Remote Banking (e.g., Home Banking) Patents (Class 705/42)
  • Patent number: 10262220
    Abstract: A device may capture a plurality of preview frames of a document, and for each preview frame of the plurality of preview frames, process the preview frame to identify an object in the preview frame. Processing the preview frame may include converting the preview frame into a grayscale image, generating a blurred image based on the grayscale image, detecting a plurality of edges in the blurred image, defining at least one bounding rectangle based on the plurality of edges, and determining an outline of the object based on the at least one bounding rectangle. The device may determine whether a value of an image parameter, associated with the one or more preview frames, satisfies a threshold, and provide feedback to a user of the device, or automatically capture an image of the document, based on determining whether the value of the image parameter satisfies the threshold.
    Type: Grant
    Filed: August 20, 2018
    Date of Patent: April 16, 2019
    Assignee: Capital One Services, LLC
    Inventors: Jason Pribble, Daniel Alan Jarvis, Nicholas Capurso, Eric Cerney
  • Patent number: 10242351
    Abstract: Methods, systems, and computer program products for a digital wallet for a group of people. A group of customers may gather for an event, e.g., a party, in which each person in the group may purchase goods or services on behalf of the group from a merchant. A customer device executing a digital wallet application program acts like a wallet for the entire group. The customer device creates group tab. The customer device associates images of each person in the group to the group tab, and submits information on the group, including the images, to a merchant device operated by the merchant. The merchant device opens the group tab for managing purchases related to the group. At the end of the event, upon receiving an input to close the tab, the customer device can receive a single bill including a total amount, and divide the total amount among people in the group.
    Type: Grant
    Filed: November 1, 2017
    Date of Patent: March 26, 2019
    Assignee: SQUARE, INC.
    Inventors: Mathew Wilson, Nicholas Dower, Shawn Morel
  • Patent number: 10223663
    Abstract: The various embodiments herein each include at least one of systems, methods, and software for discrete-event simulation for transaction service point device cash servicing, such as SSTDs. Such embodiments provide a unique, completely different analytic approach, and predicts a more detailed set of intractable insights for efficient servicing cash needs of SSTDs. One example embodiment in the form of a method includes receiving cash state data from an SSTD into an SSTD cash state simulator and applying a set of simulated input demand sequence data to the cash state data to obtain outputs over a simulated period. This method, while executing tracks a simulated cash state of the SSTD from which the SSTD cash state data was received over the simulated period to identify SSTD servicing needs. The method then stores the identified SSTD servicing needs in an SSTD management module.
    Type: Grant
    Filed: July 31, 2017
    Date of Patent: March 5, 2019
    Assignee: NCR Corporation
    Inventor: Charles Robert Cash
  • Patent number: 10217093
    Abstract: Systems and methods for locating a cash provider using location-based technologies and transfer funds include receiving a request for cash that includes location data obtained from a location-based technology from a withdrawing party device, searching a network of active providing parties for an available providing party based on withdrawing party preferences and the location data, transmitting an alert to an available providing party device, transmitting available providing party data to withdrawing party if the providing party has confirmed availability, receiving a request to transfer a withdrawal amount from an account associated with the withdrawing party device to an account associated with a selected providing party device, receiving confirmation from the withdrawing party device that the withdrawing party has received cash, transferring the withdrawal amount from the withdrawing party to the selected providing party, and transmitting an alert to the selected providing party device that the withdrawal
    Type: Grant
    Filed: November 16, 2015
    Date of Patent: February 26, 2019
    Inventors: Dwij Trivedi, Frank Marcheski
  • Patent number: 10209892
    Abstract: Examples include the storage of format-aware filter format tracking states. Some examples include storage of a format tracking state for a format aware filter in a backup system in association with a backup object, access of the format tracking state from the backup system in response to detection of a potential continuation of a backup image, and applying the format-aware filter using the accessed format tracking state.
    Type: Grant
    Filed: November 28, 2016
    Date of Patent: February 19, 2019
    Assignee: Hewlett Packard Enterprise Development LP
    Inventors: Andrew Todd, David Malcolm Falkinder, Ieuan James Henry, Alastair Slater
  • Patent number: 10210493
    Abstract: A system for routing an image file in a network includes primary network resources, secondary network resources, and an image routing processor that receives the image file from a user device via the primary network resources, creates an association in real-time between the image file and an image address that facilitates retrieving the image file from a repository of a financial institution, communicates a message enabling the user device to use the image address to immediately retrieve the image file stored in the repository of the financial institution, receives a user request to retrieve the image file associated with the image address, uses the image address to retrieve the image file from the repository of the financial institution, and routes the image file prior to the secondary network resources posting a financial transaction based on a financial instrument depicted in the image file.
