KIDDING PATENTS, 2015
KIDDING PATENTS, 2015
| |
|January 6, 2015 |
|PATENT |SUMMARY |
|Clearing house for processing of payments using coded payment methods;|Providing systems, methods, and computer-program products for a |
|US 8,930,241 B2; 1/6/2015; Class 705/17; 26 claims; assigned to Bank |clearing house for directing readable indicia to/from merchants, |
|of America Corporation. |users, and/or vendors. |
| | |
| |Frip: Patent on a clearing house. Never been a clearing house before? |
|Keyboard trading system; US 8,930,256 B2; 1/6/2015; Class 705/37; 27 |Relating to systems and methods for providing customized keyboards for|
|claims; assigned to BGC Partners, Inc. |receiving user inputs, and view regions for displaying information for|
| |users in useful arrangements. |
| | |
| |Frip: Unique keyboard = patent. |
|System and method for user defined markets for electronic trading; US |Providing a technology platform that allows a user to define a new |
|8,930,257 B1; 1/6/2015; Class 705/37; 33 claims; assigned to |market for electronic trading and automatically generating the new |
|MarketFactory, Inc. |market for live trading, in one embodiment the new market being |
| |automatically tested using a trading simulator that simulates the new |
| |market for electronic trading. |
| | |
| |Frip: Defining your own market. What can go wrong with that? |
|Method and system for reserving future purchases of goods and |Related to providing electronic options for goods or services via a |
|services; US 8,930,260 B2; 1/6/2015; Class 705/37; 15 claims; assigned|computer network such as the Internet or an intranet. |
|to Smart Options, LLC. | |
| |Frip: Guess that’s not available now, eh? |
| |
|January 13, 2015 |
|PATENT |SUMMARY |
|Electronic commerce using a transaction network; US 8,935,182 B2; |Directed to the field of facilitating user registration and |
|1/13/2015; Class 705/39; 8 claims; assigned to Amdocs Qpass Inc. |authentication, purchasing from multiple merchants, aggregating |
| |payment transactions, and merchant remittance for electronic commerce |
| |transactions, such as those conducted on the Internet. |
| | |
| |Frip: Covering lotsa ground yet not infringing? |
|Internet billing method; US 8,935,183 B2; 1/13/2015; Class 705/40; 20 |Creating a new business opportunity for telephone companies, cable |
|claims; assigned to AT&T Intellectual Property I, LP. |television companies, existing Internet access providers, and |
| |companies offering financial services by creating a way for them to |
| |offer to their subscribers a method of securely buying and selling |
| |goods and services of any value over the Internet. |
| | |
| |Frip: Wow! A new business opportunity! Thanks AT&T. |
|Wireless payment with a portable device; US 8,935,186 B2; 1/13/2015; |Relating to assisting a financial transaction related to a purchase of|
|Class 705/65; 16 claims; assigned to Huawei Technologies Co., Ltd. |a user, example embodiments including enhancing the purchase process |
| |along with optimizing the security, packet transmission, and packet |
| |processing. |
| | |
| |Frip: Well, OK. |
|Distributed payment system and method; US 8,935,187 B2; 1/13/2015; |Relating to a distributed system and method for handling payments in |
|Class 705/76; 17 claims; assigned to Playspan, Inc. |commercial transactions. |
| | |
| |Frip: Talk into the air, make a payment. |
| |
|January 27, 2015 |
|PATENT |SUMMARY |
|Payment System; US 8,942,997 B2; 1/27/2015; Class 705/26.1; 23 claims;|Providing a method of processing payment authorization requests for |
|assigned to Visa Europe Limited (GB). |payment transactions to be conducted via a data communications network|
| |on behalf of online merchants, the payment authorization requests |
| |being conducted as a result of orders by financial instrument holders |
| |via a plurality of different online merchant systems. |
| | |
| |Frip: Visa Europe, eh? |
| |
|February 3, 2015 |
|PATENT |SUMMARY |
|Method, apparatus, and computer program product for topping up prepaid|Allowing a card holder to carry out an initial top-up of a balance of |
|payment cards for offline; US 8,949,152 B2; 2/3/2015; Class 705/41; 7 |a pre-paid payment card that is configured for use in an |
|claims; assigned to Mastercard International Incorporated. |infrastructure in accordance with a payment specification requiring |
| |different behavior for normal transactions in the infrastructure |
| |versus behavior required for topping-up of the balance, the process |
| |involving registering risk mitigation information and other stuff. |
| | |
| |Frip: Say what? |
| |
|February 10, 2015 |
|PATENT |SUMMARY |
|Mobile phone including dynamic verification value; US 8,954,353 B2; |Altering a first data string to form a second data string, forming a |
|2/10/2015; Class 705/67; 20 claims; assigned to Visa U.S.A. Inc. |first dynamic verification value using at least a portion of the |
| |second data string, the first dynamic verification value being used to|
| |authenticate a phone in a first transaction, the second data string |
| |being used to form a third data string, a second dynamic verification |
| |value being formed using at least a portion of the third data string, |
| |and the second dynamic verification value being used to authenticate |
| |the phone in a second transaction. |
| | |
| |Frip: You’ve been encrypted! |
| |
|February 24, 2015 |
|PATENT |SUMMARY |
|Readable indicia for fuel purchase; US 8,965,790 B2; 2/24/2015; Class |Directed to purchasing fuel for a vehicle from a fuel station, an |
|705/17; 18 claims; assigned to Bank of America Corporation. |exemplary apparatus being configured to initiate a fuel purchase |
| |application, to determine identification information associated with a|
| |fuel pump that will be used for fueling the vehicle, and to transmit a|
| |purchase authorization request to an external server based on the |
| |identification information. |
| | |
| |Frip: Hey BofA, fill'er up. |
| |
|March 3, 2015 |
|PATENT |SUMMARY |
|Dongle facilitated wireless consumer payments; US 8,972,296 B2; |Providing computing systems and methods for facilitating consumer |
|3/3/2015; Class 705/39; 15 claims; assigned to Ebay Inc. |transactions in retail and other establishments, the systems and |
| |methods including communication interfaces adapted to couple a |
| |computing system to a plurality of third party mobile electronic |
| |devices, storage components adapted to store user information, |
| |participating merchant information, or any combination thereof, and |
| |processors in communication with the communication interfaces and |
| |storage components. |
| | |
| |Frip: Software patent involving multiple hardware devices? |
|Track data encryption; US 8,972,303 B2; 3/3/2015; Class 705/67; 20 |Embodiments of the invention being directed to methods, systems, and |
|claims; assigned to Visa U.S.A. Inc. |computer readable media that can be used to securely deliver a primary|
| |account number (PAN) associated with a portable consumer device from a|
| |portable consumer device, a point of sale terminal, or some other |
| |location, to an issuer of the portable consumer device. |
| | |
| |Frip: Really, do we have any hope of staying ahead of the hackers? |
| |
|March 10, 2015 |
|PATENT |SUMMARY |
|Anonymous mobile payments; US 8,977,568 B1; 3/10/2015; Class 705/39; |Directed to techniques and systems for providing anonymous mobile |
|20 claims; assigned to Amazon Technologies, Inc. |payments that may enable a user to enter into transactions with |
| |another user without disclosing personal and/or private information to|
| |the other user, such as a name, a telephone number, an email, and/or |
| |other personal or private information. |
| | |
| |Frip: But you can bet some Big Bro in the public or private sector |
| |will know. |
|System and method for providing smart electronic wallet and |Providing a smart electronic wallet with reconfigurable |
|reconfigurable transaction card thereof; US 8,977,569 B2; 3/10/2015; |multiple-account transaction card, the system and method providing |
|Class 705/41; 13 claims. |measures for storing a plurality of account identifiers from a |
| |plurality of traditional single-use transaction cards into a storage |
| |memory in a smart wallet, the system and method also providing for |
| |storing a reconfigurable multiple-account transaction card within the |
| |smart electronic wallet and allowing for it to be dynamically and |
| |selectively reconfigured for any one of the plurality of account |
| |identifiers stored within the smart electronic wallet, and |
| |additionally, a consumer being able to initiate a transfer or trade of|
