Including Automatic Teller Machine (i.e., Atm) Patents (Class 705/43)
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Patent number: 12206801Abstract: A method for authenticating a user performed by an identity server computer is disclosed. The method comprises receiving, by a server, a user device identifier from an access device. The server transmits a challenge to a mobile device operated by a user, and the mobile device signs the challenge. The server receives and verifies the signed challenge and then provides the signed challenge or a portion thereof to an access device, which processes the transaction with the signed challenge.Type: GrantFiled: August 25, 2021Date of Patent: January 21, 2025Assignee: Visa International Service AssociationInventor: Ranjiva Kant Prasad
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Patent number: 12189834Abstract: A method secures a computer display. One or more processors detect whether there is a presence of an authorized portable device proximate to the computer display. Based on what the processor(s) detect, the processor(s) apply a rule, which is based on one or more portable devices being proximate to the computer display, to selectively continue or end a current session on the computer display.Type: GrantFiled: February 24, 2021Date of Patent: January 7, 2025Assignee: International Business Machines CorporationInventors: Uri Kartoun, Krishnan Sugavanam, Jayanth Krishnan, Aris Gkoulalas-Divanis
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Patent number: 12120110Abstract: A block generation unit 13 generates, in a predetermined case, a block including an ID of a user in a blockchain. The block generation unit 13 generates a new block including information indicating a service provider and service contents, when face data of the user and the service contents are received from a terminal of the service provider and face authentication is successful based on the face data and face authentication data, or when the ID of the user and the service contents are received from the terminal of the service provider, and adds the new block to the blockchain.Type: GrantFiled: July 27, 2020Date of Patent: October 15, 2024Assignee: NEC CORPORATIONInventor: Katsuhiko Ishida
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Patent number: 12079783Abstract: A disclosed information processing system includes a first terminal device used by a reporting user to post a reporting document; a second terminal device used by a user to transmit remuneration to the reporting user; and a document management device to manage the reporting document, wherein the first terminal device transmits the posting of the reporting document to the document management device, the second terminal device transmits, to the document management device, information about remuneration to be transmitted to the reporting user from a user who desires to transmit the remuneration to the reporting user, and the document management device identifies a destination for transmitting the remuneration to the reporting user from the posting of the reporting document, and executes an instruction to transmit the remuneration to the reporting user, based on the information about the remuneration and the identified destination.Type: GrantFiled: October 19, 2021Date of Patent: September 3, 2024Assignee: RICOH COMPANY, LTD.Inventor: Takehiro Tanaka
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Patent number: 12073371Abstract: Systems, methods, and computer-readable storage media utilized for processing open loop math based currency (“MBC”) credit card transactions at a financial institution. One method includes receiving, via an open loop processing network, a request for an MBC transaction and generating a first code uniquely identifying the MBC transaction. The method further includes transmitting, via the open loop processing network, the first code to the customer computer device and receiving, from an acquirer/processor computer system via the open loop processing network, a second code including the first code and a public and private key pair. The method further includes determining that the public key is registered and updating a first entry of an overlay ledger and a second entry of the overlay ledger. The method further includes transmitting, via the open loop processing network, a credit guarantee and transmitting, via the open loop processing network, a receipt of the MBC transaction.Type: GrantFiled: June 2, 2021Date of Patent: August 27, 2024Assignee: Wells Fargo Bank, N.A.Inventor: Ashish B. Kurani
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Patent number: 12056674Abstract: A method includes: receiving, by a computer device and from an automated teller machine, a personal identification number that is associated with an account; determining, by the computer device, that the personal identification number is a disablement personal identification number that is associated with the account, the account having an activation personal identification number, the disablement personal identification number and the activation personal identification number being different; determining, by the computer device and as a result of receiving the disablement personal identification number, at least one disablement action to be performed by a device other than the automated teller machine; and transmitting, by the computer device, a command to perform the disablement action.Type: GrantFiled: October 15, 2021Date of Patent: August 6, 2024Assignee: KYNDRYL, INC.Inventors: Cesar Augusto Rodriguez Bravo, David Alonso Campos Batista, Desilda Toska, Romelia H Flores
