Remote Banking (e.g., Home Banking) Patents (Class 705/42)
  • 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
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    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
    Assignees: SONY CORPORATION, SONY PICTURES ENTERTAINMENT
    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
    Assignee: UNIVERSAL ENTERTAINMENT CORPORATION
    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
    Assignee: LG ELECTRONICS INC.
    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
    Assignee: CISCO TECHNOLOGY, INC.
    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
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Nirmala Gayal, Rahul Mahajan, Raghavendran Narasimhan, Venkatesh Naidu, Neha Chaudhary, Gunveen Singh, Gurdeep Kaur, Kapil Jaggi
  • Patent number: 9159101
    Abstract: An image of a check may be presented for payment in a banking system in place of the physical paper check. The check to be deposited can be collected from a depositor using a scanner. A web site, accessed through a depositor's web browser, can be used to drive the process of collecting the check, but in some contexts (e.g., in less popular computing environments, such as those that do not run the most popular operating systems), it is economically infeasible to obtain the certificates that would be used to allow a program executing in the web browser to control the scanner. Thus, a depositor can be instructed to capture and upload images of the check in the form of files, where the image files are then presented for payment through a banking system.
    Type: Grant
    Filed: December 15, 2011
    Date of Patent: October 13, 2015
    Assignee: United Services Automobile Association (USAA)
    Inventors: Jeff Pollack, Michael Frank Morris, Bharat Prasad, Frank Kyle Major, John Weatherman Brady, Ralph Paige Mawyer, Jr., Clint James Reynolds, Kairav Mahesh Shah
  • 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
  • Patent number: 9141948
    Abstract: Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous payment networks. Consistent with one example system, a software-programmed computer type system receives and processes point-of-sale transaction data to select one of the payment networks associated with a participant ID (e.g., for a buyer or seller) in the transaction data. The system includes a plurality of network-specific interface modules, each associated with a specific payment network for interfacing therewith. For point-of-sale transaction data, the interface module corresponding to the selected payment network communicates payment data to the selected payment network to effect electronic payment for the point-of-sale transaction data.
    Type: Grant
    Filed: October 8, 2010
    Date of Patent: September 22, 2015
    Assignee: U.S. Bank National Association
    Inventor: Mark Dickelman
  • Patent number: 9129279
    Abstract: A financial institution can provide financial services to a plurality of remote devices, such as personal computers, personal data assistants, screen phones, automatic teller machines, external service providers, and internally to staff terminals and individual branches. By separating the components of the system into independent components, the system and method can be developed and tested on a component level rather than the entire system level, thereby reducing the development and maintenance cycle time. The system and method operate in sessions and can employ a dialog component for gathering information from a customer, a rule broker component for providing answers to the various legal and regulatory rules in a particular country, a language man component for selecting appropriate language, a transaction executor component for performing transactions, and a presentation manager component for formatting outputs to the customer.
    Type: Grant
    Filed: September 6, 2013
    Date of Patent: September 8, 2015
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventors: James Zeanah, Charles Abbott, Nik Boyd, Albert Cohen, James Cook, Michael Grandcolas, Sikun Lan, Bonnie Lindsley, Grigor Markarian, Leslie Moss
  • Patent number: 9087354
    Abstract: A method to order a set of paper checks using a mobile device, including obtaining, using the mobile device, an image of a check, analyzing, using a computer processor of the mobile device and based on a pre-determined check template, the image to generate account information of the check, wherein the account information relates to a checking account of an account holder at a financial institution issuing the check, and wherein the account information comprises a checking account number, a name of the account holder, and an address of the account holder, searching, using the computer processor, a database to identify a check ordering service based on the account number and the address of the account holder, and submitting to the check ordering service, using the mobile device, an order of the set of paper checks for the account holder based on the account information of the account holder.
    Type: Grant
    Filed: November 29, 2011
    Date of Patent: July 21, 2015
    Assignee: Intuit Inc.
