Patents Examined by James D Nigh
  • Patent number: 11227281
    Abstract: Disclosed herein are systems, methods, and devices for transaction methods for mobile wallet operations in a casino. Various embodiments are directed to applying funds to a user's mobile wallet by transactions at a kiosk, cage, Peripheral System, or other system of the casino. Embodiments are also directed to applying credit to an electronic gaming machine of the casino. Embodiments are also directed to returning or redeeming credit from an electronic gaming machine of the casino to the user. Embodiments are also directed to transferring credit from a mobile wallet to external funds.
    Type: Grant
    Filed: March 19, 2020
    Date of Patent: January 18, 2022
    Assignee: JCM American Corporation
    Inventors: Mike Nguyen, David Kubajak, Mark Adams, Mark Castilo
  • Patent number: 11227268
    Abstract: Systems and methods for managing user data across multiple applications and devices are disclosed. An example method includes: detecting a user is conducting a transaction using a first application installed on a user device; determining that the user is requesting one or more payment options from a first merchant associated with the first application; determining that a global payment method is selected by the user; determining that the user device is a trusted device associated with the user; and in response to determining that the user device is a trusted device, providing the global payment method to the user in the first application on that same device or a different device.
    Type: Grant
    Filed: June 30, 2016
    Date of Patent: January 18, 2022
    Assignee: PAYPAL, INC.
    Inventors: Aravindan Ranganathan, Srivathsan Narasimhan, Srinivasan Rangaraj
  • Patent number: 11227275
    Abstract: A payment processing method involves a server receiving a payee identifier, and linking the payee identifier to a device identifier identifying a payee device. The server receives from a payor device a payment initiation request identifying a specified payment amount and a payor identifier, links a unique token to the specified payment amount and to the payor identifier, and provides the payor device with the token. The token excludes the payor identifier and particulars of the associated payor. The server receives a payment completion request including the payee identifier and the token, and excluding the payment amount, the payor identifier and payor particulars. The server uses the payee identifier to confirm that the payment completion request was signed with the device identifier, uses the payee identifier to locate a payee account, and uses the token to determine the specified payment amount and a payor account associated with the payor identifier.
    Type: Grant
    Filed: September 5, 2017
    Date of Patent: January 18, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Lauren Van Heerden, Prabaharan Sivashanmugam, Dino D'Agostino, Michael D. Cummins, Orin Del Vecchio, Gunalan Nadarajah, Steven Robert Langham
  • Patent number: 11222331
    Abstract: A blockchain-based rough gemstone planning method including scanning rough gemstones and generating one rough gemstone records, recording the rough gemstone record to a rough gemstone blockchain network, receiving a smart contract associated for each rough gemstone record, receiving virtual derivative gemstone records, generating derivative smart contracts for the virtual derivative gemstone records, sending the virtual derivative gemstone records and the derivative smart contracts to a trading network, and receiving price information associated with the virtual derivative gemstone records.
    Type: Grant
    Filed: May 25, 2021
    Date of Patent: January 11, 2022
    Inventor: Vijay Madisetti
  • Patent number: 11216802
    Abstract: A network node that includes at least one processor, at least one memory, and at least one network interface is disclosed. The network node is part of a peer-to-peer network of network nodes implementing a distributed ledger. The network node is communicatively coupled to at least one remotely located computing device through the at least one network interface. The at least one processor is configured to receive, from a remotely located computing device, a request to transfer a security token. The at least one processor is also configured to execute a plurality of compliance rules associated with the security token. At least one of the compliance rules is implemented using at least one smart contract. The at least one smart contract references a global registry. The at least one processor is also configured to transfer the security token based on the execution of the compliance rules.
    Type: Grant
    Filed: August 9, 2019
    Date of Patent: January 4, 2022
    Assignee: tZERO IP, LLC
    Inventors: Scott Overholser, Robert Christensen, Nicole Sanders, Justin Wilson, Robert Valmassoi, Chase Lester, Michael William Stuart Smith
  • Patent number: 11216822
    Abstract: A user may provide a financial card to an automated teller machine (ATM) or point of sale (POS) terminal and may be authenticated by providing a gesture and/or an image selection via a mobile device to the ATM or the POS. The gesture and/or image selection may be provided using a touchscreen of the mobile device. The gesture and/or image provided by the user via the mobile device may be compared to a stored gesture and/or image provided by the user during an earlier registration of the financial card. If there is a match between the gesture and/or image provided by the user via the mobile device and the previously stored gesture and/or image, then the user is authenticated and may access an account associated with the financial card.
