Intelligent Token Initializing Or Reloading Patents (Class 705/66)
  • Patent number: 11966976
    Abstract: A crypto ETP is administered by a portfolio modeling computer/(PMC), a fund administration computer/(FAC), an order taking platform computer/(OTP), a custodian computer/(CC), and a paying agent settlement computer/(PASC). The PMC defines the ETP and captures data for a cryptocurrency index. The CC tracks Underlying Assets held by the ETP, and sends the data to the FAC, which calculates the NAV of the Underlying Assets to generate a Portfolio Composite File/(PCF) sent to the OTP. The OTP receives and validates/confirms with the CC, orders for creations and redemptions of the ETP from Authorized Parties/(APs), in exchange for the Underlying Assets and/or cryptocurrency. The PASC provides settlement on the Exchange in cryptocurrency by: receiving confirmation from the CC of transfer of underlyings, ETPs or cryptocurrency from the APs to a blockchain wallet associated with the PCM; and issuing units of the ETPs, underlyings or cryptocurrency to the APs.
    Type: Grant
    Filed: October 30, 2023
    Date of Patent: April 23, 2024
    Assignee: Jura Pentium AG
    Inventors: Ophelia Snyder, Hany Rashwan
  • Patent number: 11914684
    Abstract: The invention described herein is directed to a secure text messaging and object sharing mobile application connected to a DRM cloud service that provides encryption, digital rights management (DRM) of the text and of the attachments, blockchain transactions, the capability of attaching documents, photos and so forth, the capability of interfacing with a user's contacts application, and that operates in both Android and iOS environments.
    Type: Grant
    Filed: November 16, 2021
    Date of Patent: February 27, 2024
    Assignee: DatChat, Inc.
    Inventor: Robert Bernardi
  • Patent number: 11880824
    Abstract: A computer-based digital notarized ledger management system comprises at least one computer-readable memory storing a primary ledger and software instructions. The system further comprises at least one processor coupled with the memory, the processor performs operations upon software instruction execution. The at least one processor performs instructions to receive a ledger request comprising target ledger parameters, generate in the memory, at least one digital token representing a target ledger based on target ledger parameters, mint according to at least one primary ledger smart contract, the at least one digital token as a set of non-fungible tokens (NFTs) having at least some of the target ledger parameters and representing the target ledger on the primary ledger, instruct at least one computing node to instantiate the target ledger in at least one node memory according to the target ledger parameters, and instruct the at least one node to enable target ledger transactions.
    Type: Grant
    Filed: April 6, 2023
    Date of Patent: January 23, 2024
    Assignee: Nant Holdings IP, LLC
    Inventors: Nicholas J. Witchey, Patrick Soon-Shiong
  • Patent number: 11849042
    Abstract: A method includes an authorizing entity computer receiving a request for a virtual access credential from a communication device operated by a user. The authorizing entity computer can then transmit the virtual access credential to the communication device operated by the user. The authorizing entity computer can then receive an authorization request message comprising the virtual access credential from an access device associated with a resource provider for an interaction between the user and the resource provider. The authorizing entity computer can then determine an account identifier linked to the virtual access credential. The account identifier being associated with an account maintained by an external entity computer that is external to the authorizing entity computer. The authorizing entity computer can then determine that the interaction is authorized based upon determining the account identifier associated with the virtual access credential.
    Type: Grant
    Filed: May 17, 2019
    Date of Patent: December 19, 2023
    Assignee: Visa International Service Association
    Inventors: Gilles Verstraeten, Pedro Sousa, Mark Pettit, Prarthana Mitra
  • Patent number: 11836801
    Abstract: A crypto ETP is administered by a portfolio modeling computer/(PMC), a fund administration computer/(FAC), an order taking platform computer/(OTP), a custodian computer/(CC), and a paying agent settlement computer/(PASC). The PMC defines the ETP and captures data for a cryptocurrency index. The CC tracks Underlying Assets held by the ETP, and sends the data to the FAC, which calculates the NAV of the Underlying Assets to generate a Portfolio Composite File/(PCF) sent to the OTP. The OTP receives and validates/confirms with the CC, orders for creations and redemptions of the ETP from Authorized Parties/(APs), in exchange for the Underlying Assets and/or cryptocurrency. The PASC provides settlement on the Exchange in cryptocurrency by: receiving confirmation from the CC of transfer of underlyings, ETPs or cryptocurrency from the APs to a blockchain wallet associated with the PCM; and issuing units of the ETPs, underlyings or cryptocurrency to the APs.