    Inventor: Santosh V. Hambir
  • Patent number: 9076135
    Abstract: Systems, methods, computer-readable media and apparatuses pre-processing a negotiable instrument, such as a check, are presented. An image of a portion of the check may be received, such as from a mobile device of a user. The portion provided in the image may include a convenience area of the check identifying an amount of the check as a numerical value and a quick response (QR) code. The QR code may contain data such as that contained in the magnetic ink character recognition (MICR) line of the check. The image may be processed to identify one or more options available for continued processing of the check or for cancelling the transaction. The options may be provided to the user, such as via a user interface. In some examples, the user interface may be provided on the mobile device used to capture the image of the portion of the check.
    Type: Grant
    Filed: October 2, 2013
    Date of Patent: July 7, 2015
    Assignee: Bank of America Corporation
    Inventors: Nathan Dent, James David Freedman
  • Patent number: 9066204
    Abstract: Images are transmitted from a server through a cellular network and displayed on a mobile phone. After a predefined time of non-use or via input of a user command, the mobile phone is switched into an inactive mode. When an activating operation is performed, the phone is switched from inactive into locked active mode. An unlocking operation switches the phone from locked active into unlocked active mode. User input is accepted only in unlocked active mode. The server selects a number of images and transmits them to the mobile phone. One of the transmitted images is selected and kept available for display, during locked active mode, the selected image is displayed. A count indicates how many times an image has been displayed, and the count value for each image is transmitted from the mobile phone to the server.
    Type: Grant
    Filed: February 15, 2013
    Date of Patent: June 23, 2015
    Assignee: Abalo Media Holding GmbH
    Inventors: Peter Goetzl, Michael Mass
  • Publication number: 20150149354
    Abstract: According to some embodiments, an apparatus comprises a microphone, one or more processors, and a display. The microphone receives a spoken command. The one or more processors communicate the spoken command to a server and receive an interpretation of the spoken command from the sever. The interpretation of the spoken command comprises information identifying a type of online banking transaction, information identifying one or more fields associated with the type of online banking transaction, and information identifying transactional data included in the spoken command. The one or more processors also populate each of the one or more fields for which the spoken command includes transactional data with the respective transactional data associated with each field. The display displays a pre-confirmation screen. The pre-confirmation screen comprises the one or more fields populated with the respective transactional data.
    Type: Application
    Filed: November 27, 2013
    Publication date: May 28, 2015
    Applicant: Bank of America Corporation
    Inventor: David Cooper McCoy
  • Patent number: 9043240
    Abstract: Systems, apparatus and methods for providing an un-personalized and un-embossed mobile companion prepaid card to a consumer having a mobile wallet account. An embodiment includes a wallet provider computer receiving an approval request from an agent device for a mobile companion prepaid card for a consumer. The process includes the wallet provider computer determining an issuer financial institution (FI) associated with the mobile companion prepaid card, transmitting the approval request to an issuer FI processor, receiving an approval message, and transmitting the approval message and a request to a consumer's mobile device to provide cardholder verification met hod (CVM) data. The method also includes receiving and validating the CVM data, transmitting a mobile companion prepaid card activation request, receiving a confirmation message indicating activation, and transmitting a message confirming activation of the mobile companion prepaid card to the consumer's mobile device.
    Type: Grant
    Filed: February 21, 2014
    Date of Patent: May 26, 2015
    Assignee: MasterCard International Incorporated
    Inventors: Jeffrey Langus, Venu Appana, Rajen S. Prabhu
  • Patent number: 9037510
    Abstract: A technique for transferring money between a customer and a beneficiary comprises a money-transfer company, and a plurality of selling agents and paying agents. The money-transfer company maintains a server, a database, and a communications interface for communicating, via a telephone network and/or the Internet, with data terminals located at the selling and paying agents' sites. Customer transaction cards are distributed to customers. These cards have a visible card number and a corresponding alphanumeric card code stored in, e.g., a magnetic strip. In response to a customer's request, the money-transfer company activates the customer's transaction card by loading customer and beneficiary information into a corresponding transaction card record stored in the database. A selling agent initiates a money-transfer request from a data terminal. Specifically, the selling agent enters a monetary amount and swipes the customer's card in a magnetic strip reader located on the data terminal.
