Patents Examined by Calvin L Hewitt, II
  • Patent number: 10817873
    Abstract: Auditing of mortgage documents is faster and simpler. An electronic mortgage application often contains or references a collection of many separate electronic mortgage documents. Electronic data representing an original version of an electronic mortgage document and its current version may be hashed to generate digital signatures. Any auditor may then quickly compare the digital signatures. If the digital signatures match, then the audit reveals that the electronic mortgage document has not changed since its creation. However, if the digital signatures do not match, then the electronic mortgage document has changed since its creation. The auditor may thus flag the electronic mortgage document for additional auditing processes.
    Type: Grant
    Filed: March 22, 2017
    Date of Patent: October 27, 2020
    Assignee: Factom, Inc.
    Inventors: Mahesh Paolini-Subramanya, Brain Deery, Jason Nadeau, Paul Snow
  • Patent number: 10803432
    Abstract: In some embodiments, a user device may detect, via pattern recognition by a user application, a pattern (indicative of a given code type) presented on a physical object. The user device may cause, via the user application, a code scanning application to be launched based on the detection to scan the pattern. The user device may obtain, via the user application, a code (associated with a biller entity) of the given code type from the code scanning application based on the code scanning application's scan. The user device may cause, via the user application, the code or information derived from the code to be provided over the Internet to a computer system hosting accounts of a user of the user application. The code or the derived information may be used by the computer system to complete transactions between the biller entity and at least one of the accounts.
    Type: Grant
    Filed: December 6, 2017
    Date of Patent: October 13, 2020
    Inventor: Stanley Kevin Miles
  • Patent number: 10794729
    Abstract: Different adapters and applications may publish information on the messaging bus and retrieve information from the bus simultaneously in a manner that does not cause interference or problems in the publication or retrieval. Meter data is cleaned, validated and estimated by separate applications using the above-described application and retrieval processes via the message bus for flexible and efficient processing.
    Type: Grant
    Filed: August 28, 2007
    Date of Patent: October 6, 2020
    Assignee: Siemens Industry, Inc.
    Inventors: Cree Adams Edwards, Larsh Maur Johnson, Christopher Slaboszewicz King, Narendra Prasad, John Olson Wambaugh, Thomas David Lofgren
  • Patent number: 10789590
    Abstract: An Internet of Thing (IoT) device includes a transceiver coupled to a processor. Blockchain smart contracts can be used with the device to facilitate secure operation.
    Type: Grant
    Filed: December 7, 2018
    Date of Patent: September 29, 2020
    Inventors: Bao Tran, Ha Tran
  • Patent number: 10789589
    Abstract: A dispute resolution cryptocurrency sidechain system includes a system provider that determines that a transaction amount for a transaction has been received at a first public ledger address on a public ledger from a second public ledger address and, in response, allocates a sidechain address on a dispute resolution sidechain ledger. The system provider then sends, through a network to a payer and a payee involved in the transaction, the sidechain address, and monitors the sidechain address for dispute communications. Based on detecting a first dispute communication that is received at the sidechain address and that is signed using a private key that identifies the payer, the system provider device causes a portion of the transaction amount that was received at the first public ledger address to be sent to the second public ledger address.
    Type: Grant
    Filed: December 29, 2017
    Date of Patent: September 29, 2020
    Assignee: PAYPAL, INC.
    Inventor: Frank Anthony Nuzzi
  • Patent number: 10769624
    Abstract: Methods and systems are provided for managing a mobile wallet. In some embodiments, a user may request re-provisioning of the payment instruments in a single user interaction. In accordance with embodiments of the invention, a method of managing a mobile wallet includes providing a downloadable application for enabling a mobile wallet on a user computing device, transmitting the application to the user computing device, receiving a request to enroll a plurality of payment instruments in the mobile wallet enrolling, the plurality of payment instruments in the mobile wallet, receiving a re-provisioning request, and re-provisioning at least a first group of the plurality payment instruments.
    Type: Grant
    Filed: April 16, 2012
    Date of Patent: September 8, 2020
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Richard C. Gonzalez, Maximiliano C. Juarez, Christina N. Nickel, Richard R. Rohrbough
  • Patent number: 10769627
    Abstract: A mobile device of a consumer can have a mobile-based credential stored in a secure memory thereof and an associated alias. Techniques for conducting a transaction with the mobile device may involve receiving a request for the mobile-based credential from a remotely accessible server in response to a requestor device receiving the alias from the consumer. The mobile-based credential can be accessed from the secure memory and transmitted to the remotely accessible server. The mobile-based credential is then usable at the remotely accessible server in combination with a server-based credential stored thereat for obtaining payment credentials to complete the transaction.
