Patents By Frip

PATENT: Utilizing machine learning to generate augmented reality delivery instructions for delivering an item to a location; US 10,262,290 B1; 4/16/2019; CPC G06Q 10/083; 20 claims; assigned to Capital One Services, LLC.

SUMMARY: According to some implementations, a device may include one or more memories, and one or more processors, communicatively coupled to the one or more memories, to receive delivery information indicating instructions for delivery of an item at a location, wherein the delivery information may include an image of the location with a designated point for delivering the item.

PATENT: Methods and systems for applying a rewards program promotion to payment transactions; US 10,262,303 B2; 4/16/2019; CPC G06Q 20/02; 26 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: A method for applying promotion codes to a payment transaction using an input device in communication with a database is provided. The payment transaction includes a purchase made by a cardholder using a payment card over a payment card network. The method includes storing promotion data within the database including at least one promotional program having a qualifying number of rewards points for a rewards program, and storing rewards data within the database including a current number of rewards points accumulated by the cardholder.

PATENT: Systems and methods for remote deposit of checks; US 10,262,305 B1; 4/16/2019; CPC G06Q 20/042; 23 claims; assigned to USAA.

ABSTRACT: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.

PATENT: System and method for intraday netting payment finality with supplemental funding; US 10,262,306 B2; 4/16/2019; CPC G06Q 20/10; 22 claims; assigned to The Clearing House Payments Company LLC.

ABSTRACT EXCERPT: A system and method are disclosed for continuous intraday final settlement of payment orders among a plurality of participants, each participant having facilities configured to electronically send and receive the payment orders in the form of payment messages. Primary positions, corresponding to balances in a prefunded balance account, are stored. Supplemental positions, corresponding to balances in the prefunded balance account, are stored. Payment messages are received from sending participants.

PATENT: Cardless challenge systems and methods; US 10,262,308 B2; 4/16/2019; CPC G06Q 20/12; 17 claims; assigned to Visa U.S.A. Inc.

ABSTRACT EXCERPT: Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Challenge questions may be presented from the non-merchant to the consumer after receiving the payment information, thereby allowing a judicious determination of when to ask such challenge questions and allowing complex and probative questions. The time limit for such challenge questions may advantageously be unconstrained, while still preserving security. Also, a risk analysis may be started prior to the consumer submitting payment information, thus allowing an efficient and complex risk analysis.

PATENT: Multi-account card; US 10,262,313 B2; 4/16/2019; CPC G06Q 20/22; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT: A system for conducting a transaction is disclosed. The system may include one or more memory devices storing instructions and one or more processors configured to execute the instructions to receive information associated with a transaction initiated using a multi-account card. The one or more processors may be further configured to select and employ one of a plurality of transaction accounts to complete the transaction.

PATENT: System and method for enabling a mobile communication device to operate as a financial presentation device; US 10,262,314 B2; 4/16/2019; CPC G06Q 20/3226; 25 claims; assigned to Visa U.S.A. Inc.

ABSTRACT EXCERPT: A provisioning system for enabling a mobile communication device to operate as a financial presentation device (FPD) presentable to providers of goods or service is provided. The provisioning system relies on a transaction processing system that normally routes authorization requests from merchants to issuers of FPDs for purposes of authorizing FPD transactions. The transaction processing system stores security keys of all issuers in order to validate transaction data sent from the merchants. The provisioning system monitors authorization requests routed through the transaction processing system and retrieves an authorization request of a financial transaction initiated with a particular FPD.

PATENT: Automatically activating a transaction card by detecting a change associated with a package that carries the transaction card; US 10,262,319 B1; 4/16/2019; CPC G06Q 20/354; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: A first device may be implemented within a package that is for transporting a second device requiring activation. The first device may determine whether the package has been opened based on whether a trigger condition has been satisfied. The trigger condition may be satisfied when a value identifying an amount of an electrical property of a conductive structure sealing the package satisfies a first threshold value or when a value identifying an amount of a measurable property associated with the package satisfies a second threshold value.

PATENT: System and method of managing data injection into an executing data processing system; US 10,262,323 B2; 4/16/2019; CPC G06Q 20/4016; 6 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A system and method of modifying an execution of a processing system during runtime are provided. The method uses a computing device having at least one processor and at least one memory device and includes receiving an indication of data or instructions being available for modifying the execution of the processing system during runtime, determining at least one data element associated with the indication of data or instructions, generating metadata based on at least one of the indication and the determined at least one data element, and periodically executing a job, the job reads the metadata and modifies a workflow of the processing system based on the metadata.

PATENT: Anti-skimming card reader computing device; US 10,262,326 B1; 4/16/2019; CPC G06Q 30/0185; 20 claims; assigned to Wells Fargo Bank, N.A.

SUMMARY: In general, this disclosure describes an anti-skimming computing device configured to detect a presence of a skimming device affixed over a card reader component of the computing device. The anti-skimming computing device may be an automatic teller machine (ATM), a "pay at the pump" gas station terminal, a "self-checkout" store terminal, or another computing device having a card reader. According to the techniques described in this disclosure, the anti-skimming computing device uses a two-stage process to detect the presence of a skimming device affixed over a card reader component that includes the card reader of the anti-skimming computing device.

PATENT: Integrated internet banking system and method of use; US 10,262,332 B2; 4/16/2019; CPC G06Q 30/0226; 13 claims; assigned to San Diego County Credit Union.

ABSTRACT EXCERPT: As part of an integrated banking platform, an internet banking platform includes a banking server, a processor, and a memory module. The memory module includes stored computer program code. The memory module, the stored computer program code, and the processor are configured to cause the banking server to receive access to a rewards program server associated with a rewards account platform. Further, the server is caused to receive enrollment information associated with a user, and to connect to the rewards program server.

PATENT: Merchant continuity correction using cardholder loyalty information; US 10,262,358 B2; 4/16/2019; CPC G06Q 40/00; 12 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: A computer-implemented method of maintaining continuity of transaction data associated with a merchant within a payment card network includes identifying new merchant IDs and associated new merchant information from a database, the new merchant IDs and associated new transactions generated after a predetermined timestamp; and identifying discontinued merchant IDs and associated discontinued merchant information from the database, the discontinued merchant IDs associated only with older transactions generated before the predetermined timestamp and thus appearing to have been discontinued after the predetermined timestamp.

PATENT: Financial status display; US 10,262,359 B2; 4/16/2019; CPC G06Q 40/00; 13 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: Systems and methods are provided for displaying account information. The systems and methods may include a status display device connected to a network in a home or office environment. The status display may be configured to provide a constant status indicator, to provide a user with a quick and simple account status, without the need for multi-step login and verification processes. The status display may receive account status information from a server, the account status information excluding sensitive information identifying the user or the account.

PATENT: Systems and methods for managing a loan application; US 10,262,363 B2; 4/16/2019; CPC G06Q 40/025; 18 claims; assigned to Capital One Financial Corporation.

ABSTRACT EXCERPT: The disclosed embodiments provide systems and methods for managing a loan application. In one embodiment, a method is disclosed that may include identifying one or more unfulfilled conditions associated with a loan application of a customer and sending, to a customer device, a request for a loan application document based on the identified one or more unfulfilled conditions. The method may also include receiving, from the customer device, a responsive loan application document.

PATENT: Method and a computerized exchange system for processing trade orders; US 10,262,365 B2; 4/16/2019; CPC G06Q 40/04; 8 claims; assigned to Nasdaq Technology AB.

ABSTRACT EXCERPT: Methods and computerized exchange systems for processing trade orders are disclosed. In the computerized exchange system, a sequencer is configured to sequence incoming order entry messages for thereby putting incoming order entry messages in a sequenced order and to send, from the sequencer, order entry message(s) in a sequenced order to a plurality of order book engines.

PATENT: Trading system products and processes; US 10,262,366 B2; 4/16/2019; CPC G06Q 40/04; 20 claims; assigned to CFPH, LLC.

ABSTRACT: A trading platform and trading method that allows access to additional pools of liquidity is described. Other embodiments are also described.

PATENT: Apparatus, data base system and computer program product for trading financial instruments; US 10,262,368 B2; 4/16/2019; CPC G06Q 40/04; 5 claims; assigned to Huddlestock Capital AS (NO).

ABSTRACT: According to an aspect of the present disclosure, there is provided a complex artificial (virtual) proprietary trading platform based on a multi-agent approach. This implies providing an advanced trading platform that trades automatically when it detects "windows" or opportunities for financial gain for a crowd of users to trade. This allows a group of users to invest in the same trade and by doing so allows them to reduce trading costs, confirm with others in the `huddle` that the idea is worth investing in and have fractional ownership of shares. This trading platform is embodied as an apparatus, data base system and computer program product for proprietary trading financial instruments.

PATENT: Systems and methods to implement an exchange messaging policy; US 10,262,369 B2; 4/16/2019; CPC G06Q 40/04; 30 claims; assigned to Intercontinental Exchange Holdings, Inc.

ABSTRACT: Systems for and methods of evaluating messaging, comprising, receiving, via at least one server device, one or more messages, and said at least one server device processing at least one of the one or more messages by grading content included in said at least one message, applying a weighting factor to said at least one message according to said grading, thereby determining a weighted message count for said at least one message, aggregating the weighted message count for said at least one message, and initiating an action if the aggregated weighted message count meets or exceeds a predetermined count threshold.

PATENT: Dynamic portfolio simulator tool apparatuses, methods and systems; US 10,262,370 B2; 4/16/2019; CPC G06Q 40/06; 9 claims; assigned to FMR LLC.

CLAIM 1 EXCERPT: A dynamic range slider user interface stored in a non-transient processor-readable medium storing processor-executable instructions issuable by a processor to. . . generate and provide a dynamic range slider bar compositing the updated slider bar and slider value selector knob for interaction.

PATENT: System for utilizing a retirement score to receive benefits; US 10,262,372 B2; 4/16/2019; CPC G06Q 40/06; 18 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: Embodiments of the invention are directed to systems, methods, and computer program products utilizing a generated retirement score for use qualification and authorization to receive benefits. In this way, the invention calculates a retirement score for the user indicating the user's preparedness for retirement at a future predetermined date, wherein the future predetermined date is selected by the user. In response, the system displays the retirement score on a retirement planning interface on a user device.

PATENT: Transaction identification and recognition; US 10,262,378 B2; 4/16/2019; CPC G06Q 40/12; 8 claims; assigned to MasterCard International Incorporated.

SUMMARY: This disclosure relates generally to transaction identification and recognition. In aspects, it relates particularly to recognition of transactions in a system where it is not certain whether specific transaction data will be provided to the system. This is particularly relevant to the provision of electronic receipts for transactions, particularly contactless mag stripe transactions.

PATENT: System, method and apparatus for detecting absent airline itineraries; US 10,255,561 B2; 4/9/2019; CPC G06Q 10/025; 20 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A system, method, and non-transitory computer-readable storage medium to detect absent airline itineraries.

PATENT: System and method for incremental object tracking and progressive remittance; US 10,255,579 B2; 4/9/2019; CPC G06Q 10/0833; 20 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A shipping remittance processor may receive periodic checkpoint data packets during shipping of an object, via a handler, along a shipping route. The shipping remittance processor may then analyze tracking information located in the checkpoint data packet to determine if the tracking information is authentic, and if the object has reached a checkpoint along the shipping route. If the object has reached the checkpoint, the shipping remittance processor may output a remittance indication indicating to output a portion of the total delivery remittance to the handler's remittance account.

PATENT: Access controls for transfer transactions; US 10,255,589 B1; 4/9/2019; CPC G06Q 20/10; 14 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT EXCERPT: Access controls for transferring funds from a customer to a designated recipient using a transaction machine and a one-time account and/or an authentication process that does not involve the use of a transaction card are disclosed.

PATENT: Payment channel returning limited use proxy dynamic value; US 10,255,591 B2; 4/9/2019; CPC G06Q 20/12; 18 claims; assigned to Visa International Service Association.

ABSTRACT: A central platform provides proxy dynamic values for any one of a number of a cardholder's portable payment devices, upon a request for such information made during a transaction. The proxy dynamic value can be provided to the merchant, who then can route it into the acceptance network in order to initiate the authentication process. The central platform provides the actual primary account number associated with the proxy dynamic value during the authentication process.

PATENT: Method, apparatus, and computer program product for topping up prepaid payment cards for offline use; US 10,255,596 B2; 4/9/2019; CPC G06Q 20/349; 11 claims; assigned to MasterCard International Incorporated.

SUMMARY: Principles of the present invention provide techniques for topping up prepaid payment cards for offline use. An exemplary embodiment of a method, according to one aspect of the invention, includes the step of facilitating a card holder carrying out an initial top-up of a balance of a pre-paid payment card. The prepaid payment card is configured for use in an infrastructure in accordance with a payment specification requiring different behavior for normal payment transactions in the infrastructure versus that required for topping-up of the balance.

PATENT: Cryptocurrency offline vault storage system; US 10,255,600 B2; 4/9/2019; CPC G06Q 20/3829; 15 claims; assigned to Bank of America Corporation.

ABSTRACT: A system includes a memory that may store a customer account associated with a customer and a processor communicatively coupled to the memory. The processor is able to receive a request to deposit a quantity of cryptocurrency into the customer account and associate the quantity of cryptocurrency with the customer account. The processor is also able to deposit the quantity of cryptocurrency into a vault connected to a network and determine a total quantity of cryptocurrency deposited into the vault. The processor may also, in response to determining the total quantity of cryptocurrency deposited into the vault exceeds a threshold, facilitate the disconnection of the vault from the network.

PATENT: Systems and methods for providing seller-initiated financing in private sales; US 10,255,633 B2; 4/9/2019; CPC G06Q 40/025; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: A financial service system configures a financing program to give sellers the opportunity to offer prospective buyers financing directly. The financial service system enrolls a given seller in the program, providing resources and services to the seller to help market the sale and select a credit-worthy buyer. Once the transaction is completed, the financial service system transfers proceeds to the seller, then configures a loan account and payment plan for the buyer.

PATENT: Slicer order quantity reduction tool; US 10,255,634 B2; 4/9/2019; CPC G06Q 40/04; 16 claims; assigned to Trading Technologies International, Inc.

SUMMARY: A slicer order is a synthetic strategy that involves breaking or slicing one order into multiple component orders that are traded separately. For example, an order may be time sliced and/or volume sliced. Slicer orders may be utilized to, for example, reduce a market impact when a total desired quantity of an order is large relative to market liquidity. The disclosed embodiments generally relate to a slicer order quantity reduction tool.

PATENT: PCA-based portfolio margining; US 10,255,636 B2; 4/9/2019; CPC G06Q 40/06; 25 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT EXCERPT: A computer implemented method determines a margin requirement for a financial product portfolio. Market conditions for the financial product portfolio are characterized by a zero curve. The method includes producing a plurality of scenario curves, each scenario curve reflecting a principal component analysis (PCA) model of the zero curve with a respective PCA factor of a plurality of PCA factors of the PCA model offset from a corresponding base value for the zero curve.

PATENT: System and method for developing and utilizing a contactability profile; US 10,248,917 B1; 4/2/2019; CPC G06Q 10/06311; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT: Systems and methods for developing and utilizing a contactability profile are disclosed. Contact information may be managed by receiving activity data associated with an entity, processing the received activity data, generating at least one contactability profile associated with the entity based upon a result of the processing, and storing the generated contactability profile.

PATENT: System and method for providing a driverless portable ATM; US 10,248,935 B2; 4/2/2019; CPC G06Q 20/1085; 12 claims; assigned to Capital One Services, LLC.

SUMMARY: The present disclosure relates to systems and methods for providing driverless mobile ATM services to a customer. The customer may obtain driverless mobile ATM services from a driverless vehicle-based mobile ATM.

PATENT: Systems and computer-implemented processes for depositing, withdrawing, and reusing currency for purchase transactions using an intelligent teller machine; US 10,248,936 B2; 4/2/2019; CPC G06Q 20/1085; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT: 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.

PATENT: Dynamic screen logo that transmits shopping basket connection information to mobile device; US 10,248,945 B2; 4/2/2019; CPC G06Q 20/3221; 16 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A design element is displayed on a display screen. The design element is modulated over time to encode data in the design element. The design element is presented by a merchant. A camera component of a mobile device is used to capture images over time of the design element. A payment application in the mobile device analyzes the captured images to obtain the encoded data. The payment application uses the encoded data to establish a communication channel with a merchant device operated by the merchant. As a result of communication over the communication channel, a purchase transaction is implemented, including transmission of payment credentials to the merchant from the payment application.

PATENT: Method of generating a bank transaction request for a mobile terminal having a secure module; US 10,248,947 B2; 4/2/2019; CPC G06Q 20/3227; 18 claims; assigned to Oberthur Technologies of America Corp.

ABSTRACT EXCERPT: The invention provides a method of generating a bank transaction request and a mobile payment terminal hosting a payment application using a secure token for the transaction request and including a secure module. The method comprises the payment application executing a payment protocol with a trader application in order to generate the transaction request, and the payment application requesting an authorization cryptogram from an encryption application hosted in the secure module for verifying authorization of the transaction request in compliance with the payment protocol.

PATENT: Methods and systems to securely load / reload a contactless payment device; US 10,248,950 B2; 4/2/2019; CPC G06Q 20/352; 19 claims; assigned to MasterCard International Incorporated.

ABSTRACT: Embodiments allow loading and reloading contactless payment devices using only a contactless terminal interface, while providing user authentication. The contactless terminal interface could be at a merchant POS location, kiosk, or embedded or attached to a personal computing device with contactless read/write capability such as a personal computer or mobile phone or Internet device.

PATENT: Automated account provisioning; US 10,248,952 B2; 4/2/2019; CPC G06Q 20/40; 13 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: Embodiments of the present invention are directed to systems, methods, and apparatus for allowing an issuer to initiate account provisioning on a mobile device without interacting with an accountholder. The issuer may initiate the process by sending a provisioning information request message to a mobile device with a secure element. The mobile device may recognize the provisioning request message and gather the requisite provisioning information without requiring user input. The provisioning information may include information associated with the secure element of the mobile device. The mobile device may then send a provisioning request message to a provisioning system.

PATENT: Systems and methods for providing tokenized transaction accounts; US 10,248,953 B2; 4/2/2019; CPC G06Q 20/405; 33 claims; assigned to The Toronto Dominion Bank.

ABSTRACT: The disclosed embodiments include methods and systems for providing tokenized transaction accounts. In one embodiment, a computer-implemented method is provided that may include generating, by one or more processors, a first tokenized transaction account from a first transaction account associated with a first user. The method may also include providing the first tokenized transaction account to a client device associated with the first user for storage in the client device and use in transactions. The method may also include updating the first tokenized transaction account based on one or more conditions and providing the updated first tokenized transaction account to the client device for storage and use in a subsequent transaction.

PATENT: Method and system for verifying user identity using card features; US 10,248,954 B2; 4/2/2019; CPC G06Q 20/409; 26 claims; assigned to Alibaba Group Holding Limited.

ABSTRACT: One embodiment of the present invention provides a system that facilitates identity verification based on various features of a card. During operation, a server receives a request for identity verification, where the request corresponds to an account and includes an image of a verifiable card. The server extracts a card feature from the verifiable card image for use as a verifiable card feature. In response to determining that the verifiable card feature matches a corresponding card feature of a registered card of the account, the server determines successful identity verification.

PATENT: Financial server, IC card terminal, and financial information processing method; US 10,248,955 B2; 4/2/2019; CPC G06Q 20/409; 19 claims; assigned to Sony Corporation.

ABSTRACT: A system capable of charging up electronic money cards using a credit card is provided. A PIN is authenticated between a card terminal and the credit card. The card terminal transmits to a credit company server an authentication result, amount information indicating an amount with which to charge up, and a credit card number of the credit card. After billing, the credit company server transmits the amount information and the credit card number to an electronic money server. The electronic money server identifies an electronic money card based on the credit card number. The electronic money server generates amount change information for adding the amount with which to charge up to "VALUE", and transmits the amount change information to the card terminal. The electronic money card updates the amount of "VALUE" stored therein to an amount specified by the amount change information.

PATENT: Credit default swap clearing; US 10,248,997 B2; 4/2/2019; CPC G06Q 40/04; 14 claims; assigned to Chicago Mercantile Exchange, Inc.

ABSTRACT: An electronic trading system is configured to trade credit default swap (CDS) futures contracts on an open exchange. The CDS futures contract allows the buyer and seller to isolate and trade the credit risk of a third party. The third party may be a corporation, sovereign government, or any entity that issues bonds or notes. The CDS futures contract seller effectively pays the premium over time in increments determined by market rates and through the natural operation of the open market. The CDS futures contract buyer makes a contingency payment if the CDS futures contract goes in-the-money (ITM). Both sides of the contract are guaranteed by the exchange as a counterparty.

PATENT: System and method for price-based annotations in an electronic trading environment; US 10,248,998 B2; 4/2/2019; CPC G06Q 40/04; 10 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: A system and method for generating and displaying annotations in relation to one or more prices corresponding to trader-related or market related events are described. In one embodiment, a trader may enter an annotation to be displayed in relation to one or more price levels. Alternatively, a trader may configure a dynamic annotation to be dynamically displayed in relation to some price level(s) upon detecting a predetermined event related to one or more tradeable objects. Also, a trader may configure one or more alarms to be displayed or played in combination with the annotations.

PATENT: System and method for optimizing the frequency of market information updates in an electronic trading environment; US 10,248,999 B2; 4/2/2019; CPC G06Q 40/04; 15 claims; assigned to Trading Technologies International, Inc.

ABSTRACT EXCERPT: A system and method for optimizing the frequency of market information updates in an electronic trading environment are described herein. According to one example embodiment, by optimizing the frequency of market information updates, the burden on the client device to update the graphical user interface may be reduced, while still providing an accurate portrayal of the market to the user.

PATENT: System and method for adaptive information dissemination; US 10,249,000 B2; 4/2/2019; CPC G06Q 40/04; 12 claims; assigned to Nasdaq Technology AB.

ABSTRACT: In a distributed network, there are different data rates on different connections between a central computer system and remote terminal. The central computer system includes one or more sets of data to be distributed to the remote terminals by extracting subsets of data from the set(s) of data. The subsets of data are distributed to selected groups of remote terminals based on an infrastructure load in order to adaptively distribute the data.

PATENT: System for dynamic visualization of individualized consumption across shared resource allocation structure; US 10,249,002 B2; 4/2/2019; CPC G06Q 40/06; 20 claims; assigned to Bank of America Corporation.

ABSTRACT: Embodiments of the invention are directed to systems, methods, and computer program products for implementing and visualizing individualized consumption across a shared resource allocation structure. Example embodiments include categorizing transactions associated with individual users associated with the shared resource allocation structure and implementing individuals display and viewing of such transactions, including visualization of a relationship between one or more transactions and a set of transaction rules.

PATENT: System for sharing retirement scores between social groups of customers; US 10,249,003 B2; 4/2/2019; CPC G06Q 40/06; 20 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to create a social network group, receive a request for the user to join the social network group, receive financial information of the user. Based on the financial information of the user, determine the projected retirement score of the user.

PATENT: Systems and methods for mobile device-based item acquisition and tracking; US 10,242,340 B2; 3/26/2019; CPC G06Q 10/087; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: Systems, methods, and computer-readable media are provided for enabling mobile device-based item acquisition and tracking. One exemplary method performed on a mobile device comprises entering a wireless scan mode, detecting a signal from a tag associated with an item in a first area and in proximity to the tag, presenting information associated with the tag, and adding the information to a list. The method further comprises detecting a second tag in a second area, and sending the list to a second device.

PATENT: Vehicle interface; US 10,242,342 B1; 3/26/2019; CPC G06Q 10/10; 20 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT EXCERPT: One or more embodiments of techniques or systems for intelligent data presentation are provided herein. Data can be presented on similar devices having different characteristics in different manners. For example, data may be rendered in a first manner on a first device having one monitor, the same data may be rendered in a second manner on a second device having two displays or a different display size. Financial information, sales data, banking information, etc. may be presented in a variety of ways based on capabilities or properties of a device accessing the information or data.

PATENT: Selectively providing cash-based e-commerce transactions; US 10,242,354 B2; 3/26/2019; CPC G06Q 20/227; 20 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: Systems and methods are provided for facilitating alternative payment submissions. According to a one aspect, a selection by a purchaser of one or more items is received, one or more characteristics associated with the purchaser are processed to determine a reliability of the purchaser, and an option to provide payment for the one or more items by way of a first payment method in lieu of a second payment method is selectively provided to the purchaser based on the determined reliability.

PATENT: Remote decoupled application persistent state apparatuses, methods and systems; US 10,242,358 B2; 3/26/2019; CPC G06Q 20/363; 1 claim; assigned to Visa International Service Association.

FIELD: The present innovations are directed generally to digital wallets and account management, and more particularly.

PATENT: Transaction control; US 10,242,361 B2; 3/26/2019; CPC G06Q 20/4014; 7 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: A method of choosing and authorizing a transaction with a payment device used by a purchaser under the authority of an owner is described. An analytics engine receives an identifier for a good or service from the purchaser and uses the identifier to identify providers of the good or service and providing a set of provider recommendations for the good or service to the owner.

PATENT: Systems and methods for issuance of provisional financial accounts to mobile devices; US 10,242,362 B2; 3/26/2019; CPC G06Q 20/40145; 18 claims; assigned to Bank of the Ozarks.

SUMMARY: The present invention relates generally to the field of electronic payment transactions, and more particularly, to systems and methods for securely creating provisional financial accounts that enable electronic payment transactions while minimizing the risk of compromising sensitive data.

PATENT: Systems and methods for performing payment card transactions using a wearable computing device; US 10,242,363 B2; 3/26/2019; CPC G06Q 20/40145; 19 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: A computer-based method for authenticating a suspect consumer as an authorized cardholder during a payment card transaction is provided. The method includes registering the authorized cardholder within a portable computer device by receiving a reference sample of the authorized cardholder. The portable computer device includes a processor, a memory, and a camera. The method also includes storing, in the memory, the reference sample of the authorized cardholder and associated payment card information.

PATENT: Dynamic modification of a verification method associated with a transaction card; US 10,242,367 B1; 3/26/2019; CPC G06Q 20/405; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: A device may determine that a verification method associated with a transaction card is to be modified from a first verification method to a second verification method. The first verification method and the second verification method may use different types of verification information. The device may provide a set of instructions to the transaction card after determining that the verification method is to be modified. The set of instructions may cause the transaction card to modify the verification method from the first verification method to the second verification method.

PATENT: System and method for providing software-based contactless payment; US 10,242,368 B1; 3/26/2019; CPC G06Q 20/425; 17 claims; assigned to Capital One Services, LLC.

ABSTRACT: Systems and methods provide software-based contactless payments. According to various embodiments, a system for software-based contactless payment includes a token manager that generates a token and provides the token to a mobile device of a customer for use with a transaction, a communication interface that receives the token in association with a transaction, and a processor that processes the token using to determine whether to authorize the transaction.

PATENT: Systems and methods for analyzing businesses based on gratuities; US 10,242,377 B2; 3/26/2019; CPC G06Q 30/0214; 11 claims; assigned to MasterCard International Incorporated.

SUMMARY: The present application relates generally to a technology that may be used to assist in predicting merchant volatility, and more particularly, to network-based systems and methods for analyzing and comparing businesses based on gratuity information acquired from those businesses. A gratuity, also referred to as a tip, is an amount of money tendered by a customer to a person associated with a merchant (e.g., an employee) as a way of thanking the person for a service performed.

PATENT: System and method for redeeming a reward; US 10,242,382 B1; 3/26/2019; CPC G06Q 30/0251; 14 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: Systems and methods for redeeming a reward held by an individual are described. A method for redeeming a reward includes determining threshold criteria for provision of a targeted reward redemption offer, identifying at least one individual based upon the threshold criteria, determining the targeted reward redemption offer, and providing the targeted reward redemption offer to the identified individual.

PATENT: Digital data processing system for controlling automated exchange zone systems; US 10,242,390 B2; 3/26/2019; CPC G06Q 30/0278; 19 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: Aspects of the disclosure relate to controlling automated exchange zone systems using a digital data processing system. A computing platform may receive a notification indicating that an item has been received by an automated exchange zone system and may generate and send one or more item scan commands directing the automated exchange zone system to capture one or more scans of the item. Subsequently, the computing platform may receive item scan data captured by the automated exchange zone system and may evaluate the item scan data based on one or more templates.

PATENT: Collection system and method; US 10,242,402 B1; 3/26/2019; CPC G06Q 40/025; 33claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: A computer-implemented method for initiating online collections that includes determining a current status of an account held by an account holder, determining a real-time financial profile of the account holder using information on the banking institution computer systems and third party information providers and displaying a customized status message based on the account holder's financial profile. The method provides remediation options to the account holder.

PATENT: Systems and methods for computing an index for a binary options transaction; US 10,242,403 B2; 3/26/2019; CPC G06Q 40/04; 24 claims; assigned to Cantor Futures Exchange, L.P.

ABSTRACT: Methods, apparatuses, and article of manufactures for receiving a plurality of bids and offers for a binary options instrument. Each bid and offer comprises a quantity and a price. A subset of bids and offers from the plurality of received bids and offers is generated. At least one rule is applied to the subset of bids and offers to generate a reduced subset of bids and offers. A binary options index is computed from the reduced subset of bids and offer. A request for a binary options transaction that is based on the computed binary options index is received.

PATENT: Trade engine processing of mass quote messages and resulting production of market data; US 10,242,405 B2; 3/26/2019; CPC G06Q 40/04; 10 claims; assigned to Chicago Mercantile Exchange, Inc.

ABSTRACT: Systems and methods are provided for processing mass quote messages and generating market data. A mass quote message is received and individual orders are parsed and processed. Individual market data messages are stored in a market data message buffer. After all orders are processed, the contents of the market data message buffer is distributed as a single market data message.

PATENT: Financial instrument analysis and forecast; US 10,242,407 B1; 3/26/2019; CPC G06Q 40/06; 18 claims; assigned to Innovative Market Analysis, LLC.

ABSTRACT: The disclosure includes technology for analyzing financial instrument data and generating a forecast. An example method receives financial instrument data for a financial instrument; determines a financial dimension; parses the financial instrument data for occurrences of the financial dimension; computes historical price statistics for a set of time intervals relative to occurrences of the financial dimension; and generates pricing forecast relative to a point in time based on the historical price statistics.

PATENT: System and method for a mobile wallet; US 10,235,668 B1; 3/19/2019; CPC G06Q 20/363; 28 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT EXCERPT: A computer-implemented method for receipt management includes receiving, using a mobile wallet stored on a mobile device of a user, receipts that include a record of transactions between the user and one or more merchants, the transactions being performed using the mobile wallet account of the user.

PATENT: Real-time mobile wallet server; US 10,235,669 B2; 3/19/2019; CPC G06Q 20/363; 21 claims; assigned to Amazon Technologies, Inc.

ABSTRACT: Techniques and apparatuses for providing wallet server information to an entity using a real-time mobile wallet server (MWS) are disclosed herein. The MWS may receive a request for personal information from an entity. The MWS may then display to a user a summary of the request, a list of selections available in the wallet server that may satisfy the request, and a list of selectable response options for the user to choose to respond to the entity. In some aspects, the wallet server may store username and associated passwords, payment information, and/or contact information. In further aspects, the MWS may generate limited-use payment information associated with existing payment information. The MWS may communicate ad hoc messaging to the entity using voice-based or real-time text-based communications over an established communication link between the MWS and entity.

PATENT: Device provisioning using partial personalization scripts; US 10,235,670 B2; 3/19/2019; CPC G06Q 20/363; 17 claims; assigned to Visa International Service Association.

SUMMARY: One embodiment discloses a method comprising receiving a request for provisioning comprising device information for a mobile device and user authentication information for a user, generating a partial personalization script, an activation script, and a deletion script using the device information, sending the partial personalization script, the activation script, and the deletion script to an application provider computer, wherein the application provider computer initiates execution of the partial personalization script on the mobile device, authenticating the user authentication information, and sending an activation message to the application provider computer, wherein the application provider computer initiates execution of the activation script.

PATENT: System and method for tokenization; US 10,235,671 B2; 3/19/2019; CPC G06Q 20/40; 16 claims; assigned to Cardinal Commerce Corporation.

SUMMARY: In the field of data security, tokenization generally refers to a process whereby a real data element is replaced with a surrogate or substitute that is commonly referred to as a token. Generally, it is desirable to keep the value of the real data element secret or otherwise provide only limited access thereto to particular selected entities. Conventionally, the value of the token by itself may have no specific or readily discernable meaning. Rather, the token is merely a reference or identifier that correlates, via a tokenization system, to the real data. Conventionally, one cannot readily determine or otherwise obtain the value of the real data element from the token absent access to the tokenization system.

PATENT: Systems and methods for accessing computational resources in an open environment; US 10,235,676 B2; 3/19/2019; CPC G06Q 30/018; 19 claims; assigned to The Toronto-Dominion Bank.

ABSTRACT EXCERPT: The disclosed embodiments include methods and systems for accessing computation resources, such as information-technology (IT) assets, in an open environment. In certain aspects, an IT system may provide an online portal that presents an IT self-serve store of IT assets that a user may select for access or use. The IT system may, for example, determine that the selected IT assets comply with one or more compliance and permissioning policies, and based on the determination, may assemble the selected IT assets to generate or "spin-up" instances of applications executable by various hardware platforms.

PATENT: Systems and methods for providing social discovery relationships; US 10,235,682 B2; 3/19/2019; CPC G06Q 30/0201; 21 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: The disclosed embodiments include methods and systems for providing social discovery service operations. In one embodiment, a system for providing a social discovery service is disclosed. The system may be configured to receive transaction data relating to one or more purchase transactions involving one or more merchants and one or more consumers. The system may also be configured to receive product data identifying one or more products included in the one or more purchase transactions. The system may also receive location data associated with the one or more purchase transactions. Based on the transaction data, location data, and the product data, the system may be configured to generate one or more social discovery graphs.

PATENT: Visualization of changes through the use of graphical geometric shapes; US 10,235,715 B2; 3/19/2019; CPC G06Q 40/04; 18 claims; assigned to CFPH, LLC.

ABSTRACT: Methods and systems are disclosed for determining changes or revisions to a set of data and providing a user with a computerized graphical depiction of these changes through the use of multiple geometric shapes, the positioning of which shapes relative to one another and the size of which shapes relative to one another depict the changes to the user.

PATENT: Method and system for determining merchant gratuity values; US 10,235,725 B2; 3/19/2019; CPC G06Q 50/12; 20 claims; assigned to MasterCard International Incorporated.

SUMMARY: The present disclosure relates to the determination of merchant gratuity values, specifically the determination of an index of service performance for a merchant based on an average gratuity index and variance gratuity index calculated using tip values determined from electronic transaction messages involving the merchant.

PATENT: Method and system for reconciling transportation records; US 10,229,380 B2; 3/12/2019; CPC G06Q 10/0833; 21 claims; assigned to JPMorgan Chase Bank, N.A.

ABSTRACT EXCERPT: Aspects of the present invention are directed to a system for next day reconciliation of transportation records. The system having a transportation record storage provider (TRSP) that receives and stores storage medium transportation requests; an outside service provider (OSP) inventory manager that receives and maintains records of transported storage mediums scanned at the OSP; and a reconciliation provider that receives a first list from the TRSP and a second list from the OSP inventory manger, for reconciliation.

PATENT: Predictive determination and resolution of a value of indicia located in a negotiable instrument electronic image; US 10,229,395 B2; 3/12/2019; CPC G06Q 20/042; 20 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: Embodiments of the invention include systems, methods, and computer-program products for predictive determination and resolution of an exception located on a negotiable instrument. The exception may be an indicia that includes data related to the payor, payment accounts, or payee. An indicia may not be identified successfully and thus be queued for exception processing. The exceptions may include one or more irregularities such as bad micro line reads, outdated check stock, or misrepresentative indicia points on a negotiable instrument that may result in a failure to match the check to an account for processing. Upon identifying an exception, the system retrieves historical transaction data associated with the resolved indicia.

PATENT: Bitcoin exchange; US 10,229,396 B2; 3/12/2019; CPC G06Q 20/065; 13 claims; assigned to Coinbase, Inc.

ABSTRACT: A system and method for transaction Bitcoin is described. Bitcoin can be sent to an email address. No miner's fee is paid by a host computer system. Hot wallet functionality is provided that transfers values of some Bitcoin addresses to a vault for purposes of security. A private key of a Bitcoin address of the vault is split and distributed to keep the vault secure. Instant exchange allows for merchants and customers to lock in a local currency price. A vault has multiple email addresses to authorize a transfer of Bitcoin out of the vault. User can opt to have private keys stored in locations that are under their control. A tip button rewards content creators for their efforts. A Bitcoin exchange allows for users to set prices that they are willing to sell or buy Bitcoin and execute such trades.

PATENT: Near field communication terminal capable of loading card with money and method of operating the same; US 10,229,397 B2; 3/12/2019; CPC G06Q 20/10; 8 claims; assigned to KT Corporation.

ABSTRACT: Disclosed herein are an NFC terminal and a method of operating an NFC terminal. The NFC terminal includes an NFC unit and a payment unit. The NFC unit communicates with an external payment processing server. The payment unit pays for loaded money data while communicating with the payment processing server.

PATENT: Using card present transaction data to generate payment transaction account; US 10,229,412 B1; 3/12/2019; CPC G06Q 20/405; 17 claims; assigned to Square, Inc.

ABSTRACT: A computer-implemented method for providing payment account information in a user account by receiving payment card information by a card reader at a point of sale. An account can be created when the payment card information is read by the card reader. Optionally, a gift card can be scanned prior to the creation of the account, and the gift card information can be combined with the payment card information. The gift card can be an electronic gift card which can be personalized with textual, visual, video, and/or audio portions.

PATENT: On-boarding framework; US 10,229,417 B2; 3/12/2019; CPC G06Q 30/018; 6 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: The on-boarding framework consolidates and ensures consistent implementation of business compliance with regulatory policy across a global business that is required to comply with regulations of international, regional, country specific, local jurisdictions, or the like.

PATENT: On-boarding framework; US 10,229,418 B2; 3/12/2019; CPC G06Q 30/018; 12 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: The on-boarding framework consolidates and ensures consistent implementation of business compliance with regulatory policy across a global business that is required to comply with regulations of international, regional, country specific, local jurisdictions, or the like.

PATENT: Customer emotional state analysis for optimized financial transaction; US 10,229,442 B1; 3/12/2019; CPC G06Q 30/0611; 16 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods for optimized communications based on a customer emotional state. In aspects of the system and method, a customer social media account is analyzed for past social media posts. Customer emotional states are determined for the past social media posts. The past social media posts are also associated with financial transactions made by the customer such that emotional states are linked to specific financial transactions. The system and method monitor the customer social media account for new social media posts. A new social media post can be detected. An emotional state can be determined for the new social media post. The system and method collect the financial transactions with the same emotional state. The system and method generate an offer for similar products and/or related to the financial transactions. The offer is communicated to the customer.

Frip: Really !? Wells Fargo are you nuts?!

PATENT: System and method managing trading using alert messages for outlying trading orders; US 10,229,456 B2; 3/12/2019; CPC G06Q 40/04; 20 claims; assigned to BGC Partners, Inc.

ABSTRACT EXCERPT: According to one embodiment, a method of managing trading is provided. In a market for a particular type of instrument, electronic data including buy orders and sell orders are received from a plurality of traders. Each buy order has an associated bid price and each sell order has an associated offer price. A determination is made of whether the particular trading order is an outlying trading order by electronically determining whether the particular trading order differs from at least one comparison price by more than a threshold value. If it is determined that the particular trading is an outlying trading order, a restrictive action is taken regarding one or more trading orders.

PATENT: Systems and methods for implementing trading and global matching based on request and offer of liquidity; US 10,229,457 B2; 3/12/2019; CPC G06Q 40/04; 12 claims; assigned to GFI Group Inc.

SUMMARY: The present disclosure relates to protocols for trading financial instruments. More particularly, the present disclosure relates to using trading protocols for stimulating human trading activity and preferably enticing traders to trade. A trade of liquidity may be understood to occur between two parties who have committed to a trade in a preferably pre-defined size and via the provision of a bid-offer spread in a preferably pre-determined width. The liquidity seller (also referred to herein, in the alternative, as the market maker) preferably commits to provide the market and the liquidity buyer (also referred to herein, in the alternative, as the market taker) preferably commits to execute a trade at the market maker's term.

PATENT: Systems and methods for correlating large datasets of electronic data messages; US 10,229,458 B2; 3/12/2019; CPC G06Q 40/04; 20 claims; assigned to Nasdaq Technology AB.

ABSTRACT: A computer system is provided that stores reference data records and event data records that each correspond to one of the reference data records. Tokens are generated from the reference data records and sorted into subsets. Each reference data record that has a given token is included in the corresponding subset. A correlation value is calculated between members (e.g., the reference data records) of the subsets. The correlation values are calculated by determining a common time, calculating a reference value, calculating a percentage difference from the reference value, and then determining a correlation value (e.g., a correlation coefficient) using the percentage difference.

PATENT: System and method for intraday liquidity analytics; US 10,229,463 B2; 3/12/2019; CPC G06Q 40/12; 20 claims; assigned to The Bank of New York Mellon.