    Type: Grant
    Filed: July 1, 2016
    Date of Patent: February 19, 2019
    Assignee: Bank of America Corporation
    Inventors: Laura J. Redd, Clarence Edward Lee, II, Todd E. Ratts
  • Patent number: 10185959
    Abstract: A funding source is provided by each of a plurality of users for setting up an electronic shared payment pool. A policy governing rights or obligations of each of the users is set up. The includes: for each user, a respective threshold for enabling funds to be pulled automatically from the funding source of said user. The electronic shared payment pool is created based on the respective funding sources and the policy. A detection is made that a user is requesting to use the electronic shared payment pool to pay for a prospective transaction. In response to the detection, funds are pulled from the funding sources into the electronic shared payment pool. The funds are pulled automatically without requiring an approval from each of the users as long as the pulled amount is below the threshold for that user. The prospective transaction is facilitated using the electronic shared payment pool.
    Type: Grant
    Filed: February 20, 2018
    Date of Patent: January 22, 2019
    Assignee: PAYPAL, INC.
    Inventors: Firat S. Atagun, Gopi Krishna, Srinivasan Raman
  • Patent number: 10169784
    Abstract: Customers of a financial institution may apply for a line of credit for use with, e.g., a web-based bill pay service. The credit line may be determined using an average value of the customer's previously direct-deposited paychecks and an analysis of the customer's spending behavior using the web-based bill pay service. In some implementations, the financial institution may aggregate data points associated with the customer to make a determination of an amount, an interest rate, and a term of the line of credit. The line of credit may be used to pay bills from a financial services institution and unrelated third-party billers with which the customer has a payment history, as well as provide for cash for use by the customer.
    Type: Grant
    Filed: March 23, 2009
    Date of Patent: January 1, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventor: Marc William Hildebrand
  • Patent number: 10163083
    Abstract: Embodiments of the invention are directed to systems, methods and computer program products for use in streamlining customer finance and customer money management platforms and providing electronic financial management. An exemplary apparatus may be configured to provide access to a funds transfer management portal that interfaces with at least one database to access a customer's financial information for use in presenting account activity associated with at least one of the customer's accounts maintained by a financial institution. The system receives a request to view account activity in which the request specifies a format for viewing the account activity. In response to receiving the request, the system retrieves data related to one or more funds transfers associated with the at least one account and present the account activity in the requested format for viewing the account activity.
    Type: Grant
    Filed: April 13, 2015
    Date of Patent: December 25, 2018
    Assignee: Bank of America Corporation
    Inventors: Anthony David Guido, Melanie Ann Soranno, Jeffrey John Parker, Amanda Jane Holcomb, Richard Andrew Starbuck, James Kevin Cobb, Dariane Katinka Hunt, Jay G. Frater, Robert Osmer
  • Patent number: 10165147
    Abstract: An image processing apparatus includes a scanner, a communication interface, and a controller. The controller is configured to generate property and setting data of image data that is generated based on image scanning by the scanner, and control the communication interface to transmit the image data and the property and setting data thereof to a server connected to the image processing apparatus through a network, so that the image data and the property and setting data thereof are stored therein in association with each other.
    Type: Grant
    Filed: August 30, 2016
    Date of Patent: December 25, 2018
    Inventors: Toshihiro Ida, Hiroshi Watanabe, Kazuhiro Ogura, Takahiro Hagiwara, Shinji Makishima, Akihiro Mizutani, Yusuke Hamada, Ken Sakuta
  • Patent number: 10153983
    Abstract: Systems, apparatus are defined that provide for determining optimal resource channels for delivering resources using contextual and prior usage data analysis. As such, the present invention is able to determine and communicate to the resource presenter the optimal resource channel, in which optimal is defined as being most beneficial to the resource presenter and/or resource processor. In this regard, the present invention takes into account the efficiency (i.e., time to process), cost, security, usage, and other benefits associated with the resource presenter and/or resource processor in determining which resource channel is optimal for any given resource delivery event.
    Type: Grant
    Filed: November 4, 2016
    Date of Patent: December 11, 2018
    Inventors: Joseph Benjamin Castinado, Sean Michael Gutman, Phillip Wade Mork, Sandeep Kumar Chauhan
  • Patent number: 10133795
    Abstract: A system, method and apparatus for providing real-time tracking of user personalized metrics from a database are provided. A request is received from a user device for personalized metrics data from a customer relationship management (CRM) application. A home page user interface is transmitted for display on the user device. The home page user interface provides several icons for user selection, where each of the several icons corresponds to a unique personal metrics category. A selection of one of the several icons is received. A user interface for a personal metrics category corresponding to the selected icon is transmitted for display on the user device. The user interface provides for display on the user device at least one personalized metrics data corresponding to the personal metrics category.