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Patent number: 12047356Abstract: A method of tokenizing sensitive data from a terminal device includes receiving, a connection request comprising a hardware serial number associated with a terminal device and validating the hardware serial number associated with the terminal device. The method includes sending a command to a terminal device that causes the terminal device to display a prompt for sensitive data associated with a user interacting with the terminal device and receiving an encrypted data packet from the terminal device. The encrypted data packet includes the sensitive data. The method includes sending the encrypted data packet to a gateway system for tokenization, receiving a token that represents the sensitive data, and providing the token to the terminal device.Type: GrantFiled: October 14, 2021Date of Patent: July 23, 2024Assignee: FIRST DATA CORPORATIONInventors: Nicholas Aceto, Kevin Nathan, Kyle Nahrgang, Tom Catullo, Pete Foley, Bill Miller, Evan Broderick
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Patent number: 11997012Abstract: In accordance with one or more aspects, service requesters (e.g., advertisers) and/or affiliates (e.g., providing data traffic) may be set up for operation on a performance exchange. In accordance with other aspects, performance and monitoring may be carried out for such advertisers and/or affiliates. In some embodiments, a quality assessment module monitors resource distribution by affiliates (including user response characteristics), and assesses quality characteristics of the distribution and related responses based on the monitored performance and stored affiliate data. Affiliate performance metrics are generated based on the quality characteristics. A router establishes routing criteria for service requesters, which may include information for selecting data traffic resources to be routed and served by the affiliates for providing traffic.Type: GrantFiled: April 19, 2022Date of Patent: May 28, 2024Assignee: Perform[cb], LLCInventors: Erin Cigich, Dzenis Softic
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Patent number: 11983698Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for processing a cardless cash transaction. In one embodiment, a system is introduced that enables a communication between a user device and an automated teller machine. The communication disclosure presents a system and method that enables the communication between a user device and an automated teller machine for the withdrawal of a cash amount using a cardless cash option. The withdrawal occurs through the use of a white label platform which pairs the automated teller machine and user device without the use of a card.Type: GrantFiled: November 30, 2021Date of Patent: May 14, 2024Assignee: PayPal, Inc.Inventors: Prashant Jamkhedkar, Jie Leng, Kaining Gu, Buddhika Withanage
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Patent number: 11978296Abstract: Aspects of the disclosure relate to cash handling devices that provide intelligent monitoring and management of cash cycles. A cash handling device having at least one processor, a communication interface, and memory may receive, from a mobile device, a request to process a pre-staged transaction. Subsequently, the cash handling device may generate and present a graphical identifier based on the mobile device requesting access to the cash handling device. Next, the cash handling device may verify that the mobile device is authorized to perform the pre-staged transaction based on the graphical identifier being scanned by the mobile device and cause a connection to be established between the cash handling device and the mobile device. Thereafter, the cash handling device may identify and process the pre-staged transaction associated with the mobile device. Then, the cash handling device may generate a notification indicating completed processing of the identified pre-staged transaction.Type: GrantFiled: May 11, 2021Date of Patent: May 7, 2024Assignee: Bank of America CorporationInventors: Paul Martin Mattison, Sr., Matthew E. Williams, Carl Parziale, Pavan Singaraju, Anne Price, David Smiddy, Brandon Kozlowski, Jennifer Raley
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Patent number: 11954668Abstract: A system includes a customer authentication system and an automatic teller machine (ATM). The ATM includes a display, one or more memory devices storing software instructions, and one or more processors configured to: execute the software instructions to perform operations to display an item on display; store information regarding the item; receive from a customer device captured information regarding the item; receive from the customer device identifying information of a customer; send the identifying information to the customer authentication system; compare the captured information with the information stored in the one or more memory devices; authenticate the customer device based on the comparison; and allow access to the customer account via the ATM after the authentication.Type: GrantFiled: June 16, 2022Date of Patent: April 9, 2024Assignee: Capital One Services, LLCInventors: David Kelly Wurmfeld, Kevin Osborn