ABSTRACT EXCERPT: A system for analyzing liquidity data for a client of a financial services provider includes processor(s), at the financial services provider, configured to execute computer program module(s). The modules are configured to receive a request from the client to generate a liquidity analysis based on client account(s), and, upon receiving the request, execute on the processors of the system, module(s) configured to aggregate liquidity data from a plurality of financial subsystems of the financial services provider as aggregated liquidity data. The aggregated data includes cash flows in transactions associated with the client accounts in one or more of the financial subsystems.

PATENT: Systems and methods for an attribute generator tool workflow; US 10,223,652 B2; 3/5/2019; CPC G06Q 10/06; 27 claims; assigned to Capital One Financial Corporation.

ABSTRACT EXCERPT: The disclosed embodiments generally relate to systems and methods for computerized decisioning, and more particularly, to systems and methods for standardized coding and deployment of attributes for financial decisioning systems coded once and deployed to multiple decisioning systems and environments.

PATENT: Banking systems controlled by data bearing records; US 10,223,679 B2; 3/5/2019; CPC G06Q 20/109; 20 claims; assigned to Bank of America Corporation.

SUMMARY: Aspects of the disclosure relate to banking systems controlled by data bearing records. In particular, one or more aspects of the disclosure relate to deploying, configuring, and utilizing cash handling devices to provide dynamic and adaptable operating functions. (BLOCKCHAIN technology used.)

PATENT: Transaction decisioning by an automated device; US 10,223,680 B2; 3/5/2019; CPC G06Q 20/1085; 18 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: Methods, systems, and computer-readable media for determining whether a check may be cashed at an automated teller machine (ATM) are provided. The ATM may capture check image data from the face of the check and the ATM may transmit the data to a check cashing computing platform. The check cashing computing platform may determine whether the account on which the check is drawn is an account of a first financial institution associated with the ATM, or the account is an account of a second financial institution.

PATENT: Universal electronic payment apparatuses, methods and systems; US 10,223,691 B2; 3/5/2019; CPC G06Q 20/36; 21 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: The universal electronic payment apparatus, methods and systems (UEP) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices.

PATENT: Mobile payment application provisioning and personalization on a mobile device; US 10,223,694 B2; 3/5/2019; CPC G06Q 20/3829; 17 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: Embodiments of the present invention are directed to systems and methods for providing a central entity that can provision mobile payment applications on mobile communication devices and personalize the mobile payment applications with consumer and account information. The personalization of the mobile payment application on the mobile communication device may include provisioning a payment account on the mobile payment application. The central entity may provision the account on the mobile payment application without interacting with the issuer during the provisioning of the account.

PATENT: System and method of notifying user near point of sale location of available rewards at the point of sale location; US 10,223,704 B2; 3/5/2019; CPC G06Q 30/02; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT: Systems and methods for a point of sale reward system are provided. The system notifies users proximate to a point of sale location of rewards available for redemption specific to that user at that specific point of sale location.

PATENT: Systems and methods to communicate offer options via messaging in real time with processing of payment transaction; US 10,223,707 B2; 3/5/2019; CPC G06Q 30/0207; 21 claims; assigned to Visa International Service Association.

ABSTRACT: In one aspect, a computing apparatus is configured to facilitate the redemption of loyalty currency in a payment transaction via facilitating awareness of the payment transaction, managing the consumer segmentation and offering promotions, validating available points currency, managing a currency value exchange rate, applying deductions to consumer currency balance, facilitating consumer reimbursement, invoicing for currency exchange, and/or providing consumer engagement.

PATENT: Wearable intelligent vision device apparatuses, methods and systems; US 10,223,710 B2; 3/5/2019; CPC G06Q 30/0261; 29 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: The wearable intelligent vision device apparatuses, methods and systems (WIVD) transform mobile device location coordinate information transmissions, real-time reality visual capturing, mixed gesture capturing, bio-sensor data via WIVD components into real-time behavior-sensitive product purchase related information, shopping purchase transaction notifications, and electronic receipts.

PATENT: Managing transaction state data; US 10,223,723 B1; 3/5/2019; CPC G06Q 30/0619; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: A device may receive user data associated with a product or service, the user data including a user identifier associated with a user. The device may identify a business application that is relevant to the product or service, the business application being designed to provide the user with a business offer related to the product or service. In addition, the device may provide the user data to the business application and receive, from the business application, business application state data and user response data, the business application state data specifying a partially completed transaction associated with the product or service, and the user response data including information associated with the partially completed transaction.

PATENT: E-wallet store injection search apparatuses, methods and systems; US 10,223,730 B2; 3/5/2019; CPC G06Q 30/0633; 19 claims; assigned to Visa International Service Association.

ABSTRACT: The E-wallet store injection search apparatuses, methods and systems (SIS) transform aggregated automated shopping lists and user location data using SIS components into automated shopping item availability messages and merchant location navigation responses. In some implementations, the disclosure provides a processor-implemented method of providing an automated store injection search service.

PATENT: Providing consolidated order management; US 10,223,733 B2; 3/5/2019; CPC G06Q 30/0635; 20 claims; assigned to Bank of America Corporation.

SUMMARY: Aspects of the disclosure relate to computer systems that provide effective, efficient, scalable, and convenient ways of uniformly managing how different products and/or services are provided to different customers across different channels of an organization, such as a financial institution.

PATENT: Controlling traders from manipulating electronic trading markets; US 10,223,747 B2; 3/5/2019; CPC G06Q 40/04; 27 claims; assigned to BGC Partners, Inc.

ABSTRACT: Systems and methods are provided to control gaming in electronic trading markets. These systems and methods alleviate the problem of a seller or buyer trying to act on a trader's original bid or offer only to trade at an unfavorable level after the trader changes the bid or offer. A pricing method suspends trading for a period of time if a price difference between two bids or offers by the same trader is too great. A timing method prevents a trader from canceling or replacing a bid or offer for a period of time. These methods provide a more fair and efficient way of executing electronic trades.

PATENT: Systems and user interfaces for holistic, data-driven investigation of bad actor behavior based on clustering and scoring of related data; US 10,223,748 B2; 3/5/2019; CPC G06Q 40/04; 20 claims; assigned to Palantir Technologies Inc.

ABSTRACT EXCERPT: Embodiments of the present disclosure relate to a data analysis system that may automatically generate memory-efficient clustered data structures, automatically analyze those clustered data structures, automatically tag and group those clustered data structures, and provide results of the automated analysis and grouping in an optimized way to an analyst.

PATENT: Personal financial planning and engagement with peer-based comparison; US 10,223,754 B1; 3/5/2019; CPC G06Q 40/12; 34 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT EXCERPT: A computer-implemented method for setting and tracking financial goals includes retrieving account information associated with a financial account of a user. The method also includes providing to the user via a user interface, prospective financial goals. The method further includes receiving from the user via the user interface, a selection of one of the financial goals. Further yet, the method includes monitoring the user's account information to track the user's progress towards the selected financial goal.

PATENT: Multicomputer processing of client device request data using centralized event orchestrator; US 10,217,087 B2; 2/26/2019; CPC G06Q 10/109; 20 claims; assigned to Bank of America Corporation.

SUMMARY: Aspects of the disclosure relate to electrical computers, digital processing systems, and multicomputer data transferring. In particular, one or more aspects of the disclosure relate to multicomputer processing of client device request data using a centralized event orchestrator.

PATENT: Pre-provisioning electronic banking files; US 10,217,091 B2; 2/26/2019; CPC G06Q 20/023; 5 claims; assigned to Bank of America Corporation.

ABSTRACT: Apparatus and methods for pre-provisioning a generic connection to the bank to allow clients to transmit electronic test files. The test files may include one or more transaction requests submitted for processing by the client. Methods may evaluate infrastructure for processing the requested transactions. Methods may include determining a feasibility of the establishing the infrastructure. A phantom acknowledgement may be transmitted to the client before establishing the infrastructure to process the requested transactions.

PATENT: System and method of social cash withdrawal; US 10,217,093 B2; 2/26/2019; CPC G06Q 20/10; 20 claims; assigned to Capital One Services, LLC.

SUMMARY: The disclosure relates to systems and methods for connecting to a withdrawal system to locate a cash provider using location-based technologies and perform a funds transfer in order to receive a cash withdrawal.

PATENT: Issuing an account to an electronic transaction device; US 10,217,102 B2; 2/26/2019; CPC G06Q 20/3227; 1 claim; assigned to MasterCard Mobile Transactions Solutions, Inc.

ABSTRACT: Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.

PATENT: Transaction card mode related to locating a transaction card; US 10,217,105 B1; 2/26/2019; CPC G06Q 20/341; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT: A transaction card may determine to initiate a mode associated with the transaction card. The mode may be related to locating the transaction card. The mode may be associated with outputting a first signal. The transaction card may determine a manner in which to configure the mode based on a set of parameters. The set of parameters may include a power level of the transaction card, or a strength of a second signal associated with a connection between the transaction card and a device associated with the transaction card. The transaction card may initiate the mode after configuring the mode. The transaction card may determine to terminate the mode based on an indication that the transaction card has been located.

PATENT: Systems and methods for assisted transactions using an information wallet; US 10,217,108 B1; 2/26/2019; CPC G06Q 20/363; 11 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT EXCERPT: A system includes an information wallet account associated with a user of the system, and a server having a memory and a processor. The processor is configured to receive a request for information, wherein the requested information is associated with the user, and retrieve a stored portion of the requested information from the information wallet account. If a portion of the requested information is not found within the information wallet account, the processor is configured to send a request for a remaining portion of the requested information to a user computing device of the user.

PATENT: Apparatus and method for combining cryptograms for card payments; US 10,217,109 B2; 2/26/2019; CPC G06Q 20/40; 27 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: At least a first cryptogram and a second cryptogram are transmitted from a payment device reader component to a terminal component. A message including at least the first cryptogram and the second cryptogram is transmitted from the terminal component to an issuer of a payment device presented to the reader component, through a payment network. A message is obtained from the issuer, corresponding to authentication, by the issuer, of the payment device (and optionally the owner of the payment device) presented to the reader component, based at least on the first cryptogram and the second cryptogram.

PATENT: Apparatus, methods, and articles of manufacture for business analysis; US 10,217,115 B2; 2/26/2019; CPC G06Q 30/02; 26 claims; assigned to Goldman Sachs & Co.

ABSTRACT: The present invention comprises methods, apparatus and articles of manufacture for providing, analyzing and visualizing corporate and corporate relationship information, and for creating financial products and instruments based on corporate and corporate relationship information. Information types such as entities, relationships, selection, groupings, arrangements, view types are provided to enable the user to interactively review, modify and create information.

PATENT: Derivatives trading methods that use a variable order price; US 10,217,165 B2; 2/26/2019; CPC G06Q 40/04; 20 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT: Methods and systems for an exchange to handle variable derivative product order prices are disclosed. The price of a derivative product order (bid or offer) is updated based on changes in the price of a related underlying product. Price determination variable(s), such as delta and gamma, are used to determine the price of the order. The exchange may periodically recalculate the price without requiring the trader to transmit additional information to the exchange.

PATENT: Systems and methods for trading with market depth information; US 10,217,166 B2; 2/26/2019; CPC G06Q 40/06; 22 claims; assigned to Fidessa PLC.

ABSTRACT: Techniques for displaying market depth information for a financial instrument including a plurality of bid and ask order metrics at corresponding prices. A graphical representation of the market depth information, with axes corresponding to order metrics and price, is aligned with an expected profile, including an expected metric corresponding to one or more metrics including, for example, bid and ask order volume, order count, or order consideration, generated based on the market depth information. The graphical representation of the market depth information and the expected profile are displayed using a display device.

PATENT: Seasonal portfolio construction platform apparatuses, methods and systems; US 10,217,167 B2; 2/26/2019; CPC G06Q 40/06; 30 claims; assigned to FMR LLC.

ABSTRACT: The seasonal portfolio construction platform apparatuses, methods and systems (SPC) transform user data request via SPC components into seasonal portfolio investment transaction records. In one implementation, the SPC may provide an investment analytics and management tool facilitating a user (e.g., investors, consumers, portfolio managers, traders, etc.) to research, build and maintain an investment strategy for a customized portfolio based on a current economic cycle phase.

PATENT: System for identifying resource issues and managing a network of resources; US 10,210,485 B2; 2/19/2019; CPC G06Q 10/20; 20 claims; assigned to Bank of America Corporation.

ABSTRACT: Systems, computer program products, and methods are described herein for resource manager entity device security and maintenance. The present invention is configured to identify an issue with a resource and notify all other resources across the entity and customers of the entity that the resource is experiencing an issue; determine that an account is involved in a counterfeit activity and notify all other resources across the entity to deny further activity associated with the account; determine that the first resource is experiencing an issue and send fixes to the first resource and all other resources located within a predetermined distance from the first resource.

PATENT: Processing electronic monetary transactions using plurality of virtual currency instruments; US 10,210,490 B2; 2/19/2019; CPC G06Q 20/0655; 19 claims; assigned to Sony Corporation.

ABSTRACT EXCERPT: Various aspects of a method and system for processing a monetary transaction are disclosed herein. The method includes registration, at a server, of a first virtual currency instrument that corresponds to a first account and one or more other virtual currency instruments that corresponds to one or more other accounts. The registered first virtual currency instrument is associated with a first value. The method further includes reception, at the server, of a redemption request of the registered first virtual currency instrument to process the monetary transaction.

PATENT: PATENT: Routing an image within a network; US 10,210,493 B2; 2/19/2019; CPC G06Q 20/108; 17 claims; assigned to Bank of America Corporation.

SUMMARY: In certain embodiments, a system for routing an image file in a network comprises primary network resources, secondary network resources, and an image routing processor. The primary network resources are configured to receive an image file. The image file depicts a financial instrument and is received from a user device. The primary network resources are further configured to facilitate retrieval of the image file by the user device.

PATENT: Payments via a smart appliance; US 10,210,498 B1; 2/19/2019; CPC G06Q 20/30; 34 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: A method performed by a smart appliance includes linking the smart appliance to a financial account of a user. The method also includes monitoring an operation parameter of the smart appliance, and detecting an operational issue of the smart appliance based on the operation parameter. In addition, the method includes communicating the operational issue to a smart appliance payment system. The method further includes detecting, based on the operation parameter, resolution of the operational issue upon completion of a service event on the smart appliance. Still further, the method includes transferring payment for the service event from the financial account of the user upon detecting the resolution of the operational issue.

PATENT: Global cache tool systems and methods for adding new payees; US 10,210,499 B1; 2/19/2019; CPC G06Q 20/3223; 20 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: Systems and methods for preparing payment requests via cached payee information databases are described. The cached payee database system allows customers of a financial institution to search locally stored payee databases on their mobile devices for payee information. The cache version of the payee database is periodically updated with new and corrected payee information. The cached database system can perform payee searches on a character-by-character basis in real time with minimal delays between searches.

PATENT: Ultrasonic triangulation for payments method and apparatus; US 10,210,500 B2; 2/19/2019; CPC G06Q 20/3224; 20 claims; assigned to Mastercard International Incorporated.

ABSTRACT: A system, method, and computer-readable storage medium to determine a table location of a payment cardholder within a restaurant, to enable automatic bill receipt for the table.

PATENT: Systems and methods for gift card linking; US 10,210,504 B1; 2/19/2019; CPC G06Q 20/34; 11 claims; assigned to JPMorgan Chase Bank, N.A.

ABSTRACT: Systems and methods for gift card linking are disclosed. According to one embodiment, a method for processing a payment using a linked stored value instrument may include (1) receiving, from a merchant, a payment request for a transaction, the payment request comprising an identification of a transaction amount and a transaction account; (2) at least one computer processor retrieving a stored value instrument for the merchant that is associated with the transaction account; and (3) the at least one computer processor causing the stored value instrument to be debited for a first portion of the transaction amount.

PATENT: Dynamic transaction card optimization; US 10,210,505 B2; 2/19/2019; CPC G06Q 20/341; 29 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: The present disclosure relates to devices and methods relating to an optimized electronic transaction card where various data inputs associated with a dynamic transaction card optimize operational configurations and/or a user experience of the dynamic transaction card to extend an energy storage life of the dynamic transaction card, promote various behaviors, and/or detect system and/or device defects.

PATENT: Bank issued contactless payment card used in transit fare collection; US 10,210,508 B2; 2/19/2019; CPC G06Q 20/352; 22 claims; assigned to Visa U.S.A. Inc.

ABSTRACT EXCERPT: An apparatus such as a mobile phone includes a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system.

PATENT: Method and system for hybrid transportation-enabled payment card; US 10,210,509 B2; 2/19/2019; CPC G06Q 20/3572; 18 claims; assigned to MasterCard International Incorporated.

SUMMARY: The present disclosure relates to the processing of transactions using a hybrid payment card, specifically the use of a hybrid payment card on one of a plurality of payment networks where the card can be used for both prepaid and post-payment transactions.

PATENT: Transaction count synchronization in payment system; US 10,210,512 B2; 2/19/2019; CPC G06Q 20/385; 10 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A payment system transaction authorization server computer, or another computer, performs calculations to determine a transaction count value stored in a payment device for which a transaction authorization request was sent to the authorization server computer. The computer in question "guesses" appropriate transaction count values, and then attempts to duplicate an encryption calculation result that was originally generated by the payment device and that was included in the transaction authorization request.

PATENT: Demand deposit account payment system; US 10,210,514 B2; 2/19/2019; CPC G06Q 20/385; 10 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: A method and system for processing DDA payment transactions including generating a private virtual identifier, associating the private virtual identifier with a DDA, and generating a public virtual identifier associated with the private virtual identifier. The method can also include distributing the public virtual identifier to consumers, receiving a DDA payment request from a billing entity including the public virtual identifier, retrieving the private virtual identifier in response to receipt of the public virtual identifier, and processing the DDA payment request using the private virtual identifier to facilitate payment to the billing entity on behalf of the consumer.

PATENT: Systems and methods for use in verifying recurring transactions to payment accounts; US 10,210,515 B2; 2/19/2019; CPC G06Q 20/401; 11 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: Systems and methods are provided for verifying recurring transactions to payment accounts. One exemplary method includes initially receiving an authorization request for a transaction to a payment account and involving a merchant, where the authorization request includes a recurring payment indicator.

PATENT: Alert prioritization logic; US 10,210,517 B2; 2/19/2019; CPC G06Q 20/401; 20 claims; assigned to Visa International Service Association.

SUMMARY: Embodiments of the present invention disclosed herein include systems and methods for prioritizing alert triggers and performing additional processing based on the priority of the alert triggers. Embodiments of the present invention disclosed herein also include systems and methods for dynamically selecting a delivery channel and generating an alert message based on the selected delivery channel. Embodiments of the present invention can be implemented using one or more computer apparatuses and databases.

PATENT: Co-processing electronic signals for redundancy; US 10,210,520 B2; 2/19/2019; CPC G06Q 20/4016; 20 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A co-processing fraud risk scoring system for scoring electronic payment transactions for potential fraud is described. Additionally, a method and a computer-readable storage medium for scoring electronic payment transactions for potential fraud are described.

PATENT: Multi-device transaction verification; US 10,210,521 B2; 2/19/2019; CPC G06Q 20/4016; 14 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: When a user enters a resource provider location with a portable communication device, the portable communication device provides an indication to a transaction processing system that the portable communication device is currently at the resource provider location. At a later time when the user conducts a transaction with a portable transaction device, the fact that the user's portable communication device had been detected at the resource provider a short time ago is taken into account as a positive indicator that the transaction is not fraudulent.

PATENT: Systems and methods for facilitating a transaction relating to newly identified items using augmented reality; US 10,210,565 B2; 2/19/2019; CPC G06Q 30/0643; 22 claims; assigned to Capital One Services, LLC.

ABSTRACT: The present disclosure relates to systems and methods for facilitating a transaction using augmented reality, and more particularly facilitating a transaction relating to one or more newly identified items using an interactive augmented environment.

Frip: Really! Augmented Reality Shopping?!

PATENT: System and method for automatic repositioning of market information in a graphical user interface; US 7,685,055 C1; 2/19/2019; CPC G06Q 40/04; 19 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: A method for automatically positioning information related to a commodity on a graphical user interface. Market information is displayed on the graphical user interface. The market information may be presented as a number of indicators, corresponding to particular items of interest, that are associated with a static scale. The scale may, for example, represent price. Upon detecting a predetermined condition, the location of the market information is automatically repositioned.

PATENT: System and method for displaying and/or analyzing a limit order book; US 10,210,571 B2; 2/19/2019; CPC G06Q 40/04; 20 claims; assigned to CFPH, LLC.

ABSTRACT: Various systems and methods for determining information about limit orders is provided. Data regarding a plurality of limit orders entered onto an electronic market is received and stored. For each of a subset of the plurality of limit orders, a market distance is determined. The market distance comprises the difference between the price of the respective limit order and a market price. A weighting of the respective limit order is determined based at least on the determined market distance for the respective limit order. One or more market indicators is determined based at least in part on the weighting of each of the at least two limit orders. The one or more market indicators are caused to be displayed in a graphical user interface.

PATENT: Click based trading with intuitive grid display of market depth; US 10,210,572 B2; 2/19/2019; CPC G06Q 40/04; 56 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: A method and system for reducing the time it takes for a trader to place a trade when electronically trading on an exchange, thus increasing the likelihood that the trader will have orders filled at desirable prices and quantities. The "Mercury" display and trading method of the present invention ensure fast and accurate execution of trades by displaying market depth on a vertical or horizontal plane, which fluctuates logically up or down, left or right across the plane as the market prices fluctuates. This allows the trader to trade quickly and efficiently.

PATENT: Electronic market message management of temporally specific messages; US 10,210,573 B2; 2/19/2019; CPC G06Q 40/04; 21 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT: Methods, devices, and systems for managing electronic messages of an electronic trading system in which orders are extracted from the electronic messages involve executing actions associated with respect to the orders. The actions in the electronic trading system may have times specified within the electronic message for the action to be executed.

PATENT: Processing payment card transaction records to determine insurance fraud risk; US 10,210,576 B2; 2/19/2019; CPC G06Q 40/08; 16 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A risk determination computing device for determining a risk of insurance fraud is provided. Additionally, a method for determining a risk of insurance fraud is provided. Further, a computer-readable storage medium having computer-executable instructions embodied thereon for determining a risk of insurance fraud is provided.

PATENT: System and method for providing automated receipt and bill collection, aggregation, and processing; US 10,210,578 B2; 2/19/2019; CPC G06Q 40/12; 19 claims; assigned to Capital One Financial Corporation.

ABSTRACT: A system and method in accordance with example embodiments may include automated receipt and bill collection, aggregation, and processing. Additionally, a system and method in accordance with example embodiments may a customer opt-in, scan one or more electronic messages including receipts and bills, retrieve transaction information from one or more electronic messages, associate retrieved transaction data with existing database data, and utilize the associated data to provide contextual information to a user.

PATENT: Method and system for platform data updating based on electronic transaction product data; US 10,210,582 B2; 2/19/2019; CPC G06Q 40/12; 16 claims; assigned to MasterCard International Incorporated.

SUMMARY: The present disclosure relates to the updating of a user service platform based on electronic transaction product data, specifically the capturing of product data for products purchased in an electronic payment transaction for association with a user in a user services platform.

PATENT: PATENT: System for reconciling an electronic statement of events; US 10,210,584 B2; 2/19/2019; CPC G06Q 40/12; 17 claims; assigned to Bank of America Corporation.

SUMMARY: In general, embodiments of the invention relate presentation of information in Graphical User Interfaces (GUIs) and, more specifically, providing for presentation of information within GUIs that provide a listing/statement of events such that the statement can readily indicate reconciled events within the display of the GUI.

PATENT: Systems and methods for use in compressing data structures; US 10,210,585 B2; 2/19/2019; CPC G06Q 40/12; 20 claims; assigned to MasterCard International Incorporated.

SUMMARY: The present disclosure generally relates to systems and methods for use in compressing data structures, and in particular, to sorting the data structures, prior to such compression, in order to reduce compressed sizes of the data structures.

PATENT: Merchant-consumer bridging platform apparatuses, methods and systems; US 10,204,327 B2; 2/12/2019; CPC G06Q 20/20; 18 claims; assigned to Visa International Service Association.

SUMMARY: The present innovations are directed generally to merchant promotion distribution and redemption, and more particularly, to merchant-consumer bridging platform apparatuses, methods and systems.

PATENT: Location controls on payment card transactions; US 10,204,333 B2; 2/12/2019; CPC G06Q 20/3224; 21 claims; assigned to MasterCard International Incorporated.

ABSTRACT: Geographical location information provided by a mobile device is used as a control on the use of a payment card as described. Mobile device identification is linked to a payment card account such that when a payment card authorization request is received, information about the geographic location of the origination of the request is checked against the geographic location provided by the mobile device, and if there is a match, the transaction can further processed for authorization or directly authorized.

PATENT: Location-based payment system and method; US 10,204,334 B2; 2/12/2019; CPC G06Q 20/3224; 7 claims; assigned to VeriFone, Inc.

ABSTRACT: A virtual payment system including a customer-specific, customer geolocation responsive, limited time duration payment identifier generator operative to generate a customer-specific, customer geolocation responsive, limited time duration payment identifier, a customer-specific limited time duration payment identifier communicator operative to communicate the customer-specific, customer geolocation responsive, limited time duration payment identifier to a customer and a limited time duration payment identifier validator, operative to verify genuineness and timeliness of the customer-specific, customer geolocation responsive, limited time duration payment identifier presented by the customer at a point of sale.

PATENT: Proximity-based mobile device payments; US 10,204,335 B1; 2/12/2019; CPC G06Q 20/3224; 20 claims; assigned to Amazon Technologies, Inc.

ABSTRACT EXCERPT: In some examples, by communicating with a mobile service, a user of a mobile device may settle his or her bill with a business using the mobile device. The business may be configured with a beacon to determine when the user's mobile device is near the business and a point-of-sale device to manage user orders and communicate with a mobile payment service.

PATENT: Generating a sensory indication; US 10,204,336 B1; 2/12/2019; CPC G06Q 20/341; 21 claims; assigned to Capital One Services, LLC.

SUMMARY: Consistent with the present disclosure, systems and methods are provided for generating a sensory indication on a transaction card. Embodiments consistent with the present disclosure include computer-implemented systems and methods for generating a sensory indication on a transaction card whereby the user is rewarded with a visual, audial, haptic, olfactory, etc. experience in the future.

PATENT: Systems and methods for processing transactions using a wallet; US 10,204,337 B1; 2/12/2019; CPC G06Q 20/36; 14 claims; assigned to JPMorgan Chase Bank, N.A.

ABSTRACT EXCERPT: The invention is directed to a wallet vault in communication with a financial payment network and a wallet in a customer device. Token information is generated and stored and corresponds to customer information and a payment product of the customer. The token information is output in an encrypted format from the wallet to a merchant website loaded on the customer device or a merchant application installed on the customer device, and then routed to the wallet vault.

PATENT: Method and system for an efficient consensus mechanism for permissioned blockchains using bloom filters and audit guarantees; US 10,204,341 B2; 2/12/2019; CPC G06Q 20/401; 24 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A method for addition of a block to a permissioned blockchain using efficient consensus includes: generating a Merkle root for received transaction messages and hashing the header of the most recent block in a blockchain; hashing a new header consisting of the Merkle root and prior block hash; sending the new header to auditing nodes; receiving approval of the new header from a majority of auditing nodes; informing the auditing nodes of the approval of the new header; and providing the new header and a digital signature to each consensus node for writing of a new block to the blockchain that includes the new header and the received transaction messages.

PATENT: Selective suppression of implied contract generation; US 10,204,377 B2; 2/12/2019; CPC G06Q 40/04; 15 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT: An electronic trading system utilizes a Match Engine that receives orders, stores them internally, calculates tradable combinations and advertises the availability of real and implied orders in the form of market data. New tradable items defined as combinations of other tradable items may be included in the calculation of tradable combinations. A technique is disclosed for suppression of the calculation and/or subsequent listing of an implied order when the order is either undesired or unnecessary in the market therefore.

PATENT: Flexible payment services for travel and credit cards; US 10,204,378 B1; 2/12/2019; CPC G06Q 40/04; 4 claims.

ABSTRACT: Flexible fiat and cryptocurrency Payment Services (FfcPS) are disclosed for travel and credit cards. This invention applies to U.S. Dollar, European Euro and other fiat, and Bitcoin, Ethereum and other cryptocurrencies. Merchants that use this invention would add a new item to their (room) key cards and credit cards--a Merchant cryptocurrency wallet public address Quick Response (QR) Code (Merchant QR Code). The Merchant QR Code's associated cryptocurrency wallet public address is recorded on a blockchain public ledger whenever used for a cryptocurrency payment from a consumer. That cryptocurrency payment is then converted to a fiat payment that's added to a merchant account for the consumer by an online exchange. For smart consumers, this invention would allow use of fiat or cryptocurrency with the best value at time of payment for fiat charges to a room or credit card.

PATENT: Methods, apparatus, and systems for curve trading; US 10,204,379 B2; 2/12/2019; CPC G06Q 40/06; 20 claims; assigned to Geneva Technologies, LLC.

ABSTRACT: The described technology displays, at a GUI (graphical user interface), a graph of one or more financial curves having one or more actionable indicators indicative of one or more tradable events associated with modeling and/or trading at least one market asset or financial instrument at a financial marketplace. The one or more indicators display a current real-time market value of a tradable event associated with the market asset or financial instrument. Input is received at the GUI from a trader to perform an action associated with the financial curve. In response to receiving the input, the action is initiated and the results are displayed at the GUI.

PATENT: Mobile device stand; US 10,198,720 B2; 2/5/2019; CPC G06Q 20/108; 11 claims; assigned to Capital One Services, LLC.

ABSTRACT: A mobile device camera stand includes a flat, planar base comprising a platform for receiving a document, an adjustable shaft projecting from the base at a first end of the shaft, and a flat, planar cradle having a top surface and a bottom surface, the bottom surface connected to a second end of the shaft. The top surface of the cradle receives a mobile device having a camera, and the cradle includes a cutout such that the camera is placed on the cutout such that the cutout does not obstruct the camera, thereby enabling the camera to image the document.

PATENT: System and method for providing a portable ATM; US 10,198,721 B2; 2/5/2019; CPC G06Q 20/1085; 9 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: Embodiments include a database that maintains a respective status of mobile ATMs that indicates the location and cash available for withdrawal, a communication interface that receives a request for a mobile ATM from a user device, the request including user device location data, a location processor that compares the user device location data to location data of the mobile ATMs, and determines a first mobile ATM that is closest to the user device based on the user device location data, and a backend transaction processor that processes the transaction when confirmed.

PATENT: Systems and methods for facilitating multi-party payment transactions; US 10,198,723 B2; 2/5/2019; CPC G06Q 20/22; 25 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: A computer-implemented method for facilitating a payment transaction wherein a cardholder purchases an item from a merchant on behalf of a buyer is provided. The method includes receiving proposal data from a buyer computing device, wherein the proposal data includes at least one of an identification of an item proposed for purchase, a particular merchant, and a merchant purchase price. The method also includes receiving a selection message from the buyer computing device, wherein the selection message indicates a selected cardholder chosen to purchase the item on behalf of a buyer using a merchant payment card associated with the particular merchant.

PATENT: Payment networks and methods for facilitating data transfers within payment networks; US 10,198,724 B2; 2/5/2019; CPC G06Q 20/223; 20 claims; assigned to MasterCard International Incorporated.

ABSTRACT: Exemplary payment networks and methods are provided for facilitating data transfers. One exemplary method includes determining a performance of a first path through a first WAN (wide area network) between a hub and a customer, determining a performance of a second path through a second different WAN between the hub and the customer, causing a data traffic associated with a first class of application to be routed along the first path when the performance of the first path is within a first performance threshold, and causing the data traffic, when routed along the first path, to be switched to the second path when the performance of the first path fails to satisfy and/or violates the performance threshold.

PATENT: Methods and systems for provisioning payment credentials; US 10,198,728 B2; 2/5/2019; CPC G06Q 20/3829; 17 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: A method and system for provisioning payment credentials usable by a mobile device in conducting a payment. The method is conducted at a provisioning system and comprises the steps of: receiving payment credentials from a receiving device, the payment credentials having been obtained from a portable payment device presented by a consumer at the receiving device; receiving, from the receiving device, an identifier entered by the consumer; identifying a mobile device or a secure element corresponding to the identifier; and communicating the payment credentials or a derivation of the payment credentials to the identified mobile device or the secure element to be securely stored in association with the mobile device.

PATENT: Wireless devices for storing a financial account card and methods for storing card data in a wireless device; US 10,198,730 B2; 2/5/2019; CPC G06Q 20/40145; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT: A non-transitory computer-readable medium stores instructions causing a processor to authorize a second party to use a financial account card. The instructions comprise instructions to receive, from a first wireless device associated with a first party, a selection of a financial account card from a user input device of the first wireless device; assign, to the selected financial account card, an identity of a second party that is authorized to use the selected financial account card; receive, from a second wireless device, a request to authorize a transaction using the selected financial account card; receive an indicator of an identity of a user of the second wireless device; and authorize the transaction, based on the received indicator, when the identity of the user of the second wireless device is the authorized second party.

PATENT: Performing actions based on the location of mobile device during a card swipe; US 10,198,731 B1; 2/5/2019; CPC G06Q 20/4016; 18 claims; assigned to Square, Inc.

ABSTRACT: Various embodiments are related to apparatuses and methods for basing actions on a location of a card swipe. A computer system receives information indicative of a location of a mobile device associated with a customer at a time corresponding to a swipe of a payment card at a card reader of a merchant. The location information can indicate, for example, the location of the mobile device as being at a GPS coordinate, or at a merchant's place of business. When the location information indicates that the mobile device and the card swipe are located near to each other, or are both located at the same merchant's place of business, a reduced level of fraud analysis can be used when authorizing the purchase transaction. A targeted ad can be sent to a mobile device associated with the customer based on the location of the card reader used for the card swipe.

PATENT: Displayed and dark equity options electronic order book with market maker participation; US 10,198,767 B2; 2/5/2019; CPC G06Q 40/04; 26 claims; assigned to NYSE Group, Inc.

SUMMARY According to one aspect of the present invention, a method for electronic options trading with market maker participation includes a market center which lists a plurality of options series, wherein the market center has an order book for each option series and a quote book for each option series, wherein the order book has a displayed interest component and a nondisplayed interest component and wherein a number of the option series have an appointed lead market maker.

PATENT: Order message flow routing engine and method; US 10,198,768 B2; 2/5/2019; CPC G06Q 40/04; 20 claims; assigned to Nasdaq, Inc.

ABSTRACT EXCERPT: A routing device for routing an electronic order data message is provided. A storage medium stores a routing table and a transceiver communicates with a first set of computing nodes, a first electronic trading platform, and a second set of electronic trading platforms. An electronic order data message and an updated financial data message feed are accepted at the routing device. The marketable or non-marketable operation state of the electronic order data message is determined from the updated financial data message feed.

PATENT: Functional portable device for event access and delivery; US 10,185,919 B2; 1/22/2019; CPC G06Q 10/02; 18 claims; assigned to Visa International Service Association.

SUMMARY: Techniques for using a portable consumer device for event access in lieu of conventional tickets in order to grant entry into the venue, while protecting sensitive data, and providing for the pre-purchase of goods or services for delivery or pick-up at the venue are provided.

PATENT: Method and system for processing internet payments; US 10,185,936 B2; 1/22/2019; CPC G06Q 20/04; 92 claims; assigned to JPMorgan Chase Bank, N.A.

SUMMARY: The present invention represents a new paradigm for effectuating electronic payments that leverages existing platforms, conventional payment infrastructures and currently available web-based technology to enable e-commerce in both the virtual and physical marketplace. The concept provides a safe, sound, and secure method that allows users (consumers) to shop on the Internet, pay bills, and pay anyone virtually anywhere, all without the consumer having to share account number information with the payee.

PATENT: Methods and systems for product identification and computer routing services; US 10,185,938 B2; 1/22/2019; CPC G06Q 20/085; 20 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: A method and system for managing payment card transaction instructions at a point of interaction (POI) device. The method includes storing one or more payment card transaction instructions received from an entity responsible for a plurality of payment cards usable with the POI device wherein the payment card transaction instructions are associated with at least one of a brand and a product of the entity. The method further includes receiving, from a merchant, a payment card identifier before or during a payment card transaction, the payment card identifier including a plurality of fields.

PATENT: Facilitating presentation of content relating to a financial transaction; US 10,185,946 B2; 1/22/2019; CPC G06Q 20/24; 18 claims; assigned to Fiserv, Inc.

ABSTRACT: Systems, methods and computer-readable media for facilitating the provision of content associated with a financial transaction are disclosed. The content may be identified by a requestor of the financial transaction or any party to the financial transaction. The content may also be generated by a service provider system that executes the financial transaction. A content location identifier that identifies a location where the content is stored may be identified or generated and may be included in or otherwise provided in association with a debit or credit instruction. The content location identifier may facilitate access to the content by any of a variety of systems or users.

PATENT: Systems and methods to generate a location dependent alert in a mobile device of a user; US 10,185,948 B2; 1/22/2019; CPC G06Q 20/3224; 16 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: A mobile device having a position determination device and a mobile application configured, in response to the location of the mobile device determined by the position determination device, to: predict a transaction based at least in part on the location of the mobile device; select, based at least in part on the location of the mobile device, a first account for the transaction from a plurality of accounts identified by the identification information; and provide, via the user interface, an alert identifying the first account, before a user of the mobile device begins to make the transaction.

PATENT: Contactless enablement of device; US 10,185,952 B2; 1/22/2019; CPC G06Q 20/352; 18 claims; assigned to Visa International Service Association.

ABSTRACT: A method is disclosed. The method includes performing a contact transmission of data between a contact interface on a portable device and a first POS (point of sale) terminal with a contact chip reader in a contact payment transaction. The method also includes receiving a command from a payment processing network via an authorization response message through the contact interface on the portable device while the portable device is in contact with the first POS terminal, and then enabling a contactless interface of the portable device based on the command.

PATENT: System and method for reporting a lost payment card; US 10,185,953 B2; 1/22/2019; CPC G06Q 20/354; 13 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A system and method for registering a payment card so that if the payment card is lost, a replacement payment card can quickly and easily be reported, and shipment of a replacement payment card can be initiated. The location to which the replacement payment card is to be shipped can be specified, and an estimate can be received for its time of arrival at that location. The estimated time of arrival of the replacement card can be updated with real time information.

PATENT: Electronic wallet device for business transactions; US 10,185,955 B1; 1/22/2019; CPC G06Q 30/06; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT: An example device may include a plurality of card slots configured to hold at least two transaction cards, each card slot, of the plurality of card slots, including a card reader, one or more memories; and one or more processors, communicatively coupled to the one or more memories, to receive transaction information associated with a transaction at a transaction terminal; identify business information associated with the transaction; select a transaction card from the at least two transaction cards based on the transaction information and the business information; and provide a transaction token, associated with the selected transaction card, to be used in connection with the transaction terminal to process the transaction.

PATENT: Cardless payment transactions; US 10,185,958 B2; 1/22/2019; CPC G06Q 20/4014; 47 claims; assigned to Square, Inc.

SUMMARY: On the one hand, it would be generally convenient for a customer to dispense with swiping of a credit card. On the other hand, the risk of unauthorized transactions is a potential problem in cardless payment transaction. An approach for conducting an electronic payment transaction without swiping a card is for the customer to provide authorization that particular merchants can perform a cardless payment transaction, and for such transactions to only be authorized when the customer is within a predetermined distance of the merchant, e.g., as sensed by the customer's mobile device.

PATENT: Display/user interface for trading system; US 10,185,989 B2; 1/22/2019; CPC G06Q 40/04; 24 claims; assigned to Bloomberg L.P.

ABSTRACT EXCERPT: This application discloses a display and/or user interface for viewing information relating to tradable items such as financial interests and/or for use in a trading system for such items. Offer and bid prices for the tradable item are displayed according to an alignment, e.g., vertically. The prices move along the alignment in accordance with received price updates. Persistence of at least a part of an earlier display is provided in a later display for indicating a market change or changes.

PATENT: System and method for providing market updates in an electronic trading environment; US 10,185,990 B2; 1/22/2019; CPC G06Q 40/04; 12 claims; assigned to Trading Technologies International, Inc.

ABSTRACT EXCERPT: A system and method are provided for modifying how market updates are provided in an electronic trading environment upon detecting one or more triggering events. One example method includes defining an event to be used to trigger modification of how market updates are provided to a client entity, receiving a market update from an electronic exchange, and, when the event is detected, modifying how the market update is provided to the client entity.

PATENT: Distribution of electronic market data; US 10,185,991 B2; 1/22/2019; CPC G06Q 40/04; 11 claims; assigned to Trading Technologies International, Inc.

ABSTRACT EXCERPT: A system and method are provided that, among other things, can reduce the burden on receiving computers, increase data throughput, reduce system failure, and provide components of a scalable and flexible network architecture. Specifically, the system and method provide a multichannel-multicast network environment for use in dynamically assigning data to channels. This configuration is particularly useful in a trading network environment, as it effectively performs channel reassignments in a way not to disturb the receipt of the underlying data.