    Type: Grant
    Filed: April 29, 2008
    Date of Patent: May 19, 2015
    Assignee: UniTeller Financial Services, Inc.
    Inventor: Luis Eduardo Gutierrez-Sheris
  • Publication number: 20150134520
    Abstract: Embodiments of the invention are directed to systems, methods and computer program products for enrolling in a direct deposit program via a third party payroll provider. In some embodiments, a system is configured to: receive from a user a request to enroll an account in a direct deposit program; retrieve information associated with the account, based on the request; initiate the presentation of an interface that includes retrieved account information and enables the user to confirm enrollment into the direct deposit program; transmit, upon user confirmation, the retrieved account information to a third party payroll provider.
    Type: Application
    Filed: November 13, 2013
    Publication date: May 14, 2015
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Jason M. Martin, Cathy Rodgers
  • Publication number: 20150134521
    Abstract: A computer system obtains deposit information from a money handling device and projects a number of deposited checks at the money handling device at a subsequent time. The transaction computer determines whether the projected number of deposited checks exceeds a check threshold and generates an indicator whether deposits should be removed from the money handling device based on the determination. The number of deposited checks may be tracked at the money handling device and, if the tracked deposits are trending differently from the projected number of deposited checks, the generated indicator may be adjusted. The projected number of deposited checks at a money handling device may be compensated based on an event such as a special event or holiday. Also, the projected number of deposited checks at the money handling device may be modified when a natural disaster such as a hurricane occurs.
    Type: Application
    Filed: January 21, 2015
    Publication date: May 14, 2015
    Inventor: Dion L. Bellamy
  • Patent number: 9031611
    Abstract: A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server.
    Type: Grant
    Filed: October 12, 2012
    Date of Patent: May 12, 2015
    Inventor: Michelle Fisher
  • Patent number: 9032204
    Abstract: A method and system for signing a digital certificate in real time for accessing a service application hosted within a service provider (SP) computer system through an open application programming interface (API) platform is provided. The API platform is in communication with a memory device. The method includes receiving registration data from a developer computer device wherein the developer computer device is associated with a developer and configured to store a developer application, receiving a certificate signing request (CSR) from the developer computer device wherein the CSR includes a public key associated with the developer, verifying the registration data as being associated with the developer, signing the CSR to produce a signed certificate after verifying the registration data wherein the verifying and signing steps are performed by the SP computer system in real time, and transmitting the signed certificate and a client ID to the developer computer device.
    Type: Grant
    Filed: December 22, 2011
    Date of Patent: May 12, 2015
    Assignee: MasterCard International Incorporated
    Inventors: Nathaniel David Byrd, Jenny Qian Zhang, Eric G. Alger
  • Patent number: 9026991
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for a customizable financial application. This invention allows a user to customize an application, such as an application for a mobile smart phone, to display information or perform actions using data stored by a financial institution, including data about the customer and more general financial data.
    Type: Grant
    Filed: February 18, 2011
    Date of Patent: May 5, 2015
    Assignee: Bank of America Corporation
    Inventor: Erik Stephen Ross
  • Publication number: 20150120572
    Abstract: A mobile deposit application including a remotely accessible bank administrative interface module for setting a plurality of geographic-based security rules, a rules module communicative coupled to the bank administrative interface module, the rules module comprising bank-definable location parameters for enabling mobile deposit based on the geographic location of a mobile device, a geolocation module communicatively coupled to the rules module, the geolocation module receives coordinates of the mobile device and applies said coordinates to the rules module to determine if mobile deposit features are enabled or disabled and an exception presentation module communicatively coupled to the rules module, the exception presentation module displaying notifications to the mobile device responsive to a disabling of the mobile deposit features responsive to the geolocation module reporting the mobile device falls outside the bank-definable location parameters.