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Patent number: 11935116Abstract: Systems and methods for identifying and providing unfulfilled services to a user of a provider institution mobile application are provided. A method includes: identifying an unfulfilled service of the user of the provider institution mobile application based on an indication that the user has a pending service that requires further action on behalf of the user; scanning a digital calendar of a mobile device of the user hosting the provider institution mobile application based on receiving a user input to access the digital calendar; determining an availability of the user based on scanning the digital calendar; identifying a current location of the user during the determined availability; determining a plurality of service locations near the identified current location of the user during the determined availability; and prompting the user to visit an identified service location from the plurality of service locations.Type: GrantFiled: November 3, 2020Date of Patent: March 19, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Pankaj Parekh, Steve Perez, Keith Clithero, Daniel Sanford, Bill Wurz
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Patent number: 11935073Abstract: A method for flagging journal entries within a general ledger is described. A plurality of assessment routines are executed on transaction lines of the journal entries within the general ledger, each assessment routine of the plurality of assessment routines i) being configured to generate a base score for each transaction line, and ii) associated with a corresponding flagging threshold. A composite score is generated for each transaction line using the base scores generated by the plurality of assessment routines. For each journal entry within the general ledger: the journal entry is flagged when one or more base scores for the journal entry exceed the corresponding flagging thresholds of the assessment routines, or when none of the base scores for the journal entry exceed the corresponding flagging thresholds and the composite score exceeds a composite threshold. A report of flagged journal entries is generated.Type: GrantFiled: September 27, 2021Date of Patent: March 19, 2024Assignee: GRANT THORNTON LLPInventors: Richard Lanza, Brian Wolohan, Matthew Van Buren
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Patent number: 11907941Abstract: In some examples, a system renders, in a user interface, data fields of an interface code, the interface code to input or output the data fields in a transaction, and receives a selection, made in the user interface, of a first data field from among the data fields of the interface code. The system modifies the interface code by adding an indicator associated with the first data field, the indicator specifying anonymization of the first data field during the transaction that uses the first data field, the modifying of the interface code producing a modified interface code.Type: GrantFiled: January 4, 2018Date of Patent: February 20, 2024Assignee: Micro Focus LLCInventor: Sushil Nair
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Patent number: 11900393Abstract: Embodiments of the present disclosure provided herein include methods, computer readable mediums, apparatus, and systems for facilitating diagnosis and repair of one or more performance states associated with a computing device.Type: GrantFiled: February 8, 2021Date of Patent: February 13, 2024Assignee: ASSURANT, INC.Inventors: Mircea Ionescu, Patrick Scott McLaughlin, Ryan Joseph Turner, Cameron Messier, Anthony Glyadchenko
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Patent number: 11881088Abstract: Payment card slot tampering at a transaction terminal is detected in real time. One or more images from one or more cameras are analyzed. The camera(s) is/are focused overhead of the terminal on an area adjacent to and in front of a card slot for a card reader of the terminal. The images are analyzed for determining whether hands of arms for an operator of the terminal are performing actions that indicate the operator may be attempting to install a card skimmer/shimmer into the card slot and/or attempting to remove an existing skimmer/shimmer from the card slot. When card slot tampering event is detected at the terminal a variety of automated actions are processed, such as shutting down the card reader, shutting down the terminal, confiscating any payment card inserted into the card slot, notifying a financial institution, and/or notifying legal authorities.Type: GrantFiled: April 29, 2022Date of Patent: January 23, 2024Assignee: NCR CorporationInventors: Matthew Robert Burris, Christopher John Costello, Gregory Joseph Hartl, Caleb Wayne Martinez, Jodessiah Sumpter
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Patent number: 11861381Abstract: Disclosed in the embodiments of the present disclosure are an icon updating method and apparatus, and an electronic device. A specific implementation of the method comprises: determining whether a user needs to be prompted to open a preset subpage, wherein the preset subpage has an initial page icon; in response to determining that the user needs to be prompted to open the preset subpage, acquiring a reference image for updating the initial page icon; on the basis of the reference image, generating a first page icon; and updating the initial page icon to the first page icon. In the implementation, by means of updating the initial page icon of the preset subpage to the generated first page icon, the user is prompted to open the preset subpage.Type: GrantFiled: August 12, 2022Date of Patent: January 2, 2024Assignee: DOUYIN VISION CO., LTD.Inventor: Yuechen Wang
