Requiring Authorization Or Authentication Patents (Class 705/44)
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Patent number: 11456885Abstract: Data set valuation techniques are provided. For example, a request is obtained from a client to utilize one or more cloud computing services managed by at least one service provider. A valuation is determined for delivering the one or more requested cloud computing services to the client. The valuation determination includes determining a valuation of one or more data sets associated with the one or more cloud computing services.Type: GrantFiled: December 17, 2015Date of Patent: September 27, 2022Assignee: EMC IP Holding Company LLCInventors: Stephen Todd, David Dietrich
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Patent number: 11455638Abstract: This application relates to apparatus and methods for identifying fraudulent transactions. In some examples, a computing device generates a decision matrix to identify fraudulent transactions. To generate the decision matrix, the computing device may determine scores for a plurality of transactions, and may determine transaction categories for each transaction based on the scores. The computing device may also determine a number of predictable features based on applying machine learning techniques to the transactions. A risk category is then determined for the number of predictable features. The computing device generates the decision matrix based on the transaction categories and the risk categories. In some examples, the computing device applies the generated decision matrix to an ongoing purchase transaction to determine if the ongoing purchase transaction is fraudulent.Type: GrantFiled: September 4, 2019Date of Patent: September 27, 2022Assignee: Walmart Apollo, LLCInventors: Linhong Kang, Kazuo Matsumoto, Premalatha Thangamani, Jing Xia, Saurabh Vivek Gagpalliwar
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Patent number: 11455614Abstract: Systems, methods, and computer program products for providing cloud-based application security are disclosed. For example, a server part of a cloud-based application may determine a plurality of security challenges for authorizing a request based on a plurality of security settings of a user account and one or more attributes of the request, issue a first-level authorization challenge and a second-level authorization challenge based on the determining, identify a plurality of available resources from the user account for the request, and responsive to successful completion of the first-level authorization challenge and the second-level authorization challenge, automatically apply two or more of the available resources from the user account to fulfill the request based on the one or more attributes of the request and a physical location associated with the request.Type: GrantFiled: June 11, 2019Date of Patent: September 27, 2022Assignee: PayPal, Inc.Inventors: Sebastien Taveau, Nadav Naaman
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Patent number: 11449868Abstract: A system is provided for voice activated remittances. The system may perform operations that include receiving at least one audio stream corresponding to a real-time voice communication between a first user and a second user and identifying, based on the at least one audio stream, a set of words. The operation may also include determining that the set of words indicates a desired payment transaction between the first user and the second user and determining a payment amount to be remitted from the first user to the second user. Further the operations may include causing the payment amount to be remitted from a first financial account corresponding to the first user to a second financial account corresponding to the second user.Type: GrantFiled: October 3, 2016Date of Patent: September 20, 2022Assignee: PAYPAL, INC.Inventors: Todd Studnicka, Adhish Vyas
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Patent number: 11449871Abstract: A trusted transaction signal is passed from a merchant to an account provider. A merchant receives a payment account association with a transaction between a customer and the merchant, and determines a level of risk for the transaction. If the customer is unknown to the merchant, the trust level is determined to be a default trust level. If the customer is known to the merchant, then a risk assessment determines whether the trust level is the default trust level, or a second, greater, trust level. A transaction notification is sent to the account provider. When the trust level is the default level, the notification includes a merchant ID that identifies the merchant and signifies the default trust level for the transaction. When the trust level is the greater level, the notification includes a different merchant ID that also identifies the merchant, but represents the second trust level for the transaction.Type: GrantFiled: January 15, 2021Date of Patent: September 20, 2022Assignee: MICROSOFT TECHNOLOGY LICENSING, LLCInventors: Samuel B. Anson, Stuart H. Dwyer, Shoou-Jiun Wang
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Patent number: 11449857Abstract: The present disclosure provides a code scanning method, a code scanning device and a mobile terminal. When the mobile terminal is in a power-on state, a camera of the mobile terminal is normally on. The method includes: capturing an image with the camera, and identifying a captured target image; when identifying that the target image has an image feature of a preset graphic identification code, acquiring a target graphic identification code in the target image; decoding the target graphic identification code to obtain an access link corresponding to the target graphic identification code; and running a target application corresponding to the access link, and displaying an access interface corresponding to the access link.Type: GrantFiled: November 21, 2018Date of Patent: September 20, 2022Assignee: VIVO MOBILE COMMUNICATION CO., LTD.Inventor: Xu Han
