Patents Examined by Clay C Lee
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Patent number: 11961039Abstract: Techniques are described for linked blockchains that allow computing devices to access information from an acceptance blockchain about acceptance reports stored in an enterprise delivery blockchain that are also linked to a product blockchain that stores information of the products of the acceptance reports. An acceptance report is indicative of operability of a product in a service provided by a service provider. A processor is configured to access the block in the enterprise delivery blockchain, retrieve the acceptance report from the block in the enterprise delivery blockchain, determine an identifier, identified in the block in the enterprise delivery blockchain, to a block in an acceptance blockchain, access the block in the acceptance blockchain via the determined identifier, retrieve from the block in the acceptance blockchain contextual information of the acceptance report, and output the acceptance report and contextual information of the acceptance report.Type: GrantFiled: November 7, 2018Date of Patent: April 16, 2024Assignee: International Business Machines CorporationInventors: Jing Bo Jiang, Li Ni Zhang, Li Jiang, Yu Zhao, Lan Luo, Li Long Chen, Wen Rui Zhao
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Patent number: 11928682Abstract: Systems and methods are disclosed for movement-based signature authentication. One method comprises determining one or more features associated with a user based on one or more two-dimensional images and determining one or more body points associated with the user based on one or more three-dimensional images. A movement pattern of each body point of the user is determined based on the one or more three-dimensional images. The one or more determined features are compared to corresponding one or more stored features associated with the user. If the one or more detected features match the one or more stored features, the one or more determined movement patterns are compared to a unique electronic signature associated with the user. Upon determining that the one or more determined movement patterns match the unique electronic signature, the user is authenticated for electronic transaction.Type: GrantFiled: May 15, 2019Date of Patent: March 12, 2024Assignee: Worldpay, LLCInventor: Daren L. Pickering
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Patent number: 11908035Abstract: Systems, methods, and computer-readable storage media for authenticating mail and preventing contraband from entering detention facilities. An exemplary system can receive, from a known user, a letter directed to an incarcerated individual and store, via a processor, a digital copy of the letter in a database. The system can then print a physical copy of the letter, where the physical copy has at least one of a QR code or a barcode on an exterior of the physical copy, and mail the physical copy to a detention center holding the incarcerated individual. Finally, the system can receive, at the processor and from a staff member of the detention center, a request to digitally screen the physical copy by digitally accessing the digital copy in the database, and transmit, via the processor, the digital copy to the staff member.Type: GrantFiled: June 6, 2019Date of Patent: February 20, 2024Inventor: Frederick Hutson
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Patent number: 11907941Abstract: In some examples, a system renders, in a user interface, data fields of an interface code, the interface code to input or output the data fields in a transaction, and receives a selection, made in the user interface, of a first data field from among the data fields of the interface code. The system modifies the interface code by adding an indicator associated with the first data field, the indicator specifying anonymization of the first data field during the transaction that uses the first data field, the modifying of the interface code producing a modified interface code.Type: GrantFiled: January 4, 2018Date of Patent: February 20, 2024Assignee: Micro Focus LLCInventor: Sushil Nair
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Patent number: 11868985Abstract: A method of online transaction, in which a visual financial IC card receives transaction transferring data from a client, obtains transaction data, receive an online PIN from a user, obtains online PIN ciphertext by encrypting, executes behavior analyzing to obtain a card behavior analyzing result, sets a first transaction result, organizes message according to the transaction data, the online PIN ciphertext, the card behavior analyzing result and the first transaction result, and sends the message to the client; receives an online response package sent by the client, executes completing process to obtain a completing process result, sets a second transaction result, displays a corresponding information, organizes a data package according to the second transaction result and the completing process result, and sends the data package to the client. In this invention, any transaction terminal is avoided to improve security and convenience of the online financial IC card transaction.Type: GrantFiled: July 21, 2017Date of Patent: January 9, 2024Assignee: Feitian Technologies Co., Ltd.Inventors: Zhou Lu, Huazhang Yu
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Patent number: 11861619Abstract: Systems and methods are disclosed for payment transactions, alerts, dispute settlement, and settlement payments, using multiple blockchains.Type: GrantFiled: November 30, 2017Date of Patent: January 2, 2024Assignee: Worldpay, LLCInventor: Ramesh Vijayaraghavan
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Patent number: 11854011Abstract: Techniques are described for using an identity management system. One of the methods includes providing access to a decentralized identity management system to a user. The method includes storing user identity information on the decentralized identity management system. The method includes enabling one or more other users to store reputation information associated with the user identity. The method also includes using the reputation information in a transaction with the user.Type: GrantFiled: July 11, 2017Date of Patent: December 26, 2023Assignee: United Services Automobile Association (USAA)Inventors: Bharat Prasad, Minya Liang, Snehal Desai
