Patents Examined by Duan Zhang
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Patent number: 12093934Abstract: Systems, computer program products, and methods are described herein for implementing layered authorization platform using non-fungible tokens. The present invention is configured to electronically receive, via a user input device, a document designated for notarization and an identification credential from a user; crawl through a distributed ledger to determine a non-fungible token (NFT) for the identification credential; retrieve, from the distributed ledger, the NFT for the identification credential; capture, via the user input device, a signature of the user on the document designated for notarization to create a signed document; generate, using an NFT generator, an NFT for the signed document; link the NFT for the signed document with the NFT for the identification credential; and record the NFT for the signed document in the distributed ledger.Type: GrantFiled: October 22, 2021Date of Patent: September 17, 2024Assignee: BANK OF AMERICA CORPORATIONInventor: Manu Jacob Kurian
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Patent number: 12093350Abstract: One variation of a method comprises: a) One variation of a method comprises: detecting a first selection, by a digital media consumer, of a first digital media frame generated for a first digital media asset and presented within a graphical user interface (GUI) of a first web gallery in a locked state; b) deducting a first amount of media credits equal to a first media credit value established for the first digital media asset from a media credit account associated with the digital media consumer; and c) in response to detecting the first selection of the first digital media frame and successfully deducting the first amount of media credits equal to the first media credit value from the media credit account associated with the digital media consumer, unlocking the first digital media frame to provide the digital media consumer with access to the first digital media asset.Type: GrantFiled: June 3, 2022Date of Patent: September 17, 2024Inventors: Brian Hardy, John Paul Lawrence
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Patent number: 12093941Abstract: A method comprising: providing a first transaction specifying an output amount of a digital asset to greater than pointed to by its inputs, wherein an output of the first transaction comprises a locking script specifying a condition; over a side channel, receiving an input from each of multiple users, and adding each received input to the first transaction; and once a target is reached, whereby the total input amount pointed to by the inputs of the first transaction is equal to or exceeds the output amount, causing the first transaction and a second transaction to be published to a blockchain network to be recorded in a blockchain. The second transaction comprises an input pointing to the output of the first transaction and comprising an unlocking script meeting said condition. The condition requires the unlocking script to include a media key enabling the users to access the item of media content.Type: GrantFiled: April 21, 2020Date of Patent: September 17, 2024Assignee: nChain Licensing AGInventors: Wei Zhang, Jack Davies, Craig Wright
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Patent number: 12093947Abstract: The disclosure proposes a method in a first device comprising a transaction history and a generation counter, this device processing transactions with a second device. During a current transaction: receipt of data comprising a public key of the second device, a second generation counter and an identifier of the current transaction; verification that the first and second generation counters coincide; verification that the history comprises an input associated with the public key; approval of the current transaction if the transaction identifier satisfies a condition indicating the uniqueness of the current transaction; storage in the history of a new input with the public key; and update of an account balance to pay a credit to an account. The method also comprises: detection of a risk of saturation of the memory of the first device; update of the first generation counter and eviction of the memory.Type: GrantFiled: April 15, 2022Date of Patent: September 17, 2024Assignee: IDEMIA FRANCEInventors: Emmanuelle Dottax, Lauren Del Giudice
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Patent number: 12086771Abstract: Disclosed is a platform That enables centralized control over updates to a distributed cryptocurrency network through inclusion of an administrative user to a set of tokens that operate on a base cryptocurrency network but include rule sets that are separate from those of the base cryptocurrency. A plurality of customized token types are generated by a platform provider for respective administrative users. The platform provider may provide software updates that are implemented at the sole discretion of the respective administrative users.Type: GrantFiled: May 17, 2022Date of Patent: September 10, 2024Assignee: Polymath Inc.Inventors: Chris Housser, Trevor Koverko, Pablo Ruiz, Adam Dossa
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Patent number: 12086768Abstract: Aspects of the disclosure relate to digital check processing. A computing platform may receive a check image from a user device. The computing platform may configure, based on the check image, a digital check for use in conducting transactions between the user device and point of sale devices, which may include generating a QR code for the check. The computing platform may send, to the user device, the digital check, which may enable the user device to execute a transaction with a first point of sale device. The computing platform may receive, from the first point of sale device, a request to execute the transaction. The computing platform may direct an event processing server to process the transaction, which may cause the event processing server to execute a transfer of funds from an account of the initial payor to an enterprise account of the first point of sale device.Type: GrantFiled: April 14, 2022Date of Patent: September 10, 2024Assignee: Bank of America CorporationInventors: George Albero, Maharaj Mukherjee, Benjamin D. Moores