    Type: Grant
    Filed: March 23, 2015
    Date of Patent: November 20, 2018
    Assignee:, inc.
    Inventors: Cameron Rose Reed, Lajja Mehta, Kapil Reddy Gowru, Pierre-Marie Dartus, Angela Lee Sy
  • Patent number: 10127528
    Abstract: A financial services ecosystem for providing a collaborative worldwide payment system includes: a computer-based system configured to credit a merchant, by way of a merchant bank, for goods sold or services rendered to a consumer; and a payment process platform configured to receive data from a user application. The payment process platform is configured to generate a disposable bank identification number (BIN). The disposable BIN is converted from a BIN issued by a financial institution or credit card company. The disposable BIN is used by a biller as an authorization BIN to document that the consumer has paid a bill.
    Type: Grant
    Filed: December 18, 2014
    Date of Patent: November 13, 2018
    Assignee: MovoCash, Inc.
    Inventor: Eric A. Solis
  • Patent number: 10110707
    Abstract: Chaining virtual network functions is provided using a remote direct memory access in software-defined data centers in order to minimize latency. A data packet is processed using a virtual network function of the computer. The data packet is inserted into a shared memory pool for processing via remote direct memory access by a remote computer according to a network function of the remote computer that corresponds to the network function of the computer. The data packet is sent to a target destination device via a network in response to the remote computer marking the data packet as processed in the shared memory pool.
    Type: Grant
    Filed: December 11, 2015
    Date of Patent: October 23, 2018
    Assignee: International Business Machines Corporation
    Inventors: Jinho Hwang, Shriram Rajagopalan
  • Patent number: 10096014
    Abstract: Embodiments of the disclosure include systems, methods, and devices for processing payments for a card. Such embodiments include receiving payment information from a payor at an intermediate entity server as well as authorizing the payment transaction, by the intermediate entity server, based on the payment information. Further such embodiments include providing instructions, by the intermediate entity, to debit a payor card account and credit payee shadow ledger account based on the payment information as well as providing instructions, by the intermediate entity, to debit the payee shadow ledger account and to credit the payee card account based on payment rules.
    Type: Grant
    Filed: July 9, 2014
    Date of Patent: October 9, 2018
    Inventor: Hossein Mohsenzadeh
  • Patent number: 10097724
    Abstract: A system includes a storage unit, a generation unit, a comparison unit, a determination unit, and an execution unit. The storage unit stores coordinates of regions included in a document and identification information of the regions. The generation unit generates regions to be subjected to character recognition in a newly-received document. The comparison unit compares the generated regions coordinates and the stored regions coordinates. The determination unit determines identification information corresponding to the generated regions coordinates according to the identification information corresponding to the regions stored in the storage unit and a comparison result of the comparison unit. The execution unit specifies a script for inputting, to an application, text information obtained by the character recognition performed on the generated regions in accordance with the determined identification information and executes the specified script.
    Type: Grant
    Filed: March 4, 2016
    Date of Patent: October 9, 2018
    Assignee: Canon Kabushiki Kaisha
    Inventor: Yoshihito Nanaumi
  • Patent number: 10084848
    Abstract: A method and system for centralized control of user devices is disclosed. The method for centralized control of user devices via universal IP services registrar includes receiving a request to register a user device for a plurality of services, registering the user device for the plurality of services by creating a user settings profile for the user for each of the plurality of services, receiving data from the plurality of registered services, and transmitting received data to the user device in accordance with the user profile.
    Type: Grant
    Filed: October 16, 2012
    Date of Patent: September 25, 2018
    Assignee: AT&T Intellectual Property I, L.P.
    Inventors: Steven A. Siegel, Reuben Klein, Leopold B. Strahs
  • Patent number: 10083438
    Abstract: Systems and methods are provided for activating a function of an account card based on physical devices interactions such as a motion pattern detected by the account card. In some embodiments, the account card may include one or more sensors and processing capabilities sufficient to store a motion pattern, detect a motion pattern representing movement of the account card, compare the detected motion pattern to the stored motion pattern, and activate one or more functions of the account card based on the comparison. In some embodiments, the one or more functions may relate to account information communication, such as writing a magnetic stripe, unblocking a magnetic stripe, activating a near field communication chip, displaying an account number, providing power to an antenna, or otherwise enabling communication of the account number based on the capabilities of the card.
    Type: Grant
    Filed: February 16, 2018
    Date of Patent: September 25, 2018
    Assignee: Capital One Services, LLC
    Inventors: Matthew Stern, Makiko Taniguchi, Dan Makoski, Lin Yang, Carl Cepress, Austin Anderson, Jason Deperro
  • Patent number: 10073985
    Abstract: An apparatus and method for securing sensitive data on a mobile device are provided. The method includes receiving an encryption or decryption request for the sensitive data on the mobile device, forwarding a file access request for the sensitive data to a secure environment, instantiating a trusted user interface (TUI), collecting user input via the TUI, generating a key using the collected user input, and encrypting or decrypting the sensitive data on the mobile device.
