Including Third Party Patents (Class 705/78)
  • Patent number: 9912719
    Abstract: A system and method of presenting a commerce application to an electronic device of an end-user are disclosed. The method includes establishing electronic communications from the end-user to a first server (e.g., an electronic marketplace) in response to the end-user accessing an element presented by the first server, and establishing electronic communications between the first server and a second server. The second server may be, for example, another electronic marketplace. The first server sends a graphical interface feature to the end-user. Substantially concurrent with the first server sending the graphical interface feature, the second server transmits electronically graphical content to be placed within the graphical interface feature on a browser on an electronic device of the end-user. The blending of the graphical interface feature and the graphical content is transparent to the end user; thus, the end-user may be unaware that additional information is being received from the second server.
    Type: Grant
    Filed: January 27, 2014
    Date of Patent: March 6, 2018
    Assignee: eBay Inc.
    Inventor: Rodrigo Madanes
  • Patent number: 9860187
    Abstract: Embodiments of the present application relate to a method, apparatus, and system for enrolling a mobile device with an enterprise network. The method includes receiving, from a mobile device, a request to access an enrollment address. In response to receiving the request to access the enrollment address, determining whether the mobile device is pre-enrolled with the enterprise network, and in the event that the mobile device from which the request to access the enrollment address is received corresponds to the mobile device that is pre-enrolled with the enterprise network, pushing user-specific settings to the mobile device.
    Type: Grant
    Filed: February 27, 2015
    Date of Patent: January 2, 2018
    Assignee: MOBILE IRON, INC.
    Inventors: Tom Chang, Mansu Kim
  • Patent number: 9852406
    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: Grant
    Filed: December 5, 2014
    Date of Patent: December 26, 2017
    Assignee: Deluxe Small Business Sales, Inc.
    Inventors: Paul F. Doyle, Dean Tribble
  • Patent number: 9838873
    Abstract: A device receives capability information associated with a next hop device of a wireless local area network (WLAN). The device also determines, based on the capability information, whether the next hop device is capable of implementing security for traffic, where the security includes a media access control (MAC) security standard and a layer 2 link security standard. The device further creates, via the MAC security standard, a secure channel with the next hop device when the next hop device is capable of providing security for traffic.
    Type: Grant
    Filed: October 30, 2014
    Date of Patent: December 5, 2017
    Assignee: Juniper Networks, Inc.
    Inventors: Sandip Shah, Jeffrey L. Pochop, Jr.
  • Patent number: 9665853
    Abstract: Described herein is an apparatus that includes a minimum equipment list (MEL) data module and an impact assessment module. The MEL data module determines at least one operational limitation associated with deferred maintenance on a vehicle. The impact assessment module determines an operational impact associated with the deferred maintenance based on the at least one operational limitation.
    Type: Grant
    Filed: August 19, 2014
    Date of Patent: May 30, 2017
    Assignee: The Boeing Company
    Inventors: Ken D. Bouvier, Scott R. Greene, Stephen E. Nann, William E. Wojczyk, Jr., Kevin M. Arrow
  • Patent number: 9659303
    Abstract: Some embodiments of the present invention include determining if updates performed by a second user include a systematic change such as a reversal of an update previously performed by a first user within a time window. The reversal is associated with a record of data used by a gamification application executing in a computer system. A time delay is introduced between the update performed by the second user and rewarding the second user if the update performed by the second user includes the reversal within the time window. An update history of the first user and the second user is evaluated to identify pattern of reversals associated with similar records within the time window. The second user is prevented from being rewarded based on identifying that there are patterns of reversals from the update history occurring within the time window.
    Type: Grant
    Filed: March 26, 2014
    Date of Patent: May 23, 2017
    Assignee:, inc.
    Inventors: Mehmet Orun, Matthew Fuchs
  • Patent number: 9589265
    Abstract: A mobile payment method is to be implemented by a transaction device, and includes: receiving payment information, transmitting the payment information to a payment institution server, providing the payment information to a payment device, and receiving a payment result. The payment device is enabled to generate a payment request when the payment institution server determines that the payment information received from the payment device conforms to the payment information received from the transaction device, and to transmit the payment request to the payment institution server for subsequent processing of the payment according to the payment information included in the payment request.