PATENT: System and method for electronic spread trading in real and synthetically generated markets; US 10,185,992 B2; 1/22/2019; CPC G06Q 40/04; 17 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: A system and method are provided to analyze synthetic and real markets that offer interchangeable tradeable objects to find market opportunities that a trader may capitalize on. A synthetic market is an electronic market created out of real markets by a computer terminal or gateway. A real market is an electronic market that is offered by an electronic exchange. If a desirable market opportunity is found, the preferred embodiments can take action such as by sending orders to either one of the markets, or by sending orders to both markets. An advantage of the preferred embodiments, among many others, is that they can make "invisible" trading opportunities more readily apparent.

PATENT: Dynamic peg orders in an electronic trading system; US 10,185,993 B2; 1/22/2019; CPC G06Q 40/04; 20 claims; assigned to IEX Group, Inc.

ABSTRACT: In order to protect a trading party from predatory trading strategies employed by some market participants, especially during certain periods when quotes for a particular security are experiencing rapid changes or transitions, embodiments of the present invention facilitate and support a new type of trading orders whose booking and execution behaviors are dynamically varied in response to environmental market conditions. Pursuant to predefined rules for the new type of trading orders, the orders may be allowed to trade at more aggressive price levels if the market is relatively stable, and the orders can only trade at less aggressive price levels when the market is unstable.

PATENT: Trading tools for electronic trading; US 10,185,994 B2; 1/22/2019; CPC G06Q 40/04; 19 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: Tools for trading and monitoring a commodity on an electronic exchange using a graphical user interface and a user input device. The tools will aid the trader in determining the status, trends in the market, and the trader's position in the market.

PATENT: System and method for managing display of market data in an electronic trading system; US 10,185,995 B2; 1/22/2019; CPC G06Q 40/06; 20 claims; assigned to BGC Partners, L.P.

ABSTRACT: A system for managing trading orders comprises a memory operable to store a first order associated with a particular trading product, wherein the first order is associated with a first price comprising a first root value. The system further comprises a processor communicatively coupled to the memory and operable to receive a second order associated with the particular trading product. The second order is associated with a second price; and the second price comprises a second root value and a particular fractional pip value. The processor is further operable to disclose the first root value and the second root value while suppressing the particular fractional pip value.

PATENT: Stock fluctuation prediction method and server; US 10,185,996 B2; 1/22/2019; CPC G06Q 40/06; 11 claims; assigned to Foundation of Soongsil University Industry Cooperation.

SUMMARY: An aspect of the present invention may provide a method in which a stock price is predicted by using information for even general persons to easily access, and as a result, general investors can also expect high profit rate.

PATENT: System and method for generating an interaction request; US 10,181,114 B2; 1/15/2019; CPC G06Q 10/10; 19 claims; assigned to The Toronto-Dominion Bank.

ABSTRACT: A method and system are provided for generating an interaction request to initiate a first interaction session using a first interaction channel between a request recipient and a request service provider. The method includes determining an identifier of the interaction request to be generated, determining a task associated with the interaction request, obtaining context data of a plurality of other interaction sessions associated with the identifier, determining a subset of the context data of the plurality of other interaction sessions and generating the interaction request using the subset of the context data. The interaction request may be a modified version of an initial interaction request.

PATENT: Methods and systems for self-service checkout; US 10,181,119 B2; 1/15/2019; CPC G06Q 20/3224; 17 claims; assigned to MasterCard International Incorporated.

ABSTRACT: Methods and systems for self-service checkout. In an embodiment, a mobile device processor of a consumer's mobile device receives input data of an item selected for a purchase transaction, displays information concerning the item on a display screen, and receives an indication from a consumer that shopping is completed. The method includes transmitting checkout data for the purchase transaction to a self-service checkout computer, receiving a transaction authorization message and merchant instructions from the self-service checkout computer, and then displaying on the display screen the transaction authorization message and the merchant instructions, wherein the merchant instructions direct the consumer to exit the particular merchant store in a particular manner.

PATENT: Methods and systems of EMV certification; US 10,181,120 B1; 1/15/2019; CPC G06Q 20/3278; 12 claims; assigned to U.S. Bancorp, National Association.

ABSTRACT: An illustrative embodiment disclosed herein is an EMV (Europay MasterCard Visa) certification system including a credit card simulator configured to program a probe with credit card data, a point of sale simulator configured to send transaction data to a payment terminal, a robotic arm configured to perform an action on the payment terminal, and a robot controller communicatively coupled to the robotic arm. The robot controller is configured to instruct the robotic arm to perform the action. The EMV certification system further includes a test coordinator communicatively coupled to the credit card simulator, the point of sale simulator, and the robot controller. The test coordinator is configured to request the robot controller instruct the robotic arm based on reading a response from the payment terminal.

PATENT: Apparatus, method, and computer program product for recovering torn smart payment device transactions; US 10,181,121 B2; 1/15/2019; CPC G06Q 20/40; 16 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: A first command is sent from a payment terminal assembly to a payment device with an on-device balance to compute a cryptogram to complete a putative transaction. It is detected that the cryptogram is not received as expected. In response, an identifier of the payment device and transaction recovery data associated with the putative transaction are stored in a storage area of a terminal memory of the payment terminal assembly. The payment terminal assembly obtains the identifier of the payment device, upon re-presentation of the payment device. Upon such re-presentation, the payment terminal assembly compares the obtained identifier of the payment device to contents of the storage area.

PATENT: Method and system for identifying optimal rewards programs; US 10,181,129 B2; 1/15/2019; CPC G06Q 30/0226; 17 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A method and a system are provided for identifying optimal rewards programs. The method involves retrieving from one or more databases a first set of information comprising payment card holder transaction information including at least purchasing activities and optionally payment activities attributable to the payment card holder, and retrieving from one or more databases a second set of information comprising a plurality of rewards programs. One or more predictive behavioral spend profiles are generated based on the first set of information. The one or more predictive behavioral spend profiles and the second set of information are then analyzed to identify one or more correlations between the one or more predictive behavioral spend profiles and the plurality of rewards programs. Targeted information, based on the one or more correlations, is provided to one or more entities (e.g., payment card holder or merchant).

PATENT: Financial services device; US 10,181,154 B1; 1/15/2019; CPC G06Q 40/00; 18 claims; assigned to JPMorgan Chase Bank, N.A.

ABSTRACT: A number of enhancements for financial services devices are provided. Financial services devices, as used herein, may include drive-up type financial services devices. These enhancements include user interface improvements as well as increasing functionality of the financial services device. Specific application of the enhancements include drive up financial services devices. The enhancements may include improved ergonomics for customer interaction and multiple display screens, as well as sensors for detection of a customer's vehicle.

PATENT: System and method for automated trade replication trade bundling and detachment; US 10,181,156 B2; 1/15/2019; CPC G06Q 40/04; 5 claims; assigned to Ditto Holdings, Inc.

ABSTRACT: A system and method for automated securities trading is provided. The system includes a lead trader account database, a follower account database, and a trade determination system. Trade information is received from a lead trader and a listing of followers for the lead trader is retrieved from the lead account database. For each follower, their account at the follower account database is accessed to confirm that they desire to participate in the lead trader's trade and that they have enough funds to do so. The lead trader and follower's traders are then grouped together and traded as a single trade. The traded shares are then provided to the lead trader and followers at the average price of the trade.

PATENT: System and method for aggressively trading a strategy in an electronic trading environment; US 10,181,157 B2; 1/15/2019; CPC G06Q 40/04; 22 claims; assigned to Trading Technologies International Inc.

ABSTRACT: According to the example embodiments, a trader may configure the automated trading tool to trade as aggressively as possible by leaning on a price without an associated quantity. This allows a trader to possibly obtain a more profitable price as well as get filled faster. Traders submit an order for a spread and the automated trading tool calculates the quote order price based on a defined level of aggressiveness, the leaned on price, and the desired spread price. Based on the level of defined aggressiveness and the gap in the market, the automated trading tool may lean on a mildly, moderately, or extremely aggressive price.

PATENT: Systems and methods for providing sensor-based location proximity detection and notification; US 10,176,461 B2; 1/8/2019; CPC G06Q 10/109; 20 claims; assigned to The Toronto-Dominion Bank.

ABSTRACT EXCERPT: The disclosed embodiments include methods and systems for providing a notification relating to a geographical boundary based on monitored sensor data collected by networked devices. The disclosed embodiments include, for example, a method that monitors positional sensor data received from one or more triggering devices. The method may calculate a first boundary extent delimiting the geographical area of the first boundary based on one or more boundary extent parameters.

PATENT: Check cashing automated banking machine; US 10,176,466 B2; 1/8/2019; CPC G06Q 20/1085; 17 claims; assigned to Diebold Nixdorf, Incorporated.

ABSTRACT: Described herein is a technique for cashing a check at an automated banking machine. A check is presented via a check acceptor which obtains check data from the check, the check data comprises an amount. If the amount of the check is greater than a predetermined threshold, or limit, the user is asked to provide additional identification, such as a driver's license. A driver's license scanner reads data from the driver's license. The data read from a driver's license may include a hologram and/or a bar code.

PATENT: Disparate network systems and methods; US 10,176,468 B1; 1/8/2019; CPC G06Q 20/202; 16 claims; assigned to U.S. Bank National Association.

ABSTRACT: Electronic transaction data and/or electronic payment data therefor is routed to disparate payment networks for a multitude of transactions. A software-programmed computer type circuit receives and processes point-of-sale transaction data to select two disparate payment networks for processing electronic payment for the transaction data. Transaction and/or payment data is routed to each of the disparate payment networks, to respectively debit and credit payment accounts, to provide payment to a seller on behalf of a buyer involved in the transaction.

PATENT: Secure ecosystem infrastructure enabling multiple types of electronic wallets in an ecosystem of issuers, service providers, and acquires of instruments; US 10,176,476 B2; 1/8/2019; CPC G06Q 20/382; 9 claims; assigned to MasterCard Mobile Transactions Solutions, Inc.

ABSTRACT: A platform for performing secure personalized transactions in a multi-domain ecosystem includes a personalization tier that enables service provider personalization for one or more ecosystem elements stored on a mobile device. Further, the platform includes an enabling tier for facilitating interoperation between the personalization tier and a client device. The platform further includes a service tier that may be operating independently of the enabling tier and may enable service delivery for a plurality of services.

PATENT: Methods and systems for universal payment account translation; US 10,176,477 B2; 1/8/2019; CPC G06Q 20/40; 12 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: A method and system of transferring value from a payer participant of a first online community website to a payee participant of a second online community website through a payment account translation system is provided. The method includes initiating a first payment request, validating that the payer and payee are registered participants of the online community, translating the payer alias into a payer pseudo-account number using business rules and community participant profiles associated with the community website from which the payment request is made, and mapping the payer pseudo-account number to a respective funding/repository account primary account number (PAN).

PATENT: Transaction initiation determination system utilizing transaction data elements; US 10,176,478 B2; 1/8/2019; CPC G06Q 20/40; 12 claims; assigned to Visa International Service Association.

ABSTRACT: Systems and methods are described that allow for determining a transaction initiation mode used to conduct a transaction and applying a specific set of rules associated with the transaction initiation mode to the transaction. A transaction authorization request message is received at a server computer. The transaction authorization message is for a transaction between a consumer and a merchant and includes a plurality of data elements. The server computer determines a transaction initiation mode, from among at least three different transaction initiation modes, used to conduct the transaction based at least in part on the data elements. The server computer applies a specific set of rules associated with the transaction initiation mode to the transaction.

PATENT: Stranded asset management in customer service call centers; US 10,176,480 B1; 1/8/2019; CPC G06Q 30/016; 20 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: A method, system and computer-readable storage medium provide for managing stranded assets of a customer service call center. The system includes an interface component that identifies an opportunity event of an established customer service session initiated by a user that is in a waiting queue for a customer service representative. The system includes an ingestion component that ingests one or more characteristics of the opportunity event that characterize at least one of: (i) the identity of the user; (ii) subject of the established customer service session; and (iii) situational context of the user. The system includes a correlation component that correlates the one or more ingested characteristics and an estimated duration of the waiting queue with at least one transaction-related content item. The system includes a publishing component that publishes a selected transaction-related content item via the established customer service session to the user while in the waiting queue.

PATENT: Behavior based determination of financial transaction favorites; US 10,176,522 B1; 1/8/2019; CPC G06Q 40/00; 18 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: Techniques are described for monitoring a plurality of financial transactions of a customer performed across a plurality of financial accounts. The techniques may include determining a subset of the plurality of financial transactions based on a first metric applied to the plurality of financial transactions. The techniques may further include identifying a suggested financial transaction based on a second metric applied to the subset of the plurality of financial transactions. The techniques may further include presenting the suggested financial transaction to the customer via a user interface associated with at least one of the plurality of financial accounts.

PATENT: System and method for automated trade processing; US 10,176,523 B1; 1/8/2019; CPC G06Q 40/04; 9 claims; assigned to Vestmark, Inc.

ABSTRACT: An order management system and method are provided for automated management of the trading activity between a buy-side firm and sell-side firm. A trade rotation list is defined that governs trades. Items on the trade rotation list are defined by at least one characteristic that is used to match a trade by assigning a sequence number to that trade. An eligibility policy and a rotation method can be defined for each trade list. The rotation method rotates the sequence in which sponsors receive block trades, so that sponsors alternate the advantage of trading first. A trade route within an order management system comprises a trade context and an allocation context. One of the trade context or allocation context or both are referenced by metadata characteristics. If the trade route references a context by name, then the trade order is routed to the trade proxy associated with the context. If the trade route references the context by metadata, then the context to be used is determined by looking up metadata of a trade order using the metadata specified in the trade route and matching that to the metadata of the context.

PATENT: Systems and methods for point of sale deposits; US 10,169,745 B2; 1/1/2019; CPC G06Q 20/108; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: The disclosed embodiments include systems and methods for executing a point of sale deposit. In one embodiment, a system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive deposit information related to a point of sale deposit from a mobile device, and generate a deposit token retaining at least the deposit information and deposit authorization information.

PATENT: Methods, systems, and computer readable media for integrating payments; US 10,169,746 B2; 1/1/2019; CPC G06Q 20/14; 18 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: Methods, systems, and computer readable media for integrating payments are disclosed. An exemplary method includes a payment integrator device including at least one processor for receiving instructions to connect to a plurality of privately hosted servers associated with a plurality of different third-party providers and receiving, from the plurality of privately hosted servers, billing information associated with a plurality of different accounts.

PATENT: Systems and methods for tracking and adjustment of electronic transaction processing results; US 10,169,749 B2; 1/1/2019; CPC G06Q 20/20; 17 claims; assigned to Bank of America Corporation.

ABSTRACT: A computer implemented system and method are disclosed involving technological advancements in the processing of electronic transaction processing results. The system may comprise a computer apparatus implementing a checking account system, a savings account system, a merchant account and investment account on a funds management system, and one or more computer systems and mobile devices including a communication interface, processor, memory storing computer-executable instructions, and savings modules. Reward amounts may be calculated based on various techniques.

PATENT: Method and system for maintaining privacy in the inference of merchant geolocations; US 10,169,753 B2; 1/1/2019; CPC G06Q 20/3224; 18 claims; assigned to MasterCard International Incorporated.

SUMMARY: The present disclosure relates to the maintaining of privacy in the inference of merchant geolocations, specifically the use of mobile device geolocation data in combination with transaction data to infer merchant geolocations while obscuring the data used in order to maintain consumer privacy.

PATENT: Fund on activation; US 10,169,755 B2; 1/1/2019; CPC G06Q 20/354; 20 claims; assigned to Visa International Service Association.

ABSTRACT: A system and method of funding a financial transaction card, providing a financial transaction card to a user, wherein the financial transaction card has a face value and wherein an amount of funds pertaining to the face value is placed in a liability account, and wherein the financial transaction card has an actual value of zero, activating the financial transaction card by the user; and funding a funds pool for the financial transaction card with the funds from the liability account after the activation of the financial transaction card, wherein only funds from the funds pool is available for conducting a purchase.

PATENT: System and method for a mobile wallet; US 10,169,756 B1; 1/1/2019; CPC G06Q 20/36; 15 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: A computer-implemented system and method includes receiving a first geographic location of a mobile device when a mobile wallet transaction is initiated, receiving a second geographic location of the mobile device after the mobile wallet transaction is initiated, comparing the first and second geographic locations to ensure a match, permitting the mobile device to process the mobile wallet transaction upon determining that the first and second geographic locations of the mobile device are within a predefined distance of each other, and transferring funds to a merchant after verifying that the second geographic location of the mobile device is within a predetermined distance of a location of the merchant.

PATENT: Deposit for non-account holders; US 10,169,758 B2; 1/1/2019; CPC G06Q 20/4012; 12 claims; assigned to Bank of America Corporation.

ABSTRACT: Systems and methods for depositing monetary funds into an account are described. A first request from a first individual to deposit monetary funds into an account associated with an entity may be received. The first individual is not an account owner of the account. Monetary funds from the first individual may be received for deposit in the account. The monetary funds may include cash, checks, credit card transfers, and/or debit card transfers. The receipt of the first request may be receipt of a paper ticket with an access code authorizing deposit of monetary funds into the account. One or more restrictions may be reviewed to authorize the deposit of monetary funds in the account.

PATENT: Restricted-use account payment administration apparatuses, methods and systems; US 10,169,760 B2; 1/1/2019; CPC G06Q 20/405; 20 claims; assigned to Visa International Service Association.

ABSTRACT: The method and systems (hereinafter "RUAP") transform purchase item information inputs or purchase receipt inputs via RUAP components into restricted-use account payment settlement outputs. A method is disclosed, including: receiving a restricted-use account reimbursement request including receipt information related to a purchase transaction from a user; obtaining purchase item information from the receipt information included in the restricted-use account reimbursement request; identifying a restricted-use account of the user; determining a purchase item is eligible for the restricted-account usage; determining a reimbursement amount associated with the purchase item form the purchase item information; generating a reimbursement authorization request message including the purchase item information and the reimbursement amount; transmitting the reimbursement authorization request message to a restricted-account issuer for approval; and transacting the reimbursement amount from the restricted-use account to a user financial account upon the restricted-account issuer approval.

PATENT: Providing financial account information to users; US 10,169,812 B1; 1/1/2019; CPC G06Q 40/02; 18 claims; assigned to The PNC Financial Services Group, Inc.

ABSTRACT EXCERPT: Various embodiments are directed to computer-implemented systems and methods for providing financial information to a user. A computing device may receive from a financial server system data indicative of a balance of a first financial account of the user; a balance of a second financial account of the user; and a balance of scheduled payments to be deducted from the first financial account. The computing device may provide a graphical interface to the user.

PATENT: High speed processing of financial information using FPGA devices; US 10,169,814 B2; 1/1/2019; CPC G06Q 40/04; 16 claims; assigned to IP Reservoir, LLC.

ABSTRACT: A high speed apparatus and method for processing financial instrument order books are disclosed. With respect to an exemplary embodiment, a reconfigurable logic device is employed to synthesize quote events associated with a plurality of financial instruments from a financial market data feed.

PATENT: Dynamic market order execution validation mechanism; US 10,169,815 B2; 1/1/2019; CPC G06Q 40/04; 18 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: A system, method, and non-transitory computer-readable information recording medium allows a user or trader to prepare, and send to an exchange, a trade order using a trading device. The trading device receives market data from an exchange and displays the received market data on a display unit of the trading device. The trading device also receives a trade order instruction via an input device at the trading device and detecting an occurrence of a market update as a function of the received market data within an established trade order time period associated with a time at which the trade order was received. If the occurrence of the market update was detected during the established trade order time period, the execution of the trade order is prevented.

PATENT: Trading anomaly kill switch; US 10,169,816 B2; 1/1/2019; CPC G06Q 40/04; 20 claims; assigned to Morgan Stanley Group Inc.

ABSTRACT: A system that can detect when abnormal trading activity is occurring and take action to halt the detected abnormal trading activity without human intervention using a computer-implemented anomaly detection and action stage that performs an exponential weighted averaging of trade order flow, on a per symbol basis within a sliding volume based window and a volume based exponential weighted averaging, on a per symbol basis, on trade update messages received during the sliding volume based window and checks for an inflection in covariance between them. A related method is also described.

PATENT: Systems and methods for routing trade orders based on exchange latency; US 10,169,818 B2; 1/1/2019; CPC G06Q 40/04; 16 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: Systems and methods for routing trade orders based on exchange latency are disclosed. An example method includes measuring a first latency associated with a first exchange based on a processing time of a first trade order; and routing a second trade order from a trading device to one of the first and a second exchange based on the first latency.

PATENT: Strategy based exit planning for a trading system; US 10,169,819 B1; 1/1/2019; CPC G06Q 40/06; 20 claims; assigned to E*Trade Financial Corporation.

ABSTRACT: A system for strategy based exit planning comprises a processor and a memory. The processor is configured to receive an indication to create an exit plan; and create an exit plan for a strategy, wherein the strategy comprises one or more instruments. The memory is coupled to the processor and configured to provide the processor with instructions.

PATENT: Systems and methods for display notifications for routing of electronic transaction processing results; US 10,169,820 B2; 1/1/2019; CPC G06Q 40/06; 18 claims; assigned to Bank of America Corporation.

ABSTRACT: A computer implemented system and method are disclosed involving technological advancements in the processing of electronic transaction processing results. The system may comprise a computer apparatus implementing a checking account system, a savings account system, a merchant account and investment account on a funds management system, and one or more computer systems and mobile devices including a communication interface, processor, memory storing computer-executable instructions, and savings modules. Reward amounts may be calculated based on various techniques.

PATENT: System and method for capturing sales tax deduction information from monetary card transactions; US 10,169,829 B2; 1/1/2019; CPC G06Q 40/123; 20 claims; assigned to Capital One Financial Corporation.

ABSTRACT: Systems and methods are provided for managing sales tax information. The information may be generated, for example, in connection with transactions involving financial accounts, such as a credit card account. The sales tax information may be received electronically from, for example, a merchant or a point of sale device. A determination may be made whether there is any missing sales tax information. If there is missing information a request may be generated and sent to a source having the information. The source may receive the request, retrieve the desired information, and transmit it to the requesting entity. The sales tax information may be stored and later retrieved for presentation to a user, such as the account holder. The account holder may use the information in completing a tax return.

PATENT: Intelligence platform for scheduling product preparation and delivery; US 10,163,070 B1; 12/25/2018; CPC G06Q 10/0834; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: A device may receive a request for a product. Based on the request, the device may determine a geographic location and delivery time for delivery of the product, and the device may identify product locations that are capable of providing the product and located near the geographic location. The device may determine, for each of the product locations and based on the product and at least one product location characteristic, a fulfillment time indicating when the product will be prepared for delivery.

Frip: Robots taking over!

PATENT: Automated systems for reducing computational loads in the mass execution of analytical models using scale-out computing; US 10,163,072 B2; 12/25/2018; CPC G06Q 10/087; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT: Disclosed embodiments provide systems and techniques for mass execution of analytical models across multiple dimensions of client, collateral, deal structure, third party, and other data relevant to predicting optimal decisions in real-time. In some embodiments, disclosed systems and techniques increase decisioning speed through the reduction of computational loads on disclosed decisioning systems. Further disclosed systems and techniques may scale-out analytical modeling computations through, among other technological solutions, advanced execution environments that are asynchronous and non-blocking in nature so as to allow the execution of a plurality of analytical models in parallel and optimizing the results.

PATENT: Cryptocurrency payment network; US 10,163,079 B1; 12/25/2018; CPC G06Q 20/065; 20 claims; assigned to Square, Inc.

ABSTRACT EXCERPT: In one embodiment, a method includes purchasing an amount of cryptocurrency assets from a cryptocurrency source system and storing, in a cryptocurrency wallet maintained by a payment service, private encryption keys representative of the purchased cryptocurrency assets. The method also includes assigning, in a ledger maintained by the payment service, ownership of amounts of cryptocurrency to the payment service and users of the payment service.

PATENT: Document tracking on a distributed ledger; US 10,163,080 B2; 12/25/2018; CPC G06Q 20/0655; 18 claims; assigned to The Toronto-Dominion Bank.

ABSTRACT: An apparatus for use in electronic document control includes a storage device a processor coupled to the storage device. The storage device storing software instructions for controlling the processor that when executed by the processor configure the processor to: receive a signal representing data including an original document, append a unique identifier to the original document to generate a modified document, generate a hash value of the modified document, and transmit the hash value corresponding to the modified document to an electronic distributed ledger.

PATENT: Method and system for automatically collecting payment for a credit account; US 10,163,081 B2; 12/25/2018; CPC G06Q 20/102; 22 claims; assigned to Capital One Financial Corporation.

ABSTRACT: A method for automatically collecting payment for a credit account includes determining if a credit account is delinquent and determining the number of days the credit account is delinquent. The method includes automatically collecting a first amount from a first account if the number of days the credit account is delinquent comprises at least a first number of days and crediting the credit account the first amount. The first account may comprise a checking account, and the first number of days may comprise twenty days.

PATENT: Account activity management system; US 10,163,083 B2; 12/25/2018; CPC G06Q 20/108; 16 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: Embodiments of the invention are directed to systems, methods and computer program products for use in streamlining customer finance and customer money management platforms and providing electronic financial management. An exemplary apparatus may be configured to provide access to a funds transfer management portal that interfaces with at least one database to access a customer's financial information for use in presenting account activity associated with at least one of the customer's accounts maintained by a financial institution.

PATENT: Banking systems controlled by data bearing records; US 10,163,084 B2; 12/25/2018; CPC G06Q 20/108; 20 claims; assigned to Bank of America Corporation.

SUMMARY: Aspects of the disclosure provide effective, efficient, scalable, and convenient technical solutions that address and overcome the technical problems associated with optimizing the technical operations of the cash handling devices and various related computer systems. In particular, one or more aspects of the disclosure provide techniques for deploying, configuring, and utilizing cash handling devices to provide dynamic and adaptable operating functions.

PATENT: System and method for processing and interaction request; US 10,163,085 B2; 12/25/2018; CPC G06Q 20/1085; 19 claims; assigned to The Toronto-Dominion Bank.

ABSTRACT EXCERPT: A method and system are provided for processing an interaction request. The method includes detecting the interaction request in a first interaction session using a first interaction channel between a request initiator and a request service provider, assigning an identifier to the interaction request, determining a task associated with the interaction request, and obtaining context data of a plurality of other interaction sessions associated with the identifier. The plurality of other interaction sessions occurs proximal in time with the first interaction session. The context data is related to activity of the request initiator. The method also includes associating a subset of the context data with the interaction request.

PATENT: Systems and methods for providing transaction tokens for mobile devices; US 10,163,096 B2; 12/25/2018; CPC G06Q 20/3278; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: The disclosed embodiments include methods and systems for providing payment token transactions by a mobile device. The mobile device may be operable to obtain a payment token, where the payment token is associated with one or more payment token parameters and the mobile device may be configured to communicate with a financial service provider system over a first network when connectivity to the first network is available to the mobile device.

PATENT: Method and system for contactless financial transactions; US 10,163,097 B2; 12/25/2018; CPC G06Q 20/352; 13 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: A method and system are proposed for financial purchase transactions between a merchant and an employee in possession of a contactless credential device such as a proximity card ordinarily used for access to commercial facilities as in the case of electronically controlled doors and the like. The merchant is provided with a contactless reader device adapted to discern credential device codes.

PATENT: Systems and methods for processing electronic payments using a global payment directory; US 10,163,099 B2; 12/25/2018; CPC G06Q 20/3821; 19 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A computer system for use with a memory device for facilitating electronic payments to a payee from an account associated with a payor is provided. Payor profile information is stored in the memory device, which payor profile information is associated with the payor. A token identifier is created which is associated with the payor profile information. The token identifier is transmitted to a payee, for retransmittal of the token identifier by the payee to the computer system during a subsequent transaction between the payor and the payee.

PATENT: Location based authentication; US 10,163,100 B2; 12/25/2018; CPC G06Q 20/3825; 20 claims; assigned to Visa U.S.A. Inc.

ABSTRACT: A portable consumer device that is used to conduct a transaction at a merchant is authenticated. Information provided to a server computer includes locations of a merchant and a mobile communication device possessed by a consumer. If the location of the mobile communication device corresponds to the location of the merchant, the portable consumer device that is used to conduct the transaction is authenticated.

PATENT: Wireless devices for storing a financial account card and methods for storing card data in a wireless device; US 10,163,104 B2; 12/25/2018; CPC G06Q 20/40145; 14 claims; assigned to Capital One Services, LLC.

ABSTRACT: A wireless device is enabled to receive a financial account card that is inserted into a card slot of the wireless device. The wireless device reads card data from the financial account card when it is inserted into the slot and programs an RFID (radio frequency identification) tag or a memory included in the wireless device. The wireless device may then be used to provide payment by transmitting the card data via radio frequency to a nearby RFID reader using the RFID tag. The financial account card may also be ejected from the wireless device and swiped by a magnetic card reader.

PATENT: Systems and methods using a data structure summarizing item information in authorization request messages for communication in transactions involving multiple items; US 10,163,106 B2; 12/25/2018; CPC G06Q 20/403; 5 claims; assigned to Visa International Service Association.

ABSTRACT: A system and method includes an authorization request message configured with information about transaction amounts of items aggregated according to item categories and applicable rates for the items in the respective categories. Based on the information provided in the authorization request, a transaction handler is configured to compute a modified transaction amount for the transaction by reducing the transaction amount of items in one or more of the categories, without reducing the transaction amount(s) of items in one or more other categories, and computing a total transaction amount based on the reduction and the applicable rates.

PATENT: Contact alert system and method; US 10,163,109 B2; 12/25/2018; CPC G06Q 20/42; 16 claims; assigned to Visa International Service Association.

ABSTRACT: Embodiments of the present invention are directed to a system and method for receiving transaction data for a transaction, accessing a database comprising alert preference data, generating a contact alert message using the transaction data and alert preference data using a notification server coupled to the database wherein the contact alert message comprises contact information of a first person who conducted the transaction, and sending the contact alert message to a notification device of a second person.

PATENT: Multi-vendor multi-loyalty currency program; US 10,163,120 B2; 12/25/2018; CPC G06Q 30/0229; 8 claims; assigned to Visa U.S.A. Inc.

ABSTRACT EXCERPT: Loyalty programs can be operated within a payment processing system having multiple vendors, thereby providing access to detailed transaction data and with the flexibility for customization of the loyalty programs themselves, by establishing a communication for the transfer of data via a customer-facing channel.

PATENT: Systems and methods for providing offers using a mobile device; US 10,163,123 B2; 12/25/2018; CPC G06Q 30/0239; 20 claims; assigned to Capital One Financial Corporation.

ABSTRACT: A wireless device is enabled to provide offers. The wireless device receives card data for a financial account card and stores the card data in a memory associated with the wireless device. Responsive to using the card data in a transaction at a first merchant location, the wireless device receives transaction line-item data from a computing system associated with the first merchant location. The wireless device determines merchant information for a second merchant location and determines an offer associated with the second merchant location based on the line-item data and the merchant information for the second merchant. The wireless device presents the offer when the wireless device is near the second merchant location.

PATENT: Systems and methods of location based merchant recommendations; US 10,163,147 B2; 12/25/2018; CPC G06Q 30/0631; 20 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: A method for generating a list of recommended merchants based on an input merchant is provided. The method uses a recommender computing device. The method includes receiving an input merchant identifier, retrieving a first electronic data signal based on the input merchant identifier including historical transaction data of the input merchant including historical payment transactions initiated by candidate cardholders with the input merchant, and storing a list of the candidate cardholders.

PATENT: System and method of utilizing a distributed order book in an electronic trade match engine; US 10,163,151 B2; 12/25/2018; CPC G06Q 40/00; 16 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT: Methods and systems are providing for minimizing the effects of transmission delays when providing orders for financial instruments. A plurality of order books and match engines may be maintained at geographically dispersed locations. The orders may be synchronized to provide the appearance of a single order book to traders and other users. The plurality of order books and match engines allow traders and other users to transmit orders to the match engine associated with the shortest transmission delay and to access orders pending at other match engines.

PATENT: Electronic disclosure delivery system and method; US 10,163,153 B1; 12/25/2018; CPC G06Q 40/00; 20 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: A system includes a processor and machine readable storage media having instructions stored therein. The instructions, when executed by the processor, cause the processor to receive input indicating whether a customer of a financial institution has a mobile device, to receive an indication from the customer via the mobile device acknowledging that the customer has been given access to disclosure documents, and to provide the customer with a financial product based on the indication.

PATENT: OLED (“organic light emitting diode”) teller windows; US 10,163,154 B2; 12/25/2018; CPC G06Q 40/02; 15 claims; assigned to Bank of America Corporation.

SUMMARY: A method for enabling an OLED, drive-up, two-sided teller window is provided. The method may include establishing an initiation state. During the initiation state, the teller window may be transparent. The method may also include detecting a car at the OLED, drive-up, teller window. The detection of the car may change the state of the window. The method may include receiving banking information from a user of the car. The receipt of information may occur at the OLED, drive-up, teller window. The receipt of information may be via a pass-thru transaction drawer.

PATENT: Trading opportunities based on public ticker data; US 10,163,157 B2; 12/25/2018; CPC G06Q 40/04; 30 claims; assigned to Intercontinental Exchange Holdings, Inc.

ABSTRACT: Systems and methods for improving an efficiency of a system, including a financial exchange system, includes extracting trade data from one or more external data sources, parsing the trade data to identify trade information, comparing the trade information to one or more parameters, creating new trades based on the trade information only when the one or more parameters are satisfied, and offering the new trades to one or more participants.

PATENT: Order identification and fulfillment based on vehicle monitoring; US 10,157,364 B1; 12/18/2018; CPC G06Q 10/0836; 20 claims; assigned to Capital One Services, Inc.

SUMMARY: Some implementations provide a vehicle monitoring system that is capable of monitoring vehicles near a third party location (e.g., of a third party, such as an organization, an individual, or a governmental entity) and identifying orders related to the vehicles. In this way, the vehicle monitoring system facilitates efficient delivery of a good and/or a service to an individual for an order.

PATENT: Organic light emitting diode (“OLED”) visual authentication circuit board; US 10,157,383 B2; 12/18/2018; CPC G06Q 20/4014; 20 claims; assigned to Bank of America Corporation.

ABSTRACT: A circuit board that includes OLED display technology is provided. An OLED display may present light patterns recognizable by a hearing or visually impaired users. The light pattern may be customized by the user. A specific workflow may be associated with a specific light pattern. A light pattern may visually guide a user through a workflow. For example, different menu options may be color coded. High consequence changes may flash with a certain light sequence or pattern. Trusted devices may present a specific light pattern or matrix at "login" time to confirm that the user is accessing a trusted device.

PATENT: Allocation of service provider resources based on a capacity to provide the service; US 10,157,396 B1; 12/18/2018; CPC G06Q 30/0205; 20 claims; assigned to Capital One Services, LLC.

SUMMARY: According to some implementations, one or more devices may include one or more memories and one or more processors, communicatively connected to at least one of the one or more memories, to identify a service that is provided within a region; identify a model that is associated with the service, the model having been trained based on consumer profile data relating to consumers that have received the service in the region, service provider data associated with service providers that have provided the service in the region, and historical information associated with providing the service in the region.

PATENT: Systems and methods for presenting information about products based on movement of the products; US 10,157,409 B2; 12/18/2018; CPC G06Q 30/0623; 18 claims; assigned to MasterCard International Incorporated.

ABSTRACT: Systems and methods are provided for presenting information related to a product offered for sale in response to movement of the product. An example method includes receiving a movement indicator from a tag associated with the product. The movement indicator indicates movement of the product. The movement indicator includes an identifier. The method further includes identifying, in a tag data structure, a presentation device associated with the identifier, and causing information about the product to be displayed at a presentation device located proximate to the tag, whereby the consumer is able to perceive the information about the product.

PATENT: Systems and computer-implemented processes for occupational risk assessment; US 10,157,418 B1; 12/18/2018; CPC G06Q 40/025; 21 claims; assigned to Capital One Financial Services.

ABSTRACT: Systems and methods are disclosed for determine creditworthiness based on the stability of the customer's occupation. Occupational risk scores may be used to group stable or unstable occupations and may be used in conjunction with other indicators of creditworthiness. Risk band scores may also be used to determine creditworthiness. Other aspects of the disclosed embodiments are described herein.

PATENT: Multi-factor risk modeling platform; US 10,157,419 B1; 12/18/2018; CPC G06Q 40/06; 30 claims; assigned to FMR LLC.

ABSTRACT: A high performance platform for execution of a multi-factored risk models is described. The platform calculates risk exposures of investment portfolios in response to market events using metadata risk factor modules. Described are techniques for tracking and editing the metadata risk factor modules. Also described are SQL implemented approaches for aggregating risk exposures and conditional risk simulation techniques.

PATENT: Systems and methods for additional notification and inputs of electronic transaction processing results; US 10,157,420 B2; 12/18/2018; CPC G06Q 40/06; 14 claims; assigned to Bank of America Corporation.

ABSTRACT: A computer implemented system and method are disclosed involving technological advancements in the processing of electronic transaction processing results. The system may comprise a computer apparatus implementing a checking account system, a savings account system, a merchant account and investment account on a funds management system, and one or more computer systems and mobile devices including a communication interface, processor, memory storing computer-executable instructions, and savings modules. Reward amounts may be calculated based on various techniques.

PATENT: Secure analytical and advisory system for transaction data; US 10,157,421 B2; 12/18/2018; CPC G06Q 40/06; 22 claims; assigned to FMR LLC.

ABSTRACT: Methods and systems are described herein for securely analyzing transaction data of a user. A server computing device establishes a secure connection with a client device, which transmits transaction data to the server. The server establishes a hierarchy of nodes to profile a user's purchase history. The hierarchy includes a plurality of article nodes and category nodes. The server creates a new article node instance corresponding to the transaction data, the new article node storing descriptive properties of at least one item purchased by the user determined from the transaction data. The server links the new article node instance to at least one of the category nodes by classifying the descriptive properties of the item purchased with respect to relationships defined by the hierarchy. The server generates and transmits an event trigger to remind the user of a follow-up action and authenticates the client before the trigger is delivered.

PATENT: Application directory; US 10,152,687 B2; 12/11/2018; CPC G06Q 10/087; 36 claims; assigned to Goldman Sachs & Co. LLC.

SUMMARY: This disclosure relates to building, maintaining, and managing an inventory of applications and related assets deployed throughout an organization.

PATENT: Cloud-based transaction processing; US 10,152,704 B2; 12/11/2018; CPC G06Q 20/204; 18 claims; assigned to Tempus Technologies, Inc.

ABSTRACT: A peripheral controller implemented on a server facilitates a transaction initiated at a payment user interface (UI). The peripheral controller is configured to pair the payment UI with a peripheral device, which is configured to receive payment information from a user. The peripheral controller also is configured to communicate with a payment processing system to facilitate processing of a payment request.

PATENT: Quick payment using mobile device binding; US 10,152,705 B2; 12/11/2018; CPC G06Q 20/322; 20 claims; assigned to PayPal, Inc.

ABSTRACT: Methods and systems are provided for secure device binding that provides user convenience through avoiding repetitive logging in when changing apps or moving from website to website. A mobile device undergoes binding to an account so that customers do not always have to enter their password when going through a financial transaction process, on a known (e.g., registered) mobile device. A device may be bound during an initial login, and once logged in, the user can select an option to be "remembered" so that the user need not re-login on the same device for future visits with an app or to a website that shares the service provider library.

PATENT: Systems and methods for generating and managing dynamic customized electronic tokens for electronic device interaction; US 10,152,709 B2; 12/11/2018; CPC G06Q 20/3672; 19 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: Systems and methods are provided for generating and managing dynamic customized electronic tokens for electronic device interactions. A system for transferring data between a user device associated with a user and a remote device may include a memory storing instructions and a processor configured to execute the stored instructions. The stored instructions may configure the processor to receive, via a network, transaction information from the remote device, access information associated with an electronic token, and provide the electronic token to the remote device.

PATENT: Systems and methods for arbitraged enhanced payment processing; US 10,152,711 B2; 12/11/2018; CPC G06Q 20/3829; 17 claims; assigned to Worldplay, LLC.

SUMMARY: Systems and methods for arbitraged enhanced payment (AEP) processing in association with a system of distributed enhanced payment processing with multi-merchant tokenization are provided. Such systems and methods enable processing of virtual electronic payment (VEP) in addition to traditional credit card and debit card payment secured by multi-merchant tokenization. Such systems have the added benefit of providing a broader range of payment related services including, but not limited to, the prioritization of payment transactions and the routing of payment transactions to a merchant-selected payment processing entity.

PATENT: System to automatically restore payment purchasing power; US 10,152,714 B2; 12/11/2018; CPC G06Q 20/4016; 8 claims; assigned to Capital One Services, LLP.

SUMMARY: Disclosed embodiments include methods, systems, and computer-readable media configured to, for example, provide for embodiments related to processing fraud communications and enabling temporary use of PANs (Primary Account Numbers) that are associated with a fraud communication.