    Type: Grant
    Filed: September 26, 2019
    Date of Patent: January 4, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: Christopher Paul Courtright, Bradly Jay Billman
  • Patent number: 11216799
    Abstract: Systems, methods, apparatuses, and computer-readable media for secure generation of one-time passcodes using a contactless card. In one example, an operating system (OS) of a device may receive a uniform resource locator (URL) and a cryptogram from a contactless card. The OS may launch an application associated with the URL. The application may transmit the cryptogram to an authentication server. The application may receive a decryption result from the authentication server indicating the authentication server decrypted the cryptogram. Based on the decryption result, the application may request an OTP. The processor may receive an OTP from an OTP generator. The application may receive an input value and compare the input value to a copy of the OTP. The application may determine that the comparison results in a match, and display, based on the determination that the comparison results in the match, one or more attributes of the account.
    Type: Grant
    Filed: January 4, 2021
    Date of Patent: January 4, 2022
    Assignee: Capital One Services, LLC
    Inventors: Jason Ji, Jeffrey Rule, Colin Hart, Wayne Lutz
  • Patent number: 11216806
    Abstract: A method including receiving a first application user credential associated with a user profile; comparing, for a first match, the first application user credential with a stored second application user credential, wherein the stored second application user credential is associated with a user identity; and responsive to finding a first match, verifying the user identity by performing the following: communicating with a card using near field communication; receiving a public key of a key pair of the card and cardholder identification information of an account holder of the card; instructing the card to generate a digital signature; receiving the digital signature from the card; verifying the digital signature using the public key; and comparing, for a second match, at least a portion of the user identity with at least a portion of the cardholder identification information.
    Type: Grant
    Filed: July 30, 2019
    Date of Patent: January 4, 2022
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Lara Mossler, Aravindhan Manivannan, Baskar Dilli
  • Patent number: 11210663
    Abstract: The embodiments described herein comprise hardware and software improvements in blockchain-asset exchange technology, whereby one or more servers automatically, based on a set of predetermined rules, executes a mechanism allowing blockchain-asset exchange customers to place standing-limit or market orders for blockchain-based digital assets (e.g., cryptocurrencies) with a counter-party, but without counter-party risk. The counter-party will not receive the payment until the customer's exchange order has executed, and the customer has taken possession and ownership of the desired asset. The customer cannot reverse payment or otherwise rescind the payment from the counter-party once the customer receives the desired asset.
    Type: Grant
    Filed: November 30, 2016
    Date of Patent: December 28, 2021
    Assignee: SHAPESHIFT AG
    Inventor: Erik Voorhees
  • Patent number: 11205238
    Abstract: A private digitized, decentralized, and distributed controlled-environment facility ledger is created using a genesis hash and wallet code assigned to a controlled-environment facility resident upon intake of the resident into the facility. In response to an occurrence of a first controlled-environment facility transaction with respect to the resident, a first new hash containing a cryptographic hash of the genesis hash is built, and the ledger is updated to reflect the first transaction, and to associate the first new hash with the first transaction, both with respect to the resident. Thereafter, subsequent new hashes, each containing a cryptographic hash from each prior hash, are each built in response to each subsequent controlled-environment facility transaction with respect to the resident, and the ledger is updated to reflect each subsequent transaction, and associate each subsequent new hash with the respective subsequent transaction, both with respect to the resident.
    Type: Grant
    Filed: March 25, 2019
    Date of Patent: December 21, 2021
    Assignee: Securus Technologies, LLC
    Inventors: Shuaib Suleman, Adam Christopher Edwards, Danny C. Milliorn
  • Patent number: 11205173
    Abstract: A system and method uses a cloud computing based mobile wallet application for deconstructing various elements of magnetic stripe data corresponding to a pre-paid gift card, storing such data elements in disparate secure storage devices on different networks to enhance security and reassembling the various elements to reconstruct the magnetic stripe data on demand at the time of processing a financial transaction.
    Type: Grant
    Filed: July 25, 2019
    Date of Patent: December 21, 2021
    Assignee: CHEVRON U.S.A. INC.
    Inventor: Biren Arvindkumar Patel
  • Patent number: 11200545
    Abstract: A system and method for secure and intuitive payment transactions at an ecommerce merchant website with a client device. The system has a trusted platform that hosts a Mediator site and Manifest database that includes a plurality of Manifest files. Each Manifest file includes a unique identifier and mapped payor information for a payment entity. The platform uses the Manifest to validate trusted payment entities and provide the Mediator site. The Mediator site generates cookies with payor information from the Manifest files, which are transmitted stored on user devices. These cookies are employed to facilitate trusted and intuitive transactions at merchant websites using dynamic interface objects presented on the user's client device interface.
    Type: Grant
    Filed: May 10, 2019
    Date of Patent: December 14, 2021
    Assignee: Mastercard International Incorporated
    Inventors: Shanthan Subramaniam, Sandeep Malhotra, Marek Kurylko
  • Patent number: 11195123
    Abstract: The present disclosure describes a device, computer-readable medium, and method for using singular group actions in a network to train a machine learning system. In one example, the method includes detecting a singular group action in data traversing a telecommunication service provider network, wherein the singular group action is characterized by multiple customers of the network performing a same action with their respective computing devices within a defined window of time while the multiple customers are within a threshold physical proximity to each other, labeling a subset of the data that is associated with the singular group action to generate labeled training data, and training a machine learning system using the labeled training data.
