Patents by Inventor William Joseph Leddy, III
William Joseph Leddy, III 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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Publication number: 20230394485Abstract: Provided is a method including receiving, by a user device, a request from an identity service to approve communicating a user proof-of-identity to a relying party. A user of the user device is prompted to request a one-time transaction identifier based on the request. Based on a first input from the user, the user device requests the one one-time transaction identifier from the identity service. In response to the request for the one-time transaction identifier, the user device receives the one-time transaction identifier from the identity server and displays the one-time transaction identifier on a first user device screen. The user inputs the one-time transaction identifier on a second user device screen and the user device communicates the one-time transaction identifier to the identity service. In response to receiving the at least one inputted one-time transaction identifier, the relying party determines whether to approve or deny a transaction.Type: ApplicationFiled: August 22, 2023Publication date: December 7, 2023Inventor: William Joseph Leddy, III
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Publication number: 20230353562Abstract: Provided is a method for providing trusted identification of an enrolling user. The method may include communicating a unique identifier to a sponsor device of a sponsoring user. Image data associated with an image of an enrolling user may be received from the sponsor device, and the image data may include the unique identifier. The first image data may be recorded in a ledger. An edge may be generated in a tree based on the first image data and the first unique identifier, and the edge may connect a first node associated with the sponsoring user to a second node associated with the enrolling user. A trust score for the second node may be determined based on a respective trust score of each node (including the first node) connected to the second node by a respective edge. A system and computer program product are also disclosed.Type: ApplicationFiled: May 14, 2021Publication date: November 2, 2023Inventor: William Joseph Leddy, III
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Publication number: 20230334491Abstract: Disclosed are systems and methods for authenticating devices.Type: ApplicationFiled: November 24, 2020Publication date: October 19, 2023Inventor: William Joseph Leddy, III
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Patent number: 11775995Abstract: Provided is a computer-implemented method, system, and product for providing real-time offers based on geolocation and merchant category. The method includes receiving data associated with a plurality of transactions conducted by a plurality of merchants, the plurality of merchants including a first merchant associated with at least one first merchant category, determining an area of interest based on an estimated travel time to the first merchant from the plurality of merchants, determining a subset of merchants of the plurality of merchants within the area of interest associated with the at least one first merchant category, determining real-time market activity data associated with the first merchant and each merchant of the subset of merchants, and identifying a trend of increasing and/or decreasing transactions for the first merchant and each merchant of the subset of merchants.Type: GrantFiled: September 16, 2022Date of Patent: October 3, 2023Assignee: Visa International Service AssociationInventors: William Joseph Leddy, III, Hongqin Song
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Patent number: 11769155Abstract: Provided is a method including receiving, by a user device, a request from an identity service to approve communicating a user proof-of-identity to a relying party. A user of the user device is prompted to request a one-time transaction identifier based on the request. Based on a first input from the user, the user device requests the one one-time transaction identifier from the identity service. In response to the request for the one-time transaction identifier, the user device receives the one-time transaction identifier from the identity server and displays the one-time transaction identifier on a first user device screen. The user inputs the one-time transaction identifier on a second user device screen and the user device communicates the one-time transaction identifier to the identity service. In response to receiving the at least one inputted one-time transaction identifier, the relying party determines whether to approve or deny a transaction.Type: GrantFiled: November 8, 2022Date of Patent: September 26, 2023Assignee: Visa International Service AssociationInventor: William Joseph Leddy, III
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Publication number: 20230053383Abstract: Provided is a method including receiving, by a user device, a request from an identity service to approve communicating a user proof-of-identity to a relying party. A user of the user device is prompted to request a one-time transaction identifier based on the request. Based on a first input from the user, the user device requests the one one-time transaction identifier from the identity service. In response to the request for the one-time transaction identifier, the user device receives the one-time transaction identifier from the identity server and displays the one-time transaction identifier on a first user device screen. The user inputs the one-time transaction identifier on a second user device screen and the user device communicates the one-time transaction identifier to the identity service. In response to receiving the at least one inputted one-time transaction identifier, the relying party determines whether to approve or deny a transaction.Type: ApplicationFiled: November 8, 2022Publication date: February 23, 2023Inventor: William Joseph Leddy, III