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Patent number: 11861575Abstract: An automated teller machine (ATM) allows a user with accounts at both a first institution and a second institution to use an ATM of the first institution to physically place cash or a check into the ATM of the first institution for deposit into an account at the second institution. In some cases, a failed attempt message may indicate a funds transfer failed due to a network connectivity issue, an inactive payee account, or an expired payee account number. In case of a network connectivity issue, the funds transfer may be reinitiated. In case of an inactive payee account or expired payee account number, funds may be transferred to the first account instead of the second account. The ATM may display an indication of the failed attempt and a confirmation of a transfer to the first account.Type: GrantFiled: August 1, 2022Date of Patent: January 2, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Laura Marie Fontana, Margot Lockwood-Stein, Michael R. Thomas
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Patent number: 11847639Abstract: A system and method for locating electronic devices and establishing peer to peer communication with electronic devices, such as a currency exchange unit, using a beacon, is disclosed. The method may include determining a location of the currency exchange unit; generating a message indicating a location of the currency exchange unit and the availability of a variety of different currencies; and managing currency exchanges with various mobile devices.Type: GrantFiled: June 27, 2022Date of Patent: December 19, 2023Assignee: United Services Automobile Association (USAA)Inventors: Ryan Russell, Quian Antony Jones, Ashley Raine Philbrick, Carlos J P Chavez, Stacy Callaway Huggar, Janelle Denice Dziuk, Yevgeniy Khmelev, Ravi Durairaj, Sumita T. Jonak
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Patent number: 11847649Abstract: 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: GrantFiled: April 20, 2015Date of Patent: December 19, 2023Inventor: Michelle Fisher
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Patent number: 11836735Abstract: An item return transaction for an item is identified at a transaction terminal. The item is authenticated using multiple factors at least some of which are independent of item code identification for the item. A fraud score is calculated based on the multiple factors, item code identification, and data that is specific to a customer associated with the transaction, specific to the item, specific to a store associated with the transaction terminal, and specific to a retailer associated with the store. The fraud score and a customer-return grade for the customer are processed to determine whether the transaction can complete at the terminal without assistance or whether the transaction is to be held in abeyance for an audit (onsite audit or remote network-based audit). In an embodiment, the t terminal is a Self-Service Terminal (SST) and the transaction is a self-item return transaction conducted by a customer at the terminal.Type: GrantFiled: January 19, 2021Date of Patent: December 5, 2023Assignee: NCR CorporationInventors: Jodessiah Sumpter, Matthew Robert Burris, Christopher John Costello, Caleb Wayne Martinez
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Patent number: 11823147Abstract: Systems and methods are disclosed for the deposit, withdrawal, and reuse of currency for transactions. According to disclosed embodiments, an intelligent teller machine (ITM) is configured to receive currency as payment for a transaction, to calculate and dispense any change due, and to request that the net value of the transaction (e.g., the revenue) be deposited into the financial account of the business. The currency received by the ITM is also available to make change for future purchase transactions.Type: GrantFiled: December 4, 2020Date of Patent: November 21, 2023Assignee: Capital One Services, LLCInventors: Adam R. Koeppel, Alex Leo Niderberg
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Patent number: 11810375Abstract: A transaction processing system of the present disclosure includes processing circuitry configured to acquire image data of an image displayed on a display apparatus for displaying a content of a transaction; extract, from the image data, a character or graphic displayed on the display apparatus; analyze a content represented by the character or graphic; and generate instruction information, based on the analyzed content, for controlling a money processing apparatus to perform processing relating to the transaction.Type: GrantFiled: June 23, 2021Date of Patent: November 7, 2023Assignee: GLORY LTD.Inventors: Kazuya Nishino, Yukiya Tanaka, Minoru Higashiyama
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Patent number: 11797990Abstract: Systems and methods of providing multimodal ATM accessibility are disclosed. In one embodiment, an exemplary computer-implemented method may comprise detecting a presence of a wireless device of a user in proximity to the ATM; establishing a communication session between the ATM and the wireless device based on a session key; instructing an app to provide a first graphical user interface (GUI) to the user; authenticating the user for access to the user account at the wireless device based at least on the entered account login information; and commencing, in response to successful authentication of the user, an ATM transaction session for the user by instructing the app to provide a second GUI to the user at the wireless device, the second GUI comprising one or more GUI elements operable by the user to perform one or more ATM transactions with the user account at the wireless device.Type: GrantFiled: November 3, 2020Date of Patent: October 24, 2023Assignee: Capital One Services, LLCInventors: Elisa-Michelle Rodriguez, Kevin Osborn, Latika Gulati