    Type: Grant
    Filed: July 26, 2018
    Date of Patent: December 7, 2021
    Assignee: AT&T INTELLECTUAL PROPERTY I, L.P.
    Inventors: Arthur L. Zaifman, John M. Mocenigo
  • Patent number: 11196566
    Abstract: Devices, systems, and methods enabling parties with little trust or no trust in each other to enter into and enforce value transfer agreements conditioned on input from or participation of a third party, over arbitrary distances, without special technical knowledge of the underlying transfer mechanism(s), optionally affording participation of third-party mediators, substitution of transferors and transferees, term substitution, revision, or reformation, etc. Such value transfers can occur reliably without involving costly third-party intermediaries who traditionally may otherwise be required, and without traditional exposure to counterparty risk.
    Type: Grant
    Filed: May 5, 2015
    Date of Patent: December 7, 2021
    Inventor: Reginald Middleton
  • Patent number: 11194890
    Abstract: A system for rendering a content, the rendering of which is subject to conditional access security conditions. The system includes a host device and a detachable security device, the security device configured to decrypt the encrypted content, re-encrypt it under a local key and to deliver the re-encrypted content to the host device while ensuring that the host device applies or otherwise enforces any conditions associated with the rendering of the content.
    Type: Grant
    Filed: September 8, 2017
    Date of Patent: December 7, 2021
    Assignee: NAGRAVISION S.A.
    Inventors: Philippe Desarzens, Fabien Gremaud, Jean-Luc Bussy
  • Patent number: 11188896
    Abstract: There is provided a processor(s) executing a blockchain smart contract, for: managing a primary reserve of primary tokens and a secondary reserve of secondary tokens, receiving a transaction request, obtaining an external price of the primary token, compute an updated value of the primary reserve according to the external price, in response to the updated total value of primary reserve being unequal to an initial staked value of the primary reserve, adjust primary and secondary dynamic reserve weights, wherein a total value computed by a function of the primary reserve after being increased or decreased by a target amount of primary tokens and using the adjusted primary and secondary dynamic reserve weights, is equal to the initial staked value of the primary reserve, and the total value of the primary reserve is maintained at a predefined ratio to a total value of the secondary reserve, and executing the transaction request.
    Type: Grant
    Filed: August 6, 2020
    Date of Patent: November 30, 2021
    Assignee: Bprotocol Foundation
    Inventors: Eyal Hertzog, Yehuda Levi, Barak Manos, Asaf Shachaf, Guy Ben Artzi
  • Patent number: 11188663
    Abstract: A system, method and computer readable media provided for watermarking a digital file. The method comprises altering samples of the digital file available for distribution upon request by adding a number such as + or a ?1 to each sample of the digital file according to a probability value and compressing the digital file with the altered samples. Altering the sample of the digital file may be done on a per distribution or per sale basis.
    Type: Grant
    Filed: March 15, 2013
    Date of Patent: November 30, 2021
    Assignee: AT&T Intellectual Property II, L.P.
    Inventor: Thomas Killian
  • Patent number: 11188904
    Abstract: The present invention relates to the field of electronic transactions, and provides methods and systems for reducing user interventions necessary for authentication of transactions. In an embodiment the invention implements an authentication server configured to receive from a terminal device an electronic payment transaction request and device IDs corresponding to devices having wireless communication capability that are detected within a wireless communication range of the terminal device. The authentication server selects a payment account for implementing the requested electronic payment transaction, wherein selection of the payment account is based on a determination that one or more of the device IDs received from the terminal device are associated with the identified payment account, and thereafter generates a payment transaction authentication decision.
    Type: Grant
    Filed: December 14, 2018
    Date of Patent: November 30, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Ankur Arora, Amit Gupta, Shashank Kumar Trivedi
  • Patent number: 11182775
    Abstract: A cryptocurrency system of the present disclosure employs one or more creator computing devices, one or more initial transaction computing devices, one or more asset-backed computing devices, one or more certifier computing devices, and one or more block chain verifier computing devices. In operation, the system enables a person or legal entity to create and manage electronic currency that is backed by assets.
    Type: Grant
    Filed: April 17, 2019
    Date of Patent: November 23, 2021
    Inventor: Gary G. Makowski
  • Patent number: 11182757
    Abstract: A licensing system and related methods are described utilizing aspects of distributed ledger technologies to facilitate trusted and verifiable licensing transactions for creative works. A client device can include an asset editing tool for incorporating an asset selected from a plurality of licensable assets into a new creative work. The selected asset can be downloaded for incorporation into the new creative work. The new creative work incorporating the selected asset can be analyzed to determine an amount that the selected asset contributed to the new creative work, or an amount that the new creative work is attributable to the selected asset.
    Type: Grant
    Filed: October 26, 2018
    Date of Patent: November 23, 2021
    Inventors: Xuejun Xu, Morgan David De Lossy, Max Gray Edell