PATENT: Systems and methods for providing an interactive virtual environment; US 10,152,738 B2; 12/11/2018; CPC G06Q 30/0623; 15 claims; assigned to Capital One Services, LLP.

ABSTRACT: A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method for providing an interactive virtual environment. The system may receive environmental data, and generate virtual environmental data based on the environmental data. The system may then provide the virtual environmental data to at least a first computing device to create a virtual environment. The system may then receive user input, and modify the virtual environment to display enhanced content in response to the user input.

PATENT: Securities trading system; US 10,152,747 B2; 12/11/2018; CPC G06Q 40/04; 20 claims; assigned to BGC Partners, Inc.

ABSTRACT EXCERPT: A securities trading program for trading individual lots of a security which can be run at a security trader's computer station. The program generates a trading screen comprising a listing of multiple bids for the security, each bid having a price, as well as a listing of multiple priced offers for the security. The bid and offer listings are active, enabling the trader to hit any one of the displayed bids or take any one of the displayed offers, for example by selecting and clicking on a displayed bid or offer.

PATENT: Systems, methods, and computer-readable storage media for calculating a housing volatility index; US 10,152,748 B1; 12/11/2018; CPC G06Q 40/04; 20 claims; assigned to Freddie Mac.

ABSTRACT EXCERPT: Systems, methods, and computer-readable media are disclosed for calculating a housing volatility index. An exemplary embodiment includes accessing stored property value data reflecting first values of real estate properties during a first time period and second values of the real estate properties during a second time period.

PATENT: Systems and methods for trading a trade list in financial markets; US 10,152,749 B2; 12/11/2018; CPC G06Q 40/04; 15 claims; assigned to ITG Software Solutions, Inc.

ABSTRACT EXCERPT: Systems and methods are provided for maintaining neutrality while trading a list of securities using an algorithmic trading facility coupled with at least one destination. This destination includes at least one alternative trading system (ATS). This facility is coupled, via an electronic data network, to a plurality of trading clients, and configured to receive a trade request to trade a list of securities from a trading client. This request includes user defined trading constraints that are used to generate and transmit trade orders to at least one ATS. The orders are transmitted based on trading data related to the destinations, the trade list, and the trading constraints.

PATENT: Risk mitigation in an electronic trading system; US 10,152,750 B2; 12/11/2018; CPC G06Q 40/04; 8 claims; assigned to NYSE Group, Inc.

ABSTRACT EXCERPT: An electronic trading system (ETS) implements risk mitigation methods for orders and quotes associated with a market participant on the ETS. The methods determine a measure of risk associated with one or more trading positions. One of the methods globally counts the number of breaches of risk thresholds associated with a trading symbol and market participant across all matching engines on the ETS over a rolling time period, and if this global risk counter exceeds a maximum, disables all further trades by the market participant on the ETS.

Frip: What’s a little risk among friends?

PATENT: Order feed message stream integrity; US 10,152,751 B2; 12/11/2018; CPC G06Q 40/04; 16 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: Systems, methods, and computer-readable storage media are provided for improving order feed message stream integrity. Certain embodiments provide a method including sending, by a computing device, a first data message; sending a first stop message; clearing a message stream state; and sending a second data message. The first data message includes data related to an order for a tradeable object, a first sequence number with a value of a predefined initial sequence number, and a first phase number. The second data message includes data related to an order, a second sequence number with a value of the predefined initial sequence number, and a second phase number, wherein the second phase number is different than the first phase number. The message stream state is associated with the order.

PATENT: Methods and systems for computing trading strategies for use in portfolio management and computing associated probability distributions for use in option pricing; US 10,152,752 B2; 12/11/2018; CPC G06Q 40/04; 20 claims.

ABSTRACT: Exemplary methods and systems for creating uncorrelated trading strategies and deriving associated implied probability distributions of the price of an underlying financial instrument at future times are disclosed, applicable to stock market prices, interest rates, currency exchange rates, commodity prices and credit spreads.

PATENT: Business process framework; US 10,147,066 B2; 12/4/2018; CPC G06Q 10/067; 17 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: A business process framework (BPF) may be used to provide a vendor agnostic interface to allow one or more business users to design, deploy, test and/or monitor an operation of one or more business processes using a common user interface. The BPF may allow a user access to a business process management (BPM) system using a common interface, regardless of a vendor or version of BPM system being used by a business organization.

PATENT: Merchant data cleansing in clearing record; US 10,147,074 B2; 12/4/2018; CPC G06Q 20/023; 27 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: A network operator intermediates a cashless transaction by sending a payment device issuer an outbound clearing data file enriched with cleansed merchant data. Issuers that choose to participate in the merchant data cleansing service will be provided with the cleansed, and optionally augmented, merchant information. Providing this data to the issuer could be used to help reduce costs associated with "do not recognize" calls by cardholders, disputed charges, and charge-backs. With cleansed data provided in the clearing record, a device holder would be given access to this cleansed information about the merchant where a transaction took place through their statement.

PATENT: Digital currency (virtual payment cards) issued by central bank for mobile and wearable devices; US 10,147,076 B2; 12/4/2018; CPC G06Q 20/102; 27 claims.

ABSTRACT: Provided is a method for digital currency transfers via a mobile and wearable device. The method may include receiving a transfer request with a transfer amount in digital currency and user identification data associated with the user, retrieving payment data of the user associated with the identification data, generating an optical code encoding the payment data and the transfer amount. The method may continue with providing the optical code on a screen of the mobile and wearable device. On scanning of the optical code, a transfer receiving request is created. The method may continue with receiving a transfer receiving request to perform a payment transaction associated with the user, accessing a user account maintained by a currency issuance unit, and transferring the transfer amount in the digital currency from the user account to a recipient account associated with the recipient identification data.

PATENT: Financial transaction method and system having an update mechanism; US 10,147,077 B2; 12/4/2018; CPC G06Q 20/202; 25 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A payment device and method and system for using the payment device is described capable of utilizing a pre-authorized amount on existing infrastructure, including POS terminals or for using offline pre-paid products on this infrastructure. The updates for the pre-authorized or offline prepaid products can be sent by the issuer and applied by the card contemporaneously with the card's processing of the issuer authentication data but without requiring any additional bytes in the issuer authentication data. The updates performed by the issuer can be larger and more extensive than could be achieved by using any available space in the issuer authentication data.

PATENT: Methods and systems for providing a payment account with adaptive interchange; US 10,147,084 B2; 12/4/2018; CPC G06Q 20/3278; 7 claims; assigned to MasterCard International Incorporated.

ABSTRACT: Pursuant to some embodiments, systems, methods, apparatus, and means for conducting payment transactions using mobile devices are provided in which a mobile device is presented at a point of sale for use in a payment transaction. A selection of a primary account is received from a user of the mobile device, and the mobile device automatically identifies a product type of the primary payment account. The mobile device selects and transmits a proxy payment account identifier having a product type equivalent to the product type of the primary payment account to the point of sale for use in the payment transaction. The point of sale causes a first payment authorization request message to be routed to an issuer of the proxy payment account.

PATENT: Systems and methods for activating account card functions based on physical device interactions; US 10,147,085 B2; 12/4/2018; CPC G06Q 20/354; 24 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: Systems and methods are provided for activating a function of an account card based on physical devices interactions such as a motion pattern detected by the account card. In some embodiments, the account card may include one or more sensors and processing capabilities sufficient to store a motion pattern, detect a motion pattern representing movement of the account card, compare the detected motion pattern to the stored motion pattern, and activate one or more functions of the account card based on the comparison.

PATENT: Primary account number (PAN) length issuer identifier in payment account number data field of a transaction authorization request message; US 10,147,087 B2; 12/4/2018; CPC G06Q 20/382; 5 claims; assigned to MasterCard International Incorporated.

ABSTRACT: Transaction data is obtained relating to a current purchase transaction. An account indicator is retrieved. The transaction data is used to transform the account indicator. The transformed account indicator is encrypted to generate an encrypted account indicator.

PATENT: Data protection with translation; US 10,147,089 B2; 12/4/2018; CPC G06Q 20/3823; 26 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: Systems and methods are disclosed in which data associated with a transaction are protected with encryption. At an access device, a PIN associated with a payment account may be encrypted with a first key derived from an initial key of the access device and sensitive data associated with the payment account may be encrypted with a second key derived from the initial key. At a secure module associated with a host server encrypted sensitive data of an authorization request message may be decrypted.

PATENT: Method to enable consumers to make purchases at point of sale devices using their mobile number; US 10,147,094 B2; 12/4/2018; CPC G06Q 20/4012; 16 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A method and system include receiving, by a computer from a merchant device, a payment authorization request that comprises payment data and a Mobile Station International Subscriber Directory Number (MSISDN) associated with a mobile device; verifying the MSISDN by comparing MSISDN to a subscriber database; generating a message to verify a payment transaction at the merchant device, after the MSISDN is validated; receiving the verification message at the mobile device; verifying the payment transaction by transmitting a mobile personal identification number (PIN) associated with the MSISDN in response to the verification message; generating an authorization message indicating the payment transaction is one of approved or declined; and transmitting the authorization message to the merchant device. Numerous other aspects are provided.

PATENT: System and method of notifying user near point of sale location of available rewards at the point of sale location; US 10,147,100 B2; 12/4/2018; CPC G06Q 30/02; 20 claims; assigned to Capital One Financial Services Corporation.

ABSTRACT: Systems and methods for a point of sale reward system are provided. The system notifies users proximate to a point of sale location of rewards available for redemption specific to that user at that specific point of sale location.

PATENT: Systems and methods for virtual fittings; US 10,147,135 B2; 12/4/2018; CPC G06Q 30/0643; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT: A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method. The system may provide a virtual fitting system. The system may store sizing data including a 3-dimensional model of a target. The system may then receive user input data indicating the selection of a test object. In response to this identification, the system may receive a 3-dimensional model of the test object. The system can then apply the test object model to the target model to create a virtual fit model, and provide the virtual fit model to the computing device.

PATENT: Apparatuses, methods and systems for a video remote deposit capture platform; US 10,147,136 B1; 12/4/2018; CPC G06Q 40/02; 17 claims; assigned to USAA.

ABSTRACT EXCERPT: The system (hereinafter "RDC-Video") provides a platform for remote deposit by obtaining images of a check from streaming video captured by a video camera, wherein the RDC-Video transforms captured check images and/or entered check deposit information inputs via RDC-Video components into deposit confirmation outputs.

PATENT: Systems and/or methods for automatic ordering of pre-trade order evaluations; US 10,147,137 B2; 12/4/2018; CPC G06Q 40/04; 17 claims; assigned to Software AG.

ABSTRACT: Certain example embodiments described herein relate to systems and/or methods for electronic trading. An example embodiment stores pre-trade order evaluation rules in a memory. The embodiment includes receiving at least one trading order, determining a sequencing of the pre-trade order evaluation rules based on one or more dynamically updated performance metrics associated with the pre-trade order evaluation rules, applying the pre-trade order evaluation rules to the at least one received trading order in accordance with the determined sequencing, and based on results from the applying, either transmitting the at least one received trading order to a trading exchange or rejecting the at least one received trading order.

PATENT: User interface for semi-fungible trading; US 10,147,138 B2; 12/4/2018; CPC G06Q 40/04; 9 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: A user interface and method are disclosed for providing trading between a plurality of semi-fungible and non-fungible goods. A plurality of book axes are displayed in a single interface, each book axis representing a market for a particular good. Orders for goods are displayed as marks on the axes to display the relative value of the orders. A value axis is provided that relates the value of the goods from each market to each other. Thus, a single interface provides the means to relate the values of different semi-fungible goods. The value axis may be displayed in units of price, or a custom value designated by a user or pre-defined by the interface. Quantity information is represented in the interface through the display of a dimension of an order icon. Precise information about each order is displayed either in a panel view or a pop-up window.

PATENT: Order risk management for derivative products; US 10,147,139 B2; 12/4/2018; CPC G06Q 40/04; 14 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT: Systems and methods are provided for processing derivative product orders at an exchange. Traders provide derivative product order risk data to the exchange. The order risk data may include maximum delta, gamma and/or vega utilization values for derivative product contracts based on the same underlying product. Before executing a trade, a match system analyzes the trader's current utilization state and the utilization that would result after the trade. The match system may then execute all or a portion of the trade.

PATENT: Systems and methods for implementing a platform for investing; US 10,147,140 B1; 12/4/2018; CPC G06Q 40/06; 30 claims; assigned to The Bank of New York Mellon.

ABSTRACT: Systems and methods to implement a platform for investing allow customers to purchase shares of investment funds using a balance in a closed-loop stored-value account, a financial account, and/or both. Part of a balance is (periodically or automatically) withdrawn, and used to fund the purchase. Purchases may be triggered by predetermined and specified content and/or activity occurring in a social media stream associated with a customer. Withdrawals from multiple customers may be aggregated into a single periodical transaction.

PATENT: Transaction tracking and display; US 10,147,144 B2; 12/4/2018; CPC G06Q 40/128; 13 claims; assigned to Nice Ltd.

ABSTRACT: A transaction tracking system includes a display that permits viewing the relationship between related transactions. In the display, individual transactions are depicted as transaction icons sorted in time order horizontal rows according to order ID.

PATENT: Payment instrument validation and processing; US 10,140,597 B2; 11/27/2018; CPC G06Q 20/042; 20 claims; assigned to Bank of America Corporation.

ABSTRACT: Embodiments of the present invention provide apparatuses and methods that help validate and process payment instruments for different products, such as but not limited to credit card payments, mortgage payments, or any other type of payment. The payment amount from a payment instrument may be determined from a multiple locations on the payment instrument. In addition, a payment amount may be determined from a remittance document that accompanies the payment instrument, such as a remittance coupon that is mailed along with a check. The amount in the remittance courtesy box, the minimum amount due, the last payment made, and the full balance remaining may all be captured and used to validate the amount on the payment instrument. Moreover, one or more confidence scores for the amounts on the payment instrument and remittance document may be used to validate the payment amount.

PATENT: Device including encrypted data for expiration date and verification value creation; US 10,140,598 B2; 11/27/2018; CPC G06Q 20/10; 11 claims; assigned to Visa International Service Association.

ABSTRACT: In order to make it more difficult to obtain numbers that can be used to conduct fraudulent transactions, a portion of a real account number is encrypted. The encrypted portion of the account number is used to generate a new account number, a new expiration date, and a new verification value. This information can be determined using processor that may reside in a point of sale terminal, a smart card, or a computer operated by a user. The new account number, the new expiration date, and the new verification value can be used in a payment transaction. A server computer in a central payment processing network may determine that the new account information is not the real account information, and may subsequently generate a modified authorization request message using the real account information and may send it to an issuer for approval. The transmission of data is more secure, since real account information is not sent from the merchant to the payment processing network.

PATENT: Methods and systems for processing electronic transactions and managing vehicle costs; US 10,140,599 B2; 11/27/2018; CPC G06Q 20/10; 19 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: A computer-implemented method for performing an electronic transaction using a payment computer coupled to a database is provided. The transaction includes an item purchased in association with a vehicle and initiated by a cardholder with a merchant.

PATENT: Direct personal mobile device user to service provider secure transaction channel; US 10,140,606 B2; 11/27/2018; CPC G06Q 20/3227; 2 claims; assigned to MasterCard Mobile Transactions Solution, Inc.

ABSTRACT: Ensuring security of electronic transactions between a personal mobile device user and a service provider involves establishing trust between a user and a transaction service provider, authenticating the personal mobile device of the user, establishing a secure communication channel between the user and the service provider, and registering the user with the service provider over the secure communications channel.

PATENT: Mutual mobile authentication using a key management center; US 10,140,607 B2; 11/27/2018; CPC G06Q 20/3227; 18 claims; assigned to Visa International Service Association.

ABSTRACT: A system, method, and server computer configured to authenticate a consumer device. The consumer device is authenticated via a mobile gateway using challenge-response authentication. If the consumer device is successfully authenticated, a secure channel is established between the consumer device and a first entity. The secure channel allows for secure communication between the consumer device and the first entity.

PATENT: Customer token preferences interface; US 10,140,610 B2; 11/27/2018; CPC G06Q 20/363; 10 claims; assigned to Bank of America Corporation.

ABSTRACT: Embodiments are directed to token management. Embodiments initiate presentation of a digital wallet management interface including initiating presentation of a digital wallet; initiating presentation of an original token associated with the digital wallet; initiating presentation of a toggle switch comprising a first position and a second position and associated with the original token and configured for graphical manipulation by the user between the first position and the second position, wherein the first position corresponds to the original token being available for use as a payment credential; and where the second position corresponds to the original token being unavailable for use as a payment credential.

PATENT: Systems and methods for converting account portfolios from one processing network to another; US 10,140,613 B2; 11/27/2018; CPC G06Q 20/401; 20 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: Methods and systems for translating account data from a converted account portfolio during a transaction initiated by a cardholder using a payment card are provided. The method may be implemented using a translation service computing device. The method includes storing first account data in a memory along with a corresponding translation identifier, the first account data associated with a first payment processing network (PPN), and receiving, at the TS computing device, an authorization request message.

PATENT: User authentication method and device for credentials back-up service to mobile devices; US 10,140,614 B2; 11/27/2018; CPC G06Q 20/4014; 20 claims; assigned to MasterCard International Incorporated.

ABSTRACT: Back-up credentials data is stored for a user. A communication channel is established with a mobile device. A cryptogram is received from the mobile device, such that the cryptogram is relayed by the mobile device from an authentication device that interacted with the mobile device. The authentication device is associated with the user. The cryptogram is verified. In response to the verification of the cryptogram, the stored back-up credentials data is made accessible to the mobile device.

PATENT: Secure mobile device credential provisioning using risk decision non-overrides; US 10,140,615 B2; 11/27/2018; CPC G06Q 20/4016; 20 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: Embodiments are directed to optimizing the secure provisioning of credentials to mobile devices through use of risk decision non-overrides. In some embodiments, a service provider receives a request from a wallet provider to provision a credential associated with an account to a mobile device. The request includes a first risk level associated with the provisioning. The service provider receives a second risk level associated with the provisioning request from an issuer of the account. Based upon determining that a non-override condition exists, the service provider uses the first risk level from the wallet provider and accordingly causes a user authentication to occur.

PATENT: Risk assessment rule set application for fraud prevention; US 10,140,616 B2; 11/27/2018; CPC G06Q 20/4016; 19 claims; assigned to Visa International Service Association.

ABSTRACT: Rules, applied to deny authorization of likely fraudulent transactions, are derived from a modified Patient Rule Induction Method algorithm that uses a target variable and a data set of past transactions each associated with a plurality of input variables and a hyper-rectangle enclosing a multi-dimensional space defined by a representation of the input variable values as points within the multi-dimensional space. While a count of the points within the hyper-rectangle is greater than a minimum support parameter, a first plurality of points proximal to edges of the hyper-rectangle are removed, where each such removing maximizes a mean value of the target variable, and then, while the mean value remains maximized, a second plurality of points proximal to the edges is added, where each adding maximizes or maintains the mean value. The hyper-rectangle is bounded within a minimum bounding box that defines the rules.

PATENT: System and methods for providing financial account information over a network; US 10,140,634 B2; 11/27/2018; CPC G06Q 30/0282; 16 claims; assigned to Capital One Services, LLC.

ABSTRACT: A system and method for providing financial account messages to customers while accessing web sites is disclosed. Methods, systems and articles of manufacture consistent with the present invention enable a financial account issuer to provide an application to customer's computer system over a network. The application may be configured to provide various messages associated with the customer's financial account provided by the financial account issuer while the customer browses web sites. The financial account messages may be configured to provide interactive and dynamically changing account status information based on attempted purchases of goods and/or services by the customer at merchants' web sites. The application may also be configured to provide rating information associated with web sites accessed by the customer.

PATENT: Client centric viewer; US 10,140,650 B2; 11/27/2018; CPC G06Q 30/0641; 10 claims; assigned to Bank of America Corporation.

ABSTRACT: A client viewer computing system may be configured to scan a plurality of business application computing systems that correspond to products and/or services provided by a business organization. The client view computing system may receive a customer identifier from an employee and, in response to the customer identifier, obtain information corresponding to the customer's interactions with the plurality of products and/or services offered by the business organization. Based on one or more customer attributes, the client viewer computing system may identify one or more products and/or services the customer for which the customer qualifies and display the identified opportunities on a customer centric viewer user interface.

PATENT: Confidential block trading system and method; US 10,140,656 B2; 11/27/2018; CPC G06Q 40/00; 7 claims; assigned to ITG Software Solutions, Inc.

ABSTRACT: Methods and systems for facilitating trading of securities, preferred methods comprising receiving a first buy or sell order from a first user; calculating a block price range; determining that said first order is reasonably priced; transmitting to a second user a notification that a reasonably priced order is present, but without notifying said second user of the side; receiving a second order from said second user, wherein said second order is a contra to said first order and nearly matches but does not cross said first order; transmitting a contra order notification to said second user after said second order is received, said contra order notification indicating that a nearly matching contra order is active; receiving a third order from said second user, said third order being a contra to said first order and crossing said first order; and executing a trade comprising said first order and said third order.

PATENT: Transaction processor for clearing interest rate swaps with improved efficiency; US 10,140,659 B2; 11/27/2018; CPC G06Q 40/04; 32 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT: The disclosed embodiments relate to improving the efficiency of an electronic trading system for interest rate swaps ("IRS") by allowing for IRS contracts to be funded in a base currency while the cash flows, e.g. coupon payments, price alignment interest, variation margin, are denominated in a local currency different from the base currency. Thereby cash flows may be netted and offset minimizing the magnitude of funds needed to be moved and reducing the number of transactions processed by the electronic trading system as well as the consumption of computational resources thereby. Furthermore, the disclosed embodiments facilitate entering into IRS transactions is a currency different from the currency of cash flows while eliminating Herstatt risk due to volatility of foreign exchange rates, which allows for increased off shore participation and thereby increased transaction volume.

PATENT: Method and system for performing a financial transaction using a user interface; US 10,134,017 B1; 11/20/2018; CPC G06Q 20/108; 21 claims; assigned to Capital One Services, LLC.

ABSTRACT: A system and method for performing a financial transaction by determining a master account number associated with one or more accounts that a user may access, providing data to generate a user interface displaying a list of the accounts and an indicator associated with a financial transaction, receiving indicator information associating the indicator with one or more of the accounts, receiving terms for the financial transaction, and performing the financial transaction. The list of accounts may be expanded to view account information.

PATENT: Transaction decisioning by an automated device; US 10,134,019 B2; 11/20/2018; CPC G06Q 20/1085; 17 claims; assigned to Bank of America Corporation.

ABSTRACT: Methods, systems, and computer-readable media for determining whether a check may be cashed at an automated teller machine (ATM) are provided. A user may request to cash a check at an ATM and check image data may be transmitted to a return deposit item computing platform. The computing platform may identify an account number of the account on which the check is drawn. Transaction data associated with the account may be retrieved by the computing platform and a number of occurrences of returned deposit items may be identified. The number of occurrences may be used to determine whether the check should be cashed.

Frip: Computer say No. You be deadbeat.

PATENT: Adding supplemental data to data signals to enhance location determination; US 10,134,020 B2; 11/20/2018; CPC G06Q 20/1085; 20 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A data signal enhancement device for adding supplemental location data to a data signal to enhance location determination is described. Additionally, a method and a computer-readable storage medium for adding supplemental location data to a data signal to enhance location determination is described.

PATENT: Transaction terminals for automated billing; US 10,134,022 B1; 11/20/2018; CPC G06Q 20/209; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: A device may receive receipt information associated with items in an order. The receipt information may include item identifiers and price descriptors associated with the items in the order. The device may receive product information associated with the items in the order. The product information may include product identifiers based on images of the items in the order and object descriptors. The device may map a first item identifier for a first item in the order and a first product identifier for determining that the first item corresponds to a first price descriptor and a first object descriptor.

PATENT: System and method for division and management of expenses; US 10,134,023 B2; 11/20/2018; CPC G06Q 20/227; 26 claims; assigned to JPMorgan Chase Bank, N.A.

SUMMARY: Embodiments of the invention are related to systems and methods for facilitating management of expenses through capture and utilization of information traditionally provided on paper point-of-sale (POS) receipts.

PATENT: Check cashing with a mobile phone; US 10,134,024 B2; 11/20/2018; CPC G06Q 20/3223; 20 claims; assigned to Diebold Nixdorf, Incorporated.

ABSTRACT: This invention relates to automated banking machines that are actuated responsive to indicia on cards carried by users. The example automated banking machine is used in a system that enables a user to cash a check at an automated banking machine.

PATENT: Wearable device for event access, payment for offline transactions at the event, and visual light display; US 10,134,026 B1; 11/20/2018; CPC G06Q 20/3278; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: A wearable device receives ticket information for an event and information indicating a quantity of funds allocated from an account, associated with a user of a user device, to the wearable device, and stores the ticket information and the information indicating the quantity of funds. The wearable device utilizes a wireless component to pair the wearable device and the user device, and provides, to the user device and via the wireless component, the ticket information and information indicating access privileges for the event.

PATENT: Customer token preferences interface; US 10,134,030 B2; 11/20/2018; CPC G06Q 20/363; 6 claims; assigned to Bank of America Corporation.

ABSTRACT: Embodiments are directed to token management. Embodiments initiate presentation of a digital wallet management interface including initiating presentation of a digital wallet; initiating presentation of an original token associated with the digital wallet; initiating presentation of a toggle switch comprising a first position and a second position and associated with the original token and configured for graphical manipulation by the user between the first position and the second position, wherein the first position corresponds to the original token being available for use as a payment credential; and where the second position corresponds to the original token being unavailable for use as a payment credential.

PATENT: Terminal data encryption; US 10,134,034 B2; 11/20/2018; CPC G06Q 20/3829; 13 claims; assigned to Visa U.S.A. Inc.

ABSTRACT: A method is disclosed. The method includes generating an initial key after interacting with an access device, storing the initial key at a key storage location, altering the initial key with a public key to form an altered key, and sending the altered key to a server computer along with an identifier for the access device. The altered key is changed to the initial key at the server computer and is stored with the identifier in a database in operative communication with the server computer. The initial keys that are stored at the key storage location and in the database are used to alter and restore transaction data associated with multiple financial transactions that are conducted using the access device.

PATENT: Speech transaction processing; US 10,134,039 B2; 11/20/2018; CPC G06Q 20/40145; 20 claims; assigned to Visa International Service Association.

ABSTRACT: Embodiments of the invention are directed to systems and methods for speech transaction processing. A location of a device associated with a user may be determined. A reference to a voice model associated with the user stored within a database may be retrieved, based at least in part on the location. A voice segment may be received from the user. Using the reference, the voice segment may be compared to the voice model stored within the database. A determination may be made whether the user is authenticated for the transaction based on the comparing step.

PATENT: Systems and methods for large-scale testing activities discovery; US 10,134,040 B2; 11/20/2018; CPC G06Q 20/4016; 17 claims; assigned to Visa International Service Association.

ABSTRACT: Embodiments of the invention relate in part to determining a testing model and providing a testing transaction score for transactions. The testing transaction score may indicate a likelihood that the transaction is a testing transaction. One embodiment of the invention discloses a method comprising receiving a first authorization message for a first transaction using an account, determining a testing transaction score for the first transaction using a testing model, and determining that the first transaction is a testing transaction based on the testing transaction score, wherein the testing transaction score for the first transaction is used for declining a second transaction using the same account conducted after the first transaction.

PATENT: Contextualized user recapture system; US 10,134,070 B2; 11/20/2018; CPC G06Q 30/0613; 20 claims; assigned to Bank of America Corporation.

ABSTRACT: Systems are provided for providing contextualized user recapture solutions. A user interaction contextualization system may receive a notification of a user accessing one of the organization's services via a user device. Responsive to the notification, the user interaction contextualization system may collect and analyze contextual data from various data sources, and real-time and historical user engagement data associated with the user. The user interaction contextualization system may then use the collected data to determine the user's likelihood of abandonment of the organization's services. Based on the likelihood of abandonment, the user interaction contextualization system may initiate one or more user recapture solutions.

PATENT: Single order multiple payment processing; US 10,134,081 B2; 11/20/2018; CPC G06Q 30/0637; 20 claims; assigned to Visa International Service Association.

ABSTRACT: A method and system for providing multiple authorization request messages for multiple products offered by respectively different merchants in a single order are disclosed. If one of the authorization request messages is declined, then an order interrupt message may be sent to the consumer. In order interrupt message may indicate that the single order is canceled, even though authorization request messages for the purchase of other products in the order are approved.

PATENT: Augmented reality systems for facilitating a purchasing process at a merchant location; US 10,134,084 B1; 11/20/2018; CPC G06Q 30/0643; 18 claims; assigned to Capital One Services, LLC.

ABSTRACT: A method of facilitating an augmented reality experience to purchase an item at a merchant location may be provided. The method may include storing profile data, receiving location data and environmental data from a computing device associated with the stored profile data. Upon determining that the user device has entered a predefined merchant location, the method may include initiating a sequence of augmented reality modes including at least a first augmented reality mode associated with the selection of an item and a second augmented reality mode associated with the payment of the item. The user device may display virtual content in association with each mode, and upon detecting predetermined user inputs such as gestures, fixed gazes, or moving through thresholds, the system may enable the selection and payment of one or more items by sending a purchase request to a merchant terminal.

PATENT: Systems and methods for providing seller-initiated financing in private sales; US 10,134,088 B2; 11/20/2018; CPC G06Q 40/025; 20 claims; assigned to Capital One Financial Corporation.

ABSTRACT: Methods and systems are disclosed for providing seller-initiated financing in a sale of an item between private parties. A financial service system configures a financing program to give sellers the opportunity to offer prospective buyers financing directly. The financial service system enrolls a given seller in the program, providing resources and services to the seller to help market the sale and select a credit-worthy buyer. Once the transaction is completed, the financial service system transfers proceeds to the seller, then configures a loan account and payment plan for the buyer.

PATENT: Method and apparatus for message flow and transaction queue management; US 10,134,089 B2; 11/20/2018; CPC G06Q 40/04; 10 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: Management of transaction message flow utilizing a transaction message queue. The system and method are for use in financial transaction messaging systems. The system is designed to enable an administrator to monitor, distribute, control and receive alerts on the use and status of limited network and exchange resources. Users are grouped in a hierarchical manner, preferably including user level and group level, as well as possible additional levels such as account, tradable object, membership, and gateway levels. The message thresholds may be specified for each level to ensure that transmission of a given transaction does not exceed the number of messages permitted for the user, group, account, etc.

PATENT: System for temporarily suspending a workflow associated with a work item; US 10,127,509 B2; 11/13/2018; CPC G06Q 10/06316; 20 claims; assigned to Bank of America Corporation.

ABSTRACT: Embodiments of the invention are directed to systems, methods, and computer program products for temporarily suspending a workflow associated with a work item. The system is configured to establish a communicable link with a queue to retrieve a first work item. The system is configured to receive a notification from a first device, where the notification comprises a second work item. The system temporarily suspends the first work item and the work flow associated with the first work item, in response to receiving the second work item from the first device. Once the system determines execution of a user action associated with the second work item, it restores the suspended first work item and the one or more suspended sessions associated with the first work item.

PATENT: Transaction systems, and related methods; US 10,127,534 B2; 11/13/2018; CPC G06Q 20/105; 17 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A portable device configured to enable completion of transactions. The portable device comprises an input mechanism arranged to enable input of an identifier into the portable device, and a selection mechanism arranged to enable the user to select a payment mechanism to be associated with the identifier. The portable device further comprises a communication module arranged to transmit data relating to the identifier and the payment mechanism selection to a remote server. Completion of a subsequent transaction relating to the identifier is enabled using the selected payment mechanism.

PATENT: Method of and system for authorizing purchases made over a computer network; US 10,127,535 B2; 11/13/2018; CPC G06Q 20/12; 21 claims; assigned to MasterCard International Incorporated.

SUMMARY: The present invention generally relates to a method of and system for authorizing purchases made over a computer network and, more particularly, to a method of and system for authorizing purchases of goods and services over the Internet or other non-secure computer network using an automated-teller-machine (ATM) card, debit card or any other card or account identifier which may require a valid personal-identification-number (PIN) or other authentication token for transaction authorization.

PATENT: System and method for a mobile wallet; US 10,127,537 B1; 11/13/2018; CPC G06Q 20/20; 15 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: A system for payment processing using a mobile device configured to generate a unique code associated with a transaction to pay a recipient. The system further comprises mobile wallet account processing logic configured to receive the unique code and payment receipt options from a recipient. The mobile wallet account processing logic is further configured to transmit funds using an ACH network to the recipient.

PATENT: System for tokenization and token selection associated with wearable device transactions; US 10,127,539 B2; 11/13/2018; CPC G06Q 20/206; 20 claims; assigned to Bank of America Corporation.

ABSTRACT: Embodiments of the invention are directed to systems, methods, and computer program products for tokenization and token selection associated with wearable device transactions. The system is configured to receive an indication that a user is in possession of the wearable device; authenticate the wearable device; receive an indication from the user to execute a transaction; determine that the user continues to remain in possession of the wearable device; and complete execution of the transaction; initiate execution of the transaction using the first token received from the user; determine a second token based on at least the transaction information and the one or more limits associated with the second token; swapping the first token with the second token; and execute the transaction using one or more financial institution accounts of the user associated with the second token.

Frip: So, what’s a token?

PATENT: Systems and methods for communicating with a magnetic reader head; US 10,127,543 B2; 11/13/2018; CPC G06Q 20/322; 33 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A device and method for waveform transmission of transaction card data to a merchant point-of-sale device are provided. The device includes a memory device for storing data, a processor, and a transmitter. The device is programmed to receive transaction card data that mimics data stored within a magnetic stripe associated with a transaction card, convert the transaction card data to a first data file for storage within the memory device, transmit the first data file to the transmitter, and transmit a first waveform from the transmitter to the POS device, wherein the first waveform includes changes in a magnetic field that represent the transaction card data.

PATENT: Methods and systems for displaying account information; US 10,127,545 B2; 11/13/2018; CPC G06Q 20/327; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT: Systems and methods are provided for displaying account information. The systems and methods may include a portable smart display device in short-range communication with a mobile device. The smart display device may be configured to provide a user with quick and easy yet secure access to account information, without the need for multi-step login and verification processes. The smart display device may be sized to fit within a wallet and within quick, easy reach of a user. The smart display device may receive up-to-date account information from the mobile device, and display the account information on-demand upon detecting an activation event, thereby providing an enjoyable user experience and a useful tool for quickly informing the user of their financial situation.

PATENT: System for modeling and implementing event-responsive resource allocation structures; US 10,127,551 B2; 11/13/2018; CPC G06Q 20/3825; 20 claims; assigned to Bank of America Corporation.

ABSTRACT: Embodiments of the invention are directed to systems, methods, and computer program products for implementing a change in a parameter associated with an event-responsive resource allocation structure, such as a named beneficiary, and predicting that the current parameters of an event-responsive resource allocation structure a unlikely to be congruent with a user's desired configuration of the parameters of the event-responsive resource allocation structure.

PATENT: Cryptocurrency aggregation system; US 10,127,552 B2; 11/13/2018; CPC G06Q 20/3829; 20 claims; assigned to Bank of America Corporation.

ABSTRACT: A system includes a memory and a processor. The memory may store a customer account associated with a customer and an enterprise account associated with an enterprise. The processor may be communicatively coupled to the memory and may cause the system to receive a request to deposit a first amount of a cryptocurrency in the customer account from the customer. The processor may also cause the system to determine a public key associated with the customer account and receive the first amount of the cryptocurrency. The processor may further cause the system to determine a first value approximately equivalent to the first amount of cryptocurrency and associate the first value with the customer account. The processor is further able to aggregate the first amount of cryptocurrency with an aggregated amount of the cryptocurrency in the enterprise account and facilitate securing the public key in the enterprise account.

PATENT: Fraud early warning system and method; US 10,127,554 B2; 11/13/2018; CPC G06Q 20/4016; 13 claims; assigned to Citibank, N.A.

ABSTRACT: A fraud early warning system and method for monitoring transactional behavior of an account holder and evaluating that behavior by comparing it to biographical data and/or the past behavior of the account holder. The system and method is applicable to real-time wire transfers, online transactions, automated teller machine transactions, point-of-sale transactions, etc.

PATENT: Systems and methods for suggesting financial account cards stored on a wireless device; US 10,127,571 B2; 11/13/2018; CPC G06Q 30/0226; 17 claims; assigned to Capital One Services, LLC.

ABSTRACT: A wireless device is enabled to process a transaction. In one implementation, the wireless device receives card data for a plurality of financial account cards and stores the card data in memory associated with the wireless device. The wireless device determines merchant information for the transaction and determines rewards benefit information for at least some of the plurality of financial account cards. The wireless device provides a suggestion of at least one of the plurality of financial account cards to use in the transaction based on the determined rewards benefit information.

PATENT: Method and system for matching purchase transaction history to real-time location information; US 10,127,578 B2; 11/13/2018; CPC G06Q 30/0261; 18 claims; assigned to Capital One Services, LLC.

ABSTRACT: Embodiments are described for a system and method for providing a list of current offers from retailers to a user operating a mobile client device. Aspects of the method comprise analyzing a transaction history of the user to identify a vendor who has transacted with the user; determining a present geographic location of the user based on a location of the mobile client device; determining a location of the vendor proximate the user based on the transaction history and the present geographic location of the user; searching for a current promotion offered by the vendor; and facilitating the serving of the current promotion to the user through the mobile client device.

PATENT: System and methods for providing financial account information over a network; US 10,127,584 B2; 11/13/2018; CPC G06Q 30/0282; 18 claims; assigned to Capital One Financial Corporation.

ABSTRACT EXCERPT: A system and method for providing financial account messages to customers while accessing web sites is disclosed. Methods, systems and articles of manufacture consistent with the present invention enable a financial account issuer to provide an application to customer's computer system over a network. The application may be configured to provide various messages associated with the customer's financial account provided by the financial account issuer while the customer browses web sites.

PATENT: System and method for assembling a shared shopping cart; US 10,127,599 B2; 11/13/2018; CPC G06Q 30/0633; 9 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A system and a method are provided for assembling, and publishing, a persistent cart of products online. The cart can have products from a single vendor or a variety of different vendors. When the cart is published, various deals, discounts, and incentives can be offered. An individual who created the cart can be rewarded. A computer readable non-transitory storage medium stores instructions of a computer program that when executed facilitates creation of the cart of items to be purchased and selects the individual or group of individuals to whom the cart is published. The purchasing of a cart does not eliminate the availability of the cart for subsequent users.

PATENT: Risk-based reference pool capital reducing systems and methods; US 10,127,610 B1; 11/13/2018; CPC G06Q 40/025; 20 claims; assigned to Freddie Mac (Federal Home Loan Mortgage Corporation).

ABSTRACT: Embodiments consistent with the present invention provide a credit enhancement structure for risk allocation between parties that minimizes the regulatory capital reserve requirement impact to an institution subject to capital reserve requirement. A subject pool of assets held by the institution, such as a pool of loans, is rated to determine its risk levels. Based on the rated risk levels, a guarantor party agrees to be responsible for a portion of the risk associated with the pool of assets, which may define the maximum risk exposure of the institution holding the asset pool. The risk-rated capital reserve requirements are applied to the asset pool based on the risk level rating and the guarantor's agreed upon risk responsibility such that the institution holds a reduced amount of reserve capital compared to what it would otherwise be required to hold.

PATENT: System, method, and computer-readable medium for improving the efficiency and stability of financial markets; US 10,127,612 B2; 11/13/2018; CPC G06Q 40/04; 17 claims; assigned to Tamer Trading Technologies LLC.

ABSTRACT: A method to assist in the operation of a financial market. The method including receiving one or more transaction messages, where the one or more transaction messages include one or more orders or order commitments to be executed on the financial market; imposing one or more delays on the one or more orders or order commitments using a delay algorithm; processing the one or more order or order commitments by opening the one or more transaction messages after the one or more delays; matching the opened orders or order commitments; and executing the matched orders or order commitments.

PATENT: Investment evaluator; US 10,127,614 B1; 11/13/2018; CPC G06Q 40/06; 22 claims.

ABSTRACT: A system, method and software are disclosed for evaluating investments. In one example, managed trust investments are analyzed with respect to one or more indexes. An indication is created of how the managed investment compares to the one or more indexes or their own benchmarks, and suggested changes to the managed investment may be presented.

PATENT: System and method for delaying an executable instruction that would otherwise be executable immediately upon arrival at an executing system; US 10,127,615 B1; 11/13/2018; CPC G06Q 40/06; 13 claims; assigned to Chicago Stock Exchange, Inc.

ABSTRACT EXCERPT: A system and method are provided for intentionally delaying an execution of an executable instruction by determining if a current executable instruction is received from a predefined source for which all executable instructions are to be intentionally delayed. When so, the system sets a sequence time associated with the instruction equal to a receipt time plus a delay time.

PATENT: Automated device assistance; US 10,121,125 B2; 11/6/2018; CPC G06Q 10/20; 19 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: A user may perform activities at an automated device having various technical features, such as a display, a printer, a camera, a microphone, a speaker, and other features used to perform activities at the automated device. During performance of an activity, the user may run into an issue and request assistance from an agent having a computing device (e.g., a portable computing device). Additionally or alternatively, the automated device may detect the issue and send a request for assistance to a computing device managing a transaction assistance portal or directly to the agent's computing device.