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Patent number: 11449848Abstract: An offline transaction implementation method includes: determining, by a payment server in response to a request of a user for registering with a credit transaction service of a merchant, whether credit information of a user account meets a condition, provisioning the credit transaction service of the merchant for the user account when determining that the credit information of the user account meets the condition, and sending account information of the user to a merchant transaction management system; guiding, by the merchant transaction management system after receiving the account information, the user to input a biometric characteristic, and after collecting the biometric characteristic input by the user, storing a binding relationship between the biometric characteristic and the account information into a registered user library of the merchant, prompting the user that the registration succeeds, and controlling a gate of the merchant's store to open for allowing entry of the user.Type: GrantFiled: December 20, 2019Date of Patent: September 20, 2022Assignee: Advanced New Technologies Co., Ltd.Inventors: Wenwen Yu, Howing Lee, Xi Wang
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Patent number: 11449866Abstract: A method of establishing a digital identity for use of an online service and of subsequently using the digital identity to perform the online service is described. A digital identity for the online service is bound to computer hardware associated with the digital identity. A user associated with the digital identity provides a user authentication at the computer hardware associated with the digital identity. The digital identity is enrolled for the online service, and a first instance of the online service for the digital identity is performed. A common user authentication process result completes enrolment of the digital identity and authenticates the digital identity for performing said first instance of the online service.Type: GrantFiled: November 11, 2019Date of Patent: September 20, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Cristian Radu, Valerie Wouters, Robert Gerard Ouellette, Ryan Crowe, Roshan L. Lewis
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Patent number: 11441920Abstract: A computer system can estimate preparation times associated with items offered by a plurality of entities to manage a service over a given geographic region. The computer system can receive, from a user device of a user, a request that indicates a user selection of a first set of one or more items to be provided by a first entity and a second set of one or more items to be provided by a second entity. The network system can determine a route of travel for a service provider to navigate in fulfilling the request. The route of navigation can be determined based at least in part on a first set of preparation timing information associated with the first set of one or more items and a second set of preparation timing information associated with the second set of one or more items.Type: GrantFiled: June 30, 2020Date of Patent: September 13, 2022Assignee: Uber Technologies, Inc.Inventors: Jason Droege, Stephen Chau, Andrew Timothy Szybalski
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Patent number: 11443308Abstract: A transaction system can include a computing device with a communication port, a processor device, and a non-transitory computer-readable storage memory. The communication port can communicate data with other computing devices. The non-transitory computer-readable storage memory includes code that is executable by the processor device to perform operations. The operations include receiving parameters of a transfer, verifying the transfer using a multi-factor authentication process, in response to verifying the transfer, using a private key to countersign the transfer and return, via the communications port, a signed transfer package for execution of the transfer, and providing, via the communications port, the parameters of the transfer and countersign data to an immutable ledger.Type: GrantFiled: November 20, 2020Date of Patent: September 13, 2022Assignee: TRUIST BANKInventors: Amy Rose, David Stone, Scott Travis Leith, William Mark Connolly
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Patent number: 11443312Abstract: Methods, systems, and apparatuses are described herein for the direct sharing and use of transaction data separately from transaction authorization processes. Transaction metadata associated with a transaction may be received and validated. Authorization information corresponding to the transaction may be received. The degree to which the transaction metadata is tested may be based on a predicted time of receipt of the authorization information. The transaction metadata and authorization information may be correlated. A computing device may determine whether to authorize the financial transaction based on the authorization information and the correlated transaction metadata. All or portions of the transaction metadata may be provided to one or more users after the transaction has been authorized or denied.Type: GrantFiled: February 16, 2021Date of Patent: September 13, 2022Assignee: Capital One Services, LLCInventors: Wesley Perkins, Venkata Satya Sriram Kalyan Namuduri, David Ross, Andrew Coulson, Hunter Roberts
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Patent number: 11436596Abstract: Disclosed are various embodiments for determining eligibility for the delegation exemption to strong customer authentication requirements. In one embodiment, a payee entity determines that a payment transaction using a payment instrument issued by a payment issuer is eligible for a delegation exemption from an authentication challenge by the payment issuer based at least in part on a previous authentication challenge by the payment issuer being successfully completed for a previous payment transaction using the payment instrument and a returned payment history associated with the payment instrument. Subsequently, the payee entity generates an alternative authentication challenge that does not involve the payment issuer instead of the authentication challenge by the payment issuer.Type: GrantFiled: August 28, 2019Date of Patent: September 6, 2022Assignee: Amazon Technologies, Inc.Inventors: Artem Pliasunov, Jagan Cheboluraghava, Helmuth Elsner, Daewoong Ha, Steven H. Reis