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Patent number: 11790346Abstract: A computer-implemented method and a system for loading reloadable cards, the computer-implemented method including: receiving, from an automated teller machine (ATM), a loading transaction request, the loading transaction request including a reloadable card identifier associated with a reloadable card, a funding card identifier associated with a funding card, and loading amount information; executing a funding card authorisation process; executing a reloadable card crediting process; and sending loading transaction approval to the ATM.Type: GrantFiled: April 9, 2020Date of Patent: October 17, 2023Assignee: Mastercard International IncorporatedInventors: Elson Rodrigues, Piyush Sharma
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Patent number: 11756015Abstract: Systems and methods are disclosed for the deposit, withdrawal, and reuse of currency for transactions. According to disclosed embodiments, an intelligent teller machine (ITM) is configured to receive currency as payment for a transaction, to calculate and dispense any change due, and to request that the net value of the transaction (e.g., the revenue) be deposited into the financial account of the business. The currency received by the ITM is also available to make change for future purchase transactions.Type: GrantFiled: July 11, 2022Date of Patent: September 12, 2023Assignee: Capital One Services, LLCInventors: Adam R. Koeppel, Alex Leo Niderberg
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Patent number: 11735013Abstract: The present disclosure relates to a money handling apparatus including: a money storage unit configured to store money; a locking unit configured to limit access to the money storage unit; and a control unit configured to give unlock permission to unlock the locking unit to at least one of a plurality of qualified persons who are qualified to unlock the locking unit, and to perform a process involving change of the qualified person.Type: GrantFiled: November 9, 2021Date of Patent: August 22, 2023Assignee: Glory Ltd.Inventors: Kenichi Ino, Michiharu Iwamura
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Patent number: 11727395Abstract: A method performed by a processor of a financial institution computing system includes authorizing an account holder to execute transactions in an MBC from a financial account of the account holder that includes funds in a fiat currency. A transaction request is received, including a request to transfer a first amount of funds from the financial account to a recipient. The first amount is defined in MBC. The financial account is debited by a second amount, which is an amount of fiat currency equivalent to the first amount of MBC. A service call is transmitted to the MBC partner. The service call includes instructions to create a temporary account to hold the MBC, to exchange the second amount from fiat currency to MBC, to credit the temporary account with the funds exchanged to MBC, and to transfer the first amount in MBC from the temporary account to the recipient.Type: GrantFiled: August 15, 2022Date of Patent: August 15, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Michael D. Dowling, Jesse K. Lund, Frank S. Lee
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Patent number: 11715122Abstract: Video features encourage and ensure that survey videos are viewed in full. The survey answer block and video rewind, forward fast and mute are disabled during the video presentation. With the user's permission, telephone calls, text messaging and browsing may also be disabled during the video. Interactive responses may be required at various points in the video to ensure that the viewer is paying attention. The viewer's image may be recorded or eye gaze may be tracked while viewing the video. Candidates may be qualified for viewing videos and selected in a priority order by meeting certain demographic conditions, having certain topics of interest identified in their social media profiles, agreeing to post-video direct contact, and having participated in prior video surveys. Potential candidates may be qualified by answering qualifying questions, viewing a teaser video, or responding to a prompt asking them to opt-in to the video survey.Type: GrantFiled: June 25, 2021Date of Patent: August 1, 2023Assignee: 1Q, LLCInventors: Keith Rinzler, Ryan Cino, Brian Scully, Ken Icklan
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Patent number: 11704687Abstract: A method implemented on an electronic computing device includes receiving a request for an automated teller machine (ATM) transaction from an ATM. Authentication credentials are received of a customer of the ATM. The authentication credentials are associated with the request for the ATM transaction. A notification is received of a failure to execute the ATM transaction at the ATM. In response to the receiving a notification of the failure, a fee modification is issued to the customer of the ATM. The fee modification permits modification of a transaction fee associated with a subsequent ATM transaction at an alternative ATM.Type: GrantFiled: January 13, 2020Date of Patent: July 18, 2023Assignee: Wellls Fargo Bank, N.A.Inventors: Joseph De Frank, Darren M. Goetz, Michael Edwards McGee, Dennis E. Montenegro
