user for the provision of mobile telecommunications services to the user. The charging system comprises: one or more data stores configured to store: the airtime use account file, the airtime use account file having an airtime account balance which is debited in correspondence with use of airtime services by the user and has an associated predefined balance threshold; and a dedicated account file associated with the user and configured to store loan funds provided to the user, the dedicated account file having a dedicated account balance which is debited in correspondence with use of payment services or airtime services by the user.
    Type: Grant
    Filed: May 31, 2019
    Date of Patent: June 9, 2020
    Assignee: ComzAfrica Limited
    Inventor: Gilles Richard Mulihano
  • Patent number: 10679452
    Abstract: A payment device is provided for use in transactions such as credit purchases at a retail store. The device includes a non-volatile memory containing a set of multiple identifiers that are associated with a customer account. The multiple identifiers are also known to an agency that provides the customer account. The device further includes a processor operable to select one identifier out of the set of multiple identifiers for use with any particular transaction involving the device and the customer account. This identifier is then conveyed from the device, typically via a store terminal, to the agency that maintains the account.
    Type: Grant
    Filed: September 4, 2003
    Date of Patent: June 9, 2020
    Assignee: Oracle America, Inc.
    Inventor: Emrys J. Williams
  • Patent number: 10672235
    Abstract: A settlement apparatus contains a case body; a coin inserting slot, provided at the case body, which receives a deposited coin; a coin depositing/dispensing device, provided in the case body, which stores the deposited coin received through the coin inserting slot and dispenses the stored coin; and a concaved shape money placement portion, arranged at the case body, which has a money placement surface on which the deposited coin which is received by the coin inserting slot is temporarily placed, wherein the money placement surface is connected to the coin inserting slot in a width direction of the case body and is formed flatly, and the money placement portion is arranged across a center of the case body in the width direction.
    Type: Grant
    Filed: July 10, 2019
    Date of Patent: June 2, 2020
    Assignee: TOSHIBA TEC KABUSHIKI KAISHA
    Inventors: Akiko Susaki, Norifumi Shishido
  • Patent number: 10671996
    Abstract: The disclosed embodiments include methods and systems for validating, funding, activating, and reloading one or more configurable multicards. The disclosed embodiments may include a method that may include obtaining user authentication information relating to a first user associated with an inactivated multicard that is configurable for use for purchases and is configured with a zero multicard account balance amount. The method may include obtaining multicard configuration information including a unique multicard identification information that identifies the inactivated multicard and a first multicard account balance amount for the inactivated multicard. The method may also include validating the inactivated multicard using the unique multicard identification information and associating the inactivated multicard with a multicard account having the first multicard account balance that is funded from a financial account associated with the first user.
    Type: Grant
    Filed: July 10, 2015
    Date of Patent: June 2, 2020
    Assignee: The Toronto-Dominion Bank
    Inventors: Michael D. Cummins, Lauren Van Heerden, Prabaharan Sivashanmugam, Orin Del Vecchio, Gunalan Nadarajah
  • Patent number: 10672006
    Abstract: Example systems and methods that allow access to a value holding account are described. In one implementation, a method receives a first request for a second account code after activation of a selector on an account access object associated with a value holding account. The second account access code is associated with a first account access code that is associated with the value holding account. The first account code allows access to the value holding account for a first determinable period. The method generates a second request for the second account code and communicates the second request to the value holding account. The second account code is received from the value holding account and allows access to the value holding account for a second determinable period that differs from the first determinable period. The method provides the second account code to a user of the account access object.
    Type: Grant
    Filed: April 29, 2016
    Date of Patent: June 2, 2020
    Assignee: PAYPAL, INC.
    Inventor: Srinivas Vadhri
  • Patent number: 10673905
    Abstract: Systems and methods are described to facilitate generation of access policies for a network-accessible service. An authorization service may use access policies to control whether requests to access a service are authorized. A user may submit to the authorization service a request to implement a “shadow” policy, to be compared to a currently in-force policy for a service during a specified period of time. During that period, the authorization service can evaluate requests to access the service under both the currently in-force policy for the service and the shadow policy. The user can then be notified of any requests for which different authorization results are given under the currently in-force policy and the shadow policy, thus enabling the user to verify that differences between the currently in-force policy and the shadow policy are intentional rather than the result of errors within the shadow policy or currently in-force policy.