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Patent number: 11436584Abstract: A server includes: a database that registers a payment instrument, associates the instrument with indirect tokens, and stores a payment token that associates the indirect tokens with the instrument in a record along with an identifier for a device; a communication circuit, that receives transaction details from a POS terminal, and receives the one of the indirect tokens from the POS terminal; and a code segment, that employs the payment token to access the identifier in the record, directs the communication circuit to send a push notification, and, upon execution of the proprietary application on the device, directs the communication circuit to transmit transaction details to the POS terminal and the device, receives transaction data from the device, completes the transaction, and directs the communication circuit to notify the POS terminal that the transaction is complete.Type: GrantFiled: December 15, 2020Date of Patent: September 6, 2022Assignee: Toast, Inc.Inventors: Benjamin Gordon, Lori R. Tavis
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Patent number: 11436588Abstract: A method and system of increasing the security of requests to access funds from a joint bank account by secondary users to permit a primary user to securely regulate fund usage are disclosed. The system and method are configured to link to a bank account and restrict access of funds by secondary users per conditions defined by the primary user(s). A software application receives requests for funds from secondary users for use during a transaction to be performed at a specific merchant location. The application requires geodata that supports the proposed transaction, for example by inclusion of an image taken in which GPS data is embedded. The request will only be conveyed to the primary user if the system determines the embedded GPS data corresponds to the location of the merchant.Type: GrantFiled: December 27, 2019Date of Patent: September 6, 2022Assignee: United Services Automobile Association (USAA)Inventors: Valerie Ann Roth, Charise Renee Whitaker, Oscar Guerra, Ashley Raine Philbrick, Paula Ann Whittington, Kelly Q. Baker, Will Kerns Maney, Jr., Sumita T. Jonak, Pragya Kamal, Ryan Thomas Russell, Joel S. Hartshorn
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Patent number: 11430021Abstract: A system and method according to which a donation transaction is conducted. The method includes providing, via a network, an embeddable form, wherein the embeddable form is associated with a non-profit, and wherein the embeddable form is adapted to be displayed on a graphical user interface to receive payment data and payment metadata associated with the payment data. The method also includes: transmitting, via the embeddable form and the network, the payment data to a third-party server for tokenization of the payment data; receiving, by a software development kit (“SDK”) and via the network, a unique token associated with the payment data, and the payment metadata associated with the payment data; executing, by the SDK, the donation transaction in accordance with the unique token and the payment metadata; and storing, by the SDK, the unique token associated with the payment data and the payment metadata.Type: GrantFiled: August 27, 2021Date of Patent: August 30, 2022Assignee: iDonate LLCInventor: Raymond J. Gary, Jr.
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Patent number: 11429979Abstract: The invention relates to methods and systems for reducing user interventions necessary for authentication of electronic payment transactions. In an embodiment the invention comprises (i) receiving from a POS terminal a payment transaction request, and information identifying a first payment card for implementing the payment transaction request, (ii) receiving from a wireless access point, information corresponding to a set of payment cards enrolled with a mobile payment wallet implemented on said mobile communication device, (iii) determining whether received information corresponding to the first payment card matches received information corresponding to any payment card within the set of payment cards enrolled with the mobile payment wallet, and (iv) implementing the requested payment transaction based on the first payment card.Type: GrantFiled: July 25, 2019Date of Patent: August 30, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Shubham Kumar, Vikas Bishnoi, Meenakshi Shandilya
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Patent number: 11429950Abstract: A mobile payment apparatus includes a communication unit configured to exchange payment information with a communication peer end using a radio link, a memory configured to store mobile payment software, a SE, including a first storage module and a processor, and at least one CPU configured to execute general operating system software. The processor is configured to load the mobile payment software from the memory to the first storage module and exchange the payment information with the communication unit under action of the mobile payment software. The first storage module is configured to provide memory space for executing the mobile payment software for the processor. The SE and the at least one CPU are located in a first semiconductor chip.Type: GrantFiled: December 22, 2016Date of Patent: August 30, 2022Assignee: HUAWEI TECHNOLOGIES CO., LTD.Inventor: Shilin Pan
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Patent number: 11416897Abstract: In some embodiments, a method includes in response to an integration tag included in a webpage at a first user interface being executed at a mobile device, receiving a mobile device identifier and a request to retrieve a purchase identifier. The method includes sending a first signal causing a frame to be provided within the webpage at the first user interface. The method includes in response to a first user input, receiving a Hyper Text Transfer Protocol (HTTP) POST request and determining a uniform resource identifier (URI). The method includes retrieving purchase information and sending a HTTP response message including the URI of the second user interface and the purchase information to deeplink to the second user interface and to cause the second user interface to be rendered at the mobile device with the purchase information pre-populated in an input field of a text message.Type: GrantFiled: January 5, 2022Date of Patent: August 16, 2022Assignee: Attentive Mobile Inc.Inventors: Brian Long, Brooke Burdge, Andrew Jones, Eric Miao, Ryan Tsang, Ethan Lo, Elyssa Albert