    Type: Grant
    Filed: February 23, 2016
    Date of Patent: September 11, 2018
    Assignee: Samsung Electronics Co., Ltd.
    Inventor: Antonios Dimitrios Broumas
  • Patent number: 10055924
    Abstract: A bill processing device includes: a device main body including a depositing portion; a plurality of storage boxes where each has an outlet port; a dispensing box including a bill output port; an outlet door configured to open and close the outlet port of each of the storage boxes; a plurality of outlet port detectors where each is configured to detect the outlet port being opened by the outlet door; and a controller configured to determine that cash balance is unknown only when at least one of the outlet port detectors detects that the outlet port is opened.
    Type: Grant
    Filed: September 1, 2017
    Date of Patent: August 21, 2018
    Assignee: FUJI ELECTRIC CO., LTD.
    Inventors: Toshinori Hemmi, Toshinori Shigeyama, Masao Nakayama, Masayuki Higashi
  • Patent number: 10037526
    Abstract: A method includes receiving a request to process, against an electronic wallet, a portion of a transaction, an electronic wallet optionally comprising a sub-wallet, the transaction processed against the wallet and/or sub-wallet. The method further includes identifying one or more electronic value tokens in the e-wallet and/or sub-wallet that, when used together, will cover the portion of the transaction. The method further includes applying the electronic value tokens to the portion of the transaction.
    Type: Grant
    Filed: August 6, 2014
    Date of Patent: July 31, 2018
    Inventor: Tomas Ariel Campos
  • Patent number: 10009177
    Abstract: Apparatuses, methods, and systems pertaining to the verification of portable consumer devices are disclosed. In one implementation, a verification token is communicatively coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a device verification value to the verification token, and optionally to a payment processing network. The verification token may enter the device verification value into a CVV field of a web page appearing on the computer's display, or may display the value to the user using the computer's display.
    Type: Grant
    Filed: March 15, 2016
    Date of Patent: June 26, 2018
    Assignee: Visa International Service Association
    Inventor: Ayman Hammad
  • Patent number: 10002384
    Abstract: A system, method, and card are disclosed for operating in conjunction with a financial account in order to automatically convey information to an account holder by directing the information to the card associated with the financial account. The card may include a display. The system may include an event detection module for detecting an event related to the financial account, a message selection component for selecting an account-related message corresponding to the event detected by the detection module, and a message generation module for generating the account-related message and transmitting the account-related message to the card associated with the financial account. The card conveys the account-related message on the display and may prompt the user to contact a card issuer.
    Type: Grant
    Filed: December 20, 2007
    Date of Patent: June 19, 2018
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Marc J. Fink, Robert Birnbaum, Matthew John McGough
  • Patent number: 9965753
    Abstract: A scanner recognizes types of images and components of those image types. Custom routing rules are applied against the types and components and the scanner utilizes multiple network connections to route the images and components to destinations within a Point-Of-Sale (POS) terminal and external to the POS terminal over a Wide-Area Network (WAN) and/or a Local-Area Network (LAN).
    Type: Grant
    Filed: July 31, 2015
    Date of Patent: May 8, 2018
    Assignee: NCR Corporation
    Inventors: Peter R. Charpentier, Jason Rambler
  • Patent number: 9904926
    Abstract: A method of verifying a receiving of an item by a purchaser is disclosed. An indication that the purchaser agreed to purchase the item is received. A record is added to a purchase history associated with the purchaser, the record including a data item pertaining to the purchasing of the item. A notification that the purchaser has scanned information from a label on a package is received. It is determined that the package contains the item based on a correspondence between the data item and the information from the label. The record is updated to include verification data that the purchaser received the item.
    Type: Grant
    Filed: August 31, 2012
    Date of Patent: February 27, 2018
    Assignee: eBay Inc.
    Inventors: Nilesh Mahajan, Srinivasa Pasupulati, Niccolas Conlin
  • Patent number: 9892467
    Abstract: Methods, systems, and apparatuses for improving the handling and interaction of charge events in a business using services of a multi-tenant computing platform, such as accounting, CRM, ERP, and the like. Embodiments are directed to implementing and using a charge record to enable efficient use of charges originating from multiple sources to generate reports and forecasts for multiple other services and/or recipients. In one embodiment, the charge record defines a single-source of data which enables maintaining critical business information in synchronization through a single repository of data. One aspect is to define a single abstraction, the charge record, which all sources can create. Thus, instead of multiple relationship between multiple sources and multiple processes, a charge record provides a single data point for a charge such that charges sources and processes that utilize data from the charge sources may interact using a single type of data record.