    Type: Grant
    Filed: May 4, 2015
    Date of Patent: March 7, 2017
    Inventor: Chien-Kang Yang
  • Patent number: 9516143
    Abstract: A system and method of assembly and use of integration applications includes receiving a first request for services from a first client, the first request for services includes a first custom services header including one or more service descriptors, parsing the first custom services header to extract each of the service descriptors, determining a service corresponding to each of the service descriptors, inserting a request for the service into an integration application, deploying the integration application to an application server, adding a first entry to an application list, the first entry corresponding to the integration application, forwarding the first request for services to the integration application, receiving a response from the integration application, and returning the response to the first client.
    Type: Grant
    Filed: August 8, 2013
    Date of Patent: December 6, 2016
    Assignee: RED HAT, INC.
    Inventors: Filip EliĆ”{hacek over (s)}, Filip Nguyen
  • Patent number: 9407612
    Abstract: Technologies for secure inter-virtual network function communication include a computing device to determine a cryptographic key for secure communication over at least one of an inter-virtual network function (VNF) network, an inter-virtual network function component (VNFC) network, or a VNF-VNFC network based on a security policy of the computing device; and. The computing device securely communicates over at least one of the inter-VNF, inter-VNFC, or VNF-VNFC network based on the determined cryptographic key.
    Type: Grant
    Filed: October 31, 2014
    Date of Patent: August 2, 2016
    Assignee: Intel Corporation
    Inventors: Kapil Sood, Jeffrey B. Shaw, John R. Fastabend
  • Patent number: 9208485
    Abstract: Methods and systems for facilitating online transactions are disclosed. One method includes supplying content for display in a frame of a website, the website hosted by a third-party. The method also includes receiving transaction information from the third-party, and returning a token to the frame, the token including state information based on the transaction information. The method further includes passing the token from the frame to the third-party. The method optionally also includes receiving the token from the third-party and transferring funds from a first account to a second account based on the transaction information and the state information.
    Type: Grant
    Filed: March 24, 2008
    Date of Patent: December 8, 2015
    Inventors: Robert Kerner, Weidong Tang
  • Patent number: 9135619
    Abstract: Novel features to be used in a proxy card payment system include a real-time request to override a declined transaction or to select a different financial account and the insertion of user identification information into the transaction approval message sent to the merchant. A payment request is forwarded to the payment system, which maintains the proxy card account and determines whether the transaction violates a user-defined rule. If the transaction is declined by the issuer that maintains the financial account, or the payment system for violation of a user-defined rule, the payment system sends a real-time message to the user. The user is prompted to override the rule causing the transaction to be declined or to select a new account to process the transaction. Once the payment system receives authorization for the transaction, it inserts the user identification information in an approval message before transmitting the approval to the merchant.
    Type: Grant
    Filed: May 25, 2012
    Date of Patent: September 15, 2015
    Assignee: GOOGLE INC.
    Inventors: Pavel Simakov, Osama Bedier, Angela Chun Wah Lai, Prasenjit Phukan
  • Patent number: 9047629
    Abstract: The present invention relates to a method of enabling a computer network transaction for a product being purchased by a buyer from a seller, comprising the steps of generating a once-only transaction identification means associated with the transaction, providing the transaction identification means to a transaction acquirer, together with a buyer identification means which identifies the buyer to the transaction acquirer, and providing the once-only identification means to the seller, whereby the seller may provide the transaction identification means to the transaction acquirer and the transaction acquirer can match the transaction identification means received from the seller with the transaction identification means they have been provided with and, if they match, can enable settlement of the transaction.
    Type: Grant
    Filed: July 21, 2009
    Date of Patent: June 2, 2015
    Assignee: Safepay Australia PTY Limited
    Inventor: John O'Hara
  • Patent number: 8983871
    Abstract: The present invention relates to a system, a method, a service server, a mobile communication terminal, an end-point terminal, and a storage medium, for providing a service to an end-point terminal that uses authentication information of a mobile communication terminal to which it is not currently connected, wherein the end-point terminal is connected to a first mobile communication terminal and to a second mobile communication terminal through a short-range communication network and to a service server via the second mobile communication terminal. The end-point terminal uses the authentication information of the first mobile communication terminal and is connected to the service server which is connected to the first and second mobile communication terminals through the mobile communication network, for authenticating the end-point terminal that uses the authentication information of the first mobile communication terminal.
    Type: Grant
    Filed: October 13, 2009
    Date of Patent: March 17, 2015
    Assignee: SK Telecom Co., Ltd.