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Patent number: 11417170Abstract: The present disclosure relates generally to a system that utilizes a primary or central gaming establishment account to accumulate funds from one or more secondary or peripheral gaming establishment accounts and escrow such funds prior to use.Type: GrantFiled: June 15, 2021Date of Patent: August 16, 2022Assignee: IGTInventors: Jeffery Shepherd, Kevin Higgins
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Patent number: 11416833Abstract: Disclosed are a payment service apparatus for providing product information to an offline merchant on the basis of location information and supporting payment processing based on a virtual currency and an operating method thereof.Type: GrantFiled: March 5, 2020Date of Patent: August 16, 2022Assignee: UBIFUN CO., LTD.Inventors: Jin Hwan Park, Ji Sung Kim
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Patent number: 11403640Abstract: Systems and methods for identifying malicious digital wallet devices are provided. Exemplary embodiments may establish communication with a user device associated with a digital wallet application and determine a unique device identifier for the device. Risk data may then be obtained from one or more fraudulent activity databases and associated with the device identifier. The user device may then be identified as a malicious or non-malicious device based on a device score generated based on the risk data. Devices identified as malicious may then have their unique device identifier stored on a malicious device database.Type: GrantFiled: May 21, 2019Date of Patent: August 2, 2022Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Kurt A Baskette, John D Moore
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Patent number: 11403625Abstract: Described herein is a system for automatically reissuing a prepaid device for an expired account upon detecting a funding event associated with the expired account. An account may be expired upon determining that one or more expiration conditions have been met. An event handler may be configured to receive events. Upon identifying a funding event associated with an expired account, the event handler may initiate a reissuance process for a prepaid device associated with the account.Type: GrantFiled: July 23, 2020Date of Patent: August 2, 2022Assignee: Visa International Service AssociationInventors: Garrett Truax, Nyssa L. Zabel, Laura Kidd
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Patent number: 11403632Abstract: Disclosed are computer-implemented methods, non-transitory computer-readable media, and systems for managing transactions in blockchain networks.Type: GrantFiled: June 25, 2021Date of Patent: August 2, 2022Assignee: ALIPAY LABS (SINGAPORE) PTE. Ltd.Inventors: Hui Fang, Yuan Yuan, Shengjiao Cao, Weitao Yang
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Patent number: 11403615Abstract: There are provided systems and methods for automatic synchronization of a device for transaction processing based on geo-fenced locations. A merchant may geo-fence an area corresponding to the merchant's location where a user may visit to purchase an item. The merchant may provide multiple transaction processing and payment options at the merchant location, including payment applications with a mobile communication device. A payment provider may detect the location of the user and determine that the user's location matches the merchant's location through the geo-fenced area for the merchant. The payment provider may then configure a payment process for the user to utilize at the merchant location using payment mechanisms accepted at the merchant location. Where multiple merchants are located nearby, the payment provider may utilize additional known information for the user to select the most likely merchant for the user.Type: GrantFiled: March 2, 2020Date of Patent: August 2, 2022Assignee: PAYPAL, INC.Inventors: Kevin Laracey, Douglas Hurst, Patrick Babcock
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Patent number: 11403646Abstract: Point-of-sale (POS) e-commerce transaction verification via a mobile device such as a smart phone, smart watch, tablet, PC, appliance or personal assistant rather than numeric keypad on POS device. Near field communication (NFC), quick response (QR) code, push notification and executable application embodiments disclosed.Type: GrantFiled: March 1, 2019Date of Patent: August 2, 2022Assignee: Shopify Inc.Inventor: David Grant Seal
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Patent number: 11397804Abstract: A system and associated methods for authenticating an at least one tangible product are disclosed. In at least one embodiment, upon a user desiring to authenticate a given product via a user application on a user device, an authentication request is initiated with an authentication device attached to the product. A device variable count on the authentication device is incremented based on an underlying algorithm, and the authentication device generates a data set containing at least one of a unique device identifier, a unique device key and the device variable count. The authentication device provides the data set and the device identifier to the user application, which then transmits the data to an authentication server. If the authentication server locates the device identifier in an authentication table, and subsequently processes the data set successfully, the authentication server obtains from the authentication table a server variable count associated with the device identifier.Type: GrantFiled: October 9, 2019Date of Patent: July 26, 2022Inventors: Cynthia Fascenelli Kirkeby, Anthony Suk Ko