    Type: Application
    Filed: December 30, 2013
    Publication date: April 30, 2015
    Applicant: Nitro Mobile Solutions, LLC
    Inventor: Peter C. Slade
  • Publication number: 20150120543
    Abstract: A method of iris scanning and proximity sensing, which includes receiving and photographing an iris in the iris scanning mode of the subject computer, laptop, mobile device or tablet, smartphone or i-phone; sensing for the available amount of necessary light and whether the iris is within the desired range to ensure proper acquisition of the sample. The iris is then photographed. The method provides for recognizing the iris utilizing the previously photographed iris image and converting the photographed iris image to an encrypted mathematical value, which will then be stored within the acquiring electronic device such as computer, laptop, smartphone; i-phone; mobile device or tablet, to be compared for future reference against any subject photographed iris. If any subsequently photographed iris matches the encrypted mathematical stored image, access to the device is granted. If the subsequently photographed iris does not match the encrypted mathematical stored image, access is denied.
    Type: Application
    Filed: May 30, 2014
    Publication date: April 30, 2015
    Inventor: Kenneth Carnesi, SR.
  • Publication number: 20150120540
    Abstract: A check cashing system is configured to scan in a check to be cashed and scan a customer ID of a customer cashing the check. Information for the customer, including check cashing history, information for the maker of the check and other information is displayed to verify the authenticity of the check. Also, warnings are displayed if the check is considered fraudulent based on whether criteria are met.
    Type: Application
    Filed: May 5, 2014
    Publication date: April 30, 2015
    Applicant: Mastersoft Technologies LLC
    Inventors: Dharmesh MEHTA, Prashant Rami
  • Patent number: 9019066
    Abstract: A terminal, such as an automated teller machine, comprises: a customer identification device; a sensor for detecting presence of a customer at the terminal; and a controller coupled to the customer identification device and the sensor. The controller is programmed to (i) track the customer's location, (ii) create a session on identification of a customer, and (iii) close the created session when a customer absence criterion is fulfilled. The functions of the customer identification device and the sensor may be performed by a single unit. The customer absence criterion may comprise a time period during which the customer is not detected at the terminal.
    Type: Grant
    Filed: August 2, 2007
    Date of Patent: April 28, 2015
    Assignee: NCR Corporation
    Inventors: Jonathan S. Black, Michael R. McNamara
  • Patent number: 9020836
    Abstract: A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server.
    Type: Grant
    Filed: September 14, 2012
    Date of Patent: April 28, 2015
    Inventors: Michelle Fisher, Rathin Guha
  • Patent number: 9015063
    Abstract: A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server.
    Type: Grant
    Filed: October 12, 2012
    Date of Patent: April 21, 2015
    Inventor: Michelle Fisher
  • Publication number: 20150100475
    Abstract: Exemplary systems and methods of the disclosure are directed to managing payday accounts over a mobile network. The system includes at least one mobile computing device and at least one host computing device. The mobile computing device is associated with a customer and configured to retrieve customer account information from the host computing device over the network. The mobile computing device generates a customized payday product menu based on the customer account information. The customer account information indicates a status of active payday accounts for the customer or the customer's eligibility for opening new payday accounts.
    Type: Application
    Filed: October 9, 2014
    Publication date: April 9, 2015
    Applicant: DOLLAR FINANCIAL GROUP, INC.
    Inventors: Bruce David CUMMINGS, Nicholas Bosch, Michael Coury
  • Publication number: 20150088740
    Abstract: A system and method of transmitting a check-type payment between a payor and a payee using a third-party service includes registering a payor, receiving a check-type payment request from the payor by the third-party service, generating a unique identifier for the check-type payment request and associating payment information with the unique identifier, transmitting a payment notice to the payee, receiving a deposit request to a deposit account from the payee by the third-party, generating a depositable item responsive to the deposit request, and depositing the depositable item into the deposit account by the third-party service.