    Inventors: Jeong Hoon Lee, Jeong Min You, In Hwan Kim, Hoo Jong Kim, Sung Il Kim
  • Patent number: 8983874
    Abstract: A micropayment system and method is presented for a payor U to establish payment to payee M for a transaction T, which typically has a very low value TV. The micropayment scheme minimizes the bank's processing costs, while at the same time eliminating the need for users and merchants to interact in order to determine whether a given micropayment should be selected for payment. In one embodiment, the micropayment scheme includes time constraints, which require that an electronic check C for the transaction T be presented to a bank B for payment within a predetermined time/date interval. In another embodiment, the micropayment scheme includes a selective deposit protocol, which guarantees that a user is never charged in excess of what he actually spends, even within a probabilistic framework. In another embodiment, the micropayment scheme includes a deferred selection protocol, which provides the bank with control and flexibility over the payment selection process.
    Type: Grant
    Filed: October 14, 2009
    Date of Patent: March 17, 2015
    Assignee: Massachusetts Institute of Technology
    Inventors: Silvio Micali, Ronald L. Rivest
  • Patent number: 8977568
    Abstract: Anonymous mobile payments enable a user to make and/or receive payments without disclosing personal or private information to another party. In some aspects, a provider of a payment may request an anonymous payment for a specified value from a host. In response, the host may transmit to the provider a code that is available for redemption. The provider may then relay the code to a recipient, who may redeem the code from the host. In other aspects, a recipient may request a temporary identifier (special code) from a host. The recipient may relay the temporary identifier to a provider, who may in turn transmit a payment, via the host, using the temporary identifier. The recipient may then claim the payment from the host. In additional aspects, the codes of the anonymous payments may include expiration times and/or restrictions on a number of uses of the code.
    Type: Grant
    Filed: March 13, 2013
    Date of Patent: March 10, 2015
    Assignee: Amazon Technologies, Inc.
    Inventors: Paul C. Schattauer, Derek Edward Wegner, Diwakar Gupta, Chih-Jen Huang, Philip Yuen
  • Patent number: 8965811
    Abstract: Pursuant to some embodiments, methods, systems, apparatus, computer program code and means for conducting an online transaction by a user operating a computer are provided which include identifying, at the computer, that the user has selected a secure payment option during a transaction with a merchant. The computer is caused to enter a private session. During the private session, payment card data from a physical payment card held by the user is received, and the payment card data is forwarded to a payment provider to cause the payment provider to provide substitute payment card details to the merchant to complete the transaction.
    Type: Grant
    Filed: October 5, 2009
    Date of Patent: February 24, 2015
    Assignee: MasterCard International Incorporated
    Inventor: John R. Wankmueller
  • Patent number: 8918341
    Abstract: A system and method for generating a return label for merchandise being returned from a buyer or consumer in a first country to a merchant in a second country. A name and address of a consumer in the first country desiring to return merchandise and merchant or seller information including a merchant identifier is received. An address for receiving returns for the merchant or seller in the second country is accessed based on the merchant information. One or more machine readable identifiers for use by a first country carrier and for use by a second country carrier based at least on the consumer information, and information for routing the return merchandise are generated. A return label for merchandise being returned from the consumer to the merchant is generated. The return label can include the machine readable identifiers and a customs declaration for the merchandise.
    Type: Grant
    Filed: March 6, 2013
    Date of Patent: December 23, 2014
    Assignee: United States Postal Service
    Inventors: Shea R. Felix, Kate A. Sobel, Rachel E. Clausen
  • Publication number: 20140365377
    Abstract: A method of authorizing a transaction involves a computer server authenticating a payment cardholder from a cardholder credential, and receiving a request from a communications terminal to initiate an online transaction with the server. The server communicates with a database of clusters, each uniquely associated with a respective cardholder and identifying an authentication card and a partial payment card number. The server requests an authentication credential from the terminal in response to determining that the requested transaction possesses a high risk of fraud. The server receives the requested authentication credential, and uses the cardholder and authentication credentials to locate the authentication card uniquely associated with the cardholder and the authentication credential in the database. The authentication credential has fewer digits than the account number of the located authentication card.
    Type: Application
    Filed: June 10, 2014
    Publication date: December 11, 2014
    Inventors: Hisham SALAMA, Lauren Van Heerden, Ian Sundberg, Anand Kannan, Orin Del Vecchio
  • Patent number: 8909556
    Abstract: A gateway device and methods performed therein to prevent unauthorized client devices from connecting to the host network of the gateway device is described. The gateway device does not respond right away to an individual client message sent to the gateway device. Instead, the gateway device only responds to a predetermined sequence of the client messages, which is only known to the gateway device and authorized client devices. Because the gateway device will not respond to random client messages and the likelihood that an unauthorized client device can correctly guess the predetermined sequence of the client messages is low, the risk of a malicious party being able to hack into the host network, for example, by using port scanning techniques, can be mitigated.