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Patent number: 11392947Abstract: Techniques are described for managing devices, such as Internet of Things (IoT) devices, using smart contract(s) on a distributed ledger (e.g., blockchain). Smart contract(s) executing on a distributed ledger may control access to one or more devices in a home or other environment. The smart contract(s) may employ information stored on the distributed ledger and information in a transaction sent to the smart contract(s) to determine whether particular user(s) and/or process(es) may access the device(s), issue commands to the device(s), access data generated by the device(s), and/or control the device(s). The smart contract(s) may provide a secure portal through which user(s) and/or service(s) may access device(s) for command and control of such device(s), and secure access may be based on permission information that is specified or provided by an owner or operator of the device(s) and that is stored on the distributed ledger.Type: GrantFiled: February 26, 2018Date of Patent: July 19, 2022Assignee: United Services Automobile Association (USAA)Inventors: Bharat Prasad, Ruthie D. Lyle, Minya Liang, Thomas Bret Buckingham
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Patent number: 11392956Abstract: The present disclosure generally relates to systems and methods for processing recurring payment transactions. In various embodiments, the system receives details of the set of recurring payment transactions and stores the details in a recurring transaction details table. The system generates a virtual payment instrument and associates it with the consumer's payment instrument. The system transmits the virtual payment instrument to the consumer. The system then generates a set of payment tokens for the set of recurring transactions and links the tokens to the virtual payment instrument. Each token is associated with a discrete recurring period. The system encodes each token with a sequence of values and stores the tokens in the recurring payment token table. The system receives a recurring transaction request that includes the virtual payment instrument. The system validates the request against a token associated with the recurring period, processes the transaction, and deletes the token.Type: GrantFiled: May 20, 2019Date of Patent: July 19, 2022Assignee: Mastercard International IncorporatedInventors: Harsh Piparsaniya, Sudhir Gupta, Rahul Agrawal
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Patent number: 11386280Abstract: An electronic device displays a media capture user interface that includes a media capture preview of objects in a field of view of the camera. While displaying the media capture user interface, the electronic device scans the field of view of the camera for data encoded in an optical machine-readable format. In accordance with a determination that the field of view of the camera includes data encoded in the optical machine-readable format that meets respective notification criteria, the electronic device displays a notification that indicates that the camera application has detected data encoded in the optical machine-readable format. In accordance with a determination that the field of view of the camera does not include data encoded in the optical machine-readable format that meets the respective notification criteria, the electronic device maintains display of the media capture user interface of the camera application without displaying the notification.Type: GrantFiled: May 12, 2018Date of Patent: July 12, 2022Assignee: APPLE INC.Inventors: Behkish Johnnie Manzari, Ada Chan, Yongjun Zhang, Patrick Lee Coffman, Charles Ying, Steven Jon Falkenburg
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Patent number: 11386420Abstract: Methods and systems are provided for a contextual authentication of an electronic wallet (e-wallet). An example apparatus includes a wallet application configured to confirm a context for use of an e-wallet, wherein the context is defined by a multifactor authentication (MFA) policy. A multifactor authentication application is configured to access a context sensor to provide input to the wallet application for the MFA policy.Type: GrantFiled: December 29, 2017Date of Patent: July 12, 2022Assignee: Intel CorporationInventors: Michael Nolan, Davide Carboni, Ned M. Smith
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Patent number: 11379850Abstract: Disclosed are example methods, systems, and devices for integrating payment API services provided by a service provider computing system with a client application. The client application running on a user device may allow a user to make payments and/or to submit payments for approval and may communicate payment information to a client computing system. If a payment is submitted for approval via the client application, the client computing system may make API calls to the service provider computing system to, for example, submit, view, and/or cancel payments. Payments may be approved by a second user using a second device. The service provider computing system initiates fund transfers for approved payments. Payments may be submitted within the operating environment of the client application without use of an application or website of the service provider.Type: GrantFiled: December 10, 2018Date of Patent: July 5, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Lila Fakhraie, Jo Anne Graham, Andrea Renee Leighton, Peter L. Shen, Ravi K. Thota
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Patent number: 11381656Abstract: The concept of a service layer message template is introduced, which may be a request template or a response template. Message templates may be created and stored at the service layer. Each message template may contain a set of request or response parameters and their values. Once in place, an application can send a request to the service layer that does not include the request parameters contained in the message template (i.e. request template); instead, a message template identifier may be sent. Since request parameters are included in the message template and stored at the service layer, communication overhead between the service layer and the application (or another service layer) may be reduced.Type: GrantFiled: September 14, 2018Date of Patent: July 5, 2022Assignee: Convida Wireless, LLCInventors: Chonggang Wang, Quang Ly, Xu Li, Dale N. Seed, Michael F. Starsinic
