Patents
US 12762563 B1: Detecting fraud based on gratuity amounts
- Granted
- 2026-10-13
- Filed
- 2024-01-17 application 18415138
- Type
- Utility · 18 claims
- Elsewhere
- Google Patents ↗ · USPTO patent document ↗ · USPTO Patent Center record ↗
Abstract
A system includes a point of sale device and a processing system to detect trigger data indicative of a transaction expected to occur within a time period. Furthermore, the processing system is configured to receive a gratuity model associated with a user associated with the transaction in response to detecting the trigger data. The gratuity model is representative of expected gratuity amounts corresponding to transaction types. Additionally, the processing system is configured to receive, from the point of sale device, transaction data including an actual gratuity amount associated with the transaction. The processing system is also configured to determine an expected gratuity amount based on the gratuity model. Further, the processing system is configured to generate an alert indicative of unexpected financial activity in response to the actual gratuity amount deviating from the expected gratuity amount by a threshold amount. The alert is presented via an electronic display.
Source: PTBLXML, file of 2026-10-13 (ipgb20261013.xml).
Assignees
| Assignee | Type | Place | Also on furp.org | Source |
|---|---|---|---|---|
| United Services Automobile Association (USAA) 3,269 patents | US company or organization | San Antonio, TX | PTBLXML, file of 2026-10-13 |
Inventors
| Inventor | Place | Patents | Person page | Source |
|---|---|---|---|---|
| Nolan Serrao | Plano, TX | 85 | PTBLXML, file of 2026-10-13 | |
| David Joaquin Harris | San Antonio, TX | 33 | PTBLXML, file of 2026-10-13 | |
| Qunying Kou | San Antonio, TX | 41 | PTBLXML, file of 2026-10-13 | |
| Gideon Bowie Luck | Plano, TX | 24 | PTBLXML, file of 2026-10-13 | |
| Nickolaus Wayne O'Neal | San Antonio, TX | 13 | PTBLXML, file of 2026-10-13 | |
| Kristina Suniga-Cabrera | San Antonio, TX | 19 | PTBLXML, file of 2026-10-13 |
CPC categories
| Subclass | Category | First group | Source |
|---|---|---|---|
| G06Q | Information and communication technology [ict] specially adapted for administrative, commercial, financial, managerial or supervisory purposes; systems or methods specially adapted for administrative, commercial, financial, managerial or supervisory purposes, not otherwise provided for | G06Q20/4016 | PTBLXML, file of 2026-10-13 |
Cooperative Patent Classification, as currently assigned (one row per subclass).
Assignments and security interests
| Recorded | What | From | To | Reel/frame | Source |
|---|---|---|---|---|---|
| 2025-07-02 | Assignment Assignment of assignor's interest | SERRAO, NOLAN signed 2025-07-02 HARRIS, DAVID JOAQUIN signed 2022-12-23 KOU, QUNYING signed 2022-12-29 LUCK, GIDEON BOWIE signed 2022-12-23 O'NEAL, NICKOLAUS WAYNE signed 2022-12-23 SUNIGA-CABRERA, KRISTINA signed 2022-12-23 | UIPCO, LLC SAN ANTONIO, TX | 71595/546 | PASDL, file of 2026-10-16 |
Documents recorded with the USPTO Assignment Recordation Branch that list this patent. A security interest is a lender’s claim on the patent as collateral; a release ends it.
USPTO bulk data: PatentsView granted patents, disambiguated (PVGPATDIS) for patents, assignees, inventors, places and CPC categories; the USPTO Patent Assignment Dataset (ECORSEXC) for assignments and security interests. Patents filed in the last 20 years. No claims or full text. Links to other records are by name (and state): EXACT means the identical full name and state; FUZZY means a looser name match, with the confidence shown.