PATENT: Automated financial transactions; US 10,121,128 B2; 11/6/2018; CPC G06Q 20/1085; 20 claims; assigned to IBM.

ABSTRACT: Arrangements relate to processing financial transactions on an automated teller machine (ATM). An ATM identifier can be presented on a display of the ATM. An ATM identifier confirmation can be received from a mobile computing device. Responsive to determining that the ATM identifier confirmation matches the identifier presented on the display of the ATM, a customer authentication or a transaction request can be received from the mobile computing device. Responsive to verifying the customer authentication or the transaction request, the transaction request can be processed.

PATENT: Electronic wallet checkout platform apparatuses, methods and systems; US 10,121,129 B2; 11/6/2018; CPC G06Q 20/12; 19 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: The ELECTRONIC WALLET CHECKOUT PLATFORM APPARATUSES, METHODS AND SYSTEMS (EWCP) transform customer purchase requests triggering electronic wallet applications via EWCP components into electronic purchase confirmation and receipts.

PATENT: System and method for providing third party payments with non-integrated merchants; US 10,121,130 B2; 11/6/2018; CPC G06Q 20/12; 18 claims; assigned to Capital One Financial Corporation.

ABSTRACT: A system and method in accordance with example embodiments may include third party payments with non-integrated merchants. A system and method in accordance with example embodiments may utilize a plug in or application to intercept retailer data from a third party, analyze data, and present information to a customer based on the intercepted data and the analysis.

PATENT: Change on card method and apparatus; US 10,121,131 B2; 11/6/2018; CPC G06Q 20/18; 18 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A system, method, and computer-readable storage medium configured to enable intelligent management and implementation of travel policies, elite cardholder benefits, or vendor offers related to expenses incurred on a payment card.

PATENT: Direct user to ticketing service provider secure transaction channel; US 10,121,139 B2; 11/6/2018; CPC G06Q 20/10; 5 claims; assigned to MasterCard Mobile Transactions Solutions, Inc.

ABSTRACT: Ensuring security of electronic transactions between a user and a ticketing service provider involves establishing trust between a user and a transaction service provider, authenticating an electronic transaction facility of the user, establishing a secure communication channel between the user and the ticketing service provider, and registering the user with the ticketing service provider over the secure communications channel.

PATENT: User authentication by token and comparison to visitation pattern; US 10,121,142 B2; 11/6/2018; CPC G06Q 20/3821; 15 claims; assigned to Bank of America Corporation.

ABSTRACT: Embodiments are directed to receiving a token from a wearable device carried by a customer, the token for user authentication based on a visitation pattern of the customer. Embodiments include receive, from the wearable device carried by the customer, the token comprising user authentication information associated with the customer, wherein receiving the token indicates a current visit of the customer to the financial institution location; access, based at least in part on the user authentication information, a visitation history from a customer profile associated with the customer; determine, based at least in part on the visitation history, whether the current visit falls within a recognized visitation pattern; and authenticate, based at least in part on the determination, the customer for performing a transaction at the financial institution location.

PATENT: Consumer specific conditional rewards; US 10,121,152 B2; 11/6/2018; CPC G06Q 30/02; 18 claims; assigned to Visa U.S.A. Inc.

ABSTRACT: A set of conditional rewards are associated with a consumer. Thereafter, notice of a reward is given for each of the consumer's transactions upon one of the consumer's accounts that satisfies one of the conditional rewards in the set. The set may be selected by the consumer, or by the issuer such as when the issuer uses a transaction history of purchases made on the consumer's account to determine the set of conditional rewards that would match a past purchasing trend of the consumer. A Globally Unique Identifier, unique within a plurality of transaction processing systems, can be associated with the consumer and used to match the transactions to a corresponding conditional reward.

PATENT: System and method of sharing an augmented environment with a companion; US 10,121,190 B2; 11/6/2018; CPC G06Q 30/0643; 18 claims; assigned to Capital One Services, LLC.

ABSTRACT: A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method for providing an interactive virtual environment. The system may receive environmental data, and augment the environmental data by adding virtual environmental data. The system may then provide this virtual environment to two or more devices. The system can then receive user input, and modify the virtual environment in response to those inputs.

PATENT: Trade action confirmation tool; US 10,121,195 B2; 11/6/2018; CPC G06Q 40/04; 12 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: Systems, methods, and apparatus for confirming trade actions are disclosed. An example method includes displaying a trade action cell corresponding with a trade action, receiving an initiation command, determining that the trade action was initiated based on the initiation command, receiving a confirmation command, wherein the confirmation command is a selection of the same trade action cell, and executing the trade action based on reception of the confirmation command.

PATENT: Offload processing of data packets containing financial market data; US 10,121,196 B2; 11/6/2018; CPC G06Q 40/04; 52 claims; assigned to IP Reservoir, LLC.

ABSTRACT: Various techniques are disclosed for offloading the processing of data packets that contain financial market data. For example, incoming data packets can be processed through an offload processor to generate a new stream of outgoing data packets that organize financial market data in a manner different than the incoming data packets. Furthermore, in an exemplary embodiment, the offloaded processing can be resident in an intelligent switch, such as an intelligent switch upstream or downstream from an electronic trading platform.

PATENT: Block placing tool for building a user-defined algorithm for electronic trading; US 10,121,197 B2; 11/6/2018; CPC G06Q 40/04; 12 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: Certain embodiments provide a block placing tool for building a user-defined algorithm for electronic trading. Certain embodiments provide for receiving by a block placing tool a selection of one or more blocks. Certain embodiments provide for receiving by a block placing tool a mapping definition including a mapping between block types and/or attributes. Certain embodiments provide for placing blocks based on a selection of blocks and a mapping definition.

PATENT: User interface for an electronic trading system; US 10,121,198 B2; 11/6/2018; CPC G06Q 40/04; 26 claims; assigned to Trading Technologies International, Inc.

ABSTRACT EXCERPT: A user interface for an electronic trading exchange is provided which allows a remote trader to view in real time bid orders, offer orders, and trades for an item, and optionally one or more sources of contextual data. Individual traders place orders on remote client terminals, and this information is routed to a transaction server. The transaction server receives order information from the remote terminals, matches a bid for an item to an offer for an item responsive to the bid corresponding with the offer, and communicates outstanding bid and offer information, and additional information (such as trades and contextual data) back to the client terminals.

PATENT: Distributed trading network and interface; US 10,121,199 B1; 11/6/2018; CPC G06Q 40/04; 24 claims; assigned to CFPH, LLC.

ABSTRACT: A distributed trading platform comprising: a first participant system of a liquidity provider configured to determine a first order that is stored in a first order management system; a central system configured to determine a plurality of second orders based on the first order, an aggression level and market data; and a second participant system of a liquidity taker configured to determine that a contra order is stored in a second order management system, determine a single second order of the plurality of second orders that the liquidity taker is qualified to view based on a third quantity of the contra order, and populate a second trader interface with information soliciting submission of the contra order to the distributed trading platform for matching with the single second order.

PATENT: Method and apparatus for processing uncertain transaction amounts in a payment system; US 10,121,217 B2; 11/6/2018; CPC G06Q 20/22; 25 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: A first acquirers receives, via a payment network configured to facilitate transactions between multiple issuers and multiple acquirers, an authorization response flagged with a flag. The flag indicates that clearing of a first transaction, associated with the authorization response, is to be suspended. The first transaction initially has an uncertain amount, and is associated with a first payment account, of a first user, associated with a first issuer. Subsequent determination of a final certain amount for the first transaction is awaited. Upon determination of the final certain amount, the first one of the acquirers proceeds with clearing the first transaction, based on the final certain amount.

PATENT: Monitoring module usage in a data processing system; US 10,115,081 B2; 10/30/2018; CPC G06Q 20/027; 15 claims; assigned to Bank of America Corporation.

ABSTRACT: Entities typically receive large volumes of documents from vendors, customers, or employees on any given day. Each document, especially if it is a financial instrument, is often reconciled with a batch of similar financial instruments for further processing. A financial instrument processing system may include many nodes or modules that are used to process a financial instrument including determining whether the instrument is an exception, which may mean the financial instrument includes an ambiguity or otherwise contains a problem needing remediation action.

Frip: My nodes itch.

PATENT: Camera activation and image processing for transaction verification; US 10,115,083 B1; 10/30/2018; CPC G06Q 20/0453; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT: A device may receive first information related to a transaction. The device may identify a first device from which to receive an image of a receipt related to the transaction. The device may provide, to the first device, a notification to cause the first device to perform a set of actions including activating a camera associated with the first device to capture the image of the receipt, or providing, for display, an instruction related to capturing the image of the receipt associated with the transaction. The device may receive, from the first device, the image of the receipt. The device may process the image of the receipt to perform an analysis of the transaction. The device may perform an action related to the transaction based on a result of processing the image of the receipt.

PATENT: Event-triggered business-to-business electronic payment processing apparatuses, methods and systems; US 10,115,087 B2; 10/30/2018; CPC G06Q 20/10; 20 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: The Event-Triggered Business-To-Business Electronic Payment Processing Apparatuses, Methods And Systems (hereinafter "B2B-PAY") provides a business-to-business payment platform which facilitates business to business payment triggered by a user event, and transforms purchase item information inputs or purchase receipt inputs via B2B-PAY components into restricted-use account payment settlement outputs.

PATENT: Over the air management of payment application installed in mobile device; US 10,115,099 B2; 10/30/2018; CPC G06Q 20/3227; 13 claims; assigned to Visa International Service Association.

ABSTRACT: Systems, apparatus, and methods for managing an application installed on a mobile device, such as a mobile phone are provided, so as to prevent or limit unauthorized use of the application, for example, when the mobile device is lost, stolen, or otherwise subject to unauthorized use. A request to enable or disable user access to a function of the application can be received by a server computer. A command message responsive to the request can be generated by the server computer, the command message comprising control data for enabling or disabling user access to the function of the application. The generated command message can be transmitted to the mobile device over a wireless network.

PATENT: Over the air management of payment application installed in mobile device; US 10,115,100 B2; 10/30/2018; CPC G06Q 20/3227; 12 claims; assigned to Visa International Service Association.

ABSTRACT: Systems, apparatus, and methods for managing an application installed on a mobile device, such as a mobile phone are provided, so as to prevent or limit unauthorized use of the application, for example, when the mobile device is lost, stolen, or otherwise subject to unauthorized use. An input indicative of a password to access the application can be received. It may be determined that a predetermined number of password entry attempts has been reached based on the input. A request message to disable access to the application can be transmitted from the mobile device to a remote computer. One or more lock instructions for disabling access to the application can be received by the mobile device from the remote computer. The one or more lock instructions can be executed by the mobile device by modifying control data within a secure memory of the mobile device.

PATENT: Mobile secure element based shared cardholder verification; US 10,115,103 B2; 10/30/2018; CPC G06Q 20/3672; 20 claims; assigned to Mastercard International Incorporated.

ABSTRACT: In a payment-enabled smartphone, a shared cardholder verification method (CVM) applet serves a number of mobile payment cardlets. The shared CVM applet validates CVM information input by a user of the smartphone and in response issues a CVM token. The CVM token is passed to a particular one of the mobile payment cardlets that is selected for a current transaction. The selected mobile payment cardlet submits the CVM token back to the shared CVM applet for verification. Upon verifying the CVM token, the shared CVM applet enables the selected mobile payment cardlet to perform the current transaction.

PATENT: Systems and methods for generating and managing dynamic customized electronic tokens for electronic device interaction; US 10,115,104 B2; 10/30/2018; CPC G06Q 20/3672; 19 claims; assigned to Capital One Services, LLC.

ABSTRACT: Systems and methods are provided for generating and managing dynamic customized electronic tokens for electronic device interactions. A system for transferring data between a user device associated with a user and a remote device may include a memory storing instructions and a processor configured to execute the stored instructions. The stored instructions may configure the processor to receive, via a network, transaction information from the remote device, access information associated with an electronic token, and provide the electronic token to the remote device. The electronic token may be associated with at least one of the user or the user device, and a token server may generate the electronic token based on the received transaction information, and determine one or more expiration parameters for the electronic token.

PATENT: Transaction evaluation for providing rewards; US 10,115,112 B2; 10/30/2018; CPC G06Q 30/02; 13 claims; assigned to Visa U.S.A. Inc.

SUMMARY: A loyalty program exchanges an amount of loyalty program currency for a reward to a consumer for use of a consumer payment device to conduct a transaction. The consumer pre-selects: (i) the reward that is to be added to their consumer payment device; (ii) the transaction that is to be conducted with their consumer payment device; and (iii) the amount of the loyalty program currency that is to be exchanged for the reward that the consumer has pre-selected. The currency of the loyalty program can be earned, and later exchanged for the pre-selected rewards, by the consumer's use of their consumer payment device for the pre-selected transaction.

PATENT: System and method for providing workup trading; US 10,115,156 B1; 10/30/2018; CPC G06Q 40/04; 7 claims; assigned to NEX Services North America LLC.

ABSTRACT: A trading system matches a passive order to buy or sell an item at a price with an aggressive order to hit or lift the item at that price. A workup is initiated during which other parties can submit additional orders at the passive order price. A further order may be submitted during workup with a better price. If the amount at the better price equals or exceeds a threshold value and it can be traded at the better price, the workup is terminated and a new workup initiated at the better price.

PATENT: Exchange for derivative products contingent on odds-based markets; US 10,115,157 B2; 10/30/2018; CPC G06Q 40/04; 28 claims; assigned to Marketmaker Software Limited (IE).

ABSTRACT: A method and system are described for creating an exchange for futures products for odds markets based on binary outcomes. The futures product is based on the value of a particular fixed index or an exchange delivery settlement price in odds form, as recorded or computed at the end of a pre-assigned event or time-horizon. A particular use of this product would be on an exchange for sporting events, where for a given event, an identical interface to that which would currently be available for odds markets is made available, but which would be settled differently from the former, in such a manner as to allow investors to take positions on the movement of the odds without exposure to the final outcome of the event.

PATENT: System and method for dynamically regulating order entry in an electronic trading environment; US 10,115,159 B2; 10/30/2018; CPC G06Q 40/04; 9 claims; assigned to

Trading Technologies International, Inc.

ABSTRACT: A system and method are provided for trading a trading strategy defined for at least one tradeable object in an electronic trading environment. More specifically, one example method includes using a first pay-up tick value to determine a first acceptable price level for an order associated with the trading strategy, automatically modifying the first pay-up tick to a second pay-up tick value in response to detecting a predefined condition, and using the second pay-up tick value to determine a second acceptable price level for the order associated with the trading strategy.

PATENT: Dynamic currency conversion system and method; US 10,115,160 B2; 10/30/2018; CPC G06Q 40/04; 20 claims; assigned to Paymentech, LLC.

ABSTRACT: A system for dynamic currency conversion is provided. The system includes a bank identifier system determining whether currency conversion is available for a card-issuing bank of a presented card, such as by comparing a bank identifier from the card with a list or table of participating banks. An exchange rate system determines whether an exchange rate has expired, such as an exchange rate associated with the foreign currency of the card-issuing bank. The card holder is presented with an option for selecting a foreign currency transaction after it is determined that currency conversion is available for the card-issuing bank and that the exchange rate has not expired, such that the card holder does not need to see such information unless foreign currency processing is available.

PATENT: System and method for account transaction and balance prediction; US 10,115,166 B2; 10/30/2018; CPC G06Q 40/12; 10 claims; assigned to Capital One Services, LLC.

ABSTRACT: A system and a method for account transaction balance prediction for an account held with a financial institution based on past and present account activity. An account balance prediction processor determines a recurring financial transaction based on at least one of: the internal account data, the external account data, and the transaction data. The system calculates a predicted account balance based on the total predicted financial transactions and the predicted income. A transaction monitor receives actual financial transaction data and actual income data, and compares the actual financial transaction data with the predicted financial transaction, and compares the actual income data with the predicted income data. An alert transmitter transmits in real time, an alert. A machine learning processor continuously adjusts calculations of financial transactions and income.

PATENT: Systems and methods for generating a report from stream data; US 10,108,929 B2; 10/23/2018; CPC G06Q 10/10; 20 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A processing device and method for generating data reports from a data stream are provided. The processing device may include an analyzer that may identify a data record by detecting a start record event indicator and an end record event indicator within the data stream, the start and end record event indicators representing a start and an end of the respective data record, an extractor that may extract data of the identified data record from the data stream based on the start record event indicator and the end record event indicator, and a generator configured to generate, based on the event indicator, one or more events, wherein an event handler handles the one or more events to process the data record for inclusion into the data report.

PATENT: Check data lift for online accounts; US 10,108,941 B2; 10/23/2018; CPC G06Q 20/108; 13 claims; assigned to Bank of America Corporation.

ABSTRACT: Embodiments for extracting data for online account includes systems that receive at least one check images, apply one or more optical character recognition processes to at least a portion of the at least one check image, and convert image based data to text based data. The embodiments further identify check data in the text based data, identify online data from the check data, incorporate at least a portion of the online data into a portion of an online account, and provide the online account portion to a customer.

PATENT: Check data lift for online accounts; US 10,108,942 B2; 10/23/2018; CPC G06Q 20/108; 20 claims; assigned to Bank of America Corporation.

ABSTRACT: Embodiments for extracting data for online account includes systems that receive at least one check images, apply one or more optical character recognition processes to at least a portion of the at least one check image, and convert image based data to text based data. The embodiments further identify check data in the text based data, identify online data from the check data, incorporate at least a portion of the online data into a portion of an online account, and provide the online account portion to a customer.

PATENT: System and method for providing a group account; US 10,108,950 B2; 10/23/2018; CPC G06Q 20/29; 6 claims; assigned to Capital One Services, LLC.

SUMMARY: The present disclosure relates to systems and methods for integrating a social network application programming interface to provide a group fund account to pay for purchases that satisfy certain parameters.

PATENT: Customer identification; US 10,108,952 B2; 10/23/2018; CPC G06Q 20/3224; 20 claims; assigned to Bank of America Corporation.

ABSTRACT: Systems, methods, apparatuses, and computer-readable media configured to determine a location of a user, identify the user and provide additional services based on the determined location and/or identity are provided. In some examples, the identity of a customer may be determined based on detection of a signal by a personal computing device of the customer. One or more associate users associated with that customer may be identified and a location of the associate user may be transmitted to the customer user. In other examples, a category of an identified customer may be determined and an associate user equipped to work with that determined category of customer may be identified.

 Frip: Big Bro keeping track.

PATENT: Methods and systems for using physical payment cards in secure E-commerce transactions; US 10,108,956 B2; 10/23/2018; CPC G06Q 20/382; 18 claims; assigned to MasterCard International Incorporated.

ABSTRACT: Methods and systems for conducting a secure online transaction with a payment card are described. In an embodiment, a user selects a secure payment option during an online transaction which is transmitted to a merchant computer. A notification is received from the merchant computer of initiation of a secure transaction process, and then the user computer enters a secure transaction mode of operation and establishes a communication session with a payment provider device. The user computer prompts the user to present a payment card to a card reader device, reads payment card data, creates a request message, transmits the request message to a payment provider computer causing the payment provider computer to provide substitute payment card details to the merchant computer to complete the online payment transaction, and then exits the secure transaction mode.

PATENT: Method and system for using payment history for conducting commercial transactions; US 10,108,955 B2; 10/23/2018; CPC G06Q 20/40; 22 claims; assigned to Visa International Service Association.

ABSTRACT: A method is disclosed. The method includes receiving transaction data relating to a plurality of commercial transactions conducted by a plurality of buyers and sellers conducting commercial transactions using a transaction processing system, and then receiving a request for transaction information relating to the received transaction data from an entity, wherein the transaction information also relates to a commercial transaction between a buyer and a seller. The method further includes providing the transaction information to an entity, wherein the entity thereafter makes a decision about further interacting with the buyer or the seller.

PATENT: Systems and methods for performing ATM fund transfer using active authentication; US 10,108,959 B2; 10/23/2018; CPC G06Q 20/4012; 18 claims; assigned to Capital One Services, LLC.

ABSTRACT: A method of performing a fund transfer at an ATM includes receiving an active authentication transaction key at an ATM from a mobile financial transaction instrument via a wireless communication protocol, generating a PIN at the ATM, and storing the PIN in a machine readable storage medium. An authorization request message is transmitted to a financial institution identified by the active authentication transaction key. The authorization request message includes the PIN and at least a portion of the active authentication transaction key. The PIN is received from a user of the mobile financial transaction instrument, and the funds are dispensed in response to receiving the PIN.

PATENT: System and method for automatically authenticating a caller; US 10,108,966 B2; 10/23/2018; CPC G06Q 30/016; 14 claims; assigned to Capital One Services, LLC.

ABSTRACT: Systems and methods include an input interface that receives registration information including a contact number input into a mobile device of a user, a call interface that transmits a call signal to a call center system, wherein the call signal comprises the call signal contact number that placed a call associated with the call signal and a communication interface that transmits the registration information to a profile database that stores the registration information as a profile for authenticating the mobile device user and identifying information from the mobile device of the user during the call. The call center system includes a call authentication processor that retrieves the user profile, an authentication interface that receives the identifying information, and an authentication processor that compares the identifying information with the user profile, and routes the call on an authenticated call path if the identifying information at least partially matches the user profile.

PATENT: Instant customer service feedback system; US 10,108,991 B2; 10/23/2018; CPC G06Q 30/0282; 18 claims; assigned to Bank of America Corporation.

ABSTRACT: Embodiments of the invention provide instant customer service feedback during a communication session with the customer. The system initiate a video conference communication session between the customer and the business agent that comprises providing a multimedia interface between the agent and the customer that provides the agent and the customer with an audio and video feedback of one another. After initiating the video conference communication session, a customer feedback interface configured to receive feedback from the customer in real-time during the video conference communication session is presented on the display of the customers apparatus such that the system may receive, in real-time, feedback provided by the customer via the customer feedback interface.

PATENT: Generating communicable linkages for a cloud-based competitive proposal system; US 10,108,996 B2; 10/23/2018; CPC G06Q 30/0611; 20 claims; assigned to Bank of America Corporation.

ABSTRACT: Embodiments of the invention are directed to a system, method, or computer program product for generating communicable linkages that collectively provide a cloud-based competitive proposal system. The competitive proposal system generates a user-specific competitive proposal profile containing user preferences, historic trends, and associated resource managers based on information collected from a user and user associated accounts. The competitive proposal system is triggered by the user signaling the system of a proposed transaction. The system requests term change proposals from resource managers that collectively provide a total resource amount required by the merchant to consummate the transaction. The term change proposals are evaluated and ranked by the competitive proposal system before being transmitted as a ranked list to the user device allowing the user to select a preferred term change proposal and complete the transaction.

PATENT: Determination of banding start price for order evaluation; US 10,109,008 B2; 10/23/2018; CPC G06Q 40/04; 11 claims; assigned to Chicago Mercantile Exchange, Inc.

ABSTRACT: A banding start price may be generated using one of multiple subroutines. Each of the subroutines may generate a banding start price using a different algorithm and may have different input data criteria. Each of those subroutines may be ranked based expected accuracy of a price output by the subroutine. The banding start price may be generated by the highest ranking subroutine for which there is input data satisfying relevant criteria.

PATENT: System and method for modeling and verifying financial trading platforms; US 10,109,010 B2; 10/23/2018; CPC G06Q 40/04; 30 claims; assigned to Asthetic Integration Ltd.  (GB).

ABSTRACT: A computer-implemented method assesses operation of a financial computing system (FCS). An assessment computer system generates code for a model of the FCS that comprises a model specification for the FCS and a model environment for the FCS. The code for the model uses a type-system based logical programming language that supports typed recursive functions. The assessment computer system generates mathematical axioms that describe the operation of the FCS by compiling the code for the model and assesses the operation of the financial computer system by analyzing the mathematical axioms.

PATENT: Reverse convertible financial instrument; US 10,109,011 B1; 10/23/2018; CPC G06Q 40/06; 26 claims; assigned to CFPH, LLC.

SUMMARY: Various embodiments of the present invention generally relate to creating, editing, displaying, and managing a financial instrument having debt and equity components.

PATENT: Systems and methods for mobile device-based item acquisition and tracking; US 10,102,497 B2; 10/16/2018; CPC G06Q 10/087; 7 claims.

ABSTRACT EXCERPT: Systems, methods, and computer-readable media are provided for enabling mobile device-based item acquisition and tracking. One exemplary method performed on a mobile device comprises entering a wireless scan mode, detecting a signal from a tag associated with an item in a first area and in proximity to the tag, presenting information associated with the tag, and adding the information to a list. The method further comprises detecting a second tag in a second area, and sending the list to a second device.

PATENT: Method and system for a unified platform and data integration in a group of related companies; US 10,102,515 B2; 10/16/2018; CPC G06Q 20/227; 20 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A method for data integration in a unified platform includes a processing server that is configured to store account profiles for unified transaction and membership accounts, receive authentication requests from multiple entities, receive a transaction message for a payment transaction from another entity, identify an account profile associated with the authentication requests and payment transaction, process the payment transaction, perform authentication for each of the authentication requests, and electronically transmit results of the transaction processing and authentication to the appropriate entities, such that the processing server provides for a unified platform where data is integrated and used at a plurality of different merchants for a plurality of different services for consumer and merchant convenience.

PATENT: Color changing payment card; US 10,102,520 B1; 10/16/2018; CPC G06Q 20/34; 8 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: A method includes receiving, on an electronic payment device, a radio frequency signal from a mobile electronic device. The radio frequency signal is used to control an activation of an electric current to one or more color producing components on the electronic payment device. The electric current is transmitted to the one or more color producing components. The one or more color producing components display a color when the electric current is transmitted to the color producing components.

PATENT: Mobile secure element based shared cardholder verification; US 10,102,523 B2; 10/16/2018; CPC G06Q 20/3672; 20 claims; assigned to MasterCard International Incorporated.

ABSTRACT: In a payment-enabled smartphone, a shared cardholder verification method (CVM) applet serves a number of mobile payment cardlets. The shared CVM applet validates CVM information input by a user of the smartphone and in response issues a CVM token. The CVM token is passed to a particular one of the mobile payment cardlets that is selected for a current transaction. The selected mobile payment cardlet submits the CVM token back to the shared CVM applet for verification. Upon verifying the CVM token, the shared CVM applet enables the selected mobile payment cardlet to perform the current transaction.

PATENT: Access control and mobile security app; US 10,102,524 B2; 10/16/2018; CPC G06Q 20/382; 17 claims; assigned to U.S. Bancorp, National Association.

ABSTRACT: An illustrative apparatus includes a memory, a processor coupled to the memory, and a first set of instructions stored on the memory that can be executed by the processor. The processor is configured to determine authentication data, where the authentication data comprises an indication that a first functionality of a second set of instructions can be controlled and where the second set of instructions is separate from the first set of instructions. The processor is further configured to send to a user interface, an indication of the first functionality. The processor is further configured to receive, through the user interface, a request to control the first functionality of a second set of instructions that is separate from the first set of instructions. The processor is further configured to send an order to control the first functionality of the second set of instructions.

PATENT: Method and system for secure consumer identification; US 10,102,529 B2; 10/16/2018; CPC G06Q 20/4014; 16 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: Methods and systems for receiving an authorization request associated with a transaction, the authorization request including a payment account number and a card verification value; determining the authorization request is to be processed as having a dynamic card verification value; automatically bypassing, in response to the determination that the authorization request is to be processed as having a dynamic card verification value, at least one card verification process to be used in a processing of the authorization request; and sending the authorization request to a card verifier to verify the card verification value matches a dynamic card verification value of record.

PATENT: Card fraud detection utilizing real-time identification of merchant test sites; US 10,102,530 B2; 10/16/2018; CPC G06Q 20/4016; 20 claims; assigned to Fair Isaac Corporation.

SUMMARY: This disclosure relates generally to fraud detection and risk management and, more particularly, to the real-time detection of testing behaviors indicative of card not present (CNP) fraud at a merchant site.

PATENT: Methods, systems and computer readable media for utilizing payment card transaction data to conduct product price comparisons; US 10,102,537 B2; 10/16/2018; CPC G06Q 30/0205; 20 claims; assigned to MasterCard International Incorporated.

ABSTRACT: Methods, systems, and computer readable media for utilizing payment card transaction data to conduct product price comparisons are disclosed. In one example, the method includes receiving product selection information associated with a designated product from a user selection device and receiving geographic location information associated with the user selection device. The method also utilizing the product selection information and the geographic location information to identify merchant entities that have conducted sales transactions of the designated product within an area specified by the geographic location information and providing, to the user selection device, merchant comparison data that includes the identified merchant entities and the sales transaction prices of the designated product.

PATENT: 24 hours global low latency computerized exchange system; US 10,102,572 B2; 10/16/2018; CPC G06Q 40/04; 20 claims; assigned to Nasdaq Technology AB.

ABSTRACT: The present technology relates to distributed computerized exchange systems for trading of financial instruments. In particular it relates to a passive matching engine and an active matching engine that cooperates in handling data messages such that less bandwidth is used and so that improvement in latency can be achieved.

PATENT: System and method for enabling arbitrage between market price and underlying value of exchange-traded fund shares in the absence of full portfolio disclosure using intraday net asset value swaps; US 10,102,573 B1; 10/16/2018; CPC G06Q 40/04; 42 claims; assigned to Eaton Vance Management.

ABSTRACT: A system and method is provided for administering an actively managed fund having shares tradable on an exchange, to support efficient secondary market trading. A Fund Module defines an actively managed ETF. A Portfolio Module tracks a portfolio held by the ETF while maintaining confidentiality of at least a portion thereof. A Basket Module publishes Creation and Redemption Baskets including a subset of the fund portfolio. A Current Valuation Module calculates a current Intraday NAV for the portfolio and Baskets throughout a trading day. A Swap Module provides for periodic entry and exit from NAV Swaps between an ETF Party and Swap Counterparties, who exchange payments based on performance of the fund portfolio and the Fund Basket. A Creation/Redemption Module permits creations and redemptions of ETF shares in exchange for the Fund Basket. Arbitrage is permitted between ETF share price and Intraday NAV without full portfolio disclosure.

PATENT: Systems and method for displaying money management information in an electronic trading environment; US 10,102,574 B2; 10/16/2018; CPC G06Q 40/04; 10 claims; assigned to Trading Technologies International, Inc.

ABSTRACT EXCERPT: A system and method for displaying a plurality of profit and risk related indicators are described. A graphical interface displays and dynamically updates a plurality of profit/loss (P/L) indicators including a realized, net, and open indicator. The net and open indicators are based on a trader's net position and a current market level, while the realized indicator is based on trader's buys and sells associated with a tradable objects. In one embodiment, the plurality of indicators are displayed in relation to a plurality of money management regions defining a maximum order quantity and a maximum net position controlling the trader's trades, so that a trader can quickly determine his current as well as potential money management parameters.

PATENT: Securities claims identification, optimization and recovery system and methods; US 10,102,575 B1; 10/16/2018; CPC G06Q 40/04; 21 claims; assigned to Dividex Management, LLC.

ABSTRACT: The system and methods for securities claims identification, optimization and recovery are disclosed herein. The disclosed system can maximizes returns on assets that are the securities claims arising from alleged fraud in the purchase or sale of securities in a securities portfolio. In one embodiment, the disclosed system monitors portfolio using analytics tools to identify asynchronous activity or movements in portfolio securities, performs loss and damages valuation analysis, open arms-length communications with securities litigation plaintiffs' bar and/or litigation funders, publishes relevant information to investors, provides analysis and information for merit analysis, counsel selection and/or litigation monitoring and performs risk mitigation analysis to identify securities claims and optimize recovery of revenue associated with the securities claims.

PATENT: Trading circles; US 10,102,576 B2; 10/16/2018; CPC G06Q 40/04; 11 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: The disclosed embodiments provide trading circles. An example method includes defining a group having a plurality of members, wherein one or more of the plurality of members interacts with an exchange that facilitates market transactions; detecting a first interaction of a first group member with the exchange; and communicating, in response to detecting the first interaction, data related to the first interaction to a second group member before the first group member receives confirmation of the first interaction from the exchange.

PATENT: Method and apparatus for order entry in an electronic trading system; US 10,102,577 B2; 10/16/2018; CPC G06Q 40/04; 23 claims; assigned to NEX Services North America LLC.

ABSTRACT: Orders received by an electronic trading system are processed in batches based on the instrument to which an order relates. An incoming order is assigned to a queue of a queue set that makes up the batch according to a random process. Where orders are received from related trading parties they are assigned to the same queue set according to their time of receipt. The batch has a random duration within defined minimum and maximum durations and at the end of the batch, the orders held in the queues are transferred to a matching thread of the trading system sequentially with one order being removed from each queue and a number of passes of the queues completed until orders have been removed.

PATENT: Techniques for automated call cross trade imbalance execution; US 10,102,578 B2; 10/16/2018; CPC G06Q 40/04; 18 claims; assigned to State Street Bank and Trust Company.

ABSTRACT EXCERPT: Various embodiments are generally directed to techniques for automated call cross trade imbalance execution. Techniques described herein may provide an automated crossing solution for buy-side clients that limits position information to banks and individuals prior to setting a benchmark rate for foreign exchange. In some embodiments, clients may roll forward spot trades with a chosen counterparty bank, which is then sent to a centralized, automated, bank platform. Techniques described herein may offer a multi-bank platform solution that accepts trades, validates trades, performs credit checks, and executes trades in a manner that limits knowledge of position information prior to setting a benchmark rate.

PATENT: Facilitation of deterministic interaction with a dynamically changing transaction processing environment; US 10,102,579 B2; 10/16/2018; CPC G06Q 40/04; 23 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT EXCERPT: The disclosed embodiments relate to ensuring that a selected value, selected, for example, via interaction with a graphic user interface, of a dynamically changing parameter, such as a price, is used when generating an electronic data transaction request message in a data transaction processing system, such as an electronic trading system.

PATENT: Method and system for displaying and trading spreads; US 10,102,580 B2; 10/16/2018; CPC G06Q 40/04; 27 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: A trading application can receive price and quantity information for tradeable objects. The trading application can compute implied price and quantity information for spreads of the tradeable objects. Direct and indirect price and quantity information for the spreads can be displayed in a manner that shows the relationship with each other and with the price and quantity information for the tradeable objects.

PATENT: Multi-asset portfolio simulation (MAPS); US 10,102,581 B2; 10/16/2018; CPC G06Q 40/06; 30 claims; assigned to Intercontinental Exchange Holdings, Inc.

ABSTRACT: An exemplary system according to the present disclosure comprises a computing device that in operation, causes the system to receive financial product or financial portfolio data, map the financial product to a risk factor, execute a risk factor simulation process involving the risk factor, generate product profit and loss values for the financial product or portfolio profit and loss values for the financial portfolio based on the risk factor simulation process, and determine an initial margin for the financial product. The risk factor simulation process can be a filtered historical simulation process.

PATENT: Streamlining application using a social network platform; US 10,102,582 B2; 10/16/2018; CPC G06Q 40/06; 20 claims; assigned to Bank of America Corporation.

ABSTRACT: Embodiments of the invention are directed to systems, methods and computer program products for use in streamlining customer finance and customer money management platforms. An exemplary apparatus may be configured to provide a financial management application, whereby the financial management application interfaces with an online banking platform to access a customer's financial information for use in streamlining the customer's finances and money management strategies; receive social network financial information, the social network financial information comprising financial information associated with other customers; compare the customer's financial information to the social network financial information; present a comparison of the customer's financial information to the social network financial information.

PATENT: System and methods for online/offline synchronization; US 10,089,609 B2; 10/2/2018; CPC G06Q 20/065; 13 claims; assigned to Visa International Service Association.

SUMMARY: Embodiments of the present invention enable the synchronization of a user's wallet balance and activities across multiple user devices, either online or offline, to achieve a smooth user experience, and reduce the risk of unwanted fraud and revenue loss. A central wallet system may divide the available total virtual currency (e.g. points, credits, gaming data) balance among multiple user devices based on, for example, a user profile, a device usage profile, and/or a number of installed applications on user devices.

Frip: Where can I get me some of this virtual money?

PATENT: Automatic provisioning of services to network-connected devices; US 10,089,610 B2; 10/2/2018; CPC G06Q 20/102; 20 claims; assigned to The Toronto-Dominion Bank.

ABSTRACT EXCERPT: The disclosed embodiments include computerized methods and systems that automatically provision one or more services available to an Internet-of-Things (IoT) devices upon connection to and registration onto communications network.

PATENT: Systems and methods for performing ATM fund transfer using active authentication; US 10,089,612 B2; 10/2/2018; CPC G06Q 20/18; 15 claims; assigned to Capital One Services, LLC.

ABSTRACT: A method of performing a fund transfer at an ATM includes receiving an active authentication transaction key at an ATM from a mobile financial transaction instrument via a wireless communication protocol, generating a PIN at the ATM, and storing the PIN in a machine readable storage medium. An authorization request message is transmitted to a financial institution identified by the active authentication transaction key. The authorization request message includes the PIN and at least a portion of the active authentication transaction key. The PIN is received from a user of the mobile financial transaction instrument, and the funds are dispensed in response to receiving the PIN.

PATENT: Electronic wallet device; US 10,089,619 B1; 10/2/2018; CPC G06Q 20/363; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT: An example electronic wallet device may include a plurality of card slots to receive transaction cards; a plurality of card readers, each card reader, of the plurality of card readers, being associated with a card slot of the plurality of card slots; a hub comprising: a processor, and a communication interface; and a switching component that connects the plurality of card readers to the hub.

PATENT: Consumer authentication system and method; US 10,089,624 B2; 10/2/2018; CPC G06Q 20/3829; 17 claims; assigned to Visa U.S.A. Inc.

ABSTRACT: A method for authenticating a consumer. The method includes receiving an authorization request message associated with a consumer conducting a transaction with a portable consumer device. A challenge message is sent to the consumer, where the challenge message is dynamic or semi-dynamic. A challenge response message is received from the consumer, and an authorization response message is sent to the consumer. The authorization response message indicates whether or not the transaction is authorized.

PATENT: Systems and methods for authenticating user identities in networked computer systems; US 10,089,626 B2; 10/2/2018; CPC G06Q 20/401; 17 claims; assigned to The Toronto-Dominion Bank.

ABSTRACT EXCERPT: The disclosed embodiments include methods, systems, system terminals, and point-of-sale terminals for authenticating a user. The disclosed embodiments include, for example, a method for receiving, by one or more processors, authentication data from an authentication network, the authentication data including an authentication code identifying an authentication transaction associated with an authenticating partner system.

PATENT: System to automatically restore payment purchasing power; US 10,089,629 B2; 10/2/2018; CPC G06Q 20/4016; 18 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: In one embodiment, a system comprises a database configured to store at least one record, at least one network communication device, a storage device comprising instructions, and at least one processor configured to execute the instructions to perform a method. The method may comprise receiving a fraud communication associated with a first primary account number, calculating one or more limitations associated with the first primary account number based on an account associated with the first primary account number, and storing a database record including the first primary account number, a new primary account number, and the limitation(s).

PATENT: Systems and methods to provide offers to travelers; US 10,089,630 B2; 10/2/2018; CPC G06Q 20/405; 20 claims; assigned to Visa U.S.A. Inc.

ABSTRACT: At least some embodiments of the present disclosure relate to providing offers in general, and more particularly, providing offers based on transaction data, such as records of payments made via credit cards, debit cards, prepaid cards, etc., and/or information based on or relevant to the transaction data.

PATENT: Data sharing platform; US 10,089,632 B2; 10/2/2018; CPC G06Q 20/42; 16 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A data sharing platform can be used to implement a method for allowing at least one entity which makes payments with a payment network to share transaction data. A database containing the transaction data from the at least one entity which makes payments with the payment network is maintained. A user interface is provided, which presents the at least one entity which makes payments with the payment network with at least one selection providing consent to sharing of at least a portion of the transaction data with at least one third party. The consent from the at least one entity which makes payments with the payment network is obtained, via the at least one selection. Interfacing takes place with the at least one third party to share the at least portion of the transaction data.

PATENT: Systems and methods for evaluating a credibility of a website in a remote financial transaction; US 10,089,665 B2; 10/2/2018; CPC G06Q 30/0609; 20 claims; assigned to MasterCard International Incorporated.

ABSTRACT: Examples of the disclosure enable a user to evaluate a credibility of a website and/or a merchant in a remote financial transaction. In some embodiments, a request for a score is received from a client device. The request includes usage data associated with the client device. A website and/or merchant is identified based on the usage data, and customer experience-related data associated with the website and/or the merchant are retrieved from one or more sources. A first score is generated at a score generator based on the retrieved customer experience-related data, and the first score is transmitted to the client device for presentation at the client device.

PATENT: Fraud reduction system for transactions; US 10,089,683 B2; 10/2/2018; CPC G06Q 40/00; 15 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: A system, apparatus, and method for reducing fraud in payment or other transactions by providing issuers with a warning that a transaction being processed for authorization is potentially fraudulent. In some embodiments, the present invention processes data obtained from a consumer authentication process that is used in card not present (CNP) transactions to determine characteristics or indicia of fraud from previous transactions.