    Type: Grant
    Filed: August 2, 2023
    Date of Patent: December 5, 2023
    Assignee: Jura Pentium AG
    Inventors: Ophelia Snyder, Hany Rashwan
  • Patent number: 11810190
    Abstract: A crypto ETP is administered by a portfolio modeling computer/(PMC), a fund administration computer/(FAC), an order taking platform computer/(OTP), a custodian computer/(CC), and a paying agent settlement computer/(PASC). The PMC defines the ETP and captures data for a cryptocurrency index. The CC tracks Underlying Assets held by the ETP, and sends the data to the FAC, which calculates the NAV of the Underlying Assets to generate a Portfolio Composite File/(PCF) sent to the OTP. The OTP receives and validates/confirms with the CC, orders for creations and redemptions of the ETP from Authorized Parties/(APs), in exchange for the Underlying Assets and/or cryptocurrency. The PASC provides settlement on the Exchange in cryptocurrency by: receiving confirmation from the CC of transfer of underlyings, ETPs or cryptocurrency from the APs to a blockchain wallet associated with the PCM; and issuing units of the ETPs, underlyings or cryptocurrency to the APs.
    Type: Grant
    Filed: March 27, 2020
    Date of Patent: November 7, 2023
    Assignee: Jura Pentium AG
    Inventors: Ophelia Snyder, Hany Rashwan
  • Patent number: 11790444
    Abstract: Various aspects of the disclosure relate to using a verifiable and distributed encoding as a digital currency (e.g., cryptocurrency). According to some embodiments, systems and methods can be executed to transfer cash or “hard” currency responsive to exchange of cryptocurrency supported by blockchain technology. In further example, the systems and methods are tailored to operate within a specified/defined community that ensures the efficient operation of the system by ensuring liquidity of the transfer. According to one embodiment, the system is configured to distribute stable coin, issuing the coin at a discounted value (e.g., relative to a redemption or cash equivalent face value). For example, by issuing coin at a discount the system automatically facilitates peer-to-peer physical cash transfers.
    Type: Grant
    Filed: August 24, 2020
    Date of Patent: October 17, 2023
    Assignee: Ramsee 1, LLC
    Inventors: Miera Rechtschaffen, Alan Rechtschaffen
  • Patent number: 11694196
    Abstract: The invention provides a method and corresponding system for controlling the generation of a blockchain transaction, and/or the recipient of a transaction output. It can also be used to control and record the ownership of an asset represented on the blockchain without the need for a separate registry of ownership. The ownership and transfers thereof can be handled and recorded without the need for knowledge of the parties involved or their identities. According to one embodiment, the method comprises the steps of identifying at least one transaction (Tx) on a blockchain which comprises: an unspent transaction output (UTXO) relating to a tokenised asset associated with an asset controller; and an input which spends an output from a previous transaction that is locked by a redeem script hash.
    Type: Grant
    Filed: October 24, 2017
    Date of Patent: July 4, 2023
    Assignee: nChain Licensing AG
    Inventor: Gavin Allen
  • Patent number: 11651365
    Abstract: A transaction platform including at least one or more public, public-private and/or private distributed ledgers or blockchains that together enable the secure effectuation and recordation of one or more transactions while maintaining transaction party confidentiality. The private distributed ledgers or blockchains are able to store, maintain and provide information about the parties related to the transactions which the distributed blockchains or databases are able to utilize in order to securely and quickly validate, execute and record the transactions in a manner that is GDPR and other data privacy law complaint.
    Type: Grant
    Filed: September 5, 2019
    Date of Patent: May 16, 2023
    Assignee: Atrium Separate IP Holdings Number 4, LLC
    Inventor: H. Anthony DeRosa-Grund
  • Patent number: 11587070
    Abstract: Method for the secure execution of programs (smart contracts) implemented between a first wallet node (WN) (WN1) and a second wallet node (WN2), at least the second WN being implemented in an enclave of a processor, and the WNs being capable of executing programs designated in the messages that reach them, the method comprising the following steps: a) sending by WN1 to WN2 of a pre-message; b1) in response to this pre-message, execution in the enclave of a first program (WNRoT); b2) generation by the enclave of a certificate of authenticity of said first program and of the integrity of its execution; b3) sending said certificate to WN1; c) verification by WN1 of said certificate; d) in the event of successful verification, sending by WN1 to WN2 of a message intended to trigger the execution of a given program in WN2, and e) execution of said program in WN2.
    Type: Grant
    Filed: January 16, 2018
    Date of Patent: February 21, 2023
    Inventor: Enrico Maim
  • Patent number: 11526875
    Abstract: A system and method for preventing the double-spending of digital currency that transfers between multiple DLT networks. The system and method includes creating, based on a unit of fiat currency, a first digital currency of a first type on a first DLT network and a second digital currency of a second type on a second DLT network. Each of the first digital currency and the second digital currency simultaneously represent a value associated with the unit of fiat currency. The system and method includes detecting a transaction request to transfer the first digital currency from the first DLT network to the second DLT network. The system and method include locking, responsive to detecting the transaction request, the first digital currency onto the first DLT network to prevent a transfer of the first digital currency from the first DLT network to another DLT network responsive to a subsequent transaction request.