    Type: Grant
    Filed: May 8, 2015
    Date of Patent: February 13, 2018
    Assignee: NetSuite Inc.
    Inventors: Dennis Paul Shak, Jeremy John Blanchard, Andrew Owen Vincent, Peter Fung, Xiaozheng (Michael) Ye, Stephen Clode
  • Patent number: 9830591
    Abstract: Methods, systems, and computer-readable media for providing access to account information using authentication tokens are presented. In some embodiments, a customer of a financial institution may visit an account information aggregator site and request to add an account maintained by the financial institution to a collection of accounts for which the aggregator collects account information on behalf of the customer. Rather than providing their username, password, or other bank login credentials to the aggregator, the customer may be redirected to a page provided by the financial institution where the customer can enter the customer's credentials and authenticate with the financial institution. After authenticating the customer, the financial institution may generate a token and provide the token to the aggregator.
    Type: Grant
    Filed: May 27, 2015
    Date of Patent: November 28, 2017
    Assignee: Bank of America Corporation
    Inventors: Kapil Pruthi, Wenhui Meng, Harigopal K. Ponnapalli, Ashish Arora, Kenneth C. Aguiar, Andrew T. Keys, Yair Frankel
  • Patent number: 9779588
    Abstract: A method of method of managing media replenishment at a media terminal, the method comprising: receiving a media event from a media terminal; retrieving a next scheduled media replenishment event for that media terminal; evaluating if the next scheduled media replenishment event is scheduled to occur within an acceptable delay period; and initiating an unscheduled replenishment event only if the next scheduled media replenishment event is scheduled to occur after the acceptable delay period.
    Type: Grant
    Filed: December 19, 2013
    Date of Patent: October 3, 2017
    Assignee: NCR Corporation
    Inventors: Robin Angus, Michael James Neilan, Edgar Rojas, Timothy Brown
  • Patent number: 9760918
    Abstract: A method includes receiving and storing, at a server, retail product data related to a retail product offered for sale at a retailer, the retail product data including text data corresponding to a description of the retail product, price data corresponding to a price of the retail product, and image data corresponding to a graphical image of the retail product. The method also includes receiving, at the server, links to content generated by a content-generating user, the content being associated with retail products. The method also includes identifying, at the server, a link from the plurality of links that corresponds to content associated with the retail product offered for sale at the retailer. The method also includes generating, at the server, a web page that displays the product data, including the text data, the price data, and the image data for the retail product offered for sale at the retailer and that displays the identified link.
    Type: Grant
    Filed: October 17, 2012
    Date of Patent: September 12, 2017
    Inventors: Kenneth A. Barnett, John Andrews, Jay Thornton
  • Patent number: 9710795
    Abstract: The invention presented comprises a system and method for executing a cash payment via a computer network. A payor computing device communicates over a computer network with payee computing devices via a P2P server. The P2P server is operative to receive a payment request from the payor computing device and process the payment by debiting a financial instrument specified by a payor utilizing the payor computing device. The payment request is transmitted from the P2P server to a cash payment server operative to receive the payment request and translate the request into the native format of an ATM control server, the native format of the P2P server and ATM control server not being interoperable. The ATM control server is operative to generate a PIN code, which is transmitted along with the received payment instructions to an ATM.
    Type: Grant
    Filed: March 11, 2013
    Date of Patent: July 18, 2017
    Inventors: Catherine L. Amann, Arthur Barnett, Jaromir G. Divilek, Garling Lee, Eric T. Nissenbaum
  • Patent number: 9704148
    Abstract: An email payment gateway may be configured to send emails to customers, including a plurality of mailto hyperlinks. Each mailto hyperlink may be in the form of a graphical user interface button associated with one or more products. Each button generates a return email message when the button is selected. The generated email message may include one or more parameters related to the one or more products associated with the button, such as an identifier of the product, vendor or particular campaign with which the product is associated. The generated email message may then be transmitted to the email payment gateway. The email payment gateway may receive the message and, based on the parameters in the received message, process payment to complete the customer's purchase of the selected product.
    Type: Grant
    Filed: March 13, 2013
    Date of Patent: July 11, 2017
    Assignee: @PAY IP HOLDINGS LLC
    Inventor: John P. Killoran, Jr.
  • Patent number: 9691065
    Abstract: Embodiments of the present invention are related to systems and methods of verifying the integrity of transactions that traverse through complex system workflows, and particularly, verifying the integrity of financial and non-financial transactions that traverse through a plurality of financial systems making up one or more system workflows. In one embodiment, a clearing system is disclosed to include a central clearing engine configured for processing a plurality of transactions by retrieving transaction data of at least one transaction of the plurality of transactions from at least one data source based on a selection received. After parsing the transaction data, the central clearing engine may verify transaction data integrity based on the transaction data and determine a result, and generate a report based on the result.