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Publication number: 20230012883Abstract: Provided is a computer-implemented method, system, and product for providing real-time offers based on geolocation and merchant category. The method includes receiving data associated with a plurality of transactions conducted by a plurality of merchants, the plurality of merchants including a first merchant associated with at least one first merchant category, determining an area of interest based on an estimated travel time to the first merchant from the plurality of merchants, determining a subset of merchants of the plurality of merchants within the area of interest associated with the at least one first merchant category, determining real-time market activity data associated with the first merchant and each merchant of the subset of merchants, and identifying a trend of increasing and/or decreasing transactions for the first merchant and each merchant of the subset of merchants.Type: ApplicationFiled: September 16, 2022Publication date: January 19, 2023Inventors: William Joseph Leddy, III, Hongqin Song
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Patent number: 11526888Abstract: A method and system capable of generating a relying party risk-adjusted indicator associated with and used by users and parties entering into one or more transactions with a relying party.Type: GrantFiled: November 4, 2019Date of Patent: December 13, 2022Assignee: Visa International Service AssociationInventor: William Joseph Leddy, III
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Publication number: 20220391876Abstract: A payment system apparatus configured to install with a merchant's non-payment equipment, comprising one or more payment tokens, a transceiver system and a housing, within which the transceiver system is installed, configured to install physically, electrically, wirelessly, or any combination thereof, with the merchant's non-payment equipment.Type: ApplicationFiled: November 6, 2019Publication date: December 8, 2022Inventor: William Joseph Leddy, III
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Patent number: 11481793Abstract: Provided is a computer-implemented method for providing real-time offers based on geolocation and merchant category. Transaction data for transaction from a plurality of merchants is received. A subset of merchants is determined based on the physical location of the merchants and the merchant category of the merchants. Real-time market activity data is determined for each of the merchants in the subset of merchants. A real-time offer is initiated based on comparing the market activity data of at least one merchant compared to the market activity data of a first merchant.Type: GrantFiled: February 26, 2020Date of Patent: October 25, 2022Assignee: Visa International Service AssociationInventors: William Joseph Leddy, III, Hongqin Song
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Publication number: 20220182382Abstract: Disclosed are non-limiting methods for authenticating devices, including receiving a request for a device authentication identifier, transmitting a device authentication request message via a frame embedded in a webpage of a merchant website, the device authentication request message including challenge data associated with a challenge, receiving a device authentication response message via the frame embedded in the webpage of the merchant website based on the device authentication request message, the device authentication response message including challenge response data associated with a challenge response, transmitting the device authentication identifier message based on the device authentication response message, receiving a transaction request message for a transaction, including the device authentication identifier and transaction data associated with the transaction, determining the device score based on the device authentication identifier, and generating an authorization request message based on tType: ApplicationFiled: February 25, 2022Publication date: June 9, 2022Inventor: William Joseph Leddy, III
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Publication number: 20220129929Abstract: A method, system, and computer program product for predicting future transactions may obtain merchant data associated with a merchant; determine a geographic location associated with the merchant based on the merchant data; determine one or more other merchants within a first threshold distance of the geographic location; obtain transaction data associated with the one or more other merchants and the merchant; and predict, based on the transaction data, at least one of a future number of transactions for the merchant in a future time period and a future transaction amount for the merchant in the future time period.Type: ApplicationFiled: January 5, 2022Publication date: April 28, 2022Inventors: Hongqin Song, William Joseph Leddy, III, Yu Gu, Gary Denitus Dougan
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Patent number: 11290452Abstract: Disclosed are non-limiting methods for authenticating devices, comprising receiving a request for a device authentication identifier, transmitting a device authentication request message via a frame embedded in a webpage of a merchant website, the device authentication request message comprising challenge data associated with a challenge, receiving a device authentication response message via the frame embedded in the webpage of the merchant website based on the device authentication request message, the device authentication response message comprising challenge response data associated with a challenge response, transmitting the device authentication identifier message based on the device authentication response message, receiving a transaction request message for a transaction, comprising the device authentication identifier and transaction data associated with the transaction, determining the device score based on the device authentication identifier, and generating, an authorization request message basedType: GrantFiled: August 23, 2019Date of Patent: March 29, 2022Assignee: Visa International Service AssociationInventor: William Joseph Leddy, III
