Requiring Authorization Or Authentication Patents (Class 705/44)
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Patent number: 11586606Abstract: In one aspect, a fault intercepting computing device is provided. The fault intercepting computing devices receives a request message including an outdated key value from a client computing device, retrieves an updated key value from a key mapping database, generates a remapped request based on the request message by replacing the outdated key value with the updated key value in the request message, and transmits the remapped request to a host computing device. The fault intercepting computing device further receives an initial response from the host computing device including the updated key value, generates a surrogate response based on the initial response by replacing the updated key value with the outdated key value, appends a key remapped flag to the surrogate response, transmits the surrogate response, including the outdated key value to the client computing device.Type: GrantFiled: August 16, 2019Date of Patent: February 21, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Manoneet Kohli
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Patent number: 11588653Abstract: This specification describes techniques for blockchain-based smart contract call. One example method includes receiving a target transaction initiated by a client device of a blockchain, wherein the target transaction is preconfigured for a call rule used to initiate a call for a smart contract; obtaining the call rule preconfigured for the target transaction; executing the call rule to initiate a call for a target smart contract; and providing a call result to the client device when the call for the target smart contract is completed.Type: GrantFiled: May 7, 2021Date of Patent: February 21, 2023Assignee: Advanced New Technologies Co., Ltd.Inventors: Jiyuan Wang, Xuebing Yan
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Patent number: 11587071Abstract: A method for acceptance of blockchain payment at a traditional point of sale device direct to a merchant includes: receiving an authorization request for a fiat payment transaction including a transaction account number, transaction amount, and merchant identifier; identifying blockchain payment acceptance for a transaction account associated with the transaction account number; transmitting an address request to an exchange server including the merchant identifier; receiving a destination address associated with the merchant identifier for a blockchain network from the exchange server; transmitting a new blockchain transaction to a blockchain node in the blockchain network including the destination address and a cryptocurrency amount based on the transaction amount; and transmitting an authorization response for the fiat payment transaction to a payment network for routing to a point of sale device, the authorization response including an indication that clearance and settlement of the fiat payment transactiType: GrantFiled: June 24, 2020Date of Patent: February 21, 2023Assignee: MASTERCARD ASIA/PACIFIC PTE. LTD.Inventors: Srinath Ravinathan, Donghao Huang
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Patent number: 11587080Abstract: Techniques are disclosed relating to determining a risk score for domains associated with a transaction. In some embodiments, a transaction computer system receives transaction details for a transaction between a consumer and a merchant, where the transaction details are received from the merchant real-time with the transaction and include a set of transaction URLs for subsequent use in the transaction. The computer system may receive, from a browser of the consumer that is used to initiate the transaction, URL referrer information real-time with the transaction, where the URL referrer information indicates a referring web page to the transaction computer system. The computer system may determine, using the set of transaction URLs and the URL referrer information, a set of domains for the transaction and then determine a risk score for the set of domains. The computer system may determine, based on the risk score, whether to allow the transaction.Type: GrantFiled: December 30, 2021Date of Patent: February 21, 2023Assignee: PayPal, Inc.Inventors: Bradley Wardman, Jakub Burgis
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Patent number: 11587083Abstract: Concepts and technologies are disclosed herein for providing a transaction validation service. A device can receive a request to validate a transaction requested by a user device, where the transaction can be performed by an application and where the request to validate the transaction can be obtained with a first hash that is created by the user device. The first hash can include a hash of transaction data that is hashed using data stored on the user device. The device can receive an indication that the transaction has been approved, obtain a second hash of the transaction data that is hashed using the data stored on the user device, and determine, based on the first hash and the second hash, whether the transaction should be allowed or blocked.Type: GrantFiled: December 11, 2019Date of Patent: February 21, 2023Assignee: AT&T Intellectual Property I, L.P.Inventors: Luis Albisu, Katie Alvarez, Daniel Solero
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Patent number: 11587066Abstract: The present disclosure relates to user authentication using a contactless payment instrument. The contactless payment instrument includes a contactless chip and a gesture control module. The user makes one or more gestures at an access device during a card-present transaction scenario and the gestures are validated and the authentication status is determined by matching the gesture made by the user at the time of the transaction with one or more predefined gestures. If the authentication is successful, the payment instrument transmits the payment information required for conducting the transaction.Type: GrantFiled: August 26, 2021Date of Patent: February 21, 2023Assignee: Visa International Service AssociationInventors: Vinod Kumar Pinniboyina, Habeeb Shaik Khadar, Mohan Babu Nellore