    Type: Grant
    Filed: September 14, 2017
    Date of Patent: June 2, 2020
    Assignee: Amazon Technologies, Inc.
    Inventor: Andrew Christopher Chud
  • Patent number: 10655732
    Abstract: A gear position detecting device includes a rotation angle sensor for detecting a turn position of a shift drum and a position sensor for detecting that the shift drum is at a neutral position. The rotation angle sensor is a volume sensor that linearly increases or decreases an output voltage according to a turning motion of the shift drum. The neutral position is set in such a way as not to overlap a dead zone. It is determined according to an output signal of the rotation angle sensor and an output signal of the position sensor whether the shift drum is at a reverse gear position located between the neutral position and the dead zone or a fifth gear position turned by 360 degrees from the reverse gear position. Such detecting device detects a gear position with a high accuracy even if the number of gear positions are increased.
    Type: Grant
    Filed: September 26, 2018
    Date of Patent: May 19, 2020
    Assignee: Honda Motor Co., Ltd.
    Inventors: Yasuhiro Nozaki, Masaki Yamazaki, Naoki Kobayashi, Hayato Yoshida, Naoki Sakamoto, Dai Arai
  • Patent number: 10650374
    Abstract: A system, method, and computer program product are provided for implementing high performance digital wallets. In use, a digital wallet with a plurality of transactions to process is identified. Further, a plurality of digital proxy-wallets are associated with the digital wallet. Additionally, digital currency from the digital wallet is allocated to the plurality of digital proxy-wallets. Moreover, the plurality of transactions are automatically processed in parallel utilizing the plurality of proxy-wallets such that the transactions are processed against the digital wallet.
    Type: Grant
    Filed: October 22, 2015
    Date of Patent: May 12, 2020
    Assignees: AMDOCS DEVELOPMENT LIMITED, AMDOCS SOFTWARE SYSTEMS LIMITED
    Inventors: Ajeet Singh, Naresh Chandra Miriyala, Ali Badiei, Peter Dimopoulos, Martin T J Balderstone
  • Patent number: 10608918
    Abstract: A method, apparatus, computer-readable medium, and/or system may comprise a computing device comprising a processor and memory storing computer-executable instructions that, when executed by the processor, cause the computing device to generate a first secure session connection between the computing device and a first server associated with a first routing network. The computing device may receive, from the first server and via the first secure session connection, data associated with the first routing network. The computing device may generate a second secure session connection between the computing device and a second server associated with a second routing network. The computing device may receive, from the second server and via the second secure session connection, data associated with the second routing network. The computing device may analyze the data associated with the first routing network and the data associated with the second routing network.
    Type: Grant
    Filed: April 3, 2017
    Date of Patent: March 31, 2020
    Assignee: Bank of America Corporation
    Inventors: Steven M. Twombly, Mark A. Nelson, Bradley Holland, Mark Williams, Matthew Murphy
  • Patent number: 10601232
    Abstract: Systems and methods for hybrid energy harvesting for transaction cards are disclosed. Embodiments include a transaction card comprising a data storage device configured to supply account information to a transaction card terminal, a primary rechargeable power source to allow recharging and further to receive charging energy from the transaction card terminal during a transaction using the card, a secondary rechargeable power source configured to receive energy from the first rechargeable power source, and a power controller configured to control a flow of energy between the first and second rechargeable power sources.
    Type: Grant
    Filed: November 27, 2018
    Date of Patent: March 24, 2020
    Assignee: Capital One Services, LLC
    Inventors: David Wurmfeld, Tyler Locke
  • Patent number: 10586224
    Abstract: Systems and methods for provisioning a prepaid mobile staging account to consumer mobile devices are described that allow issuer financial institutions to quickly and efficiently launch NFC device payment programs. In an embodiment, a staging account provider computer receives a request to provision a prepaid mobile payment staging account that includes identification information and associates the identification information with a prepaid mobile staging account. The staging account provider computer then identifies a financial account of the consumer held by an issuer financial institution (FI), generates a consumer prepaid mobile staging account loaded with funds from the financial account of the consumer, and transmits a confirmation message to the consumer's mobile device indicating successful setup.
