Patents Examined by Charles C Agwumezie
  • Patent number: 9947031
    Abstract: A content access management system receives an access determination requested identifying an access rule and a requesting user. The access rule may be created in advance by the content owner at the content access management system. The access rule may allow access to content objects based on the requesting user's biographic information, geographic information, affiliation information, payment information, or any other user characteristic. The user information may be entered by the requesting user at a social networking system interface for purposes unrelated to the content object or content owner. The content access management system retrieves the identified access rule and retrieves requesting user information based on the access rule. An access determination is made based on the retrieved access rule and requesting user information, and is transmitted to the content owner.
    Type: Grant
    Filed: December 16, 2011
    Date of Patent: April 17, 2018
    Assignee: Facebook, Inc.
    Inventors: Lincoln W. Hochberg, Vishu Gupta
  • Patent number: 9864958
    Abstract: A system, method, apparatus and computer program product for providing location based functions and mobile e-commerce comprising a central processing unit including a processor, a storage device, and programming stored in the storage device, a display device, an audio input device, an audio output device, a communications module, a commerce module, an image module, and a location module.
    Type: Grant
    Filed: March 28, 2011
    Date of Patent: January 9, 2018
    Assignee: Gula Consulting Limited Liability Company
    Inventor: Melvin L. Barnes, Jr.
  • Patent number: 9858569
    Abstract: Systems and methods for providing authentication of items such as goods, as they are passed through commerce and change ownership. As described herein, the systems and methods certify authenticity of product origin and provide proof of current ownership by creating a publicly verifiable live audit trail using digital signatures, asymmetric (public/secret) key cryptography, an item labeling system, and a mobile authentication client application to capture information about transactions related to an item, perform transactions and record transactions in conjunction with the back end servers.
    Type: Grant
    Filed: March 21, 2014
    Date of Patent: January 2, 2018
    Inventors: Charles Phan, Rune Wetlesen, David Beddington, Ari Andricopoulos, Antti Aitio, Ramanan Navaratnam
  • Patent number: 9836726
    Abstract: A system and a method for conducting credit card transactions through a mobile device of a user. The mobile device comprises an image acquisition unit and a mobile application operated by the mobile device. The system enables acquiring an image of a client's credit card, using the image acquisition unit; analyzing data of the image; outputting details of the credit card from the analysis; verifying the output details, wherein the verification is further carried out through the mobile application; verifying authorization of inputted monetary transaction, wherein the mobile application enables verifying the authorization by communicating with the billing center, associated with at least one credit company associated with the credit card over at least one communication network, wherein the communication is carried out by the mobile application using the mobile device; and conducting monetary transactions using the verified credit card details.
    Type: Grant
    Filed: March 3, 2016
    Date of Patent: December 5, 2017
    Assignee: JUMIO CORPORATION
    Inventors: David Abulafia, Eyal Cohen
  • Patent number: 9836735
    Abstract: The invention relates to a method for performing authenticated bank card payment transaction, comprising registering a user (12) having a communication device (10) suitable for data communication through a communication channel (25) and comprising data storage (14) and data input interface (26).
    Type: Grant
    Filed: October 7, 2010
    Date of Patent: December 5, 2017
    Inventors: Andras Vilmos, Tibor Papp
  • Patent number: 9824356
    Abstract: Embodiments of the invention provide a method a authenticating a transaction at the point of transaction. In some embodiments of the invention, a unique signature is created based at least in part on a hardware profile of the system. In some embodiments, a request is received from a user to perform a transaction using the system. In some embodiments, in response to receiving the request a key is created based on the unique signature and displayed to the user. In some embodiments, user input entered in response to the user viewing the key is received and it is determined whether to proceed with transaction payment authentication based at least on whether the received user input matches the created key.
    Type: Grant
    Filed: August 12, 2014
    Date of Patent: November 21, 2017
    Assignee: Bank of America Corporation
    Inventor: Manu Jacob Kurian
  • Patent number: 9811799
    Abstract: In a method, system, and computer-readable medium having instructions for providing distributed customer support, a customer care provider for a first business entity receives a request for customer care and the request may be handled by the customer care provider with a remedy, transaction information involving any number of transactions from a repository is accessed using a customer care credential and the repository comprises transaction information for a second business entity, and a limitation on the customer care provider is determined for providing the remedy using the transaction information.
    Type: Grant
    Filed: June 10, 2011
    Date of Patent: November 7, 2017
    Assignees: SONY ELETRONICS, INC., SONY CORPORATION
    Inventor: Albhy Galuten
  • Patent number: 9805368
    Abstract: Systems and method for performing secure electronic payment transactions to allow merchants to perform payment processing such that the merchant payment system is not required to store data specific to a particular payment device.