PATENT: System and associated methodology of creating order lifecycles via daisy chain linkage; US 10,089,687 B2; 10/2/2018; CPC G06Q 40/04; 20 claims; assigned to Fidelity National Information Services, Inc.

ABSTRACT: Systems, devices, and methods for linking orders to develop a consolidated audit trail (CAT) are configured to receive event data for one or more orders based on one or more order characteristics; determine linkages between the one or more orders based on parent relationships of the one or more orders; verify the linkages between the one or more orders based on the event data; and determine order lifecycles based on the linkages between the one or more orders.

PATENT: System and method for displaying market information and order placement in an electronic trading environment; US 10,089,688 B2; 10/2/2018; CPC G06Q 40/04; 20 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: A system and method are provided for displaying a trading screen and placing an order in an electronic trading environment. The system and method may be used to assist a trader in selecting an item of interest, such as the inside market (best bid and best ask) to be displayed relative to a user configured location on the trading screen, such as the center of the trading screen. In a preferred embodiment, the inside market will stay located relative to center of the trading screen and the price levels associated to the inside market will move as the market conditions fluctuate. Other features and advantages are described herein.

PATENT: Inter-product matrix; US 10,089,689 B2; 10/2/2018; CPC G06Q 40/04; 8 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: Lists of tradeable objects may be generated and displayed to enable a user to define a trading strategy having multiple legs. The lists of tradeable objects may be used to define and display different combinations of the tradeable objects that are included in each of the lists. Each combination of tradeable objects may define the different legs of a spread that may be tradeable on one or more exchanges. A combination of tradeable objects may be selected to display contract information associated with the different legs of the spread. The contract information for each leg may be used to define and display spread information for the legs of the trading strategy. The spread information may allow the user to view information related to the spreads for different combinations of tradeable objects in a display.

PATENT: Method implementing data row identifier constructs to assist in connecting disparate non-relational tabular databases when constructing an enhanced equity index and in order to establish the enhanced indexes repository; US 10,089,690 B1; 10/2/2018; CPC G06Q 40/06; 20 claims; assigned to Intermarket Research and Analytics LLC.

ABSTRACT: Provided are a method, a technology apparatus and a database scheme that enable the tying of disparate, non-relational, tabular inputs and staging databases residing on flat files in order to automatically rank and weight all sub-indexes of a pre-determined type that constitute a pre-determined market-weighted, broad-based index universe or benchmark using a plurality of enriched comparative value factors, growth factors and correlation factors, to generate an enhanced equity index and/or a singular semi-active portfolio constructed of long-only, passive equity ETFs tracking the sub-indexes.

PATENT: Systems and methods for extracting information from a transaction description; US 10,089,697 B2; 10/2/2018; CPC G06Q 40/12; 15 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: The disclosed embodiments include systems and methods for extracting information from a transaction description. In one embodiment, a system is disclosed that may include one or more processors and one or more memory devices storing instructions that, when executed by the one or more processors, performs operations consistent with the disclosed embodiments. In one embodiment, the operations may include receiving a transaction description. The operations may also include identifying known location information corresponding to the transaction description and determining whether information from the transaction description corresponds to the identified known location information.

PATENT: Method for receiving an electronic receipt of an electronic payment transaction into a mobile device; US 10,083,427 B2; 9/25/2018; CPC G06Q 20/0453; 15 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: According to one embodiment of the present disclosure, there is provided a method for receiving an electronic receipt of an electronic payment transaction into a mobile device, the method comprising: storing, into an installed application in the mobile device used to perform the electronic payment transaction, a unique transaction identity issued on the electronic payment transaction; generating, in a server, an electronic receipt issued on the electronic payment transaction; verifying that the electronic receipt matches against the unique transaction identity stored in the installed application; and receiving the electronic receipt into the mobile device in response to the verifying step determining that the electronic receipt matches against the unique transaction identity stored in the installed application.

PATENT: Smart chaining; US 10,083,428 B1; 9/25/2018; CPC G06Q 20/1085; 21 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: Identification information is received from a transaction card at a transaction machine. The transaction card is associated with an account holder using the transaction machine and includes a transaction card type. Using the identification information, activity profile information is accessed for the account holder. The account holder's transaction machine usage is monitored and activity profile information related to the account holder's transaction machine usage is stored. A custom sequence of user interfaces to be displayed to the account holder is generated based on the transaction card type.

PATENT: Wireless payment method and systems; US 10,083,434 B2; 9/25/2018; CPC G06Q 20/322; 20 claims; assigned to Visa U.S.A. Inc.

ABSTRACT: A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.

PATENT: Electronic payment systems and methods; US 10,083,436 B1; 9/25/2018; CPC G06Q 20/3278; 20 claims; assigned to Asignio, Inc.

ABSTRACT: A system for processing payments from a customer to a merchant uses a merchant POS system associated with the merchant, a customer mobile device, and a payment server. The payment server generates a Transaction ID unique to a payment transaction. The customer mobile device validates the payment transaction in response to the Transaction ID. The payment server generates a payment notice when the customer mobile device validates the payment transaction. In one case, the merchant POS system presents the Transaction ID to the customer mobile device in preparation for the payment transaction.

PATENT: Message dispatcher for payment system; US 10,083,437 B2; 9/25/2018; CPC G06Q 20/341; 20 claims; assigned to Square, Inc.

SUMMARY: A payment reader provides an interface between a point-of-sale application and a payment device such as an EMV chip card or an NFC payment device. A payment transaction is initiated such as by a merchant running the point-of-sale application on a mobile device. The point-of-sale application communicates with the payment reader through a communication interface, and the payment reader proceeds to process the transaction. The payment reader initiates communication with the payment device using near field communications or, if the customer has inserted the chip card in a slot of the payment reader, via a direct electrical connection with the chip card.

PATENT: Systems and methods for activating account card functions based on physical device interactions; US 10,083,438 B2; 9/25/2018; CPC G06Q 20/354; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT: Systems and methods are provided for activating a function of an account card based on physical devices interactions such as a motion pattern detected by the account card. In some embodiments, the account card may include one or more sensors and processing capabilities sufficient to store a motion pattern, detect a motion pattern representing movement of the account card, compare the detected motion pattern to the stored motion pattern, and activate one or more functions of the account card based on the comparison.

PATENT: Processing messages for attribute-value pair extraction; US 10,083,441 B1; 9/25/2018; CPC G06Q 20/401; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT: A device may process a message associated with an account to identify a first identifier that identifies a third party. The device may identify a match between the first identifier and transaction information related to an individual associated with the account. The transaction information may include a set of first identifiers that identify a respective set of third parties. The transaction information may facilitate identification of one or more messages that is likely to include account information. The device may tag the message with a second identifier based on the match. The device may receive, from another device, the message based on the message being tagged with the second identifier. The device may process the message to identify the account information related to another account. The device may extract identified account information from the message. The device may perform an action related to extracted account information or the message.

PATENT: Automated device assistance; US 10,083,450 B2; 9/25/2018; CPC G06Q 30/016; 20 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: A user may perform activities at an automated device having various technical features, such as a display, a printer, a camera, a microphone, a speaker, and other features used to perform activities at the automated device. During performance of an activity, the user may run into an issue and request assistance from an agent having a computing device (e.g., a portable computing device). Additionally or alternatively, the automated device may detect the issue and send a request for assistance to a computing device managing a transaction assistance portal or directly to the agent's computing device.

PATENT: Methods and systems for dynamically providing content; US 10,083,462 B2; 9/25/2018; CPC G06Q 30/0269; 20 claims; assigned to Capital One Services, LLC.

SUMMARY: The disclosed embodiments include methods and systems for delivering content, such as advertisements, to consumers. Certain disclosed embodiments include methods and systems for developing a consumer profile, generating a recommendation tool for individual consumers, tracking consumer information, delivering content (e.g., advertisements) to consumers, tracking redemption information relating to the content, updating the recommendation tool, and/or avoiding fraudulent purchases.

PATENT: Mobile application as an intelligent agent with the ability to listen, process and action the customer's voice/feedback; US 10,083,466 B1; 9/25/2018; CPC G06Q 30/0282; 20 claims; assigned to Bank of America Corporation.

ABSTRACT: Aspects of the embodiments relate to a database system that provides a technological advancement over existing database systems by selectively soliciting feedback from customers at appropriate times and directing the customer to any existing channels that may be beneficial to resolve a problem currently being experienced by the customer.

Frip: Talking to a computer that’s smarter than you are.

PATENT: Systems and methods for facilitating a transaction relating to newly identified items using augmented reality; US 10,083,480 B2; 9/25/2018; CPC G06Q 30/0643; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT: A system may provide an augmented environment that facilitates a transaction. The system may store profile data including user payment or user profile information. The system may then receive environmental data including audio and visual information representing a physical environment. The system may then receive first user input data indicative of a selection of one or more items present in the physical environment, and identify one or more action items in the environmental data based on the first user input data. In response to this identification, the system may augment the environmental data by adding virtual environmental data, and then provide this virtual environmental data to a device to create an augmented environment. The system can then receive second user input data, and provide purchase request data to a merchant terminal to enable a transaction related to the one or more action items.

PATENT: Actionable exception alerts; US 10,083,483 B2; 9/25/2018; CPC G06Q 40/02; 20 claims; assigned to Bank of America Corporation.

ABSTRACT: Systems, method, apparatuses, and software are described for automatically detecting defects in financial transactions, automatically determining resolutions to the defects based on historical defect patterns, an interacting with customers to provide information and/or receive instructions regarding defects and how they should be resolved.

PATENT: Rotating accounts for transfers; US 10,083,484 B2; 9/25/2018; CPC G06Q 40/02; 28 claims; assigned to Visa International Service Association.

CLAIM 1 PREAMBLE: A computer-implemented method of using a graphical user interface (GUI) for transferring value from first accounts to second accounts.

PATENT: Limited movement collar on marketable order execution price; US 10,083,486 B2; 9/25/2018; CPC G06Q 40/04; 30 claims; assigned to NYSE Group, Inc.

ABSTRACT: An electronic trading system implements collar protection for received marketable orders. A collar price is determined based on best bid and offers prices or the price of a recently executed trade. Orders matched at prices worse than the collar price (from the perspective of the marketable order) are not allowed to execute. When execution of orders is halted, a collar timer runs. When the collar timer exceeds a time threshold, the collar price is modified based on a collar move parameter. The collar move parameter may be modified when the reset collar timer subsequently exceeds the time threshold.

PATENT: Trading system with price improvement; US RE 47,060 E1; 9/25/2018; CPC G06Q 40/04; 43 claims; assigned to BGC Partners, Inc.

SUMMARY: In general, in a first aspect, the invention features a method for providing price improvement on an item being traded in an active market. A touch price for said item is provided. At least one price-improved order is received, the order having a price and a size, wherein said at least one price-improved order improves on said touch price. A price improvement indicator is displayed while said at least one price-improved order is available for trade in said active market. Each price-improved order is prioritized based on predetermined criteria. At least one transaction order is received, wherein said at least one transaction order is an order to buy or sell said item. The transaction order is filled based on the prioritization of said at least one price-improved order. At least a portion of the difference between said touch price and said price of said at least one price-improved order used to fill said at least one transaction order is distributed to (a) a trader associated with said at least one price-improved order, (b) a trader associated with said at least one transaction order; and (c) a system host. 

PATENT: Method for using barcodes and mobile devices to conduct payment transactions; US 10,078,832 B2; 9/18/2018; CPC G06Q 20/3276; 20 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: Embodiments of the invention facilitate payment transactions by integrating the image capture and image processing capabilities of certain mobile devices with the card-based payment transaction infrastructure. In some embodiments, a camera contained in a mobile device is used to capture an image of a barcode that is visible on the surface of a substrate. The barcode may represent or otherwise encode one or more of payment account data, consumer authentication data, consumer profile data, or other relevant information.

Frip: Taking pics of barcodes. Eastman Kodak, how far we’ve come.

PATENT: Combination payment card and methods thereof; US 10,078,833 B2; 9/18/2018; CPC G06Q 20/342; 17 claims; assigned to Worldpay, LLC.

ABSTRACT: Systems and methods for processing payment transactions using combination payment cards. The combination payment card is associated with an open-loop account and one or more closed-loop accounts. Transaction information is received from a point-of-sale device. At least one of the closed-loop and open-loop account is debited.

PATENT: Method and system of contactless interfacing for smart card banking; US 10,078,834 B2; 9/18/2018; CPC G06Q 20/352; 21 claims; assigned to Citicorp Credit Services, Inc.

SUMMARY: It is a feature and advantage of the present invention to provide a method and system of smart card banking utilizing a contactless interface to establish a communications link for bi-directional flow of data between the smart card and a banking institution, which provides all the benefits of contact interface without the physical limitations of the contacts and without any significant increase in cost.

PATENT: Authentication token for wallet based transactions; US 10,078,835 B2; 9/18/2018; CPC G06Q 20/3674; 11 claims; assigned to MasterCard International Incorporated.

ABSTRACT: Transaction address data is received at a point of interaction (POI) device, from a payment-enabled mobile device. The transaction address data includes first address data and second address data. The first address data identifies a wallet service provider that is associated with the payment-enabled mobile device. The second address data indicates an internet address for a server function present in the payment-enabled mobile device. The first address data is used to dispatch the second address data from the POI device to the wallet service provider.

PATENT: Systems and methods to generate a receipt for a transaction; US 10,078,837 B2; 9/18/2018; CPC G06Q 20/40; 20 claims; assigned to Visa International Service Association.

ABSTRACT: A system includes a transaction terminal that is configured to examine an authorization response for an indicator, which, when set, causes the transaction terminal to communicate with a portal to obtain content relevant to the receipt for the transaction approved by the authorization response. The content may identify the benefit of an offer applied to the transaction, which is not reflected in the authorization response. The content may direct the user to select an option regarding the delivery of the receipt. Options presented for selection include suppression of the printing of the paper receipt in favor of an electronic receipt transmitted to a communication reference of the user, printing a mini paper receipt in addition to transmitting an electronic receipt, and/or printing the full paper receipt at the transaction terminal.

PATENT: Systems and methods to communicate with transaction terminals; US 10,078,838 B2; 9/18/2018; CPC G06Q 20/40; 20 claims; assigned to Visa International Service Association.

ABSTRACT: A transaction terminal is configured with an application that is configured to present a user interface for out-of-band communication with a transaction handler during the processing of a payment transaction. The transaction handler is configured to invoke the application in the transaction terminal via transmitting a predetermined code in an authorization response message.

PATENT: Method for generating and updating alternate security codes for payment cards; US 10,078,840 B2; 9/18/2018; CPC G06Q 20/409; 20 claims; assigned to MasterCard International Incorporated.

ABSTRACT: An auxiliary security code called a CVC2a is generated to replace a CVC2 value that is presented on a payment card for verifying card-not-present (CNP) transactions without necessarily generating a replacement card. An enhanced card table/file is maintained by a payment network operator to facilitate transitional scenarios in which the payment cards are reissued or replaced.

PATENT: Providing consolidated order management; US 10,078,862 B2; 9/18/2018; CPC G06Q 30/0635; 14 claims; assigned to Bank of America Corporation.

SUMMARY: Aspects of the disclosure relate to computer systems that provide effective, efficient, scalable, and convenient ways of uniformly managing how different products and/or services are provided to different customers across different channels of an organization, such as a financial institution.

PATENT: Augmented reality virtual banker; US 10,078,867 B2; 9/18/2018; CPC G06Q 40/02; 18 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: A method implemented on an augmented reality electronic device includes viewing at least a portion of a financial document with the augmented reality electronic device. One or more words or phrases in a section of the financial document are identified using the augmented reality electronic device. A customer associated with the financial document is identified. An indication of the one or more words or phrases and an identification of the customer are sent to a server computer. Customized content is received from the server computer based on the one or more words or phrases and the identification of the customer. The customized content is displayed on the augmented reality electronic device.

PATENT: System and method for coordinating automated and semi-automated trading tools; US 10,078,869 B2; 9/18/2018; CPC G06Q 40/04; 14 claims; assigned to Trading Technologies International, Inc.

SUMMARY: The present embodiments relate to a computer-based method and system for use in electronic trading, and in particular, for use in coordinating trading tools that trade any product with a quantity and/or price.

PATENT: System and method for automated consolidation of individual retirement accounts; US 10,078,870 B2; 9/18/2018; CPC G06Q 40/06; 4 claims; assigned to Retirement Clearinghouse, LLC.

SUMMARY: The present invention is directed to a system and method for automating the consolidation or roll-overs of individual retirement accounts.

PATENT: Wearable transaction devices; US 10,074,080 B2; 9/11/2018; CPC G06Q 20/10; 13 claims; assigned to Capital One Services, LLC.

SUMMARY: The disclosed embodiments generally relate to systems and methods for device-to-device transactions and, more particularly, to systems and methods for wearable device transactions.

Frip: What’s that in your pants? That’s my wearable transaction device.

PATENT: Methods and systems for use of a prepaid payment device; US 10,074,081 B1; 9/11/2018; CPC G06Q 20/102; 9 claims; assigned to Citicorp Credit Services, Inc.

ABSTRACT EXCERPT: Providing a card which a consumer can reload with additional funds at a point of sale whereby no new or additional hardware is needed, the consumer can have access to the funds immediately, and the consumer does not need to perform any additional steps beyond conducting the transaction at a point of sale.

PATENT: Virtual POS system and method; US 10,074,085 B2; 9/11/2018; CPC G06Q 20/202; 31 claims; assigned to MasterCard International Incorporated.

SUMMARY: The present invention relates to the field of secure transaction systems, and specifically to a system and method for executing a transaction between a token device and a virtual, cloud-based point-of-sale terminal.

PATENT: Smart authentication and identification via voiceprints; US 10,074,089 B1; 9/11/2018; CPC G06Q 20/40145; 18 claims; assigned to Citigroup Technology, Inc.

ABSTRACT: The systems and methods described herein allow an electronic transaction to be performed upon determining, via biometric data, that an authorized individual is conducting the transaction. This may involve receiving, by a computer system, a request to authorize an electronic transaction for an account. The computer system is configured to access a phone number, which is stored in computer memory and associated with the enrolled user of the account. An automated and outward call to the phone number is performed by the computer system. The computer system is configured to capture a voiceprint in association with voice data received from the automated call. The captured voiceprint is compared to a registered voiceprint, which is stored in the computer memory in association with the enrolled user. The computer system responds to the request to authorize the secure electronic transaction based on said comparison.

PATENT: Systems and methods for issuing, evaluating, and monitoring card-linked offers; US 10,074,100 B2; 9/11/2018; CPC G06Q 30/0211; 22 claims; assigned to Capital One Services, LLC.

SUMMARY: The disclosed embodiments generally relate to financial service account systems and products and, more particularly, to systems, methods, and articles of manufacture for issuing, evaluating, and monitoring offers and incentives linked to financial service accounts, such as payment accounts.

PATENT: Mobile location notifications system and method; US 10,074,106 B2; 9/11/2018; CPC G06Q 30/0261; 19 claims; assigned to Visa International Service Association.

ABSTRACT: Embodiments of the invention are directed to systems, apparatuses, and methods for determining the location of a mobile merchant, and performing further processing based on the determined location. Transaction data for a transaction conducted by a mobile merchant is electronically received at a server computer. The server computer determines a location of the mobile merchant based on the transaction data, and performs further processing based on the location of the mobile merchant.

PATENT: Generating customer alerts based on indoor positioning system detection of physical customer presence; US 10,074,130 B2; 9/11/2018; CPC G06Q 40/02; 14 claims; assigned to Bank of America Corporation.

ABSTRACT: A computing platform may receive a plurality of messages comprising data indicating physical presence of customers of a financial institution at a physical banking center location of the financial institution from an indoor positioning system located at the physical banking center location of the financial institution. Responsive to receiving the plurality of messages comprising the data indicating the physical presence of the customers of the financial institution at the physical banking center location of the financial institution, the computing platform may determine that at least one customer of the customers of the financial institution at the physical banking center location of the financial institution has flagged one or more items via an online-banking system of the financial institution.

PATENT: System and method for processing a trade order; US 10,074,132 B2; 9/11/2018; CPC G06Q 40/04; 25 claims; assigned to Intercontinental Exchange, Inc.

SUMMARY: In one aspect of the invention, the interface comprises a graphical display operative to provide a visualization of selected historical data on results of an inspection or monitoring process and at least one control or threshold setting wherein an adjustment thereof changes the visualization of the results to reflect the adjustment of the setting. In another aspect of the invention, the adjustment comprises manipulation of a graphical threshold line on the graphical display, the manipulation triggering re-inspection or re-calculation of the selected historical data and the corresponding re-visualization thereof.

PATENT: System and method for creating trade-related annotations in an electronic trading environment; US 10,074,133 B2; 9/11/2018; CPC G06Q 40/04; 14 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: A client terminal displays a trading screen interface and an annotation interface in relation to the trading screen interface. The annotation interface allows a trader to enter trade-related annotations in a quick and efficient manner or flag a predetermined time and input annotations to be associated with the flagged time a later time, while the trading screen interface allows the trader to make trades at the most favorable prices and in a speedy manner. The annotation interface may alternatively not be displayed and allow for audio input.

PATENT: System and method for trading commodities and the like; US 10,074,134 B2; 9/11/2018; CPC G06Q 40/00; 44 claims; assigned to TradeCapture OTC Corp.

SUMMARY: It is an object of the invention to provide a system for facilitating commodity transactions. Another object of the present invention is to provide a system that permits the user to control how any bids or offers submitted are acted upon and viewed by other users. Yet another object of the present invention is to provide such a system that permits users to operate within specific exchanges having specific commodities. It is a further object of the present invention to provide such a system that enables various exchanges to create and share commodities within a unified database. It is another object of the present invention to provide such a system that permits the user to rapidly peruse a variety of available transactions. It is yet another object of the present invention to provide such a system that operates over the Internet.
Another object of the present invention to provide such a system that can permit a user to quickly review the user's current position.

PATENT: Method and apparatus for publishing market information; US 10,074,136 B2; 9/11/2018; CPC G06Q 40/06; 15 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT: A method and apparatus for publishing market data for a financial instrument utilizes existing network layer acknowledgement feature to publish market data for the financial instrument to a client device at rates in which the client device is able to process the data. The publishing rate is dynamic, as opposed to being fixed, and is able to adjust "on-the-fly" so as to prevent message queue stagnation.

PATENT: Method and system for linking forensic data with purchase behavior; US 10,074,141 B2; 9/11/2018; CPC G06Q 40/12; 26 claims; assigned to MasterCard International Incorporated.

SUMMARY: The present disclosure relates to the linking of forensic data to transaction history, specifically the linking of forensic data associated with a computing device with consumer transaction history based on analyzed consumer identifiers and consumer demographic characteristics.

PATENT: Transfer account systems, computer program products, and associated computer-implemented methods; US 10,068,208 B2; 9/4/2018; CPC G06Q 20/023; 28 claims; assigned to Metabank.

ABSTRACT: Embodiments of the present invention include transfer account systems, computer program products, and associated computer-implemented methods of providing prioritized payments from the proceeds of automatic or direct deposits.

PATENT: Reallocation of resources system; US 10,068,211 B2; 9/4/2018; CPC G06Q 20/108; 18 claims; assigned to Bank of America Corporation.

ABSTRACT: Embodiments of the invention are directed to a system, method, or computer program product for providing a reallocation of resources contextual visual element and double verification requirement for resource distribution. In this way, the system identifies goals associated with a user and generated contextual visual elements associated with those goals. Based on a triggering event, the system displays the customized contextual visual element on a display of the user's device locking the functionality of the user device for a period of time the contextual visual element is displayed. Furthermore, the system may integrate and code a double verification requirement into resource distribution applications, requiring secondary authentication and additional verification for resource distribution.

Frip: Huh?

PATENT: Systems and methods for point of sale deposits; US 10,068,212 B2; 9/4/2018; CPC G06Q 20/108; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: The disclosed embodiments include systems and methods for executing a point of sale deposit. In one embodiment, a system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive transaction information related to a point of sale deposit from a client device, and generate a pending deposit transaction based on the transaction information.

PATENT: Systems and methods for facilitating cross-platform purchase redirection; US 10,068,213 B2; 9/4/2018; CPC G06Q 20/20; 20 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: A purchase platform redirection (PPR) computing device is provided, the PPR computing device configured to receive a checkout request associated with a transaction initiated at an initial purchase platform by an account-holder. The checkout request includes an identifier of the initial purchase platform and an account-holder account identifier of the account-holder's payment account.

PATENT: Systems and methods for brokered authentication express seller links; US 10,068,220 B2; 9/4/2018; CPC G06Q 20/29; 27 claims; assigned to Visa International Service Corporation.

ABSTRACT EXCERPT: Systems and methods for providing a transaction authorization from a funds facilitation system for a transaction requested by a user to a merchant system such that the user is not required to input any user authentication information in excess of authentication information required by the merchant system are provided. A system and method can include receiving a transaction request from the merchant system containing a merchant ID, a merchant user ID, and a transaction amount.

PATENT: System for authorization and instant integration of credit card to digital wallet; US 10,068,226 B2; 9/4/2018; CPC G06Q 20/3674; 17 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: Embodiments of the invention are directed to a system, method, or computer program product for security confidence calculation for digital wallet integration. In this way, the invention provides instantaneous access to new payment methods, such as credit cards with prevention of misappropriation based on user device security confidence and token presentation.

PATENT: Electronic authentication systems; US 10,068,230 B2; 9/4/2018; CPC G06Q 20/401; 17 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: Methods and devices are provided for use in facilitating transactions between transaction devices and points of interactions. In connection therewith, one transaction device generally includes an input and an output for communicating with a point of interaction with regard to a transaction by a consumer at the point of interaction involving the transaction device. The transaction device also includes a processor in communication with the input and the output.

PATENT: Systems and methods for determining enhanced merchant identification; US 10,068,239 B2; 9/4/2018; CPC G06Q 30/0201; 18 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: A computer implemented method for creating merchant profiles based on check transactions is provided.

PATENT: Method and system for processing a discount; US 10,068,243 B2; 9/4/2018; CPC G06Q 30/0222; 20 claims; assigned to MasterCard International Incorporated.

SUMMARY: The claimed invention relates to processing financial transactions, and more particularly, to applying a discount to a purchase price of a product or service in a financial transaction processed by a payment network.

PATENT: Systems and methods for suggesting financial account cards stored on a wireless device; US 10,068,244 B2; 9/4/2018; CPC G06Q 30/0226; 15 claims; assigned to Capital One Services, LLC.

ABSTRACT: A wireless device is enabled to process a transaction. In one implementation, the wireless device receives card data for a plurality of financial account cards and stores the card data in memory associated with the wireless device. The wireless device determines merchant information for the transaction and determines rewards benefit information for at least some of the plurality of financial account cards. The wireless device provides a suggestion of at least one of the plurality of financial account cards to use in the transaction based on the determined rewards benefit information.

PATENT: Systems and methods for providing a user interface for facilitating personal payment transactions; US 10,068,288 B2; 9/4/2018; CPC G06Q 40/02; 18 claims; assigned to Capital One Financial Corporation.

ABSTRACT EXCERPT: Systems and processes are disclosed for providing customized user interfaces for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may generate a dynamic and customized interface for effecting the personal payment transaction by, for example, providing one or more options for the payer to fund the payment. The disclosed embodiments may provide an interface that includes one or more suggested recipients for identifying the payee associated with the payment transaction.

PATENT: System and method for determining a stable quoting quantity for use in a trading strategy; US 10,068,290 B2; 9/4/2018; CPC G06Q 40/04; 6 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: Identification of a stable quoting quantity is disclosed. An example method includes setting a quoting quantity for a trading strategy based on a distribution associated with a tradable object of the trading strategy; defining a range having first and second boundaries based on the distribution; updating a first tracked value according to changes in the distribution; and changing the quoting quantity in response to the first tracked value falling outside the range.

PATENT: Electronic market message management using priority determination; US 10,068,291 B2; 9/4/2018; CPC G06Q 40/04; 24 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT: Methods, devices, and systems for managing electronic messages of an electronic trading system in which orders are extracted from the electronic messages involve executing actions associated with respect to the orders and matching orders to counter orders. Matching orders may be based on a priority determined using a market quality index of the order and an associated market participant.

PATENT: Flexible price-volume indicator; US 10,068,292 B2; 9/4/2018; CPC G06Q 40/04; 24 claims; assigned to Trading Technologies International, Inc.

ABSTRACT EXCERPT: Example methods, apparatus, and computer readable storage media are described and disclosed. An example method includes receiving, by a computing device, market data related to a tradeable object. The example method includes displaying, by the computing device, a flexible price-volume indicator, the flexible price-volume indicators aligned with a specific value level in a value axis.

PATENT: Repositioning a value axis; US 10,068,293 B2; 9/4/2018; CPC G06Q 40/06; 9 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: Various embodiments of a trading screen allow a market value indicator to go out of view without necessarily triggering a command to reposition a value axis. The value axis may be repositioned to bring the market value indicator back in view when the market value indicator satisfies a threshold condition. The threshold condition is defined such that it is possible for the market value indicator to go out of view and not trigger a command to reposition the value axis.

PATENT: Method and system for allocating funds over a plurality of time deposit instruments in depository institutions; US 10,068,294 B1; 9/4/2018; CPC G06Q 40/08; 25 claims; assigned to Island Intellectual Property LLC.

SUMMARY: The field of the invention relates generally to administering an allocation of funds for the purchase of time deposit instruments at a plurality of depository institutions and possibly other financial instruments.

PATENT: Optical character recognition pre-verification system; US 10,062,060 B2; 8/28/2018; CPC G06Q 20/10; 18 claims; assigned to Bank of America Corporation.

ABSTRACT: A system which may categorize incoming payments is provided. The categorization may be performed by optical character recognition software. The categorization may enable proper allocation of time and human resources to each individual payment. The categorization may reduce wasted time and resources by allotting each payment the amount of resources necessary to determine the information stored thereon. The categorization may include a three-tiered system. The three-tiered system may include a straight-through processing ("STP") subsystem, a pre-verification subsystem and a verification subsystem.

PATENT: System and method for a mobile wallet; US 10,062,076 B1; 8/28/2018; CPC G06Q 20/36; 23 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: A computer-implemented method includes receiving an image captured by a mobile device and determining an orientation and a geographic location of the mobile device based on the image. The method includes generating a display for the image that identifies the location of one or more merchants relative to the mobile device and providing the relative location of the one or more merchants by sending the display to the mobile device as an overlay on the image.

Frip: Guess maps are passe.

PATENT: Automatic data transfer; US 10,062,077 B2; 8/28/2018; CPC G06Q 20/40; 22 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A first request for a transfer of data is transmitted in response to the use of a user device; it is determined that the first request for the transfer of data has been declined; an event is detected that indicates that the transfer of data in response to the use of the user device can be accepted; and a second request for the transfer of data is transmitted in dependence on detecting that the event has occurred.

PATENT: Payment account identifier system; US 10,062,079 B2; 8/28/2018; CPC G06Q 20/4016; 20 claims; assigned to Visa International Service Association.

ABSTRACT: A method for utilizing a non-transactable account identifier with a payment token is disclosed. The non-transactable account identifier can have the same format as a primary account number (PAN) and the payment token, but is not used to conduct a payment transaction.

PATENT: Method and system for identifying payment card holder interests and hobbies; US 10,062,082 B2; 8/28/2018; CPC G06Q 30/0201; 22 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: The method includes retrieving from one or more databases a first set of information comprising payment card transaction information, payment card holder information and merchant information. The method further includes analyzing the first set of information to construct one or more groupings of merchants based on merchant line of business or merchant association with a hobby or interest; analyzing the first set of information to identify one or more payment card holder purchase behaviors; and associating the one or more payment card holder purchase behaviors with the one or more groupings of merchants to identify one or more payment card holder hobbies or interests.

Frip: So if your hobby is watching pay-per-view porn on the Internet, MasterCard knows all about it.

PATENT: Consolidated trading platform; US 10,062,107 B1; 8/28/2018; CPC G06Q 40/00; 36 claims.

ABSTRACT: Techniques to facilitate security transactions in a preferred currency, regardless what original or market currency the securities are being traded in and where the transaction may take place, are disclosed. According to one aspect of the present invention, a three-tier architecture is presented and includes a brokerage, a market exchange and a currency exchange. Through a consolidated trading platform, the brokerage presents all prices, quotes, transactions or settlements in a preferred currency, in conjunction with the market exchange and the currency exchange. As a result, a trader always knows exactly what he/she may end up with a transaction of an asset.

PATENT: Systems, methods, and computer-readable storage media for calculating a housing volatility index; US 10,062,110 B1; 8/28/2018; CPC G06Q 40/04; 20 claims; assigned to Federal Home Loan Mortgage Corporation (Freddie Mac).

SUMMARY: The present disclosure generally relates to real estate markets. More particularly, the disclosure relates to systems, methods, and computer-readable storage media for calculating a housing volatility index from data reflecting changes in housing values over time.

PATENT: System and methods for facilitating options and/or futures; US 10,062,111 B2; 8/28/2018; CPC G06Q 40/04; 20 claims; assigned to CFPH, LLC.

ABSTRACT: Some embodiments may include allowing users to define and/or trade in binary options and/or other financial instruments. Various methods and apparatus are described.

PATENT: Systems, methods, and computer-readable storage media for calculating a housing volatility index; US 10,062,112 B1; 8/28/2018; CPC G06Q 40/04; 7 claims; assigned to Federal Home Loan Mortgage Corporation (Freddie Mac).

SUMMARY: The present disclosure generally relates to real estate markets. More particularly, the disclosure relates to systems, methods, and computer-readable storage media for calculating a housing volatility index from data reflecting changes in housing values over time.

PATENT: System and method for displaying a view of market depth on a graphical user interface; US 10,062,113 B2; 8/28/2018; CPC G06Q 40/04; 13 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: A graphical interface and method are provided for displaying market information corresponding to a tradeable object. According to one example embodiment, a market depth indicator is displayed in relation to a value axis in a market overview interface. Then, detailed market depth is displayed in a market depth interface, and a plurality of market depth prices displayed in the market depth interface are adjustable based on a position of the market depth indicator in relation to the value axis.

PATENT: Multi-broker order routing based on net position; US 10,062,114 B2; 8/28/2018; CPC G06Q 40/04; 12 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: The disclosed embodiments provide tools for multi-broker order routing based on net position at a broker. The net position of a user at a broker to receive a portion of a trade order is considered when allocating the quantity for the trade order to multiple brokers.

PATENT: Method and apparatus for high-speed processing of financial market depth data; US 10,062,115 B2; 8/28/2018; CPC G06Q 40/04; 53 claims; assigned to IP Reservoir, LLC.

ABSTRACT: A variety of embodiments for hardware-accelerating the processing of financial market depth data are disclosed. A coprocessor, which may be resident in a ticker plant, can be configured to update order books based on financial market depth data at extremely low latency. Such a coprocessor can also be configured to enrich a stream of limit order events pertaining to financial instruments with data from a plurality of updated order books.

PATENT: System and method for providing market data in an electronic trading environment; US 10,062,116 B2; 8/28/2018; CPC G06Q 40/04; 9 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: A system and methods are developed for providing market data in an electronic trading environment. One example method includes determining a probability model comprising a probability corresponding to a change in relation to a market data parameter, then, using the probability to generate a compressed bit stream representing the market data parameter, and providing the compressed bit stream to the client terminal.

PATENT: Digital currency (virtual payment cards) issued by central bank for mobile and wearable devices; US 10,055,714 B2; 8/21/2018; CPC G06Q 20/065; 19 claims; assigned to World Award Academy, World Award Foundation, AMobilePay, Inc.

ABSTRACT EXCERPT: Provided is a method for issuing single-use and multiple-use digital currency via a mobile and wearable device. The method may include receiving a currency issuance request from a user, prompting the user to enter a user authentication information, accessing a user account maintained by a currency issuer, generating the digital currency based on payment data of the user account, and providing the digital currency to the mobile and wearable device.

PATENT: Cryptocurrency payment network; US 10,055,715 B1; 8/21/2018; CPC G06Q 20/065; 12 claims; assigned to Square, Inc.

ABSTRACT: The present technology provides a payment service for providing financial transactions between a customer and merchant wherein the customer can pay in any currency and the merchant can be paid in any currency. Furthermore, the present technology supports payment using cryptocurrency, while improving such transactions in a way that takes advantage of benefits of such transactions while overcoming drawbacks such as delays in processing.

PATENT: Virtual currency system; US 10,055,720 B2; 8/21/2018; CPC G06Q 20/10; 14 claims; assigned to nChain Holdings Limited.

ABSTRACT EXCERPT: A system including a network connected to at least one mint computing device implementing a virtual currency mint. The network has a ring topology and includes computing devices that implement a plurality of nodes. The mint issues units of virtual currency to user accounts implemented by the nodes. Each of at least a portion of the nodes is configured to initiate (as a sender node) a transaction with a recipient node that transfers at least one unit of the virtual currency from a sender one of the user accounts to a recipient one of the user accounts.

Frip: Huh?

PATENT: Systems and methods for management of mobile banking resources; US 10,055,726 B2; 8/21/2018; CPC G06Q 20/3221; 14 claims; assigned to JPMorgan Chase Bank, N.A.

ABSTRACT: Systems and methods for the management of mobile banking resources are disclosed. In one embodiment, a self-propelled, mobile transaction resource may include an unmanned, self-propelled, mobile platform; a user interface for interfacing with a user for conducting a transaction; at least one controller that controls the movement of the mobile platform and the user interface; a communications interface for the at least one controller that communicates with a server; and a plurality of sensors that capture at least one characteristic of the user.

PATENT: User and entity authentication through an information storage and communication system; US 10,055,732 B1; 8/21/2018; CPC G06Q 20/4014; 20 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT EXCERPT: Systems and methods for authenticating parties and transactions are described herein. The systems and methods may be part of an information wallet system. The information wallet system or a separate authentication system in communication with the information wallet system may facilitate verification and/or authentication of the parties. In one embodiment, the authentication system includes an authentication server configured to receive an authentication request from a first party to authenticate a second party.

PATENT: Systems and methods for processing customer purchase transactions using biometric data; US 10,055,734 B2; 8/21/2018; CPC G06Q 20/40145; 20 claims; assigned to Capital One Financial Corporation.

ABSTRACT EXCERPT: A system and method is provided for processing customer purchase transactions using biometric data. Consistent with disclosed embodiments, a processing entity receives biometric data of a customer, wherein the biometric data is unique to the customer. The processing entity may additionally receive transaction data, the transaction data reflecting the price of a purchase transaction by the customer. The processing entity may compare the received biometric data to stored biometric data associated with customers of a financial service provider and identify common biometric data.

PATENT: Delayed transit fare assessment; US 10,055,735 B2; 8/21/2018; CPC G06Q 20/4016; 16 claims; assigned to Visa U.S.A., Inc.

ABSTRACT: At each of a plurality of point of sale terminals (POS) of a merchant, for each of a plurality of consumers, where each consumer seeks to conduct a transaction with the merchant for a good or service at a cost by using a payment device issued by an issuer in a payment system, data is read from a payment device. The data can include an identifier for an account issued by an issuer. Information is stored for each transaction and the consumer is permitted to receive the good or service from the merchant. After the consumer has received the good or service, a batch of the transaction are processed to derive there from the respective costs that are assessable to the respective accounts, where the merchant can be a transit system, the consumer a rider thereon, and the transaction can be access to a facility thereof.

PATENT: Systems and methods to modify interaction rules during run time; US 10,055,745 B2; 8/21/2018; CPC G06Q 30/02; 17 claims; assigned to Visa International Service Association.

ABSTRACT: In one aspect, a computing apparatus is configured to represent offer rules based on requirements for the detection of predefined types of events and actions scheduled to be performed in response to the detection of each occurrence of the events. The events are independent from each other in processing and are linked via prerequisite conditions to formulate the requirements of an offer campaign. The computing apparatus is configured to store data indicating the completion statuses of the events and process the events, including the scheduled actions, if any, in an atomic way. Thus, the offer rules can be changed on-the-fly during run time execution by the computing apparatus.

PATENT: Systems and methods to enhance search results using transaction data of merchants; US 10,055,751 B2; 8/21/2018; CPC G06Q 30/0226; 12 claims; assigned to Visa International Service Association.

ABSTRACT: A computing apparatus includes: a transaction handler configured to process transactions in a payment processing network; a data warehouse configured to store transaction data recording the transactions processed at the transaction handler; a profile generator configured to generate, based on the transaction data, a profile including business activity data configured to identify a time period of active business, and a portal configured to communicate with a search engine to enhance search results using the business activity data.

PATENT: Unified product catalog data retrieval and modification; US 10,055,770 B2; 8/21/2018; CPC G06Q 30/0601; 16 claims; assigned to Bank of America Corporation.

ABSTRACT: Embodiments for providing a unified catalog include systems and methods that import catalog data from one or more underlying catalog systems. The systems identify items from the catalog data and modify at least one of item descriptions, item names, product categories, and item identifiers associated with the identified items. The systems further provide a unified user interface to a user for browsing the items, receive a request for at least one product selected by the user from the items, and send an order for the at least one selected product to the one or more catalog systems.