    Type: Grant
    Filed: November 30, 2016
    Date of Patent: March 10, 2020
    Assignee: Mastercard International Incorporated
    Inventors: Colin Tanner, Christina E. Sheppard, John Mwangi
  • Patent number: 10579992
    Abstract: One variation of a payment card includes: a sheet comprising first and second icons; a transducer configured to output a voltage in response to an impulse on the sheet; a wireless communication module; a first input region adjacent the first icon; a second input region adjacent the second icon; a magnetic stripe emulator; and a processor configured to transition from a passive state to an active state in response a voltage output from the transducer, to receive a first magnetic sequence command associated with a first payment method and a second magnetic sequence command associated with a second payment method, to assign the first payment method to the first input region and the second payment method to the second input region, to receive a selection for the second payment method from the second input region, and to control the magnetic stripe emulator according to the second magnetic sequence command.
    Type: Grant
    Filed: January 3, 2018
    Date of Patent: March 3, 2020
    Assignee: CardLab ApS.
    Inventors: Thiago Olson, Chris Bartenstein
  • Patent number: 10571999
    Abstract: A system and method including a disposable wearable device that provides enhanced capabilities to a non-wearable device for a limited period of time by sensing proximity and securely exchanging permissions with the non-wearable device. In one embodiment, the wearable device is capable of sensing one or more bio-signals that are provided to the non-wearable, tactile feedback, or the like. The wearable device may be disposable and may also provide additional tactile feedback for the extended feature (e.g. game feedback, etc). In another embodiment, the wearable device is capable of sensing one or more bio-signals that are provided to the non-wearable, tactile feedback, or the like.
    Type: Grant
    Filed: August 14, 2016
    Date of Patent: February 25, 2020
    Assignees: SONY CORPORATION, SONY CORPORATION OF AMERICA
    Inventors: Nobuo Tanaka, Vladimir Elgort, Jacelyn Danielson, Anton Kalachev, John Wong, Behram DaCosta, Udupi Ramanath Bhat, Ludovic Copere, Masaki Kataoka
  • Patent number: 10567156
    Abstract: Methods, systems, and apparatuses for blockchain-based unexpected data detection are described herein. In some arrangements, a node within a decentralized peer-to-peer (e.g., P2P) network may receive a plurality of network function requests corresponding to the decentralized network. The node may analyze the plurality of network function requests to identify whether the requests included unexpected data and/or irregular data, and/or are associated with flagged wallets and/or smart contracts.
    Type: Grant
    Filed: November 30, 2017
    Date of Patent: February 18, 2020
    Assignee: Bank of America Corporation
    Inventors: Joseph Castinado, John C. Checco, Patrick Nicholas Lawrence
  • Patent number: 10558971
    Abstract: A device and a secure element for conducting a secured financial transaction are disclosed. The device comprises a central processing unit; a communication interface for establishing a communication between the device and a financial institution related to a financial account; an interface for acquiring data relating to the financial account; the secure element for processing at least a portion of the data relating to the financial account acquired by the interface; and control logic for acquiring a purchase amount to be debited from the financial account and for obtaining a transaction authorization from the financial institution related to the financial account, the transaction authorization being based, at least partially, on data processed solely by the secure element independently of data processed by the central processing unit. A method of conducting the secured financial transaction, and a computer program product for execution by the secure element are also disclosed.
    Type: Grant
    Filed: January 4, 2018
    Date of Patent: February 11, 2020
    Assignee: MOBEEWAVE, INC.
    Inventors: Sebastien Fontaine, Luc Dolcino, Benjamin Du Hays, Maxime De Nanclas, Xavier Alberti
  • Patent number: 10546289
    Abstract: Methods and systems are disclosed for determining a wallet element for a transaction from among plurality of elements in a mobile wallet application operating on a mobile device. The mobile device, can for example, receive data from a contactless terminal that includes a transaction type such as a payment type or non-payment type transaction. Based on the transaction type and element-selection data such as configuration preferences, usage history or device-specific information, one or more mobile wallet element(s) from among the plurality of mobile wallet elements in the mobile wallet can be determined. The contactless terminal can then be sent wallet element data associated with the particular mobile wallet element.