    Type: Grant
    Filed: November 12, 2012
    Date of Patent: October 31, 2017
    Assignee: ProPay, Inc.
    Inventors: Gary B. Goodrich, Gregori Pesci, Bryce Weldon Thacker, Wayne William Peck
  • Patent number: 9807082
    Abstract: A system and method of storing in a computer device digital certificate data from a digital certificate are provided. When a digital certificate is received at the computer device, it is determined whether the digital certificate data in the digital certificate is stored in a first memory store in the computer device. The digital certificate data is stored in the first memory store upon determining that the digital certificate data is not stored in the first memory store.
    Type: Grant
    Filed: March 9, 2011
    Date of Patent: October 31, 2017
    Assignee: BlackBerry Limited
    Inventors: Neil P. Adams, Herbert A. Little, Michael G. Kirkup
  • Patent number: 9792593
    Abstract: A method of processing an online transaction request involves a network gateway generating a revised transaction request from an incoming transaction request that is received from a client terminal. The revised transaction request includes a revised transaction message that is derived from the incoming transaction request and a revised transaction request cryptogram that is generated from the revised transaction message. The revised transaction request cryptogram is uniquely associated with an identity token that is interfaced with the client terminal. The network gateway receives a transaction authorization from an issuer server for the revised transaction request, and provides a revised transaction authorization message to the client terminal in accordance with the received transaction authorization. The revised transaction authorization message provides an indication of authorization of the revised transaction request.
    Type: Grant
    Filed: November 23, 2011
    Date of Patent: October 17, 2017
    Assignee: THE TORONTO-DOMINION BANK
    Inventors: Robert Hayhow, Giovanna Borsella
  • Patent number: 9787650
    Abstract: A scalable, distributed system and method for communicating originating network information for multiparty billing of network services, with authentication of originating network attributes, having particular application when value added services are provided to subscribers of other networks, for which price is determined at the terminating end. An originating network attribute, e.g. an originating network identification, is associated with a private-public key pair of the originating network operator, a service request is generated comprising an network attribute pair containing a clear text attribute and an encrypted attribute, encrypted with the private-key of the originating network operator. Authorized parties having a billing relationship with the originating network operator have access to public keys for decryption and verification the originating network identification prior to forwarding of the service request for completion and billing.
    Type: Grant
    Filed: November 7, 2008
    Date of Patent: October 10, 2017
    Assignee: Toposis Corporation
    Inventors: Thomas Anton Goeller, Tet Hin Yeap
  • Patent number: 9785944
    Abstract: A system for providing real-time risk mitigation for an authorization system. The system receives authorization requests from multiple merchants (or their respective acquirers) and processes such requests. Each processed request is then forwarded to its corresponding issuer for further authorization. Each processed request includes an authorization message. The authorization message can include a risk score, a number of reason codes, and a number of condition codes. The use of the risk score, reason codes and condition codes allows issuers to make better informed decisions with respect to providing authorizations.
    Type: Grant
    Filed: August 25, 2010
    Date of Patent: October 10, 2017
    Assignee: VISA U.S.A. INC.
    Inventors: Belva J. Bruesewitz, Nancy Hilgers, Patrick Faith, Kevin Siegel, Xiaoli Li, Kris Koganti, Craig O'Connell
  • Patent number: 9779393
    Abstract: Methods and systems for enabling and performing secured, single action payments from a mobile device are disclosed. One method includes transmitting user credentials from an application installed on a mobile device to a server alongside a device identifier. The method includes receiving data at least partially defining encrypted personal payment information and saving the encrypted personal payment information in a memory of the mobile device in association with the application. At least prior to receiving a user request to make a payment via the application, the mobile device lacks a decryption key capable of decrypting the encrypted personal payment information.
    Type: Grant
    Filed: April 29, 2011
    Date of Patent: October 3, 2017
    Assignee: AppMobi IPLC, Inc.
    Inventors: Essam Ernest Abadir, Rosco Schock, Ian Dane Maffett
  • Patent number: 9727858
    Abstract: Methods and systems are disclosed for the generation and use of merchant-customizable token formats that define tokens that represent credit card and other payment numbers in online transactions. The tokens, which are used instead of the card numbers themselves for security, can be specified by the token format to have a certain number of characters, have certain fields reserved for major card identifiers, use encryption and/or randomization, be alphanumeric, and have other formatting. The customized tokens can be used with legacy equipment that uses longer or shorter card numbers than the standard sixteen-digit payment card number format and can be less likely to be recognized as related to card numbers by identify thieves.
    Type: Grant
    Filed: December 17, 2015
    Date of Patent: August 8, 2017
    Assignee: Visa U.S.A. Inc.