    Type: Grant
    Filed: November 15, 2013
    Date of Patent: June 27, 2017
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Christopher Arthur Smith, Lamour Guthrie Roberts, Kin Kei Chau
  • Patent number: 9659421
    Abstract: Systems and methods are provided for remotely controlling access of vehicles into and out of a secured area. At a kiosk located at the point of entry into the secured area, information for identifying a vehicle and/or its driver are obtained via input devices at the kiosk and stored at a remote operations center. While a vehicle is inside the secured area, the stored information may be viewed, modified, and/or supplemented. Once a vehicle is authorized to exit the secured area, an electronic indication is received at the operations center. At a kiosk located at the point of exit from the secured area, identifying information pertaining to the vehicle and/or driver is again obtained. The information is verified at the operations center to ensure a sufficient match with identifying information for the vehicle and/or driver previously stored, before the operation center transmits a signal allowing the vehicle to exit.
    Type: Grant
    Filed: July 6, 2015
    Date of Patent: May 23, 2017
    Inventors: Samantha Boles, Jeff Kwiatkowski
  • Patent number: 9619806
    Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing a system for a peer-to-peer transfer of funds for a specified purpose. An exemplary apparatus is configured to: receive information from a user relating to a peer-to-peer transfer of funds, wherein the information comprises a recipient and a specified use; identify at least one recipient account for the recipient; receive information associated with a transaction; determine the transaction qualifies for the specified use; and apply funds associated with the peer-to-peer transfer to the transaction. The specified purpose may be use at a specific merchant, use to purchase a specific product, or other types of specified uses. Computer program products and methods are also provided.
    Type: Grant
    Filed: September 14, 2012
    Date of Patent: April 11, 2017
    Assignee: Bank of America Corporation
    Inventors: Jason P. Blackhurst, Dean Lyons Henry
  • Patent number: 9582830
    Abstract: Offsite financial account onboarding is provided which creates a more streamlined process for a customer. The customer accesses a money services business electronic system to request financial account setup. The onboarding system establishes account access to a pooled custodial account managed by the money services business based on preliminary identification (ID) data from the customer. With only preliminary ID data, account access limits are assigned which reduces the risk of fraud or criminal activity with the customer's account access. Because account access is established with just the preliminary ID data, the customer may fully obtain account access directly from a mobile device. The money services business provides additional graduated access levels depending on additional ID data provided by the customer. Thus, depending on the type of ID data provided by the customer, the customer's account access will have corresponding access level rights to the custodial account.
    Type: Grant
    Filed: May 16, 2014
    Date of Patent: February 28, 2017
    Inventors: Nicholas P. Johns, Jason J. Hogg, Cory Moreira
  • Patent number: 9557384
    Abstract: A testing device has plural pin electronics substrates and a control substrate. The control substrate includes a first instruction code memory storing an instruction code, a first program counter incrementing a count in synchronization with a clock, a code analysis circuit analyzing the instruction code read from the first instruction code memory in accordance with a counter value, and a control data output control circuit outputting control data for controlling the pin electronics substrates in accordance with the instruction code. Each pin electronics substrate includes a first pin memory storing pin data, a second program counter incrementing a count in synchronization with the clock, and a pin data output control circuit adjusting, based on control data, the count value of the second program counter and outputting pin data read from the first pin memory, the pin data being dependent on the count value of the second program counter.
    Type: Grant
    Filed: November 25, 2013
    Date of Patent: January 31, 2017
    Assignee: Renesas Electronics Corporation
    Inventors: Yukikazu Matsuo, Makoto Nishigaki, Masaru Sugimoto
  • Patent number: 9542058
    Abstract: A method and system for manipulating data that includes accessing content data related to an upcoming event that is scheduled for release. A data record for the event is generated from information about the event such as day and month of release. A first representation of the event release information is displayed on a display module such as a monitor so that position of the release information relates to the date of release. The first representation may then be accessed to display additional data and the position of the event release may change based on changes to the event.
    Type: Grant
    Filed: April 21, 2010
    Date of Patent: January 10, 2017
    Inventors: Melissa Emery, Ivan Gueron, Sung Kim, Adrian McMillian, Gurvinder Singh
  • Patent number: 9530165
    Abstract: A financial transaction system includes: an ATM process substituting server connected to a backbone server that executes a user accounting process through a communication mechanism capable of concealing content of communication; and a transaction screen WEB server connected to the ATM process substituting server and capable of connecting to a user communication terminal. The transaction screen WEB server transmits, to the communication terminal, transaction screen data for the user to input transaction necessary information, receives, from the communication terminal, transaction necessary information data inputted in accordance with the transaction screen data, and transmits the transaction necessary information data to the ATM process substituting server. The ATM process substituting server transmits the transaction necessary information data to the backbone server and transmits a message requesting the user for a specified transaction process.