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Patent number: 11699145Abstract: Systems and methods for contactless transactions are described. A method includes transmitting, by a mobile device having a provider institution mobile application, a first data payload to a user-interactive device via a first short-range wireless communication, and launching the provider institution mobile application on the mobile device based on the first short-range wireless communication. The method further includes transmitting authentication information to the user-interactive device via a second short-range wireless communication, receiving a request for transaction information from the user-interactive device via the second short-range wireless communication, and transmitting transaction information to the user-interactive device via a third short-range wireless communication as part of the transaction.Type: GrantFiled: February 21, 2022Date of Patent: July 11, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Young M. Yang, Kelly Q. Zeichick
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Patent number: 11651091Abstract: A network outage and redundancy module which provides improved security, platform independence and continuity in information between financial hardware and enterprise applications.Type: GrantFiled: October 5, 2021Date of Patent: May 16, 2023Assignee: Cash Flow Management, Inc.Inventors: Jianing Chen, Nathan Moore, Jim Ransco, II, John Dillon
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Patent number: 11637994Abstract: A system comprising a coordinate tracking engine and a video classification engine communicably coupled to a notification engine. The coordinate tracking engine detects that geographical coordinates of a mobile device indicate that an account holder is within a threshold distance of a physical branch of an institution. The notification engine retrieves account information for the account holder. The coordinate tracking engine further detects that the account holder has arrived at the physical branch. The video classification engine captures video frames of an entrance to the physical branch and identifies the account holder. The notification engine further presents account information for the account holder on a display.Type: GrantFiled: July 21, 2021Date of Patent: April 25, 2023Assignee: Bank of America CorporationInventors: Kalyan Chakravarthy Pallapolu, Bharathi Tadepalli
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Patent number: 11611516Abstract: A computer-implemented for allocating resources is disclosed. The method includes: receiving, from a client device associated with an entity, input including a selection of a first operation; obtaining a threshold quantity of resources associated with the first operation; allocating a first quantity of resources associated with the entity to the first operation; detecting a trigger condition for obtaining resources associated with the first operation; and in response to detecting the trigger condition for obtaining resources associated with the first operation: determining a second quantity of resources associated with the entity for allocation to the first operation based on a difference between the threshold quantity of resources associated with the first operation and the first quantity of resources; and transmitting, to the client device, a signal representing a message indicating the second quantity of resources.Type: GrantFiled: July 9, 2019Date of Patent: March 21, 2023Assignee: The Toronto-Dominion BankInventors: Kareem El-Onsi, Garima Aggarwal, Raymond Alan Young
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Patent number: 11604678Abstract: Systems, computer program products, and methods are described herein for intelligent resource usage modification based on resource services.Type: GrantFiled: March 27, 2020Date of Patent: March 14, 2023Assignee: BANK OF AMERICA CORPORATIONInventor: Robert W. Powers
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Patent number: 11600151Abstract: An ATM pre-registration tool allows a user to request an amount of cash from an ATM before traveling to that ATM. The pre-registration tool receivers a user's request and determines whether a specified ATM contains the requested cash. If the ATM does not contain the requested cash, the pre-registration tool informs the user that the ATM does not contain sufficient funds to fulfill the user's request. If the ATM contains the requested cash, the pre-registration tool instructs the ATM to reserve that cash for the user.Type: GrantFiled: September 10, 2021Date of Patent: March 7, 2023Assignee: Bank of America CorporationInventor: Eric Dryer
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Patent number: 11568437Abstract: Systems, methods, and apparatuses for implementing commerce rewards across tenants for commerce cloud customers utilizing blockchain technologies in conjunction with a cloud based computing environment are described herein.Type: GrantFiled: October 31, 2018Date of Patent: January 31, 2023Assignee: salesforce.com, inc.Inventor: Prithvi Krishnan Padmanabhan
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Patent number: 11543252Abstract: A method for operating a support system for preventing a motor vehicle from being left stranded due to a lack of drive energy is disclosed. The, wherein the motor vehicle has at least one driver assistance system and an internal combustion engine, which is operated with fuel as a first energy source of drive energy, and/or an electric motor, which is operated with electric energy of a battery as a second source of drive energy. The motor vehicle is autonomously driven to a charging and/or filling location using a vehicle system, which is designed to guide the motor vehicle in a fully automatic manner, when an emergency criterion is met which is constantly evaluated during an operational phase of the motor vehicle, and indicates to the driver that the motor vehicle will be left stranded if a charging and/or filling process is not carried out.Type: GrantFiled: July 20, 2017Date of Patent: January 3, 2023Assignee: AUDI AGInventors: Viktor Schimik, Manuel Geisinger