    Type: Grant
    Filed: July 20, 2012
    Date of Patent: December 9, 2014
    Assignee: Visa International Service Association
    Inventor: Horatio Nelson Huxham
  • Patent number: 8880432
    Abstract: A system and method of using Electronic Funds Transfer (EFT) to complete payment for goods and services. An example method of operating a transaction terminal includes identifying items selected by a customer for purchase, determining a required payment amount for the items, obtaining identification information from the customer, obtaining contact information and payment information, including bank account information and bank routing number information, from a customer profile associated with the identification information, creating a check image, sending a request for payment message providing access to the check image and the payment information to a mobile communication device of the customer using the contact information in the customer profile, and receiving a reply message from the mobile communication device authorizing payment for the items via electronic funds transfer and including a 2D barcode containing the check image and the payment information.
    Type: Grant
    Filed: May 30, 2012
    Date of Patent: November 4, 2014
    Assignee: NCR Corporation
    Inventor: Donald A. Collins, Jr.
  • Patent number: 8873744
    Abstract: An electronic document processing system 900 includes a digital image generating unit 15 generating a digital image in a predetermined range of the electronic document; an image encrypting unit 11 generating an encrypted image by converting at least a partial area of the generated digital image; a data encrypting unit 21 generating encrypted data by extracting data contained in the predetermined range in pieces of data organizing the electronic document and encrypting the data; an encrypted data storing unit 22 storing the encrypted data; and an encrypted electronic document generating unit 23 generating an encrypted electronic document by replacing the data contained in the predetermined range in the electronic document with the encrypted image.
    Type: Grant
    Filed: October 6, 2010
    Date of Patent: October 28, 2014
    Assignees: PFU Limited, Fujitsu Limited
    Inventors: Yasuharu Inami, Mutsumu Nagashima, Kensuke Kuraki, Taizo Anan
  • Patent number: 8838502
    Abstract: A method of authorizing a commercial transaction between a customer and a provider of goods or services over a network, wherein the provider of goods or services requests that the customer provide authentication by activating a fingerprint identification device, and the provider of goods or services receives at least an authentication code of the customer over the network from the fingerprint identification device, the method comprising the steps of: providing the customer with the fingerprint identification device which produces the authentication code when a fingerprint of the customer matches a stored fingerprint within the fingerprint identification device; receiving at least the authentication code from the provider of goods or services over the network; and authorizing the transaction if at least the authentication code is valid.
    Type: Grant
    Filed: April 10, 2012
    Date of Patent: September 16, 2014
    Assignees: Sony Corporation, Sony Electronics Inc.
    Inventor: Kiyohiko Niwa
  • Patent number: 8825536
    Abstract: Systems and methods are disclosed for performing online charging for text messages. One embodiment comprises a system that handles a Mobile Originated (MO) text message. The system receives a send request for the MO text message, and generates an online credit request for the MO text message. The system determines a type of originating network for the MO text message, and inserts an indicator of the originating network type in the online credit request. The system may also determine a type of terminating network for the MO text message, and insert an indicator of the terminating network type in the online credit request. The system then transmits the online credit request to an online charging system to charge for the MO text message.
    Type: Grant
    Filed: July 18, 2011
    Date of Patent: September 2, 2014
    Assignee: Alcatel Lucent
    Inventors: Yigang Cai, Shaumir Shah, Sanjeev Singh
  • Patent number: 8819183
    Abstract: Request processing within a computing environment is facilitated. Request processing and analytics processing for the request are performed substantially concurrently in order to improve efficiency of request execution. The analytics processing is at least commenced, and may complete, prior to receiving an indication of success or failure of the request processing. If request processing fails, analytics processing ceases, if not already complete, and results of the analytic processing are not used.
    Type: Grant
    Filed: December 15, 2009
    Date of Patent: August 26, 2014
    Assignee: International Business Machines Corporation
    Inventors: Rajaram B. Krishnamurthy, Carl J. Parris, Charles Boice, Lurng-Kuo Liu
  • Patent number: 8781957
    Abstract: A secure payment method includes receiving, at a computer of a payment service, a request from a requester for a one time use transaction identification token for a transaction. The one time use transaction identification token is provided from the payment service computer to the requester. The one time use transaction identification token is received at the payment service from a merchant communications apparatus under the control of a merchant. Electronic payment information for the transaction is issued from the payment service to the merchant upon validating the one time use transaction identification token.