    Type: Grant
    Filed: June 12, 2008
    Date of Patent: December 27, 2016
    Inventor: Nobuyuki Nonaka
  • Patent number: 9525694
    Abstract: Methods, systems, and computer-readable media for authenticating customers of an organization and managing authenticated sessions of various customers are presented. Some aspects of the disclosure provide ways for a customer of an organization to authenticate using a mobile computing device, such as the customer's personal mobile device, when interacting with the organization in various contexts, such as when accessing an automated transaction device or when interacting with an agent of the organization during an in-person session or during a teleconference session. In some arrangements, the customer's authentication status, which may be established on the mobile computing device and which, in some instances, may be verified based on the location of the mobile computing device, may be carried over from the mobile computing device to another computing device or system, such as an automated transaction device or a teller terminal device, which may be used by an agent of the organization.
    Type: Grant
    Filed: January 15, 2015
    Date of Patent: December 20, 2016
    Assignee: Bank of America Corporation
    Inventor: Mark A. Pender
  • Patent number: 9515984
    Abstract: Methods related to determining and utilizing one or more attributes to associate with an IP addresses. Attributes are determined based on request data provided with requests from an IP address and one or more available secondary information sources. Attributes may include physical locations and/or category designations for the IP address. One or more attributes may be assigned a likelihood value indicative of likelihood that the attribute is associated with the IP address. Some implementations are directed to utilizing the attributes and likelihood values to identify likely fraudulent information provided with requests. Some implementations are directed to utilizing the attributes and likelihood values to provide advertisements in response to requests from IP addresses.
    Type: Grant
    Filed: November 19, 2014
    Date of Patent: December 6, 2016
    Assignee: EL TORO.COM, LLC
    Inventors: Stacy B. Griggs, David T. Stadler, III, Benjamin Charles Woolley
  • Patent number: 9471270
    Abstract: A mobile terminal including a wireless communication unit configured to wirelessly communicate with an external device; a touch screen configured to sense a touch input, and switch between an active state and an inactive state; and a controller configured to receive a plurality of touch inputs applied to the touch screen in the inactive state, and when the received touch inputs satisfy a preset criteria, control the external device to release a locked state of the external device, activate a first region of the touch screen in the inactive state, and display screen information corresponding to the external device in the activated first region of the touch screen.
    Type: Grant
    Filed: December 23, 2014
    Date of Patent: October 18, 2016
    Inventors: Younghak Lee, Inkwan Yeo
  • Patent number: 9413749
    Abstract: A method and system of authenticating a service to access data respective of a user on a low-end mobile device are provided. The method includes receiving a request from a service to access data respective of the user device, wherein the user device is a low-end mobile device; sending the user device a first authentication token over a first communication path; receiving a second authentication token over a second communication path, wherein the second authentication token is received from a host server hosting the service; comparing the first authentication token to the second authentication token; and allowing access to the data upon determination that the first authentication token matches the second authentication token.
    Type: Grant
    Filed: October 25, 2013
    Date of Patent: August 9, 2016
    Assignee: VascoDe Technologies Ltd.
    Inventors: Dorron Mottes, Gil Zaidman, Arnon Yaar, Ophir Marko
  • Patent number: 9350763
    Abstract: Conventional messages sent by sources such as applications executing on a computing device can be intercepted by a message converter module, or other such component, and converted to raw data, binary data, or another appropriate format that is able to be sent using a websocket connection. A websocket connection can provide greater efficiencies in at least some situations, and the intercepting of a message independent of, and transparent to, an application or other such component or module enables the websocket connections to be implemented without knowledge of the connections or conversion by applications at either endpoint.
    Type: Grant
    Filed: April 17, 2012
    Date of Patent: May 24, 2016
    Assignee: Amazon Technologies, Inc.
    Inventors: Jason G. McHugh, Abraham M. Passaglia, Ravi R. Subramanian
  • Patent number: 9342611
    Abstract: Methods and systems for sending personal data using a symbology are disclosed. An entity computing device transmits a request to a remote computing device to define a transaction code and an associated symbology used to request personal data, which are returned to the requesting entity computing device. The entity displays the symbology in a manner accessible by a user. When a user scans the symbology using a user electronic device, the user electronic device determines the transaction code based on the symbology and transmits the transaction code to the remote computing device. The remote computing device identifies the user of the user electronic device and the personal data to transmit for the user with the user electronic device and transmits the personal data to the entity computing device, which uses the personal data to populate an online form or other construct.
