Patents by Inventor Michael Steven Bankston
Michael Steven Bankston has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 11824838Abstract: Methods and systems disclosed herein relate to providing a receiving entity with a package of assertions. A package of assertions may include a group of yes or no statements (e.g., as an answer to a question). Alternatively, or additionally, a package of assertions may comprise a clustered assertion, which is a singular yes or no statement, that is itself based on a set of underlying assertions made using information from one or more sources. A particular type of package of assertions may be selected based on the relying entity requesting the assertions, based on an assertions model. The package of assertions may be cryptographically secured.Type: GrantFiled: March 30, 2022Date of Patent: November 21, 2023Assignee: Visa International Service AssociationInventors: Michael Steven Bankston, Erik Christopher Friend, Jerry Wald, Victor Zhiltsov
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Patent number: 11757638Abstract: Methods and systems for processing interactions with account assertions are disclosed. A method includes receiving, by an assertions model manager, a first request from a resource provider computer for a set of assertions including an account assertion, related to a digital identity of a user. The method then includes responding, by the assertions model manager, to the first request with a response message, comprising a set of assertions, wherein one of the plurality of assertions is an account assertion. Then the method includes receiving, by the assertions model manager, a second request from the resource provider for a value interaction from the user and initiating, by the assertions model manager, the value interaction.Type: GrantFiled: May 13, 2019Date of Patent: September 12, 2023Assignee: Visa International Service AssociationInventors: Michael Steven Bankston, Erik Friend, Jerry Wald
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Publication number: 20230208642Abstract: Disclosed are methods and systems for securely providing identity attributes. A server computer may receive, from a relying entity, a request for identity attributes associated with a target entity, wherein the request for identity attributes includes a session identifier associated with the target entity and an identifier of the relying entity. The server computer may validate the request based on the session identifier. The server computer may identify, based on the identifier of the relying entity, a package defining types of identity attributes for the relying entity and a data access token associated with the package. Based on validating the request, the server computer may transmit, to a digital identity provider, a request for a set of identity attributes corresponding to the package, the request comprising the data access token. The server computer may receive, from the digital identity provider, the set of identity attributes.Type: ApplicationFiled: March 2, 2023Publication date: June 29, 2023Applicant: Visa International Service AssociationInventor: Michael Steven Bankston
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Patent number: 11663590Abstract: Disclosed are methods and systems for enabling a package of assertions to be provided to a relying entity seeking to interact with an account. A server computer may receive, from a relying entity, a request for assertions, wherein the request for assertions includes an identifier of the relying entity and a hash of an identifier of an account. The server computer may determine an assertions model based on the identifier of the relying entity. The server computer may retrieve a package of assertions associated with the account based on the assertions model and the hash of the identifier of the account. The server computer may transmit the package of assertions to the relying entity.Type: GrantFiled: March 15, 2019Date of Patent: May 30, 2023Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Michael Steven Bankston, Erik Christopher Friend, Jerry Wald
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Patent number: 11621844Abstract: Disclosed are methods and systems for securely providing identity attributes. A server computer may receive, from a relying entity, a request for identity attributes associated with a target entity, wherein the request for identity attributes includes a session identifier associated with the target entity and an identifier of the relying entity. The server computer may validate the request based on the session identifier. The server computer may identify, based on the identifier of the relying entity, a package defining types of identity attributes for the relying entity and a data access token associated with the package. Based on validating the request, the server computer may transmit, to a digital identity provider, a request for a set of identity attributes corresponding to the package, the request comprising the data access token. The server computer may receive, from the digital identity provider, the set of identity attributes.Type: GrantFiled: May 3, 2019Date of Patent: April 4, 2023Assignee: Visa International Service AssociationInventor: Michael Steven Bankston