    Type: Grant
    Filed: November 30, 2011
    Date of Patent: July 15, 2014
    Assignee: AT&T Intellectual Property I, L.P.
    Inventors: James Jackson, Mehrad Yasrebi
  • Patent number: 8782760
    Abstract: An authentication server transmits authentication information used to authenticate the transmission origin of an authentication request, to a sub-authentication server, when receiving the authentication request. The authentication server transmits identification information to identify the sub-authentication server to which the authentication information is transmitted, to a terminal. The terminal includes a transmission destination storage unit that stores identification information to identify the transmission destination of the authentication request and transmits the authentication request to the transmission destination identified with the identification information stored by the transmission destination storage unit. The terminal updates the identification information using the identification information, when receiving the identification information.
    Type: Grant
    Filed: April 21, 2011
    Date of Patent: July 15, 2014
    Assignee: Fujitsu Limited
    Inventor: Ken Kamakura
  • Patent number: 8775188
    Abstract: Embodiments of the present invention provide a method for voice approval, where the method includes: receiving voice approval request information sent by an enterprise application server; establishing a voice communication connection with the terminal according to the contact information of the approver terminal; sending approval content audio information corresponding to the voice approval request information to the approver terminal; receiving feedback information, and obtaining approval result information according to the feedback information; and sending the approval result information to the enterprise application server. Embodiments of the present invention also provide a device and system for voice approval. In the embodiments of the present invention, the enterprise application server and the enterprise gateway are combined and improved to enable an approver to approve, in voice mode, an approval request raised by an applicant, thereby increasing the approval efficiency.
    Type: Grant
    Filed: July 25, 2013
    Date of Patent: July 8, 2014
    Assignee: Huawei Technologies Co., Ltd.
    Inventors: Weijun Deng, Yu Yin, Liyan Song
  • Patent number: 8776187
    Abstract: Guest user are enabled to access network resources through an enterprise network using a guest user account. A guest user account may be created for a guest for a limited time. Guest account credentials of the guest account may be provided to the guest to use the guest account using any of a variety of techniques described herein, for example, by scanning a guest access card, credit card or mobile telephone of guest user, and providing the guest account credentials to the user based on the information obtained. A guest access management server may be configured to generate and maintain guest accounts, authenticate guest users, and track and log guest activity. A VLAN technology may be used to separate guest traffic from host enterprise traffic on the host enterprise network. After a guest user is authenticated, communications to and from the guest user may be routed to a guest VLAN.
    Type: Grant
    Filed: July 21, 2006
    Date of Patent: July 8, 2014
    Assignee: Microsoft Corporation
    Inventors: Amer A. Hassan, Andrew Baron, Christian Huitema, Deyun Wu, Mahmood H. Khadeer, Vishesh M. Parikh, Wajih Yahyaoui
  • Patent number: 8756161
    Abstract: The invention concerns a method of making a payment transaction by a customer including steps of receiving, by a mobile device (402) of the customer, merchant data; transmitting, by the mobile device to a remote server (408), a payment transaction request including the merchant data; determining, by the remote server, the identity of the customer based on the request and the identity of the merchant based on the data; and implementing the payment transaction between bank accounts of the customer and the merchant.
    Type: Grant
    Filed: February 10, 2009
    Date of Patent: June 17, 2014
    Assignee: Accenture Global Services Limited
    Inventors: Robert Hasson, Emmanuel Viale, Jeremy Light
  • Patent number: 8750901
    Abstract: A mobile payment network receives a payment request from a first user operating a first mobile device and identifies recipients of the payment request based at least in part on the proximity of other mobile devices to the first mobile device.
    Type: Grant
    Filed: June 26, 2008
    Date of Patent: June 10, 2014
    Assignee: Amazon Technologies, Inc.
    Inventors: Diwakar Gupta, Paul C. Schattauer, Chih-Jen Huang, Kiran Kumar Meduri
  • Patent number: 8744943
    Abstract: A method for displaying values specified in a number of offers for a number of offer variables with respect to price includes receiving data for multiple offers that reflects values specified in the offers for multiple offer variables and generating a display of the received data. The display includes multiple offer variable windows that are each associated with an offer variable. Each offer variable window includes an offer price axis representing a range of offer prices and an offer variable axis substantially perpendicular to the offer price axis that represents a range of values for the offer variable associated with the offer variable window. Each offer variable window includes multiple bars. Each bar represents a value specified in offers for the offer variable associated with the offer variable window and is positioned with respect to the offer price axis according to an offer price specified in the offers.