    Type: Grant
    Filed: April 4, 2014
    Date of Patent: September 8, 2020
    Assignee: Visa International Service Association
    Inventors: Horatio Nelson Huxham, Alan Joseph O'Regan
  • Patent number: 10740746
    Abstract: A mobile terminal that includes a processor, a NFC circuit, a wireless network circuit. The processor executes a payment application in a memory to generate transaction data relating to a financial transaction. The NFC circuit receives the transaction data and encrypts the transaction data to output NFC encrypted transaction data. The wireless network circuit establishes a wireless network link with an accessory device that is separate from the mobile terminal, encrypts the NFC encrypted transaction data to output combined wireless network+NFC encrypted transaction data, and transmits the combined wireless network+NFC encrypted transaction data through the Bluetooth link to the accessory device for relay to a financial transaction terminal. Related accessory devices are disclosed for proxy encrypted data between the mobile terminal and a financial transaction terminal.
    Type: Grant
    Filed: October 16, 2014
    Date of Patent: August 11, 2020
    Assignee: Sony Corporation
    Inventor: Victor Boivie
  • Patent number: 10719817
    Abstract: The disclosed embodiments include wearable transaction devices. A wearable transaction device may client device for executing a transaction. The client device may include interface hardware for communicating transaction information, a memory device for storing the transaction information, and sensor hardware configured to sense an action performed by a user. The client device may also include one or more hardware processors configured to access the transaction information, and identify an operation based on at least the transaction information. The one or more hardware processors may be further configured to determine that the operation is authorized by the user, and transmit a notification to a server based on the determination that the operation is authorized by the user, the notification including at least an indication of the identified operation.
    Type: Grant
    Filed: January 11, 2018
    Date of Patent: July 21, 2020
    Assignee: Capital One Services, LLC
    Inventors: Richard S. Just, Cameron M. Geiser
  • Patent number: 10685399
    Abstract: Due diligence of mortgage documents is faster and simpler. An electronic mortgage application often contains or references a collection of many separate electronic mortgage documents. Electronic data representing an original version of an electronic mortgage document and its current version may be hashed to generate digital signatures. Any auditor may then quickly conduct the due diligence by comparing the digital signatures. If the digital signatures match, then the due diligence reveals that the electronic mortgage document has not changed since its creation. However, if the digital signatures do not match, then the electronic mortgage document has changed since its creation. The auditor may thus flag the electronic mortgage document for additional due diligence. Regardless, a result of the due diligence may be incorporated into one or more blockchains.
    Type: Grant
    Filed: March 31, 2017
    Date of Patent: June 16, 2020
    Assignee: Factom, Inc.
    Inventors: Paul Snow, Brian Deery, Jason Nadeau, Mahesh Paolini-Subramanya
  • Patent number: 10671988
    Abstract: A method is provided for processing an electronic payment.
    Type: Grant
    Filed: February 12, 2016
    Date of Patent: June 2, 2020
    Assignee: MASTERCARD ASIA/PACIFIC PTE. LTD.
    Inventors: Vijin Venugopalan, Benjamin Charles Gilbey, Prashant Sharma
  • Patent number: 10650373
    Abstract: A first and a second device both have access to a series of data representing configurations of hash functions. The first device selects a first configuration and implements a hashing function from the selected configuration. A hash value is generated and transmitted to the second device. The second device has hashing configurations stored on a memory. A processor in the second device selects the first hashing configuration to implement the hash function from the first configuration and generates a hash value. The hash values generated on the first device and generated on the second device are compared to determine an action. The first configuration is disabled and a new configuration is retrieved. At least 4 and more preferably at least 5 different n-state functions with n>2 are used in a hash function.
    Type: Grant
    Filed: August 23, 2016
    Date of Patent: May 12, 2020
    Assignee: Ternarylogic LLC
    Inventor: Peter Lablans
  • Patent number: 10614433
    Abstract: A hybrid digital rights management (DRM) system includes a hybrid digital rights management server (RMS server) connected to first and second RMS servers and a client computer. The hybrid RMS server stores a policy mapping table that maps its DRM policies to remote DRM policies on the first or second RMS servers, and can also create policies that satisfy the schema requirements of the first or second RMS server using policies stored in the hybrid RMS server. When the hybrid RMS server receives a document protection request from the client computer, it extracts the filename extension for the document to be protected, and uses the filename extension to select one of the first and second RMS servers as a target RMS server. The document is protected by the target RMS server, and also added to a protected document database on the hybrid RMS server.
    Type: Grant
    Filed: June 30, 2015
    Date of Patent: April 7, 2020
    Assignee: KONICA MINOLTA LABORATORY U.S.A., INC.
    Inventors: Rabindra Pathak, Kyohei Shiraishi
  • Patent number: 10521780
    Abstract: Techniques are described for managing a transaction, such as a purchase of a vehicle or other product, using one or more blockchains. The completion of a transaction may be facilitated by providing an information portal, such as one or more application user interfaces, to enable the buyer, seller, or other parties to readily access blockchain-stored information that is relevant to the transaction. In some examples, where the product to be purchased is a vehicle (e.g., car, truck, motorcycle, boat, etc.), the blockchain-stored information may include information regarding the loan, title, insurance, driver's license or other identification verification, vehicle ownership history, inspection history, repair history, lien information, and so forth. The portal also enables a point of contact to be maintained between the buyer and a lender during the process of purchasing the product.