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Publication number: 20220303248Abstract: Methods and systems disclosed herein relate to providing a receiving entity with a package of assertions. A package of assertions may include a group of yes or no statements (e.g., as an answer to a question). Alternatively, or additionally, a package of assertions may comprise a clustered assertion, which is a singular yes or no statement, that is itself based on a set of underlying assertions made using information from one or more sources. A particular type of package of assertions may be selected based on the relying entity requesting the assertions, based on an assertions model. The package of assertions may be cryptographically secured.Type: ApplicationFiled: March 30, 2022Publication date: September 22, 2022Inventors: Michael Steven Bankston, Erik Christopher Friend, Jerry Wald, Victor Zhiltsov
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Patent number: 11328302Abstract: 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.Type: GrantFiled: October 28, 2020Date of Patent: May 10, 2022Assignee: Visa International Service AssociationInventors: Ilker Celikyilmaz, Sivakumar Seshappan, Kalpana Jogi, Tirtha Mauli Sarkar, Darpan Dewan, Thoithoi Chingakham, Michael Steven Bankston, Raman Chinnappan
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Patent number: 11323420Abstract: Methods and systems disclosed herein relate to providing a receiving entity with a package of assertions. A package of assertions may include a group of yes or no statements (e.g., as an answer to a question). Alternatively, or additionally, a package of assertions may comprise a clustered assertion, which is a singular yes or no statement, that is itself based on a set of underlying assertions made using information from one or more sources. A particular type of package of assertions may be selected based on the relying entity requesting the assertions, based on an assertions model. The package of assertions may be cryptographically secured.Type: GrantFiled: November 16, 2018Date of Patent: May 3, 2022Assignee: Visa International Service AssociationInventors: Michael Steven Bankston, Erik Christopher Friend, Jerry Wald, Victor Zhiltsov
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Publication number: 20220046023Abstract: A system and method are provided which include receiving, from a first application on a user device, an indication that a user has been authenticated and receiving, from a second application on the user device, an indication that the user is detected. The user device receives the indication that the user is detected from a wearable device on the user. Based on receiving the two indications within a time period, a trust token is generated or maintained for the user.Type: ApplicationFiled: December 10, 2019Publication date: February 10, 2022Inventors: Erik Christopher Friend, Michael Steven Bankston
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Publication number: 20210399892Abstract: Methods and systems for processing interactions with account assertions are disclosed. A method includes receiving, by an assertions model manager, a first request from a resource provider computer for a set of assertions including an account assertion, related to a digital identity of a user. The method then includes responding, by the assertions model manager, to the first request with a response message, comprising a set of assertions, wherein one of the plurality of assertions is an account assertion. Then the method includes receiving, by the assertions model manager, a second request from the resource provider for a value interaction from the user and initiating, by the assertions model manager, the value interaction.Type: ApplicationFiled: May 13, 2019Publication date: December 23, 2021Inventors: Michael Steven Bankston, Erik Friend, Jerry Wald
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Publication number: 20210374728Abstract: Disclosed are methods and systems for enabling a package of assertions to be provided to a relying entity seeking to interact with an account. A server computer may receive, from a relying entity, a request for assertions, wherein the request for assertions includes an identifier of the relying entity and a hash of an identifier of an account. The server computer may determine an assertions model based on the identifier of the relying entity. The server computer may retrieve a package of assertions associated with the account based on the assertions model and the hash of the identifier of the account. The server computer may transmit the package of assertions to the relying entity.Type: ApplicationFiled: March 15, 2019Publication date: December 2, 2021Inventors: Michael Steven Bankston, Erik Christopher Friend, Jerry Wald
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Publication number: 20210350369Abstract: Disclosed are methods and systems for enabling an assertion to be provided to a relying entity that is associated with a discount or digital coupon for an item in a transaction. The assertion may indicate an interaction by a user device with a digital indicator associated with the item and/or a resource provider offering the item. The assertion may be associated with a user and redeemed at a later time to apply a discount for an item involved in a transaction. The assertion may indicate an interaction with a digital indicator at one location for an item and redeemed at another location, including an online transaction, for the same item.Type: ApplicationFiled: September 20, 2019Publication date: November 11, 2021Inventors: Michael Steven Bankston, Erik Christopher Friend