| |transaction cards across different smart electronic wallet devices. |
| | |
| |Frip: Better not lose this wallet. |
| |
|March 17, 2015 |
|PATENT |SUMMARY |
|System and method for trading having a principal market maker; US |Providing a system that including an electronic brokerage and trading |
|5,963,923 C1; 3/17/2015; Class 705/37; 28 claims; assigned to |network having at least one computer coupled to receive and transmit |
|Technology Research Group LLC. |bids and offers for international currency trading, a display terminal|
| |and input, and a principal market maker computer coupled to the |
|CLAIMS CANCELLED. |electronic brokerage and trading network wherein the principal market |
| |maker computer was operative to receive and transmit the bids and |
| |offers and execute international currency trades by maintaining a |
| |market for such currencies. |
| | |
| |Frip: Patent was cancelled! |
|Method and system for micropayment transactions; US 8,983,874 B2; |Relates to probabilistic micropayment schemes, which allow a user to |
|3/17/2015; Class 705/79; 6 claims; assigned to MIT. |establish payment to a merchant for at least one transaction. |
| | |
| |Frip: All of Frip’s payments are micropayments. |
| |
|March 24, 2015 |
|PATENT |SUMMARY |
|Smartcard to virtual media conversion; US 8,990,117 B2; 3/24/2015; |Providing a method for converting a smartcard into a virtual media in |
|Class 705/50; 18 claims; assigned to Cubic Corporation. |a transit system. |
| | |
| |Frip: The alleged bottom line? You don’t have to take your smartcard |
| |from your wallet. |
| |
|April 7, 2015 |
|PATENT |SUMMARY |
|Method and system for signature capture; US 9,002,739 B2; 4/7/2015; |Using advanced internet-connected devices, such as smart TVs, to |
|Class 705/35; 17 claims; assigned to Visa International Service |conduct online transactions, with signature data representative of a |
|Association. |consumer's signature motion being captured by a signature capture |
| |device that can be the smart TV or a device associated with the smart |
| |TV, or a security token, the representation of the consumer's |
| |signature providing a non-repudiation mechanism similar in function to|
| |that of a consumer's actual handwritten signature on a credit card or |
| |debit card receipt. |
| |Frip: How many of you sign a credit card purchase slip with a fake |
| |name? |
|System for market hedging and related method; US 9,002,741 B2; |Providing a system with a data collection module that collects data |
|4/7/2015; Class 705/37; 6 claims. |for a plurality of fuels, a selection module that selects fuels from |
| |the plurality of fuels based on the properties of the fuels to |
| |generate sets of fuels, a benchmark generating module that generates |
| |fuel commodity benchmarks, a communication module that communicates |
| |the fuel commodity benchmarks to traders and that receives orders for |
| |derivatives contracts from the traders based on the fuel commodity |
| |benchmarks, and an order processing module. |
| | |
| |Frip: Hedging in a time of surplus; a brave new world. |
|Virtual check; US 9,002,749 B1; 4/7/2015; Class 705/64; 20 claims; |Creating a virtual check in real-time in a payor mobile device, |
|assigned to USAA. |generating tag data associated with the virtual check, the tag data |
| |including a physical location of the creation of the virtual check, |
| |embedding in the virtual check at least a portion of the tag data, and|
| |sending the virtual check and the tag data from the payor mobile |
| |device to a receiving device. |
| | |
| |Frip: How about just creating for moi some virtual money? |
| |
|April 14, 2015 |
|PATENT |SUMMARY |
|Phased debit activation system and method; US 9,009,069 B2; 4/14/2015;|Facilitating activation of a general-purpose reloadable (GPR) card at |
|Class 705/17; 17 claims; assigned to Target Brands, Inc. |a point-of-sale (POS) terminal rather than at home while watching TV |
| |and chowing down. |
| | |
| |Frip: A great leap forward for civilization! |
| |
|April 21, 2015 |
|PATENT |SUMMARY |
|Method, system, and device for implementing network banking service; |Providing a convenient means for users to use a network banking |
|US 9,015,065 B2; 4/21/2015; Class 705/18; 24 claims; assigned to |service, the functions of POS devices being simplified and the cost of|
|Huawei Device Co., Ltd. (CN). |manufacturing and maintaining POS devices being reduced, the process |
| |involving identification, authentication, and stuff. |
| | |
| |Frip: Don’t often see a U.S. process patent being granted to PRC |
| |inventors. Just saying. |
|System for pre-processing sales returns; US 9,015,070 B2; 4/21/2015; |Initiating a sales return transaction prior to a customer being |
|Class 705/28; 31 claims; assigned to Bank of America Corporation. |physically present at a merchant store, the system being capable of |
| |transmitting sales return information to a merchant such that the |
| |consumer's presence is not necessary in order to process a sales |
| |return transaction. |
| | |
| |Frip: The assumption is that the customer gets his or her money back. |
| |Just being certain. You never can be too careful when dealing with the|
| |big guys. |
| |
|April 28, 2015 |
|PATENT |SUMMARY |
|Method and system for mobile banking using a mobile application; US |Running a mobile application on a mobile communication device, the |
|9,020,836 B2; 4/28/2015; Class 705/16; 15 claims. |mobile application being hosted on the mobile communication device |
| |through the server as a Software as a Service (SaaS), the method |
| |further including transmitting data associated with the mobile |
| |application between the mobile communication device and the server, in|
| |which transmission of the data between the mobile communication device|
| |and the server is monitored through the server. |
| | |
| |Frip: Got that? |
|Smart card loading transactions using wireless telecommunications |Allowing a consumer to load value onto a smart card and to make |
|network; US 9,020,853 B2; 4/28/2015; Class 705/41; 39 claims; assigned|purchases using a smart card with a mobile telephone handset. |
|to Visa International Service Association. | |
| |Frip: Scary. |
| |
|May 5, 2015 |
|PATENT |SUMMARY |
|Portable point of purchase user interfaces; US 9,026,462 B2; 5/5/2015;|Generally relating to techniques for performing sales transactions |
|Class 705/22; 9 claims; assigned to Apple Inc. |using a portable device, in accordance with one disclosed embodiment a|
| |portable electronic device being capable of completing an entire sales|
| |transaction including ringing up articles of merchandise, receiving |
| |payment information, and communicating with an external server to |
| |receive authorization for payment. |
| | |
| |Frip: Got my bank in my pocket. |
| |
|May 12, 2015 |
|PATENT |SUMMARY |
|Method for inventory governance in a virtual universe; US 9,031,871 |Relating generally to avatars and their inventories in a virtual |
|B2; 5/12/2015; Class 705/28; 25 claims; assigned to IBM. |universe, and more specifically to inventory governance in a virtual |
| |universe. |
| | |
| |Frip: Creepy or what? |
| |
|May 19, 2015 |
|PATENT |SUMMARY |
|Card reader emulation for cardless transactions; US 9,037,491 B1; |Providing a technique that eliminates the need for a customer to carry|
|5/19/2015; Class 705/17; 14 claims; assigned to Square, Inc. |a physical payment card (such as a credit card or debit card) and |
| |eliminates the need to do a physical card swipe when performing a |
| |payment card transaction, the technique being particularly |
| |advantageous when applied to a full-service retail establishment, such|
| |as a restaurant, the technique facilitating a "pay-by-name" paradigm |
| |in which a customer can pay essentially by just telling the merchant |
| |his name. |
| | |
| |Frip: Name’s Frip, that’s my payment. |
|Secure mobile-based financial transactions; US 9,037,492 B2; |In exemplary embodiments, allowing a mobile communications device to |
|5/19/2015; Class 705/17; 20 claims; assigned to AT&T Mobility II LLC. |communicate with a payment server via a point-of-sale device to |
| |conduct a transaction, the mobile communications device using a client|
| |payment logic to send payment information to the point-of-sale device,|
| |which uses a vendor payment logic to forward the payment information |
| |to the payment server, which verifies the payment information and |
| |sends confirmation to the point-of-sale device. |
| | |
| |Frip: Hack City! |
| |
|May 26, 2015 |
|PATENT |SUMMARY |