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Patent number: 11587162Abstract: Systems and methods are provided for minting payment loan tokens to conduct digital loan transactions within a blockchain-based digital loan payment network. The payment loan tokens are pegged to fiat currency or digital currency. The computing system is a node in the blockchain-based digital loan payment network. A number of payment loan tokens to be provided to a borrower can be determined based on a digital loan transaction. The borrower is a network participant associated with the blockchain-based digital loan payment network. The number of payment loan tokens can be provided for deposit in a digital wallet associated with the borrower based on the digital loan transaction. Payees that receive payment loan tokens from the borrower can redeem the payment loan tokens as fiat or digital currency. A data record that represents the digital loan transaction can be generated. The data record is posted to a blockchain associated with the blockchain-based digital loan payment network.Type: GrantFiled: January 20, 2021Date of Patent: February 21, 2023Assignee: TraDove, Inc.Inventor: Jun Yan
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Patent number: 11580339Abstract: Embodiments detect fraud of risk targets that include both customer accounts and cashiers. Embodiments receive historical point of sale (“POS”) data and divide the POS data into store groupings. Embodiments create a first aggregation of the POS data corresponding to the customer accounts and a second aggregation of the POS data corresponding to the cashiers. Embodiments calculate first features corresponding to the customer accounts and second features corresponding to the cashiers. Embodiments filter the risk targets based on rules and separate the filtered risk targets into a plurality of data ranges. For each combination of store groupings and data ranges, embodiments train an unsupervised machine learning model. Embodiments then apply the unsupervised machine learning models after the training to generate first anomaly scores for each of the customer accounts and cashiers.Type: GrantFiled: November 13, 2019Date of Patent: February 14, 2023Assignee: ORACLE INTERNATIONAL CORPORATIONInventors: William M. Warrick, II, Su-Ming Wu, Stephen Clegg, Randall Fernandes
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Patent number: 11579919Abstract: An example operation may include one or more of receiving, by a risk score module, a blockchain transaction proposal, obtaining transaction proposal data, obtaining external data, computing a risk score from the transaction proposal data and the external data, comparing the risk score to a risk score threshold, providing an endorsement decision, based on the comparison, and one of endorsing or rejecting the transaction proposal.Type: GrantFiled: May 24, 2019Date of Patent: February 14, 2023Assignee: International Business Machines CorporationInventors: Salman Abdul Baset, Qi Zhang, Petr Novotny
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Patent number: 11574304Abstract: Systems, methods, and apparatus are provided for a dynamic contract payment term (“payterm”) generator. A machine learning algorithm may generate a replacement payment term for a contract based on market-based parameters and blockchain metadata for the contract. The blockchain metadata may encode hierarchical interdependencies between contracts using blockchain encryption. The blockchain metadata may be applied to auto-generate machine learning inputs for related contracts having interdependent payment terms. The machine learning inputs may include contract parameters that have been extracted and encrypted as blockchain metadata, as well as market-based parameters extracted from enterprise sources.Type: GrantFiled: May 10, 2021Date of Patent: February 7, 2023Assignee: Bank of America CorporationInventors: Sakshi Bakshi, Siva Kumar Paini, Amod Jha, Amit Kumar Sati
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Patent number: 11574305Abstract: In one arrangement, a non-transitory computer readable media having computer-executable instructions embodied therein that, when executed by at least one processor of a computing system, cause the computing system to process an electronic transaction using a schema. The schema includes a first unique entity object identifier identifying a sender, a second unique entity object identifier identifying a receiver, and a first transaction object identifier identifying the transaction. The first transaction object identifier is located at a top level of a hierarchy of a plurality of transaction object identifiers. The schema further includes transaction information comprising the first unique entity object identifier, the second unique entity object identifier, and the unique transaction object identifier.Type: GrantFiled: May 20, 2019Date of Patent: February 7, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Phillip H. Griffin, Jeffrey J. Stapleton
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Patent number: 11574313Abstract: In some implementations, a transaction card security system may detect a transaction card in an image, and may perform image processing to identify one or more character sequences or one or more designs that appear on the transaction card. The one or more character sequences or the one or more designs may identify an institution associated with the transaction card and/or a cardholder associated with the transaction card. The transaction card security system may identify the institution or the cardholder associated with the transaction card based on the one or more character sequences or the one or more designs, and may perform one or more actions relating to security of the transaction card based on detecting the transaction card in the image and identifying the institution or the cardholder associated with the transaction card.Type: GrantFiled: December 21, 2020Date of Patent: February 7, 2023Assignee: Capital One Services, LLCInventors: Reza Farivar, Michael Kubiske, Jeremy Goodsitt, Mark Watson