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Patent number: 11244333Abstract: A method, system, and computer program product for predicting future transactions may obtain merchant data associated with a merchant; determine a geographic location associated with the merchant based on the merchant data; determine one or more other merchants within a first threshold distance of the geographic location; obtain transaction data associated with the one or more other merchants and the merchant; and predict, based on the transaction data, at least one of a future number of transactions for the merchant in a future time period and a future transaction amount for the merchant in the future time period.Type: GrantFiled: August 22, 2019Date of Patent: February 8, 2022Assignee: Visa International Service AssociationInventors: Hongqin Song, William Joseph Leddy, III, Yu Gu, Gary Denitus Dougan
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System, Method, and Computer Program Product for Patient Authentication and Identity Risk Assessment
Publication number: 20210304316Abstract: Provided are a system, method, and computer program product for patient authentication and identity risk assessment. The method includes receiving an initial patient authorization request from a medical provider computing device. The initial patient authorization request includes a patient identifier communicated by a mobile device of a user to the medical provider computing device. The method also includes generating, using an identification risk assessment model and based at least partly on the initial patient authorization request, an authenticity score. The method further includes communicating the authenticity score to an insurance provider system to cause the insurance provider system to approve or decline the initial patient authorization request. The method further includes receiving a primary insurance provider response from the insurance provider system and communicating at least a portion of the primary insurance provider response to the medical provider computing device.Type: ApplicationFiled: March 10, 2021Publication date: September 30, 2021Inventors: William Joseph Leddy, III, Shengfei Gu, Minghua Xu -
Publication number: 20210264453Abstract: Provided is a computer-implemented method for providing real-time offers based on geolocation and merchant category. Transaction data for transaction from a plurality of merchants is received. A subset of merchants is determined based on the physical location of the merchants and the merchant category of the merchants. Real-time market activity data is determined for each of the merchants in the subset of merchants. A real-time offer is initiated based on comparing the market activity data of at least one merchant compared to the market activity data of a first merchant.Type: ApplicationFiled: February 26, 2020Publication date: August 26, 2021Inventors: William Joseph Leddy, III, Hongqin Song
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Publication number: 20210133750Abstract: A method and system capable of generating a relying party risk-adjusted indicator associated with and used by users and parties entering into one or more transactions with a relying party.Type: ApplicationFiled: November 4, 2019Publication date: May 6, 2021Inventor: William Joseph Leddy, III
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Publication number: 20210056574Abstract: A method, system, and computer program product for predicting future transactions may obtain merchant data associated with a merchant; determine a geographic location associated with the merchant based on the merchant data; determine one or more other merchants within a first threshold distance of the geographic location; obtain transaction data associated with the one or more other merchants and the merchant; and predict, based on the transaction data, at least one of a future number of transactions for the merchant in a future time period and a future transaction amount for the merchant in the future time period.Type: ApplicationFiled: August 22, 2019Publication date: February 25, 2021Inventors: Hongqin Song, William Joseph Leddy, III, Yu Gu, Gary Denitus Dougan
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Publication number: 20210058392Abstract: Disclosed are non-limiting methods for authenticating devices, comprising receiving a request for a device authentication identifier, transmitting a device authentication request message via a frame embedded in a webpage of a merchant website, the device authentication request message comprising challenge data associated with a challenge, receiving a device authentication response message via the frame embedded in the webpage of the merchant website based on the device authentication request message, the device authentication response message comprising challenge response data associated with a challenge response, transmitting the device authentication identifier message based on the device authentication response message, receiving a transaction request message for a transaction, comprising the device authentication identifier and transaction data associated with the transaction, determining the device score based on the device authentication identifier, and generating, an authorization request message basedType: ApplicationFiled: August 23, 2019Publication date: February 25, 2021Inventor: William Joseph Leddy, III