    Type: Grant
    Filed: February 19, 2020
    Date of Patent: December 13, 2022
    Assignee: Wells Fargo Bank N.A.
    Inventors: Abhijit Shetti, Laura Marie Fontana, Rameshchandra B. Ketharaju, Andrew J. Garner, IV, Nikolai Stroke, Duc Trinh, Mabel Oza, Todd Biggs
  • Patent number: 11416933
    Abstract: Aspects of the disclosure relate to implementation of a recursive hierarchic blockchain for event validation and processing. A computing platform may receive event data from first and second data sources. The computing platform may store, in a first distributed ledger, an event record for each event from the first data source and may store, in a second distributed ledger, an event record for each event from both data sources. In response to determining that a validation condition for a current block of the second distributed ledger has been satisfied, the computing platform may compute a hash and generate a numeric representation of the first distributed ledger. In a new block of the second distributed ledger, the computing platform may store the hash and the numeric representation. The computing platform may write, to the new block of the second distributed ledger, additional event data from both data sources.
    Type: Grant
    Filed: January 7, 2020
    Date of Patent: August 16, 2022
    Assignee: Bank of America Corporation
    Inventor: Maharaj Mukherjee
  • Patent number: 11403629
    Abstract: A contract manager system is a system that allows at least two entities to exchange digital currencies of a different type or on different blockchains (e.g., exchanging XLM digital currency for Stellar Ledger digital currency). The system includes a graphical user interface (GUI) including a display, a processor, and memory. The memory includes instructions stored thereon, which, when executed by the processor, cause the system to execute an atomic swap.
    Type: Grant
    Filed: December 7, 2021
    Date of Patent: August 2, 2022
    Inventors: Thomas T. Meredith, II, Morris Mwanga
  • Patent number: 11238447
    Abstract: A method includes: determining, by a computing device communicably coupled to a blockchain network, participants in a remittance transaction, in which each participant has a corresponding account in a blockchain ledger of the blockchain network, and in which each account includes one or more assets; assembling the remittance transaction based on one or more to-be-spent assets of the one or more assets in an account corresponding to a real remitter, one or more covered assets of the one or more assets in an account corresponding to a fake remitter, and one or more encrypted transfer amounts; generating a linkable ring signature for the remittance transaction based on a private key held by the real remitter, a public key held by the real remitter, and a public key held by the fake remitter; and submitting the remittance transaction and the linkable ring signature to the blockchain network for completion.
    Type: Grant
    Filed: February 28, 2020
    Date of Patent: February 1, 2022
    Assignee: Advanced New Technologies Co., Ltd.
    Inventor: Wenbin Zhang
  • Patent number: 11205164
    Abstract: A method and apparatus for reader device registration, activation, and use are described. The method may include receiving, by a commerce platform, a registration request generated by a reader device, wherein the registration request comprises at least identification data for the reader device. The method may also include transmitting, to the reader device, a registration code. The method may also include receiving, by the commerce platform from a merchant system, a second registration code purported to be the registration code transmitted to the reader device. The method may also include generating an encryption key associated with the reader device and transmitting the encryption key to the merchant system, wherein the encryption key is provided by merchant system to the reader device for use by the reader device when communicating with the commerce platform during merchant transactions.
    Type: Grant
    Filed: September 13, 2019
    Date of Patent: December 21, 2021
    Assignee: STRIPE, INC.
    Inventors: Jonathan Wall, Devesh Senapati, Nate Barnett
  • Patent number: 11036719
    Abstract: A data validation procedure may be propagated to a server machine and to a client machine to perform the same data checking in the respective machines. The data validation procedure may be converted and expressed in a specification language that is suitable for the server machine. Likewise, the data validation procedure may be converted and expressed in a specification language that is suitable for the client machine.
    Type: Grant
    Filed: May 16, 2019
    Date of Patent: June 15, 2021
    Assignee: SAP SE
    Inventor: Christian Bornhardt
  • Patent number: 11037169
    Abstract: A method, system and computer program product automate support for an Internet of Things (IoT) device by a trusted agent. The system includes a mobile wallet executed by a user device that effects execution of a financial transaction with a third party system for an IoT device. A device interface receives a unique identifier associated with the IoT device. A network interface accesses support information associated with the unique identifier of the IoT device. A secure storage used by the mobile wallet stores the unique identifier and support information. A support operation engine executes a support operation for the IoT device based on the unique identifier and support information in the secure storage accessed by the mobile wallet.