    Type: Grant
    Filed: June 22, 2012
    Date of Patent: May 17, 2016
    Assignee: PAYCHIEF LLC
    Inventors: Andre Gustavo Vellozo Luz, Mauricio Ghetler
  • Patent number: 9300165
    Abstract: Systems, methods, and media for location reporting at a charging area level granularity are provided. The method includes detecting at a mobility management entity (MME) a transition of a user equipment (UE) from a first cell to a second cell to obtain at least a cell identifier. The method also includes determining at the MME whether the UE transition constitutes a transition from a first charging area to a second charging area using the cell identifier by comparing the cell identifier to a charging area configuration, wherein the second charging area includes a plurality of cells that are served by at least one eNodeB. The method further includes providing to a policy server a report of the UE transition, if it is determined that the UE transition constitutes a transition from the first charging area to the second charging area.
    Type: Grant
    Filed: February 27, 2015
    Date of Patent: March 29, 2016
    Inventors: Nirav Salot, Aeneas Dodd-Noble
  • Patent number: 9275380
    Abstract: A method and system is provided that enables generation of messages for various types of card activated terminal devices such as automated teller machines. Automated teller machines operate responsive to a variety of ATM message formats. The transaction processing system may generate ATM messages one of the ATM message formats using information associated with the ATM message format that is stored in a data store. The transaction processing system may include among its software components a message gateway router (MGR) which is operate to use information stored in the data store to convert messages from an internal message format to a variety of external message formats used by the automated teller machine.
    Type: Grant
    Filed: January 22, 2007
    Date of Patent: March 1, 2016
    Assignee: Diebold, Incorporated
    Inventors: Robert D. Symonds, Irek Singer, Peter St. George, Robert Bradley Gill
  • Patent number: 9252952
    Abstract: Methods and systems for transmitting and receiving are disclosed. For example, a method for establishing secure communications can include measuring one or more human gestures using a sensor on a first device so as to create a first metric of the one or more human gestures, creating a strong encryption key based on the first metric, including time-based information incorporated into the first metric, and communicating to a second device using the strong encryption key to encrypt data sent to the second device.
    Type: Grant
    Filed: December 18, 2013
    Date of Patent: February 2, 2016
    Assignee: Lockheed Martin Corporation
    Inventor: John Stuart Morrison
  • Patent number: 9219753
    Abstract: Techniques for providing data security services with respect to cloud-based services are described. Examples include a security service provider (“SSP”) configured to perform or provide one or more security-related services or functions with respect to or on behalf of some other system or service. The other system or service may be, for example, a cloud-based system that provides network-accessible services. The SSP allows a user of the cloud-based service to provide and manage one or more security-related services, such as data storage, encryption, decryption, key management, and the like. By using and controlling the SSP, the user can be confident that his or her data is being securely represented and stored, even though it is being operated upon by a cloud-based service that is not under the user's control.
    Type: Grant
    Filed: March 4, 2014
    Date of Patent: December 22, 2015
    Assignee: DocuSign, Inc.
    Inventors: Eric Fleischman, Duane Wald, Donald G. Peterson
  • Patent number: 9171331
    Abstract: The present invention is directed to a commercial card packet form system that enables one or more users associated with a financial institution to input information associated with a customer to whom a commercial card (e.g., a purchase card, a travel card, a debit card, a credit card, a temporary card) is being issued. Each user may be granted or denied access to particular fields of information on the commercial card packet form depending on her or his role at the financial institution. The packet form may require reentry of information or user authentication to ensure accuracy of information. Pop-up warnings may alert the one or more users of potentially incomplete fields of information and instruct the one or more users to provide additional information. An audit trail may track updates to information and includes a timestamp and details associated with the user who made the updates.
    Type: Grant
    Filed: July 23, 2014
    Date of Patent: October 27, 2015
    Inventors: Nirmala Gayal, Rahul Mahajan, Raghavendran Narasimhan, Venkatesh Naidu, Neha Chaudhary, Gunveen Singh, Gurdeep Kaur, Kapil Jaggi
  • Patent number: 9158966
    Abstract: An image processing system or electronic device may implement processing circuitry. The processing circuitry may receive an image, such as financial document image. The processing circuitry may determine a character count for the financial document image or particular portions of the financial document image without recognizing any particular character in the financial document image. In that regard, the processing circuitry may determine a top left score for pixels in the financial document, the top left score indicating or representing a likelihood that a particular pixel corresponds to a top left corner of a text character. The processing circuitry may also determine top right score for image pixels. Then, the processing circuitry may identify one or more text chunks using the top left and top rights scores for pixels in the financial document image. The processing circuitry may determine a character count for the identified text chunks.
    Type: Grant
    Filed: October 17, 2013
    Date of Patent: October 13, 2015
    Assignee: United Services Automobile Association
    Inventor: Adam S. Newman