|Systems and methods for making a payment using a wireless device; US |Providing systems and methods for performing payment transactions that|
|9,043,237 B2; 5/26/2015; Class 705/35; 22 claims; assigned to Fexco |involve wireless devices, the systems and methods including the |
|Merchant Services. |receipt of purchase information from a merchant, the communication of |
| |identifiers and authorizations, and the transmission of confirmations |
| |to the merchant. |
| | |
| |Frip: If the PTO says this is unique, who are we to disagree? |
|Securities trading system and device; US 9,043,239 B2; 5/26/2015; |Providing, in one embodiment, a securities trading system comprising a|
|Class 705/37; 5 claims; assigned to Kabushiki Kaisha Toshiba and |plurality of order sharing devices and a plurality of ordering devices|
|Toshiba Solutions Corportion. |that are configured to communicate with each other, the order sharing |
| |devices being switchable between a master system and a slave system |
| |and having a first storage unit, and the ordering devices being |
| |switchable between a master system and a slave system and having a |
| |second storage unit. |
| | |
| |Frip: Lotta schematics with this baby. |
|Apparatus and method for secure fulfillment of transactions involving |Relating generally to networked computer games and more particularly |
|virtual items; US 9,043,245 B2; 5/26/2015; Class 705/64; 20 claims; |to executing financial transactions in virtual environments. |
|assigned to Visa International Service Association. | |
| |Frip: Visa is patenting make-believe stuff?! No wonder Frip’s Visa |
| |card keeps getting compromised. |
| |
|June 2, 2015 |
|PATENT |SUMMARY |
|Single identifiable entry point for accessing contact information via |Relating to methods, apparatus, and computer program products for |
|a computer network; US 9,047,590 B2; 6/2/2015; CPC G06Q 10/107; 37 |providing contact information via a computer network, and more |
|claims; assigned to Bank of America Corporation. |specifically, for providing an activatable indicium configured as an |
| |entry point for accessing contact information on a user interface. |
| | |
| |Frip: Wanna see my activatable indicium? |
|Smart phone system and method; US 9,047,594 B2; 6/2/2015; CPC G06Q |Providing a system and method for remediation, curing concerns, and |
|20/20; 37 claims; assigned to American Express Travel Related Services|transferring information associated with declined transactions, the |
|Company, Inc. |disclosure generally relating to electronic commerce, and more |
| |particularly, to a system and method of validation and efficiency |
| |associated with electronic commerce. |
| | |
| |Frip: What if you are only a dumb phone ol’ codger? |
| |
|June 9, 2015 |
|PATENT |SUMMARY |
|Apparatus and method for conducting securing financial transactions; |Relating to a system and method for conducting dual-authenticated |
|US 9,053,471 B2; 6/9/2015; CPC G06Q 20/12; 4 claims. |electronic transactions without the use of a point of sale device. |
| | |
| |Frip: Next step, triple authentication. |
|Systems and methods for initiating payment from a client device; US |Providing methods, systems, and articles of manufacture configured to,|
|9,053,476 B2; 6/9/2015; CPC G06Q 20/322; 18 claims; assigned to |for example, initiate financial transactions, such as payments, from a|
|Capital One Financial Corporation. |client device in an efficient and user-friendly way, the disclosed |
| |embodiments including detecting a physical action performed on a |
| |mobile client device, and determining a first financial service |
| |function to perform based on the detected physical action. |
| | |
| | |
| |Frip: Flip your smart phone the bird and you’ve done a financial |
| |transaction. |
|Methods and systems for providing a payment account with adaptive |Providing systems, methods, apparatus, and means for conducting |
|interchange; US 9,053,481 B2; 6/9/2015; CPC G06Q 20/40; 8 claims; |payment transactions using mobile devices in which a mobile device is |
|assigned to MasterCard International Incorporated. |presented at a point of sale for use in a payment transaction, a |
| |primary account selection being received from the user of the mobile |
| |device, which automatically identifies a product type of the primary |
| |payment account and 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, which causes a first |
| |payment authorization request message to be routed to an issuer of the|
| |proxy payment account. |
| | |
| |Frip: No prior art? |
| |
|June 16, 2015 |
|PATENT |SUMMARY |
|Money-transfer techniques; US 9,058,625 B2; 6/19/2015; CPC G06Q 40/02;|Directed to a technique for transferring money between a customer and |
|47 claims; assigned to Uniteller Financial Services, Inc. |a beneficiary via a system comprising a money-transfer company, a |
| |plurality of selling agents and paying agents, transaction cards, |
| |computers, databases, and the like. |
| | |
| |Frip: But what is money? |
|System and method for financial services device usage; US 9,058,626 |Receiving, by a financial services device, comprising at least one |
|B1; 6/19/2015; CPC G06Q 40/02; 30 claims; assigned to JPMorgan Chase |computer processor, a container from a business entity, wherein the |
|Bank, N.A. |container has an internal volume and is configured to hold contents |
| |comprising one or more of cash, coins, and checks and the container is|
| |received into a receptacle at the financial services device; |
| |extracting, by the financial services device, the contents; |
| |processing, by the financial service device, the contents; and |
| |ejecting the container by the financial services device following the |
| |processing of the contents. |
| | |
| |Frip: More bank clerks outta work. |
|Marketplace for trading intangible asset derivatives and a method for |Relating generally to trading of financial contracts and other trading|
|trading intangible asset derivatives. US 9,058,628 B2; 6/19/2015; CPC |products, and more particularly, to a marketplace and a method for |
|G06Q 40/04; 18 claims; assigned to Ocean Tomo, LLC. |trading intangible assets and/or derivative financial contracts based |
| |on such intangible assets. |
| | |
| |Frip: Just what the world needs—another marketplace for intangibles. |
| |
|June 23, 2015 |
|PATENT |SUMMARY |
|Plug-in based chip card payments; US 9,064,251 B2; 6/23/2015; CPC G06Q|Allowing a payment services component to interact with a plurality of |
|20/20; 20 claims; assigned to Microsoft Technology Licensing, LLC. |different chip card peripheral devices in conducting a transaction, |
| |and also with a plurality of different chip card payment processors to|
| |authenticate and validate the transaction. |
| | |
| |Frip: Move over financial industry, here comes Microsoft. |
|Payment system and methods; US 9,064,252 B2; 6/23/2015; CPC G06Q |Providing a payment system and methods in which a shopper pays with a |
|20/202; 14 claims; assigned to National Payment Card Association. |temporary payment token that is a number (such as a 7-digit number |
| |that appeared on the screen of the shopper's mobile phone) at a POS |
| |device, without the shopper needing have his own mag-stripe card. |
| | |
| |Frip: But ya’ gotta remember to swipe your own mag-strip card. |
|Multi-panel user interface; US 9,064,281 B2; 6/23/2015; CPC G06Q |Providing a multi-panel user interface that includes one-tap access of|
|30/0641; 19 claims; assigned to MasterCard Mobile Transactions |a shopping-related function from a collapsed panel in an expandable |
|Solutions, Inc. |panel user shopping interface without requiring expanding the |
| |collapsed panel. |
| | |
| |Frip: Another thing to blow a consumer’s mind and increase his or her |
| |aggravation. |
| |
|June 30, 2015 |
|PATENT |SUMMARY |
|Mode switching to provide security for cash handling device; US |Requesting an exchange transaction, inserting currency into a cash |
|9,070,125 B1; 6/30/2015; CPC G06Q 20/045; 20 claims; assigned to Bank |handling device, prompting a user to identify one or more requested |
|of America Corporation. |denominations of currency, tracking elapsed time, if the elapsed time |
| |exceeds a timeout threshold, switching the transaction from an |
| |exchange transaction to a deposit transaction and crediting the |
| |inserted currency as a deposit into an account, otherwise, allowing |
| |the exchange transaction to proceed. |
| | |
| |Frip: Or maybe just confiscating the user’s currency. |
|Administering a plurality of accounts for a client; US 9,070,127 B2; |Providing methods and systems for supporting electronic transactions, |