    Type: Grant
    Filed: March 11, 2013
    Date of Patent: June 3, 2014
    Assignee: JDA Software Group, Inc.
    Inventor: Manoel Tenorio
  • Patent number: 8726025
    Abstract: An enterprise system includes a storage having stored thereon a private key and a processor that is configured to receive a data object including an encrypted datum; decrypt the encrypted data based on the private key to generate a first string of digits, each digit including N bits, wherein N is a positive integer; shuffle the N bits of the each digit according a pre-determined pattern of bit positions to generate a second string of digits; and substitute a subset of the N bits of the each digit with pre-determined bits to generate a third string of digits.
    Type: Grant
    Filed: July 19, 2012
    Date of Patent: May 13, 2014
    Assignee: SAP AG
    Inventor: Wolfgang Dittrich
  • Patent number: 8708805
    Abstract: A gaming system is provided. The gaming system allows users to access applications via gaming communication devices coupled to a communication network. At least a portion of the network may be wireless. The gaming applications include gambling, financial, entertainment service, and other types of transactions. The system may include a user location determination feature to prevent users from conducting transactions from unauthorized areas. The gaming system may incorporate a user profile feature according to which certain information regarding users of the system may be maintained. Such information can include, without limitation, information relating to preferences, finances, activities participated in by the users, and trends and habits of the users.
    Type: Grant
    Filed: August 15, 2012
    Date of Patent: April 29, 2014
    Assignee: CFPH, LLC
    Inventors: Lee M. Amaitis, Joseph M. Asher, Robert F. Bahrampour, Darrin M. Mylet, Alan B. Wilkins, Howard W. Lutnick
  • Patent number: 8662384
    Abstract: A computer-implemented method of effectuating an electronic on-line payment includes receiving at a computer server system a text message from a payor containing a payment request representing a payment amount sent by a payor device operating independently of the computer server system, determining a payment amount associated with the text message and debiting a payor account for an amount corresponding to the amount of the payment request, and crediting an account of a payee that is independent of the computer server system.
    Type: Grant
    Filed: February 28, 2006
    Date of Patent: March 4, 2014
    Assignee: Google Inc.
    Inventor: Ramy Dodin
  • Patent number: 8660966
    Abstract: In one embodiment, transferring payment between a first user and a second user of a communication system includes displaying a contact list in a user interface of a client executed at a user terminal of the first user, the contact list including the second user. The client retrieves and displays at least one page from a payment provider responsive to the first user selecting the second user from the contact list. The client transmits, to the payment provider, information related to the payment entered into the page by the first user, which causes the payment provider to transfer the payment from an account of the first user to an account of the second user.
    Type: Grant
    Filed: August 31, 2007
    Date of Patent: February 25, 2014
    Assignee: Microsoft Corporation
    Inventors: Siim Viidu, Edith Coenen, Andres Kutt, Kristen Ondeck
  • Patent number: 8655783
    Abstract: A computer-implemented method includes issuing a transaction on the Automated Clearing House (ACH) electronic network, the transaction including instructions for printing a check, receiving the transaction, and printing the check according to the instructions.
    Type: Grant
    Filed: March 18, 2010
    Date of Patent: February 18, 2014
    Assignee: Yodlee, Inc.
    Inventors: Gary Williams, Peter Hazlehurst, Jayasree Iyer, Julieta Abad
  • Patent number: 8655789
    Abstract: Facilitating transactions using non-traditional devices and biometric data to activate a transaction device is disclosed. A transaction request is formed at a non-traditional device, and communicated to a reader, wherein the non-traditional device may be configured with an RFID device. The RFID device is not operable until a biometric voice analysis has been executed to verify that the carrier of the RFID equipped non-traditional device is the true owner of account information stored thereon. The non-traditional device provides a conduit between a user and a verification system to perform biometric voice analysis of the user. When the verification system has determined that the user is the true owner of one or more accounts stored at the verification system, a purchase transaction is facilitated between the verification system. Transactions may further be carried out through a non-RF device such as a cellular telephone in direct communication with an acquirer/issuer or payment processor.