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Patent number: 11379833Abstract: A method of performing block generation may include receiving a request from one or more sources that includes task data associated with one or more tasks for an economy, context information, and an indication of a blockchain of a blockchain matrix to which the task data pertains. The method includes determining whether the task data corresponds to a qualifying transaction for the economy for recording in the blockchain and, if so, determining whether to approve recordation of the qualifying transaction to the blockchain. In response to approving recordation of the transaction, generating a new block for the blockchain that includes the qualifying transaction, and adding the new block to the blockchain.Type: GrantFiled: April 12, 2019Date of Patent: July 5, 2022Assignee: THE DATA ECONOMICS COMPANYInventors: Jennifer M. Hinkel, Arka Ray
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Patent number: 11379813Abstract: A computer-implemented method and device for secure checkout in a retail environment such as at a point of sale location in a store. Each of a customer and a sales associate at the point of sale operate respective mobile communication devices that are equipped to exchange signals and receive the same from one another. The sales associate device sends, inter alia, a physical signal causing the customer device to link to a payment application and server, which is followed by a sequence of authentication steps enabled by a physical authentication unit on the customer's device to ensure and confirm authenticated secure transactions.Type: GrantFiled: December 28, 2018Date of Patent: July 5, 2022Assignee: NewStore Inc.Inventors: Bernardo Joao Torres da Silveira, Ulrike Vanessa Mueller, Jan-Oliver Pantel, Pavel Pascari, Henning Witzel
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Patent number: 11379838Abstract: The present invention includes systems and method for generating Virtual IDs (VIDs) and corresponding Virtual ID Chains (VICs) to anonymize and represent transactions between users, data sources, Virtual ID Management Platforms (VMP), and Third-Party Service Providers (TSPs). VIDs of embodiments are virtualized identifiers that may be used to anonymously and uniquely identify transaction participants. VIDs may be generated in a distributed manner as a party receiving transaction-related information generates a VID corresponding to the sending party. VICs of embodiments are virtualized arrays of VIDs that represent the sequence of interactions between parties to a transaction. VICs are preferably stored in association with transaction logs descriptive of the transaction represented by each VIC to facilitate subsequent processing. A VIC may be iteratively resolved to obtain one or more non-virtualized identifier corresponding to transaction participants represented by the VIC.Type: GrantFiled: February 5, 2020Date of Patent: July 5, 2022Assignee: Hong Kong Applied Science and Technology Research Institute Co., Ltd.Inventors: Kam Hong Shum, Chi-Kwong Hui
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Patent number: 11379591Abstract: The disclosure relates to a method (100) for assessing user authorization, the method comprising: receiving (110), via a data communication network (330), a request from a user device (300) for an access; generating (120), based on data associated with the request, a risk score indicating a risk that the request was sent by a non-authorized user, wherein the risk score indicates a high risk, a medium risk, or a low risk that the user (400) is a non-authorized user; and signaling (130), via the data communication network (330), the user device (300) a need for further information to enable a decision about the authorization of the user (400), if the risk score indicates medium risk. A further aspect relates to a method (200) for user authorization and to an electronic device (300).Type: GrantFiled: March 27, 2020Date of Patent: July 5, 2022Assignee: SONY CORPORATIONInventors: Barbara Jochems, Conor Aylward, Erbin Lim, Francesco Cartella, Francisco Fatore, Johan Duyshaver
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Patent number: 11379616Abstract: A system and method for providing anonymous validation of a query among a plurality of nodes in a network: receives at a support node a query from a requester node; wherein the query comprises a one-way function representation of at least one data point of information of the requester node; receives at the support server, from at least one validator node, a one-way function representation of at least one data point of information of the validator node; compares by the support server the query from the requestor node with the one-way function representation of the at least one data point of information; determines by an aggregator server, based on the comparison, whether the at least one data point of information of the requester node matches the at least one data point of information of the at least one validator node; and outputs a match result to the requestor node.Type: GrantFiled: March 23, 2020Date of Patent: July 5, 2022Assignee: IDENTIQ PROTOCOL LTD.Inventors: Itay Levy, Uri Arad
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Patent number: 11375379Abstract: A method and an apparatus for identifying terminals. The method includes: sending by an NFC card reader of the identifying terminal, a preset instruction to an NFC chip of a terminal to be identified packaged in a packaging box, to switch on the terminal to be identified in a compartment; obtaining identification information corresponding to the terminal to be identified; obtaining location information of the identifying terminal; transmitting the location information and the identification information of the terminal to be identified to a verification server; and obtaining and outputting the identification result sent by the verification server.Type: GrantFiled: February 28, 2022Date of Patent: June 28, 2022Assignee: Beijing Xiaomi Mobile Software Co., Ltd.Inventor: Xiang Wang