    Type: Grant
    Filed: December 30, 2015
    Date of Patent: January 28, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Joon Maeng
  • Patent number: 10540729
    Abstract: Methods and systems for location-based mobile wallets are disclosed. A one-time mobile wallet can be established on a mobile device and associated with a travel itinerary. Device data and external data can be used with the travel itinerary to determine a travel assistance action. The location of the mobile device can be determined using GPS and/or contactless terminal data, for example. Based on the location of the mobile device and the travel itinerary, a travel assistance action can be performed. This can, for example, include presenting wallet elements to a user or automatically initiating a phone call to a service provider listed in the travel itinerary. In this way, travel assistance can vary with the location of the mobile device. After expiration of the duration, the one-time mobile wallet can be disabled.
    Type: Grant
    Filed: January 6, 2016
    Date of Patent: January 21, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Joon Maeng
  • Patent number: 10535068
    Abstract: A dynamic transaction card may be paired with a user application executed on a user device card to facilitate multi-factor authentication of a user by utilizing the dynamic transaction card as a physical token. Various communication technologies may be utilized to create a connection between the dynamic transaction card and the user device application which may include wireless connections and physical connections. Validation information stored in a passive tag on the dynamic transaction card may be received by the user device application, which may evaluate the connection between the dynamic transaction card and the user device, log in credentials of the user, and user information stored in a digital security delivery storage to authenticate the user. This unique pairing of the dynamic transaction card and user device application may automatically facilitate a secure multi-factor authentication by utilizing the dynamic transaction card as a physical token.
    Type: Grant
    Filed: July 27, 2017
    Date of Patent: January 14, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Tyler Locke, Kevin Kelly
  • Patent number: 10528938
    Abstract: A system for loading a prepaid card using a mobile device, the mobile device comprising a unique identifier stored in a data memory device of the mobile device, a card reader coupled to the mobile device, the card reader configured to read data from a data memory device of the prepaid card, a remote card loading system operating on the mobile device and configured to receive the prepaid card data from the card reader and to transmit the unique identifier, prepaid card value data and prepaid card activation data to a prepaid card management system and a loader authorization system operating on a processor and configured to receive the mobile device identification data, the prepaid card value data and the prepaid card activation data and to activate the prepaid card for use with a financial transaction processing system.
    Type: Grant
    Filed: May 16, 2014
    Date of Patent: January 7, 2020
    Assignee: CardLab, Inc.
    Inventors: Brian Winfield, David S. Jones
  • Patent number: 10530937
    Abstract: A process for handling wireless service and wireless device transaction and information requests includes storing in a database wireless service information responses, wireless service transaction responses, wireless device information responses, and wireless device transaction responses. The process including receiving and analyzing a keyword, obtaining a response, based at least on the keyword, and transmitting the response.
    Type: Grant
    Filed: May 1, 2018
    Date of Patent: January 7, 2020
    Assignee: TracFone Wireless, Inc.
    Inventors: James Zimmerman, Ricky Ramon, Stephen Ritter
  • Patent number: 10521777
    Abstract: Provided is a method for crypto digital currency transfers via a mobile and wearable device. The method may include receiving a transfer request with a transfer amount in crypto digital currency and user identification data associated with the user, retrieving payment data of the user associated with the identification data, generating an optical code encoding the payment data and the transfer amount. The method may continue with providing the optical code on a screen of the mobile and wearable device. On scanning of the optical code, a transfer receiving request is created. The method may continue with receiving the transfer receiving request to perform a payment transaction associated with the user, accessing a user account maintained by a currency issuance unit, and transferring the transfer amount in the crypto digital currency from the user account to a recipient account associated with the recipient identification data.
    Type: Grant
    Filed: July 1, 2019
    Date of Patent: December 31, 2019
    Assignee: WORLD AWARD FOUNDATION INC, AB STABLE GROUP LLC, MOBILE PAY, INC
    Inventors: Andrew H B Zhou, Tiger T G Zhou, Zhou Tian Xing
  • Patent number: 10515347
    Abstract: Techniques for transacting with a kiosk are provided. A user activates a remoting feature of a kiosk. A kiosk agent on the kiosk directly or indirectly causes a link to be sent to a mobile device of the user. The link when activated on the mobile device providing an interface for transacting with the kiosk from the mobile device.