PATENT: Systems and methods for linking orders in electronic trading systems; US 10,055,787 B2; 8/21/2018; CPC G06Q 40/04; 20 claims; assigned to BGC Partners, Inc.

ABSTRACT EXCERPT: Systems and methods for linking orders in electronic trading systems are provided. These systems and methods enable a trader to select two or more items that are to be linked and specify linking parameters for those items. Any desired set of items may be linked, and the linking parameters may include price adjustments, order sequencing instructions, automatic/manual execution controls, execution delays commands, and update frequency limits. Upon detecting a bid or offer for a linked item, the systems and methods may then determine a size and a price for each linked item based upon the size and the price of the bid or offer for the first linked item.

PATENT: Systems, methods, and computer-readable storage media for calculating a housing volatility index; US 10,055,788 B2; 8/21/2018; CPC G06Q 40/04; 20 claims; assigned to Federal Home Loan Mortgage Corporation.

ABSTRACT EXCERPT: Systems, methods, and computer-readable media are disclosed for calculating a housing volatility index. An exemplary embodiment includes accessing stored property value data reflecting first values of real estate properties during a first time period and second values of the real estate properties during a second time period.

PATENT: System and method for quick quote configuration; US 10,055,789 B2; 8/21/2018; CPC G06Q 40/04; 20 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: A method and system are described for providing a trader with the ability to quickly configure the quoting side of a trading tool, without experiencing the normal delays associated with conventional methods of quoting. In spread trading, an automated spread trading tool may automatically work an order to buy or sell a tradeable object. A user may configure the trading tool to work an order in a certain tradeable object first. The system allows the user to essentially on-the-fly configure the trading tool to work a second order in another tradeable object, and in response to the change, the system can take specific actions such as deleting the order in the first tradeable object and automatically entering the second order in the other tradeable object. This allows the trader to trade quickly and efficiently.

PATENT: System and method for coalescing market data at a client device; US 10,055,790 B2; 8/21/2018; CPC G06Q 40/04; 13 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: A client device coalesces data received from an exchange, and provides a client application such as a graphical user interface with the opportunity to process fewer, but up-to-date, data updates from an exchange when a large volume of prices becomes available. Accordingly, the trader can be assured of receiving updated information that are fed to the client applications at a rate that is cohesive with that client device's processing speed.

PATENT: Trading availability utilizing alternate messaging channels; US 10,055,791 B2; 8/21/2018; CPC G06Q 40/04; 12 claims; assigned to Trading Technologies International, Inc.

ABSTRACT EXCERPT: Certain embodiments provide a method including determining a communication state of a trading device, the communication state based on one or more factors including a measured signal strength of a first channel, the trading device configured to utilize at least one of a first channel and a second channel to communicate. The example method includes comparing the communication state to a communication criterion. The example method includes reconfiguring, based on the comparison of the communication state to the communication criterion, the trading device from transmitting using only the first channel to transmitting using both the first channel and the second channel.

PATENT: Systems and methods for providing a benefit product with periodic guaranteed minimum income; US 10,055,795 B2; 8/21/2018; CPC G06Q 40/08; 20 claims; assigned to Genworth Holdings, Inc.

SUMMARY: The present invention relates generally to systems and methods for providing a user with guaranteed minimum income payments and, more particularly, to systems and methods for guaranteeing minimum periodic income payments in association with a benefit product.

PATENT: Transaction systems and associated methods for enhanced account balance and status management; US 10,049,348 B2; 8/14/2018; CPC G06Q 20/10; 10 claims; assigned to MasterCard International Incorporated.

ABSTRACT: The present invention relates generally, but not exclusively, to prepaid account transaction infrastructures, particularly in the context of transit payments using a pay as you go functionality, but they are also applicable more broadly. Such infrastructures primarily enable users to synchronise account balances and statuses between a financial institution responsible for managing the account and another third party (such as a transit agency) and/or transfer data from the third party to another merchant location, this data may be written to the card for subsequent use in the third party's systems.

PATENT: Element level presentation of elements of a payment instrument for exceptions processing; US 10,049,350 B2; 8/14/2018; CPC G06Q 20/102; 18 claims; assigned to Bank of America Corporation.

ABSTRACT: Disclosed are systems, methods, and computer program products that provide for element level presentation of elements of a payment instrument for exceptions processing. More specifically, the invention involves identifying an exception element from an image of a financial document, determining the location of the exception element based on its coordinates within the image of the financial document, and providing a zoomed-in view of the exception element to the user along with information and resources to allow a user to conveniently conduct accurate analysis of the exception element. The system then receives a correct element from the user to replace the exception element, and then processes the financial document using the replaced correct element instead of the exception element.

Frip: My Mom always told me I was an exception.

PATENT: Embedding cloud-based functionalities in a communication device; US 10,049,353 B2; 8/14/2018; CPC G06Q 20/3227; 20 claims; assigned to Visa International Service Association.

ABSTRACT: Techniques for enhancing the security of a communication device may include providing an application agent and a transaction application that executes on a communication device. The application agent may receive, from the application, a cryptogram key generated by a remote computer, and store the cryptogram key on the communication device. When the application agent receives a request to conduct a transaction from the application, the application agent may generate a transaction cryptogram using the cryptogram key, and provides the transaction cryptogram to an access device.

PATENT: Interoperable mobile wallet refund; US 10,049,355 B1; 8/14/2018; CPC G06Q 20/367; 6 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT EXCERPT: computer-implemented system and method that includes receiving, by a messaging hub computer system, from a point of sale (POS) device of a merchant, a request to process a refund for a transaction that occurred between the merchant and a mobile device of a payor, the request comprising a previously used code that was exchanged between the POS device and the mobile device.

PATENT: Secure communication of payment information to merchants using a verification token; US 10,049,360 B2; 8/14/2018; CPC G06Q 20/4014; 17 claims; assigned to Visa International Service Association.

ABSTRACT: Disclosed are apparatuses, systems, and methods pertaining to the secure communication of payment information from portable consumer devices, such as credit cards, to online merchants using verification tokens.

PATENT: Systems and methods of voice authentication in transactions; US 10,049,362 B2; 8/14/2018; CPC G06Q 20/40145; 20 claims; assigned to MasterCard International Incorporated.

ABSTRACT: There is provided a method of authenticating data, comprising the following elements. Firstly, a voice biometric system is trained to identify a user from a message spoken by the user. Then a spoken message is received from the user, the spoken message comprising word content to be authenticated. The word content is then authenticated by using the voice biometric system to identify the user, and thereby authenticating the word content in the spoken message as word content spoken by the identified user. Suitable apparatus and systems are also disclosed.

PATENT: System and method for payment with rewards currency at the point of sale; US 10,049,376 B1; 8/14/2018; CPC G06Q 30/0238; 18 claims; assigned to JPMorgan Chase Bank, N.A.

ABSTRACT EXCERPT: The invention relates to a computer-implemented system and method for enabling the use of rewards cash or points with a mobile device at a merchant's point of sale device, according to one example.

PATENT: System and method for intelligent gift registry; US 10,049,399 B1; 8/14/2018; CPC G06Q 30/0631; 9 claims; assigned to JPMorgan Chase Bank, N.A.

ABSTRACT: Systems and methods for intelligent gift registries are disclosed. In one embodiment, a method for using an intelligent gift registry may include: (1) receiving, from a gift receiver, an identification of at least one gift receiver interest; (2) receiving, from a gift giver, an identification of at least one gift giver interest; (3) at least one computer processor generating a gift giving suggestion list comprising at least one gift giving suggestion and based on the at least one gift receiver interest and the at least one gift giver interest; (4) providing, to the gift giver, the gift suggestion list; and (5) receiving, from one of the gift giver, a gift selection.

PATENT: ATM privacy system and method; US 10,049,402 B1; 8/14/2018; CPC G06Q 40/00; 16 claims; assigned to JPMorgan Chase Bank, N.A.

ABSTRACT: Embodiments of the invention are related generally to systems and methods for providing increased security at Automated Teller Machines ("ATMs") through the use of "smart glass" barriers. The system provides for increased security at ATMs by decreasing the transparency in glass panels which partially or completely enclose an ATM. In the present invention, a change in electrical current is delivered to the glass panel. The change in electrical current functions to decrease the transparency of the transparent glass panel, at least partially restricting the view of the user at the automated teller machine. Thus, the user may securely complete the transaction. In embodiments of the invention, the interior and exterior sides of the glass panels may also function as a high definition projection screens, and may be used to present displays to the user and/or to others.

PATENT: Transaction identification in a network environment; US 10,049,403 B2; 8/14/2018; CPC G06Q 40/02; 14 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: In one embodiment, a system for analyzing and reporting electronic transactions in a network environment includes an interface that may receive a transaction request at a first network device. A processor communicatively coupled to the interface may execute a task associated with the transaction request generate a transaction report associated with the transaction request and the task.

PATENT: Methods and systems to prevent adverse exchange limit effects; US 10,049,404 B2; 8/14/2018; CPC G06Q 40/04; 9 claims; assigned to Trading Technologies International, Inc.

ABSTRACT EXCERPT: Methods and systems to prevent adverse exchange limit effects are disclosed. An example method of message management includes tracking, at a gateway, a transaction count of trade messages communicated to an exchange via an exchange link. The example method includes defining a first transaction limit based on the transaction count, and calculating a second transaction limit as a function of the first transaction limit, wherein the second transaction limit is to correspond to a reserve capacity associated with the exchange link. The example method includes assigning a message priority to each of a plurality of trade messages to communicate to the exchange.

PATENT: System and method for specified pool trading; US 10,049,405 B2; 8/14/2018; CPC G06Q 40/04; 24 claims; assigned to Tradeweb Markets LLC.

ABSTRACT EXCERPT: A computer system and related methods configured to store and deliver, upon request, information related to asset-backed security pools, and execute transactions between one or more parties relating to the same. The system generally comprises a computer and a network interface that includes a data storage system in communication with the computer, the data storage system storing information relating to the securities, and account information related to at least one or more parties.

PATENT: System for sharing retirement scores between social groups of customers; US 10,049,406 B2; 8/14/2018; CPC G06Q 40/06; 17 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to create a social network group, receive a request for the user to join the social network group, receive financial information of the user. Based on the financial information of the user, determine the projected retirement score of the user.

PATENT: Linking data from multiple market participants to generate a consolidated audit trail; US 10,049,409 B1; 8/14/2018; CPC G06Q 40/12; 19 claims; assigned to JPMorgan Chase Bank, N.A.

SUMMARY: In an aspect of the present disclosure, a processing device receives, from a first market participant and with respect to a first transaction, first transaction information, the first transaction information including (a) an identity of a beneficiary of the first transaction and (b) one or more first transaction parameters associated with the first transaction, generates an audit trail with respect to the first transaction, the audit trail including the first transaction information, receives, from a second market participant and with respect to the first transaction, second transaction information, the second transaction information including one or more second transaction parameters associated with the first transaction, links the second transaction information with the audit trail, processes the second transaction information and the audit trail to identify a discrepancy; and initiates one or more first actions based on the discrepancy.

PATENT: Method and apparatus for providing a balance-verified ACH identifier; US 10,043,160 B2; 8/7/2018; CPC G06Q 20/023; 16 claims; assigned to Bank of America Corporation.

SUMMARY: This invention relates to Automated Clearing House ("ACH") transactions. More specifically, this invention relates to ACH transactions at a point-of-sale ("POS") and methods to increasing the credibility of ACH transactions for merchants.

PATENT: Method for controlling financial chip of payment device; US 10,043,163 B2; 8/7/2018; CPC G06Q 20/105; 11 claims; assigned to Shinhancard Co., Ltd., Seoul (KR); KB Kookmincard Co., Ltd., Seoul (KR); Hyundai Card Co., Ltd., Seoul (KR); Samsung Card Co., Ltd., Seoul (KR); Lotte Card Co., Ltd., Seoul (KR); and Nonghyup Bank, Seoul (KR).

ABSTRACT EXCERPT: Disclosed is a method for controlling a financial chip of a payment device, in which information for multiple cards is stored in a single USIM chip, to enable the payment device to use credit cards from multiple card companies as a payment means.

PATENT: System and method for facilitating a transaction between a merchant and a cardholder; US 10,043,164 B2; 8/7/2018; CPC G06Q 20/12; 27 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: The system comprises an electronic storage device having a database of cardholder profile information and location information stored therein; an access path for allowing access to the cardholder profile information and location information; and a processor for assembling the cardholder profile information and location information in the database, and for providing the assembled cardholder profile information and location information to a merchant and a cardholder that have been granted access to the database.

Frip: Ho Hum.

PATENT: System and method for providing warning and protection for bill payments; US 10,043,166 B1; 8/7/2018; CPC G06Q 20/14; 18 claims; assigned to USAA.

ABSTRACT EXCERPT: In an example, a computerized method, and system for performing the method can include receiving data about a plurality of payments to be paid by at least one party, the data includes at least one penalty associated with at least one of the payments, ranking the payments based at least partially upon the penalty and determining an order for the payments to be paid.

PATENT: Mobile point-of-sale (POS) techniques; US 10,043,167 B2; 8/7/2018; CPC G06Q 20/20; 10 claims; assigned to NCR Corporation.

ABSTRACT: Mobile POS techniques are presented. A POS interface is configured and distributed to a mobile device over a network connection. The POS interface is a self-contained retail transaction system for a retailer. The mobile device is configured to execute the retail transaction system providing remote network or cloud-based services for data retrieval, and data storage to the retail transaction system on the mobile device. One or more retail transactions are processed on the mobile device via the POS interface.

PATENT: System and method for performing automatic payment transactions; US 10,043,171 B2; 8/7/2018; CPC G06Q 20/32; 26 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: A method and system of conducting a payment transaction including receiving, by a payment platform, a verification query including payment profile identification information and a payment request. The payment request includes merchant information. The payment profile identification information is obtained from a payment device using wireless communication. The payment device is associated with a payer, and the payment transaction is initiated in response to the presence of the payment device in a predetermined payment charging area.

PATENT: Enhanced near field communications attachment; US 10,043,175 B2; 8/7/2018; CPC G06Q 20/3278; 14 claims; assigned to Capital One Financial Corporation.

ABSTRACT: A secure fob that enables a user to pay for an item or items without needing to present a mobile device. A secure fob may include a proximity capability to ensure that a mobile device is within a particular range, thereby eliminating the risk of fraudulent charges on a stolen fob. In such an embodiment, a fob may be disabled if the fob is not paired with the mobile device by virtue of being disconnected and/or physically separated from the mobile device. The secure fob also may include enhanced features to authorize transactions and locate the mobile device and/or the secure fob.

PATENT: Device, system and method for reducing an interaction time for a contactless transaction; US 10,043,177 B2; 8/7/2018; CPC G06Q 20/352; 18 claims; assigned to Visa International Service Association.

ABSTRACT: Methods, devices, and systems are described for sending and receiving messages between a terminal reader and a payment device, such as a credit card. A dynamic signature is calculated on the payment device from an application transaction counter, a terminal unpredictable number, and a transaction amount, and it is sent with an application the locator (AFL) to the reader. The reader then sends a read record command to the payment device to get records associated with the AFL, among other normal processing. While the normal processing is occurring for the transaction, the dynamic signature can be recalculated and compared with that from the payment device in order to assure that nothing has surreptitiously changed the values in the messages.

PATENT: Secure mobile payment system; US 10,043,178 B2; 8/7/2018; CPC G06Q 20/385; 21 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: The present invention provides a method for conducting a transaction that includes receiving a pseudo account identifier that corresponds to a primary account identifier. The pseudo account identifier may be received at a portable wireless device and may be generated by a remote server computer. The portable wireless device can receive the pseudo account identifier over a first network and provide the pseudo account identifier to an access device. The access devices generally comprises a reader that can receive the pseudo account identifier, and thereafter send a message to request authorization of a transaction.

PATENT: Systems and methods for processing off-network transaction messages; US 10,043,181 B2; 8/7/2018; CPC G06Q 20/40; 29 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: A computer-implemented method for applying payment services to a payment transaction over a first payment network using a payment services computer system hosted on a second payment network is provided. The method includes receiving a service request at the payment services computer system from a requestor. The service request has a first format that is readable by the second payment network. The method includes determining, at the payment services computer system, the payment services the service request is registered to receive. The method includes processing the service request by applying the registered payment services to the service request.

PATENT: Organic light emitting diode (“OLED”) visual authentication circuit board; US 10,043,183 B2; 8/7/2018; CPC G06Q 20/4014; 20 claims; assigned to Bank of America Corporation.

ABSTRACT: A circuit board that includes OLED display technology is provided. An OLED display may present light patterns recognizable by a hearing or visually impaired users. The light pattern may be customized by the user. A specific workflow may be associated with a specific light pattern. A light pattern may visually guide a user through a workflow. For example, different menu options may be color coded. High consequence changes may flash with a certain light sequence or pattern. Trusted devices may present a specific light pattern or matrix at "login" time to confirm that the user is accessing a trusted device.

PATENT: Secure authentication system and method; US 10,043,186 B2; 8/7/2018; CPC G06Q 20/409; 20 claims; assigned to Visa International Service Association.

ABSTRACT: Methods and systems pertaining secure transaction systems are disclosed. In one implementation, a computer with a verification token associated with a computer can send user authentication data as well as a secure datum to a control server. The verification token may obtain the secure datum from a validation entity. The control server can validate the secure datum and authentication data and can generate a payer authentication response.

PATENT: Fraud detection database; US 10,043,189 B1; 8/7/2018; CPC G06Q 30/0185; 20 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: Embodiments of techniques or systems for fraud detection are provided herein. A communication may be received where the communication includes one or more voice signals from an individual. Frequency responses associated with these voice signals may be determined and analyzed and utilized to determine whether or not potential fraudulent activity is occurring. For example, if a frequency response is greater than a frequency threshold, potential fraudulent activity may be determined. Further, frequency responses may be cross referenced with voice biometrics, voice printing, or fraud pathway detection results. In this way, voice stress or frequency responses may be utilized to build other databases related to other types of fraud detection, thereby enhancing one or more aspects of fraud detection. For example, a database may include a voice library, a pathway library, or a frequency library which include characteristics associated with fraudulent activity, thereby facilitating identification of such activity.

PATENT: Fraud detection database; US 10,043,190 B1; 8/7/2018; CPC G06Q 30/0185; 18 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: [Same as preceding patent]

PATENT: Method and system for consumer transactions using voice or human based gesture actions; US 10,043,209 B2; 8/7/2018; CPC G06Q 30/0641; 29 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A method of initiating a consumer transaction using a human interaction device to read voice or human based gesture actions is disclosed. Video data is transmitted from a processing device to a display device. The video is monitoring for event data corresponding to a plurality of consumer products or services, and monitored event data is received in the processing device. A consumer is notified on the display device of an eligible consumer transaction. Voice or human based gesture actions are read with a human interaction device and are analyzed. If the voice or human based gesture actions conform to a predetermined set of requirements, then a consumer transaction for the plurality of consumer products or services is initiated.

PATENT: System and method for a trading interface incorporating a chart; US 10,043,215 B2; 8/7/2018; CPC G06Q 40/04; 15 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: A graphical interface and method are provided for displaying market information corresponding to a tradable object. One graphical interface includes a chart region for displaying historical market data in relation to a first value axis, and a market grid region in alignment with the chart region. The market grid region comprises a plurality of areas for receiving commands from a user input device to send trade orders, and the areas are displayed in relation to a second value axis. A plurality of values displayed along the second value axis is a subset of values displayed in relation to the first value axis, and can be modified to a new plurality of values that corresponds to a new subset of values on the first value axis.

PATENT: 3-D graphical visualization of diversification of portfolio holdings; US 10,043,216 B2; 8/7/2018; CPC G06Q 40/06; 18 claims; assigned to The Vanguard Group, Inc.

ABSTRACT: Data visualization processes are provided for expressing diversification of an investment based on each underlying holding weight in the investment relative to each holding's market capitalization weight in the investment and each holding's market capitalization weight in the broad market or by its absolute holding percentage. Visualizations can be depicted in both 2-D and 3-D formats, with area fill, volume fill, color, and/or opacity depicting percentage of coverage. Visualization can show diversification down to the individual holding level and in aggregate levels, such as mega-cap, mid-cap and small-cap.

PATENT: Systems and methods for driver authentication through embedded sensing; US 10,037,515 B1; 7/31/2018; CPC G06Q 20/18; 20 claims; assigned to JPMorgan Chase Bank.

ABSTRACT EXCERPT: In one embodiment, a system for driver authentication through embedded sensing may include a vehicle that may include a plurality of sensors, each sensor sensing at least one of a characteristic of a vehicle occupant and a movement of the vehicle occupant; at least one computer processor executing a computer application, the computer application receiving and processing data from the plurality of sensors; and a communication interface.

Frip: So what is JP doing patenting a sensing system for driver authentication.

PATENT: Over the air update of payment transaction data stored in secure memory; US 10,037,523 B2; 7/31/2018; CPC G06Q 20/32; 23 claims; assigned to Visa International Service Association.

SUMMARY: Embodiments of the present invention are directed to a system, apparatus, and method for using a contactless element (such as a contactless smart chip) as part of a payment transaction.

PATENT: Method and system for authorizing card account transactions by geographic region; US 10,037,534 B2; 7/31/2018; CPC G06Q 20/405; 19 claims; assigned to Capital One Financial Corporation.

ABSTRACT: A method and system for authorizing card account transactions by geographic region by providing data for a user interface displaying geographic regions and merchant locations each corresponding to the location of a merchant where a transaction using a card account may be initiated, receiving a user interface selection representing a request to authorize or restrict card account transactions, receiving authorization requests for desired transactions, and authorizing or restricting the transactions in accordance with the request.

PATENT: Systems and methods for detecting transaction card fraud based on geographic patterns of purchases; US 10,037,532 B2; 7/31/2018; CPC G06Q 20/4016; 26 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: A computer-implemented method for detecting potentially fraudulent cardholder transactions is implemented by a fraud detection computer system in communication with a memory.

PATENT: Loyalty program parameter collaboration; US 10,037,535 B2; 7/31/2018; CPC G06Q 30/00; 27 claims; assigned to Visa U.S.A. Inc.

ABSTRACT: Collaborative constituents collaborate to develop a loyalty program within a transaction processing system. Transmissions addressed to the collaborative constituents are formed and received from the collaborative constituents containing suggested parameters for the loyalty program.

PATENT: Method and system for monitoring and detecting fraud in targeted benefits; US 10,037,541 B1; 7/31/2018; CPC G06Q 30/0225; 20 claims; assigned to JPMorgan Chase Bank.

SUMMARY: The present invention relates generally to detecting, monitoring and investigating fraudulent activity, and more specifically to identifying potential fraud in transactions involving targeted benefits.

PATENT: Automated teller machine (ATM) interface; US 10,037,542 B2; 7/31/2018; CPC G06Q 30/0241; 14 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT EXCERPT: One or more embodiments of techniques or systems for intelligent data presentation are provided herein. Data can be presented on similar devices having different characteristics in different manners. For example, data may be rendered in a first manner on a first device having one monitor, the same data may be rendered in a second manner on a second device having two displays or a different display size. Financial information, sales data, banking information, etc. may be presented in a variety of ways based on capabilities or properties of a device accessing the information or data.

PATENT: Systems and methods for managing lists using an information storage and communication system; US 10,037,561 B1; 7/31/2018; CPC G06Q 30/0633; 21 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT EXCERPT: A system includes a processor and an information wallet application stored on machine readable storage media coupled to the processor and including program logic that causes the processor to receive a shopping list from a first information wallet adapter stored on a user computing device, send the shopping list to a second information wallet adapter stored on a merchant computing device, receive merchant data from the second information wallet adapter, wherein the merchant data includes one of price data and quantity data for at least one item included in the shopping list, and send the merchant data to the first information wallet adapter.

PATENT: Trading tools for electronic trading; US 10,037,567 B2; 7/31/2018; CPC G06Q 40/04; 18 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: Tools for trading and monitoring a commodity on an electronic exchange using a graphical user interface and a user input device. The tools will aid the trader in determining the status, trends in the market, and the trader's position in the market.

PATENT: Method and apparatus for managing orders in financial markets; US 10,037,568 B2; 7/31/2018; CPC G06Q 40/04; 99 claims; assigned to IP Reservoir, LLC.

ABSTRACT: An integrated order management engine is disclosed that reduces the latency associated with managing multiple orders to buy or sell a plurality of financial instruments. Also disclosed is an integrated trading platform that provides low latency communications between various platform components. Such an integrated trading platform may include a trading strategy offload engine.

PATENT: System and method for prioritized data delivery in an electronic trading environment; US 10,037,570 B2; 7/31/2018; CPC G06Q 40/04; 15 claims; assigned to Trading Technologies International, Inc.

ABSTRACT EXCERPT: A system and method for prioritized data delivery in an electronic trading environment are described herein. According to one example embodiment, by prioritizing the messages associated with a tradable object, the bandwidth and system resource usage may be optimally reduced, and any loss of priority content in the messages sent between the network device and the client device may be reduced.

PATENT: System and method for reducing the risks involved in trading multiple spread trading strategies; US 10,037,571 B2; 7/31/2018; CPC G06Q 40/04; 24 claims; assigned to Trading Technologies International, Inc.

ABSTRACT EXCERPT: System and methods for reducing the risks involved in trading multiple spread trading strategies in an electronic trading environment are provided. Specifically, reducing the risks involved in trading multiple spreads that share a leg by, among other things, quoting a single order in the shared leg instead of quoting orders for each of the corresponding spread legs. Based on the computed quote price for the single order, associating the single order with the leaned on price that results in the price closest to the inside market in the shared leg.

PATENT: System and method for multi-market risk control in a distributed electronic trading environment; US 10,037,572 B2; 7/31/2018; CPC G06Q 40/04; 19 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: A system and method are provided for distributed risk management. According to one example embodiment, a central risk controller is provided that can communicate with a plurality of local risk management modules located at a plurality of gateways. The central risk controller may allocate a portion of a central account balance associated with a trading account to each local risk management module. Then, as the trades are made using the trading account, the local risk management modules may manage risk associated with the trades until the local account balance is insufficient.

PATENT: Processing binary options in future exchange clearing; US 10,037,573 B2; 7/31/2018; CPC G06Q 40/04; 20 claims; assigned to Chicago Mercantile Exchange, Inc.

ABSTRACT EXCERPT: Systems and methods are disclosed for processing binary options (also referred to as digital options) in existing clearing systems, such as futures clearing systems. The binary option is treated, or processed, similar to standard options on a non-tradeable cash-settled underlying futures contract. A hypothetical instrument, referred to as a book instrument is created to facilitate clearing of the binary option. The book instrument has an expiration date after the expiration of the binary option, such as the day after the expiration of the binary option. For each binary option that expires in the money, a transaction is created for the book instrument future.

PATENT: Systems and methods to display chart bars with variable scaling and/or aggregation; US 10,037,574 B2; 7/31/2018; CPC G06Q 40/04; 16 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: Example methods, apparatus, and computer readable storage media are described and disclosed. An example method includes receiving market data related to a tradeable object offered at an exchange, aggregating a first data subset of the market data for a first period, and aggregating a second data subset of the market data for a second period. The second period represents a period of time different from the first period. The example method includes defining a first bar based on the first data subset and a first bar-width, and defining a second bar based on the second data subset and a second bar-width. The second bar-width is related to the first bar-width based on a width-scaling factor. The example method includes displaying the first bar and the second bar in the window, wherein the first bar and the second bar are separated by a bar-spacing.

PATENT: System and method for displaying market data in an electronic trading environment; US 10,037,575 B2; 7/31/2018; CPC G06Q 40/04; 18 claims; assigned to Trading Technologies International, Inc.

ABSTRACT EXCERPT: A trading interface is provided for displaying market data related to a tradeable object being traded at an electronic exchange. According to one example embodiment, market data related to a tradeable object is displayed in relation to a value axis, such as a price axis. As new market data is received, the displayed market data is updated and may be repositioned so that a trader can view current market conditions in a viewable portion of the interface. The interface also includes a number of market movement indicators that assist a trader in tracking market movement.

PATENT: Visualization of changes through the use of graphical geometric shapes; US 10,037,576 B2; 7/31/2018; CPC G06Q 40/04; 18 claims; assigned to CFPH, LLC.

ABSTRACT: Methods and systems are disclosed for determining changes or revisions to a set of data and providing a user with a computerized graphical depiction of these changes through the use of multiple geometric shapes, the positioning of which shapes relative to one another and the size of which shapes relative to one another depict the changes to the user.

PATENT: System and method for graphically displaying market related data using fixed sized bars; US 10,037,577 B2; 7/31/2018; CPC G06Q 40/04; 10 claims; assigned to Trading Technologies International, Inc.

ABSTRACT EXCERPT: A system and method are provided for displaying market related data, such as traded volume at each price level, or any other trader-selected values, using one or more fixed size bars. In one preferred embodiment, a graphical display interface is provided and includes a plurality of fixed size bars that display traded volume at different price levels. In such an embodiment, the length of each bar may correspond to a predefined maximum value, and each bar may be progressively color-coded using a first graphical format to represent traded volume that is lower than the maximum value.

PATENT: Mobile device holding mechanism for multiple check duplex image capture; US 10,032,141 B1; 7/24/2018; CPC G06Q 20/042; 20 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: Systems and methods for preparing customer check deposit requests with a mobile device and a reflective surface are described. A check frame is positioned between a customer mobile device with a built-in camera and a mirror such that, when a check is placed in the check frame, the camera can view both sides of the check simultaneously. The camera can take a single picture that includes both sides of the check, process it, and submit it as a check deposit request to the customer's financial institution.

PATENT: Systems and methods for enhanced dining and other experiences using a mobile device; US 10,032,144 B1; 7/24/2018; CPC G06Q 20/102; 17 claims; assigned to JPMorgan Chase Bank, N.A.

ABSTRACT: Systems and methods for enhanced dining experiences, and other experiences, using a mobile device are disclosed. In one embodiment, the system (1) monitors providing at least one good or service to the customer during the event; the system (2) performing processing to determine cardless payment feature availability including: (a) determining a probable spend of the customer for the event; (b) determining a probable spend acceptable threshold (PSAT) for the event; (c) comparing the probable spend of the customer versus the PSAT, and based on such comparing, determining that the probable spend is within PSAT and, based on such determination, determining that the cardless payment feature is available to the customer; the system (3) generating an invoice; (4) transmitting the invoice to the customer's messaging address; (5) receiving, over the at least one network, an approval for the invoice; and the system (6) charging the customer's account.

Frip: Really! A patent on enhanced dining.

PATENT: Mobile device with disabling feature; US 10,032,157 B2; 7/24/2018; CPC G06Q 20/3278; 20 claims; assigned to Visa U.S.A. Inc.

ABSTRACT: A method and system for payments for mobile phone payments with a disabling feature is disclosed. The method includes activating a mobile phone containing contactless payment systems, and having a timeout feature disable the contactless payment systems after a set period of time.

PATENT: Isolating distinct service provider widgets within a wallet container; US 10,032,160 B2; 7/24/2018; CPC G06Q 20/3674; 16 claims; assigned to MasterCard Mobile Transactions Solutions, Inc.

ABSTRACT: Isolating distinct service provider widgets within a wallet container is accomplished by configuring a widget to provide access to an issuer-specific service group of services that are accessible in a service tier of a multi-tier platform for providing secure transactions, determining widget isolation requirements for operating the widget, configuring a widget descriptor with the isolation requirements, and communicating with the configured widget that has been deployed on a mobile device to provide at least one service from the issuer-specific service group.

Frip: Never have figured out what a widget is.

PATENT: Secure validation of financial transactions; US 10,032,168 B2; 7/24/2018; CPC G06Q 40/4016; 14 claims; assigned to FMR LLC.

ABSTRACT EXCERPT: Methods and apparatuses, including computer program products, are described for secure validation of financial transactions. A server computing device registers a mobile device to receive notification messages from the server computing device. The server computing device transmits a notification message via a first communication channel to a notification agent executing on the registered mobile device, where the message identifies activity associated with a financial account of a user of the registered mobile device.

PATENT: Customized lending product system and method; US 10,032,218 B1; 7/24/2018; CPC G06Q 40/025; 18 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT EXCERPT: A computer-implemented method includes providing an application form configured for electronic display and data entry, receiving loan application data via the form, and providing selectable lending product features based on the loan application data. The selectable lending product features include an approved range of selectable credit options. Each of the selectable credit options has a different associated amount of required collateral.

PATENT: Secure exchange feed market data embargo; US 10,032,219 B2; 7/24/2018; CPC G06Q 40/04; 19 claims; assigned to Chicago Mercantile Exchange, Inc.

ABSTRACT: Methods, devices, and systems for communicating market data with market participants involve obfuscating at least a portion of a first financial message. Communicating the market data also involves augmenting a second financial message with a key configured to remove the obfuscation from the obfuscated portion of the first financial message. The market data is ultimately communicated by transmitting the first financial message to a particular participant, and transmitting the second message to a plurality of participants. The particular participant may then use the key from the second financial message to remove the obfuscation of the first financial message.

PATENT: Switching layer for trading on global markets; US 10,032,220 B2; 7/24/2018; CPC G06Q 40/04; 24 claims; assigned to FIDESSA PLC (GB).

ABSTRACT: Techniques for managing and routing market orders across a global trading system. Each trading node can be associated with one or more markets and each node can be configured to provide market access to each market associated with a node in the system. Each trading node can be connected, via a network, to a global switching layer. The global switching layer can route requests, such as orders and the like, from an end user associated with one of the plurality of nodes to a corresponding exchange or market. The global switching layer can be configured to dynamically provide, to each end user, a user interface element corresponding to each trading node.

PATENT: Exchange feed for trade reporting having reduced redundancy; US 10,032,221 B2; 7/24/2018; CPC G06Q 40/04; 23 claims; assigned to Chicago Mercantile Exchange, Inc.

ABSTRACT EXCERPT: The disclosed embodiments relate to communication of financial messages from an Exchange to market participants whereby messages, or at least a portion of the content thereof, indicative of changes in the market, due to one or more trades between two or more market participants, are structured so as to reduce redundant data therein and prioritize the transmission of that portion of the message which summarizes the event and result thereof.

PATENT: Generating market information based on causally linked events; US 10,032,222 B2; 7/24/2018; CPC G06Q 40/04; 18 claims; assigned to Trading Technologies International, Inc.

ABSTRACT EXCERPT: Certain embodiments provide systems, apparatus, and methods to analyze incoming data messages and create market information constructs. An example method includes receiving a data message including an instruction to initiate a market event. The example method includes evaluating the instruction to determine whether it is associated with two or more causally linked market events. The example method also includes classifying the instruction based on the evaluating as part of a sequence of causally linked market events or as a single market event.

PATENT: System for account linking and future event integration into retirement score calculation; US 10,032,223 B2; 7/24/2018; CPC G06Q 40/06; 20 claims; assigned to Bank of America Corporation.

SUMMARY: In general, embodiments of the invention relate to retirement planning, in particular, embodiments of the invention relate to a framework for assessment of retirement planning by providing a retirement score for at least a first user and a second user based on the first and second user linking user profiles of the first user and the second user.

PATENT: Inferred matching of payment card accounts by matching to common mobile device via time and location data analysis; US 10,032,231 B2; 7/24/2018; CPC G06Q 40/12; 21 claims; assigned to MasterCard International Incorporated.

ABSTRACT: Payment card account transaction data sets and mobile device travel profiles are compared with each other to detect matches in terms of times and locations of use and/or presence. Such an analysis may link two or more payment card accounts to the same mobile device. Consequently, common ownership of the two or more payment card accounts may be reasonably inferred. Based on the inference of common ownership, marketing related analysis may be performed on a combined transaction data set that reflects transactions in both commonly owned payment card accounts.

PATENT: System and method for collecting and distributing digital receipts; US 10,026,065 B2; 7/17/2018; CPC G06Q 20/0453; 11 claims; assigned to Integrated Bank Technology, Inc.

SUMMARY: According to certain embodiments of the present invention, a method for coordinating the provision of a digital receipt associated with a financial transaction is provided. According to the method, a digital receipt and an identifier corresponding to the digital receipt (e.g., a globally unique identifier) are communicated from an acquirer and received at a digital receipt server. The digital receipt and the corresponding identifier may be communicated through a second network, such as the Internet. The digital receipt and the identifier corresponding to the digital receipt are then stored in the digital receipt server.

PATENT: Method and system of capturing an image of a card; US 10,026,074 B1; 7/17/2018; CPC G06Q 20/3276; 12 claims; assigned to Capital One Services, LLC.

ABSTRACT: A method and a system of capturing an image of a card having a magnetic stripe is provided. The method includes obtaining a first image by an imaging device of the card, obtaining a plurality of images of the card via color delta analysis, and obtaining a third image of the card by comparing the first and the plurality of images.

PATENT: Systems, methods, and computer readable media for payment and non-payment virtual card transfer between mobile devices; US 10,026,076 B2; 7/17/2018; CPC G06Q 20/351; 33 claims; assigned to MasterCard International Incorporated.

ABSTRACT: The subject matter described herein includes methods, systems, and computer readable media for virtual card transfer between near field communications (NFC)-enabled mobile devices. According to one aspect, a method for over-the-air (OTA) virtual card transfer between NFC-enabled mobile devices is disclosed. The method includes receiving, at an OTA provisioning server, a virtual card, from a sending mobile device, that is intended for a receiving mobile device. The virtual card is provisioned, over the air, to the receiving mobile device, where the virtual card is immediately presentable by the receiving mobile device at a point of sale terminal.

PATENT: Payment cards for multiple accounts, and methods associated therewith; US 10,026,077 B2; 7/17/2018; CPC G06Q 20/3572; 15 claims; assigned to MasterCard International Incorporated.

ABSTRACT: Provided is a payment card for multiple accounts. The card comprises a card member; a plurality of programmable chips, at least one of which is releasably attached to the card member; each programmable chip has an associated personal identification number (PIN); and a control chip operable for selecting one of the programmable chips to be active during a transaction.

PATENT: System and method for accessing multiple accounts; US 10,026,078 B1; 7/17/2018; CPC G06Q 20/3572; 15 claims; assigned to JPMorgan Chase Bank, N.A.

ABSTRACT EXCERPT: The invention relates to a system and method for accessing multiple accounts. According to one embodiment, the system includes an access device comprising a body in the form of a card; a processor housed in the body; a memory housed in the body and connected to the processor, wherein the memory stores information on the multiple accounts; a selection device housed in the body and adapted to allow a user to select one of the multiple accounts; a display housed in the body for displaying information identifying the selected account, wherein the processor is programmed to generate a signal to generate the information identifying the selected account in response to a user selecting one of the multiple accounts using the selection device; and a wireless transmitter and a wireless receiver housed in the body and connected to the processor.

PATENT: Selecting ecosystem features for inclusion in operational tiers of a multi-domain ecosystem platform for secure personalized transactions; US 10,026,079 B2; 7/17/2018; CPC G06Q 20/3674; 16 claims; assigned to MasterCard Mobile Transactions Solutions, Inc.

ABSTRACT: Selecting ecosystem features for inclusion in operational tiers includes taking a reference implementation of a specific application adapted to operate in a multi-domain computing ecosystem and, using a computer, breaking down the reference implementation into service related components, determining ecosystem participants for the reference implementation, and using a feature allocation engine to configure operational features that enable one of the service related components.

Frip: Huh?

PATENT: Method and system for linkage of blockchain-based assets to fiat currency accounts; US 10,026,082 B2; 7/17/2018; CPC G06Q 20/3829; 20 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A method for managing fractional reserves of blockchain currency includes: storing, in a first central account, a fiat amount associated with a fiat currency; storing, in a second central account, a blockchain amount associated with a blockchain currency; storing a plurality of account profiles, each profile including a fiat currency amount, blockchain currency amount, account identifier, and address; receiving a transaction message associated with a payment transaction, the message being formatted based on one or more standards and including a plurality of data elements, including a data element reserved for private use including a specific address and a transaction amount; identifying a specific account profile that includes the specific address included in the data element in the received transaction message; and updating the blockchain currency amount included in the identified specific account profile based on the transaction amount included in the data element in the received transaction message.

PATENT: Systems and methods for initiating and authorizing transactions using a detectable device; US 10,026,084 B2; 7/17/2018; CPC G06Q 20/40; 17 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: A system for initiating and authorizing a transaction including one or more memory devices storing instructions and one or more processors configured to execute the instructions to associate a detectable device with at least one financial account. The one or more processors may be further configured to receive a notification indicating that the detectable device is involved in a potential transaction initiated by a sensor device detecting the detectable device in an initiating action.

PATENT: Data passed in an interaction; US 10,026,087 B2; 7/17/2018; CPC G06Q 20/40; 20 claims; assigned to Visa International Service Association.

ABSTRACT: A method for providing first data and second data for an interaction is disclosed. The first data is beneficial to a first party and necessary for the interaction, while the second data is beneficial to a second party and is not necessary for the interaction. The first data and second data are provided by a first party device in a single data element. A second party device receives the single data element, separates the first data and second data, and processes the first data and second data separately.

PATENT: Real-time issuer bidding to compete for use of electronic payment instrument by consumer; US 10,026,117 B1; 7/17/2018; CPC G06Q 30/08; 27 claims; assigned to Intuit Inc.