|6/30/2015; CPC G06Q 20/3829; 5 claims; assigned to MasterCard Mobile |including transactions that are provided with per-user, per-device, |
|Transactions Solutions, Inc. |and per-domain security across domains of multiple service providers. |
| | |
| |Frip: Gettin’ down into the weeds. |
|Method and system for securing data fields; US 9,070,129 B2; |Pertaining to encrypting accounts. |
|6/30/2015; CPC G06Q 20/403; 21 claims; assigned to Visa U.S.A. Inc. | |
| |Frip: Just another challenge for your average hacker. |
|Check processing method, check processing program medium, and check |Relating to a method, a program medium, and an apparatus for |
|processing apparatus; US 9,070,163 B2; 6/30/2015; CPC G06Q 40/02; 3 |processing checks in conjunction with using checks to complete |
|claims; assigned to Seiko Epson Corporation (JP). |financial transactions. |
| | |
| |Frip: What’s a check? |
| |
|July 7, 2015 |
|PATENT |SUMMARY |
|Computerized money transfer system and method; US 9,076,134 B2; |Providing a computerized money transfer system and method for |
|7/7/2015; CPC G06Q 20/10; 60 claims; assigned to Chequepoint Franchise|implementing a money transfer service for transferring money from a |
|Corporation. |sending entity such as an individual or company to at least one |
| |receiving entity such as a person or company, one aspect of the |
| |invention being that the sending entity or receiving entity does not |
| |have to have an account. |
| | |
| |Frip: This ain’t that bitcoin blockchain stuff, is it? |
| |
|July 14, 2015 |
|PATENT |SUMMARY |
|Methods and systems for validating real time network communications; |Relating to network communications and resource access, and in |
|US 8,126,991 C2; 7/14/2015; CPC G06Q 10/02; 144 claims; assigned to |particular, to methods and systems for monitoring network |
|JPMorgan Chase Bank, N.A. |communications status, identifying available resources, and |
| |determining resource access status. [Patent was pursuant to a |
| |Reexamination Request.] |
| | |
| |Frip: JP gettin’ into computer geek stuff. |
|Secure payment card transactions; US 9,082,120 B2; 7/14/2015; CPC G06Q|Securing payment card transactions at a point of sale (POS) by |
|20/40; 20 claims; assigned to Shift4 Corporation. |intercepting, with a POS security layer installed on a POS terminal, |
| |payment data from the POS terminal, transmitting the payment data from|
| |the POS security layer to a server security application installed on a|
| |POS server, and providing false payment data from the POS security |
| |layer to a POS terminal application installed on the POS terminal. |
| | |
| |Frip: How does false payment data help? |
|System and method for guided passcode entry; US 9,082,121 B2; |Providing additional security to traditional secret PIN or passcode |
|7/14/2015; CPC G06Q 20/4012; 20 claims; assigned to MasterCard |entry systems by generating a randomized input sequence (order of |
|International Incorporated. |entry) and prompting the user to input the passcode according to the |
| |randomized input sequence, and more. |
| | |
| |Frip: So not only must you remember a password, you must possess the |
| |mentally dexterity to put it in a different order while under the |
| |pressure of public scrutiny? |
| |
|July 21, 2015 |
|PATENT |SUMMARY |
|Geography based transaction cost recovery; US 9,087,330 B2; 7/21/2015;|Relating to providing apparatus and methods for recovering a |
|CPC G06Q 20/401; 14 claims; assigned to Bank of America Corporation. |transaction cost in connection with a transaction between two or more |
| |transaction participants. |
| | |
| |Frip: BofA, reaching into your pocket? |
| |
|July 28, 2015 |
|PATENT |SUMMARY |
|System for packaging, processing, activating, and deactivating |Generally relating to a processing and activation system providing |
|multiple individual transaction cards as a singular unit; US 9,092,764|consumers with the ability to purchase transaction cards, i.e., gift |
|B2; 7/28/2015; CPC G06Q 20/20; 20 claims; assigned to Blackhawk |cards, debit cards, and credit cards, of various affiliated or |
|Network, Inc. |non-affiliated service providers in a singular prepackaged assembly. |
| | |
| |Frip: Don’t have enough cards in your wallet now? Then sign up. |
|Trusted internal interface; US 9,092,769 B2; 7/28/2015; CPC G06Q |Directed to a system, apparatus, and method for enabling the |
|20/322; 11 claims; assigned to Visa International Service Association.|communication and secure transfer of data between applications |
| |installed in a payment device, such as a smart card, mobile phone, or |
| |device with an embedded chip, the invention permitting the local |
| |(i.e., within the payment device) transfer of data between |
| |applications installed in the payment device by providing one or more |
| |interfaces between an installed payment application and each |
| |additional application. |
| | |
| |Frip: The world is getting far too complex. |
|Bank account protection method utilizing a variable assigning request |Directed to a novel method of substantially, if not totally, |
|string generator and receiver algorithm; US 9,092,778 B2; 7/28/2015; |eliminating financial account fraud through the implementation of a |
|CPC G06Q 20/3821; 4 claims; assigned to Varsgen, LLC. |specific algorithm that permits a financial institution the means to |
| |communicate directly and nearly instantaneously with an account holder|
| |for verification purposes during a financial transaction, the overall |
| |system depending on a string variable method that accords a limited |
| |number of representations to all the words and numbers of a specific |
| |human language in order to provide a suitable machine language |
| |translation for the capability of communicating quickly and |
| |effectively between a financial institution, an account holder, and |
| |possibly, a third party. |
| | |
| |Frip: Software per se maybe? |
| |
|August 4, 2015 |
|PATENT |SUMMARY |
|Mobile electronic wallet; US 9,098,844 B2; 8/4/2015; CPC G06Q 20/32; |Providing a mechanism to verify identification of a user of a mobile |
|25 claims; assigned to Wells Fargo Bank, N.A. |electronic wallet and incorporate user ID into remote data exchange, |
| |including remote financial transactions, with one or more networked |
| |devices. |
| | |
| |Frip: Biometric analysis is mentioned, as in Big Bro is on your case. |
|Contactless automated teller machine; US 9,098,846 B2; 8/4/2015; CPC |Providing an automated teller machine, computer product, method, or a |
|G06Q 20/322; 25 claims; assigned to Bank of America Corporation. |combination of the foregoing for receiving a contactless transmission,|
| |the invention being particularly directed to an ATM capable of |
| |receiving data from an external apparatus via a contactless |
| |interface. |
| | |
| |Frip: Can you signal the ATM from home and have a robot deliver the |
| |cash? |
| |
|August 11, 2015 |
|PATENT |SUMMARY |
|Bill-pay integration; US 9,105,018 B2; 8/11/2015; CPC G06Q 20/102; 6 |Providing a treasury management system that may include a central |
|claims; assigned to Bank of America Corporation. |management apparatus ("CMA") controlled by a drawee bank, the CMA |
| |including a second non-transitory computer readable medium having |
| |second computer readable program code embodied therein, a second |
| |processor being configured to execute the second computer readable |
| |program code, which may configure the CMA to receive the first payment|
| |information from the bill-pay vendor. |
| | |
| |Frip: Lotta words, but what the hell do they mean? |
|Enhanced near field communications attachment; US 9,105,025 B2; |Providing a secure fob that enables a user to pay for an item or items|
|8/11/2015; CPC G06Q 20/3278; 24 claims; assigned to Capital One |without needing to present a mobile device, the fob including a |
|Financial Corporation. |proximity capability to ensure that a mobile device is within a |
| |particular range, thereby eliminating the risk of fraudulent charges |
| |on a stolen fob. |
| | |
| |Frip: Why not steal both the fob and the mobile device? |
|Systems and methods for providing a benefit product with periodic |Relating generally to systems and methods for providing a user with |
|guaranteed minimum income; US 9,105,063 B2; 8/11/2015; CPC G06Q 40/06;|guaranteed minimum income payments and, more particularly, to systems |
|20 claims; assigned to Genworth Holdings, Inc. |and methods for guaranteeing minimum periodic income payments in |
| |association with a benefit product. |
|See also US 9,105,065. | |
| |Frip: Guaranteed minimum income? I’m thinking $200,000 per year. |
| |
|August 18, 2015 |
|PATENT |SUMMARY |