    Type: Grant
    Filed: February 6, 2009
    Date of Patent: February 18, 2014
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Fred Bishop, Peter D. Saunders
  • Patent number: 8645280
    Abstract: A method for verifying permission to use a payment system such as an electronic credit card, using a hand held communication device such as a smart phone, where the customer presents the communication device to a merchant who extracts account information from the hand held device, and the hand held device generates a transaction code that is shared with the merchant and sent by both to a financial institution. The financial institution sends a new random code to the user and the merchant, which can be compared to verify the user's account and the financial institution's approval of the transaction.
    Type: Grant
    Filed: December 9, 2011
    Date of Patent: February 4, 2014
    Inventor: Craig McKenzie
  • Publication number: 20140032419
    Abstract: Methods and systems are disclosed for the generation and use of merchant-customizable token formats that define tokens that represent credit card and other payment numbers in online transactions. The tokens, which are used instead of the card numbers themselves for security, can be specified by the token format to have a certain number of characters, have certain fields reserved for major card identifiers, use encryption and/or randomization, be alphanumeric, and have other formatting. The customized tokens can be used with legacy equipment that uses longer or shorter card numbers than the standard sixteen-digit payment card number format and can be less likely to be recognized as related to card numbers by identify thieves.
    Type: Application
    Filed: July 26, 2012
    Publication date: January 30, 2014
    Inventors: Lisa Anderson, Seamus Cushley, Fergal Downey
  • Patent number: 8639630
    Abstract: Methods and systems for providing items of content over a peer-to-peer system are described. Items of content are requested from a central server by a downloading peer, and the central server determines uploading peers from whom the downloading peer may request parts of the content item.
    Type: Grant
    Filed: February 12, 2009
    Date of Patent: January 28, 2014
    Assignee: DDN IP Holdings Limited
    Inventors: Oleg Fomenko, Patrick Foreman, Andrew Kerdemelidis, Thong Nguyen
  • Patent number: 8635687
    Abstract: There is provided a method and device for providing personal data of first party to a second party. The personal data is stored in an electronic device comprising a mechanism for locking and unlocking access to the personal data and/or condition data stored therein associated with conditions for accessing said personal data. The second party receives the personal data dependent on whether the personal data is in a locked state and/or whether the conditions associated with the condition data are satisfied.
    Type: Grant
    Filed: September 6, 2002
    Date of Patent: January 21, 2014
    Assignee: MasterCard International Incorporated
    Inventor: Philip A. Binder
  • Publication number: 20140019367
    Abstract: A commercial transaction method is disclosed. The method first establishes a secure link over a first air interface by a purchasing device. This secure link is between the purchasing device and a point of sale device. The method further identifies a second air interface, which is different from the first air interface, and the second air interface is used to conduct a secure commercial transaction.
    Type: Application
    Filed: September 28, 2012
    Publication date: January 16, 2014
    Applicant: Apple Inc.
    Inventors: Ahmer A. KHAN, Brian J. Tucker, David T. Haggerty, Scott M. Herz
  • Patent number: 8626668
    Abstract: Systems and methods for individualized distribution of digital content to purchasers via portable kiosks are described. The systems contain a storage device for storing the digital content and distribution devices for distributing the digital content to a user. The distribution devices can be configured to be portable so that users who are not mobile can access the distribution device. As well, the users can use a receiving device containing unique identification data to receive and access the digital content. Such a system is extremely useful for users who are not mobile and whose use of the distribution devices needs to be controlled, such as detainees in a corrections facility. Other embodiments are described.
    Type: Grant
    Filed: June 10, 2008
    Date of Patent: January 7, 2014
    Inventors: Jon Butler, Mark W. Nakada, Michael D. Hamling
  • Patent number: 8627271
    Abstract: Particular embodiments provide a method for orchestrating an order fulfillment business process that includes a sub-process. In one embodiment, abstraction of business processes from an underlying information technology (IT) infrastructure is provided. An orchestration process can be designed using sub-processes such that the sub-process is assembled at run-time into an executable process. The sub-process may be defined in an interface as a single step. A plurality of services as then assembled as steps in the executable process at run-time.
    Type: Grant
    Filed: November 12, 2009
    Date of Patent: January 7, 2014
    Assignee: Oracle International Corporation
    Inventors: Lynn Leah Reed, Muhammad Zeeshan Butt, Shrikant Nene, Alok Singh, Krishna Raju Venkata Addala
  • Patent number: 8616978
    Abstract: A wagering game system and its operations are described herein. In embodiments, the operations can include managing multiple instances of gaming applications associated with a wagering game client device and determining event data from the multiple instances of gaming applications. The operations can further include aggregating the event data into an event repository and determining that a requesting application requests some portion of the event data. The operations can further include opening a communication channel between the event data repository and the requesting application, formatting the requested portion of the event data in a format understandable to the requesting application, and communicating the requested portion of the event data to the requesting application via the communication channel.