    Type: Grant
    Filed: December 20, 2017
    Date of Patent: June 15, 2021
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Sudheendranath R. Bhatt, Rameshchandra Bhaskar Ketharaju, Suresh Reddy, Anupam Upadhyay, Anil Kumar R. Gutha, Satya Prakash, Srikanth Bobbasani, Chloe D. Cangardel, Suresh Chinthanagandla
  • Patent number: 10999298
    Abstract: A method and system for detecting and preventing Internet fraud in online transactions by utilizing and analyzing a number of parameters to uniquely identify a computer user and potential fraudulent transaction through predictive modeling. The method and system uses a delta of time between the clock of the computer used by the actual fraudulent use and the potentially fraudulent user and the clock of the server computer in conjunction with personal information and/or non-personal information, preferably the Browser ID.
    Type: Grant
    Filed: September 28, 2010
    Date of Patent: May 4, 2021
    Assignee: The 41st Parameter, Inc.
    Inventor: Ori Eisen
  • Patent number: 10992477
    Abstract: Example embodiments of systems and methods for data transmission between a contactless card, a client device, and one or more servers are provided. One or more applets of the contactless card are configured to dynamically generate an encrypted payload appended to a link, wherein the contactless card is configured to transmit the link with the appended payload to the client device via one or more gestures. The one or more servers are configured to receive the payload from the client device via one or more applications, parse and decrypt the payload after launch of one or more applications, and transmit one or more notifications to the client device based on a status associated with decryption of the payload. The client device is granted access to a plurality of services associated with the one or more servers based on the one or more notifications received from the one or more servers.
    Type: Grant
    Filed: October 1, 2019
    Date of Patent: April 27, 2021
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Jeffrey Rule, Kevin Osborn
  • Patent number: 10747609
    Abstract: Systems, methods, and apparatuses of created a repair token for a distributed ledger are provided. A method includes identifying an error in the distributed ledger, the error associated with a first block on the distributed ledger, creating a repair token including content of the first block and a correction to the error, digitally signing and timestamping the repair token, and publishing the repair token to a repair token ledger.
    Type: Grant
    Filed: July 10, 2018
    Date of Patent: August 18, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Phillip H. Griffin, Jeffrey J. Stapleton
  • Patent number: 10726163
    Abstract: An electrical signal indicative of an intrusion is detected at an application executing in a cryptographic data processing system. In response to the detection, an instruction is constructed in the application for the cryptographic data processing system. Using a processor, the instruction causes a cryptographic data item to be removed from a portion of a memory device installed in the cryptographic system.
    Type: Grant
    Filed: November 17, 2016
    Date of Patent: July 28, 2020
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Justin L. Harrison, Liviu Rodean
  • Patent number: 10708042
    Abstract: Systems and methods of the present disclosure include receiving an electronic request to exchange data items. A digital asset associated with the exchange of the data items is generated including a vault unique identifier, and an asset owner. An exchange block is generated on an exchange chain to record the electronic request. An asset copy is generated on the exchange ledger chain to record a non-permissioned copy of the digital asset independent from the vault unique identifier. An asset block is generated on an asset ledger chain to record an authoritative copy of the digital asset associated with the exchange of the data items on the exchange chain; where the asset block header includes an asset block hash concatenated with the vault unique identifier associated with the digital asset. The authoritative copy of the digital asset associated with the electronic request is displayed in response to a user selection.
    Type: Grant
    Filed: December 2, 2019
    Date of Patent: July 7, 2020
    Assignee: Yield Solutions Group, LLC
    Inventors: Reid Rubenstein, David Sunshine, Mark Schwartz, Jason Wilcox
  • Patent number: 10673851
    Abstract: Embodiments of the disclosure provide a method for verifying a trusted terminal, including: determining whether a login terminal of a user matches the trusted terminal of the user recorded locally; determining, when it is determined that the login terminal does not match the trusted terminal of the user recorded locally, whether a login account of the user is associated with a frequent-use login account of the login terminal; and determining that the login terminal is the trusted terminal of the user if Yes. By means of solutions of the disclosure, in an application scenario of a login terminal being exchanged between users, repetitively performing complicated verifying on the login terminal may be avoided.
    Type: Grant
    Filed: April 24, 2017
    Date of Patent: June 2, 2020
    Assignee: ALIBABA GROUP HOLDING LIMITED
    Inventors: Jianguo Liang, Peiling Jiang
  • Patent number: 10657595
    Abstract: A system and method for issuing, managing, and transferring asset-backed asset tokens is provided. The system comprises a mint component and a commerce component. The commerce component provides an interface through which customers can purchase asset tokens. The commerce component interfaces with the mint component to control the issuance of the asset tokens in the name of the purchasing customers.
    Type: Grant
    Filed: May 10, 2018
    Date of Patent: May 19, 2020
    Assignee: RESPONSIBLE GOLD OPERATIONS LTD.
