Patents Examined by Chrystina E Zelaskiewicz
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Patent number: 11961108Abstract: Disclosed are systems and methods for improving interactions with and between computers in content providing, searching and/or hosting systems supported by or configured with devices, servers and/or platforms. The disclosed systems and methods provide a novel framework for analyzing messages associated with an inbox of a user, and providing functionality to the inbox for alerting the user to specific forms of content included within each message. Such functionality can include displaying messages and/or the content contained therein in a novel, dedicated and modified and/or embedded portion of a message inbox. The messages can also be modified upon display within in the inbox to indicate that the message includes content of a specific type. Also, messages that include specific content types can also trigger the disclosed framework to generate and provide alerts to the user indicating the inbox has received or includes specific forms of such content.Type: GrantFiled: December 19, 2018Date of Patent: April 16, 2024Assignee: YAHOO ASSETS LLCInventors: Ariel Raviv, Chris Gonsalves, Prateeksha Uday Chandraghatgi, Ashok Kumar, Ping-Hsiu Ben Tsai
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Patent number: 11954677Abstract: Provided herein is a computer-implemented method for provisioning a token to an appliance. The method includes registering an original account identifier to an appliance, wherein the original account identifier is not associated with any user, associating a device token to the original account identifier, wherein the device token is stored by the appliance, associating a user account identifier for a user to at least one of the device token and the original account identifier, receiving, from the appliance, a transaction request for a transaction, the transaction request including the device token, identifying the user account identifier based on the device token, determining that the transaction is authorized based at least partially on the user account identifier and the original account identifier registered to the at least one appliance, and in response to determining that the transaction is authorized, processing the transaction. A system and appliance are also disclosed.Type: GrantFiled: March 27, 2018Date of Patent: April 9, 2024Assignee: Visa International Service AssociationInventors: Surendra Vyas, Vaibhav Shukla, Sindhu Shankar Rao, Satya Prakash Tripathi
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Patent number: 11941625Abstract: Systems and methods for real-time classification and verification of data using hierarchal state machines are disclosed. According to one embodiment, in an information processing apparatus comprising at least one computer processor, a method for real-time classification and verification of data using at least one hierarchy of individual state machines may include: (1) receiving, from at least one external data source, incoming data to be stored in a data store; (2) reviewing the incoming data to identity a possibility of the incoming data including at least one type of sensitive information; (3) identifying a hierarchy of individual state machines to review the incoming data based on the at least one type of sensitive information; and (4) providing the incoming data to the hierarchy of individual state machines.Type: GrantFiled: June 4, 2020Date of Patent: March 26, 2024Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Morgan Akers, Timothy Rupp
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Patent number: 11935002Abstract: The system and methods described herein allow users to apply for a purchase of a good from multiple providers using provider specific methodologies for generating offers for the product. For example, the system described herein may include a multi-layer architecture that includes interactive micro-services that communicate together in a bi-directional manner to create a normalized process for the purchase of a good, such as commercial goods/products (e.g. a vehicle) or real property. The micro-services may assess prequalification for a loan or financing for a good, followed by determining eligibility of the good for financing, and further followed by calculating pricing details for loans (e.g. for financing purchase of the good) that would be offered for a consumer's particular financial credentials, for each of a plurality of lenders. Prequalification and pricing may be performed on a good by good basis, or for a plurality of goods near or substantially simultaneously.Type: GrantFiled: May 22, 2020Date of Patent: March 19, 2024Assignee: Capital One Services, LLCInventors: Dinesh Sundaram, Rajaboopathy Vijayaraghavan, Sanjiv Yajnik, Raman Bajaj, Jacques Morel, Trent Jones, Thomas Sickert, Jacob Creech, Alan Ilango, Alex Baird, Vikramaditya Repaka, Hala Salim El-Ali