|Methods and systems for processing electronic transactions and |Related to network-based systems and methods for processing and |
|managing vehicle costs; US 9,111,277 B2; 8/18/2015; CPC G06Q 20/401; |tracking electronic transactions relating to a vehicle wherein the |
|28 claims; assigned to MasterCard International Incorporated. |transaction is initiated by a cardholder having a transaction account.|
| | |
| |Frip: Sorta like your car having its own credit card. |
|General purpose messaging; US 9,111,280 B2; 8/18/2015; CPC G06Q 30/00;|Relating to systems and methods for enabling entities, such as |
|16 claims; assigned to Visa International Service Association. |issuers, merchants, payment processing networks, and mobile-network |
| |operators, to send account-related messages and marketing messages to |
| |a user's mobile device in response to a message request sent from the |
| |user's mobile device. |
| | |
| |Frip: Great, more drivel on your mobile device. |
|System and method for custom service markets; US 9,111,314 B2; |Embodiments of the present invention include methods for providing a |
|8/18/2015; CPC G06Q 30/0641; 15 claims; assigned to Visa International|custom service market to service providers and developers, as well as |
|Service Association. |potential users of such services who conduct various electronic |
| |transactions and communications, and a market place for buying and |
| |selling specific services or products that can directly or indirectly |
| |benefit, support or enable their particular electronics transaction |
| |and communication needs. |
| | |
| |Frip: Huh? |
| |
|August 25, 2015 |
|PATENT |SUMMARY |
|Systems and methods for randomized mobile payment; US 9,117,210 B2; |Relating to providing payment using randomized temporary account |
|8/25/2015; CPC G06Q 20/385; 26 claims. |numbers and systems and methods for obtaining and using randomized |
| |temporary account numbers on a mobile device. |
| | |
| |Frip: The world is getting trickier. |
|System and method for authentication using speaker verification |Directed to systems and methods that allow for cardholder verification|
|techniques and fraud model; US 9,117,212 B2; 8/25/2015; CPC G06Q |using voice biometric techniques. |
|20/4014; 20 claims; assigned to Visa International Service | |
|Association. |Frip: Can you fool a voice authentication device? |
|Electronic transaction risk management; US 9,117,213 B2; 8/25/2015; |Providing a method of detecting unauthorized activity in an electronic|
|CPC G06Q 20/4016; 10 claims; assigned to Royal Canadian Mint. |message transfer system comprising a plurality of devices, each device|
| |being configured to generate and receive cryptographically secured |
| |transfer messages for exchanging content with other devices in the |
| |system, audit information being accumulated in a memory of each |
| |device. |
| | |
| |Frip: Eh? |
| |
|September 1, 2015 |
|PATENT |SUMMARY |
|Online transactions using an embedded storefront widget; US 9,123,064 |Providing a method and system of using widgets embedded in web pages |
|B2; 9/1/2015; CPC G06Q 30/06; 18 claims; assigned to American Express |as virtual storefronts, the method involving a user of a social |
|Travel Related Services Company, Inc. |networking site creating a merchant account with a transaction service|
| |provider, embedding a storefront widget provided by the transaction |
| |service provider in the user's profile page on the social networking |
| |site, using the storefront widget to input information about products |
| |that the user is selling, having other users of the social networking |
| |site viewing the user's profile page and the storefront widget display|
| |of the products the user is selling, and having the other users |
| |interacting with the storefront widget to purchase the products. |
| | |
| |Frip: Have always wondered just what the heck is a widget. |
| |
|September 15, 2015 |
|PATENT |SUMMARY |
|Internal management of contact requests; US 9,135,593 B2; 9/15/2015; |Providing for systems, devices, apparatus, methods, and computer |
|CPC G06Q 10/06311; 54 claims; assigned to Bank of America Corporation.|program products for allowing a first agent associated with an entity |
| |to initiate contact with a second agent associated with the entity via|
| |a contact entry point that is displayed on an interface page, the |
| |process enabling a first agent to contact other agents associated with|
| |the entity in a faster, more efficient, and better informed manner. |
| | |
| |Frip: Why not just pick up the phone? |
|System and method for managing issuance of financial accounts; US |Providing a system for managing issuance of a financial account such |
|9,135,614 B2; 9/15/2015; CPC G06Q 20/24; 11 claims; assigned to Visa |as a corporate meeting account for use in making purchases related to |
|U.S.A. Inc. |a meeting. |
| | |
| |Frip: A patent on a meeting?! |
| |
|September 22, 2015 |
|PATENT |SUMMARY |
|Control system arrangements and methods for disparate network systems;|Relating generally to computer-automated devices, systems and methods,|
|US 9,141, 948 B2; 9/22/2015; CPC G06Q 20/20; 27 claims; assigned to |and as an example, to systems and methods for automated computer |
|U.S. Bank National Association. |systems and networks implemented as may be found in a control center |
| |of a financial institution. |
| | |
| |Frip: A little broad, don’t you think? |
| |
|September 29, 2015 |
|PATENT |SUMMARY |
|Control system arrangements and methods for disparate network systems;|Relating generally to computer-automated devices, systems, and |
|US 9,147,184 B2; 9/29/2015; CPC G06Q 20/20; 20 claims; assigned to |methods, and as an example, to systems and methods for automated |
|U.S. Bank National Association. |computer systems and networks implemented as may be found in a control|
| |center of a financial institution. |
| | |
| |Frip: Here’s my conglomerate of a computer system. Gimme a patent. |
|System and method for controlling financial transactions over a |Providing a method for completing financial transactions at point of |
|wireless network; US 9,147,185 B2; 9/29/2015; CPC G06Q 20/206; 18 |sale locations by using a wireless device, such as a wireless |
|claims; assigned to Unwired Planet, LLC. |telephone or a pager. |
| | |
| |Frip: What’s a pager? |
|Electronic currency and authentication system and method; US 9,147,188|Providing a method of certifying electronic money corresponding to |
|B2; 9/29/2015; CPC G06Q 20/381; 31 claims; assigned to Tectonics. |cash received by a mobile network operator, the method involving the |
| |generation of an electronic money validator for certifying electronic |
| |money, and attaching the electronic money validator to electronic |
| |money originated by the mobile network operator when a cash deposit is|
| |received from a mobile subscriber for deposit into the mobile |
| |subscriber's account that is administered by the mobile network |
| |operator. |
| | |
| |Frip: Money sure is getting complicated. |
| |
|October 6, 2015 |
|PATENT |SUMMARY |
|System and method for downloading an electronic product to a pin-pad |Transmitting to a network gateway a transaction proposal for an |
|terminal after validating an electronic shopping basket entry; US |electronic product from a network device, receiving a response that |
|9,152,957 B2; 10/6/2015; CPC G06Q 20/202; 30 claims; assigned to The |includes a transaction pointer associated with the electronic product,|
|Toronto-Dominion Bank. |an electronic cash register receiving an indication of a proposed |
| |payment amount for the electronic product, a pin-pad terminal |
| |receiving from the electronic cash register confirmation of entry of |
| |the electronic product in an electronic shopping basket maintained by |
| |the electronic cash register, the terminal validating the confirmation|
| |of entry of the electronic product from a comparison with the |
| |transaction proposal response, and the transaction being completed. |
| | |
| |Frip: Whew. |
| |
|October 13, 2015 |
|PATENT |SUMMARY |
|Method and apparatus for object security session validation; US |Relating to token-based rules, tokens, alarms, security systems, and |
|9,159,065 B2; 10/13/2015; CPC G06Q 20/4016; 30 claims; assigned to |whatever. |
|Bank of America Corportion. | |
| |Frip: Locked out of yer car? BofA’s got a token for ya. |
|Systems and methods to communication via a merchant aggregator; US |Relating to the processing of transactions, such as payments made via |
|9,159,084 B2; 10/13/2015; CPC G06Q 30/0256; 25 claims; assigned to |credit cards, debit cards, prepaid cards, etc., and/or providing |