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Patent number: 11375309Abstract: The present disclosure provides a sound collection device that collects a sound while suppressing noise. The sound collection device includes: a storage that stores first data indicating a feature amount of an image of an object indicating a noise source or a target sound source; and a control circuit that specifies a direction of the noise source by performing a first collation of collating image data generated by a camera with the first data, and performs signal processing on an acoustic signal outputted from a microphone array so as to suppress a sound arriving from the specified direction of the noise source.Type: GrantFiled: December 9, 2020Date of Patent: June 28, 2022Assignee: PANASONIC INTELLECTUAL PROPERTY MANAGEMENT CO., LTD.Inventors: Yoshifumi Hirose, Yusuke Adachi
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Patent number: 11373179Abstract: A method for performing secure, verifiable, offline blockchain transactions through a trusted execution environment and time-limited credentials includes: storing, in a trusted execution environment of a computing device, a cryptographic key pair comprised of a public key and a private key; transmitting, by a transmitter of the computing device, the public key to a gateway device in a blockchain network; receiving, by a receiver of the computing device, a time-limited credential from the gateway device; generating, by a processing device of the computing device, a blockchain data value, wherein the blockchain data value includes at least the time-limited credential, a transaction amount, and a destination address; digitally signing, by the trusted execution environment of the computing device, the generated blockchain data value using the private key; and transmitting, by the transmitter of the computing device, the signed blockchain data value to an external device.Type: GrantFiled: July 12, 2019Date of Patent: June 28, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Stephen Higgins
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Patent number: 11368468Abstract: Disclosed herein are system, method, and device embodiments for implementing location identification in multi-factor authentication (MFA). In an example embodiment, a user service may present a geographic map based on a MFA process, and receive an authentication attempt including a geographic indicator and interaction information. Further, the system may determine whether the authentication attempt was made by a human based at least in part on the interaction information, determine whether the geographic indicator matches an expected response, and send, to an electronic device, an authentication result indicating whether geographic information was determined to be selected by a human and the geographic indicator was determined to match the expected response.Type: GrantFiled: May 21, 2020Date of Patent: June 21, 2022Assignee: Capital One Services, LLCInventors: Lukiih Cuan, Eric Loucks, Joshua Edwards
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Patent number: 11367094Abstract: The present invention is related to a computer implemented method for validating a voucher in an electronic voucher system, the electronic voucher system comprising a voucher holder application, an attestation application, a voucher issuer application an issuer server application, a voucher collector application, a smart contract system or SCS. An electronic voucher system, a computer program product and a computer-readable storage medium for carrying out the steps of the method is also described.Type: GrantFiled: February 21, 2019Date of Patent: June 21, 2022Assignee: Banco Bilbao Vizcaya Argentaria, S.A.Inventors: Javier Moreno Molina, Juan Ferrer Garcia
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Patent number: 11367075Abstract: A method for identifying a risk pertaining to a transaction to be processed, includes: identifying a risk pertaining to a transaction to be processed via a fast identification layer in a risk control system, thereby obtaining a first identification result; identifying a risk of interference pertaining to the transaction to be processed via a model for identifying transactions susceptible to interference, thereby obtaining a second identification result; and determining a processing manner for the transaction to be processed based on the first identification result and the second identification result, the processing manner including releasing the transaction to be processed, or further identifying the risk pertaining to the transaction to be processed via the in-depth identification layer in the risk control system.Type: GrantFiled: January 28, 2020Date of Patent: June 21, 2022Assignee: Advanced New Technologies Co., Ltd.Inventors: Yicheng Lu, Tao Chen, Wenbiao Zhao
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Patent number: 11361686Abstract: Technologies are generally described for context sensitive display of final delivery information on a consumable delivery vehicle with enroute preparation. A controller may manage fulfillment of orders while the vehicle is enroute by controlling an operation of one or more on-board preparation equipment. The controller may also receive order status information and travel information associated with final delivery destinations. Once the vehicle is at its destination to be used as a hub for final deliveries, one or more displays on the vehicle may display final delivery information to final delivery people based on the status information and the travel information.Type: GrantFiled: November 7, 2019Date of Patent: June 14, 2022Assignee: Zume, Inc.Inventors: Alexander John Garden, Joshua Gouled Goldberg
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Patent number: 11361319Abstract: Embodiments of the present disclosure provide a service processing method, apparatus, and system. The method may include: receiving, by a processing server, biological feature information of a user and service settlement information generated according to a service behavior of the user that are sent by a service device. The processing server searches for account information bounded with the biological feature information; performs payment processing on the account information according to the service settlement information, to obtain a processing result; and sends the processing result to the service device and a terminal.Type: GrantFiled: July 19, 2018Date of Patent: June 14, 2022Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITEDInventors: Xian Xie, Daogang Zhu, Jingliang Chen, Shan Lu, Jiatao Lin, Minghui Wang