    Inventors: Brent William de Jong, Fernando Daniel Goldstein, Stephen Henry Grinalds
  • Patent number: 10652228
    Abstract: Systems and techniques are provided for a resource transfer setup and verification. A request for transfer conditions for a transfer of resources may be received from a first computing device. A set of transfer conditions may be generated in response to the request for transfer conditions and sent to the first computing device. The set of transfer conditions and an indication of an acceptance of the set of transfer conditions by a second computing device may be received from the first computing device. A transfer identifier for the set of transfer conditions may be generated from data from the set of transfer conditions which may specify a first sub-transfer. Transfer instructions may be sent to a third computing device, including instructions for a sub-transfer specified in the set of transfer conditions. The set of transfer conditions may be stored with the transfer identifier as a transfer record in non-volatile storage.
    Type: Grant
    Filed: December 14, 2018
    Date of Patent: May 12, 2020
    Assignee: RIPPLE LUXEMBOURG S.A.
    Inventor: Robert Way
  • Patent number: 10621576
    Abstract: A user may request a payment token from a host. The payment token may be a unique one-time use identifier linked to one or more payment accounts associated with the user. The payment token may be subject to conditions of use. To redeem the payment token, the user device may generate an image code to visually present the payment token for access by a recipient's camera. The recipient may then record the image code. The user may also provide a security identifier to the recipient. The recipient may then transmit the image code and the security identifier to the host as a payment request. The host may verify the payment request and verify compliance with any associated conditions. When the payment token is valid, funds are available, and the conditions are satisfied, then the host may transfer the funds to an account of the recipient.
    Type: Grant
    Filed: March 21, 2014
    Date of Patent: April 14, 2020
    Assignee: Amazon Technologies, Inc.
    Inventor: Ahamed Kannanari
  • Patent number: 10600050
    Abstract: Disclosed is a method, a device, and/or a system of secure custody of a ledger token and/or a quantity of cryptocurrency of a distributed ledger network through binding to a possession token. In one embodiment, a private key controlling an entry in a ledger database of a distributed ledger network is stored in a cryptographically secured data container. The private key may be generated and securely maintained by a server. The data container is cryptographically tied to a possession token that can be issued to a user that may be an evolving dataset that may evolve in state on each transfer to maintain a real time global state across a network of computing devices. Decryption of the private key on the server may depend on data stored in the possession token. The possession token may therefore bestow title of the ledger token and allow for transfer of title while protecting the private key from threats such as hacking and inadvertent loss.
    Type: Grant
    Filed: March 22, 2019
    Date of Patent: March 24, 2020
    Inventors: Dhryl Anton, Michael McFall
  • Patent number: 10580049
    Abstract: A method for incorporating one-time-tokens, coupon and reward systems in conjunction with merchants' POS checkout systems in the physical or virtual environments includes providing a consumer computing device comprising an electronic wallet application, providing a One-time Token Redemption System (OTRS) and user electronic wallet accounts, logging into a user electronic wallet account through the electronic wallet application, sending a request for a one-time token valid for a specified time interval and then forwarding the request for the one-time token to the OTRS and upon approval sending the requested one-time token from the OTRS to the electronic wallet application. Next, presenting and entering the one-time token into a merchant point of sale checkout system within the specified time interval via the consumer computing device, sending the entered one-time token to a checkout application, and then processing payment via a secure payment application.
    Type: Grant
    Filed: October 30, 2012
    Date of Patent: March 3, 2020
    Assignee: INGENICO, INC.
    Inventor: Will W. Graylin
  • Patent number: 10565582
    Abstract: An apparatus and method allowing authentication of a service using a service initiating terminal and a service authorization terminal. The method includes sending, by the service initiating terminal, service information to the service authorization terminal, receiving, by the service initiating terminal, a service authorization code corresponding to the service information sent by the service authorization terminal. The method also includes generating, by the service initiating terminal, service authentication information according to the service information and the service authorization code, and uploading the service authentication information to a server for processing the service after authenticating the service authorization code.
    Type: Grant
    Filed: August 4, 2016
    Date of Patent: February 18, 2020
    Assignee: ALIBABA GROUP HOLDING LIMITED
    Inventors: Yongzhi Zhang, Lingnan Shen, Lei Wang
  • Patent number: 10504113
    Abstract: A method and apparatus for pre-certifying a chip card transaction, includes receiving, by a server, a request for processing the chip card transaction from a first device. The server authenticates the first device and one or more devices involved in the transaction for processing the transaction. If the first device and all of the one or more devices are authenticated, the transaction is processed and data relating to the processed transaction is transmitted to the first device.
    Type: Grant
    Filed: September 2, 2016
    Date of Patent: December 10, 2019
    Assignee: CARDFLIGHT, INC.
    Inventor: Derek Webster
  • Patent number: 10489784
    Abstract: Included are embodiments for tokenizing sensitive data. Some embodiments of systems and/or methods are configured to receive sensitive data from a vendor, determine a token key for the vendor, and utilize a proprietary algorithm, based on the token key to generate a vendor-specific token that is associated with the sensitive data. Some embodiments include creating a token identifier that comprises data related to the token key sending the vendor-specific token and the token identifier to the vendor.