    Type: Grant
    Filed: September 1, 2010
    Date of Patent: December 31, 2013
    Assignee: WMS Gaming, Inc
    Inventors: Mark B. Gagner, Jacek A. Grabiec, Damon E. Gura, Budyanto Himawan, Jason A. Smith
  • Patent number: 8583031
    Abstract: An artist or a music company creates multimedia music contents using interactive media creating tools on their computer and upload to a fans club server. The fans club server maintains all fans registration information and client uploaded multimedia music/songs contents. An interactive media description module on the fans club server generates the interactive media using the multimedia contents provided by the client or the artist as its input. The generated interactive media will be distributed among the fans of the respective artist for playing on their mobile phones and review their contents online for a feedback before the songs being released in the market. The interactive media also prompts mobile phone user for purchasing the songs online. The mobile phone user can also purchase trial songs, and download on their mobile phone and make the online payment.
    Type: Grant
    Filed: November 1, 2007
    Date of Patent: November 12, 2013
    Inventor: Bindu Rama Rao
  • Patent number: 8583557
    Abstract: Methods, systems, and storage mediums for providing multi-media content storage and management services are provided. A method includes, from a single user interface: creating a library of content items, creating at least one other content item that includes an electronic greeting, and associating at least one component of the library with the electronic greeting to form an arrangement. The electronic greeting includes an electronic greeting card and a personalized message. The electronic greeting also includes a gift associated with a unique code. The gift includes one or more of a: music selection, movie, computer game, and video game. The gift is retrievable via electronic download upon entry of the unique code.
    Type: Grant
    Filed: October 28, 2008
    Date of Patent: November 12, 2013
    Assignee: AT&T Intellectual Property I, L.P.
    Inventors: Timothy A. Hill, Marie McMenamin, Zakir Patrawaia, Mukesh K. Singh
  • Patent number: 8577813
    Abstract: A device is configured to allow a user to select any of a plurality of accounts to employ in a financial transaction. The user device includes a biometric sensor configured to receive a biometric input, a user interface configured to receive a user input including secret information known to the user and identifying information concerning an account selected by the user from the plurality of accounts. The user device includes a communication link configured to communicate with a secure registry, and a processor coupled to the biometric sensor to receive information concerning the biometric input, the user interface, and the communication link. The processor is configured to generate a non-predictable value and encrypted authentication information from the non-predictable value, the identifying information, and at least one of the information concerning the biometric input and the secret information, and communicate the authentication information via the communication link to the secure registry.
    Type: Grant
    Filed: September 20, 2011
    Date of Patent: November 5, 2013
    Assignee: Universal Secure Registry, LLC
    Inventor: Kenneth P. Weiss
  • Patent number: 8577810
    Abstract: A method to authorize a mobile payment for a transaction. The method includes receiving a facial image of a consumer who requests the mobile payment for the transaction using account information stored in a mobile device of the consumer, wherein the facial image is provided by a point-of-sale (POS) device while initiating the transaction on behalf of the consumer, receiving a verified facial image of an account holder, comparing the facial image of the consumer and the verified facial image of the account holder based on a pre-determined criterion to verify the consumer as the account holder, generating, in response to verifying the consumer as the account holder, an authorization of the mobile payment based on the account information, and sending the authorization to the POS device to complete the transaction.
    Type: Grant
    Filed: September 29, 2011
    Date of Patent: November 5, 2013
    Assignee: Intuit Inc.
    Inventors: Christian Gregory Dalit, Colin J. Roper
  • Patent number: 8561100
    Abstract: An embodiment defines access control allowing the expression of access control rules using ontology based semantics and references an ontology subset using XPath as the ontological expression. The access control rules or access criteria are defined by an access control statement and may be expressed using classification criteria and ontology classes. The access control statement comprises a structural description that is used to define an asset and a logical expression that may be used to express the classification criteria. The access control statement defines access policy for various assets.
    Type: Grant
    Filed: July 25, 2008
    Date of Patent: October 15, 2013
    Assignee: International Business Machines Corporation
    Inventors: Jie Hu, Joanna W. Ng