|VISA International Service Association. |information based on the processing of the transaction data. |
| | |
| |Frip: A patent on communicating? |
|System and method for communicating with an electronic exchange in an |Directed to tools for an improved remote connection in an electronic |
|electronic trading environment; US 9,159,097 B2; 10/13/2015; CPC G06Q |trading environment. |
|30/08; 16 claims; assigned to Trading Technologies International, Inc.| |
| |Frip: Nothing like being specific. |
|System for clearing financial transactions; US 9,159,098 B2; |Providing a system for clearing financial transactions in which a |
|10/13/2015; CPC G06Q 40/00; 10 claims; assigned to Visa Cape Town |plurality of banking institutions are each enabled to communicate with|
|(PTY) Ltd. (ZA). |each other and with at least one clearing house and each banking |
| |institution has a computerised server programmed to address clearance |
| |requests to at least some of the plurality of banking institutions in |
| |the system by way of a particular route, and more. |
| | |
| |Frip: Clearing, smearing, ho hum. |
|Client deposit tracking; US 9,159,102 B2; 10/13/2015; CPC G06Q 40/02; |Providing an apparatus and methods for client deposit tracking, the |
|8 claims; assigned to Bank of America Corporation. |methods including preparing depositable items for transfer, |
| |transferring the items to maybe a vault, the depositable items maybe |
| |including cash and/or checks, the cash maybe including coins or any |
| |suitable depositable item. |
| | |
| |Frip: Coins? are they still around? Does your smart phone have a slot |
| |for them? |
| |
|October 20, 2015 |
|PATENT |SUMMARY |
|Payment transaction by email; US 9,165,291 B1; 10/20/2015; CPC G06Q |Sending payment from a person (e.g., a consumer) to another over |
|20/10; 16 claims; assigned to Square, Inc. |e-mail without requiring any sign-up or login procedure, the |
| |technology including, in at least one embodiment, the receipt of a |
| |service request email generated by a native email application on a |
| |consumer's device, verification of the email using information |
| |included in the email, and initiation of the service as requested |
| |based on the information. |
| | |
| |Frip: “Here’s your 10 bucks. Don’t spend it all in one place.” |
|Systems and methods for a network-to-network interface; US 9,165,292 |A first network message, received at a network interface device, |
|B2; 10/20/2015; CPC G06Q 20/16; 18 claims; assigned to MasterCard |containing financial transaction data from a first one of a plurality |
|International Incorporated. |of multiprotocol label switching networks; process involves |
| |determining a destination of the financial transaction data from the |
| |network message, transmitting the financial transaction data to a |
| |second one of the plurality of multiprotocol label switching networks |
| |using a second network containing the financial transaction data, |
| |where at least one of the first one and the second one of the |
| |plurality of multiprotocol label switching networks is a |
| |satellite-based network. |
| | |
| |Frip: Another innovation in message sending? Or is Frip confused? |
|Systems and methods for waveform transmission of transaction card |Relating generally to a portable computer device configured to |
|data; US 9,165,293 B2; 10/20/2015; CPC G06Q 20/20; 22 claims; assigned|transmit transaction card data in a waveform to a merchant |
|to MasterCard International Incorporated. |point-of-sale (POS) device and, more particularly, to a method and |
| |system for converting magnetic stripe data coupled to a payment card |
| |into transaction card data that mimics the magnetic stripe data, and |
| |transmitting the transaction card data as a wave signal from the |
| |computer system to a merchant POS device. |
| | |
| |Frip: A Master’s in EE meets a Master’s in Finance. The result? |
| |Confusion. |
|Method for using barcodes and mobile devices to conduct payment |Facilitating payment transactions by integrating the image capture and|
|transactions; US 9,165,294 B2; 10/20/2015; CPC G06Q 20/3276; 24 |image processing capabilities of certain mobile devices with the |
|claims; assigned to Visa International Service Association. |card-based payment transaction infrastructure, a camera contained in a|
| |mobile device being used in some embodiments to capture an image of a |
| |barcode that is visible on the surface of a substrate. |
| | |
| |Frip: Sayonara real, tangible monies. |
|Automated card information exchange pursuant to a commercial |Relating to a multi-function smart card and method for automated |
|transaction; US 9,165,295 B2; 10/20/2015; CPC G06Q 20/3278; 20 claims.|information exchange pursuant to a commercial transaction. |
| | |
| |Frip: Must be smart-card-in-the-payment-system-week at the Patent |
| |Office. |
|Wireless devices for storing a financial account card and methods for |Providing wireless devices capable of storing a financial account card|
|storing card data in a wireless device; US 9,165,296 B2; 10/20/2015; |and methods for storing card data in a wireless device, and in |
|CPC G06Q 20/3567; 40 claims; assigned to Capital One Financial |particular providing a wireless device capable of reading card data |
|Corporation. |from a financial account card that is inserted into the wireless |
| |device, the wireless device then storing the card data and |
| |transmitting the card data by radio frequency. |
| | |
| |Frip: All those ions flowing through the air probably cause cancer. |
|Virtual account and token-based digital cash protocols; US 9,165,297 |Using a combination of blind digital signatures and pseudonym |
|B2; 10/20/2015; CPC G06Q 20/40; 4 claims; assigned to King Fahd |authentication having at least two pairs of public and private keys, |
|University of Petroleum and Minerals (SA). |the protocols ensuring anonymity when withdrawing digital cash tokens |
| |from the user's account under the user's real identity, in addition to|
| |providing pseudonym authentication when spending digital cash tokens |
| |from pseudonym-identified virtual accounts. |
| | |
| |Frip: Does KFU have cheerleaders for its football team? |
|Method and system for generating and sharing customized portable |Directed to systems and methods for allowing consumers to generate |
|consumer devices; US 9,165,306 B2; 10/20/2015; CPC G06Q 30/42; 17 |customized designs and/or generate customized sets of terms for |
|claims; assigned to Visa U.S.A. Inc. |portable consumer devices, and to share these customized designs |
| |and/or sets of terms with others. |
| | |
| |Frip: Hey Visa, you’re not getting distracted from protecting my |
| |money, are you? |
| |
|October 27, 2015 |
|PATENT |SUMMARY |
|Risk-based transaction authentication; US 9,171,306 B1; 10/27/2015; |Providing an apparatus and methods for evaluating risk associated with|
|CPC G06Q 30/0185; 21 claims; assigned to Bank of America Corporation. |a transaction between a customer and a service provider, and in |
| |particular relating to an apparatus and methods for reducing fraud in |
| |a transaction involving a customer and a financial services provider. |
| | |
| |Frip: Claim 1 has 436 words, so something must be happening. |
|Search term hit counts in an electronic discovery system; US 9,171,310|Relating to systems, apparatus, methods, and computer program products|
|B2; 10/27/2015; CPC G06Q 30/02; 12 claims; assigned to Bank of America|for electronic discovery and, in particular, providing a collaborative|
|Corporation. |interface accessible to all individuals relevant to the search term |
| |creation process (e.g., case analysts, data processors, data reviewers|
| |or the like), such that any designated individual can provide search |
| |term creation inputs, and in addition, providing for tracking of the |
| |search term creation process, such that modifications (e.g., |
| |additions, deletions, changes) to the search terms are tracked prior |
| |to finalizing the search term set, and more. |
| | |
| |Frip: A cynic would say that BofA has been sued so much, of course it |
| |knows all about document review and e-discovery. |
|Hybrid virtual account and token-based digital cash protocols; US |Relating to digital payment methods, and more particularly, to digital|
|9,171,324 B2; 10/27/2015; CPC G06Q 30/06; 19 claims; assigned to King |cash tokens spendable from virtual accounts using secure protocol |
|Fahd University Of Petroleum And Minerals (SA). |methods, the system involving many pairs of secret and public keys. |
| | |
| |Frip: So with oil running out, the Saudis are turning to virtual |
| |money? |