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Patent number: 11361320Abstract: Detecting and controlling fraud in centralized processing is provided. A system receives data packets carrying electronic transactions, and clusters the electronic transactions based on an intermediary identifier of each of the electronic transactions to identify a first cluster and a second cluster. The system generates a first model for the first cluster and a second model for the second cluster. The system detects a fraudulent electronic transaction having a first source identifier. The system locks a first data structure to prevent transfer of a first resource in electronic transactions associated with the first source identifier. The system identifies source identifiers associated with the first cluster in a first tier. The system locks absent detection of the fraudulent electronic transaction in one or more electronic transaction associated with the source identifiers, the data structure corresponding to each of the source identifiers in the first cluster.Type: GrantFiled: October 5, 2020Date of Patent: June 14, 2022Assignee: Alegeus Technologies, LLCInventor: John Bull
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Patent number: 11356364Abstract: Techniques are provided for intelligent routing to a node in a network, such as a transport computer. A gateway server may receive authorization requests from a resource provider computer. There may be multiple potential transport computers to which to potentially route the authorization requests, depending on relationships established between the parties. A routing decision may be made automatically based on real-time network measurements and/or static rules. Real-time network measurements may be obtained by monitoring transport computers for failures, delays, or other undesirable activity. The routing decisions may further be based on expected volumes (e.g., based on analysis of historical spikes in volume). The routing decisions may further be based on user-configured rules and preferences, received via a routing administration interface.Type: GrantFiled: May 1, 2019Date of Patent: June 7, 2022Assignee: Visa International Service AssociationInventors: Biju Abraham, Rabeek RajaMydeen Kanavapeer
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Patent number: 11354668Abstract: A computer-based method for identifying a user computing device used in a fraudulent transaction is provided. The method includes receiving device data associated with the user computing device during a first payment transaction initiated from the user computing device, wherein the device data is capable of uniquely identifying the user computing device. The method further includes storing the device data within the at least one memory device, and receiving an indication that the first payment transaction initiated from the user computing device was fraudulent. The method further includes assigning a risk factor to the user computing device, and transmitting the risk factor to a merchant, wherein the merchant uses the risk factor to determine whether to process a resale transaction initiated from the user computing device wherein the resale transaction is associated with a resale of goods acquired in association with the first payment transaction.Type: GrantFiled: November 6, 2017Date of Patent: June 7, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: David J. Senci, Kyle Williams, Michelle L. Hafner
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Patent number: 11354648Abstract: A transaction card receives sound waves that represent a user command, where the user command identifies one or more transaction restrictions of the transaction card. The transaction card converts the sound waves to a digital signal and identifies, based on an analysis of the digital signal, user command data that identifies the user command. The transaction card sets, based on identifying the user command data, one or more transaction restriction values for the one or more transaction restrictions. The transaction card receives transaction metadata associated with a transaction and determines whether the transaction is compliant with the one or more transaction restrictions. The transaction card causes, based on determining whether the transaction is compliant with the one or more transaction restrictions, the transaction to be processed by a server device, or to be declined.Type: GrantFiled: March 9, 2020Date of Patent: June 7, 2022Assignee: Capital One Services, LLCInventors: Rajko Ilincic, Sarah J. Cunningham, James Zarakas, William F. Carroll, George Bergeron
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Patent number: 11356458Abstract: The invention provides methods, systems and computer programs for dual layer identity based access control implemented within systems that implement a micro-service architecture. The invention involves (i) receiving at a first resource server (a) a request for a first processor implemented service, (b) a primary access token generated by the primary identity authentication server, and (c) validation information corresponding to the primary access token that is transmitted by the primary identity authentication server, (iv) responsive confirming validity of the primary access token, transmitting to a secondary identity authentication server, a request for generation of a secondary access token, (v) receiving the secondary access token at the first resource server, and (vi) transmitting to a second resource server within the server system, a request for a second processor implemented service implemented by said second resource server.Type: GrantFiled: February 12, 2020Date of Patent: June 7, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Asheesh Agarwal, Nirmish Dholakia, PiyushKumar Mistry