ABSTRACT EXCERPT: Issuers of electronic payment instruments can bid or submit competing offers to consumers in real-time during a transaction to influence consumers selecting their electronic payment instruments to complete a pending electronic transaction. Requests for bids, issuer responses with offers or proposed terms (e.g., annual percentage rate, miles, points, cash back, etc.), analysis of competing issuer offers, and selection of an electronic payment instrument based on the offer analysis occur in real-time such as while the consumer is at an electronic payment device of a merchant.

Frip: Wow! Talk about holding up the checkout line.

PATENT: System for allowing external validation of data in a process data network; US 10,026,118 B2; 7/17/2018; CPC G06Q 40/00; 20 claims; assigned to Bank of America Corporation.

ABSTRACT: Systems, computer program products, and methods are described herein for a system for allowing external validation of data in a process data network. The present invention is configured to create a block chain of resource information based on at least aggregated information associated with past transfer of resources executed by an entity; receive an indication that the entity has executed a transfer of resources at a terminal; receive information associated with the transfer of resources based on at least receiving the indication that the entity has executed the transfer of resources; and update the block chain of transaction information with the transaction activity executed by the entity.

PATENT: System and method for controlled market data delivery in an electronic trading environment; US 10,026,122 B2; 7/17/2018; CPC G06Q 40/04; 26 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: A system and methods for controlled market data delivery are described. According to one example embodiment, upon detecting a preset threshold of updates in a queue at a gateway, a predetermined number of market updates may be processed before any data is sent to a client terminal. According to one method, update types may be used to control how many updates are processed before any data is sent. Also, once the number of updates to be processed is set, a market update having a higher priority update type may be used to trigger a change in the number of market updates that was set for processing.

PATENT: System and method for asymmetric offsets in a risk management system; US 10,026,123 B2; 7/17/2018; CPC G06Q 40/04; 20 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT EXCERPT: Conventional systems assign symmetrical offsets for products, that is, if two products have an 80% correlation they each would be assigned an offset of 80% with respect to each other. However, it is desirable to allow for asymmetrical offsets. In the disclosed system and method, when two products have a correlation of 80%, one may be assigned an offset of 75% and the other may be assigned an offset of 80%. There are many reasons to vary the offset between the products. The varying offset may reflect an asymmetry in the risk in one of the products, such as being traded in an illiquid market or in a less desirable venue. The varying offset may correct for an imbalance in spread credits due to special charges from intra spreading.

PATENT: Order grid highlighting; US 10,026,124 B2; 7/17/2018; CPC G06Q 40/04; 20 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT EXCERPT: Systems, methods and user interfaces are provided for order matrix management and highlighting. Market data may be arranged in a matrix where the market data may be highlighted and/or otherwise presented to provide further information to a user. In some cases a computer system may include a computer-readable medium containing computer-executable instructions that, when executed by one or more processors, cause a computing device to receive market data for a financial instrument.

PATENT: Time market grid interface; US 10,026,125 B2; 7/17/2018; CPC G06Q 40/04; 14 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: A system and method are provided for trading a tradeable object. One example apparatus includes a microprocessor, a graphical user comprising a first screen region having a plurality of locations in the first screen region, each location corresponding to a price level along a first axis and a time along a second axis. The apparatus also comprises a user input device for sending a command to initiate placement of a timed trade order, and an indicator being dynamically displayed in one of the plurality locations of the first screen region and corresponding to the timed order. In one example embodiment, the indicator dynamically moves over time relative to the second axis indicating a time until the order will be automatically sent to a computerized matching process.

PATENT: Deterministic and efficient message packet management; US 10,026,126 B2; 7/17/2018; CPC G06Q 40/04; 21 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT: Methods, devices, and systems for facilitation of deterministic management of a plurality of electronic message packets communicated to an application via a network from a plurality of message sources. The facilitation involves an electronic message packet from the network, determining data indicative of order the electronic message packet was received relative to previously received electronic message packets, and providing the order to the application.

PATENT: Dynamic generation of order entry fields on a trading interface; US 10,026,127 B2; 7/17/2018; CPC G06Q 40/04; 9 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: Some embodiments of the invention provide systems and methods for displaying market data for a tradable object which are configured to generate order entry fields for display responsive to user input wherein the generated fields are automatically associated with a price for the tradable object to facilitate the timely placement of a trade.

PATENT: Apparatuses, methods and systems for a volatility expiration index platform; US 10,026,128 B2; 7/17/2018; CPC G06Q 40/06; 15 claims; assigned to NYSE Group, Inc.

ABSTRACT: The Volatility Expiration Index Platform (“VEIP”) transforms user and market data inputs via VEIP components into Vol Ex Index publication and Vol Ex Index instrument communications outputs. A current reference security price may be determined for a reference security. A plurality of option strike prices may be derived from the current reference security price. Implied volatility and delta may be determined for options associated with each derived option strike price and used to calculate a delta-weighted implied volatility for each derived option strike price. A weighting for each derived option strike price may be determined and used along with the delta-weighted implied volatilities to calculate a volatility expiration index value for the reference security. Using the volatility expiration index value, a volatility expiration index financial instrument may be generated and introduced into a financial instrument exchange market.

PATENT: Adaptive enterprise workflow management system; US 10,019,684 B2; 7/10/2018; CPC G06Q 10/06316; 20 claims; assigned to Bank of America Corporation.

ABSTRACT: A centralized workflow management system is described that provides for the ability to manage workflows existing throughout a large enterprise regardless of the format of the workflow platform/system providing the workflows. The system and other embodiments provide for workflow extensibility, such that changes to existing workflows and/or addition of new workflows result in automatic adaption to all downstream and upstream workflows that are affected by the change or addition.

Frip: “Workflow extensibility.” Yes!

PATENT: Transaction card mode related to locating a transaction card; US 10,019,707 B1; 7/10/2018; CPC G06Q 20/341; 20 claims; assigned to Capital One Services, LLC.

SUMMARY: According to some possible implementations, a transaction card may include one or more processors to determine to initiate a mode associated with the transaction card. The mode may be related to locating the transaction card. The mode may be associated with outputting a first signal. The one or more processors may determine a manner in which to configure the mode based on a set of parameters. The set of parameters may include a power level of the transaction card, or a strength of a second signal associated with a connection between the transaction card and a device associated with the transaction card. The one or more processors may initiate the mode after configuring the mode. The one or more processors may determine to terminate the mode based on an indication that the transaction card has been located.

PATENT: System of anonymous user creation based on oblivious transfer; US 10,019,709 B2; 7/10/2018; CPC G06Q 20/38215; 19 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: Embodiments of the invention include systems, methods, and computer-program products for anonymizing a user utilizing oblivious transfer. In this way, the invention establishes a common index to identify members of a population sample, anonymizes the identities of sample members to each party, and exchanges statistics and characteristics of the sample population. The invention creates a common searchable index and anonymizes the sample members of the database via encryption of identification of individual customers in each sample.

PATENT: Customer-based associate interfaces; US 10,019,718 B2; 7/10/2018; CPC G06Q 30/016; 17 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: A computing system may generate a customer interface comprising a listing of transactions of a customer and one or more user-selectable options for the customer to utilize to identify a subset of the transactions relevant to an inquiry and may communicate the customer interface to a computing device associated with the customer.

PATENT: Systems and methods for providing a redeemable commerce object; US 10,019,723 B2; 7/10/2018; CPC G06Q 30/0215; 21 claims; assigned to Capital One Services, LLC.

ABSTRACT: A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method. The system may enable a first user to select a redeemable commerce object to be placed within a web page. The system may create the web page that includes a representation of the redeemable commerce object. A second user may be enabled to view the web page and select the redeemable commerce object in order to redeem it. The system may facilitate the transfer of value from to the second user upon redeeming the redeemable commerce object.

PATENT: Systems and methods for providing offers using a mobile device; US 10,019,725 B2; 7/10/2018; CPC G06Q 30/0239; 20 claims; assigned to Capital One Financial Corporation.

ABSTRACT: A wireless device is enabled to provide offers. The wireless device receives card data for a financial account card and stores the card data in a memory associated with the wireless device. Responsive to using the card data in a transaction at a first merchant location, the wireless device receives transaction line-item data from a computing system associated with the first merchant location. The wireless device determines merchant information for a second merchant location and determines an offer associated with the second merchant location based on the line-item data and the merchant information for the second merchant. The wireless device presents the offer when the wireless device is near the second merchant location.

PATENT: Systems and methods for throttling transaction processing based on constrained sub-systems; US 10,019,756 B2; 7/10/2018; CPC G06Q 40/00; 24 claims; assigned to MasterCard International Incorporated.

ABSTRACT: This disclosure relates generally to payment card transaction systems and, more specifically, to systems and methods for throttling processing steps associated with payment card transactions based on constrained sub-systems.

PATENT: Systems and methods for providing a customizable spreadsheet application interface for an electronic trading system; US 10,019,758 B2; 7/10/2018; CPC G06Q 40/04; 12 claims; assigned to CFPH, LLC.

ABSTRACT: Systems and methods for providing a customizable spreadsheet application interface for an electronic trading system or market data source. A customizable spreadsheet application using the application interface according to the invention may be executed or stored either at the client or at a server. In either case, a user is preferably provided with an spreadsheet interface that allows the user to implement a real time electronic trading model. The trading model may preferably be used to trade in the electronic trading system without additional user intervention.

PATENT: Real-time probability determination based on technical indicators in a financial instrument environment; US 10,019,759 B2; 7/10/2018; CPC G06Q 40/04; 20 claims.

SUMMARY: The claimed invention relates to financial instrument trading in general, and specifically to the process of providing real-time probability metrics for one or more financial instruments.

PATENT: System for utilizing a retirement score to receive benefits; US 10,019,760 B2; 7/10/2018; CPC G06Q 40/06; 18 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: Embodiments of the invention are directed to systems, methods, and computer program products utilizing a generated retirement score for use qualification and authorization to receive benefits. In this way, the invention calculates a retirement score for the user indicating the user's preparedness for retirement at a future predetermined date, wherein the future predetermined date is selected by the user.

PATENT: Method and system for automatically harmonizing access to a software application program via different access devices; US 10,013,680 B1; 7/3/2018; CPC G06Q 20/00; 20 claims; assigned to Citicorp Credit Services, Inc.

ABSTRACT EXCERPT: The financial institution receives information from the user via the user's access device, including information identifying the type of device being used and the application program the user wishes to access. The application program is then accessed and the information to be displayed to the user is identified. This information is automatically translated into a format which is compatible with the device, including its display, and sent to the device for display. The user, in turn, inputs information in response to the displayed information and this input information is automatically translated into a format which is compatible with the application program and is sent to the application program. The response generated by the application program is automatically translated to be compatible with the device and is sent to the device.

PATENT: System and method for mobile check deposit; US 10,013,681 B1; 7/3/2018; CPC G06Q 20/042; 30 claims; assigned to USAA.

ABSTRACT: Machine-readable storage media having instructions stored therein that, when executed by a processor of a mobile device, configure the mobile device to capture a check image for deposit and read a MICR line of the received check image. The mobile device is configured to present electronic images of the check to the user after the electronic images are captured. The mobile device may be configured to confirm that the deposit can go forward after optical character recognition (OCR) is performed on the check, the optical character recognition (OCR) determining an amount of the check, comparing the OCR determined amount to an amount indicated by the user, and reading a MICR line of the check.

PATENT: Systems and methods for point of sale deposits; US 10,013,683 B2; 7/3/2018; CPC G06Q 20/108; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: The disclosed embodiments include systems and methods for executing a point of sale deposit. In one embodiment, a system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive deposit information related to a point of sale deposit from a mobile device, and generate a deposit token retaining at least the deposit information and deposit authorization information.

PATENT: Processing cardless transactions at automated teller devices; US 10,013,684 B2; 7/3/2018; CPC G06Q 20/1085; 17 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: In some embodiments, a computer system may receive, from an automated teller device associated with a financial institution, login input comprising one or more online banking credentials associated with a customer of the financial institution. Subsequently, the computer system may validate the login input. If the login input is valid, the computer system may generate a one-time passcode. Then, the computer system may send, to a customer mobile device associated with the customer, the one-time passcode. Thereafter, the computer system may receive, from the automated teller device, passcode input. Subsequently, the computer system may validate the passcode input. If the passcode input is valid, the computer system may generate a customer authentication message. Then, the computer system may send, to the automated teller device, the customer authentication message.

PATENT: Time analysis of a banking system; US 10,013,685 B2; 7/3/2018; CPC G06Q 20/1085; 18 claims; assigned to Diebold Nixdorf, Incorporated.

ABSTRACT: A banking system that utilizes metrics in acquiring and processing event data related to financial transaction activity at a plurality of automated banking machines. Automated banking machine include sensors able to detect event data during a transaction. The event data can include transaction data related to the type of transaction, time analysis data related to duration of the transaction, and operational data related to machine components used in carrying out the transaction. The event data for automated banking machines can be obtained, analyzed, and stored. Statistical averages associated with the banking system machines can be determined in real time. The averages allow a respective machine to be compared to other machines with respect to operational efficiency. An alert can be issued concerning a statistical anomaly regarding the respective machine.

Frip: Another group of human bank employees replaced by robot bank employees.

PATENT: Systems and methods for merchant mobile acceptance; US 10,013,690 B2; 7/3/2018; CPC G06Q 20/382; 23 claims; assigned to Visa International Service Association.

ABSTRACT: Systems and methods are provided for merchant mobile acceptance of user device data. For example, a method comprises receiving encrypted user device data and reader metadata from a merchant mobile device, determining a device reader API and device reader encryption scheme using the device reader metadata, parsing the encrypted user device data using the device reader API to determine encrypted personal information, and decrypting the encrypted personal information using the reader encryption scheme.

PATENT: System for simulation and implementation of dynamic state-dependent resource reconfiguration; US 10,013,714 B2; 7/3/2018; CPC G06Q 40/00; 20 claims; assigned to Bank of America Corporation.

ABSTRACT: Embodiments of the invention are directed to systems, methods, and computer program products for implementing a dynamic state-dependent resource reconfiguration, such as the reconfiguration of resources and assets that may occur with a relationship between a first user and a second user is terminated. Example embodiments include incorporating into the resource reconfiguration aspects of prior user agreements and simulating the expected outcome of the dynamic state-dependent resource reconfiguration.

PATENT: Temporary waiver tool; US 10,013,715 B2; 7/3/2018; CPC G06Q 40/02; 20 claims; assigned to Bank of America Corporation.

ABSTRACT: Embodiments of the invention are directed to systems, methods and computer program products for use in financial systems, where data communication is automated for purposes of providing temporary waivers. An exemplary apparatus is configured to receive a request from a requesting entity to assign an account a temporary waiver. The account may be associated with one or more services that require a payment for utilizing the service. The system may then send the request to a processing entity to analyzes the request for approval, and receive an approval decision based at least partially on the analysis of the request. In response to receiving the approval decision, the system may process at least one subsequent action for providing or declining a temporary waiver.

PATENT: System for sharing retirement scores between social groups of customers; US 10,013,716 B2; 7/3/2018; CPC G06Q 40/06; 17 claims; assigned to Bank of America Corporation.

CLAIM 1 PREAMBLE: A system for creating social network group membership for a user based on a projected retirement score of the user.

PATENT: Database retrieval system; US 10,007,898 B2; 6/26/2018; CPC G06Q 20/10; 1 claim; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: A method for database retrieval is provided. The method may include receiving a history datastore. The method may include receiving a payment, i.e., a paper check. The method may include simultaneously scanning the check into a grayscale image and black and white image. The method may include reviewing each pixel on the black and white image alone and in combination with surrounding pixels to determine an arrangement of shaded pixels.

PATENT: Methods and systems for displaying account information; US 10,007,905 B2; 6/26/2018; CPC G06Q 20/327; 22 claims; assigned to Capital One Financial Corporation.

ABSTRACT: Systems and methods are provided for displaying account information. The systems and methods may include a portable smart display device in short-range communication with a mobile device. The smart display device may be configured to provide a user with quick and easy yet secure access to account information, without the need for multi-step login and verification processes. The smart display device may be sized to fit within a wallet and within quick, easy reach of a user. The smart display device may receive up-to-date account information from the mobile device, and display the account information on-demand upon detecting an activation event, thereby providing an enjoyable user experience and a useful tool for quickly informing the user of their financial situation.

Frip: An “enjoyable user experience”? Gimme a break.

PATENT: Method and system of capturing an image of a card; US 10,007,907 B1; 6/26/2018; CPC G06Q 20/3276; 17 claims; assigned to Capital One Services, LLC.

ABSTRACT: A method and a system of capturing an image of a card having a magnetic stripe is provided. The method includes obtaining a first image by an imaging device of the card, obtaining a plurality of images of the card via color delta analysis, and obtaining a third image of the card by comparing the first and the plurality of images.

PATENT: Method and system for automatically harmonizing access to a software application program via different access devices; US 10,007,908 B1; 6/26/2018; CPC G06Q 20/38; 5 claims; assigned to Citicorp Credit Services, Inc.

ABSTRACT EXCERPT: The financial institution receives information from the user via the user's access device, including information identifying the type of device being used and the application program the user wishes to access. The application program is then accessed and the information to be displayed to the user is identified. This information is automatically translated into a format which is compatible with the device, including its display, and sent to the device for display. The user, in turn, inputs information in response to the displayed information and this input information is automatically translated into a format which is compatible with the application program and is sent to the application program. The response generated by the application program is automatically translated to be compatible with the device and is sent to the device.

PATENT: Method and system for secure transmission of remote notification service messages to mobile devices without secure elements; US 10,007,909 B2; 6/26/2018; CPC G06Q 20/3821; 24 claims; assigned to MasterCard International Incorporated.

SUMMARY: The present disclosure relates to the transmission of remote notification service messages to a mobile device without requiring a secure element, and more specifically the use of encryption and authentication codes for the secure transmission, receipt, and processing of remote notification service messages without the use of secure elements.

PATENT: Systems and methods to facilitate loyalty reward transactions; US 10,007,915 B2; 6/26/2018; CPC G06Q 20/405; 14 claims; assigned to Visa International Service Association.

ABSTRACT: A communications system for financial transactions, such as payment transactions made via credit accounts, debit accounts, prepaid accounts, bank accounts, stored value accounts and the like, is enhanced and/or used to support reward transactions. Thus, the reward communications can be processed as transactions over the communications system in a way similar to and/or together with credit/debit transactions.

PATENT: Opt in system and method; US 10,007,922 B2; 6/26/2018; CPC G06Q 30/0226; 20 claims; assigned to Visa U.S.A. Inc.

ABSTRACT: A financial transaction system includes a computer readable storage medium and a processor in communication with the computer readable storage medium. The processor is configured to receive a financial transaction request message from a payment device reader, and parse the financial transaction request message. The financial transaction request message includes a cardholder response to an offer to enroll in a loyalty program of a commercial entity. The processor is further configured to store the cardholder response in the computer readable storage medium.

PATENT: System and method for granting promotional rewards to credit account holders; US 10,007,923 B1; 6/26/2018; CPC G06Q 30/0232; 24 claims; assigned to JPMorgan Chase Bank, N.A.

SUMMARY: The present invention is generally related to data processing techniques for enabling bank customers to earn promotional rewards. More particularly, the present invention is related to a data processing technique for allowing a Bank's existing credit cardmembers to earn promotional rewards for specific triggering behaviors in a specific time frame, wherein the rewards can be targeted to specific cardmembers or groups.

PATENT: Location-based obfuscation of user information; US 10,007,941 B1; 6/26/2018; CPC G06Q 30/0615; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: A device is provided to receive, from a first device, a request for a product or service, determine a first geographic location of the first device, and identify a second device that is located in a geographic region associated with the first geographic location. The second device may be associated with a user that is capable of providing the product or service. The device may provide, to the first device, information regarding a second geographic location of the second device. The information may specify an obfuscated second geographic location without revealing the second geographic location.

PATENT: Systems and methods for facilitating a transaction relating to newly identified items using augmented reality; US 10,007,948 B1; 6/26/2018; CPC G06Q 30/0643; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: A system may provide an augmented environment that facilitates a transaction. The system may store profile data including user payment or user profile information. The system may then receive environmental data including audio and visual information representing a physical environment. The system may then receive first user input data indicative of a selection of one or more items present in the physical environment, and identify one or more action items in the environmental data based on the first user input data. In response to this identification, the system may augment the environmental data by adding virtual environmental data, and then provide this virtual environmental data to a device to create an augmented environment.

PATENT: Visual depiction of warnings and errors; US 10,007,949 B2; 6/26/2018; CPC G06Q 40/04; 18 claims; assigned to Trading Technologies International, Inc.

ABSTRACT EXCERPT: Methods, systems and computer-readable storage media disclosed herein provide visual depictions of warnings and errors. An example method includes detecting, using a computing device, a change in a design of a trading algorithm. The trading algorithm is defined by a user-specified arrangement of blocks representing trading functionality. The example method includes determining, using the computing device, whether the trading algorithm complies with a trading algorithm rule. The example method includes facilitating, using the computing device, at least one of warning handling or error handling when the trading algorithm does not comply with the trading algorithm rule.

PATENT: Integrating multiple trading platforms with a central trade processing system; US 10,007,950 B2; 6/26/2018; CPC G06Q 40/04; 19 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: Methods, systems, and computer-readable media for integrating multiple trading platforms with a central trade processing system are presented. In some embodiments, a central trade processing computing platform may receive, from a trading engine computer system, a request for interface information. The computing platform may load trading interface data that includes product information associated with a set of one or more financial products offered via a trading interface provided by the trading engine computer system and interface layout information associated with the trading interface.

PATENT: Identity management service using a blockchain providing identity transactions between devices; US 10,007,913 B2; 6/26/2018; CPC G06Q 20/4014; 22 claims; assigned to ShoCard, Inc.

ABSTRACT: Logic on a first remote device causes the capture of personal data identifying a user from an identification card. The logic generates a hash value from the personal data using a hashing algorithm and signs the hash value with a digital signature created using a private key paired with a public key. The logic transmits, over a network, the signed hash value and the public key from the remote device to a distributed public database for storage. The logic receives, over the network, a transaction number from the distributed public database. The logic then transmits the transaction number and the personal data to a second remote device. Logic on the second remote device verifies that the hash value in the signed hash value is the same as a generated hash value and verifies that the signed hash value was signed with the private key.

PATENT: Systems and methods for point of sale deposits; US 10,002,346 B1; 6/19/2018; CPC G06Q 20/108; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: The disclosed embodiments include systems and methods for executing a point of sale deposit. In one embodiment, a system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive transaction information related to a point of sale deposit from a client device, and generate a pending deposit transaction based on the transaction information.

PATENT: Systems and methods for processing transactions using a wallet; US 10,002,351 B1; 6/19/2018; CPC G06Q 20/36; 12 claims; assigned to JPMorgan Chase Bank, N.A.

ABSTRACT: The invention is directed to a wallet vault, in the form of a tangibly embodied processing machine, disposed in communication with a financial payment network and a wallet in a customer device. Token information is generated and stored and corresponds to a payment product of the customer. The token information is output from the customer device by the wallet, to a merchant POS system, and routed to the wallet vault. At the wallet vault, the token information is used to retrieve the customer's payment product information and then output by the wallet vault for approval by the appropriate financial entity. In such manner, a transaction may be authorized but the merchant does not receive the customer's payment product information for such authorization.

Frip: My wallet vault is my pocket.

PATENT: Digital wallet exposure reduction; US 10,002,352 B2; 6/19/2018; CPC G06Q 20/363; 20 claims; assigned to Bank of America Corporation.

ABSTRACT: Embodiments are directed to reducing digital wallet exposure. Embodiments determine that a potential exposure associated with a first payment credential associated with a digital wallet has been detected; determine that the digital wallet has at least one additional associated payment credential; and, in response to determining the potential exposure has been detected and determining that the digital wallet has at least one additional associated payment credential, initiate at least one exposure reduction measure intended to reduce potential exposure to the at least one additional associated payment credential.

PATENT: Methods and systems for conducting transactions; US 10,002,353 B2; 6/19/2018; CPC G06Q 20/381; 25 claims; assigned to MasterCard International Incorporated.

SUMMARY: Embodiments disclosed herein relate to transaction systems. In particular, some embodiments relate to performing funds transfers, including funds transfers associated with loyalty or reward programs or other virtual currencies.

PATENT: Multi currency exchanges between participants; US 10,002,354 B2; 6/19/2018; CPC G06Q 20/381; 20 claims; assigned to PayPal, Inc.

ABSTRACT: A method and apparatus for facilitating payment transactions in multiple currencies between participants is provided. In one embodiment, an option is provided to a user to select a currency in which to make a payment. An indication of the selected currency in which to make the payment is received. A determination is made as to whether the selected currency is a primary currency of an account of the user. Based on the selected currency being different from the primary currency of the account of the user, the payment is converted to the selected currency.

PATENT: Automated card notification system and method; US 10,002,384 B1; 6/19/2018; CPC G06Q 40/025; 34 claims; assigned to JPMorgan Chase Bank, N.A.

SUMMARY: Embodiments of the invention are related generally to systems and methods for providing information related to a financial account to an account holder, and, more particularly, to a system and method for providing the account related message on a face of a card connected with the financial account.

PATENT: Managing the execution of trades between market makers; US 10,002,385 B2; 6/19/2018; CPC G06Q 40/04; 55 claims; assigned to BGC Partners, Inc.

ABSTRACT: According to one embodiment, a method of managing trading is provided. A first bid for a first instrument is received from a first market maker at a first bid price. A first offer for the first instrument is received from a second market maker at a first offer price, the first offer price being lower than the first bid price. As a result of the first offer price being lower than the first bid price, the first bid price is automatically decreased to match the first offer price, and a first timer having a predetermined duration is started. If the first timer expires and both the first bid and the first offer exist at the first offer price when the first timer expires, a trade between the first bid and the first offer is automatically executed.

PATENT: System and method for automatic repositioning of market information in a graphical user interface; US 10,002,386 B2; 6/19/2018; CPC G06Q 40/04; 4 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: A method for automatically positioning information related to a commodity on a graphical user interface. Market information is displayed on the graphical user interface. The market information may be presented as a number of indicators, corresponding to particular items of interest, that are associated with a static scale. The scale may, for example, represent price. Upon detecting a predetermined condition, the location of the market information is automatically repositioned.

PATENT: Pre-contracted, staged, currency exchange system; US 10,002,387 B2; 6/19/2018; CPC G06Q 40/04; 20 claims; assigned to Bank of America Corporation.

SUMMARY: The present invention is directed to apparatuses, methods, and computer program products for implementing a pre-contracted, staged currency exchange system. A user is enabled to define negotiated currency exchange rates and transaction premiums for an upcoming trip. Therefore, the user can avoid highly variable currency exchange rates and transaction premiums for the duration of the trip. Furthermore, the user is enabled to pre-stage transactions or withdrawals of funds at the negotiated currency exchange rates and transaction premiums.

PATENT: Risk mitigation in an electronic trading system; US 10,002,388 B2; 6/19/2018; CPC G06Q 40/04; 16 claims; assigned to NYSE Group, Inc.

ABSTRACT EXCERPT: An electronic trading system (ETS) implements risk mitigation methods for orders and quotes associated with a market participant on the ETS. The methods determine a measure of risk associated with one or more trading positions. One of the methods globally counts the number of breaches of risk thresholds associated with a trading symbol and market participant across all matching engines on the ETS over a rolling time period, and if this global risk counter exceeds a maximum, disables all further trades by the market participant on the ETS.

PATENT: Interactive mapping system for user experience augmentation; US 10,002,395 B2; 6/19/2018; CPC G06Q 40/12; 19 claims; assigned to Bank of America Corporation.

ABSTRACT: Embodiments of the invention comprise systems, computer program products, and methods for an interactive mapping system. The system provides improved tracking and management related to activity resource requirements in a time/geographic locational relationship. The system captures activity information and images and identifies relationship resource requirements for the activity. The system generates an interactive mapping system for user experience augmentation.

PATENT: Vertical network computing integration, analytics, and automation; US 9,996,815 B2; 6/12/2018; CPC G06Q 10/087; 31 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: Embodiments of the invention can relate to methods, systems, apparatuses directed to integration of computing networks, especially within supply chains, and use of information from these integrated networks to generate analytics.

Frip: Want a patent? Use the word “analytics.”

PATENT: Split message initiated payment system, method and apparatus; US 9,996,830 B2; 6/12/2018; CPC G06Q 20/209; 18 claims; assigned to Mastercard International Incorporated.

ABSTRACT: A system, method, and computer-readable storage medium configured to split a payment card transaction into separate channels with a merchant bill message and cardholder payment message.

PATENT: Mobile subscriber device for financial transaction tokens; US 9,996,833 B2; 6/12/2018; CPC G06Q 20/353; 20 claims; assigned to Visa U.S.A. Inc.

ABSTRACT EXCERPT: There is provided a mobile subscriber unit for a financial transaction token. The subscriber unit interfaces with a financial token or card that is in communication with the subscriber unit. The financial token or card has an onboard energy source so that the card token may operate away from proximity to a merchant terminal (e.g.; a POS terminal).

PATENT: Systems and methods for settling chargeback transactions; US 9,996,834 B2; 6/12/2018; CPC G06Q 20/381; 21 claims; assigned to Mastercard International Incorporated.

ABSTRACT EXCERPT: A chargeback settlement processing (CSP) computer system for determining a gain or loss in a chargeback transaction is provided, that includes a memory device and a processor in communication with the memory device. The processor is programmed to transmit to a payment card network for settlement at least one chargeback transaction file corresponding to at least one received chargeback transaction, associated with an original transaction settled using a first currency exchange rate. The at least one chargeback transaction file includes a unique file identifier.

PATENT: Systems and methods for communicating token attributes associated with a token vault; US 9,996,835 B2; 6/12/2018; CPC G06Q 20/385; 17 claims; assigned to Visa International Service Association.

ABSTRACT: Systems and methods for interoperable network token processing are provided. A network token system provides a platform that can be leveraged by external entities (e.g., third party wallets, e-commerce merchants, payment enablers/payment service providers, etc.) or internal payment processing network systems that have the need to use the tokens to facilitate payment transactions. A token registry vault can provide interfaces for various token requestors (e.g., mobile device, issuers, merchants, mobile wallet providers, etc.), merchants, acquirers, issuers, and payment processing network systems to request generation, use and management of tokens. The network token system further provides services such as card registration, token generation, token issuance, token authentication and activation, token exchange, and token life-cycle management.

PATENT: Integration of secure protocols into a fraud detection system; US 9,996,837 B2; 6/12/2018; CPC G06Q 20/4016; 19 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: Embodiments of the present invention are directed to methods and systems for performing a secure authentication process by leveraging the historical transaction data associated with an issuer. The historical transaction data stored at a fraud detection system may include the types of frequency of past authentication processes performed by the issuer, allowing for a determination of the likelihood of an authentication challenge process being applied to a current transaction.

PATENT: Cloud service facilitator apparatuses, methods and systems; US 9,996,838 B2; 6/12/2018; CPC G06Q 30/016; 10 claims; assigned to Visa International Service Association.

ABSTRACT: The CLOUD SERVICE FACILITATOR APPARATUSES, METHODS AND SYSTEMS ("CSF") transforms user purchase requests, refund requests, and product/service replacement requests via CSF components into transaction records, refunds, and replacement products/services outputs. The CSF may receive a consumer purchase request for a cloud service from a merchant. In response to the request, the CSF may generate a unique record key for the purchase and may transmit the unique record key to the merchant. The CSF may further receive additional transaction information and the unique record key from the merchant. In response to the received information and the unique key, the CSF may provide additional service to the merchant or the consumer.

PATENT: User enhanced authentication system for online purchases; US 9,996,864 B2; 6/12/2018; CPC G06Q 30/0609; 18 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: Embodiments of the invention are directed to methods, systems, devices and computer-readable media. In embodiments of the invention, a user is authenticated using an authentication process that is capable of authenticating a user using an inline authentication form that can authenticate a consumer without transferring a session maintained by a merchant. The inline authentication form is used if the components of the authentication system are capable of supporting an inline authentication form. If the components of the system cannot support an inline authentication form, a different authentication process is used.

PATENT: Automated exchange for trading of securities; US 9,996,876 B1; 6/12/2018; CPC G06Q 40/00; 6 claims.

ABSTRACT: An automated exchange is provided for trading financial instruments, such as options contracts. The exchange receives a plurality of orders to buy or sell the instruments and stores them in a book memory arranged in order of best price to worst price. The exchange also receives a quotation to purchase or sell a quantity of the instruments at the best price and stores the quotation in the book memory. The orders are traded with the quotation at the best price and when the entirety of the quotation is traded a new quotation is generated and stored in the book memory at a price one or more minimum trading increments worse than the best price. The size of the generated quotation is based on values stored in a quotation table.

PATENT: System and method for using order modifiers in relation to trading strategies; US 9,996,877 B2; 6/12/2018; CPC G06Q 40/04; 13 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: A quantity modifier and a price modifier are provided for a spread trading strategy having a desired spread price and a desired spread quantity. According to an example embodiment, a quantity modifier divides the desired spread quantity into a plurality of disclosed spread quantities. Once the disclosed quantities are determined, a plurality of disclosed spread orders having the disclosed spread quantities are sequentially submitted to the market until the full desired spread order quantity is executed or until a predefined condition is detected. A price modifier determines a price level for each disclosed spread quantity, such that each disclosed spread order may be submitted at a different price level.

PATENT: Geolocation check-in system; US 9,990,594 B2; 6/5/2018; CPC G06Q 10/02; 7 claims; assigned to Bank of America Corporation.

ABSTRACT: Embodiments of the invention are directed to systems, methods and computer program products for providing a geolocation check-in system. An exemplary apparatus is configured to collect positioning data related to a user. After collecting position data the apparatus may be configure to determine, based at least partially on the positioning data that the user has crossed a threshold of a geofence associated with a merchant's location. Based at least partially on this determination the apparatus may be configured to initiate a merchant check-in associated with the user and transmit user information to the merchant.

Frip: Big Bro, big time.

PATENT: Bill payment using direct funds transfer; US 9,990,613 B1; 6/5/2018; CPC G06Q 20/102; 24 claims; assigned to Square, Inc.

ABSTRACT EXCERPT: Introduced here is a technology that enables a bill payer, who is an account holder at a financial institution (e.g., a bank), to send a bill payment to a bill payee by submitting, via a financial application of the financial institution, the bill payee's identifier and a bill payment amount, where funds for the bill payment amount are transferred directly to the bill payee substantially instantaneously upon the bill payer's request. The technology involves communication between a computer system of a financial institution ("financial institution system"), a mobile financial application installed on a bill payer's mobile device, and a third-party, remote computer system of a payment service ("PSS").

PATENT: Cash card system; US 9,990,618 B2; 6/5/2018; CPC G06Q 20/204; 13 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A method includes a point of sale (POS) terminal receiving transaction data indicative of a purchase transaction, and detecting, by a card interface associated with the POS terminal, the presence of an integrated circuit (IC) payment card. The process also includes the POS terminal receiving indications of a plurality of data objects stored in the IC payment card, selecting a payment application based at least in part on the transaction data and the indications of the plurality of data objects, retrieving an account number associated with the selected payment application, and then executing the selected payment application to handle the purchase transaction.

PATENT: Authentication and payment system and method using mobile communication terminal; US 9,990,622 B2; 6/5/2018; CPC G06Q 20/32; 5 claims; assigned to SK Planet Co., Ltd.

SUMMARY: The present invention relates, in general, to an authentication and payment system and method using a mobile communication terminal and, more particularly, to an authentication and payment system and method using a mobile communication terminal, which separately processes authentication and approval using the terminal of a merchant (a mobile communication terminal, wired terminal or terminal connected via a leased line) and the mobile communication terminal of a purchaser without leaking payment information about the purchaser, in direct sales transactions between a merchant and a purchaser offline and mail order sales transactions using multimedia or printed media, such as terrestrial broadcasting, satellite broadcasting or catalogs.

PATENT: Establishing trust for conducting direct secure electronic transactions between a user and service providers; US 9,990,625 B2; 6/5/2018; CPC G06Q 20/3227; 7 claims; assigned to MasterCard Mobile Transactions Solutions, Inc.

ABSTRACT: Ensuring security of electronic transactions between a user and a service provider involves establishing electronic trust among a user, device, transaction service provider, and service providers through OTAC processing, key generation and exchange, and verification.

PATENT: Internet service provider (ISP) authentication of eCommerce transactions; US 9,990,629 B2; 6/5/2018; CPC G06Q 20/4016; 11 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: The present disclosure provides internet service provider (ISP) authentication of eCommerce transactions, more particularly, a method and system of associating an ISP recognition identification (ID) with a cashless payment account. A system, method, and software product are provided for fraud prevention in the field of cashless payment account transactions.

PATENT: Platform and method for analyzing the performance of message oriented middleware; US 9,990,630 B2; 6/5/2018; CPC G06Q 20/4016; 19 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: A computer server platform application for analyzing a capability of a message oriented transaction system. The platform application includes a first server having a performance driver utility for sending a plurality of transactions through a queue manager as messages having a payload and a correlation identification. The performance driver utility calculates and records a completion time for each transaction sent. A backend utility within the first server is for receiving each transaction sent, converting each payload into a reply message, and sending the reply message to a reply queue destination.

PATENT: Dynamic modification of a verification method associated with a transaction card; US 9,990,632 B1; 6/5/2018; CPC G06Q 20/405; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: A device may determine that a verification method associated with a transaction card is to be modified from a first verification method to a second verification method. The first verification method and the second verification method may use different types of verification information. The device may provide a set of instructions to the transaction card after determining that the verification method is to be modified. The set of instructions may cause the transaction card to modify the verification method from the first verification method to the second verification method.

PATENT: Enterprise fulfillment system with dynamic prefetching, secured data access, system monitoring, and performance optimization capabilities; US 9,990,636 B1; 6/5/2018; CPC G06Q 30/016; 22 claims; assigned to JPMorgan Chase Bank, N.A.

ABSTRACT EXCERPT: Systems and methods for providing services to customers in response to customer requests received through one or more channels are disclosed. The present invention provides for a central fulfillment hub in which all requests from banking customers may be processed by applying a library of policies to systematically resolve the customer requests or engage resources necessary to resolve such requests. In addition, the system may provide security mechanisms to secure access to resources, including applications and data, based on applications, assigned user roles or user, activities, and access control configurations.

PATENT: System and method for granting promotional rewards to credit account holders; US 9,990,642 B2; 6/5/2018; CPC G06Q 30/02; 19 claims; assigned to JPMorgan Chase Bank, N.A.

ABSTRACT EXCERPT: A system and method for providing promotional rewards is provided. First, a promotional reward is communicated to a customer. The promotional reward offer comprises a promotional reward associated with one or more promotional reward-earning behaviors and a promotional time frame. The offer may specify a customer population, and the customer may be enrolled in the promotional reward program if the customer is determined to be in the population. The customer is credited a promotional reward if the customer accomplishes the promotional reward-earning behavior(s) within the promotional time frame.

PATENT: Systems and methods to provide real-time offers via a cooperative database; US 9,990,643 B2; 6/5/2018; CPC G06Q 30/0201; 16 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: In one aspect, a computing apparatus is configured to: store transaction data recording transactions processed by a transaction handler; organize third party data according to community, where the third party data includes first data received from a first plurality of entities of a first community and second data received from a second plurality of entities of a second community; and responsive to a request from a merchant in the second community, present an offer of the merchant in the second community to users identified via the transaction data and the first data received from the first plurality of entities of the first community.

PATENT: Systems and methods to provide a user interface for redemption of loyalty rewards; US 9,990,646 B2; 6/5/2018; CPC G06Q 30/0233; 19 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: A system includes a rule engine to determine details of loyalty reward currency redemption from one or more reward accounts as part of the processing of a payment transaction in a payment account of a user. The redemption details are determined based on user preferences and rules of the loyalty programs, and transmitted to the user during the authorization of the payment transaction.

PATENT: Systems and methods for multiplier-adjusted lean levels for trading strategies; US 9,990,675 B2; 6/5/2018; CPC G06Q 40/04; 10 claims; assigned to Trading Technologies International, Inc.

ABSTRACT EXCERPT: Certain embodiments provide a method for trading in an electronic trading environment including receiving market data relating to a plurality of tradeable objects; sending a order to an exchange for the first tradeable object at a quoted price; receiving a fill confirmation for the quoting order at a filled price; determining a difference between the quoted price and the filled price; determining a hedge price for each of the plurality of tradeable objects other than the first tradeable object based at least in part on the difference and at least one multiplier associated with at least one leg of the trading strategy; and sending hedge orders for each of the plurality of tradeable objects other than the first tradeable object at the corresponding hedge price.

PATENT: Cover-OCO for legged order; US 9,990,676 B2; 6/5/2018; CPC G06Q 40/04; 11 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: A position associated with a synthetic spread order may be managed where a status of a synthetic spread order is identified as legged. The synthetic spread order may have at least one child hedge order pending at an electronic exchange and in response, a bracket order is submitted to an electronic exchange for the tradeable object associated with a filled leg of the synthetic spread. In response to execution of the bracket order, the child hedge order may be cancelled.