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Patent number: 12058271Abstract: A blockchain architecture operating over a skip graph-based P2P overlay to improve a communication and storage efficiency, a convergence to centralization, and consistency problems of existing blockchain solutions is provided. The blockchain architecture provides addressable peers, blocks, and transactions within a network; making the addressable peers, the blocks and transactions efficiently accessible in an on-demand manner by peers using a skip graph lookup operation where no peer is required to store an entire blockchain, and stores a replicated subset of the blocks and transactions and answers queries of other peer on the blocks and transactions. The blockchain architecture discloses a fair blockchain with a uniform chance for participating peers to be involved in a consensus protocol regardless of an influence of the participating peers in a system with an improved consistency governing a deterministic fork-resolving policy.Type: GrantFiled: March 27, 2019Date of Patent: August 6, 2024Assignee: KOC UNIVERSITESIInventors: Yahya Hassanzadeh Nazarabadi, Oznur Ozkasap, Alptekin Kupcu
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Patent number: 12056687Abstract: The present invention discloses a method or a system for verifying, storing and tokenizing data in cryptocurrency mining process by exchanging user data anonymously.Type: GrantFiled: January 13, 2022Date of Patent: August 6, 2024Assignee: ORRIN VINCENT CAMPBELLInventor: Orrin Campbell
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Patent number: 12051065Abstract: Decentralized computer systems and methods are disclosed for analyzing transaction attributes and dispute information using blockchain. One method includes: receiving a first transaction information of a first transaction, wherein the transaction information includes attributes of the first transaction; generating a blockchain entry that stores the received attributes in a shared ledger to participants of the blockchain; receiving an input of a selection of an attribute of the first transaction from a participant of the blockchain to analyze other transactions having the selected attribute; compiling a list of other transactions having the selected attribute; receiving transaction information for each transaction of the list of other transactions; and generating, on a user interface, an analytics report of the attributes of the other transactions.Type: GrantFiled: August 25, 2017Date of Patent: July 30, 2024Assignee: Worldpay, LLCInventor: Ramesh Vijayaraghavan
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Patent number: 12045320Abstract: A non-transitory computer readable medium stores instructions that, when executed by a processor, cause the processor to receive telemetry data representing usage of one or more software assets by one or more industrial automation devices within an industrial automation system operated by an enterprise, reference a local blockchain that is a private extension of a global decentralized blockchain to determine one or more licenses associated with the one or more software assets, determine one or more usage parameters for the one or more software assets based on the telemetry data and the one or more licenses, update the local blockchain and the global decentralized blockchain based on the and the usage parameters, and enable usage of the one or more software assets by the one or more industrial automation devices based on the one or more usage parameters and one or more thresholds defined by the one or more licenses.Type: GrantFiled: April 26, 2022Date of Patent: July 23, 2024Assignee: Rockwell Automation Technologies, Inc.Inventors: Nikhil Ashok Patange, Krutika Kansara, Francisco P. Maturana, David Picou, Raja Sekhar Katuri, Joseph Weller, Hanna Strohm
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Patent number: 12039534Abstract: The present methods and systems relate to using and accessing data stored in a blockchain, and in particular, interacting with the blockchain and users to provide bank card activation services using smart contracts. The methods and systems include (1) receiving a credit card application package associated with a credit card, wherein the credit card application package includes credit card information and a set of user information, (2) verifying the credit card information and the set of user information, (3) checking the credit card information and the set of user information against the smart contract stored on the blockchain, wherein the smart contract includes a set of conditions, and (4) activating the credit card when the credit card information and the set of user information satisfy the set of conditions stored in the smart contract.Type: GrantFiled: March 11, 2021Date of Patent: July 16, 2024Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Jacob J. Alt, Eric Bellas, Jaime Skaggs, Shawn M. Call, Melinda Teresa Magerkurth, Vicki King, Charles H. Roscow, Scott Shoop, Greg Hayes, Robert Alpine Jennings, Amber Nelson-Wolfe, Shyam Tummala
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Patent number: 12039529Abstract: Exemplary embodiments described herein include a closed loop gateway. The closed-loop gateway comprises a block chain system for tracking exchanges between users of the closed-loop gateway. The closed-loop gateway permits the exchanges to be tracked from an original source through subsequent users to permit the original source to impose conditions, restrictions, and rules on the subsequent exchanges.Type: GrantFiled: November 21, 2019Date of Patent: July 16, 2024Assignee: Platinum Digital Inc.Inventor: Joseph T. Goulet
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Patent number: 12026686Abstract: Systems and methods for facilitating payment service-based guest checkout with a merchant are disclosed. According to one embodiment, a method for facilitating payment service-based guest checkout with a merchant may include: (1) receiving, from a merchant's application or website, a redirect of an online interaction between the merchant and a customer; (2) retrieving, from an issuer payment service, wallet information comprising a plurality of payment options for the customer; (3) receiving a selection of one of the payment options; (4) communicating the selection of the payment option to the payment service for the issuer. The issuer payment service provides a session identifier to the merchant application website, the merchant application or website provides transaction information and the session identifier to a merchant payment host, the merchant payment host retrieves the selected payment option from the issuer payment service and conducts the transaction using the selected payment option.Type: GrantFiled: July 9, 2020Date of Patent: July 2, 2024Assignee: JPMORGAN CHASE BANK , N.A.Inventors: Scott H. Ouellette, Mark W. Robinson, Winter P. Ng, Ryan Evans, Sudharsan Selvakumar, Tharakesh Rangaswamy, Rajitha Dissanayake