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Patent number: 11574365Abstract: Methods, apparatus, systems, computing devices, computing entities, and/or the like for generating a pre-approval token for a claim payment request based at least in part on draft claim data. The pre-approval token may be appended to a final, formalized claim relating to the draft claim during a formal claim submission process to retrieve and apply the results of the pre-approval review to facilitate formal claim resolution.Type: GrantFiled: June 17, 2019Date of Patent: February 7, 2023Assignee: Optum, Inc.Inventor: Kurt Indermaur
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Patent number: 11574520Abstract: The present disclosure provides a method of notifying a user of a friend's wager allowing the user to place the same wager or the opposite wager to bet with or against their friends. The method includes being able to add friends on a wagering app, determining the current wager market that the user is in, and using the friend data stored to determine if one or more of the user's friends are in the same wager market or participating in wagering on the same live event and then notifying the user if one or more of their friends places a wager through a notification on the wagering app.Type: GrantFiled: August 10, 2021Date of Patent: February 7, 2023Assignee: AdrenalineIPInventors: Casey Alexander Huke, John Cronin, Joseph W. Beyers, Michael D'Andrea
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Patent number: 11574312Abstract: Methods and systems pertaining secure transaction systems are disclosed. In one implementation, a merchant server payment information from a user computer. The merchant server can transmit a verification request to a gateway as well as receive a verification response from the gateway. The merchant server can transmit an authentication request and receive an authentication response. After receiving the authentication response, the merchant server can initiate an authorization process.Type: GrantFiled: June 29, 2018Date of Patent: February 7, 2023Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Ayman Hammad, Patrick Faith, Krishna Prasad Koganti, Ben Rewis, Brendan Xavier Louis, Kevin Weller, Benedicto Hernandez Dominguez
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Patent number: 11575517Abstract: A system for using hardware-secured receptacle devices includes a transfer processing device configured to store transfer method data associated with user on at least a cryptographically secured receptacle device, receive user authentication credentials from a user, authenticate user identity as a function of the user authentication credentials, retrieve a transfer authorization from the at least a cryptographically secured receptacle device as a function of the transfer method data, generate a transfer as a function of the transfer authorization.Type: GrantFiled: April 29, 2020Date of Patent: February 7, 2023Assignee: Ares Technologies, Inc.Inventor: Christian T Wentz
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Patent number: 11568417Abstract: A process includes receiving a check deposit and a withdrawal request associated with an account of a customer, the account associated with a first amount, the check deposit includes a second amount greater than the first amount, and the withdrawal request includes a third amount greater than the first amount. The process further includes forwarding, via an account verification system, an inquiry message regarding the check deposit to a paying computing system, the inquiry message including an identifier of the paying computing system, the inquiry message forwarded prior to settlement of the check deposit. The process further includes determining real time account status information of the account of the payor, and authorizing in real time relative to when the real time account status is accessed.Type: GrantFiled: October 18, 2021Date of Patent: January 31, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Al Hecht, Ann Kirk, Michael Miller, Karen Moore, Melanie Gipe
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Patent number: 11568405Abstract: Embodiments are directed to the generation of a token associated with a status. The status of the token may affect how the token is treated and the types of restrictions placed on the token. The status of the token may indicate that the token is generated based on verification of secure user data. Alternatively, the status of the token may indicate that the token is generated based on insufficient user data and, as such, restrictions may be imposed on the token. The token requestor may be a mobile application, such as a merchant mobile application provisioned on a user device. In response to a token request from the merchant, the token provider issues tokens with varying status based on a confidence level. The status of the token may be indicated in terms of token assurance level.Type: GrantFiled: May 4, 2021Date of Patent: January 31, 2023Assignee: Visa International Service AssociationInventors: Vishwanath Shastry, Shalini Mayor, Calvin Chen
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Patent number: 11570510Abstract: Example access control techniques described herein are intended to enable guest access for a media playback system while maintaining security of the media playback system. An example implementation involves a computing device receiving a request to control a media playback system comprising a playback device. After receiving the request, the computing device obtains access to the media playback system. Obtaining access may involve obtaining a first identifier associated with the media playback system, obtaining a second identifier using the first identifier over a wide area network (WAN) with a computing system, and obtaining a token using the second identifier over the WAN with the computing system. The example implementation further involves receiving a request for the media playback system to perform an operation and causing the media playback system to perform the operation using the token.Type: GrantFiled: November 16, 2021Date of Patent: January 31, 2023Assignee: Sonos, Inc.Inventors: Keith Thoresz, Nathan Fish