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Patent number: 11928748Abstract: An apparatus and method for scannable non-fungible token generation, the apparatus including at least a processor and a memory communicatively connected to the processor. The memory containing instructions configuring the processor to receive a creative work datum, determine a creative work class as a function of the creative work datum, generate a creative work token as a function of the creative work datum, and store the creative work token in an immutable sequential listing, where storing the creative work token includes generating a smart contract associated with the creative work datum, the smart contract also including the creative work class. The processor further configured to generate a machine-readable code as a function of the creative work token and the creative work class and transmit the machine-readable code to an output device.Type: GrantFiled: September 28, 2022Date of Patent: March 12, 2024Assignee: BLOCKCHAIN LIFE, LLCInventor: Kary Oberbrunner
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Patent number: 11915332Abstract: A system and process for management of liabilities is disclosed. The embodiments mitigate variance in the assessment of liability values. In an exemplary embodiment, a liability may be created under rules stored in the form of an digital token. The rules may form a smart contract wherein the terms within the contract change automatically based on criteria being met. The token associated with the smart contract may have tangible value that can appreciate/depreciate and may thus be a tradeable asset or commodity. The inventory of liabilities associated with an issuer may thus be tracked and value precisely assessed.Type: GrantFiled: October 3, 2016Date of Patent: February 27, 2024Assignee: Loyyal Holdings IncorporatedInventors: Shannon Code, Sean Dennis, Gregory Simon
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Patent number: 11887037Abstract: Generating and applying a prediction model based on blockchain data is disclosed. Based on blockchain data related to historical invoices, a prediction model is generated using machine learning. The prediction model is used to generate a recommendation for a particular entity to obtain a target funding amount by a target funding date. The prediction model is applied to the particular entity's outstanding invoices. Based on blockchain data related to the outstanding invoices, the prediction model determines a predicted cost that the particular entity would incur in obtaining funding, by the target funding date, using each outstanding invoice. A funding type to be used for each invoice is also identified. Invoices are selected based on the predicted costs. An interface presents the recommendation to use the selected invoices to obtain the target funding amount by the target funding date.Type: GrantFiled: February 19, 2019Date of Patent: January 30, 2024Assignee: Oracle International CorporationInventor: David Joseph Haimes
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Patent number: 11869030Abstract: A system for using loyalty rewards accounts in a digital wallet may generate a mapping comprising an account mapped to a wallet token number and an indicator with the mapping stored in a database on a network of servers. The indicator may indicate an account type, and the wallet token number may be transmitted to a user device. The system may also receive a transaction request including a received wallet token number and a received indicator The indicator may be matched to the received indicator to determine the received wallet token number is associated with the account type (e.g., a loyalty rewards account). The system may route the transaction request to a loyalty settlement process in response to the account type being a loyalty rewards account.Type: GrantFiled: November 27, 2019Date of Patent: January 9, 2024Assignee: American Express Travel Related Services Company, Inc.Inventors: Manish K. Deliwala, Rajesh K. Namboodiri, Keshav A. Narsipur, Huei Ong, Tony Prentice, Lisa C. Yokoyama, Santhosh R. Rao
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Patent number: 11861747Abstract: A facility for estimating the value of a distinguished home, estimating the length of time a home or other property will be on the market at a listing price, and predicting the likelihood of sale of a home at a listing price is described.Type: GrantFiled: September 7, 2017Date of Patent: January 2, 2024Assignee: MFTB Holdco, Inc.Inventors: Stanley B. Humphries, Dong Xiang, Yeng Bun, Krishna Rao, Elisa Sheng, Chris Sipola
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Patent number: 11769152Abstract: The disclosure herein describes enabling authentication of a user's identity based on a user identification (ID) token. An enrollment request is received by an identity platform from a computing device of the user. The enrollment request includes face data and payment account data associated with a payment account of the user. A face identification template of the user is generated based on the face data. Based on verifying the user's identity using data in the enrollment request, an ID token is generated including the face identification template and the payment account data. The ID token is then provided to the computing device of the user, wherein the computing device is enabled to verify the user's identity based on comparison of the captured image data of the face of the user to the face identification template of the ID token during transactions associated with the computing device.Type: GrantFiled: May 1, 2020Date of Patent: September 26, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Rakesh Kumar