    Type: Application
    Filed: December 5, 2014
    Publication date: March 26, 2015
    Inventors: Paul F. Doyle, Dean Tribble
  • Publication number: 20150088739
    Abstract: A method is disclosed herein in accordance with an embodiment of the present invention. The method may include deriving at a mobile transaction platform a multi-dimensional context from one or more user transactions and determining at least one life occurrence based, at least in part, on the multi-dimensional context. The one or more user transactions may be conducted through the mobile transaction platform. The one or more user transactions may be stored on a third-party source. In an aspect, the at least one life occurrence has yet to occur. In another aspect of the invention, the life occurrence has already occurred. The multi-dimensional context may include at least one of user location information and life occurrence location information. The multi-dimensional context may include at least one of a time of life occurrence and a current time.
    Type: Application
    Filed: June 27, 2014
    Publication date: March 26, 2015
    Inventors: Mehul Desai, Nehal Maniar
  • Patent number: 8988418
    Abstract: A system and method for the aesthetic design of a modular assemblage, comprising means for providing a client graphic user interface for receiving an input for defining parameters of the modular assemblage, and for presenting an image of the defined modular assemblage; communicating a code to a server representing the defined parameters; at the server, in dependence on the communicated code, defining a set of graphic elements corresponding to the defined modular assemblage; communicating the graphic elements from the server to the client; and displaying, at the client, the graphic elements received from the server to represent the defined modular assemblage.
    Type: Grant
    Filed: July 2, 2012
    Date of Patent: March 24, 2015
    Assignee: Florelle, Inc.
    Inventors: Kenneth Banschick, Andrei Gurulev
  • Patent number: 8983867
    Abstract: A credibility scoring system produces a multi-dimensional entity credibility score that is derived from multiple dimensional component scores. The credibility scoring system derives each dimensional component score from a different set of credibility data pertaining to different dimensional aspect of overall credibility. The different dimensional aspects factoring into the overall credibility determination include a stability dimension, transparency dimension, trustworthiness dimension, and sentiment dimension.
    Type: Grant
    Filed: March 6, 2014
    Date of Patent: March 17, 2015
    Assignee: Credibility Corp.
    Inventors: Jeffrey M. Stibel, Wisdom Lu, Aaron B. Stibel, Judith G. Hackett, Moujan Kazerani
  • Patent number: 8965801
    Abstract: A method of providing support services as a service is presented. For example, the method includes providing to a service provider one or more service modules operative to provide the support services to the service provider. The one or more service modules are provided by one or more suppliers of the support services and include instruction code operative to be performed on a processor device and one or more application programming interfaces operative for programmatic access to the one or more service module. The service modules may further include one or more user interfaces operative for interactive access to a respective service module. The one or more service modules may include, for example, one or more of a profile service module, an offering service module, a customer service module, a process service module, a user interface service module and a revenue service module.
    Type: Grant
    Filed: March 31, 2010
    Date of Patent: February 24, 2015
    Assignee: International Business Machines Corporation
    Inventors: Deng Yu, Michael Reuben Head, Andrzej Kochut, Jonathan Paul Munson, Anca Sailer, Hidayatullah Habeebullah Shaikh
  • Publication number: 20150052050
    Abstract: Methods and systems for managing transactional risk involve, for example, receiving and assessing, using a processor coupled to memory, entity payment transaction information for a predetermined level of risk based at least in part on a payment transaction history of the entity. Likewise using the processor, a report of the predetermined level of risk may be generated, and the payment transaction may be processed for the entity according to predefined processing instructions of the entity.
    Type: Application
    Filed: August 13, 2013
    Publication date: February 19, 2015
    Inventors: Rupa Mankad, Mahantesh Mukartihal, Ramiro Munoz
  • Publication number: 20150046322
    Abstract: A method and apparatus are disclosed for performing a transaction at a hand held device. The method comprises the steps of accessing a virtualized operating system and Automated Teller Machine (ATM) application at a hand held device and performing a customer transaction at the hand held device using the virtualized operating system and ATM application.