    Type: Grant
    Filed: August 7, 2018
    Date of Patent: November 26, 2019
    Assignee: Worldpay, LLC
    Inventors: Bryan T. Bailey, John Romer, Chris Doyle, Jeremy Gifford, Kevin Zibart
  • Patent number: 10410208
    Abstract: Disclosed embodiments include methods, systems, and computer-readable media configured to provide wearable devices storing tokens associated with digital versions of physical documents/cards. The wearable devices may further transfer tokens securely to interested parties without Bluetooth® or other network connectivity beyond NFC radio. In some embodiments, a token vault operator system may receive a request to establish a token vault account for a user, authenticate an identity of the user based at least on the received request, and generating a token vault ID associated with the user. The token vault operator system may further configure access to data sets generated for and associated with the token vault ID, generate tokens associated with the token vault ID, each token corresponding to one of the one or more data sets, and provide the generated plurality of tokens associated with the token vault ID to at least one user device.
    Type: Grant
    Filed: April 22, 2016
    Date of Patent: September 10, 2019
    Assignee: Capital One Services, LLC
    Inventors: Lawrence Douglas, Paul Moreton
  • Patent number: 10187368
    Abstract: Systems and techniques are provided for a resource transfer setup and verification. A request for transfer conditions for a transfer of resources may be received from a first computing device. A set of transfer conditions may be generated in response to the request for transfer conditions and sent to the first computing device. The set of transfer conditions and an indication of an acceptance of the set of transfer conditions by a second computing device may be received from the first computing device. A transfer identifier for the set of transfer conditions may be generated from data from the set of transfer conditions which may specify a first sub-transfer. Transfer instructions may be sent to a third computing device, including instructions for a sub-transfer specified in the set of transfer conditions. The set of transfer conditions may be stored with the transfer identifier as a transfer record in non-volatile storage.
    Type: Grant
    Filed: August 3, 2016
    Date of Patent: January 22, 2019
    Assignee: Ripple Luxembourg S.A.
    Inventor: Robert Way
  • Patent number: 10140607
    Abstract: A system, method, and server computer configured to authenticate a consumer device. The consumer device is authenticated via a mobile gateway using challenge-response authentication. If the consumer device is successfully authenticated, a secure channel is established between the consumer device and a first entity. The secure channel allows for secure communication between the consumer device and the first entity.
    Type: Grant
    Filed: January 9, 2018
    Date of Patent: November 27, 2018
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Christian Aabye, Sasikumar Kannappan
  • Patent number: 10127539
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for tokenization and token selection associated with wearable device transactions. The system is configured to receive an indication that a user is in possession of the wearable device; authenticate the wearable device; receive an indication from the user to execute a transaction; determine that the user continues to remain in possession of the wearable device; and complete execution of the transaction; initiate execution of the transaction using the first token received from the user; determine a second token based on at least the transaction information and the one or more limits associated with the second token; swapping the first token with the second token; and execute the transaction using one or more financial institution accounts of the user associated with the second token.
    Type: Grant
    Filed: September 30, 2015
    Date of Patent: November 13, 2018
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Joseph B. Castinado, Philip W. Mork, Kimberly C. Turner
  • Patent number: 9990194
    Abstract: A method for preserving backward compatibility involves adding a new virtual method to a first version of a code package comprising a plurality of members to obtain a second version of the code package, wherein the plurality of members include a plurality of virtual methods having at least a first virtual method that is assigned a first token number and a second virtual method that is assigned a second token number sequentially after the first token number, converting a set of code that is part of the first version of the code package to obtain a converted file, modifying the converted file to include backward compatibility information associated with a plurality of token numbers assigned to the plurality of virtual methods in the first version of the code package, and adjusting the assigned first and second token numbers at one of linking time and runtime based on the backward compatibility information.
    Type: Grant
    Filed: August 25, 2016
    Date of Patent: June 5, 2018
    Assignee: Oracle International Corporation
    Inventor: Saqib Ahmad
  • Patent number: 9930039
    Abstract: A deployable computing environment may facilitate interaction and data sharing between users and devices. Users, devices, and relationships between the users and devices may be represented within the deployable computing environment. A relationship between a user and a device may specify that the device is owned by the user and that the device is authorized to perform operations within the deployable computing environment on behalf of the user. Secure authentication of devices and users for interaction within the deployable computing environment is achieved by authenticating tickets corresponding to the user, the device, and the relationship. A device identification ticket and a user identification ticket are used to authenticate the device and user for interaction within the deployable computing environment. A device claim ticket allows the device to perform delegated operations (e.g., data synchronization, peer connectivity, etc.) on behalf of the user without the user's credentials (e.g.