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Patent number: 11475421Abstract: Disclosed herein are system, method, and computer program product embodiments for allowing completion of cardless ATM transactions at an ATM using a barcode that encodes an identifier for that ATM. A user of a mobile banking app may begin a transaction on their mobile device and, upon reaching a stage of the transaction where ATM access is needed (e.g., to withdraw physical cash), requests that the user visit an ATM to scan the barcode. When the mobile app scans the barcode, the ATM displaying the barcode is associated with the transaction, and completes the transaction (e.g., by dispensing cash). This barcode, while usable to identify the ATM for this purpose, also provides additional information that can be obtained by any barcode reader. This additional information may, for example, be a link to a website that provides an explanation about this service.Type: GrantFiled: August 13, 2020Date of Patent: October 18, 2022Assignee: Capital One Services, LLCInventors: Jeremy J. Phillips, Matthew B. Konopa
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Patent number: 11461153Abstract: A system and method are provided for monitoring events in process management systems. The method is executed by a device having a communications module and includes receiving via the communications module first event data from at least one process management system, the first event data comprising a unique identifier associated with a corresponding process flow. The method also includes storing the first event data in an event repository of the memory. The method also includes, asynchronously from receiving the first event data, providing second event data to a monitoring tool via the communications module, by accessing the first event data stored in the event repository, to enable events associated with all of the at least one process management system to be viewed, to initiate feedback to the at least one process management system for updating or advancing process workflows, and to enable notifications to be sent to clients of the at least one process management system.Type: GrantFiled: February 3, 2021Date of Patent: October 4, 2022Assignee: The Toronto-Dominion BankInventors: Arash Deljavan Farshi, Ivan Attard, Preetkanwal Samra
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Patent number: 11455633Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for conducting cardless payment transactions. One of the methods includes receiving from a first device of a first user a first message requesting a payment transaction with a second user. Using an identifier of the second user provided by the first device, sending a second message to a second device of the second user requesting approval of the transaction, wherein the second message includes an approval code. A third message is received from the second device. If the third message includes the provided approval code and is received within a threshold amount of time, the payment transaction is processed using account information received in the first message.Type: GrantFiled: July 31, 2019Date of Patent: September 27, 2022Assignee: Block, Inc.Inventors: Daniel Neighman, Eric Firestone, Daniel Spencer, Cameron Walters, Sophia Huang
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Patent number: 11449846Abstract: Computer implemented systems and methods are provided for an automatic teller machine. In some embodiments, an automatic teller machine may comprise a touch-sensitive display, one or more memory devices storing instructions, and one or more processors. The one or more processors may be configured to receive authentication data associated with a user, retrieve user profile information based on the authentication data, determine user interface attributes based on the user profile information; and generate an automatic teller machine interface based on the user profile information.Type: GrantFiled: November 20, 2020Date of Patent: September 20, 2022Assignee: Capital One Services, LLCInventor: David Wurmfeld
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Patent number: 11443391Abstract: An automated system and method of payroll processing for charitable contributions. A self-service user interface prompts an operator to identify preferences for charitable projects. A charitable giving profile for the operator is generated from the preferences for charitable projects identified by the operator. Suggested charitable projects for the operator are identified using the charitable giving profile for the operator. Project information for the suggested charitable projects is displayed on the self-service user interface. Pay for the operator, including a donation of funds from the pay for the operator to the suggested charitable projects, is automatically processed. Funds from the pay for the operator are automatically distributed to the suggested charitable projects.Type: GrantFiled: February 7, 2020Date of Patent: September 13, 2022Assignee: ADP, Inc.Inventors: Daniel Barendrecht, Vincent van Kooten
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Patent number: 11436580Abstract: Systems and methods are disclosed for the deposit, withdrawal, and reuse of currency for transactions. According to disclosed embodiments, an intelligent teller machine (ITM) is configured to receive currency as payment for a transaction, to calculate and dispense any change due, and to request that the net value of the transaction (e.g., the revenue) be deposited into the financial account of the business. The currency received by the ITM is also available to make change for future purchase transactions.Type: GrantFiled: May 28, 2020Date of Patent: September 6, 2022Assignee: Capital One Services, LLCInventors: Adam Koeppel, Alex Niderberg