    Type: Application
    Filed: August 8, 2013
    Publication date: February 12, 2015
    Applicant: NCR Corporation
    Inventors: Heather McCracken, Joseph Gallagher, Norman G. Taylor
  • Patent number: 8954352
    Abstract: A method and apparatus for storing financial data utilizing a communications network is described. In one embodiment, provisioning access is provided to a plurality of unrelated financial entities. The financial data received from the plurality of unrelated financial entities are stored in a secure data store, e.g., a secure network based mailbox.
    Type: Grant
    Filed: October 28, 2005
    Date of Patent: February 10, 2015
    Assignee: AT&T Intellectual Property II, L.P.
    Inventors: Marian Croak, Hossein Eslambolchi
  • Publication number: 20150039503
    Abstract: A method and a system for mobile remittance and/or payment are provided. Example embodiments may include receiving a request, at a financial entity and from a first party, to remit an amount from an account, associated with the first party to a mobile phone number associated with a second party; notifying the second party of the amount to be remitted and an identity of the first party; receiving a personal identification component from the second party; accessing a mobile account associated with the mobile phone number based on the personal identification component; and depositing the amount into the mobile account. According to example embodiments, the system may include a communication module, a mobile remittance module, a payment processor, a mobile accounts module, an agent management module, and a mobile transfer module.
    Type: Application
    Filed: August 5, 2013
    Publication date: February 5, 2015
    Applicant: eBay Inc.
    Inventor: Vishwanath Shastry
  • Publication number: 20150039502
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer regarding a transaction to provide misappropriation protection based on address and/or merchant store information associated with the e-receipt or other e-communication. In one embodiment, a system is configured to: identify and retrieve electronic communications between a merchant and a customer associated with a transaction; determine address information or merchant store information from the electronic communication; and determine whether or not the address information or merchant store information triggers a notification or an alert to the customer based at least partially on one or more rules relating to a misappropriation of customer account information.
    Type: Application
    Filed: August 5, 2013
    Publication date: February 5, 2015
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Jason P. Blackhurst, Matthew A. Calman, Laura C. Bondesen, Katherine Dintenfass, Carrie A. Hanson
  • Publication number: 20150039504
    Abstract: A remote deposit capture system is provides a remote deposit capture system that provides for physical manipulation of the financial instrument for deposit verification purposes.
    Type: Application
    Filed: July 31, 2014
    Publication date: February 5, 2015
    Inventor: Christopher F. EBBERT
  • Publication number: 20150032616
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer regarding a transaction to augment data in online banking to create a personal finance management system. The personal finance management system providing a customer with a granular categorization of spending based on item level spend, wherein the finance management incorporates customer transactions completed with any payment means a customer may use (including cash transactions). The invention identifies and retrieves electronic communications between a merchant and a customer associated with a transaction (such as e-receipts). Subsequently, the invention integrates the e-receipt data into a customer's online banking.
    Type: Application
    Filed: July 26, 2013
    Publication date: January 29, 2015
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Jason P. Blackhurst, Matthew A. Calman, Katherine Dintenfass, Carrie A. Hanson, Laura C. Bondesen
  • Publication number: 20150032615
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer regarding a transaction to augment data in a customer's online banking application. As such, present a customer with viewable purchase transaction data alongside online banking data, which allows a customer to view all customer transactions irrespective of payment means within a single online banking application. The invention identifies and retrieves electronic communications between a merchant and a customer associated with a transaction (such as e-receipts). Subsequently, the invention integrates the e-receipt data into the customer's online banking application for a holistic customer transaction view.
    Type: Application
    Filed: July 26, 2013
    Publication date: January 29, 2015
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Jason P. Blackhurst, Matthew A. Calman, Katherine Dintenfass, Carrie A. Hanson, Laura C. Bondesen