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Patent number: 11763278Abstract: A system, method and apparatus for providing a global service for securely storing deposit instructions is described. The service provides payment processing services with a central location to translate payee information into a revocable d-token that represents the payee deposit instructions. A second service allows qualified banking institutions to convert the d-token into deposit instructions to effectuate a funds transfer.Type: GrantFiled: March 13, 2020Date of Patent: September 19, 2023Assignee: Bottomline Technologies, Inc.Inventor: Jamie Florio
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Patent number: 11756029Abstract: Provided are systems and methods for securely providing an encryption key from a remote resource to a secure element. In one example, the method may include receiving transaction data for settling a payment transaction between a merchant and a cardholder of the computing device, reading a merchant encryption key stored in a secure element of the computing device and received from a remote computing service, dynamically generating, via the secure element, a cryptogram that remotely authenticates the transaction data using the merchant encryption key, and transmitting the dynamically generated cryptogram to a computing system associated with the merchant.Type: GrantFiled: August 26, 2019Date of Patent: September 12, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Mohamed Abouelenin
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Patent number: 11734656Abstract: A distributed device rating system includes a device that is configured to send, to a central authority system, a query to identify at least one other device with which to perform a transaction, where the query specifies one or more criteria associated with the transaction, receive, from the central authority system, an identification of one or more candidate devices with which to perform the transaction, receive rating information associated with the one or more candidate devices, where the rating information identifies at least one characteristic of services previously performed by the one or more candidate devices, determine whether the rating information associated with at least one candidate device of the one or more candidate devices satisfies a rating threshold, and, responsive to determining that the rating information satisfies the rating threshold, initiate, with the at least one candidate device, performance of the transaction.Type: GrantFiled: December 20, 2019Date of Patent: August 22, 2023Assignee: Wells Fargo Bank N.A.Inventors: Chris Theodore Kalaboukis, Rameshchandra Bhaskar Ketharaju, Joon Maeng, Ramanathan Ramanathan, Abhijit Rao, Andres J. Saenz, Makarand Shivadevuni, Joel Eric Boeder
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Patent number: 11734674Abstract: Systems and methods are provided for receiving an encrypted payment payload from a digital wallet host, transmitting a low value token to a merchant, receiving an authorization request, requesting authorization for the transaction from an issuer financial institution using financial data from the encrypted payment payload, receiving an authorization decision from the issuer financial institution, and transmitting an authorization response to the merchant.Type: GrantFiled: June 19, 2020Date of Patent: August 22, 2023Assignee: Worldpay, LLCInventors: William H. Cohn, Sayid Shabeer, David Tarbox
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Patent number: 11699139Abstract: Techniques described herein include analyzing point-of-sale transactions and initiating interactive mobile sessions responsive to the transactions. Platform servers receive transaction data indicative of a transaction performed via a point-of-sale system, determine additional data associated with server processes, and initiate interactive session with the mobile device to receive the additional data for performing the server processes. Based on the interactive sessions and additional data, the platform servers may enhance fraud detection capabilities and generates compliance records for tax and expense reporting based on the transactions, while supporting credentialing and authentication capabilities.Type: GrantFiled: April 3, 2020Date of Patent: July 11, 2023Assignee: Mell Innovations, LLCInventor: Daniel Mell