    Type: Grant
    Filed: April 11, 2016
    Date of Patent: March 27, 2018
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Abolade Gbadegesin, Dharma K. Shukla, Thomas A. Galvin, David R. Reed, Nikolay Smolyanskiy, Eric Fleischman, Roman Batoukov
  • Patent number: 9906511
    Abstract: Techniques of performing impersonation detection involve using encrypted access request data. Along these lines, an impersonation detection server stores historical access request data only in encrypted form and has no way to decrypt such data. When a new access request is received by a client, the client sends the username associated with the request to the server, which in turns sends the client the encrypted historical access request data. In addition, the server sends the client instructions to perform impersonation detection. The client then carries out the instructions based on the encrypted historical access request data and data contained in the new access request.
    Type: Grant
    Filed: June 29, 2015
    Date of Patent: February 27, 2018
    Assignees: Bar-Ilan University, EMC IP Holding Company LLC
    Inventors: Eyal Kolman, Alon Kaufman, Yehuda Lindell, Binyamin Pinkas
  • Patent number: 9898729
    Abstract: A system, method, and server computer configured to authenticate a consumer device. The consumer device is authenticated via a mobile gateway using challenge-response authentication. If the consumer device is successfully authenticated, a secure channel is established between the consumer device and a first entity. The secure channel allows for secure communication between the consumer device and the first entity.
    Type: Grant
    Filed: March 12, 2015
    Date of Patent: February 20, 2018
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Christian Aabye, Sasikumar Kannappan
  • Patent number: 9768965
    Abstract: Various embodiments include one or more of systems, methods, software, and data structures for validating a digital signature, wherein common information in a certification chain is maintained in one entry of a Document Secure Store (DSS). The DSS separates the Long Term Validation (LTV) information from the digital signature, allowing amendment of and addition to the LTV information in the DSS after a digital signature is applied to a document.
    Type: Grant
    Filed: May 28, 2009
    Date of Patent: September 19, 2017
    Assignee: Adobe Systems Incorporated
    Inventors: Isak Tenenboym, Marc T. Kaufman, Philip Levy
  • Patent number: 9703938
    Abstract: Fraud and identity theft are enabled by two faulty assumptions about the way that the identity of a person is verified in our society. The first is that someone who demonstrates knowledge of certain items of personal or financial information about a particular person is presumed to be that person. The second assumption, which gives rise to the first assumption, is that these items of information can be kept confidential. Because fraudsters and identity thieves often seek to use their victim's personal and financial information, this invention proposes a direct authentication system and method that does not depend on these assumptions. The proposed method enables businesses to determine whether the customer is truly the person who he says he is by adopting a new “two-factor” authentication technique and authenticating customer's identity utilizing customer's trusted authenticator.
    Type: Grant
    Filed: October 2, 2012
    Date of Patent: July 11, 2017
    Inventors: Nader Asghari-Kamrani, Kamran Asghari-Kamrani
  • Patent number: 9665867
    Abstract: Disclosed is a technique for establishing a secure communication session between a mobile device and a card reader. The technique can involve using a trusted, remote validation server to validate security information of both the card reader and a POS module in the mobile device prior to, and as a precondition of, the card reader and the POS module establishing a secure communication session with each other. In certain embodiments the POS module sends the security information of both the card reader and the POS module to the validation server. The security information can include cryptographic keys of the POS module and the card reader and additional security information related to the POS module and its software environment.
    Type: Grant
    Filed: February 4, 2015
    Date of Patent: May 30, 2017
    Assignee: SQUARE, INC.
    Inventors: Max Joseph Guise, Jason Waddle, Dino Dai Zovi
  • Patent number: 9659184
    Abstract: In the approaches described herein, a data file storage service may control access to file system objects using corresponding “personal” or organization-related “work” identity information which may include encryption keys or passwords. To assist the user with identifying respective file system objects, the user is presented with a corresponding graphical user interface (GUI) which displays a corresponding personal or work identity icon next to a visual rendering of the file system objects. Keys that control access to work identity files and folders are purged from a local key store as soon as user authorization changes are detected. In this way, even a user who originated a data file will not be able to decrypt files stored in a folder shared using a work identity once that identity is canceled by the organization, while at the same time, the user's access to their personal files may continue.
    Type: Grant
    Filed: April 17, 2015
    Date of Patent: May 23, 2017
    Assignee: nCrypted Cloud LLC
    Inventors: Igor Odnovorov, Nicholas Stamos
  • Patent number: 9661087
    Abstract: Systems and methods are provided for notifying a user regarding early consumption of a popular content item. In one or more aspects, a system includes an identification component configured to identify a user that was among a first X percentage of users to access a content item that is ranked as a popular content item based in part on total number of times the content item was previously accessed, a notification generation component configured to generate a notification identifying the user as being among the first X percentage of users to access the popular content item, and a notification posting component configured to send the notification to a device or an account of the user.
    Type: Grant
    Filed: December 9, 2013
    Date of Patent: May 23, 2017
    Assignee: Google Inc.
