Patent application number | Description | Published |
20130262239 | PRIORITIZING POTENTIAL TRANSACTION COUNTER-PARTIES WITH SOCIAL NETWORK CONTENT - A user installs a Peer-to-Peer Payment Application (“PPA”) on their mobile device. The PPA transmits the location of the user device to a server located in a Peer-to-Peer Payment System (“PPS”). The PPS may search for other devices within a certain proximity to the user that may be active. The PPS may search the social network content of the user to determine if any of the proximate devices users are likely counter-parties. If more than one likely counter-party is identified, the PPS may rank the counter-parties according to a preconfigured set of factors that define the strength of the connection to the user. These factors may include their status in the user's social networks, frequency of contact, prior transactions, or other factors that further establish a relationship. The PPS may transmit the ranked list of likely counter-parties to the PPA for display to the user on the device. | 10-03-2013 |
20130262294 | TRACKING AND MANAGING GROUP EXPENDITURES - A group including plurality of users is established. A transaction record is maintained for the group that includes a plurality of payment transactions. Each of the plurality of payment transactions involves at least one user of the group. Additionally, a balance is maintained that indicates an amount owed by a first user of the group to a second user of the group based on one or more of the plurality of payment transactions. When a settling event occurs, the balance is settled by initiating a transfer of funds between the first user and the second user. | 10-03-2013 |
20130332357 | SETTING PEER-TO-PEER AUTHORIZATION LEVELS WITH SOCIAL NETWORK CONTENT - The invention provides a computer-implemented method for using the social networking content of a user to determine authentication levels required for a peer-to-peer transaction. A user inputs transaction counter-party and transaction details into a payment application. The information can be transmitted to a server located in a peer-to-peer payment system. The system may search the social network content of the user to determine the account information of the counter-party and to assess the security risk of the counter-party according to a preconfigured set of factors that define the strength of the connection to the user. These factors may include the counter-party's status in the user's social networks, frequency of contact, prior transactions, or other factors that further establish a relationship. The system may determine the level of transaction authentication required to process the transaction. The user may enter the authentication data to complete the transaction. | 12-12-2013 |
20140074709 | EFFICIENT TRANSFER OF FUNDS BETWEEN ACCOUNTS - A transfer management system receives a request to transfer an amount of funds from a transferring account maintained by a transferring bank to a receiving account maintained by a receiving bank. The transfer management system determines whether the transferring bank maintains an intermediate transferring account, and whether the receiving bank maintains an intermediate receiving account. If the transferring bank maintains an intermediate transferring account and the receiving maintains an intermediate receiving account, the transfer management system transmits to a transferring bank system of the transferring bank an intra-bank transfer request. The intra-bank transfer request is to transfer the amount of funds from the transferring account to the intermediate transferring account. Additionally, the transfer management system transmits an intra-bank transfer request to a receiving bank system of the receiving bank to transfer the amount of funds from the intermediate receiving account maintained by the receiving bank to the receiving account. | 03-13-2014 |
20140156521 | METHODS FOR DISCOVERING AND PAYING DEBTS OWED BY A GROUP - Ranking payment requests includes a peer-to-peer payment system that employs a server configured for receiving a payment request from a requester computing device; receiving location data of the requester network device; receiving a request for a ranking of payment requests; searching social network information of the payor for occurrences of the requester of the payment request; receiving location data of the payor network device, the location data comprising a location of the payor computing device and a location history of the payor computing device; searching a transaction history of the payor; ranking the payment requests based at least in part on one or more of the location of the requester, a strength of social network connections to the payor for each of the payment requesters, and number of previous transactions between the payor and the requester; and providing the ranking of the payment requests to the payor. | 06-05-2014 |
20140279457 | PAYMENTS IN COMMUNICATION SYSTEMS - Users of a communication system can initiate electronic payments during a communication session hosted by the communication system or via a social network identity page hosted by the communication system. The communication system detects a payment signal from a user of the communication system and the collects payment information details either by displaying a payment object interface in a communication application of the user or receiving payment information input directly from the user's communication device. The payment information includes sender and recipient payment account identifiers that are communicated to a payment processing system for processing and delivery of the designated payment amount to the recipient. | 09-18-2014 |
20160042330 | METHODS FOR DISCOVERING AND PAYING DEBTS OWED BY A GROUP - Ranking payment requests includes a peer-to-peer payment system that employs a server configured for receiving a payment request from a requester computing device; receiving location data of the requester network device; receiving a request for a ranking of payment requests; searching social network information of the payor for occurrences of the requester of the payment request; receiving location data of the payor network device, the location data comprising a location of the payor computing device and a location history of the payor computing device; searching a transaction history of the payor; ranking the payment requests based at least in part on one or more of the location of the requester, a strength of social network connections to the payor for each of the payment requesters, and number of previous transactions between the payor and the requester; and providing the ranking of the payment requests to the payor. | 02-11-2016 |
20160132859 | INITIATING PEER-TO-PEER TRANSACTIONS WITH A MAGNETIC STRIP CARD - The present invention provides a computer-implemented method to conduct a peer-to-peer transaction. A peer-to-peer transaction system receives a request for transaction approval from a merchant network device. The request includes user account information captured from a magnetic strip card encoded with the user account information and transaction information. The peer-to-peer transaction system determines that the transaction information is valid; transmits a request for authorization of the transaction to a user network device; receives an indication that the user authorized the transaction; transmits an approval of the transaction to a merchant network device; and conducts the transaction. | 05-12-2016 |
Patent application number | Description | Published |
20130004841 | CARBON - LEAD BLENDS FOR USE IN HYBRID ENERGY STORAGE DEVICES - The present application is directed to blends comprising a plurality of carbon particles and a plurality of lead particles. The blends find utility in any number of electrical devices, for example, in lead acid batteries. Methods for making and using the blends are also disclosed. | 01-03-2013 |
20130209348 | PREPARATION OF POLYMERIC RESINS AND CARBON MATERIALS - The present application is directed to methods for preparation of polymer particles in gel form and carbon materials made therefrom. The carbon materials can have enhanced electrochemical properties and find utility in any number of electrical devices, for example, as electrode material in ultracapacitors or batteries. | 08-15-2013 |
20130252082 | HARD CARBON MATERIALS - The present application is directed to hard carbon materials. The hard carbon materials find utility in any number of electrical devices, for example, in lithium ion batteries. Methods for making the disclosed carbon materials are also disclosed. | 09-26-2013 |
20150321920 | PREPARATION OF POLYMERIC RESINS AND CARBON MATERIALS - Methods for making carbon materials are provided. In at least one specific embodiment, the method can include combining one or more polymer precursors with one or more liquids to produce a mixture. The mixture can be an emulsion, dispersion, or a suspension. The liquid can include hexane, pentane, cyclopentane, benzene, toluene, o-xylene, m-xylene, p-xylene, diethyl ether, ethylmethylketone, dichloromethane, tetrahydrofuran, mineral oils, paraffin oils, vegetable derived oils, or any mixture thereof. The method can also include aging the mixture at a temperature and time sufficient for the polymer precursor to react and form polymer gel particles having a volume average particle size (Dv,50) of the polymer particles in gel form greater than or equal to 1 mm. The method can also include heating the polymer gel particles to produce a carbon material. | 11-12-2015 |