Intuit, Inc.

Jonathan David Fasoli

William Michael Dorsch

Yogish Pai

Maksim L Rokhline

Brandon J Gador

Amy M Kerman

Joseph Hikmet Guzel

Nathaniel David Anderson

Jugdip Singh Bath

Scott Alan Blum

Christopher Chad Womack

Shrisha Radhakrishna

Juqdip S Bath

Samuel Henry Michael Fischer

Allyson Lippert Letteri

Maksim Rokhline

Pranay Kapadia

During a device programming technique, a merchant provides account information associated with a smart-card terminal to a portable electronic device (such as a cellular telephone), which is coupled to the smart-card terminal. In response, the portable electronic device provides the account information to a computer remotely located relative to the portable electronic device. Then, the computer provides a merchant identifier and a terminal identifier to the portable electronic device. Next, the portable electronic device provides the merchant identifier and the terminal identifier to the smart-card terminal, thereby facilitating programming of the smart-card terminal.

Remote configuration of EMV terminals

A method for conducting financial transactions with an automated teller machine (ATM), including: receiving, by a mobile device, a first authentication credential from a user; authenticating, by the mobile device, the user for access to a financial account based on the first authentication credential; wirelessly transmitting, by the mobile device and to the ATM, a first request to establish a direct short range wireless connection with the ATM after authenticating the user; establishing, by the mobile device, the direct short range wireless connection with the ATM after transmitting the first request; and sending, over the direct short range wireless connection, an identifier of the user to the ATM, where the user makes a selection of a cash amount for withdrawal from the financial account, and where the ATM dispenses the cash amount to the user.

ATM transaction with a mobile device

A method for automatically tracking mileage may include detecting a connection between a wireless sensor of a mobile device of a user and a wireless device, determining that the wireless device corresponds to a vehicle of the user, initiating tracking of a trip of the vehicle in response to detecting the connection, detecting termination of the connection using the wireless sensor, stopping tracking of the trip in response to detecting the termination of the connection, determining that the termination of the connection was caused by a dropped connection, and resuming tracking of the trip in response to determining that the termination of the connection was caused by the dropped connection.

Leveraging wireless connections for automated mileage tracking

A method for inventory management. The method includes: obtaining a first invoice sent from a supplier to a first merchant; capturing, by a computer processor, a first set of inventory data from fields on the first invoice; updating a template for the supplier based on capturing the first set of inventory data, where the template includes locations of the fields on the first invoice; obtaining a second invoice sent from the supplier to a second merchant, where the second invoice includes the fields; and capturing, after updating the template and by the computer processor, a second set of inventory data from the fields on the second invoice using the template, where the second set of inventory data includes a quantity of a product purchased from the supplier, and where an inventory database of the second merchant is updated with the quantity of the product.

Inventory management

A method to process credit card transactions, including obtaining available merchant account IDs allocated to a master merchant account at a credit card processor entity of a credit card transaction network, where the master merchant is authorized to set up merchant accounts based on the master merchant account and assumes merchant-side financial risks of the merchant accounts, receiving, after obtaining the available merchant account IDs, a request from a merchant to set up a merchant account, and assigning, in response to credit approval of the merchant, a merchant account ID selected from the available merchant account IDs to the merchant for setting up the merchant account, where a credit card transaction of the merchant is submitted, subsequent to assigning the merchant account ID, to the credit card processor entity for authorization based on the master merchant account, where the credit card transaction is tagged with the merchant account ID.

Pre-allocating merchant ID in a credit card processor entity system by a master merchant

A method for personal identification number (PIN) fraud prevention, comprising: receiving, a request for a card-based financial transaction; prompting a customer for a PIN; receiving, from a scroll wheel corresponding to a plurality of digits, a first digit of the PIN, wherein the customer selects the first digit of the PIN by touching a touch sensitive region associated with the scroll wheel; receiving from the scroll wheel, a second digit of the PIN, wherein the customer selects the second digit of the PIN by touching the touch sensitive region, wherein the second digit is different than the first digit, and wherein touching the touch sensitive region to select the first digit and the second digit prevents fraud based on tracking PIN entry; and completing the card-based financial transaction.

Method and system for reducing personal identification number (PIN) fraud in point of sale transactions

A method for processing financial requests, including: identifying an approval criterion and a predefined proximity for approving financial requests; receiving, from a mobile device of a merchant, a financial request including merchant-provided data, where the merchant-provided data includes an address of the merchant; receiving a location coordinate from the mobile device; determining, by a computer processor, that the location coordinate is within the predefined proximity of the address of the merchant; identifying, by the computer processor, at least a portion of the merchant-provided data required to evaluate the approval criterion; evaluating, by the computer processor, the approval criterion using the portion of the merchant-provided data; determining, based on evaluating the approval criterion, that the approval criterion is satisfied; and approving the financial request in response to determining that the location coordinate is within the predefined proximity and determining that the approval criterion is satisfied.

Geo-location based underwriting

A system and method to assign a score to an entity involved in a transaction where the score is used to manage risk for a transaction underwriter. In particular, the score represents the ability of the entity to fulfill a financial obligation separate from the transaction where failure to fulfill the financial obligation by the entity results in defaulting on the transaction. The score assigned to the entity may be determined by aggregating data obtained from multiple sources, such as accounting application, payroll application, inventory management application, personal financial management application, and/or tax preparation application used by the entity.

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Aliso Viejo, CA, United States of America

Jonathan David Fasoli