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Patent number: 11823178Abstract: An example operation may include one or more of identifying a newly proposed transaction of a blockchain, initiating a consensus operation to determine whether to authorize the newly proposed transaction, retrieving a key-value pair identified from a previous transaction, comparing an index value associated with the key-value pair of the previous transaction to an index value associated with a key-value pair of the newly proposed transaction, and providing an affirmative consensus to accept the newly proposed transaction in the blockchain when the index value associated with the key-value pair of the previous transaction is contiguously sequential with the index value associated with the key-value pair of the newly proposed transaction.Type: GrantFiled: November 17, 2017Date of Patent: November 21, 2023Assignee: International Business Machines CorporationInventors: Konstantinos Christidis, Nitin Gaur, Yun Wang
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Patent number: 11797995Abstract: A method for risk scoring a blockchain transaction includes: storing blockchain data associated with a blockchain, the data including a plurality of blocks, each block including a block header and transaction values, each transaction value including a sending address, recipient address, and transaction amount; receiving a new transaction value related to a proposed blockchain transaction and a node identifier associated with a node included in a blockchain network associated with the blockchain, the new transaction value including a user address, transacting address, and blockchain amount; identifying transaction values in the blockchain where the sending address or recipient address is associated with a transacting cryptographic key pair also associated with the transacting address; determining a risk score for the proposed blockchain transaction based on at least the data included in each of the identified transaction values and the new transaction value; and transmitting the determined risk score.Type: GrantFiled: December 4, 2017Date of Patent: October 24, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ankur Arora, Shashank Kumar Trivedi, Amit Gupta
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Patent number: 11775959Abstract: Methods, apparatus and computer programs for authorizing transactions are described. A server system receives, from a first computing device, verification information relating to a verification process for verifying a user associated with the first computing device. A verification status associated with the user is set in a memory of the server system, based on the verification information. The server system receives an authorization request for a payment transaction from a payment terminal, the request including an identifier associated with the user, and having been provided to the payment terminal by a payment device different from the first computing device. Responsive to receipt of the authorization request, the verification status associated with the user is identified, and a determination as to whether to authorize the payment transaction is made at least partly on the basis of the identified verification status.Type: GrantFiled: June 13, 2017Date of Patent: October 3, 2023Assignee: Visa Europe LimitedInventor: Nicolas David Mackie
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Patent number: 11756028Abstract: A method for provisioning a token based on media content may include receiving media content data associated with media content, account identifier data associated with an account identifier of a first user, and first user device identification data associated with a first user device of the first user. Keyword data associated with at least one keyword may be extracted from the media content. At least one event may be determined based at least partially on the keyword data. A token may be generated based at least partially on the at least one event and the account identifier data. The token may be communicated to the first user device based at least partially on the first user device identification data. A system and computer program product are also disclosed.Type: GrantFiled: November 27, 2019Date of Patent: September 12, 2023Assignee: Visa International Service AssociationInventors: Vaibhav Shukla, Sindhu Shankar Rao
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Patent number: 11748721Abstract: Some implementations can include an application to procure and present transaction details. In some implementations, the application is a software application that presents a user interface comprising transaction details corresponding to a user's transaction. In some implementations, the application provides an option to a user to choose to receive details of a transaction. In some implementations, the user can choose to receive details of the transaction by selecting an option. In some implementations, upon the user selecting the option, the application requests the user to provide access credentials to access an account associated with the user from which details of the transaction can be retrieved. In some implementations, upon the user providing the user access credentials, the application accesses the account associated with the user to retrieve the details of the transaction and then presents the retrieved details of the transaction to the user for review.Type: GrantFiled: March 14, 2022Date of Patent: September 5, 2023Inventor: Andre Temnorod
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Patent number: 11748459Abstract: Exemplary embodiments prevent tampering of a software release date associated with a software application by incorporating the software release date into a key exchange with a security domain. If the software release date is tampered with, then the key exchange results in the wrong key exchange key. Without the correct key exchange key, the software application will fail its check of the license, and the software application will no longer continue to run.Type: GrantFiled: June 16, 2020Date of Patent: September 5, 2023Assignee: PACE Anti-Piracy, Inc.Inventors: Joseph Fontana, Paul Allen Cronce