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Patent number: 11568390Abstract: Provided are a re-using e-commerce payment instruments for in-store purchasing systems and methods. A customer enters a check out and a transaction at the point of sale is started. The system receives a pairing request at a wallet processor from a customer mobile device operating a mobile application. This pairing request is created and sent in response to scanning of a code having a transaction identification. The system associates a customer payment profile with the transaction identification and sends associated information to the point of sale. The point of sale sends an amount of sale to authorize to the wallet processor after completing scanning of items. The system creates an authorization for payment and sending the authorization for payment to an authorizer. The transaction may then be completed by processing payment.Type: GrantFiled: October 12, 2015Date of Patent: January 31, 2023Assignee: Walmart Apollo, LLCInventors: Bradley Joseph Kieffer, Mark Matthews, Eytan Daniyalzade, David Martin Nelms, Prasanna Rajendran, Charles David Berry, Daniel Eckert
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Patent number: 11568402Abstract: An example operation may include one or more of identifying a blockchain transaction requiring commitment processing for commitment to a blockchain, determining the blockchain transaction is delayed, responsive to identifying the blockchain transaction is delayed, creating a transaction acceleration smart contract defining an incentive for performing the commitment processing of the blockchain transaction, and storing the transaction acceleration smart contract blockchain in a different blockchain.Type: GrantFiled: June 6, 2018Date of Patent: January 31, 2023Assignee: International Business Machines CorporationInventors: Pralhad Dinesh Deshpande, Muhammad Tayyab Asif
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Patent number: 11562353Abstract: A method for confirmation of an electronic transaction using a blockchain includes: receiving transaction data, the transaction data including a transaction amount and currency code; generating a transaction message formatted based on one or more standards including a first data element configured to store the transaction amount, a second data element configured to store the currency code, and a third data element configured to store an invoice identifier; transmitting the transaction message to a financial institution via a payment network; receiving a return message from the financial institution via the payment network formatted based on the one or more standards and including a data element configured to store the transaction amount, currency code, and invoice identifier; and generating a hash value based on application of hashing algorithms to the transaction amount, currency code, and invoice identifier stored in the data element included in the received return message.Type: GrantFiled: November 24, 2015Date of Patent: January 24, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Steven Charles Davis
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Patent number: 11556912Abstract: Methods for smartglasses-to-smartglasses payment systems is provided. Methods include receiving a transfer of funds initiation at a first smartglasses. The transfer of funds initiation may include an identifier, an amount and a personal identification number (“PIN”). Methods include transmitting the transfer of funds initiation from the first smartglasses to a second smartglasses. Methods may include receiving a notification on the second smartglasses. The notification may include a first smartglasses telephone number and the transfer of funds initiation. Methods may include transmitting a transfer of funds request from the second smartglasses to an entity. The transfer of funds request may include the first smartglasses telephone number, the transfer of funds initiation and the second smartglasses telephone number. Methods may include retrieving a first account and a second account from the entity. Methods may include transferring funds from the first account to the second account.Type: GrantFiled: January 28, 2021Date of Patent: January 17, 2023Assignee: Bank of America CorporationInventor: Saurabh Gupta
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Patent number: 11556914Abstract: According to various embodiment of the present invention, an electronic device comprises: an audio module including a speaker and a receiver; a codec circuit for transmitting and receiving an audio signal; a magnetic secure transmission (MST) circuit; a switch unit; a memory; and a processor electrically connected with the audio module, the codec circuit, the MST circuit, the switch unit, and the memory, wherein, if a function for requesting a payment is executed when the codec circuit and the audio module are connected with each other, the processor can be configured to: control the switch unit so as to connect the MST circuit with the speaker and/or the receiver, which are included in the audio module; and transmit the MST signal for the payment by using the speaker and/or the receiver, which are connected with the MST circuit. In addition to various embodiments disclosed in the present invention, other various embodiments are possible.Type: GrantFiled: March 5, 2019Date of Patent: January 17, 2023Assignee: Samsung Electronics Co., Ltd.Inventor: Kibum Kim
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Patent number: 11556928Abstract: A method for filtering blockchain value transfer transactions and updating filtering including receiving a transaction request comprising an indication that the transaction request is associated with an update to an existing transaction smart contract, defining an updated transaction smart contract, applying a filter smart contract to the transaction request, and recording to a log an indication that the updated transaction smart contract was made to the existing smart transaction contract, responsive to the applying the filter smart contract.Type: GrantFiled: January 13, 2022Date of Patent: January 17, 2023Inventor: Vijay Madisetti