|Due diligence systems with integrated indication of required action; |Relating to systems and methods that facilitate the performance of due|
|US 9,171,333 B2; 10/27/2015; CPC G06Q 40/12; 26 claims; assigned to |diligence in an electronic environment, and more particularly, to |
|NASDAQ, INC. |virtual data rooms where users can access documents and other |
| |information in performing dynamic due diligence. |
| | |
| |Frip: Want a patent? Then learn to use words like “virtual” and |
| |“dynamic.” |
| |
|November 3, 2015 |
|PATENT |SUMMARY |
|System for providing cardless payment; US 9,177,302 B2; 11/3/2015; CPC|Providing a system and method for enabling an account-holder to use |
|G06Q 20/04; 17 claims; assigned to JPMorgan Chase Bank, N.A. |his or her transaction card or a transaction account without actually |
| |having a card present at the time of purchase, this being accomplished|
| |by cross-linking the account-holder's phone number, or other alias |
| |that is selected by the account-holder, to the transaction card |
| |number, such as a credit card number, and providing the customer with |
| |a corresponding "personal identification entry" (PIE) that can be |
| |changed immediately upon receipt so that it is a number that the |
| |account-holder can easily remember. |
| | |
| |Frip: In Frip’s deteriorating stage of life, no number is easily |
| |remembered. |
|Wearable financial indicator; US 9,177,307 B2; 11/3/2015; CPC G06Q |Being a wearable article, such as but not limited to a watch, |
|20/20; 47 claims; assigned to Bank of America Corporation. |wristband, or ring, configured for indicating financial information to|
| |a customer, the wearable article including a communication device |
| |configured for receiving a financial indicator from a server, the |
| |indicator being communicated by the server in accordance with a |
| |financial indicator profile pre-established by the customer, a user |
| |output device, such as a display, being configured for communicating |
| |user output, such as a colored light, to the customer based at least |
| |in part on the financial indicator, the wearable article being |
| |configured to communicate with the server through a mobile terminal, |
| |such as a mobile phone, an Internet hot spot, a mobile telephony |
| |system, a payment network, a point-of-sale terminal, or the like, and |
| |the wearable article being configured to communicate with a |
| |point-of-sale terminal so that the wearable article can also be used |
| |as a payment device. |
| | |
| |Frip: Yikes! My watch just bought a car! |
|Readable indicia for fuel purchase; US 9,177,308 B2; 11/3/2015; CPC |Directed to purchasing fuel for a vehicle from a fuel station, an |
|G06Q 20/20; 14 claims; assigned to Bank of America Corporation. |exemplary apparatus being configured to receive pre-configured |
| |information associated with an information-providing source associated|
| |with at least one of the fuel station or a fuel pump at the fuel |
| |station, to determine identification information associated with the |
| |fuel pump that will be used for fueling the vehicle, and to transmit a|
| |purchase authorization request to an external server based on the |
| |identification information and the pre-configured information. |
| | |
| |Frip: Hey BofA, fill’er up. And be quick about it. |
|Mobile device and application for remote deposit of check images |Being a check image generator application that generates a remote |
|received from payors; US 9,177,310 B2; 11/3/2015; CPC G06Q 20/3223; 12|deposit capture (RDC) compatible check image that is sent from a |
|claims; assigned to Tyfone, Inc. |sender mobile device to a recipient mobile device, the image maybe |
| |passing through a server and maybe being encrypted, the recipient |
| |mobile device receiving the RDC compatible check image and forwarding |
| |it to a financial institution for deposit. |
| | |
| |Frip: So you take a picture of a check and get a patent? |
|System and method for issuing, circulating and trading financial |Issuing, circulating and trading financial instruments with smart |
|instruments with smart features; US 9,177,313 B1; 11/3/2015; CPC G06Q |features, such instruments maybe comprising a document portion and a |
|20/36; 13 claims; assigned to JPMorgan Chase Bank, N.A. |token device attached to or embedded in the document portion, the |
| |token device being configured to provide a unique address for the |
| |financial instrument, the unique address including a device identifier|
| |that matches at least in part the document portion and a network |
| |address that changes based on a network location of the financial |
| |instrument, the system enabling the tracking of the financial |
| |instrument. |
| | |
| |Frip: Big Bro, eh JP? |
|Establishing direct, secure transaction channels between a device and |Relating to methods and systems of electronic transactions and |
|a plurality of service providers; US 9,177,315 B2; 11/3/2015; CPC G06Q|particularly relating to mobile secure electronic transactions, |
|20/3829; 6 claims; assigned to MasterCard Mobile Transactions |including transactions that are provided with per-user, per-device, |
|Solutions, Inc. |and per-domain security across domains of multiple service providers. |
| | |
| |Frip: We don’t stand a chance. |
|Mobile monetary transactions and banking for rural populations; US |Relating generally to conducting monetary transactions using a mobile |
|9,177,316 B2; 11/3/2015; CPC G06Q 20/388; 23 claims. |device and particularly to a solution wherein a user can conduct |
| |secure transactions after using a USB-based memory stick for |
| |authentication, authorization, and security. |
| | |
| |Frip: A thumb drive, the last word in security. |
|System and method for consumer protection; US 9,177,317 B2; 11/3/2015;|Relating to a system and method for protection of private information,|
|CPC G06Q 20/40; 18 claims; assigned to Bank of America Corporation. |and, more specifically, to a system for combating website spoofing |
| |through personalization and customization. |
| | |
| | Frip: So, another anti-spoofing patent. BofA taking all the fun out |
| |of life. |
| |
|November 10, 2015 |
|PATENT |SUMMARY |
|Transaction processing using a global unique identifier; US 9,183,555 |Using a Globally Unique IDentifier (GUID) to match an authorization |
|B2; 11/10/2015; CPC G06Q 20/4014; 18 claims; assigned to VISA U.S.A. |request with an authorization response for a transaction between a |
|Inc. |merchant and a consumer upon an account within a payment processing |
| |system where the payment amount is unknown until after the merchant |
| |receives the authorization response that includes the GUID. |
| | |
| |Frip: Huh? |
| |
|November 17, 2015 |
|PATENT |SUMMARY |
|Systems and methods for operating transaction terminals; US 9,189,786 |Providing a payment reader and terminal that allow processing of |
|B2; 11/17/15; CPC G06Q 20/327; 5 claims; assigned to MasterCard |payment card transactions, including transactions involving |
|International Incorporated. |contactless and other payment devices, the reader and terminal being |
| |adapted in some embodiments to processing transactions in a |
| |synchronized manner such that the reader requests data from the |
| |terminal and the terminal can allow for piecemeal or stepped reading |
| |of information from the reader and the payment device, thus ensuring |
| |that the reader does not move to the next phase of a transaction until|
| |the terminal has confirmed that the reading phase has been completed. |
| | |
| |Frip: Whaa? |
|Customer service controller; US 9,189,790 B2; 11/17/15; CPC G06Q |Relating to systems and methods for providing information about a |
|30/016; 21 claims; assigned to Chicago Mercantile Exchange Inc. |caller to an agent, such as a customer service operator in a customer |
| |service call center, in one embodiment the agent receiving detailed |
| |account and/or personal information about the caller before being |
| |connected to the actual or live call, the customer database and the |
| |order database being external to the call center. |
| | |
| |Frip: Wow! What a concept! |
| |
|November 24, 2015 |
|PATENT |SUMMARY |
|Remote deposit capture compatible check image generation; US 9,195,974|Generating a remote deposit capture (RDC) compatible check image that |
|B2; 11/24/2015; CPC G06Q 20/0425; 20 claims; assigned to Tyfone, Inc. |is sent from a sender mobile device to a recipient mobile device, that|
| |may be encrypted, and that is forwarded to a financial institution for|
| |deposit. |
| | |
| |Frip: Scary. |
|Delivery of information services to personal devices; US 9,195,975 B2;|Relating generally to the delivery of information services to |