    Type: Grant
    Filed: December 15, 2016
    Date of Patent: December 31, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: John C. Hopkins, III, Bharat Prasad, Hudson R. Jameson, Gopinath Rangan
  • Patent number: 10521782
    Abstract: A system for and method of performing a transaction between a consumer (105) and a business entity (110). The method comprising the acts of priding transaction data from a submitter (105) to a transaction facilitator (120), generating a token (130) that identifies the transaction data, storing the transaction data and the token at the transaction facilitator (120), providing the token to the submitter (105), returning the token (130) to the transaction facilitator, obtaining the stored transaction data identified by the token, and using at least a portion of the obtained transaction data to implement the transaction.
    Type: Grant
    Filed: April 12, 2001
    Date of Patent: December 31, 2019
    Assignee: EFUNDS CORPORATION
    Inventors: Kevin Gilbert, Scott R. Statland, Susan M. Kelling, Ian A. Lumsden, Chuck J. Bram
  • Patent number: 10489780
    Abstract: The disclosed technology includes a distributed ledger system that can include one or more transaction blocks that are associated with one or more transaction records of an account corresponding to the primary account number. The system may allocate a first type block in a first distributed ledger, and the first type block may be utilized to identify a classification type associated with the first primary account number. The system may receive, at the first node, a first transaction indication associated with the first primary account number. Responsive to receiving the first transaction indication, the system may bind a first transaction block to the first distributed ledger. Transaction blocks may be configured for selective control and/or selective replicated to other nodes of the system. In response to an end-of-cycle indication, the first transaction block may be locked to prevent further modification.
    Type: Grant
    Filed: March 5, 2018
    Date of Patent: November 26, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Walter Avery Miller, Robert Martin, Bradley W. Smith
  • Patent number: 10475026
    Abstract: A method, system, and/or computer program product securely manages smart card transactions. A processing entity receives a smart card identifier from a smart card. The smart card identifier is a transaction-specific identifier for a transaction, and contains no financial data about a holder of the smart card. The smart card identifier is hidden from a second party to the transaction. The processing entity receives transaction data for the transaction from the second party, where the transaction data is blocked from the smart card. In response to determining that the transaction is valid, the processing entity issues a transaction confirmation to the smart card and a transaction approval to the second party to the transaction.
    Type: Grant
    Filed: May 16, 2014
    Date of Patent: November 12, 2019
    Assignee: International Business Machines Corporation
    Inventors: Robert R. Friedlander, James R. Kraemer, Jeb R. Linton
  • Patent number: 10475027
    Abstract: A system that includes an issuer system that receives, via a network, registration information from a mobile device, wherein the issuer system is associated with a financial institution that issues a smart card to a user and wherein the registration information includes an identifier of the mobile device, and a mobile device application associated with the issuer system, that when executed on a mobile device, communicates with the issuer system to validate the mobile device as a trusted device and enables the trusted device to communicate with the smart card and enable smart card management features mobile device application.
    Type: Grant
    Filed: July 23, 2014
    Date of Patent: November 12, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventor: Matthew T. Guise
  • Patent number: 10467604
    Abstract: A method for conducting financial transactions with an automated teller machine (ATM), including: receiving, by a mobile device, a first authentication credential from a user; authenticating, by the mobile device, the user for access to a financial account based on the first authentication credential; wirelessly transmitting, by the mobile device and to the ATM, a first request to establish a direct short range wireless connection with the ATM after authenticating the user; establishing, by the mobile device, the direct short range wireless connection with the ATM after transmitting the first request; and sending, over the direct short range wireless connection, an identifier of the user to the ATM, where the user makes a selection of a cash amount for withdrawal from the financial account, and where the ATM dispenses the cash amount to the user.
    Type: Grant
    Filed: April 27, 2012
    Date of Patent: November 5, 2019
    Assignee: Intuit Inc.
    Inventors: William Michael Dorsch, Nathaniel David Anderson, Joseph Hikmet Guzel, Jonathan David Fasoli
  • Patent number: 10460530
    Abstract: A method for trip validation includes receiving signals, on a vehicle, from one of a plurality of spaced stationary beacons on a transportation route, the signals including localization data for the respective beacon. A passenger identifier is received from a mobile communication device of a passenger on the vehicle via short range communication. Encrypted transaction data is generated, based on the user identifier, localization data, and a timestamp. The encrypted transaction data is transmitted to passenger mobile communication devices which relay the data to an associated server for processing. The method allows the location of a public transportation device to be identified without the need to provide GPS localization equipment on the vehicle.
    Type: Grant
    Filed: January 19, 2016
    Date of Patent: October 29, 2019
    Assignee: Conduent Business Services, LLC
    Inventors: Rémi Feuillette, Pascal Roux, Cédric Chapignac