    Type: Grant
    Filed: January 31, 2014
    Date of Patent: December 24, 2019
    Assignee: NCR Corporation
    Inventors: Venkataramana Ans, Marreddy Thumma
  • Patent number: 10504107
    Abstract: Provided are a system and method for a mobile payment. In one example, the method may include determining an amount of digital wallets installed on a mobile device, and in response to determining that a plurality of digital wallets are installed on the mobile device, displaying a smart button on a merchant checkout page. When the smart button is selected by a user of the mobile device, the method may further include displaying a payment option selection screen that enables the user of the mobile device to select a payment card from any digital wallet from among the plurality of digital wallets as a method of payment for the transaction.
    Type: Grant
    Filed: March 7, 2016
    Date of Patent: December 10, 2019
    Assignee: Mastercard International Incorporated
    Inventors: Todd Allan Healy, Stephanie Yim
  • Patent number: 10504102
    Abstract: A device and a secure element for conducting a secured financial transaction are disclosed. The device comprises a central processing unit; a communication interface for establishing a communication between the device and a financial institution related to a financial account; an interface for acquiring data relating to the financial account; the secure element for processing at least a portion of the data relating to the financial account acquired by the interface; and control logic for acquiring a purchase amount to be debited from the financial account and for obtaining a transaction authorization from the financial institution related to the financial account, the transaction authorization being based, at least partially, on data processed solely by the secure element independently of data processed by the central processing unit. A method of conducting the secured financial transaction, and a computer program product for execution by the secure element are also disclosed.
    Type: Grant
    Filed: January 18, 2019
    Date of Patent: December 10, 2019
    Assignee: MOBEEWAVE, INC.
    Inventors: Sebastien Fontaine, Luc Dolcino, Benjamin Du Hays, Maxime De Nanclas, Xavier Alberti
  • Patent number: 10504101
    Abstract: A device and a secure element for conducting a secured financial transaction are disclosed. The device comprises a central processing unit; a communication interface for establishing a communication between the device and a financial institution related to a financial account; an interface for acquiring data relating to the financial account; the secure element for processing at least a portion of the data relating to the financial account acquired by the interface; and control logic for acquiring a purchase amount to be debited from the financial account and for obtaining a transaction authorization from the financial institution related to the financial account, the transaction authorization being based, at least partially, on data processed solely by the secure element independently of data processed by the central processing unit. A method of conducting the secured financial transaction, and a computer program product for execution by the secure element are also disclosed.
    Type: Grant
    Filed: January 18, 2019
    Date of Patent: December 10, 2019
    Assignee: MOBEEWAVE, INC.
    Inventors: Sebastien Fontaine, Luc Dolcino, Benjamin Du Hays, Maxime De Nanclas, Xavier Alberti
  • Patent number: 10489777
    Abstract: The described system and method allows a contact such as a mobile phone number to be associated with a specific mobile wallet account and by submitting a mobile phone number to an ecommerce site, a URL will be communicated to the contact which opens the payment wallet with the relevant information from the ecommerce transaction.
    Type: Grant
    Filed: January 5, 2016
    Date of Patent: November 26, 2019
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Sidharta Surya Kusnanto, Santosh Shahane
  • Patent number: 10489773
    Abstract: A merchant system for passively closing a patron's pre-authorized tab, with an associated payment token, set up with a computer device in communication with the merchant system, said system including one or more processors in communication with data storage, said processors being configured to execute computer readable instructions stored on said data storage for performing the steps of (a) determining if the pre-authorized tab should be passively closed; (b) if the pre-authorized tab should be passively closed, then performing the steps of (i) generating a total amount spent on goods and/or service ordered by the patron; (ii) sending the total amount spent and the payment token associated with the pre-authorized tab to an online service for authentication so as to pay the merchant; and (iii) closing the pre-authorized tab.
    Type: Grant
    Filed: September 12, 2016
    Date of Patent: November 26, 2019
    Assignee: MASTERCARD ASIA/PACIFIC PTE. LTD
    Inventors: Benjamin Charles Gilbey, Vijin Venugopalan
  • Patent number: 10482492
    Abstract: A method and system for determining attribution for a computing device, which includes receiving an attribution request, wherein the attribution request includes at least a specific computing device identifier and an indication of an advertisement; identifying a digital token number associated with the specific computing device identifier; identifying a primary account number corresponding to the identified digital token number and one or more alternative digital token numbers also corresponding to the identified digital token number; identifying a transaction data entry related to an electronic transaction, wherein the transaction data entry includes transaction data and one of: the digital token number, the primary account number, and one of the one or more alternative digital token numbers; and electronically transmitting an attribution message to the third party entity, wherein the attribution message includes attribution of the indicated advertisement to the related electronic transaction.