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Patent number: 11416850Abstract: A system and method for locating electronic devices and establishing peer to peer communication with electronic devices, such as a currency exchange unit, using a beacon, is disclosed. The method may include determining a location of the currency exchange unit; generating a message indicating a location of the currency exchange unit and the availability of a variety of different currencies; and managing currency exchanges with various mobile devices.Type: GrantFiled: May 28, 2019Date of Patent: August 16, 2022Assignee: United Services Automobile Association (USAA)Inventors: Ryan Russell, Quian Antony Jones, Ashley Raine Philbrick, Carlos J P Chavez, Stacy Callaway Huggar, Janelle Denice Dziuk, Yevgeniy Khmelev, Ravi Durairaj, Sumita T. Jonak
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Patent number: 11418044Abstract: A charger system comprising a charging station including a plurality of nests for chargers is described. Each of the plurality of nests is designed to partially eject the charger when instructed to do so, and further comprises a nest lock to lock in the charger into the nest when not ejecting. The charger system interacting with a user account, enabling a user to request the charger, wherein the charger is ejected from the nest for a valid request.Type: GrantFiled: January 14, 2020Date of Patent: August 16, 2022Assignee: Juize, Inc.Inventors: Mukhabbatov Nasim Khokimovich, Alex Freed, John Mark Sutton, Øivind Alexander Slaatto
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Patent number: 11410149Abstract: Systems, methods, and apparatuses for maintaining a balance or level of cash stored within a plurality of terminals at a point of sale location are described herein. A provider computing system receives a pre-staging request and transaction information from a customer device. The provider computing system receives terminal information about a plurality of terminals from a point of sale computing system. The provider computing system then determines an appropriate terminal of the plurality of terminals for the customer to complete their intended transaction based on the transaction information and the terminal information, and transmits a notification indicating the appropriate terminal to the customer device.Type: GrantFiled: October 1, 2019Date of Patent: August 9, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Darren M. Goetz, Dennis E. Montenegro, Alicia Y. Moore, Timothy R. Ward
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Patent number: 11397938Abstract: A system includes a customer authentication system, and an automatic teller machine (ATM). The ATM includes a display, one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to perform operations to: display an item on the display; store information regarding the item; receive from a customer device captured information regarding the item; receive from the customer device identifying information of a customer; send the identifying information to the customer authentication system; compare the captured information with the information stored in the one or more memory devices; authenticate the customer device based on the comparison; and allow access to the customer account via the ATM after the authentication.Type: GrantFiled: August 15, 2019Date of Patent: July 26, 2022Assignee: Capital One Services, LLCInventors: David Wurmfeld, Kevin Osborn
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Patent number: 11393299Abstract: A computer-implemented method is disclosed. The method includes: determining a current configuration of at least one cassette loaded into an automated teller machine; and automatically configuring one or more user interface settings of the automated teller machine based on the current configuration of the at least one cassette.Type: GrantFiled: September 30, 2021Date of Patent: July 19, 2022Assignee: The Toronto-Dominion BankInventors: A Warren Pratten, Vincent Fazio, Anthony Wayne Miles, Nigel John Shipley
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Patent number: 11373239Abstract: A system includes a network interface circuit and a processing circuit configured to receive a physical currency transaction request from a first user device, the physical currency transaction request including a currency exchange transaction parameter, match the physical currency transaction request to another physical currency transaction request based at least in part on the currency exchange transaction parameter, provide the physical currency transaction request to a second user device associated with the another physical currency transaction request, geo-fence an area based on at least one of the currency exchange transaction parameters or a current location of the first user device, determine an exchange location based on the geo-fenced area and the matched physical currency transaction request and another physical currency exchange request, and provide instructions to the first user device and the second user device for an exchange based on the determined exchange location.Type: GrantFiled: September 30, 2020Date of Patent: June 28, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Frank Digangi, Carrie Anne Hanson, Jonathan Austin Hartsell, Daniel Sanford