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Publication number: 20210320799Abstract: Disclosed are methods and systems for securely providing identity attributes. A sewer computer may receive, from a relying entity, a request for identity attributes associated with a target entity, wherein the request for identity attributes includes a session identifier associated with the target entity and an identifier of the relying entity. The server computer may validate the request based on the session identifier. The server computer may identify, based on the identifier of the relying entity, a package defining types of identity attributes for the relying entity and a data access token associated with the package. Based on validating the request, the server computer may transmit, to a digital identity provider, a request for a set of identity attributes corresponding to the package, the request comprising the data access token. The sewer computer may receive, from the digital identity provider, the set of identity attributes.Type: ApplicationFiled: May 3, 2019Publication date: October 14, 2021Inventor: Michael Steven Bankston
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Publication number: 20210233093Abstract: Provided is a method and computer program product for ranking and selecting triggers. The method includes displaying a user interface to a marketer user, determining a predicted effectiveness for each trigger of a set of triggers associated with at least one offer based at least partially on a likelihood of a plurality of users performing transactions satisfying conditions associated with each trigger of the set of triggers, generating a ranked set of triggers by ranking each trigger of the set of triggers according to the predicted effectiveness of each respective trigger of the set of triggers, displaying the ranked set of triggers for the selection of at least one trigger, and in response to the selection of the at least one trigger by the marketer user from the user interface, generating at least one trigger record from the at least one trigger.Type: ApplicationFiled: April 12, 2021Publication date: July 29, 2021Inventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Michael James Gebbie, Michael Steven Bankston
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Patent number: 10977666Abstract: In one aspect, a computing apparatus is configured to receive an input specifying a set of users, identify a set of triggers, each of which corresponds to a set of one or more conditions which when satisfied cause transmission of a message to the set of users, rank the triggers based at least in part on transaction data of the users that was recorded by a transaction handler, and generate a ranked list of the triggers based on the ranking.Type: GrantFiled: April 11, 2018Date of Patent: April 13, 2021Assignee: Visa International Service AssociationInventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Michael James Gebbie, Michael Steven Bankston
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Publication number: 20210073814Abstract: 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.Type: ApplicationFiled: October 28, 2020Publication date: March 11, 2021Inventors: Ilker Celikyilmaz, Sivakumar Seshappan, Kalpana Jogi, Tirtha Mauli Sarkar, Darpan Dewan, Thoithoi Chingakham, Michael Steven Bankston, Raman Chinnappan
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Patent number: 10846703Abstract: 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.Type: GrantFiled: November 14, 2018Date of Patent: November 24, 2020Assignee: Visa International Service AssociationInventors: Ilker Celikyilmaz, Sivakumar Seshappan, Raman Chinnappan, Kalpana Jogi, Tirtha Mauli Sarkar, Darpan Dewan, Thoithoi Chingakham, Michael Steven Bankston
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Publication number: 20200294045Abstract: Methods and systems disclosed herein relate to managing an interaction between a sender and one or more receivers. The system may receive an assent request message specifying one or more receivers and/or resources. The system may transmit assent request notification(s) to the receiver(s), via temporary resource provider interfaces, messages, and/or social network interfaces. A subset of the receivers may commit to receiving a resource. The receivers may be validated via a trusted identity database. If a receiver has a valid interaction assertion in the database, then the system may generate an interaction credential for the receiver and a commitment object. The system may process data to facilitate the transfer of the resource. Upon the receiver receiving the resource, the interaction credential may be redeemed. The system may cease availability of the temporary resource provider interfaces after a predetermined time after the sender leaves an arbitrary location.Type: ApplicationFiled: March 12, 2019Publication date: September 17, 2020Inventors: Kelvan Howard, Michelle Winters, Michael Steven Bankston
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Publication number: 20200252408Abstract: A system and method are provided which include receiving, by a server computer from a trusted entity computer, user data corresponding to a user. Based on the user data, the server computer determines a set of assertions for the user. The server computer receives, from a relying entity, an assertion request for the user. Responsive to the assertion request, the server computer provides, to the relying entity, an assertion, of the set of assertions. The relying entity thereby grants the user a particular type of account based on the assertion.Type: ApplicationFiled: January 30, 2020Publication date: August 6, 2020Inventors: Michael Steven Bankston, Erik Christopher Friend
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Patent number: 10339554Abstract: A computing apparatus configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.Type: GrantFiled: March 16, 2016Date of Patent: July 2, 2019Assignee: Visa International Service AssociationInventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Derek A. Vroom, Michael Steven Bankston