    Inventors: Lisa Anderson, Seamus Cushley, Fergal Downey
  • Patent number: 9665868
    Abstract: According to the invention, a method of using a one-time password for a transaction between a user and a merchant is disclosed. The method may include generating the one-time password. The method may also include authenticating the user by the authentication server in response to a request from the user to use the one-time password. The method may further include authorizing the use of the one-time password for the transaction in response to authenticating the user by the authentication server. The method may moreover include using the one-time password in combination with an account number to settle the transaction between the user and the merchant. The method may additionally include sending a message to the authentication server originating from the merchant, wherein the message comprises the one-time password, and wherein the message requests a determination whether the one-time password is authorized for use in the transaction.
    Type: Grant
    Filed: May 9, 2011
    Date of Patent: May 30, 2017
    Assignee: CA, Inc.
    Inventors: Rammohan Varadarajan, Ambarish Malpani
  • Patent number: 9659264
    Abstract: A licensing application implemented in a computational device receives a request to enable a feature for a logical volume of a plurality of logical volumes controlled by the computational device, wherein each feature of a plurality of features is configurable to be enabled or disabled for one or more logical volumes of the plurality of logical volumes. The licensing application determines, whether enabling the feature for the logical volume causes a licensed capacity limit for the feature to be exceeded. Enabling the feature for the logical volume is avoided, in response to determining that enabling the feature for the logical volume causes the licensed capacity limit for the feature to be exceeded.
    Type: Grant
    Filed: March 16, 2010
    Date of Patent: May 23, 2017
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventor: Richard Anthony Ripberger
  • Patent number: 9607299
    Abstract: A system and method facilitates purchase transactions over a computer network, including the purchase of electronically storable items. The embodiments herein encrypt “customer information” in an encryption stream and cause the encryption stream to be transferred from the customer to a merchant in the purchase transaction. A verification entity receives the encryption stream which is sent by the merchant for identity verification and payment authorization. Then, the verification entity verifies the identifiers contained in the encryption stream and transfers an identity verification and payment authorization from the verification entity to the merchant. The encryption stream or unique transaction identifier can be added, by the merchant, to a purchased electronic item to create a personalized electronic item.
    Type: Grant
    Filed: August 3, 2012
    Date of Patent: March 28, 2017
    Inventor: Richard F. Carrott
  • Patent number: 9607295
    Abstract: An application store server may download a license to use a selected software application, after purchase of the license, along with the selected software application. The downloaded software application and license may be stored in the wireless mobile communication device. A user of the wireless mobile communication device may run the downloaded software application. In response, the downloaded software application may send a request for permission to run to an application store client in the wireless mobile communication device. The application store client may not return this permission, unless running is determined to be permitted by the downloaded license. The downloaded software application may in addition or instead seek to determine whether running is permitted by the downloaded license. An application store server may download a license to use a selected software application, after purchase of the license, along with the selected software application.
    Type: Grant
    Filed: February 24, 2011
    Date of Patent: March 28, 2017
    Assignee: Cellco Partnership
    Inventors: Ashish Rajkumar Gandhi, Abhishek Sumitra Sheth
  • Patent number: 9589260
    Abstract: The present invention relates to a system and a method for authenticating an electronic money using a smart card and a communication terminal. The present invention provides a system and a method for authenticating an electronic money, wherein the system comprises a smart card and a communication terminal. The smart card takes biometric signature from a user as an input, transmits recognition completion information to the communication terminal when the biometric signature inputted by the user matches the stored biometric signature, receives an update command from the communication terminal, updates the amount of stored balance data, and transmits an update completion message to the communication terminal. The communication terminal is connected to the smart card in a wired or wireless manner, and transmits the update command to the smart card upon receipt of the recognition completion information.
    Type: Grant
    Filed: September 30, 2010
    Date of Patent: March 7, 2017
    Inventor: Unho Choi
  • Patent number: 9542671
    Abstract: A computer-implemented method, to facilitate processing a payment for an online transaction, includes, responsive to receiving secure transaction data from a merchant server, using a payment processor to generate a transaction data identifier to identify the transaction data. The payment processor communicates the transaction data identifier to the merchant server. In response to receiving a request to process a payment, including the transaction data identifier, the payment processor requests user credentials from a user. Upon receiving user credentials from the user, the payment processor verifies the user credentials. The payment processor processes the payment and generates a payment identifier to identify payment data associated with the payment. The payment processor communicates the payment identifier to the merchant server.
    Type: Grant
    Filed: May 12, 2004
    Date of Patent: January 10, 2017
    Assignee: PAYPAL, INC.
    Inventors: Alan Tien, Peter Zhe Chu, Ray Hideki Tanaka, Steve S. Chen