    Inventors: Justin Lewis, Gavin James
  • Patent number: 9628278
    Abstract: A method transmits a signal using a unidirectional communications link, which is protected by an asymmetric cryptography method. A counter value is incremented by a transmitter during a transmission operation. Subsequently, a challenge is determined by the transmitter on the basis of the counter value and a control command that can be executed by a receiver and, on the basis of the challenge that is determined a response is in turn determined. The challenge and the response are transmitted from the transmitter to the receiver. The challenge received is then checked by the receiver to see whether the counter value used in the challenge is greater than a counter value previously stored by the transmitting transmitter. The response received is checked on the basis of the challenge. Following successful checking of the challenge and response, the control command transmitted in the challenge is executed.
    Type: Grant
    Filed: February 14, 2011
    Date of Patent: April 18, 2017
    Assignee: SIEMENS AKTIENGESELLSCHAFT
    Inventors: Rainer Falk, Steffen Fries
  • Patent number: 9397996
    Abstract: Establishing trust according to historical usage of selected hardware involves providing a usage history for a selected client device; and extending trust to a selected user based on the user's usage history of the client device. The usage history is embodied as signed statements issued by a third party or an authentication server. The issued statement is stored either on the client device, or on an authentication server. The usage history is updated every time a user is authenticated from the selected client device. By combining the usage history with conventional user authentication, an enhanced trust level is readily established. The enhanced, hardware-based trust provided by logging on from a trusted client may eliminate the necessity of requiring secondary authentication for e-commerce and financial services transactions, and may also be used to facilitate password recovery and conflict resolution in the case of stolen passwords.
    Type: Grant
    Filed: January 13, 2015
    Date of Patent: July 19, 2016
    Assignee: Microsoft Technology Licensing, LLC
    Inventor: James A. Roskind
  • Patent number: 9268594
    Abstract: Methods and apparatus relating to processor extensions for execution of secure embedded containers are described. In an embodiment, a scalable solution for manageability function is provided, e.g., for UMPC environments or otherwise where utilizing a dedicated processor or microcontroller for manageability is inappropriate or impractical. For example, in an embodiment, an OS (Operating System) or VMM (Virtual Machine Manager) Independent (generally referred to herein as “OI”) architecture involves creating one or more containers on a processor by dynamically partitioning resources (such as processor cycles, memory, devices) between the HOST OS/VMM and the OI container. Other embodiments are also described and claimed.
    Type: Grant
    Filed: June 3, 2015
    Date of Patent: February 23, 2016
    Assignee: Intel Corporation
    Inventors: Vedvyas Shanbhogue, Arvind Kumar, Purushottam Goel
  • Patent number: 9270674
    Abstract: A method of managing access to enterprise resources is provided. An access manager may operate at a mobile device to validate a mobile application installed at that mobile device. If the access manager does not successfully validate the mobile application, the access manager may prevent the mobile application from accessing computing resource. If the access manager does successfully validate the mobile application, then the access manager may identify the mobile application as a trusted mobile application. The access manager may thus permit the trusted mobile application to access the computing resource.
    Type: Grant
    Filed: May 20, 2013
    Date of Patent: February 23, 2016
    Assignee: Citrix Systems, Inc.
    Inventors: Zhongmin Lang, Gary Barton, James Robert Walker
  • Patent number: 9116741
    Abstract: According to an embodiment, a computer program product includes a computer-readable medium including program, when executed by a computer, to have a plurality of modules run by the computer. The computer includes a memory having a shared area, which is an area accessible to only those modules which run cooperatively and storing therein execution module identifiers. Each of the modules includes a first operation configured to store, just prior to a switchover of operations to an other module that runs cooperatively, an identifier of the other module as the execution module identifier in the shared area; and a second operation configured to execute, when the execution module identifier stored in the shared area matches with an identifier of own module immediately after a switchover of operations from the other module, a function inside the own module.
    Type: Grant
    Filed: August 15, 2012
    Date of Patent: August 25, 2015
    Assignee: Kabushiki Kaisha Toshiba
    Inventors: Hiroyoshi Haruki, Mikio Hashimoto, Fukutomo Nakanishi, Ryotaro Hayashi, Yurie Fujimatsu, Tomohide Jokan, Takeshi Kawabata
  • Patent number: 9106632
    Abstract: Embodiments of the invention can provide systems and methods for device provisioning. According to one example embodiment of the invention, a method can be provided. The method can include identifying, from a computer-readable memory, provisioning information associated with a device; attaching the provisioning information to an item; and preparing the item to be sent to a location of the associated device, wherein the device is provisioned based at least in part on the item. In certain embodiments, one or more operations can be performed by one or more computers associated with a service provider.
    Type: Grant
    Filed: May 25, 2012
    Date of Patent: August 11, 2015
    Assignee: FIRST DATA CORPORATION
    Inventor: Roger Lynn Musfeldt