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Patent number: 11699166Abstract: A blockchain-based multi-merchant loyalty point partnership system may include a blockchain API host that receives a request to create a partnership smart contract for a multi-merchant loyalty point partnership. The request may specify various partnership parameters to include in the partnership smart contract. The blockchain API host may create the partnership smart contract and write the partnership smart contract to a blockchain. One or more qualified merchants may join the partnership smart contract to make the partnership active. In response to a customer completing a plurality of purchases that complete the partnership parameters of the partnership smart contract, the system may issue the customer a purchase reward which may include a loyalty point payout.Type: GrantFiled: October 23, 2018Date of Patent: July 11, 2023Assignee: American Express Travel Related Services Company, Inc.Inventors: Calvin Chan, Christopher Cracchiolo, Andras Ferenczi, Harish R. Naik, Andrew Martin Baal Thomas
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Patent number: 11682016Abstract: According to a first aspect, there is provided an identity verifier comprising: at least one processor; at least one memory including computer program code; and a communication port coupled to the processor the at least one memory and the computer program code configured to, with the at least one processor, cause the identity verifier at least to: receive, through the communication port, query information to verify an identity provided by a party requesting a financial service; extract a unique identifier of an electronic device from the query information, the electronic device used to request the financial service; calculate a probability of an accuracy of the identity verification by at least determining whether one or more databases contain a record of the unique identifier, the one or more databases storing data used to perform the identity verification; and respond, through the communication port, to the query with the calculated probability.Type: GrantFiled: November 16, 2018Date of Patent: June 20, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Manish Kumar, Nishant Maheshwari, Shuvam Sengupta
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Patent number: 11669600Abstract: A system and method for controlling usage of shared demo assets includes embedding a digital watermark into a demo asset created by a first entity, the digital watermark including usage conditions defined by the first entity, tracking a use of the demo asset by a second entity by utilizing the digital watermark embedded into the demo asset, and controlling, by the processor, the use of the demo asset by the second entity based on a compliance with the usage conditions defined by the first entity.Type: GrantFiled: May 29, 2019Date of Patent: June 6, 2023Assignee: International Business Machines ComporationInventors: Jenny S. Li, Barbara L. Linden, Robert Baz, Mona Arishi
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Patent number: 11651098Abstract: Methods and systems are described for generating recommendations based on non-delineated records collected by a data aggregation service during communications between users and content sources. For example, based on collecting records on exchanges between users and content sources that is traditionally neither stored nor identified by either party, a data aggregation service may generate recommendations related to future exchanges of content between the same or different users and/or the same or different content sources.Type: GrantFiled: June 12, 2020Date of Patent: May 16, 2023Assignee: Capital One Services, LLCInventors: Jeremy Goodsitt, Vincent Pham, Alvin Hua, Austin Walters
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Patent number: 11621854Abstract: User-generated messages encapsulating selections from each of a plurality of entities for a selection task having a selection option are received via one or more interfaces presented by a selection processing system. For each selection, a different share of a signing key is obtained that has an identity associated with the selection task. For each selection, a different partial signature is generated by signing the messages using the associated share of the signing key. The partial signatures are combined into a threshold signature if a number of entities for a selection option specified by the task exceeds a pre-defined threshold. Data characterizing the results of the selection task can then be provided.Type: GrantFiled: January 14, 2019Date of Patent: April 4, 2023Assignee: SAP SEInventors: Xun Sun, Xiaoxiao Gu, Yukching Leung
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Patent number: 11605076Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that monitor and reconcile indirectly initiated exchanges of data between network-connected devices and computing systems using a permissioned distributed ledger. For example, an apparatus may obtain and transmit first transaction information characterizing a data exchange to a first computing system. The first computing system may submit a portion of the first transaction information to a second computing system through a programmatic interface inaccessible to the apparatus, and the second computing system may execute the data exchange in accordance with at least the portion of the first transaction information.Type: GrantFiled: April 1, 2019Date of Patent: March 14, 2023Assignee: The Toronto-Dominion BankInventors: Milos Dunjic, Arthur Carroll Chow, David Samuel Tax, Armon Rouhani, Asad Joheb, Sara Hatherly, Keith Sanjay Ajmani, Lionel Johnson, Yubing Liu
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Patent number: 11593761Abstract: Described herein are various embodiments of a system for tracking interests in content using a distributed data store. By being “distributed,” there may be multiple different copies of the data store that each hold a portion or all of the data of the data store, with the different copies being continuously, periodically, or occasionally synchronized to ensure that data held in one matches the data held in another, but with no copy of the data store being treated as the official or canonical copy of the data store. The distributed data store may track the interests regarding the content in particular ways, including through storing information identifying the content and identifying interests in the content. The distributed data store may be used to track interests in media, such as to track ownership, management, or royalty interests in media like songs, to provide a mechanism for “Digital Rights Expression” (DRE).Type: GrantFiled: October 4, 2019Date of Patent: February 28, 2023Assignee: Verifi Media, Inc.Inventors: Benji Rogers, Christopher Tse