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Patent number: 11687948Abstract: Systems and methods are described for adjusting decision reliability scores (e.g., weights) in weighted consensus algorithms for blockchains include accessing broadcast events in a blockchain, where the broadcast events correspond to a historic period of time. A broadcast decision provided by a participant in the blockchain for each of the broadcast events may be identified. A consensus decision for each of the broadcast events may be identified where the consensus decision indicates whether there is a consensus among participants in the blockchain that a corresponding broadcast event should be added as a new node to the blockchain. A success rate may be calculated for the participant based the identified broadcast decision provided by the participant for each of the broadcast events and the identified consensus decision for each of the broadcast events. Based on the success rate, the decision reliability score for the participant may be increased, decreased, or maintained.Type: GrantFiled: March 16, 2020Date of Patent: June 27, 2023Assignee: PAYPAL, INC.Inventors: Prasanth Mathew Varghese, Sindhu Pasumarthy
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Patent number: 11682012Abstract: A contactless delivery system is provided. The contactless delivery system includes a contactless card storing a cryptogram containing a unique identifier associated with a user account. After entry into a communication field, the contactless card is configured to transmit the cryptogram to a server. Upon receipt of the cryptogram, the server is configured to validate and decrypt the cryptogram, and extract the unique identifier. The server can query a database for an identity of the user account using the unique identifier, generate a digital signature based on the identity of the user account, and transmit a verification notification including the identity of the user account and the digital signature.Type: GrantFiled: January 27, 2021Date of Patent: June 20, 2023Assignee: CAPITAL ONE SERVICES, LLCInventors: Kevin Osborn, Asher Smith-Rose, Andrea Montealegre
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Patent number: 11676153Abstract: The disclosure herein describes management of transaction blocking schemes via a user interface. A transaction blocking scheme is receiving via the user interface from a user, including transaction blocking rules. The transaction blocking rules are applied to transaction data associated with the user. Transaction blocking scheme performance data is generated based on the application of the transaction blocking rules to the transaction data, including a quantity of transactions of the transaction data that are blocked by the transaction blocking rules. A visualization of the transaction blocking scheme performance data is displayed via the user interface and the user is prompted to provide a response based on the displayed visualization. Based on the response to the prompt, the transaction blocking scheme is activated for application to incoming transactions, whereby the transaction blocking rules are applied to incoming transactions to determine whether to block the incoming transactions.Type: GrantFiled: August 28, 2020Date of Patent: June 13, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Gnanasivam Palaniappan, Vincent Ferrante, James Stephen Herrmann, Rengaram Kuduva Santharam, Baladhandauthabani Dharmaraj
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Patent number: 11657398Abstract: Systems and methods for facilitating authentication for payment transactions using pattern-based time bound passwords. More specifically, techniques disclosed herein enable authentication of payment transactions performed by a user at a merchant terminal based on a pre-registered pattern provided by the user within a pre-defined time period limit. The pre-registered pattern drawn in the pre-defined time period is registered as a password for authenticating any payment transaction performed by the user using a payment card which is associated with an account of the user in an issuing bank. If the user provides the pre-registered pattern within the pre-defined time period limit, the payment transaction is authenticated. In another embodiment, such pattern-based time bound password is used as a second level authentication in which first level authentication is performed by a personal identification number.Type: GrantFiled: August 24, 2020Date of Patent: May 23, 2023Assignee: Mastercard International IncorporatedInventors: Rahul Agrawal, Sudhir Gupta, Harsh Piparsaniya
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Patent number: 11651357Abstract: Embodiments implement multifactor authentication without a user footprint. An application programming interface call from a client application can be received that includes a messaging identifier. A transaction identifier can be transmitted to the client application and stored. Using a shared secret, a temporary password can be generated, where the shared secret can be associated with the transaction identifier and can be stored. The temporary password can be transmitted to the messaging identifier. A second application programming interface call can be received that includes a reference transaction identifier and input, where a user provides the input to the client application. The user can be authenticated when the reference transaction identifier matches a transaction identifier stored and the input matches an expected password that is based on a stored shared secret associated with the matching stored transaction identifier.Type: GrantFiled: May 30, 2019Date of Patent: May 16, 2023Assignee: ORACLE INTERNATIONAL CORPORATIONInventors: Samanvitha Kumar, Pruthvithej Ramesh Kumar