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Patent number: 11556906Abstract: A blockchain configuration may be used to store a distributed ledger for information security and accessibility. One example method of operation may include one or more of logging an asset in a blockchain, identifying a sub-asset linked to the asset, creating a use constraint for the sub-asset, logging the use constraint associated with the sub-asset, and during an access attempt of the sub-asset, prohibiting access to the sub-asset based on the use constraint.Type: GrantFiled: July 8, 2019Date of Patent: January 17, 2023Assignee: International Business Machines CorporationInventors: Praveen Jayachandran, Palanivel A. Kodeswaran, Sayandeep Sen
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Patent number: 11556930Abstract: Disclosed is a system for enrolling a user for facilitation of transactions using biometric authentication. The enrolling system includes an application program that is configured to: receive a user attribute; create an anonymous client reference (ACR) associated with the user attribute; and receive a biometric template. The biometric template has been determined from an input of a biometric. The enrolling system is further configured to create an association between the biometric template and the ACR.Type: GrantFiled: November 10, 2017Date of Patent: January 17, 2023Inventor: Chris Hurst
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Patent number: 11551235Abstract: Methods and systems that manage building code compliance are provided. A smart or interconnected home may be populated with multiple smart or other devices that are in wired or wireless communication with a central controller. The smart devices may be covered by an insurance policy, such as a homeowners, renters, or personal articles insurance policy. The controller may receive building code compliance information associated with the smart devices, and may update an inventory list to include the building code compliance information. The controller may detect that one or more devices do not comply with building code requirements. The controller may transmit a notification to a customer about possible corrective actions to remedy non-compliant conditions and to facilitate building code compliance. The smart devices may be associated with appliances, electronics, wiring, pipes, ducts, or other equipment or personal belongings.Type: GrantFiled: November 5, 2019Date of Patent: January 10, 2023Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Jackie O. Jordan, II, John Donovan, David Turrentine, Torri Wollenschlager, Bryan R. Nussbaum, Deanna Stockweather, Jeffrey W. Stoiber, Kerstin Markwardt, Gail L. Carlson, Kyle C. Schiebel, Troy Winslow, Joseph P. Harr, EllaKate Wagner, Michael Harris, Jr., Jennylind Sun
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Patent number: 11551291Abstract: A computer-implemented method includes managing bank accounts respectively associated with a plurality of account holders for a bank, including processing transactions for the bank accounts where a transaction includes at least credit card transactions and checking transactions and where the first user has full access to a first bank account. The method includes providing a second user restricted access to the first bank account, establishing a connection with the second user via the Internet, providing the second user, according to the restricted access, a user interface to display at least a portion of a plurality of budget categories and at least a portion of transactions associated with the first bank account, receiving an input from the second user to flag a transaction, and responsive to the input, updating the user interface to reflect the flag and notifying the first user of the flag.Type: GrantFiled: August 28, 2019Date of Patent: January 10, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Gilberto Lopez, Leslie Rae Witt
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Patent number: 11551190Abstract: Point of sale (POS) devices, systems, and methods disclosed herein enable payments by merchants to non-customers, such as to employees of the merchant. A point of sale system of the merchant determines an amount of a payment to be made by the merchant to the employee. The point of sale system transmits payment instructions for executing the payment to a payment system provider computing system. The funds are made available in a bank account of the employee instantly or near instantly.Type: GrantFiled: June 3, 2019Date of Patent: January 10, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Theresa Ann Clements, Daniel David, Shane D. Eaton, Albert Hwu, Derek D. Mohr, James C. Noe, Jacob T. Orth, Michelle E. Ziolkowski
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Patent number: 11544706Abstract: Systems, methods, and software are disclosed for provisioning tokens in a networked computing environment including merchants participating in payment networks. The method includes receiving, by a merchant processor, card account data of a purchase card from a cardholder. The method includes determining, by the merchant processor, that the card account data includes a multi-token enabled BIN. The method includes, in response to determining that the card account data includes the multi-token enabled BIN, receiving and storing, by the merchant processor and in a memory of the merchant, respectively, a primary token associated with a front-of-card brand of the purchase card. The method includes, in response to receiving the primary token, transmitting, by the merchant processor, a request for a secondary token. The method includes receiving and storing, by the merchant processor and in the merchant memory, respectively, the secondary token simultaneously with storing the primary token.Type: GrantFiled: April 26, 2019Date of Patent: January 3, 2023Assignee: Discover Financial ServicesInventors: Bryan L. Manka, George Danforth