    Type: Grant
    Filed: April 19, 2016
    Date of Patent: November 19, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Eugene Khvostov, Shoshana Rosenfield
  • Patent number: 10482434
    Abstract: Various embodiments herein each include at least one of systems, methods, and software for value transfer between disparate systems. One such embodiment includes receiving a transfer request to transfer a value from a first account provider to an account maintained with a second account provider and including data identifying an individual or entity that initiated the transfer request. This method also includes identifying the second account provider based on data included in the transfer request and generating a request to transfer the value of the transfer request to the account in a format compatible with the second account provider. The method may then transmit the generated request to the second account provider.
    Type: Grant
    Filed: March 23, 2016
    Date of Patent: November 19, 2019
    Assignee: NCR Corporation
    Inventors: Mohammad Jamal Mohiuddin, Sanjay Menghani, Bhanu Prakash Singh
  • Patent number: 10476870
    Abstract: A web application that is attempting to access a site hosted by a system that needs authentication based on a hardware-protected key is redirected to a local authority service on the machine. The local authority service interacts with a hardware key reader to obtain authentication information from a hardware key holder. The local authority service illustratively interacts with the system being accessed in order to obtain an operation result, based on the hardware-protected key obtained through the hardware key reader. The operation result is then posted to the web application, by the local authority service, for use in authenticating the user.
    Type: Grant
    Filed: August 25, 2017
    Date of Patent: November 12, 2019
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Yi Zeng, Yu Huang
  • Patent number: 10475037
    Abstract: A computer implemented method of payment. The method includes receiving, via a digital communication network, guest data corresponding to a transaction. The method also includes securely storing guest identifying information in a guest database and determining, via one or more processors, a guest transaction total based on the number of prior transactions associated with the guest identifying information. The method also includes comparing, via the one or more processors, the guest transaction total to a predetermined threshold number of transactions and determining, via the one or more processors, that the guest transaction total is greater than the predetermined threshold number of transactions. Finally, the method includes, in response to the determination that the guest transaction total is greater than the predetermined number threshold number of transactions, removing a guest transaction option.
    Type: Grant
    Filed: March 30, 2016
    Date of Patent: November 12, 2019
    Assignee: Visa International Service Association
    Inventors: Thomas Purves, Aparna Girish
  • Patent number: 10467521
    Abstract: A payment card (e.g., credit and/or debit card) or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. Gift cards may be inputted by a user into such a payment card or other device such that a user can combine gift cards. Similarly, a user be provided with a global payment account that can be utilized in multiple countries that have different standards for formatting data. A user may be provided with a default country (e.g., United States) but may have a way to select that the user is in a different country (e.g., Japan). Accordingly, a user may select that a Japanese data structure be transmitted through a magnetic stripe reader when the user is in Japan.
    Type: Grant
    Filed: December 19, 2008
    Date of Patent: November 5, 2019
    Assignee: DYNAMICS INC.
    Inventors: Jeffrey D. Mullen, David Lambeth, Bruce Cloutier
  • Patent number: 10455048
    Abstract: A method for storing large amounts of data on a wireless device, said method comprising the steps of placing a wireless device on a wireless transmission unit; initializing the wireless device for transmission of data; authenticating the wireless device with an associated account or profile; verifying the storage capacity of the wireless device; determining what wireless standard is implemented by the device; and transmitting data to the wireless device; whereby the transmitted information may be later viewed and or accessed locally from the wireless device.
    Type: Grant
    Filed: April 24, 2015
    Date of Patent: October 22, 2019
    Assignee: WISILICA INC.
    Inventors: Suresh Kumar Singamsetty, Dennis Ching Chung Kwan
  • Patent number: 10440019
    Abstract: A computer-implemented method, computer device and computer system for detecting multiple users based on a biometric user profile and/or a behavioral user profile.
    Type: Grant
    Filed: April 28, 2017
    Date of Patent: October 8, 2019
    Assignee: BEHAVIOMETRICS AG
    Inventors: Ingo Deutschmann, Neil Costigan, Tony Libell, Peder Nordström