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Patent number: 12002019Abstract: Provided is a data structure of virtual currency data with high safety. The virtual currency data, which is used in combination with a settlement device that accepts settlement when the virtual currency data is received from a predetermined device via a network and when predetermined conditions are satisfied, includes virtual currency encryption data which is data obtained by, according to a predetermined encryption method, encryption of issuer information including at least information on an issuer of the virtual currency data, amount information that is information for specifying a monetary value, and settlement condition information that is information on conditions for accepting payment with virtual currency.Type: GrantFiled: May 17, 2018Date of Patent: June 4, 2024Assignee: NTI, INC.Inventor: Takatoshi Nakamura
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Patent number: 11983608Abstract: An example operation may include one or more of generating, by a training participant client, a plurality of transaction proposals, each of the plurality of transaction proposals corresponding to a training iteration for machine learning model training related to stochastic gradient descent, the machine learning model training comprising a plurality of training iterations, the transaction proposals comprising a gradient calculation performed by the training participant client, transferring the plurality of transaction proposals to one or more endorser nodes or peers each comprising a verify gradient smart contract, executing, by each of the endorser nodes or peers, the verify gradient smart contract; and providing endorsements corresponding to the plurality of transaction proposals to the training participation client.Type: GrantFiled: June 12, 2019Date of Patent: May 14, 2024Assignee: International Business Machines CorporationInventors: Venkata Sitaramagiridharganesh Ganapavarapu, Kanthi Sarpatwar, Karthikeyan Shanmugam, Roman Vaculin
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Patent number: 11977611Abstract: Various implementations described herein may refer to a digital rights management (DRM) platform. In one implementation, a method may include receiving first biometric data associated with a user. The method may also include generating first biometric templates based on the first biometric data using a DRM platform. The method may further include receiving access control data from the user, where the access control data includes data indicating time periods during which requestors are permitted to authenticate the user using the first biometric templates. The method may additionally include transmitting the first biometric templates and the access control data to the requestors using the DRM platform, where the first biometric templates are configured to be compared to second biometric templates based on the access control data, and where the second biometric templates are configured to be generated using the DRM platform based on second biometric data associated with the user.Type: GrantFiled: October 20, 2020Date of Patent: May 7, 2024Assignee: Mastercard International IncorporatedInventors: Prashant Sharma, Liang Tian, Bryn Anthony Robinson-Morgan
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Patent number: 11928670Abstract: A computer-implemented method is disclosed. The method includes: receiving, via a client device, a request to process an order for value storage tokens, the request indicating at least one token provider and order parameters defining at least one denomination and a quantity of value storage tokens to be associated with the at least one denomination; establishing a communication connection with a server system associated with the at least one token provider through an application programming interface (API) for the at least one token provider; generating one or more API calls for requesting to obtain digital representations of the value storage tokens associated with the order; and receiving the digital representations of the value storage tokens associated with the order.Type: GrantFiled: January 14, 2021Date of Patent: March 12, 2024Assignee: The Toronto-Dominion BankInventors: Michael Pronski, Darius Braziunas
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Patent number: 11921615Abstract: A computer-implemented method for processing test financial transactions that includes accessing, via a remote-control server, transaction data corresponding to a test run. The transaction data is transmitted via the remote-control server and received at a mobile application API of an electronic device. The transaction data is passed to a payment application of the electronic device. A cryptogram corresponding to the transaction data is generated via the payment application and transmitted for submission to a payment network. A transaction response corresponding to the test run is received at the remote-control server.Type: GrantFiled: December 21, 2017Date of Patent: March 5, 2024Assignee: Mastercard International CorporationInventors: David Scott Edwards, Darrell E. Louderback, Timothy Lewis Barnett, Jeremy Glennon Benear
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Patent number: 11922404Abstract: Payment methods and systems for processing a payment using a Central Bank Digital Currency (CBDC) without a double payment in an offline situation (e.g., in a situation in which a terminal of a user is unable to be connected) to a server through a network may be provided.Type: GrantFiled: August 24, 2021Date of Patent: March 5, 2024Assignee: LINE PLUS CORPORATIONInventors: Hongsup So, Inseon Ryu, Hwang Wook Kim, Cheol Ung Lee
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Patent number: 11907951Abstract: A server includes a processor including hardware, the processor being configured to: acquire store position information of a store where a user has entered; acquire store information in which position information of each of a plurality of stores and one or more settlement methods available in each of the plurality of stores are associated; and notify a terminal owned by the user of the settlement method available in the store where the user has entered based on the store position information and the store information.Type: GrantFiled: March 24, 2021Date of Patent: February 20, 2024Assignee: TOYOTA JIDOSHA KABUSHIKI KAISHAInventors: Kenji Okazaki, Masato Endo, Mayumi Kurita, Masashi Toritani, Kumiko Matsuura, Takayuki Shikoda, Masaaki Otsuka, Yoshikazu Ishii