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Patent number: 11544711Abstract: A usage frequency attribute is determined for each biometric feature in a biometric feature database. The usage frequency attribute indicates a matching success frequency of matching the biometric feature to a user having the biometric feature. The biometric features of the user are sorted in descending order of the usage frequency attribute. The sorting is based on a descending order of the usage frequency attributes for a given user. The biometric features in the biometric feature database are stored in descending order. The storing includes providing prioritized access to the biometric feature having a highest value of the usage frequency attribute so that the biometric feature is selected first in response to a request for the biometric feature of the user.Type: GrantFiled: December 18, 2019Date of Patent: January 3, 2023Assignee: Advanced New Technologies Co., Ltd.Inventors: Fen Zhai, Chunlei Gu, Lei Lu, Yanghui Liu
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Patent number: 11544709Abstract: A computer-implemented method for processing single message transactions with batch settlement may include receiving a dual-message transaction from a merchant, converting the received dual-message transaction to a single-message transaction, setting a flag on the converted single-message transaction indicating the conversion to a single-message transaction, receiving a batch settlement file from the merchant, for each transaction in the batch settlement file, determining whether the single-message transaction conversion flag is set, upon determining that the single-message transaction conversion flag is not set, storing the transaction for later processing, and upon determining that the single-message transaction conversion flag is set, sending the transaction to a payment network.Type: GrantFiled: August 17, 2020Date of Patent: January 3, 2023Assignee: Worldpay, LLCInventors: Ramesh Vijayaraghavan, Samuel Adams
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Patent number: 11544716Abstract: The present disclosure provides systems and methods for computerized methods and systems for processing transaction disputes and processing transactions associated with compromised accounts. According to one exemplary method, a server receives, from a user device, an instruction for disputing a transaction associated with a user account. The server can initiate, based on a record of the transaction, a dispute investigation, and issue provisional credit to the user account for the transaction. Based on a transaction history associated with the user account, the server can determine a plurality of expected transactions associated with the user account and cause the determined expected transactions to be displayed on the user device. After receiving a transaction authorization for at least one of the plurality of expected transactions, the server can process payments for the at least one of the plurality of expected transactions, and generate a notification indicating a status of the dispute investigation.Type: GrantFiled: June 11, 2020Date of Patent: January 3, 2023Assignee: Fidelity Information Services, LLCInventors: Luis Martinez-Guarneros, Marc-Edwin Sebastian Rigaud, Brian R. Bezanson, William A. Rickard, Timothy Bryan Innes, Tim Allen Priebe, Eric Vincent Little
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Patent number: 11544713Abstract: Systems and methods ingest extensive data regarding real-time transactions to determine correlation between a variety of parameters and possible fraud events. Possible fraud can be predicted, and notifications delivered to a fraud team. Correlations can be discovered using unsupervised machine learning, and particular systems and methods can utilize natural language processing to both receive and provide information concerning fraud risk and countermeasures.Type: GrantFiled: September 30, 2020Date of Patent: January 3, 2023Assignee: United Services Automobile Association (USAA)Inventors: Gregory D. Hansen, Andre R. Buentello, Ashley R. Philbrick, Jose L. Romero, Jr., Reynaldo Medina, III, Curtis M. Bell, Yevgeniy Khmelev, Stacy C. Huggar, Ruthie Lyle, Victor Kwak, Jon D. McEachron
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Patent number: 11539533Abstract: A system for access control includes an interface to receive an access request from a first user application for permission to access a first digital identity wallet application and a processor to: determine whether to grant access for the first user application to the first digital identity wallet application, wherein access is granted for the first user application to the first digital identity wallet application in response to the first user application belonging to a first circle of trust and the first digital identity wallet application belonging to the first circle of trust; and in response to determining to grant access for the first user application to the first digital identity wallet application, provide an access granting indication.Type: GrantFiled: July 1, 2020Date of Patent: December 27, 2022Assignee: Workday, Inc.Inventors: Bjorn Hamel, Prakash Sundaresan, Krishnan Rajiyah, Marius Maaland, Kamalanathan Thandapani, Lionello G. Lunesu, Aneesh Sandeep Verenkar, Amit Jasuja, Keith Kowal
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Patent number: 11533594Abstract: Methods, devices, and systems for third party edge cloud service providers (CSPs) to provide edge computing services to network service providers. The edge computing service is initialized in a network. Network information services of the network are discovered. A location of a cloud resource in the network may be dynamically changed. User plane traffic is steered toward the location of the cloud resource. In some embodiments, initializing the edge computing service includes transmitting an identity of a valid user and a data network name to a network function virtualization management and organization system, or transmitting a user subscription list to a network exposure function. In some embodiments, dynamically changing the location of a cloud resource and steering user plane traffic toward the location of the cloud resource includes determining a number of users of an edge application at a location, and a network requirement of the edge application.Type: GrantFiled: December 17, 2018Date of Patent: December 20, 2022Assignee: SONY CORPORATIONInventors: Debashish Purkayastha, Michelle Perras, Robert G. Gazda