|11/24/2015; CPC G06Q 20/08; 11 claims; assigned to MasterCard |customers (for example, consumers and corporate employees) and, more |
|International Incorporated. |particularly, to the delivery of such information services to personal|
| |devices held by such customers, one particular embodiment concerning a|
| |display card based information service, other embodiments including |
| |other form factors of personal devices, such as key fobs, PDAs, mobile|
| |phones, and so on. |
| | |
| |Frip: Excuse me, my key fob is calling. |
|System and method for remote deposit system; US 9,195,977 B2; |Receiving facsimile data corresponding to facsimile of a plurality of |
|11/24/2015; CPC G06Q 20/108; 5 claims; assigned to EFT Network, Inc. |checks, constructing digitized images of the checks as a function of |
| |the facsimile data, gathering check data from each of the digitized |
| |images, and processing the check data according to a check processing |
| |procedure to settle transactions referenced by each of the checks. |
| | |
| |Frip: So which is real money, a check or a facsimile thereof? |
|Dynamic query sequences for retrieval of negotiable instrument image; |Relating to dynamic query sequences for requesting images of financial|
|US 9,195,978 B1; 11/24/2015; CPC G06Q 20/108; 38 claims; assigned to |documents such as negotiable instruments including checks from a data |
|Intuit Inc. |store or image server, the query sequences being dynamic and changing |
| |over time in contrast to static or fixed query sequences that are |
| |currently utilized. |
| | |
| |Frip: Intuit talks a different language than the rest of us. |
|System and method for authorizing transactions via mobile devices; US |Receiving a transaction code generated by a mobile phone via a first |
|9,195,981 B2; 11/24/2015; CPC G06Q 20/322; 21 claims; assigned to IMS |channel, comparing it to the transaction code received from a merchant|
|Health Incorporated. |system via a second channel, and if the codes correspond, processing |
| |the transaction. |
| | |
| |Frip: What if your only mobile device is a bicycle? |
|Systems and methods for processing transactions using a wallet; US |Providing a wallet vault, in the form of a tangibly embodied |
|9,195,984 B1; 11/24/2015; CPC G06Q 20/3674; 21 claims; assigned to |processing machine, disposed in communication with a financial payment|
|JPMorgan Chase Bank, N.A. |network, the wallet vault comprising a communication portion that |
| |inputs and outputs information and a processing portion that may |
| |perform processing including storing token information of a customer |
| |and real credentials of the customer. |
| | |
| |Frip: You’re not just making stuff up, are you JP? |
| |
|December 1, 2015 |
|PATENT |SUMMARY |
|Methods and apparatus for providing and operating an enhanced payment |Providing improved methods and apparatus for providing and operating a|
|display card with network support; US 9,202,214 B2; 12/1/2015; CPC |payment card with a display which allows payment network support, |
|G06Q 20/341; 8 claims; assigned to MasterCard International |allowing payment cardholders to use their payment card in different |
|Incorporated. |ways. |
| | |
| |Frip: Another step forward for mankind (and womankind too). |
|Using mobile device to monitor for electronic bank card communication;|Permitting a bank customer's consumer electronics (CE) device to |
|US 9,202,212 B1; 12/1/2015; CPC G06Q 20/3227; 15 claims; assigned to |passively eavesdrops on near field communications (NFC) between the |
|Sony Corporation (JP). |customer's electronic debit or credit card (e-card) and a third |
| |device, the customer being alerted, when such communication is |
| |detected from the e-card, to possibly fraudulent "fishing" of the |
| |e-card data by a nearby theft device. |
| | |
| |Frip: Near field communications. Cool. |
| |
|December 8, 2015 |
|PATENT |SUMMARY |
|System and method for facilitating online transactions; US 9,208,485 |Facilitating online transactions, the method including supplying |
|B2; 12/8/2015; CPC G06Q 20/26; 18 claims; assigned to American Express|content for display in a frame of a website hosted by a third-party, |
|Travel Related Services Company, Inc. |and also including receiving transaction information from the |
| |third-party, returning a token to the frame, the token including state|
| |information based on the transaction information, passing the token |
| |from the frame to the third-party, and optionally receiving the token |
| |from the third-party and transferring funds from a first account to a |
| |second account based on the transaction information and the state |
| |information. |
| | |
| |Frip: Huh? |
|Facilitating establishing trust for a conducting direct secure |Providing methods and systems for supporting electronic transactions, |
|electronic transactions between a user and a financial service |including transactions that are provided with per-user, per-device, |
|providers; US 9,208,490 B2; 12/8/2015; CPC G06Q 20/3829; 10 claims; |and per-domain security across domains of multiple service providers. |
|assigned to MasterCard Mobile Transactions Solutions, Inc. | |
| |Frip: A kitchen-sink patent? |
|Low latency financial data network architecture; US 9,208,523 B2; |Providing improved financial data network systems and methods that |
|12/8/2015; CPC G06Q 40/04; 20 claims; assigned to Dell Products L.P. |allow for the communication of financial market data and the execution|
| |of market trades with reduced levels of network latency. |
| | |
| |Frip: Yeah, that latency is bad stuff. Once had a case of it my own |
| |self. |
| |
|December 15, 2015 |
|PATENT |SUMMARY |
|Machine, methods, and program product for electronic inventory |Relating generally to electronic inventory management, and more |
|tracking; US 9,213,965 B1; 12/15/2015; CPC G06Q 20/085; 5 claims; |specifically, to machines, methods, and program products for |
|assigned to MetaBank. |facilitating electronic inventory management of products through |
| |messaging over existing financial services electronic payment |
| |networks. |
| | |
| |Frip: Should flow charts be patentable? |
|Investment, trading and accounting management system; US 9,213,993 B2;|Relating generally to an investment, trading and accounting management|
|12/15/2015; CPC G06Q 40/06; 21 claims; assigned to American Financial |system and method to manage investments under various accounting |
|Group, Inc. |methodologies effective dated for events occurring in the life of the |
| |security, effective dating ensuring that the full financial effect of |
| |an event will be reported "as-of" a specific date, regardless of the |
| |date it occurred, or the date it entered the system. |
| | |
| |Frip: Should systems really be patentable? |
| |
|December 22, 2015 |
|PATENT |SUMMARY |
|Portable e-wallet and universal card; US 9,218,598 B2; 12/22/2015; CPC|Providing a method for use in a system comprising a card reader in |
|G06Q 20/3829; assigned to GoNow Technologies, LLC. |communication with a computing device and a universal card in wireless|
| |communication with the computing device, wherein the computing device |
| |comprises an application and the universal card comprises a secure |
| |element and a dynamic magnetic stripe. |
| | |
| |Frip: Devices, cards, you need a backpack to carry all this stuff. |
| |
|December 29, 2015 |
|PATENT |SUMMARY |
|Encoding a magnetic stripe of a card with data of multiple cards; US |Providing a method and apparatus for encoding a magnetic stripe area |
|9,224,141 B1; 12/29/2015; CPC G06Q 20/341; 26 claims; assigned to |of a magnetic stripe card with account data from multiple cards, such |
|Square, Inc. |as account data from a driver's license and from various payment |
| |cards, such as a credit card, a debit card, and a pre-paid gift card. |
| | |
| |Frip: In other words, you got your whole life on one piece of plastic.|
| |Best you don’t lose it. |
|Retrieving product information from embedded sensors via mobile device|Providing methods, apparatuses, systems, and computer program products|
|video analysis; US 9,224,166 B2; 12/29/2015; CPC G06Q 30/0623; 48 |for using video analysis to process video streams and, more |
|claims; assigned to Bank of America Corporation. |specifically, to access product information from embedded sensors and |
| |present information associated with the product to the user, which |
| |information may be presented via augmented reality (AR) or the like. |
| | |
| |Frip: Frip’s love life could use a little AR. |
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