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Patent number: 11526878Abstract: Systems, methods, and computer-readable media are provided for processing and settling financial transactions. An example method comprises receiving a transaction from an originator. The transaction comprises information associated with an identification of an initiating user or the account. The method comprises determining the actual account number, transmitting a financial services transaction request comprising the actual account number to a financial institution, receiving a response, and transmitting a response back to the originator. Another method comprises receiving, from a user device, a request to associate a financial account with a user account. The method comprises generating and sending an association message to a payment network and receiving a key associated with the financial account for use in initiating financial transactions. Another method comprises utilizing such a key to generate and process a transaction request. Other systems, methods, and media are also provided.Type: GrantFiled: November 26, 2019Date of Patent: December 13, 2022Assignee: PayNet Payments Network, LLCInventors: Peter Gordon, Neil Marcous, Robert Woodbury
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Patent number: 11526891Abstract: A sleep pattern analyzer (SPA) system for capturing and analyzing sleep data and sleep pattern data is provided. The SPA system is configured to receive sleep data associated with a user, the sleep data including a registered user identifier and at least one sleep time stamp, and store the sleep data in a sleep pattern database. The SPA system is also configured to receive transaction data for a transaction initiated by a consumer with a merchant. The SPA system is further configured to match the consumer identifier to the registered user identifier, generate a fraud notification message when the transaction time stamp overlaps with the at least one sleep time stamp, and transmit the fraud notification message to at least one of an issuer, the merchant, and the consumer associated with the consumer identifier.Type: GrantFiled: September 20, 2021Date of Patent: December 13, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Rick Unnerstall
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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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Patent number: 11522873Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for detecting network attacks. One of the methods includes obtaining input data associated with a plurality of accounts associated with a particular entity; extracting features from the input data; performing unsupervised attack ring detection using the extracted features, wherein the unsupervised attack ring detection identifies suspicious clusters of accounts that have strong similarity or correlations in the high dimensional feature space; and generating an output for the detected attack rings.Type: GrantFiled: December 31, 2018Date of Patent: December 6, 2022Assignee: DataVisor, Inc.Inventors: Kuanyu Chu, Hongyu Cui, Arthur Meng, Zhong Wu, Yunfeng Xi, Yinglian Xie, Ting-Fang Yen, Fang Yu
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Patent number: 11521428Abstract: A method and system of signature verification that includes receiving a signature-in-question, extracting at least one of an image of the signature-in-question and a trajectory of the signature-in-question from the received signature-in-question, accessing a reference signature, extracting at least one of a reference image and a reference trajectory from the accessed reference signature, comparing the at least one of the image of the signature-in-question and trajectory of the signature-in-question to the at least one of the reference image and reference trajectory, and determining whether signature-in-question is authentic based on the comparison.Type: GrantFiled: April 19, 2022Date of Patent: December 6, 2022Assignee: Parascript LLCInventors: Alexander Filatov, Ivan Bulatov, Ilia Semenovich Lossev, Tatiana Vazioulina
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Patent number: 11514434Abstract: Techniques for providing a localized blockchain that uses a mesh network to facilitate transactions for a localized event are provided. An electronic device can receive data from a localized mesh network to establish the device as a node on the localized mesh network. The established node can generate a cryptocurrency wallet that can be loaded with an initial amount of localized cryptocurrency tokens from a total amount of localized cryptocurrency tokens. The total amount of localized cryptocurrency tokens can be previously mined by a central authority of the localized mesh network. The established node can conduct transactions within the localized mesh network utilizing the localized cryptocurrency tokens. The established node can receive a portion of a cryptocurrency token for transmitting transactional data to a next nearest node on the localized mesh network to help facilitate a transaction involving other nodes on the network.Type: GrantFiled: November 6, 2018Date of Patent: November 29, 2022Assignee: Capital One Services, LLCInventors: Austin Grant Walters, Jeremy Edward Goodsitt, Fardin Abdi Taghi Abad, Reza Farivar
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Patent number: 11514413Abstract: A remittance processing method includes recognizing an amount of money in a message being input into a chatroom of a messenger run on an electronic device, calling a remittance function to the chatroom in response to the amount of money being recognized in the message, and processing a remittance transaction to another user in the chatroom as a remittance target with respect to the amount of money, in response to a remittance request from a user of the electronic device.Type: GrantFiled: April 1, 2019Date of Patent: November 29, 2022Assignee: LINE PAY CORPORATIONInventor: Sun-Haeng Cho
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Patent number: 11514154Abstract: A robotic process automation (RPA) system provides bots that interact with and provide user credentials to applications that require multi-factor authentication (MFA). First user credentials associated with MFA are retrieved by the bots from credential storage. Second user credentials that correspond to questions posed to a user of an application are retrieved from credential storage. Second user credentials that correspond to a one-time password are generated by the RPA system. The second user credentials may also be generated by a third-party authentication service that provides the credentials via a secondary channel such as email or SMS, which are then retrieved for presentation to the application.Type: GrantFiled: January 31, 2020Date of Patent: November 29, 2022Assignee: Automation Anywhere, Inc.Inventors: Anoop Tripathi, Kazuya Tanikawa, Abhijit Kakhandiki
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Patent number: 11514920Abstract: There are disclosed methods and systems for determining a speaker of a set of registered users associated with a voice-controllable device. The method is executable by an electronic device configured to execute a Machine Learning Algorithm (MLA). The method comprises executing the MLA to determine a first probability parameter indicative of the speaker of the user utterance being one of the set of registered users; executing a user frequency analysis to generate, for each given one of the set of registered users, a second probability parameter the being an apriori frequency based probability; generating, for the electronic device, for each given one of the set of registered users an amalgamated probability based on the first probability and the second probability associated therewith; selecting the given one of the set of registered users as the speaker of the user utterance based on the amalgamated probability value.Type: GrantFiled: May 17, 2021Date of Patent: November 29, 2022Assignee: YANDEX EUROPE AGInventor: Ivan Aleksandrovich Karpukhin
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Patent number: 11514437Abstract: A method for encapsulating transaction instrument information in a transaction includes storing, in association with a first transaction and by a processor of the primary transaction processor server, transaction data associated with a transaction instrument for a first transaction. The primary transaction processor server transmits the transaction data to a payment network processor, and receives an authorization package in response that includes a cryptograph and a first network token. The primary transaction processor server generates a second token that includes a changeable alpha-numeric string associated with the transaction instrument used in the first transaction, and transmits the second token to a merchant device. The second token indicates that a transaction associated with the second token is either i) a customer-initiated transaction or ii) a merchant-initiated transaction. The secondary transaction processor may approve or reject a transaction using the second token without a cryptogram.Type: GrantFiled: September 27, 2018Date of Patent: November 29, 2022Assignee: Block, Inc.Inventors: Dennis Jarosch, Gillian May Lian Wee, Paul Abraham Botros, Michael Ward, Anusha Ramanujam, Julian Hua
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Patent number: 11514435Abstract: An encrypted payment message is received from a buyer relating to a transaction with a merchant. The payment message is parsed using a first parsing algorithm to obtain merchant identifying information. The merchant identifying information is associated with at least a second parsing algorithm or at least one settlement algorithm. The payment message is parsed using the second parsing algorithm to obtain payment information for the transaction. A first settlement algorithm is applied to the payment information to determine an adjusted interchange rate. The payment information including the adjusted interchange rate is submitted to a third party settlement processor on behalf of the merchant, using a payment algorithm. A second settlement algorithm applied to the payment information determines a buyer rebate which can be submitted to the settlement processor. A transaction result is reported to at least one of the merchant or the buyer.Type: GrantFiled: December 23, 2019Date of Patent: November 29, 2022Assignee: Boost Payment Solutions, Inc.Inventors: Dean Michael Leavitt, James Edward Lister
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Patent number: 11509481Abstract: A method includes providing an initial communication, by an access device to a user device. The access device can receive the user identifier and the access token and receive a secret associated with the user. The access device can determine, using the user identifier and/or the access token, if the transaction is authorized by an authorizing entity computer associated with the access device or by an authorizing entity not associated with the access device. If the transaction is authorized by the authorizing entity computer associated with the access device, the access device can transmit an authorization request message comprising the user identifier, the secret, and the access token to the authorizing entity computer. The authorizing entity computer validates the secret, retrieves a real credential of the user using the user identifier, and authorizes the transaction.Type: GrantFiled: July 1, 2020Date of Patent: November 22, 2022Assignee: Visa International Service AssociationInventor: Barbara Patterson
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Patent number: 11509736Abstract: The system described herein can automatically match, link, or otherwise associate electronic activities with one or more record objects. For an electronic activity that is eligible or qualifies to be matched with one or more record objects, the system can identify one or more set of rules or rule sets. Using the rule sets, the system can identify candidate record objects. The system can then rank the identified candidate record objects to select one or more record objects with which to associate the electronic activity. The system can then store an association between the electronic activity and the selected one or more record objects.Type: GrantFiled: December 21, 2020Date of Patent: November 22, 2022Assignee: People.ai, Inc.Inventors: Oleg Rogynskyy, Rajit Kurien Joseph, Jose Alberto Muniz Navarro, Yurii Brunets